Dear Valued Customers! I, KIM Soonjo, the Chief Executive of BNKC (Cambodia) Microfinance Plc.

 This year, I can tell that 2021 was more eventfulness than any other year. Since April, many difficulties have occurred due to the COVID-19 pandemic, which has grown around Phnom Penh city. The factory was temporarily shut down, and natural disasters such as floods continued. We had a tough year because of global difficulties.

 However, the management of BNKC (Cambodia) MFI (hereinafter referred to as ‘BNKC’) constantly moved to prevent COVID-19 internally and externally. We have provided maximum support at the company level so that employees can safely conduct operation activities and that customers can safely visit branches.

 BNKC has also moved forward to grow with its customers under the slogan ‘Your Best Business Partner’ promised to them. Therefore, in June 2021, we were able to officially launch <BNKC MFI Mobile App>, a financial service that can use anytime, anywhere.

 8,600 customers who continue to show their trust and encouragement!

 At the end of 2021, BNKC achieved a Net Asset of 938.2 million KHR, growing 36% year-on-year, and achieving a balance of 281,307 million KHR, achieving a growth of 57% year-on-year.

 Dear customers! BNKC has improved the quality, accessibility, and speed of its products and services through training operation staff on disciplinary and developing the information technology. The institution has been fulfilling its role in various social participation activities.  BNKC has put all efforts in implementing and adhering to all regulations and directives of the National Bank of Cambodia.  BNKC also demonstrated the transparency in its operations, strengthened the professionalism of employees, responsibilities, work ethics; and took honest as fundamental.

 Once again, BNKC (Cambodia) Microfinance Institution Plc. would like to thank all the customers for their support in using our loan services. We wish you and your family good health, prosperity, and happiness.

Thank you!