The document summarizes statistics from Cambodia's microfinance sector as reported by the Credit Bureau Cambodia (CBC). It notes that as of November 2015, CBC had data on over 1.9 million customers and 2.5 million accounts, with a total loan portfolio of $10 billion. Borrowers are predominantly women, and most borrowers are between the ages of 30-39. Business loans and personal finance are the most common loan types. The document also discusses CBC's solutions that help microfinance institutions monitor loan quality, understand market conditions, and make informed lending decisions.

1. +
Microfinance Sector Growth &
Monitoring : Credit Bureau
Annual Microfinance Workshop
Sihanouk, 24th December 2015

2. Confidential Property of Credit Bureau Cambodia
CBC is covering a range of customers from bank to
microfinance, leasing and rural credit operator
Operator: 112
Customer: 1.9 Million
Account: 2.5 Million
Loan Portfolio: $ 10,047 Million
Industry Performance Microfinance Performance
PAR: 1.2 %
Average Loan Size: $ 3,960
Female Borrower: 70%
Operator: 51
Customer: 1.5 Million
Account: 2 Million
Loan Portfolio: $ 2,875 Million
PAR: 0.49 %
Average Loan Size: $1,434
Female Borrower: 75%
Microfinance in a
glance
Performance distribution Multiple loan situation Loan quality CBC’s Solution

3. Confidential Property of Credit Bureau Cambodia
Cambodia is the country with youngest population
from 20-39 years old with high credit utilization
0.49%
20.24%
32.36%
22.87%
16.68%
6.82%
0.55%
0.62%
17.06%
29.90%
25.90%
19.32%
6.94%
0.26%
45% 35% 25% 15% 5% 5% 15% 25% 35% 45%
<=19
20-29
30-39
40-49
50-59
60-69
>=70
Microfinance consumer by age group as of Nov 2015
Male (375,000) Female (1,125,000)(0.3%)
(6.9%)
(18.7%)
(25.2%)
(30.5%)
(17.8%)
(0.6%)
Microfinance in a
glance Performance distribution Multiple loan situation Loan quality CBC’s Solution

4. Confidential Property of Credit Bureau Cambodia
30-39 years old is the highest credit usage in
Cambodia microfinance
[20-29] Years Old
15%
[30-39] Years Old
33%[40-49] Years Old
27%
[50-59] Years Old
19%
[60-69] Years
Old…
Outstanding Balance Shared by Age Group
The highest credit utilization is within
the age of 30-39 years old which
account of 33% of the total loan
portfolio
The category of 20-29 years old is
majority represented by customers
from 25 years old
Microfinance in a
glance Performance distribution Multiple loan situation Loan quality CBC’s Solution

5. Confidential Property of Credit Bureau Cambodia
Business Loan and Personal Finance are the two
main products offered by MFI
8.43%
63.80%
21.54%
6.23%
LOAN PORTFOLIO BY PRODUCT TYPE AS OF NOV 2015
Social Loan Bussiness Loan Personal Finance Mortgage
Product Type FY 14 FY 15 Δ
Social Loan $ 192 M $ 242 M 26%
Business Loan $ 1,310 M $ 1,835 M 40%
Personal Finance $ 388 M $ 620 M 60%
Mortgage $ 139 M $ 179 M 29%
$2.8 Billion
Microfinance in a
glance Performance distribution Multiple loan situation Loan quality CBC’s Solution
Business Loan

6. Confidential Property of Credit Bureau Cambodia
US Dollar is dominance in Cambodia microfinance
both in urban and rural areas
Currency FY 14 FY 15 Δ
Khmer Riel R 537 M R 548 M 2%
Thai Bath B 79 M B 94 M 19%
US Dollar $ 1,795 M $ 2,267 M 26%
Total New Loan $ 2,411 M $ 2,910 M 21%
KHR
19%
THB
3%
USD
78%
NEW LOAN BY CURRENCY AS OF NOV 2015
Microfinance in a
glance Performance distribution Multiple loan situation Loan quality CBC’s Solution

7. Confidential Property of Credit Bureau Cambodia
In average, customer hold 1.2 loan accounts with
microfinance institution
73.8%
19.0%
5.8%
1.2% 0.2%
1 2 3 4 5
Percentage of Customer by Account Holding as of Nov 2015
2 Accounts1 Account 2 Accounts 3 Accounts 4 Accounts 5 Accounts
Microfinance in a
glance Multiple loan situation Loan quality CBC’s SolutionPerformance distribution

8. Confidential Property of Credit Bureau Cambodia
Microfinance borrower is shown to be more loyal to
their institution
Product Type
FY 14
borrowers
FY 15
borrowers
Δ
1 Institution 1,109 K 1,240 K 12%
2 Institutions 238 K 261 K 9%
3 Institutions 64 K 66 K 4%
4 Institutions 9 K 8 K -15%
5 Institutions 0.9K 0.60 K -32%
78.71%
16.58%
4.19%
0.48% 0.04%
1 2 3 4 5
Loan relationship with difference institution
Microfinance in a
glance Multiple loan situation Loan quality CBC’s SolutionPerformance distribution

9. Confidential Property of Credit Bureau Cambodia
Cambodia is considered to be a good microfinance
market as maintaining good quality of loan with
PAR30 below 1%
PAR FY14
0.52%
$ 10M
PAR FY15
0.49%
$ 14M
40%
Business
Loan
Personal
Loan
Housing
Loan
Social
Loan
PAR FY15 0.33% 0.95% 0.46% 0.57%
FY 14 $ 2,725 K $ 7,117 K $ 344 K $ 270 K
FY 15 $ 6,103 K $ 5,908 K $ 825 K $ 1,381 K
Δ 124% -17% 140% 410%
1 Inst. 2 Inst. 3 Inst. 4 Inst. 5 Inst.
PAR FY15 0.45% 0.59% 0.66% 1.19% 3.18%
FY 14 $ 7,838K $ 1,937K $ 505K $ 139K $ 39K
FY 15 $ 9,663K $ 3,245K $ 1,005K $ 239K $ 66K
Δ 23% 68% 99% 72% 70%
Microfinance in a
glance Loan quality CBC’s SolutionPerformance distribution Multiple loan situation

10. Confidential Property of Credit Bureau Cambodia
Loan performance and its quality is vary depending
on geographical location
+7%
+39%
+160%
Account Balance NPL
Tonle Sap Region
+2% +32%
+295%
Account Balance NPL
Coastal Region
+23%
+51%
+35%
Account Balance NPL
Plateau Region
+4%
+35%
+5%
Account Balance NPL
Plain Region
Microfinance in a
glance Loan quality CBC’s SolutionPerformance distribution Multiple loan situation

11. Confidential Property of Credit Bureau Cambodia
From the market performance, how CBC can help its
member to better know the market condition for
healthy growth and sustainable development?
Microfinance in a
glance CBC’s SolutionPerformance distribution Multiple loan situation Loan quality

12. Confidential Property of Credit Bureau Cambodia
CBC solution to help member decision
Loan Disbursement
Credit Report
K-Score
Analytic Report
Monitoring Service
Batch Review
Microfinance in a
glance CBC’s SolutionPerformance distribution Multiple loan situation Loan quality

13. Confidential Property of Credit Bureau Cambodia
Illustration of Data Analytic Reports currently
commercialized in CBC
ABC Microfinance
Microfinance in a
glance CBC’s SolutionPerformance distribution Multiple loan situation Loan quality

14. Confidential Property of Credit Bureau Cambodia
Keeping ourselves relevant to the industry, the population and the
country’s economical sector by using the needed technology
 Wider and deeper range of
online Dashboard
 Loan Decisioning – near
instant approval decision
 Mobile app with offline
capabilities for Credit Officers
 Research, assessment and
reports
 Credit report on website
Microfinance in a
glance CBC’s SolutionPerformance distribution Multiple loan situation Loan quality

15. Thank You