Published by National Bank of Cambodia (NBC) for year 2015 and 2016, performances of Chief (Cambodia) Specialized Bank Plc in 2015 and 2016 are very good, despite the increasingly tough competition in which we implemented our banking business. Our bank is still in the 2nd class in term of the market shares amongst all specialized banks in Cambodia for two consecutive years. While, Rural Development Bank (state-owned specialized bank) is still in the 1st class, but its market share has been decreased to 1.8% in 2016 from 2.1% in 2015 (NBC Annual Report 2015-2016). Our market share has been increased from 1.4% in 2015 to 1.5% in 2016(NBC Annual Report 2015-2016). Chief (Cambodia) Specialized Bank Plc has been dealing with borrowers of good character, reputation, credit standing and high integrity, and the bank has avoided dealing with persons whose integrity and honesty is doubtful and questionable, no matter how good the collateral or how viable the credit proposal appears. Also, the Bank ensures that the purpose of the credit / loan application, the terms and conditions, and source of repayment are clear and well understood. As a result, our bank has no NPL up to now. Thank for the concerted efforts of staff and management who demonstrated the utmost dedication and commitment. We are so proud to have a professional and dedicated team like you all.