Financial Inclusion and Addressing Social Issues through Social Performance Management

「In line with our basic policy of contributing to society through social inclusion by providing microfinance focused on funding for businesses that support the livelihoods of the poor and vulnerable in Cambodia, we have developed our business primarily around microfinance. However, in light of economic conditions in Cambodia since the spread of COVID-19 and from the perspective of reviewing our strategic business portfolio, we have already formulated a policy of exiting the overseas financial business and have been restructuring the business in line with that policy.」

「Regarding the financial business, we recognize the significance and growth potential of microfinance, a business of high social value that works to improve the livelihoods of low-income people and promotes social inclusion, both in Cambodia and globally. We regard how we can contribute to this business as a greater strategic challenge and will pursue a growth strategy for it.」

「In line with our basic policy of providing small-scale funding for businesses that support the livelihoods of the poor and vulnerable, we have conducted our business and achieved a certain level of expansion.」

「We conduct conservative business activities in line with our basic policy of providing small-scale funding for businesses that support the livelihoods of the poor and vulnerable.」

「Meanwhile, by diversifying its portfolio, the microfinance business has increased its loan balance while keeping its delinquency rate more stable than the industry average, contributing to the rebuilding of the lives of low-income Cambodians and leading Cambodia's finance business.」

「The company is driving Cambodia's financial business while contributing to the rebuilding of livelihoods among the country's low-income population.」

「By diversifying its portfolio, the microfinance business has kept its delinquency rate extremely stable relative to industry levels while increasing its loan balance, contributing to the rebuilding of livelihoods among Cambodia's low-income population and driving the country's financial business.」

「The microfinance business remained solid as the company continued to pursue financial inclusion for low-income groups.」

「Furthermore, we will work on Social Emergency Loan and Wash Loan, seeking to address poverty in Cambodia through the power of finance.」

「In our microfinance business, we are actively introducing Social Performance Management, a management approach that focuses on both social outcomes and financial sustainability, and pursuing balanced growth that delivers both social contributions and economic returns. In Cambodia, approximately 40% of people still do not have access to accounts at financial institutions and cannot meet their funding needs for growing microbusinesses. We are promoting financial inclusion through small loans for these people and working to address issues such as poverty, gender and inequality, which are among the goals set out in the SDGs.」