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ACLEDA Bank Plc. is a public limited company, formed under the Banking and Financial Institutions Law of the Kingdom of Cambodia based in Phnom Penh, with 236 offices covering all provinces, as well as 25 in Laos. ACLEDA started out in 1993 when it began providing micro credits to war victims. By now it is Cambodias major commercial bank. ACLEDA had more than $1,752 million in total assets as of December 31, 2011,〔(【引用サイトリンク】title=Error - ACLEDA Bank Plc. )〕 and more than $1,323 million in deposits,〔(【引用サイトリンク】title=Achievement )〕 with over $1,134 million in loans outstanding.〔 According to the National Bank of Cambodia, ACLEDA Bank is the largest domestic commercial bank in terms of total assets〔http://www.wap.com.kh/Detail.aspx?ArticleID=4037〕 and number of clients, with more than 821,900 depositors as of December 31, 2011.〔(【引用サイトリンク】title=Error - ACLEDA Bank Plc. )〕 The bank is headed by President and CEO, In Channy, who is one of the original 28 members of the organization. Channy joined the company in 1992 as a loan officer while the bank was still a UN-funded microfinance project. He now serves as Chief Executive Officer of the company, and also serves as Vice-chairman of the International Business Chamber of Cambodia. ==History== With the ILO and UNDP as godparents, ACLEDA was established in January 1993, as a national NGO for micro and small enterprise development and credit by a group of founders listed below. From its earliest days, it enjoyed the support of a number of major international development agencies whose contributions are gratefully acknowledged in ACLEDA's 'Roll of Honour'. Two factors, namely expansion of its network to cover all of Cambodia’s provinces and towns and its ability to operate at a profit to ensure its sustainability, led both its board and international partners to conclude that it should be transformed into a commercial bank. This would not only provide a secure regulatory framework lacking under its previous status but would also enable it to enlarge its range of funding options (e.g., equity injection, taking public deposits, obtaining commercial interbank loans) to support the expansion of its core micro-finance business. With assistance from USAID, MPDF/IFC and UNDP—to name a few—a three-year program for transformation commenced in 1998 which culminated in the granting of a specialised banking license in October 2000. Under the process, the original NGO has transferred its assets and on-lent its liabilities (long term loans from donors) to the new ACLEDA Bank. In return, it has received 44.91% of the bank’s capital of US$4 million; the ACLEDA Staff Association (‘ASA’), a trust established to give its staff an equity interest, has purchased 6.09% and the remaining 49% has been taken up in equal parts by four foreign investors, namely the International Finance Corporation (a division of the World Bank), DEG (Germany), FMO and Triodos Bank (The Netherlands). It is intended that ACLEDA Bank will seek a listing on a stock exchange at some time in the future. Since December 1, 2003, ACLEDA Bank was licensed as a commercial bank after having tripled its capital to US$13 million and was named ACLEDA Bank Plc. On November 30, 2006, ACLEDA Bank raised its issued and paid-up capital from US$13 million to US$30 million. On January 4, 2008, ACLEDA Bank celebrated its fifteenth anniversary and raised its issued and paid-up capital from US$30 million to US$50 million. On January 23, 2009, the capital of ACLEDA Bank Plc. was increased from US$50 million to US$60 million and further increased on June 12, 2009, to US$68.15 million. On June 3, 2011, the bank increased its capital to US$78 million and further increased to US$88 million on February 6, 2012. On May 25, 2012, ACLEDA Bank had raised its issued and paid-up capital from US$88,372,500 to US$113,169,560. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「ACLEDA Bank」の詳細全文を読む スポンサード リンク
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