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About Sathapana
about-sathapana

SATHAPANA 银行有限公司的最終母公司是日本的 MARUHAN 公司,由现任主席韩昌宇博士于 1957 年 5 月创立。MARUHAN 日本公司是当今日本领先的综合娱乐集团。2000 年代中期,主席韩昌宇博士访问了东南亚各国,探索新的商业潜力和机遇,他想实现的愿景是协助一个国家、其经济和人民变得繁荣昌盛。原因是他亲身经历了日本从 1950 年代至今的转变,并希望能将同样的成功带到海外。为了实现他的愿景,主席韩昌宇博士会见了各国政府高级官员和商业领袖,征求他们的意见和建议。他对柬埔寨特别感兴趣,因为他觉得这个国家在经历内战困难期后有着巨大的潜力。最后他得出的结论是,建立一个具有日本款待之道特色的商业银行可帮助埔寨发展,并为柬埔寨的繁荣做出贡献。

主席韩昌宇博士在 2008 年 5 月 创立了 MARUHAN 日本银行有限公司,它成为柬埔寨第一家日本人独资的商业银行,目的在于通过提供各种银行服务和来自日本的投资,为柬埔寨的发展和增长作出贡献。他的理念是支持正尽力地用勇气和热情推动国家经济发展,为国家做出贡献的柬埔寨人民。为了表明致力于帮助柬埔寨人民的承诺,MARUHAN 日本银行有限公司也是第一家向小额贷款公司提供无担保贷款的商业银行。

2012 年 12 月,MARUHAN 日本银行有限公司获取机会收购柬埔寨领先的小额信贷机构,SATHAPANA 有限公司。SATHAPANA 有限公司最初于 1995 年成立为非政府组织(NGO)。在收购时,SATHAPANA 有限公司已成为一家接收存款的小额信贷机构,为全国低收入人群提供资金支持,它在各省拥有 140 多个分行和服务点办事处,对于柬埔寨的经济发展和增长具有很大的贡献。

当时的 MARUHAN 日本银行有限公司正提供商业银行产品和服务,旨在将其业务拓展到全国。与此同时,SATHAPANA 有限公司则向基层人民提供微金融产品和服务,意图成为一家全方位商业银行。主席韩昌宇博士看到了两家公司的相似之处和共同目标,相信两者有着巨大的互补潜力,于是结论合并 MARUHAN 日本有限公司和 SATHAPANA 有限公司。

由于柬埔寨金融机构之间尚无合并历史,在与柬埔寨国家银行和其他政府监管机构进行多次磋商后,SATHAPANA 银行于 2016 年 4 月成立,实收资本为 1.2 亿美元,从 160 家分行、73 台自动取款机和 3,458 名员工开始。作为柬埔寨的人民银行,新合并商业银行的成立旨在提供可靠的银行服务,支持创业者,创造就业机会,通过可持续的金融服务改善他们的业务和生活水平。

主席韩昌宇博士明确指出:“我们将继续提高客户满意度,并以创新、开拓的精神拓展我们的业务。我们的目标是成为柬埔寨领先的商业银行。”

愿景

成为柬埔寨最值得信赖的领先银行,提供全国最好的全面银行服务。

使命

通过提供最好的全面银行服务和先进技术,改善柬埔寨商业和生活,同时为国家的可持续发展做出贡献。

Board of Directors

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HAN CHANG-WOO博士

董事和主席

MARUHAN Corporation的创始人、董事长兼首席执行官。MARUHAN Corporation经营和管理各种娱乐和游乐设施,包括高尔夫球场、开球场、保龄球馆、游戏中心、餐厅和赌博游戏场所(日本的弹珠游戏场所)。他于1957年创办了MARUHAN Corporation,并使其业务迅速发展,年销售额超过250亿美元。MARUHAN Corporation被誉为日本行业的领先公司。公司业务增长的成功源于他对追求客户满意度和高度挑战精神的强大热情。目前,他积极参与多个协会,并担任韩昌宇哲文化基金会的行政董事、京都联合国教科文组织协会的董事、日本联合国协会京都分会的行政官员以及东京爱乐乐团的董事。他于1953年获得了法政大学的政治经济学学士学位。

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DR. HAN CHANG-WOO

Chairman of the Board

Dr. HAN Chang-Woo is the founder, Chairman, and CEO of MARUHAN Corporation of Japan, which operates and manages a variety of entertainment and amusement facilities such as golf courses, driving ranges, bowling alleys, game centers, restaurants, and pachinko parlors. He founded MARUHAN Corporation in 1957 and saw the business grow rapidly, with earnings over US$ 25 billion in annual sales. MARUHAN Corporation is known as the industry’s leading company in Japan. The success in the company’s business growth comes from Dr. Han’s determination in challenges, and strong belief in pursuing customer satisfaction. Currently, he actively participates in several associations and sits as Honorary Chief Advisor of Han Chang-Woo Tetsu Cultural Foundation, Director of the Kyoto UNESCO Association, Director of the United Nations Association of Japan Kyoto Headquarters, Director of Tokyo Philharmonic, Chairman of the World Federation of Korean Chambers of Commerce and Industry and Honorary Advisor of the Central Association of Japan-Korea Friendship Societies. Since June 2023, he is also the Representative Director & Chairman of the Board of Taiheiyo Club, Inc., a subsidiary of MARUHAN Corporation, operating the 18 Golf courses in Japan, where the world class Golf championships are regularly held. He obtained his Bachelor of Political Economics degree from Hosei University in 1953.

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HAN KEN先生

副董事

HAN Ken先生于1998年在野村证券工作后于2000年加入了MARUHAN Corporation。随后他于2007年被任命为MARUHAN Corporation的董事,2014年成为董事总经理,并于2020年成为代表董事,负责担任首席财务官以及自2007年起负责MARUHAN集团的东盟金融业务。他还担任MARUHAN Investment Asia Pte. Ltd.的董事兼首席执行官/总裁,该公司是总部位于新加坡的金融公司,管理着其金融子公司,如SATHAPANA Bank Plc.、缅甸的Sathapana Limited和MARUHAN Japan Bank Lao。他于1997年获得了同志社大学的法学学士学位。

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MR. HAN KEN

Vice Chairman of the Board

Mr. HAN Ken joined MARUHAN Corporation in 2000, after working for Nomura Securities since 1998. In 2007, he was appointed as Director of MARUHAN Corporation and in 2014, rose to become Managing Director. In 2020, he was subsequently appointed as Representative Director. In 2021, he was appointed as President of Financial Company. He is also the Managing Director and CEO/President of MARUHAN Investment Asia Pte. Ltd. that has its financial headquarters in Singapore. He manages its financial subsidiaries such as Sathapana Bank Plc.in Cambodia as Vice Chairman since July 2023, Sathapana Limited in Myanmar, and MARUHAN Japan Bank Lao. In June 2023 he was appointed as Director of Taiheiyo Club, Inc., a subsidiary of MARUHAN Corporation, operating the 18 Golf courses in Japan, where the world class Golf championships are regularly held. He obtained his Bachelor of Law degree from DOSHISHA University in 1997.

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MR. IWASA TOMOYUKI

Director

Mr. IWASA Tomoyuki has over 30 years’ banking business experience since he started his career in 1989 at Mizuho Bank Ltd. in Japan. He covered various positions in corporate banking area including business promotion, strategic planning, risk management, and credit both for domestic and international markets. After his final career at Mizuho Bank as Deputy General Manager of Americas Credit Department at New York, he joined MARUHAN Corporation in August 2019, the shareholder of Sathapana Bank Plc. and currently serves as Corporate Officer of Financial Company and General Manager of Banking Business Department and Strategic Planning Department. Mr. Iwasa obtained a Master of Business Administration degree from Vanderbilt University (U.S.A.) in 2000 and a Bachelor of Economics degree from The University of Tokyo (Japan) in 1989.

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NAOYA HIRAMATSU先生

董事

Naoya Hiramatsu 先生于 1988 年加入三菱东京 UFJ 银行,开启了他的职业生涯。在随后长达 35 年的时间里,他在银行和企业部门均担任过相关职位,作为资深的银行和企业高管,积累了丰富的经验。
他在 MUFG 的事业生涯包括在纽约和新加坡共 16 年的海外工作经历,在这期间他担任过财务、企业规划、金融、人力资源、IT 管理以及风险与合规管理等方面的职位。此外,他还制定了让当地员工参与管理流程的相关战略,实施了重大的治理改革,并提高了银行的国际影响力和运营效率,助力业绩实现了大幅增长。
2019 年,Hiramatsu 先生加入立邦涂料集团,负责领导集团的全球化工作。作为立邦汽车涂料有限公司的副总裁兼执行企业官,他领导了重大的财务和组织改革,由此建立了新的业务领域并夯实了管理基础。此外,他还通过在业务运营中利用人工智能和促进数字化转型,提高了公司的生产效率,使公司扭亏为盈,并实现了指数级增长。
2024 年,Hiramatsu 先生以企业官的身份加入 MARUHAN Corporation(丸韩股份有限公司),负责监督海外附属金融机构,并为业务拓展和组织改革方面的战略举措提供支持。

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KIM VADA勋爵

独立董事

KIM Vada 勋爵在柬埔寨国家银行(NBC)拥有超过37年的工作经验,从NBC金达省分行的负责人到银行监管总局的总监。在央行任职期间,他在银行领域担任过多个高级职位,涉及风险管理(市场风险、信用风险、流动性风险、操作风险等)、公司治理和业务战略等方面。他在2000年代成功推动了柬埔寨银行体系的重组工作,发展出了竞争激烈、安全健全的银行体系,并进行了有效的监管和监督。他还成功动员储蓄资金来促进柬埔寨经济的增长。金先生于1975年获得法学学士学位,1985年获得银行学士学位,并于2003年在澳大利亚查尔斯斯图尔特大学获得金融专业的工商管理硕士学位。他曾在柬埔寨一些知名大学担任讲师和客座演讲嘉宾。此外,在过去的10年中,他积极参与各种与监管框架、银行和小额信贷监督、移动银行以及本地和国际金融包容性相关的会议和研讨会,担任杰出演讲者。在国际层面上,他曾于2012年7月至2014年6月担任亚太农村和农业信贷协会(APRACA)主席,以及2015年1月至2017年6月担任金融包容联盟(AFI)的执行成员。

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H.E. SHINOHARA KATSUHIRO

Independent Director

H.E. SHINOHARA Katsuhiro has a history with Cambodia that spans over 50 years. In 1967, he first arrived in Cambodia as a Japanese Diplomat. He spent his first 2 years in Wat Ounalom Pagoda in Phnom Penh; of which, 7 months he spent as a monk studying language, and Khmer culture, before taking up the position as Secretary Officer at the Japanese Embassy in Cambodia. After returning to Cambodia for as a Senior Consular Official at the Japanese Embassy in Cambodia (from 1991-1994 and 2001-2004 respectively), he eventually cemented his relationship with Cambodia by serving as the Japanese Ambassador to the Kingdom of Cambodia from 2007 to 2009. Since December 2012, has sat on Sathapana Bank’s board as an Independent Director and committee member. Current, he is the Chief Representative of CIESF’s (the NGO, Cambodia International Education Support Foundation of Japan) Cambodian Office in Phnom Penh.

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SHINOHARA KATSUHIRO勋爵

独立董事

SHINOHARA Katsuhiro 勋爵与柬埔寨的历史已经超过40年。他首次于1967年作为日本外交官来到柬埔寨,并在金边的瓦温洛龙寺庙度过了头两年的时间,其中有7个月他作为僧侣学习高棉语言和文化,之后在日本驻柬埔寨大使馆担任秘书官职务。在之后的两个任期中,他分别以高级领事官员的身份返回柬埔寨,在日本驻柬埔寨大使馆担任工作(分别是1991年至1994年和2001年至2004年),最终在2007年至2009年期间担任日本驻柬埔寨王国的大使,进一步巩固了与柬埔寨的关系。他曾担任Sathapana Limited的独立董事和委员会成员,目前是日本非政府组织CIESF(柬埔寨国际教育支持基金会)的副主席,并担任其在金边柬埔寨办事处的首席代表。

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H.E. KIM VADA

Independent Director

H.E. KIM Vada had over 37 years of working experience at the National Bank of Cambodia (NBC). He started as the Head of NBC’s Kandal Provincial Branch and made his way up to becoming Director General of Banking Supervision Directorate. During his time at the central bank, he held several senior positions in the banking field, covering the areas of risk management (market, credit, liquidity, operational risks, etc.), corporate governance, and business strategy. He played a key role in restructuring the banking system successfully in Cambodia during the 2000s, by developing a competitive, safe and sound banking system which was well-regulated and supervised. He had also effectively mobilized savings for financing to stimulate the growth of the Cambodian economy. H.E. Vada obtained a Bachelor of Law degree in 1975, a bachelor’s degree in Banking in 1985, and an MBA majoring in Finance, from Charles Sturt University of Australia in 2003. He was also sought after as a lecturer and guest speaker at several well-known universities in Cambodia. Besides that, over the last 10 years, he has actively participated as a prominent speaker in various conferences and seminars pertaining to the regulatory and supervisory framework, banking and microfinance supervision, mobile banking, as well as financial inclusion, both locally and internationally. In the international sphere, he held the position of the Chairman of Asia Pacific Rural and Agricultural Credit Association (APRACA) from July 2012 to June 2014 and was an executive member of Alliance for Financial Inclusion (AFI) from January 2015 to June 2017.

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JOHN GERARD WILLIAMS先生

独立董事

Williams 先生是拥有广泛国际背景和高度多元化经验的资深人力资源主管。他从 1986 年开始投身入金融服务业。在随后长达 36 年的职业生涯中,他担任过人力资源方面的多个高层领导职位,其中许多为地区或全球级别的职位。Williams 先生在与高级管理人员和董事会级专业人士合作方面经验丰富。 
除伦敦外,他的职业生涯大多数时间都在海外度过,涵盖阿姆斯特丹、东京、香港和新加坡等多地。他在大型跨国公司和小型平台均工作过,也因此学会了如何相应地调整自己的管理风格。 
Williams 先生非常善于建立、发展和领导人力资源团队,聘用高层领导者,以及帮助确保他们有效融入公司。他对跨文化差异及其所带来的多元化非常敏感。他领导了许多重要的国际项目,涉及薪酬、招聘、组织变革、人才管理和外派人员流动等多个领域。在职业生涯中,Williams 先生曾先后在瑞士再保险集团、Kleinwort Benson、ING、大和资本市场以及 MUFG 任职。 
Williams 先生于 2022 年下半年决定离开他的企业职业生涯,并于 2023 年成立了自己的公司,专注于指导、调解和临时人力资源咨询工作。 
他是国际教练联盟的认证教练,也是受 CEDR 认可的调解员。
2024 年,Williams 先生加入了 Sathapana Bank Plc.,担任独立董事兼薪酬与提名委员会主席。

Executive Commitee


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MR. FUNG KAI JIN

Chief Executive Officer

Mr. Fung Kai Jin is a current Chief Executive Officer of Sathapana Bank Plc.,. He has more than 30 years of banking experience with international and regional financial institutions. Prior to Sathapana Bank Plc., he was Head of SME Division/Deputy CEO of VPBank Vietnam. He was also Executive Vice President, Head of Commercial Banking at Alliance Bank Malaysia Berhad and General Manager, SME Banking at Standard Chartered Bank Malaysia Berhad. Mr. Fung obtained his Master of Business Administration from Curtin University, Western Australia and Bachelor of Construction Economics from Royal Melbourne Institute of Technology, Melbourne, Australia.

首席执行官

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HENK G. MULDER 先生

首席执行官

Henk G. Mulder 先生现任 Sathapana 银行首席执行官。Henk 先生是一位成就卓著的领导者,在零售业务和投资银行业拥有超过 40 年的丰富经验,具有战略和变革管理、信用风险和资金管理领域的专业知识。Henk 先生拥有在短时间内成功将企业扭亏为盈并扩大规模的良好记录,曾在不同市场主导过数十亿美元的资产负债表业务。 
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他于 1982 年在荷兰银行 (ABN Amro Bank) 开始其职业生涯,曾在荷兰、印度、巴西、印度尼西亚、哥伦比亚、罗马尼亚和沙特阿拉伯等地担任过该行的各种职务。 
在加入 Sathapana 银行之前,Henk 先生曾担任 Devshack International(DSI 集团)的总裁董事,期间制定和实施了在撒哈拉以南地区的战略。他还曾在赞比亚的 Zambia National Commercial Bank Plc. (Zanaco)、荷兰的 Rabo Development 和印度尼西亚的 PT Bank Rabobank 担任首席执行官,与横跨亚洲、欧洲、南美洲和非洲的不同团队合作。 

副首席执行官

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MR. KENJI KUROKI

Deputy Chief Executive Officer

Mr. Kenji KUROKI has over 30 years of commercial banking experience, since he started his career in 1989 at The Sumitomo Bank, Limited (subsequently changed to Sumitomo Mitsui Banking Corporation, aka “SMBC”) in Japan. Most of his experience was centered in emerging markets within the Southeast Asia region. In SMBC, he served as the Planning Manager of PT Bank Sumitomo Mitsui Indonesia from 1996 until 2003. He served as Deputy General Director of Vietnam Eximbank, the then affiliate of SMBC in Vietnam, from 2008 until 2015. In May 2018, he left SMBC and joined MARUHAN Corporation, the ultimate shareholder of Sathapana Bank Plc. In December 2021, he assumed the current position of Deputy Chief Executive Officer at Sathapana Bank Plc. Mr. Kuroki received a Bachelor of Arts degree in Indochinese Studies from Tokyo University of Foreign Studies in 1989.

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MR. JEAN PIERRE GAGNON

Deputy Chief Executive Officer

Mr. Jean Pierre GAGNON, Deputy Chief Executive Officer of Sathapana Bank Plc., has more than 20 years’ experience leading organizations in the fintech and payment industries. Before joining Sathapana Bank, he was the CEO of beFinancial, in Vietnam, and CEO of Eko-Pay. In his previous roles, he drove the development, integration, and implementation of proprietary solutions within various banks and card schemes such as Visa and Mastercard. Over the years, Mr. Gagnon drove sales of POS systems, loyalty programs, co-branded cards, digital financial solutions and digital banking products across North-America, Europe, and APAC regions. With a global lens and profound knowledge of business development activities, payment solutions, processing infrastructure, issuing, and acquiring, he oversees Transaction Banking, IT and Digital Products. He drives partnership development while coaching and building high-performing teams in Sathapana Bank.

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ARVID SWARTSENBURG 先生

副首席执行官

Arvid Swartsenburg 先生是 Sathapana Bank Plc.的副首席执行官,在全球银行业和管理咨询领域拥有超过25年的经验,足迹遍布发达市场和新兴市场。他的专业知识涵盖了消费者和公司银行业务、财富管理和战略变革计划,包括数字化转型、数据分析和风险管理等。
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Arvid 先生热衷于创新和数字化转型,作为 Sathapana 银行的零售、数字和公司银行业务部门的领导,推动着公司的可持续性增长和商业成功。
他先前的工作经验包括引领大华银行 (UOB) 的数字战略和转型,以及在新加坡 Arete Financial Partners 担任首席管理顾问等。在职业生涯早期,他曾在美国、欧洲和亚洲的花旗银行担任高级领导职务。

Arvid 先生拥有墨尔本商学院的工商管理学硕士学位以及威廉与玛丽学院的金融工商管理学学士学位和经济学学士学位。

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YOSHIHARU MORIMOTO 先生

副首席执行官

Yoshiharu Morimoto 先生是Sathapana 银行的副首席执行官。他于2024年12月加入Sathapana 银行。自 1994 年入职住友银行,后更名为三井住友银行(SMBC)以来,Morimoto 先生已在商业银行领域深耕 30 多年,拥有丰富的行业经验。在加入 Sathapana 银行之前,他曾在日本、新加坡、马来西亚、印度尼西亚和菲律宾等各国银行担任不同的高级管理职务。
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Morimoto 先生现主持财务、司库、行政、采购、信息安全、管理信息系统、生产力与绩效管理、风险管理等工作,借助其在亚太地区积累 10 多年的专业经验,致力于为柬埔寨的尊贵客户和当地社会提供优质服务。

他获得大阪大学的工学学士和硕士学位。

首席官员

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MS. JENNIFER LEE

Chief Transformation Officer

Ms. Jennifer LEE Cheau Lin, Chief Transformation Officer of Sathapana Bank Plc., has always been a digital geek at heart since her first exposure to a digital project in 1993. For 26 years, she has accumulated extensive experience in various technology-related industries. Jennifer has worked as a digital service provider, a technopreneur, helped to set up enforcement technology start-ups, and led digital and convergence project in telecommunication companies. She has recently led the IT and Digital divisions to set up a new bank and transformed it from an MFI to a fulledged commercial bank. Jennifer holds a Bachelor of Mass Communications (Hons) degree from the University of Science Malaysia.

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SEANG SEREY先生

总行政主任

Sean Carey先生在多家金融机构和跨国快速消费品公司拥有超过25年的专业经验。 在2023年1月恢复在SATHAPANA Bank Plc担任首席行政官之前,他被借调为缅甸SATHAPANA Limited的首席执行官。 他于2008年加入MARUHAN Japan Bank担任分行经理,并在许多不同的职位上发展了他的职业生涯,包括主要分行主管,销售主管,金融机构主管,首席行政官和首席执行官。
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Serey先生于1997年获得MAHARISHI Vedic大学管理学士学位,并于2008年获得澳大利亚Charles Sturt大学工商管理硕士学位。 在他的职业生涯中,他参加了与商业银行相关的各种本地和国际培训,他是2020缅甸董事协会的认证董事会。

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MR. SEANG SEREY

Chief Administrative Officer

 
Mr. Seang Serey has over 25 years of professional experience with various financial institutions and multi-national FMCG companies. He was seconded to be Chief Executive Officer of SATHAPANA Limited, Myanmar before resuming his office with SATHAPANA Bank Plc as Chief Administrative Officer in January 2023. He joined MARUHAN Japan Bank in 2008 as Branch Manager and developed his professional career in many different roles including Head of Main Branch, Head of Sales, Head of Financial Institution, Chief Administrative Officer and Chief Executive Officer.
Mr. Serey obtained his Bachelor of Management degree from MAHARISHI Vedic University in 1997 and Master of Business Administration in 2008 from Charles Sturt University, Australia. During his career he attended various local and international training related with business banking and he is a certified board of director by Myanmar Institute of Director in 2020.
 

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MR. SVOEUY PONNAKRATH

Chief Financial Officer

Mr. SVOEUY Ponnakrath has over 18 years of work experience with various companies and financial institutions in Cambodia. He joined Sathapana Bank as CFO in October 2017. Prior to Sathapana Bank Plc., he was the General Manager in charge of the Finance and IT Division of Toyota, Cambodia. He was the Chief Financial Officer (CFO) of a Microfinance Institution in Cambodia before being promoted to CEO within the same institution. Mr. Ponnakrath has an extensive practice in dealing with various international financial institutions and has strong experience in managing various projects in areas like ERP, IT, IFRS, and Core Banking. He is a Project Management Professional (PMP) credential holder, certified by the US-based Project Management Institute. Moreover, he is a Chartered Banker (CB), jointly awarded by the Chartered Banker Institute in the UK and the Asian Institute of Chartered Bankers in Malaysia. He is also a Fellow Member (FCCA) of the Association of Chartered Certified Accountants (ACCA) in the UK. Additionally, he obtained an International MBA from Audencia Business School, one of the top business schools globally and in France. On top of his MBA, he was awarded a Certificate of Management Excellence (CME) credential from Harvard Business School (HBS) in the United States and a Certificate in Business Analytics from Columbia Business School. He is also a member of the Harvard Business Review Advisory Council, an opt-in research community for business professionals.

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MENG VEASNA先生

首席风险官

MENG Veasna先生在银行业和国际审计公司拥有超过 16 年的专业经验。他在普华永道会计师事务所(柬埔寨)担任审计经理,后于 2012 年 4 月加入了 MARUHAN 日本银行,担任内部审计主观,随后担任企业风险管理主管,最终担任信贷主管;在 2016 年 4 月 MARUHAN 日本银行和 Sathapana Limited 合并成立一家新的商业银行后,他继续担任新成立的 Sathapana 银行商业信贷主管,直到 2020 年 4 月被任命为首席风险官(CRO)。
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MENG Veasna先生于 2002 年获得了国家管理大学的工商管理学士学位。他于 2009 年通过了 ACCA 的考试并成为会员,在 2014 年获得了 FCCA 的认证。他在 2019 年 9 月获得了德国法兰克福金融与管理学院的风险管理认证。

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MR. MENG VEASNA

Chief Risk Officer

Mr. MENG Veasna has over 17 years of professional experience in the banking industry and an international audit firm. He was an Audit Manager in PricewaterhouseCoopers (Cambodia) before joining MARUHAN Japan Bank in April 2012, as Head of Internal Audit and later, held other positions such as Head of Corporate Risk Management and then Head of Credit; before the merger in April 2016 between MARUHAN Japan Bank and Sathapana Limited to create a new commercial bank. He continued to serve as Head of Commercial Credit in the newly formed Sathapana Bank until appointed as Chief Risk Officer (CRO) in April 2020. Mr. Veasna obtained his Bachelor of Business Administration degree from the National University of Management in 2002. He passed the exam and became a member of ACCA in 2009, and FCCA in 2014. In September 2019, he obtained his Certified Expert in Risk Management certification from the Frankfurt School of Finance and Management, Germany.

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HONG LUNDY先生

首席审计官

HONG Lundy先生在银行业和柬埔寨四大会计事务所拥有超过 17 年的工作经验。在加入 Sathapana 银行之前,他在普华永道柬埔寨负责审计和咨询服务。他为各种客户提供服务,主要集中在电信和银行业。2013 年,先生加入 MARUHAN 日本银行,担任内部审计主管,直至该银行于 2016 年与 Sathapana Limited 合并成立 Sathapana 银行。自 2016 年以来,他领导了银行的各种控制会议,包括风险与合规、运营风险、市场风险和内部审计。先生拥有技术与管理学院的工商管理学士学位,协会特许公认会计师(ACCA)和风险管理专家认证(CERM)证书,以及来自德国金融管理学院的风险管理认证。他还是 ACCA、IIAP 和 KICPAA 的会员。

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MR. HONG LUNDY

Chief Audit Officer

Mr. HONG Lundy has more than 17 years of working experience in the banking industry and in one of Cambodia's big four accounting firms. Before joining Sathapana Bank Plc., he was an auditor at PricewaterhouseCoopers, Cambodia, for assurance and advisory services. He served various clients, mainly in the telecom and banking industry. In 2013, Mr. Lundy joined MARUHAN Japan Bank as Head of Internal Audit until its merger in 2016, with Sathapana Limited that formed Sathapana Bank. Since 2016, he led various control sessions for the Bank, including Risk and Compliance, Operational and Market Risk, and Internal Audit. Mr. Lundy obtained his BBA degree from the Institute of Technology and Management, CAT and ACCA qualifications from the Association of Chartered Certifi-ed Accountants (ACCA), and Certified Expert in Risk Management (CERM) certification from the Frankfurt School of Finance and Management, Germany. He was an FCCA, and is IIAP and KICPAA member.

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MR. FUNG KAI JIN

Chief Executive Officer

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MR. FUNG KAI JIN

Chief Executive Officer

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NAK PECHKORSA先生

首席技术和信息官

NAK Pechkorsa先生在国际公司和金融机构拥有超过 18 年的技术经验。在加入 Sathapana 银行有限公司之前,他曾是 J Trust Royal Bank 的信息技术主管。他在 ANZ Royal Bank 和 J Trust Royal Bank 工作了超过八年。先生获得了诺顿大学的工商管理硕士学位和皇家法律经济学院的经济信息学学士学位。他还拥有 ITIL、COBIT、CPISI、ISO 27001:2013 ISMS 领先实施者和 ISO 9001:2015 QMS 要求等国际认证。

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MR. NAK PECHKORSA

Chief Technology and Information Officer

Mr. NAK Pechkorsa has over 19 years of technology experience with international companies and -financial institutions. Before joining Sathapana Bank Plc., he was the Head of Information Technology at J Trust Royal Bank. He has worked in ANZ Royal Bank and J Trust Royal Bank for over eight years. Mr. Korsa obtained a Master of Business Administration degree from Norton University, and a Bachelor of Economics Informatics degree from the Royal University of Law and Economics. He also holds international certifications in ITIL, COBIT, CPISI, ISO 27001:2013 ISMS Lead Implementer, and ISO 9001:2015 QMS Requirement.

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MR. KOY CHAMROEUNVICHEA

Chief Credit Officer

 
Mr. KOY Chamroeunvichea has over 15 years of working experience in the banking industry. Before joining Sathapana Bank, he worked as a Branch Manager at Vattanac Bank for over 8 years. In September 2015, he joined Sathapana Bank as Deputy Head of Credit. He was then promoted to Head of Credit Operations in April 2018, managing a range of units such as retail and commercial credit analysis, credit administration, and collateral valuation.
Over the years, he has led credit functions to deliver remarkable results. He successfully led the Merger Project team in setting up the parameter for credit products and modules in the core banking system. He also developed standard operating procedures and policies, as well as conducted process reengineering and automation. Additionally, he has led the Credit Admin team to improve data quality in the core banking system, which resulted in the Bank obtaining the Data Quality Award from the CBC in October, 2017.
Currently, he is appointed as the Chief Credit Officer of Sathapana Bank. In 2007, Mr. Vichea received his bachelor’s degree in management. In 2010, he obtained his Master of Business Administration, majoring in Management, at Norton University, Cambodia.
 

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KOY CHAMROEUNVICHEA先生

首席信贷官

KOY Chamroeunvichea先生在银行业拥有超过 15 年的工作经验。在加入 Sathapana 银行之前,他在瓦坦纳克银行担任分行经理长达 8 年之久。2015 年 9 月,他加入 Sathapana 银行担任信贷副主管。之后,他于 2018 年 4 月晋升为信贷业务主管,管理零售和商业信贷分析、信贷管理以及抵押品估值等多个单位。

多年来,他领导信贷职能团队取得了显著的成果。他成功领导合并项目团队,在核心银行系统中设定信贷产品和模块的参数。他还制定了标准操作程序和政策,并进行了流程再造和自动化。此外,他还领导信贷管理团队改善了核心银行系统中的数据质量,使银行于 2017 年 10 月获得了柬埔寨国家银行颁发的数据质量奖。
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目前,他被任命为 Sathapana 银行的首席信贷官。2007 年,先生获得了管理学学士学位。2010 年,他在柬埔寨的诺敦大学获得了管理专业的工商管理硕士学位。

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CHHIM SAM OL女士

人事部主任及法务主任

CHHIM Sam Ol女士是Sathapana Bank高级管理团队的重要成员。 她目前担任人事部主任和法律干事,领导两个司--人力资源和法律秘书处部。 Sam Ol是柬埔寨王国律师协会的持牌律师。 她在为国内和跨国客户提供高质量的法律咨询和服务方面有超过10年的经验。 她的经验包括但不限于民事和刑事案件。 她还为柬埔寨安全和交易所监管机构提供证券部门的法律服务。

Sam Ol女士是柬埔寨皇家学院的博士候选人,拥有皇家法律大学和里昂卢米埃尔大学的土地法双硕士学位。 她还于2004年至2008年获得"柬埔寨王国政府奖学金",在那里她完成了皇家法律大学和里昂卢米埃尔大学的比较法双学士学位。 此外,Sam Ol还获得了金边皇家大学外国语学院(IFL)的英语教学学士学位。
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她的专业荣誉包括2022年获得英国CEDR调解员认证,并于2017年完成国际入门课程,成为新加坡仲裁协会(SIArb)成员。 她还于2010年在新加坡国立大学担任研究员。

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MS. CHHIM SAM OL

Chief of People and Legal Officer

 
Ms. CHHIM Sam Ol is a key member of Sathapana Bank's senior management team. She currently stands as the Chief of People and Legal Officer, leading two divisions—the Human Resource and Legal Secretariat department. Sam Ol is a licensed attorney-at-law with the Bar Association of the Kingdom of Cambodia. She has over 10 years of experience in providing quality legal advice and services to domestic and multinational clients. Her experience includes but is not limited to civil and criminal cases. She has also provided legal services in the securities sector for the Security and Exchange Regulator of Cambodia.
Ms. Sam Ol is a PhD candidate in Royal Academy of Cambodia and holds a dual Master in Land Law from Royal University of Law and University Lumière Lyon 3. She was also awarded the "Scholarship of Royal Government of Cambodia" from 2004 to 2008, where she completed her dual Bachelor's degree in Comparative Law from both Royal University of Law and University Lumière Lyon 2. Additionally, Sam Ol has earned a Bachelor of Education in Teaching English as a Foreign Language (TEFL) from Royal University of Phnom Penh, Institute of Foreign Languages (IFL).
Her professional accolades include he CEDR Mediator Accreditation of United Kingdom in 2022 and the completion of the International Entry Course to be a member of SIArb (Singapore Institute of Arbitration) in 2017. She also served as a fellow researcher in the National University of Singapore in 2010.
 

Corporate Social Responsibility

Sathapana银行的企业社会责任 (Corporate Social Responsibility, CSR) 理念和实践包括采取积极的行动,对社区、环境和整个社会产生正面影响。

我们的CSR理念的关键方面之一是社区发展。这包括支持本地组织和倡议,致力于促进我们服务的社区的经济发展。例如,投资小型企业和支持本地住房计划。

可持续发展 是我们CSR关注的另一个重点领域。这包括实施可持续的业务实践,例如减少能源消耗和废物产生,并支持本地的环境保护工作。
我们相信,通过成为良好的企业公民,我们可以帮助改善我们服务的社区的福祉,并对周围的世界产生积极影响。

Privacy Policy

Sathapana 银行有限公司的隐私政策

简介

Sathapana 银行有限公司的隐私政策(也称 “隐私政策”)提供有关 Sathapana 银行有限公司及其关联方(“Sathapana 银行” 或 “我们)通过网站、手机应用程序和社交媒体页面所收集、公开、使用和分享(统称为 “处理” 或 ”处理过程“)个人信息的详情。此隐私政策还解释了与这些处理过程相关的隐私权利。

在本隐私政策中,个人信息和个人数据是指与被识别的个人和实体有关的信息,无论真实与否。最低限度的信息应包括但不限于公司名称和注册文件或您的姓名、地址、性别、出生日期、身份证、户口簿、护照、电邮地址、职业、业务联系方式、电话号码,或通过您在我们的网站或活动中与我们互动而提供的信息。个人信息和个人数据也称 "关于您的信息"。​​​​​​​

我们邀请您在订阅和/或使用 Sathapana 银行的服务和产品之前,仔细阅读本隐私政策以了解我们的数据处理方式。若您对个人信息和个人数据的使用有任何疑虑,可考虑不使用本网站。

使用我们的网站即表示您已书面同意我们存储您的个人信息和个人数据。然而,您的个人信息和个人数据不会被共享或出售给任何第三方,除非适用的法律和法规要求我们这样做。此隐私政策可不时被更改,例如为了遵守法律规定或满足不断变化的业务需求。

免责声明

所有收集的个人信息和个人数据均可在我们的网站上找到,并且已经由 Sathapana 银行或我们的商业伙伴或第三方进行了调查和检查。
尽管如此,Sathapana 银行或我们的商业伙伴或第三方并不声明或保证所收集的任何信息的准确性、充分性、完整性和最新性。

隐私政策的范围

如上所述,在我们的网站上或通过您与我们的互动收集的所有个人信息和个人数据可用于以下目的:

  • 提供 Sathapana 银行的服务和产品,包括其网站
  • 订阅 Sathapana 银行的服务和产品
  • 招聘和 Sathapana 学院
  • 您有具体要求和关注的情况下回复您的咨询和反馈
  • 进行市场调查和广告
  • 发送商业评估、通讯、时事通讯和其他客户通讯,如调查
  • 管理与供应商和客户的合同和关系
  • 我们网站 IP 地址、Cookies、网络加速、数据安全、用于报告和统计的数据匿名化,以及用于客户保留的操作
  • 改进和维护我们的网站和基础设施
  • 分析、开发、改进和优化我们网站以及服务和产品的使用、功能和性能
  • 遵守合规义务、任何适用的法律和法规,或协助相关当局进行执法和调查,和/或满足我们的业务需求。
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您的权益

Sathapana 银行不会将您的个人信息和个人数据保留超过必要的时间,完成所需之后您的个人信息和个人数据将被删除,除非适用法律法规有另外的要求。

您有权要求我们根据适用法律法规访问、更正、限制、接收副本,甚至删除您的个人数据。同时,若您的个人资料和个人信息不正确或不完整,您可随时请求更新您自己的隐私信息,审查并更新您的个人数据和个人信息。在某些情况下,您有权请求我们删除或限制您的信息,但我们有权继续保留或继续处理您的信息,或拒绝您的请求。

若您对我们遵守本隐私政策有任何其他问题或投诉,请亲临您最近的银行分行、或通过我们的客户服务热线 (+855 (0) 23 999 010 /81 999 010 或电子邮件 customercare@sathapana.com.kh) 与我们联系。我们将根据本隐私政策和遵守适用法律的规定,调查并尝试解决有关使用和泄露个人信息和个人数据的查询和/或投诉。

数据安全

我们致力于保护您的个人信息和个人数据免遭意外或非法破坏、意外丢失、更改以及未经授权的披露或访问。我们监控和记录数据交换,以维护我们基础设施和信息/数据的机密性、完整性和可用性。此外,在发现可疑活动的情况下,Sathapana 银行可能会收集更多数据(包括个人数据),以便开启动和管理自己的调查。

所收集的任何个人信息和个人数据都将用于履行与 Sathapana 银行产品和服务相关的义务,并且可与代理人、第三方服务提供商和相关机构共享。Sathapana 银行和任何获授权访问您的信息或代表我们进行任何工作的第三方/代理人,都应遵守适当的合规标准,通过应用适当的安全保护机制来保护所有数据。

数据采集
我们希望您了解我们收集的不同类型信息,以便您可以明智地选择提供给我们的信息。与已确认身份的个人相关的任何信息都被视为个人数据,当您使用我们的服务或产品时,我们可能会收集这些数据:
1. 个人信息,例如姓名、地址和出生日期;有关税务、保险和就业的信息;
2. 您与我们的互动涉及的财务和银行信息,包括照片、生物特征数据;
在您的许可下从您的移动设备获取的信息(例如联系人、日历、连接状态、相机、外部存储访问和位置信息)。
3. 您同意授予萨塔帕纳银行在收集个人信息方面的自主权,并能够根据萨塔帕纳银行的隐私政策与萨塔帕纳银行的商业合作伙伴共享信息。萨塔帕纳银行和我们的商业合作伙伴将尽最大努力以合法方式和目的保护收集到的信息,并将用于但不限于分析、读取联系人、读取日历、互联网访问、相机、位置访问等,以为您提供最佳的产品和服务。

使用条款

本网站由 Sathapana 银行创建,并在www.sathapana.com.kh域名下运行。您有义务遵守本网站的使用条款和隐私政策。

在使用本网站时,您确认并同意,Sathapana 银行的网站可能包含由第三方运营和控制的链接,并且您同意将对此类第三方网站可能导致的任何损坏、意外丢失、更改和未经授权的访问承担责任。所有在第三方网站上提供销售和关于商品或服务的声明均由该第三方网站负责

知识产权:本网站上的所有版权均归 Sathapana 银行所有或授权,您无权以任何形式复制、再版、分发、调整或更改其中全部或部分信息。

可分割性:本网站所包含的任何条款的无效性、非法性或不可执行性,将不影响其余条款的有效性、合法性和可执行性。

Cookies: Cookies 是小块的信息片段,由您的浏览器存储或共享于您的手机或电脑硬盘或浏览器内存中。我们在我们的网站上使用 cookies 以确保您在我们的网站上获得最佳又最安全的体验,并为您提供量身定做的产品和服务信息。
Sathapana 银行在其网站上使用 cookie 或类似技术来收集在线信息,例如您的移动设备 ID、IP 地址和有关您设备的其他信息,以及您在我们网站上使用设备的行为数据。

BFIs Code of Conduct
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