About Us

About Sathapana

Board of Directors

Executive Members

Annual Report

Financial Report

CSR

Awards and Recognitions

BFIs Code of Conduct

SATHAPANA Bank Plc.’s ultimate parent company is MARUHAN Corporation of Japan, founded in May 1957 by present Chairman Dr. Han Chang-Woo, and is today the leading entertainment conglomerate in Japan. In the mid-2000s, Chairman Dr. Han Chang-Woo was visiting the various countries in the Southeast Asia region to explore new business potentials and opportunities as well as with a vision to assist a country, its economy and its people to prosper. Dr. Han Chang-Woo experienced the days Japan was growing in the 1950s till today. He met with top government and business leaders for advice and consultation. Chairman Dr. Han Chang-Woo was particularly interested in Cambodia, he felt that the country had a great potential after experiencing very difficult times during the civil war. He came to a conclusion that to build a commercial bank with a Japanese hospitality touch will assist and contribute to Cambodia’s prosperity.

As such, Chairman Dr. Han Chang-Woo established MARUHAN Japan Bank Plc. in May 2008, it was the first Japanese-owned commercial bank in Cambodia, aiming to contribute to the development and growth of Cambodia through providing various kinds of banking services and investment from Japan. His philosophy was to support the Cambodian people who make their best effort to contribute in developing the Cambodian economy with the spirit of challenges without being complacent or satisfaction about existing circumstances. To strongly commit to assisting the people of Cambodia, MARUHAN Japan Bank Plc. was also the first commercial bank to offer unsecured loans to microfinance institutions.

An opportunity arose in December 2012, MARUHAN Japan Bank Plc. was able to acquire SATHAPANA Limited, a leading microfinance institution in Cambodia. SATHAPANA Limited was originally established as a non-government organization (NGO) in 1995, and at the time of acquisition, it had become a deposit-taking microfinance institution providing funds to the low income people throughout the country with a strong contribution track record in Cambodia’s economic development and growth with its more than 140 branches and point-of-services offices in all provinces.

MARUHAN Japan Bank Plc. was focusing on providing commercial banking products and services, aiming at expanding its operation nationwide. Meanwhile, SATHAPANA Limited was offering micro financial products and services to the grass roots of the people nationwide, and aiming at becoming a full service commercial bank. Chairman Dr. Han Chang-Woo thought over the situation, he saw the similar and mutual objectives, and the strong potential to complement each other. His conclusion, was to merge MARUHAN Japan Bank Plc. and SATHAPANA Limited.

As there was no history of a merger of financial institutions in Cambodia, and after numerous consultation with the National Bank of Cambodia and other governmental regulatory bodies, SATHAPANA Bank Plc. was established in April 2016 with a paid-up capital of USD120 million, starting with 160 branches, 73 ATMs and 3,458 staff. The newly merged commercial bank was formed to provide reliable banking services as the “People’s Bank” in Cambodia, and to empower entrepreneurs and to generate employments in order to improve their business and living standards through access to financial services in a sustainable manner.

Chairman Dr. Han Chang-Woo’s directions are clear, “We will continue to raise customer satisfaction levels and expand our business with an innovative, pioneering spirit. We aim to be the leading commercial bank in Cambodia”.

Vision

To be the most trusted leading bank in Cambodia that provides the best full banking services throughout the country.

Mission

To improve people’s businesses and lives by providing the best full banking services with advanced technology throughout the country, while contributing to the sustainable development of Cambodia.

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.

DR. HAN CHANG-WOO

Chairman of the Board

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.

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.

MR. YOSHIKI KAWAHARA

Director

Mr. Yoshiki Kawahara has over 30 years’ banking business experience since he started his career in 1990 at Sumitomo Mitsui Banking Corporation (SMBC) in Japan.
He has track record of leadership and expertise in various roles, including Department Head of Tokyo Public Affairs Department, Service Department Manager, and Branch Manager. Recognized for exceptional performance, compliance, risk management and internal audit.

He joined Maruhan Corporation in November 2023, the shareholder of Sathapana Bank Plc. and currently serves as Audit Department General Manager of Financial Company. Mr. Kawahara obtained a Bachelor of Law degree from The University of Tokyo (Japan) in 1990 and The Certified Internal Auditor certification in 2023.

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.

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.

H.E. KIM VADA

Independent Director

Acting Chief Executive Officer

MR. IWASA TOMOYUKI

Acting Chief Executive Officer

Mr. IWASA Tomoyuki is currently the Acting CEO of Sathapana Bank. He 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.

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.

Deputy Chief Executive Officer

MR. DAVID RICHARD THOMAS

Deputy Chief Executive Officer

Mr. Thomas has over 30 years of experience in Asia Pacific. Before joining Sathapana Bank, he served as the Group Chief Risk Officer for China Development Financial Group (Taiwan). Prior to that assignment, he was the Group Chief Risk Officer of CIMB Group, the Chief Risk Officer - Asia Pacific for the Royal Bank of Scotland and the Chief Credit Officer - Asia Pacific for Bank of America. He has served as a board member of KGI Bank (Taiwan) as well as PT Bank CIMB Niaga Tbk. He has held various senior level risk positions based in Singapore, Hong Kong, Thailand, Taiwan and Malaysia. Mr. Thomas was awarded the 2018 Asian Banker Risk Officer of the Year award.

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.

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.

Chief Officer

MS. JENNIFER LEE

Chief Operating Officer

Ms. Jennifer LEE Cheau Lin, Chief Operating Officer of Sathapana Bank Plc., has always been a digital geek at heart since her first exposure to a digital project in 1993. For 30 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.

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.

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.

MR. SVOEUY PONNAKRATH

Chief Financial Officer

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.

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.

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.

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.

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.

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 the 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.

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.

Sathapana Bank Annual Report 2022

Sathapana Bank Annual Report 2021

Sathapana Bank Annual Report 2020

Sathapana Bank Annual Report 2019

Sathapana Bank Annual Report 2018

Sathapana Bank Annual Report 2017

Sathapana Bank Annual Report 2016

Sathapana Bank Annual Report 2015

MARUHAN Japan Bank Annual Report 2015

Sathapana Bank Annual Report 2014

MARUHAN Japan Bank Annual Report 2014

Audited Financial Statements

Audited Financial Statements (Before Merger)

Sathapana Bank's CSR philosophy and practices involve taking actions that positively impact the community, environment, and society as a whole.

One of the key aspects of our CSR philosophy is community development. This involves supporting local organizations and initiatives that are working to promote economic development in the communities we serve. Examples include investing in small businesses and supporting local housing initiatives.

Sustainability is another key area of our CSR focus. This includes implementing sustainable business practices—such as reducing energy consumption and waste, and supporting local conservation efforts.
We believe that by playing our part in being good corporate citizens, we can help to improve the well-being of the communities we serve and make a positive impact in the world around us.

PCI Data Security Standard Certificate 2022

PCI PIN Security Standard Certificate 2022

PCI Data Security Standard Certificate 2023

Sathapana Bank Plc.’s Privacy Policy

Introduction

Sathapana Bank Plc.’s Privacy Policy (also referred to as the “Privacy Policy”) provides information on the collection, disclosure, use, and sharing (collectively referred to “Processing” or “Process” as of personal information by Sathapana Bank Plc. and its affiliates (“Sathapana Bank”, “We” or “us”) in connection with your use of Sathapana Bank website, mobile applications, and social media pages that link to this Privacy Policy under Applicable Laws. This Privacy Policy also explain the privacy rights which you have in relation to these processing activities.

As used in this Privacy Policy, personal information and personal data means that information, whether true or not , that related to the identified individuals and entities. For the minimum information shall be included without limitation to the name of companies and incorporate documents or your name, address, gender, date of birth, ID Card, family book, passport, email address, occupation, business contact details, phone number, or information gathered through your interactions with us via our website or at events. Personal Information and Personal Data is also referred to as “Information about you”.

We invite you to carefully read this Privacy Policy to understand our data processing practices before subscribing and/or usage of Sathapana Bank services and products. If you have any concern in usage of your personal information and personal data, you may consider not to use this website.

By using our website, you have provided in written consent for us to store your personal information and personal data. However, your information will not be shared or sold to any third party, unless we are required to do so by applicable laws and regulations. The Privacy Policy can change from time to time, for example to comply with legal requirements or meet changing business needs.

Disclaimer

All collected personal information and personal data may be found on our website, and it has been investigated and checked by Sathapana Bank or our business partners or third parties. Although, Sathapana Bank or our business partners or third parties do not represent or warrant for the accuracy, adequacy, completeness, and most up-to-date of any information collected.

Scope of Privacy Policy

All personal information and personal data collected on our website or through the interactions with you have with us as seen above, for the following purpose as below:

Provision of Sathapana Bank services and products, including its website
Subscribing Sathapana Bank services and products
Recruitment and Sathapana Academy
Response to your queries and feedback in case you have specific requests and concerns
Conduct marketing research and advertisement.
Sending commercial evaluation, communications, newsletters, and other customer communications like surveys
Management of contracts and relationship with our suppliers and customers.
Operation of our website (IP address, Cookies, web acceleration, data security, data anonymization for reporting and statistics, and for customer retention.
Improvement and preservation of our website and infrastructures.
Analyze, develop, improve, and optimize the use, function and performance of our website and services and products.
Comply with compliance obligations, any applicable laws and regulations, or assist in law for enforcement and investigation conducted by relevant authorities, and/or for operating our business needs.

Your Rights

Your personal information and personal data will not be kept by Sathapana Bank for longer than necessary, after that personal information and personal data will be deleted, except for any requirement by applicable laws and regulations.

You have the right to request us to access, correct, restrict, receive a copy, and even erase your own personal data in accordance with applicable laws and regulations. As well as you can request for update your own privacy information, review, and update your personal data and personal information at any time, if it is incorrect or incomplete. In some situation, you have the right to demand us to delete, or restrict your information, but we are entitled to continue to keep or continue processing your information, or to refuse your request.

If you have any other question or any complaint regarding our compliance with this Privacy Policy, please kindly contact us through Call Center ( +855 (0) 23 999 010 / 81 999 010 and Email: customercare@sathapana.com.kh) or nearest branches. We will investigate and attempt to resolve inquires and/or complaints regarding use and disclosure of personal information and personal data in accordance with this Privacy Policy and in accordance with applicable laws.

Data Security

We are committed to protect your personal information and personal data against accidental or unlawful destruction, accidental loss, alteration, and unauthorized disclosure or access. We monitor and record the data exchange in order to preserve the confidentiality, integrity, and availability of our infrastructure and information/dada. In addition, in case of suspicious activity, Sathapana Bank may collect data (including personal data) from various sources in order to start and manage its own investigation.

Any of personal information and personal data collected shall be used for performing obligation in connection with Sathapana Bank products and services, and it can be shared by with agent, third party service provider, and relevant authorities. Sathapana Bank and any authorized third party/agent who can access to your information or carry out any work on our behalf shall comply with appropriate compliance standards to protect any information by applying appropriate security protection mechanisms for all data.

Data Collection
We want you to be aware of the different sorts of information we gather so you may choose wisely what information to provide us. Any information relating to an identified individual is considered personal data, and we may collect this data when you use our services or products:
1.   Personal information, such as name, address, and date of birth Information on taxes, insurance, and employment
2.   Your financial and banking information about your interactions with us, including photographs, biometric data,
3.   Information from your mobile device that was obtained with your permission (such as contact, calendar, connection status, camera, external storage access, and location information)
You agree to give Sathapana Bank the discretion in collecting personal information and be able to share to Sathapana Bank's business partners, following Sathapana Bank Privacy Policy. Sathapana Bank and our business partners will, with our best effort, in legal manner and purpose, secure the information collected and use for, but not limited to, analyzing, reading contact, reading calendar, internet access, camera, location access etc. to provide the best product and service to you.

Term of Use

This website is found by Sathapana Bank, and it is operated under domain name www.sathapana.com.kh. You shall obligate to respect the terms of use and Privacy Policy in this website.

During use of this website, you acknowledge and agree that Sathapana Bank website may contain link to another website that operated and controlled by third parties, and you agree that will be responsible for any damage, accidental lose, alteration and unauthorized access, in which may be incurred from such third-party website. All offers to sell and statements relating goods or services available on third party website are the responsibility of and giving by such third-party website.

Intellectual property: all copyright on this website is owned or licensed by Sathapana Bank, you are not entitled to reproduce, republish, distribute, or adjust or change of any of information in whole or in part, in any form whatsoever.

Severability: the invalidity, illegality, or unenforceability of any term contained in this website, will not be affected the remaining terms that are valid, legal, and enforceable.

Cookies: cookies are small pieces of information that are stored or shared by your browser on mobile phone or computer’s hard drive or in your browser memory. We use cookies on our website to ensure the best possible and secure experience on our website, and to provide you with tailored information on products and services. Sathapana Bank use cookies or similar technologies on its website to collect online information such as your mobile device ID, IP address, and other information about your device, as well as behavioral data of your device usage on our website.