CEO’s Message 2011:


Lee Yong Man

Cam Capital commended operations in February 2010 and has since successfully completed its first full year of operations in 2011. During the year, I am pleased to report that Cam Capital built a solid loan book of US$11.1 million form a total asset base of US$12 million. Accordingly we have recorded a substantial jump in net profits to US$230,000 for FY 2011 even though the business environment was highly competitive. Our percentage of Non-performing Loan (NPL), which includes overdue loans longer than 30 days, is a modest 1% as of 31 December 2011, and represents an improvement from 1.25% s at December 2010.

            I confidently attribute the successful factors of Cam Capital to the hard working staff, fast loan processing and quick decision making but concurrently with diligent and close follow up of problem loans. In addition to these aforementioned key factors, I can positively attribute the strong and timely support and continued commitment from shareholders to our business through increase of the shareholder’s loan to US$20 million from US$10 million.

          I am also very proud to report that in spite of our short history, Cam Capital has quickly opened its second branch, namely Phsar Doem Thov Branch, in one of the busiest streets in the city. Our company’s name of Cam Capital and CamCap together with our logo have also been registered as trade mark with the relevant government agency.

          During the year, Cam Capital has increased its capital to US$1.5 million from US$1 million. Cam Capital continued to grow in a steady and conservative manner, carefully balancing risks against profits and liquidity, and serving the community.

Cam Capital acknowledges that for its business qualified, dedicated and committed staff is one of key factors. In this context we have conducted 7 times in house trainings, mostly for loan products to continuously update and improve the knowledge base of our staff. Furthermore to motivate the staff, we have skill development programs and training such as:

  • Oversea workshop in Singapore in May 2011. All 33 staff members attended it.
  • One workshop in Sihanouk Ville with attendance of 22 staff members
  • 7 times in-house trainings for all staff
  • 8 staff members attended external trainings
  • 202 times in-house English language classes have been held last year
  • Total 7 Managers have attended external English language class
  • Cam Capital Football Club was established and the club has had 16 games with teams of MFIs and corporations since its establishment in 2011 until May this year.
  • The office space of Head Office has been expanded for a better work space.
  • New Year Family Party at Imperial Garden Villa & Hotel. All 159 family members of Cam Capital celebrated.

            In line with the growing business size, one additional Director has been appointed by the shareholders and to strengthen its corporate governance, the Audit Committee has been established.

            We have an ambitious target to achieve a minimum US$20 million loan portfolio with the NPL percentage not exceeding 1.0% in 2012 in spite of the ever growing competitive business pressures arising from the entry of new banks and MFIs to the market. However, with the continued support and commitment of the staff and our shareholders, I am confident Cam Capital can achieve our business targets.

            On behalf of staff and management of Cam Capital, I would like to extend my sincere thanks to our Board of Directors for their invaluable advice and support. I also acknowledge and commend our staff and management for their dedication, teamwork and contribution throughout 2011. My gratitude is also extended to the shareholders, loyal client, communities and regulating authorities for their continued support and confidence in Cam Capital.

Sincerely yours,

Lee Yong Man, CEO


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