klnlavuvbn uvqrffrjvtm rjvqrquata...2015. in 2016, bcel was audited by 3 external entities,...
TRANSCRIPT
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ranfi ol, q:16r: Urlfir, r.fial iuurvq3, :.ltnsulclcJl6!, aUU aro. b tJ.u: zg2s, tmav*u: (856-21) 213200-1,222495,2179o4,2ra9a-9fiUn: (8s6-21) 21s2oz,2z3o1z, zesz+s. Website: http://www.bcel.com.la, E-mail: [email protected], SWIFT Code: COEBLALA
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olavneldrarallu{fffl nnna Uvir8 zoro
AgendaoftheAnnua|Genera|MeetingofBCEL'sShareholdersfortheYear2016zalo+lzotz
cravti t: arulrunrurJvffUo.uvfineluvaufrlr'lrurLr (cenvarufinffn r)
Agendal:Reportontheimp|ementationoftheresolutionsofthepreviousMeeting
(Attachment t
nslUvqlfi 1urltfi tfi uff cUutenvuJruBuselUrLurrntlSc{rL:
TheoreviousShareho|ders'Meetingapprovedthefo||owingmatters:
- Busol8urlfircfiu4avffn ccav 6rlaucilUlfil$u rnnna rJv6l8 zots'
Approved the business results and dividend for the year 2015
- Euselntlttl8l$rl nnna 3cn oe dv6t oo cffeufiruE zots 6rlcu zrs ffu/fu'
Approvedthe2nddividendforthe|ast6monthsofyearzorsinamountof2lgLAK
oer share.
- Euseltct:lnrr:dv'ir8 2016 Psl nnna'
Approve the Plan for the Year 2016
- Buselnrl[ll8lrJv'irE zore cLltL 1 ]cn mlrlncnseuuJluuan (urnmvqtlata)'
Approve the single payment of dividend for the year 2016 as per audit report (ln
accordance with the Lao Accounting Standard)'
- Eusell5Hoc6laerLEJ3arcirfin cl]l{ncossurJv'ir8 eolo eel nnma'
Approved the appointment of Ernst and Young Lao Co'' Ltd as the auditor of BCEL
for the Year 2016'
fifiunrlEuseluuu'mr35?unelrJvaufilr,:ruur rnnna f,tflr.l"fiunntuntlBuselfilntc.
With regards to the resolutions reached in the previous meeting' BCEL has
implemented accordinglY.
aravri z: aruJlusruJlunlufrrcfillueel nncra ?lE zom tourni
Agenda z: Brief report on the performance of BCEL tor the year 2016
- ?u0 zoro eJ1!lr1 nnna tfi6nneldvalriurnorL8unrlirrffuqavffnee3 nnma fiaav8u
o, fi1 u", 6nneSdvqlavurri5mll'iruau o+ fr1.
In zoro, BCEL held + internal meetings to review the business performance of
the entire BCEL network, and + meetings of the Board of Directors'
- tfi*rc5nnrlfirLnSraJnSrrL KPI aolxrJ0inruirinlrr-r?mu, KPI 5nctnn8lnruiltirjlru
ee1 arerficav0u rlvSulJU3qt?lJEunsufinuv!ttuansl fllavrinael ccav arlrn?rir5u
tJvfi ln?utcrrrn ll zo'tz. tterrf'yil:u, U1lfi an1fi 1nvuvfr lnititugl Job description aav
KPI uvirnllfiloln PeJ nnna.
Comp|eteddeve|opmentofKPIfortheoperationCenterofHeadoffice.TheKP|
for Branches is now under programming and expected for trial and implementation
in Ouarter I oI 2c.'17. A committee is also established for updating the job description
and KPI for all BCEL's employees.
irrinnrucauHlurscufiu0sHnri8nar E&Y ?unlldvc.fiuaclnll?ulnlnrl Basel ll
ircfi !nrrlfi ncieniiHofi Enar?rLlnlnrlcfi r-rrfr l?rfr rnncra'
Executed the contracts with E&Y to conduct the Basel ll diagnostic project and
se|ectedtheconsultingfirmsforhand|ingtherecapita|izationofBCEL'
- *rc5nfinnvlruv50nvfil BCEL i-Bank version s aav BCEL One version e.
comp|etedthedeve|opmentofBCELi-BankversionsandBCELoneversiong.
- *rcintoufilnrlnrufinrnvlrav0uqtavavsr3eslatu eslUnceficSrL BCEL-UnionPay
cfie?6arurnfib0laolatunrlBlala urrt website eslnl!B!nlctfi'
Basica||ycomp|etedthedeve|opmentonon|inesett|ementforBCEL-UnionPay
cards enabling the purchase of Lao Airlines' tickets via its website'
- cEn05nrur,:vf,nnvfiu &u Smart VAT rffgarionvutuatc-ttn am1ff r (a136u-uuelnru).
lntroducedtheproductca||edSmartVATattheLao-ThaiFriendshipBridge.
(Vientiane - Nongkhai)
- ffunirituqlloonclutllcJtn, cil{avquciluro ccav av4uciutnat ?uavDu oz 61'
Adjustedtheinterestratesfordeposits,andfortheloansinTHBandUSDforz
trmes.
*rcinnrrcflrHuulnl!41avRvF1Javuall nnna ctav RvuvnsuRutes gU 6!'
Executed the settlement contract between BCEL and a rural credit coooerative in
China.
?uE zoro rnnna tfiEunrrnonRsu?rnuJluuen os uJrnHa!cEu: rlSHnnonaguu,lu!9n
E&Y ncnaeuqlrvnrrcju nnma LJv'A1E 2015 rrav dv6rE eoro, ncnf,eualnfrrl{J.Jnel
nu!1n1lnavnn nma ccav I'rnllJncoagutcmlan uncnRgunllJvnllt11J nnma uvalu
2015.
In 2016, BCEL was audited by 3 external entities, including E&Y Lao auditing
financial statements for the year zors and for the year 2oi6, Commercial Bank
Supervision Department of Bank of the Lao PDR, and the State Audit Authority
auditing the financial statement for the year eots.
nnna tfiavmulumluilll0Snlurff?fiO5nrrlccnHrffr..rtf,6rrau o+ uirou0Snruff: uircu
0Snrrqrir R1e1fi1!c!, uiLcuSSnrlciesUrnccul arergffutq, uirau0Snrl ffu01aertq
RJJUU rCAv ruOUUAnllUn 07 !vng).JUAICJIAU nPlnuFlun]lrj tUU.
BCEL has extended a more service unites including Khounkham service unit under
Khammoun Province Branch, Parkbeng Service Unit under Oudomxay Province
Branch, Xaysomboun full service unit and KMz Service Unit in Vientiane Capital
under Head Office.
cravri s: fiera:ur, 6uselc6r8unrudtcffur1a:ffn ccav tenraluarulrunruciu rJv'itD zoro
Agenda s: Consider and approve the business results and Financial Statements for the
year 2016
SrnrrnrriirrnaviindviniJ zoto- A6
SUE9lAlnFvU'1Uam1! UlflnA tqlrJ:
tfi6unrrlnaoaeuorn rlSHncSraer.rUlata6rin,
(envarufinfrn e)
- - .3- 6 .6- usn2uftu/urRJJ: 32.238.79 nnAlnu
- usnrjuclrnfilrfin: 2o,1aa. zr frnorfiu.,a-
- n1lan9!91nsu: 217.27 mnclnu,
-frrtarilernsl: toz.ge frnorfiu, (etnoul'rttaz+%)
Business results for the year 2016 as audited by Ernst and Young Lao Co., Ltd
and approved by BCEL's Board of Directors are as follows:
(Attachment 2)
- Assets/liabilities: 32,238.7s billion LAK
- Loans: 19,24o.o7 billion LAK
- Deposits: 2alaa.71 billion LAK
. Profit before tax: ztz.zz billion LAK,
. Profit after tax: toz.ge billion LAK, (profit tax 24%)
cravfi +: fieracur aav BuselcjlUlfilrJv'ir0 zoro
Agenda +: Consider and approve the dividend for the year 2016
avcrfi.irucjrilutsr?fifffff u6tuo:tfi10!n: as.ss finarffu, 6ruoutjlfilnraccrlltfirin
ornerrirta?l14avffn, *r1fi1nrl3nrlavu;unturtia, nrrl'irutiuUuEltrirfru or+ ffu/frL.
nrr.brucjrlJrlBuavtirJvffUo?fi*rtinqlurru?rl s 5rinqvnrrlrilarnnslr.lvgrLfilfr.
Request for the approval on the dividend payment total amount of 83.ss billion
LAK. This amount of money is net off business taxes, and regulatory reserves. The
dividend payment is ot+ LAl(share.
Dividend payment shall complete within s working days after this meeting.
oravfi s: fiT ravu ccav Euse1c€rctounruE zotz (cenvaruinffn s)
Agenda s: Consider and approve the plan for the year 2017 (Attachment 3)
avcrffne3rJvqu fiatav!r Suse3aountlritcfiulu, ar,:uqravfrn rJv6t0 zorz: n3u?a
nrurJvffirnhE zoro: ueo{u*rL cfi.tlEr: ro%, uenciuctrncfiuEl: s%, uentil{cfruEu:
o%, firtaneuetnur, "uo
frffu.
rcctuBuruvinltr?uir Uvnsu?oi rnnna ffcav0u 6rucl go ffu, aulnruevmuru nrrrii
r3iSnrucffuEu r arar ?uuvnsu4a1o316l aav rr uilou|Snru turiorJvtrnn, nru:3r?{fi1
cfredvneuinqcfinin fr*r$elccLll fi1uin: roz $norffu.
Request for the approval on the activities plan and business targets for theyear 2o-t7 in comparison with actual figures in zoro: Assets royo increase, Deposits
57o increase, Loans 67o growth, and Profit before tax 2so billion LAK.
Staff recruitment in total of so employees; open r more Branch in Vientiane
Capital and rr Service Units countrywide. Fund utilization for procurement andmaintenance in total amount of 167 billion LAK.
oracfi o: fieravur8uselnruccu3cir.rllu8ueel rnnna ?uE zo17 $ar Dqtu r fiya.
Agenda o: Consider and approve the dividend payment in the year 2017 and the years after
1 paymenvyear.
€1nru0ns5u?rEelru.ur cdrarnruUuBr.l e fi 3ciE"0ncrlm{1urn?urlir!ncjuitlOlriRltrmnf,l8l. cfiecilrlnr!EnarBldvtuuneel{ff$l ccav cfie?fiavurrlinl!peJ nnna
.fiAqrffuffar?unrrfrrilncjuUlfiu 6lcrilnarLavcuinsldvqlfiaravlrBusel?fi rnncra
ccu3cjuUrfiu?lE 2c.17 ccaz Ddrftr-r I fi1dr8 {lRrrcin8rJnonasurlllynrucjlrJv6r8 ccav
Euse3tnuneltlvar6fi grL.
The past experiences show that z dividend paymenVyear create difficulty in
determining the dividend properly. In order to ensure benefits of the shareholders
and to equip the BCEL's Board of Directors with complete information in
determining the dividends, therefore the Meeting is kindly requested to consider
and approve that BCEL to pay dividend in the year zo'rz and the years after one
paymenVyear following the audit completion of the annual financial statement and
approval of the shareholders' meeting.
,3-oravrl z: [iera:u ra: 8use116rnlLcccr1fi3{nanaeu rnnna iriuD zorz.
Agenda z: Consider and approve the appointment of BCEL's auditor for the yeat 2o1z
oX-iilmruruffrnir, R.uut;ucjeutenlJS rray aln1, nnna tfitienc9rSf;Hoc$lcce:lEt1
alc tlin cUlfinanaouqrlvnrr.rcju rnnna Uv6rE 2017, ?u;!nl gg,ooo tnat (arnrcrir
fiuntuonseu?uE 2o1s, zore), ?uiuaau.finru ncnaeu mr.ur-rrnqrratffu rrav rl1nn1!
atc c"r-lrlu-rrararo-u.,1R151ff n, rff urnclqrlvnrucjrLUv6r o cffeu rcny Uv6rD.
In accordance with the research and comparison of the terms and pricing,
BCEL has selected Ernst and Young Lao Co., Ltd as the auditor of BCEL's financial
statement for the year eorz, with a fee of gs,ooo USD (the same amount as in 2o1s
and 2016). The audit reports include reporting under Lao Accounting standards anoInternational Financial Reporting standards in Lao and English for semi-annuarreview and annual auditing.
oravri e: fiqravur 6use3 auu:lonvarotauvuro mnna 2016-202o (cenvarufinffn +)
Agenda e: consider and approve the long-term strategic plan for the year 2oi6-2o2o(Attachment 4)
tnnna tfifrrlognrnvarn nrlfinrnvuruvurnrunrufirfirlrJvcrnnarc uvnrflu anD eoro-
zozo aviLu Elcfiefrr0nulnrffnnr3, nrnuuru ccav ccuunruinfiluvfiunaveJn. ?uirL, ifiqu?anrufinrnvurav0uSSurrglner, [luqJlav0u8f;mrlnal"rall?fir3ncrrrguaa1, 0n43
dvBnrffulrunrreircffu4avffn, ir1 ccav fiornvrrav0u6qr.r*raatrgimrrL, i1?{av0ucfintrta
f; ff.r3narlriravtfl r!av fi rlnar.rL{Soqrlavcurvfiuaelgnnvarneu?fi r:ncrlcrirrirSufiu
u.nnfrl iffsrffl.BCEL has formulated the BCEL's development strategy from zoro-zozo in order
to determine direction, targets and implementation plans in details. This incluoes
focusing on developing its corporate governance, improving a risk managment
system, raising an efficiency of business operation, building and developing of itsinformation technology system, applying a modernized technology system and
training its staff to be specialists in banking business at regional levels as well as
international levels.
unnysrnnt!finuy!lmvulnlunllfirntltJvcnoarc r:vmtfll anE eoro_zozo ayUu
fi1nra rJvneuJ o+ utn fr:
The BCEL's development strategy 2016-2c.20 incrudes four parts as foilows:
r. ulrnff | (RvriJluaoJ): firavruiavrurunrlfiatuaelcanqvffntan aav ulrnfirL, nrufinrnvur
canqvffo-F1ffueel FrJU alo rlelfilriravcuin;cfiuav0urnv:.Lrnrlh arjU arc ccav ilcinFvuJluacJpg1 nnna ccnE 2o-t1- 2o1s.
Part | (overview): Introducing the world and regional macroeconomic overview, the
socio-economic development of the Lao pDR. This also presents the Lao bankrng
sector and BCEL's overview from eorr-eors.
z. urnff Il (5cnrv swor): avanl?firrilnrr5rnrvulor3occe3, 3n$eu, tenrn rcav grJvHn rffir
?{cUufirqru?unrlfiriln aouqnnvarnnrufinnvlr rnnma anD 2c'16-2cl2c,.
Part ll (SWOT analysis): showing an analysis of its strengths, weaknesses,
opportunities and threats which is used as fundamental information to determine
BCEL's development strategy 201€.-2c.2c..
urrnfi lll (rrcJlsJornvffln nrufinuyur mnna ccnE zorc-zozo).. riravcrfi3nrJvR3, Starin,ox
uraviin, c0tuuru, qrunrrln aav i15ncff1 o6 qJnnyalonluf,nrnvuravcurrvfirrl ritJvneuJ:
Inrnvlrnru{lnelriSurru?ritfi ltnnvqrlatff rL
6r1av0u{uno3no1rJfrJJ crav rJvfiUnflnnru Basel ll
- frrlavOuE4u$enlui5n1u MIS (Management Information System)
nrufinnvrr aav flune3av0uteri
fi nnvlrnrrrlFnluunnYalngu
- fi nrnvrrnruOf, urrLnrrcjr ccay Uvf, nfi uruntueircfi r14avff n?66181
Part lll (BCEL's development strategy zota-zozo): Presenting objectives, visron,
missions, targets, core value and details of six specific strategies, including:
- Development of a management system that meets with international standards
- Creating a risk management system and implementing BASEL ll principles
- Creating a management information system (MlS)
- Development and management of an information technology
- Development of human resource management
- Developing a financial management system and improving in efficiency of business
operation
+. urnfi lV (unnvnrlinfrlUvff!n): avuurnmvnru*riu avulrSSnrl, nvuvriuvnrleelFvrur
tlSmru, nvuv6rrounr!, uJy(!!nr F! rray s1e1 ?lnrrLinftlrJvfi!n ccu?aEurJyfiurJyFnrffunuo - !, 6e v J ,t!n1!annJUvnunnlrJcrcJ!unnvRlnFvuunJnlc
Part lV (lmplementation measures): ldentifying measures to the board of directors,
committees to the Board of Directors, the Board of management, divisions, centers and
branches for implementing the strategy to ensure an efficiency of implementation of this
strategy plan.
olacm9: u"laJU15u5eJnt!?1fl1uFUr[JJUtUmnna.
Agenda s: Consider and approve the share issuance for BCEL's recapitalization
7
Elcrrrauunrrrfirriueol mnna 6rlcr soo ffffu, dvSUu nnna tfiSunrucfilffarnnvqcl
nrucjl aav qr*c.uqlnznvsrn (COFIBRED), ?r:il nnna fiUlfteltfioruilrufuirrmr:oi1?r.a-3a
nrucirjrdfu, aviu rnnna avcuinesUvqlEu6eJseJFUrruunrueenBuff: ?rfi€nQfffucffLL cravia !eluesn6lole! (RO & PO) Elfuiu, avcdirlo?if;nqfr+rcffu (RO) trHnaou z fr r fu.
c o- -Rounrunlunalnr n'runruna'r!olJ6u cray nluannruvnunda6r avcoiueu?6 avurrlSmru
cUrff.fiSnfinFu aac irci!nr!.
Regarding the recapitalization plan of BCEL in total amount of 360 billion LAK, as of
now BCEL has received the approval from the Ministry of Finance and the strategic
partner (COFIBRED). BCEL will have to issue more shares to recapitalize. Therefore,
BCEL request the meeting to approve 2 forms of issuance including Right Offering
(RO) and Public Offering (PO) with the RO subscription ratio of two (z) existing shares
per one (r) new share. For determination of price, number of issuance and
implementation, the Board of Directors shall be given the authority to decide and
implement.
oravrff ro: fi'eravurEuselnluc&J6nmtaoufuriiniliunrp:tnnsllJloffnsJilr'r 1o/o t(JrJ 2o/o
ccav 0nrSnSocrraounrufr$uaalpslnlJUvtnn 1o7o.
Agenda to: Consider and approve the increase of foreign ownership of 'to/o lo zo/o per
investor, and remove the toTo foreign ownership ceiling.
urfiluvqUlff, urnna tfi6uevry.[norninqvutufrfinvqclnrr.lclu ?fiUvneurfrucfrr seoX- ^*q q " r 3,rr. ! -!,- ,e.cinu. nnma f RRnrasnrs1tnunRlnl!nltJcJU tuJe99n"luuluFtJtuJrJtn!nJnlottao. av!!, ttlJg
a.a,--i(.tsacfiuavurunellrfrannrufr-arufru ttav tEn?6 onna R1J.J1n8!fc0ruuruntucfirLfiu nelUv?*
avurrlSmrutfifinilcfruffirravtuinelrJvqrfffff lar.!u rJv6rD zoro ?fifiatavlrEusolcOt
nrrcfruEnnraar$ufiinilfircrrluvrnoaln 'Ph ciJu el" fiinilrilunSaru ccav Ontf;nSnnt
scrnruff$rac.ueelclllrJvrnn ro%, rleufi1?riinSlrirueuffctttarlrnfi ccav ffne1$:.';
nnna tfiaruavrlcfiu z1o, ilni3firl tray e16uur1uh ccav crr3tlvcnoffnelfu nnna aclfiltfi8cffr eo%.
Currently, BCEL receives approval from the Government on the recapitalization in
total amount of eoo billion LAK. BCEL has selected the financial advisor to handle the
rssuance of recapitarization shares. Therefore, in order to improve share{radingliquidity and to succeed recapitalization targets, the Board of Directors has considereoto request the sharehorders' meeting for the year 2016 to approve the increase offoreign ownership of shares from the 1yo to zy" per investor, and removar of the io%foreign ownership ceiring. In addition, non-institutionar investors shail be ailowed tohold BCEL's shares not more than 270 per investor, and the totar hording by domesticand foreign investors shall not exceed eo%.
canv3lunnnn I
ilvnB!4a]oJlilr, 3y8' zal oal porc
lJcn
nsldvquslfiW{Sn nnna Uvdr0 2015
fi15urff 28t}4t2016
nblulvalar.Uu{fffu rnvltntllnrrirnrlUvcnnaro Lrvorir Uv6rD zors lfrtr.lislnor:nelrJvaJ) tdie&r-rhcoar r+:ro ll3 eelSrLri zalodzorc ffrielrtvqr?uuAl e Srin3runvmro
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Financial Target-2016-2020
2015 FY 2016 ttY 2017 FY 2018 FY2019
F'Y2020RoE 10% t3% 12% 13% 13% 140/o
RoA 0.51% 0.57% 0.59o/o 0.62% 0.62% 0.63%
Equity Rario 4.6% 4.1% 4.8o/o 4.56% 4.s1% 4.56%
Asset Growth 10o/o lSYo 11% 11% 14% r6%
Deposit Growh l- Sy" l6Yo 8% t0% 13o/o I5Yo
Loan Growth l30h 680 l2o/o 13Yo 13% I l1oh
Loan/Deposit Ratio 46Vo 660/0 699/o 70Yo 700/o 700
NPL 2.63y" 2.000A <3" <30h <3Yo < 30/".
CAR 6.890A 7.790h 7.8701o 7.95Y" 8.030h 8.llo
Tier 1 Capital R;io-- 5.03o/o 4,290 4.50Vo 4.7lyo 4.9lYo 5.l4yo
NIM l.8106 2.03Vo 2.270A 2.56Vo 2.880h 3.28o/o
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IenvF1ufi nff n/attachment s
?ureuffnProxy
i. Pruyrnl..... Huqrn.
l/ We.............. nationality
Province.....,.....
- ciluqfifles3rnvlrnrunrlfirrr3aUvcrnnara lvmrfrl,Being a shareholder of Banque Pour Le Commerce Exterieur Lao public,
- .0flfffi6rral ..... .............f rf 1crirfiu6rrara51riavi1nvm.n.ln53
?irUrfinrluiraslErzuvrir cfrerErd;al ccav i3nvcmlaslrcnuErulvc6rq?r.rnelrJvqr:alil{ff$l rJvirE eoro eslurvlrnrrnrrfirnrltJvcnnara uvurril riavinErfu !oa1 14:oo tr3 ae15l6 ze clar2017.
To be my/our proxy to attend and vote on mylour behalf in the Annual General Meeting of
Shareholders of the Banque Pour Le Commerce Exterieur Lao Public for year zoro which
will be held at 2:oo P.M ol 28 Altil 2017.
Erulvl6r evuurn?fiftnrluiri3nvccuuaslccmuiruLvr6rr.l?rLnetLivqrfiSi (rienc€rdlarnaelrnllcfrsnQri):
l/VVe authorize the proxy to vote on my/our behalf in the Meeting as follows (choose one
from the two following options)
r. tr ?ri{nr3drtiFnffaravrr rrav ilnvcculaSl?r.lrnn1!r-runrccuruEru.rvc6r ntL-.rrifin;arriu
S.r:nau; 6To grant the proxy to consider and vote in all agendas on myiour behalf as the proxy
may deem appropriate; or
z. n ?ri{nrpirSlnvccuaSlnrrnairftelnl!peJA1rr,6rfi1i 1fircf;enii, nv6lrc5sn 5lnvrlu rduff r! r)cfiuff ?::qrn5arav4lfr;:
To grant the proxy to vote as per my/our intention indicated in the followings (lf you
select this oplion, please choose to vote either approve or disapprove in every
aru3rr.rcfr e?r*rfi raellvff neSdvqlfr 1r,:rrr:r aav nruinfi 3rJvff Un
Report on the implementation of the resolulions of the previous
Meeting
rriuff/approve trrirrir-rff/disapprove
arnvfi z: a1ullllavtulunllircirlreeS nnna ?rLD zoto
Agenda e: Brief report on the performance for the year 2016
LJ rmrn/approve uuru!n/0rsapprove
oravri e: fiotavrt, EusslcOrfiurrfitrfirLI4a:frn rcav lenva1rLalu1rr.rnrr-rcil rJv'ir0 zore
Agenda s: Consider and approve the business results and financial Statements for
the year 2016
u cmuryapprove u urm!n/drsapprove
aravfi +: fiaravtt clav SuselcilUl8ldv6tE zoro
Agenda +: Consider and approve the dividend for the year 2016
agenoa):
cravri r:
Agenda 1:
alavn 6:
Agenda 6:
u rmuryapprove
Ll cut!ni approve
aravff s: &atav r ccav Euse3cOtcccllnru! eorz
Agenda s: Consider and approve the plan fot the year zo1z
LJUrm!Cy0rsapprove
uuru!cvorsapprove
Enravrr BusslnrrLctuScjlUr-r0uee3 rnflna 2017 crav EAoir r frlld
Consider and approve the dividend payment for the year 2017 and the
years after in one paymenVyear
u rn!o/approve uurulJcvorsapprove
&aravur ccav Buselc6rffnanaeuUuiuturLen itiu! zolz
Consider and approve the appointment of the auditor for year 2017
u cmrJn/approve u uru!ni orsapprove
atavri e: &oravlt Busel rtoltlnrnvRtntauvuta unna 2o16-2020
Agenda a: Consider and approve the long-term strategic plan for the year 2016-2020
u rmLn/approve uucm!n/orsapprove
alayu 9:
Agenda s:
fiaravur 3use3 nr16rui.rru$u cfilrir-r rnnna.
Consider and approve the share issuance for BCEL's recapitalization
u ruun/approve uurmurydrsapprove
arayfi ro:
Agenda ro:
nYtclJlJP9JelUyr!1.
fi oravur Euselnrl c6uSonraclf lriinilff :.rnrlrJvcrnnarL:rnff ns3
arn r% ctlr 2 1o ttaa 0ncf;nSonraalnr:.1ff6r:aclaelnt y)zcna -ro"/o.
Consider and approve the increase of foreign ownership of 1% to
2yolinvestor, and remove the ro% foreign ownership ceiling.
u rm!n/approve u urm!ryotsapprove
- 5 6!q, ic, -n1!alnytllljRJ]p9JqnuuLi.lanutulJeunlJJluiJ9uRnrl lurla1arlnfi9l ctay ucf.lJlrul!aJ
Any votes made by the proxy contradicting to this Proxy shall be considered as invalid and
shall not constitute mylour votes as the shareholder.
?r.lfravfifiirtrvrSr ritfiavqnarr-rfie3nrres1fil?lnrl51nvccus51?lcra;?nrfi1 fr avqiS rii-?vIa] ruTlolPluJVcalalnycr!!RJJrm!n.
ln case l/we have failed to specify my/our voting intention in any agenda or not clearly
specified, myiour vote in such agenda shall be deemed approved.
6. unnrrinyrhr?oeslrlnrluirgt?urelrJvqr ficitltdnrL.r?ursuFnfr ?iffarEruvc6rtfinvdrre3qnLJYnlu.
Any action made by the proxy in the meeting in accordance with this Proxy, shall be deemed
as having been performed by myself/ourselves in all respects.
-- I l^^.-
Wrote at............ date............../............../ 2017.
cfl u{ff f rrilrauuuru/signed by the shareholder
c{lrlnloivsigned by the proxy
u!lururc/Remark:
r. 6ffgr avfie1ccn1fi1{crr1u Iul3fin5ccEr*c.r:nslUva.u ccav ilnvccuaS3ccn:'-rfrlce1
Theshareho|derisrequiredtoassignon|yoneproxytoattendandVoteinthemeetingon the shareholder's behalf.
e. ?u.ueuFnsvluiavfieliltrJinrnvuSr.Jarlir*rln3rlmvuSlarlffdJavnaniriuyrtrLcfretfiEudv
irSuHnff nrnr1fi nulllu. nY!1n1! .fi Fodvfi tso?uL-reufi n?n1ff 0t66nrnvuJURltJ'
This Proxy must be certified by your most convenient court Notary office to ensure its
|egalVa|idity.BCELmayrejectanyProxiesorproxyauthorizationswithoutendorsement
of the Court NotarY Off ice.
s. {n1ulr fislsvccnlcenvaruesSffucslArLLvfinlurJv'irtnvAlrnvu'r.r fr: 8nr-lv6rffa.. r! Eu iruvttl
ffo $ d3sr,:rucrnl (ir5uInf;lfilnr1rJvcnn) fisuiu*TltcsnysrtJLJvtrunoScfirji ae1qfffl, ?u
ueuRoaviui, ff aY uil$rArlrJYar.J.
The proxy must present to the officers at registration desk his/her valid lD card, or family
bookorpassport(incaseofforeigninvesto0togetherWiththecopiesoftheSame'documentsoftheshareho|der,thisProxy,andtheInvitationtotheMeeting'
rsnvgl!finffn / Attachment o
avu;u:ir5unrucirtff lnelrJvqlarJut!fr {l unna
Rules for the Annual General Meeting of BCEL's Shareholders
1. n ru f,1uvu;u rr$a c6r * aun olrJvqu/Registration for aftending the meeting
r.r. {cErd;crneldvqL-rqrnffu fie351rnvu;l?risSu6eunrLrEuneui unma flrlolS
nerrEr*aualrJvar ccav fie3evryuro?fi nnna *1cil1tg1unrJv'irffcr! d1fft:tlccnl
rfi cenvaruSry fisrun?{rurutfi cfrec6rtJcUrLSnqru.
All attendees must complete registration in accordance with the procedures
specified by BCEL before attending the meeting and allow BCEL to photocopy
their lD cards or passports or other similar documents as evidence.
r.z. {ffqu r! {crrluirrfftiBurreuulllu fie3rirc0rrf,1$cc6lcfir-rrir*auneluvquff een
?ritnunvgrnrln{uara 1fificfre1uuruurtnn) urrc63dreu?lcaal51tnvu5l. fravfiffrll
?urc{lfincErsarnslUvqlccicfil ovfictntu53uvu5r.L0*rcin mav avS18u?figrfffl
fi {cn1otrrir3Hn51nvaurLa51, fi lrirrlru rI .Bircriufi rirlvq.u.
Shareholders or proxies must bring and present to the registration desk the
Invitation issued by the Lao Securities Exchange (containing bar code)' In
absence of such Invitation, the registration shall be deemed incomplete and
shall cause such shareholders or proxies to lose their right to vote, question or
make comments in the meeting.
r.s. finrloir fielsvanlcenvaruaelfflcesfrurvilnSrltJv'ittmv53nvu3l ff: UnUv'irfic
fi flu*ruvtrffc r! dl$ur:lccnl (*riuf,n5lfiunrlrJvcrnn) fieufiu itciltcenvatu
rJvcruoo;cfiufraeJ{ffF!, ?uueufinavUufi, aav dlScf;udvar. li1tenv311rcr!rffcitu
urarcrr3rJvcun aulovryurntfi avcrurvtgnvat!fi ciluurarSSff ncrilil.
The proxy must present to the officers at registration desk his/her valid lD
Card, or family book or passport (in case of foreign investor) together with the
cooies of the same documents of the shareholder, letter of Proxy, and the
Invitation to the Meeting. lf these documents are in foreign languages, only the
documents in English will be acceptable.
2. 63d;qulQuorum
2.1. neJrJvarrFrurnfircirLtfifrfrcJe.s$lricErsauneldvqrrllunc 1 Toyo 2e16\JaL)
$lri3ffi n nruff tfi frrilnt5?1ff navuSuae3ulv!1nt!n1!fi lclrldvtnnara lvmtfl u.
The Shareholders' Meeting can commence only if the number of the shares
attending the meeting accounts for more than zo/" of the total shares,
pursuant to the Articles of Association of Banque pour le Commerce Exterieur
Lao Public.
3. nrndrtfir.ln alilvqpl The proceedings
g.r. rnrudvmruavurSf,utlmnma avcUuUvnrlnracEn crav fLtutneIJvql.
The Chairman of BCEL's Board of Directorswill preside over and lead the
meeting.
3.2. ntudvntuavutirimrl cUlr!avcoiriciaelrcnavcrav 
e.s. tlcEr*auneltlvql fie38lna51traav5u r$ guvnelnrlfrarlqnilr3 aav Ef;3
a51fi35uncu mvgsntauvaelnr!6rcfiunelUvau.
All attendees must sWitch off the sound of their mobile phones or any
communication devices and must not make any disturbing noise throughout
the meeting.
u'larririr?q?uneldvq!/Language in the meeting
+.r urauff irr?4gl?uneJUvauctJ!tl,l1F1ala.
The language used in the meeting is Lao language.
t!jiiioSlavttuuflJJ/Persons eligible to vote
,_--!
s.r. !ccnriffSr fi qnrluilrffifiEuleuuurudJrlfinfiel E:tfiSlnvuJUcErd;arineldvqr
sSuBeuccSc cfi rfu riovrlfi nslnvtculrFJl.
only the shareholders or proxies who have duly registered to attend the meeting
are eligible to vote.
s.z. {ff$r rfi t}nr1uirrffSifif,lnvulrLcEr*arneluvqr ccav ficir*au$latEJf,n?urr
51nvcrua51.
Any shareholders or proxies who have not registered to attend the meeting and
other attendees will not be eligible to vote.
nrl51avttlu451/Voting
6.1. nv vUycnruelJvqu avtllu{avcrffcravrifielnrrL?riS3nvcculJFJJ tnuovcfilru;l
an{ff$u fi f nr3ofirritfiEur:euuuru rirru?orffScriufffiuuurrrffneldvq.utfirlravcfficrir
fiu51nvcclua51 cfienatuavnan?unruiunvccuuaSS (uuruncrucr qffftJt'lrlj?nficfilfffr
nrua:cdfi lnrc riri'irrcUlfi olilnvccula;f n3).
The Chairman of the meeting will propose the agendas that require voting, and
only the shareholders or proxies who Do NoT AGREE with the matters proposed
by the meeting are invited to vote so as to facilitate vote counting process
(meaning that for those who agree with such matters are not necessary to cast a
vote).
fi lHn 5 o e s1n ru51a v rtuu a;1/Effectiveness of voting
z.r. nruiSnvccuuaSlricfiufiav.BSuHnfin fr;1ciie.Dnvtru!s51urarunorcff1oi3ae16rrcu
su nnna uluun tunuvarJ.
The "Disapprove votes" will become effective only if such votes account for more
than half of the total number of BCEL shares attending the meeting.
z.z. 4nUn51nvarua31 "EcfirLfi" drarar?nuii1 fifiniil?findrql r!1ornffne1dvqu tfidv
nrnSunrrS3nvrtuaeSctariuccia, avff crcUlUnSlnvcruuaSlri?{0ifi .
Any and All "Disapprove votes" in any Agenda which are submitted to the Meeting
after the Meeting has already announced the voting result of such Agenda shall
be null and void.
n ru trdltlu ru 51 a vrrlu a;1/Notification of voting result
e.r. f;cErd;auneldvqu avt6Butr63nScfiufiunrlfiunvccrLrLi/?lfftlvqlcFu tnuntuiunv
rcu!sJJavrlcailu!JF! tnlnuuuJnvt[lJlJFJJ.
Attendees will be informed about the voting result forthwith in the meeting with
one share equals one vote.
9. nuavruiitirqu613/Other Questions
e.1. rJvmllnelrJvqu ovavctff?fififfqu fi fimluirrfftfiBuleuuurudhlffnfiel ifirqru fiavrnf rrrilff riuel(J?uatavee3n e11v2,u
?unerfirunelrJvqlurtu[1fiircinffur]cl4ncrava5c. *riur;tErsau54 ov0.BSna,
cuiitqru S .fidrrctnn?rfitlvq!, 0ntSuiavfirffuvrnruneldvau mtntiavctfi?ri{cirscl
fi lnrc dvneuir rcfi lfr rff rl ral.The chairman of the meeting will ask the shareholders or proxies to question or
make comments on the issues which are not included in the agenda of the
meeting after the meeting has completed its all agenda. other attendees are not
eligible to question or make any comments, unless the Chairman asks such
attendees to question or make comments in the meeting.
s.z. r$e.0ntuavcuiornrJvrnrune3rJvqlcticiu, *ffqu fi {nr3oirriuvf;1ev.fi 6rqru r[
avccnltircriufuirJvqlfies0niiEu rleufiSavccnlcfreSoutuntuff nnna firiln?ficfreavrcn1
crcruu{ffqu S fnrSoilrrfftfiBuueuourudlt3rtfiil. irfiffqu r! qtcrrluir rfftfiEulsuuuru
urrni,a"anlcfrelwrufilnrcccicfru tlvutuneSr..lvqu t! nvlv6tlaunlu ulnna fi nvrLvEu
SnqeunsltJvq.r..r .fifioavcfffinfirrLfrrqrl r! tlrcfilae3fin3c crav nelUvquavS'0iltl
nvttlnr!neufi tqruaeSrln1a?uiavilfi 3nra.
Having been asked by the Chairman, any shareholders or proxies desirous to
question or make comments in the meeting must raise their hands and show the
symbol as given by BCEL to confirm that they are truly shareholders or proxies.
Should the shareholders or proxies do not show such symbol' the Chairman or
BCEL Directors, or Committee in charge of the meeting may reject questions or
commentsmadebysuchshareholdersorproxies'andinthiscasethemeeting
shall not be obliged to answer the questions'
10. nturt6luvfiaelnelrJvqu/Notification of resolutions of the meeting
rurur!1*ulnnrufircfiuffu{cuqnclaY ffav n1!AlnYtclrusJlctic' tJvntuneit)Yz'ua!
r6ttnuui?fitlcit*cunelUvquBuqrun;cfiuuvfiaelnelrJvql'rJvnrunesdvquarlrn
avrff ?6nvuvnelraatcUufi cc61lvff fi lnrcrcnutfi '
Afterallagendaandvotinghavebeencomp|eted,theChairmanofthemeeting
wi|| notify the attendees of the brief reso|utions of the meeting. Alternative|y, the
Chairmanmayaskthesecretariattopresentthebriefreso|utionsofthemeeting.
[eny31!finfi n/ attachment 7
rirrruvf rn;afi urenvslu rrav rf nqruridolrjrurs veuiitrterErd;ognolrJvql
lnstruction about the documents and evidence to be presented prior to attending the meeting
cfienotJsvnon?!n1!SlttlvuJUf rErscunelU:qusrJufffffltlv6rE zoto ae3nvltntr-rnrlf,t
mrlrJvcnnaro rrvmle!, {ffgu fi qnr3uir fiovcarBauneldval nvqlrircgrdsscqluvqJ, ?u
tir*aueldvql (.Bavfinurtnn) rieen?ritnunvgrnrinfluarc ctav ?uL-reuf,n (*rSutpmt]uil)
ulleucenrsrufi arltn:ir?{il10lfi ucel mtucctavriavfi fi 1fi :
For convenience in registration process to attend the Annual General Meeting of
Shareholders for the Year zote of Banque Pour Le Commerce Exterieur Lao Public, the
shareholders or the proxies who will attend the Meeting are required to bring the
Invitation to the Meeting, the Letter for attending the meeting issued by the Lao Securities
Exchange (issued with barcode) and the Proxy (applicable for the proxy only) together
with the documents for proof of identity as indicated for each circumstance below:
r. qt6rSourieUlqnfiu / attendees who are natural persons
?rifncOrcenvaru?orff lae:fi ufi :fi trJfr ulavrcnl?rltcalsJnvuJU
Shall present one of the following documents of their own at the time of registration'
r.r. UnrJv6rff o/identif ication card
t.z.irlvtuff a/family book
1.s.djfiu1!crnu (*riuilnilrffunllLJYcun)/passport (for foreign investors)
{t6rsolrfrtillfifiqnfiu / attendees who are legal persons
?riirrc0rcenvaru?ndi6nrlnt;lui r crilfr rleufiucenvatu?ndln:AtUfi ,'avccnS?rcaat
51urvu;u:
Shall present one of the documents
documents at the time of registration:
as given in r.above plus one of the following
2.1. ?uev!ulnf;1tfrl/ investment license
z.z. Tuuvu1uSstuvffn/ Certificate of Enterprise Registration (Affidavit)
2.s. ?unvu;uernelavUu{t4n/ most recent Tax Certificate
*riuqcErscufiricrurf 6ruaunru fieltfiirrcEr?uueufinornfr6rucunruffJFnSr!rourfieu
mJ9n
For attendee who is not the authorized director shall have the Proxy as attached
hereto signed by the authorized director.
renvfilu ccav frnqrurifielirruravcrfftn cfiecErdalneldvqlflltUlurarntldvcmn fieScctlclltt
uJ1s1a1c tnuJnrur{ufl30uncruffnfie3?unrr:ccdarnirSsnccrJrurarriuircfiefitfi. *riuutatcrrl
Uvctnn cculevryurn?ritriurutatsSffncrirfirL. nnna .DFnrJyfitantenvatu6tl6f n3 fi0citltUnru
nrrfrrilnff.
All documents and evidence in a foreign language which are required to present prior to
attending the Meeting must be translated into Lao language and the translation shall be
certified by an acceptable translation company. The foreign language is permitted only for
English. BCEL has the right to reject any documents contradicting this provision.
tenvfl1!finfro/ Attachment 8
rirrruvrir n1afi u nrr.rSlsvttuuaJJ
lnstruction for Vote
ovtfi 5ufi nf, 3nvccluaSS?tqrnlcravfi fi elnru?riJnruf, 3nvccrLlasf ur. {cErsaueSrJv4ucoalf,JmvuJUrAt*cueldvql, ntuSSnvctua;3tnur!mrlotr f;1fffff urir!rLeu uutuffn
t6avqiJrSovcc63rSanScfiunrlS3nvrcu?lccnavcrav nyurnruqvuurffnnrrf,lnvcruaS3
?rcaarSlurvuSr tnurirlnr3uiravSfi e3f, 1rcuua11En.
The attendees will be given a ballot for voting in each agenda requiring a vote at the
time of registration. For the case of proxy in which the voting in each agenda has
been clearly specified by the shareholder in the Proxy, BCEL will record such voting
at the time of the registration and the proxy is no longer required to vote.
p. ns)tJvAJ) ovcfiuruJ]nnfiffqunru?nrff tiruiaii drlumrffneyJvqltfifLravcfficfiriu 51nv
rc!!FJl (uurunorucr gffflrnr:.flak ruladtunrfilnrc fr86rcUlfie15lnvaurLalfnl).
Only the shareholders who DO NOT AGREE with the matters proposed by the
meeting are invited to vote (meaning that for those who agree with SUch matters are
not necessary to make any vote).
s. ?unruSlnvccriua33 i?rinrlrJvnsuiql?:iUn51nvaulal3rfftficc'ineJtu?i. ?liu fie3tfiavql
dJr1avcc61n3cfiufl ccav uruav4uee3urrJ, 'itlaufu urnna fiurlffqt aav ?riuutufrunr
?:irfis3 &crilff.
To vote, kindly fill in the distributed ballot in which you must specify clearly about
your name and surname, and the total number of BCEL shares you are holding and
mark a cross in the DisaPProve box.
+. urilatnnruilnvrcuuaS3s;u6eufffia i?rfiur!ilnUofi3nraEu cfie?finvuvBufnqeucfiul€t
ff av ScusaunvttlJlJFJl.
After you have clearly casted your vote, kindly raise your hand with the ballot, so the
organizers can take the ballot and count the votes.
s. rnruevtfi Butc6ln5cfi ufi unruiunvcculi/?:lrirJvqucSu
cfirfiurfi3nvccula31.
tnunrufi unvcct-rua53avff cOrui3f u
You will be informed about the voting result right in the meeting with one shareequals one vote.
nruSlnvccuuaSS0criuff av.0fi lHnSn fi fi c.8siinya!uamluun Iumuyeu.
, aoJlmalunalcnJuuJa9Jal!a!6! nnna
The Disapproval votes will become effective only if such votes account for more than
half of the total number of BCEL shares attending the meeting.
uu 1u (u o/lmportant Remark:
r. rlcErsauri0tfif;3nvu;ucErUvqr av0.0*n?!n1!SJFrvcruuFll.
Any attendees who failed to make registration will not be eligible to vote.
z. qrnUnf,3nvccluaslr!crir.rfiitarav?nui3 nqn$ltAmrLrau r!3arnrinelUvqutfirjynrnSuruS3nvccu:.rae3aravfi uccf, a, avff arcituUnS3nrccluasSfi ?40tfi .
Any and All disapprove votes in any Agenda which are submitted to the
Meeting after the Meeting has already announced the voting result of such
Agenda shall be deemed invalid.