Gojyo & Company, Aiming to Be a Private-Sector World Bank, Signs Share Transfer Agreement to Acquire Majority Stake in Cambodia's Chamroeun Microfinance

Gojyo & Company Co., Ltd. (Representative Executive Officer and CEO: Tae Jun Shin, Head Office: Shibuya-ku, Tokyo) announces that it has signed a share transfer agreement with existing shareholders of Chamroeun Microfinance PLC. (hereinafter "Chamroeun") to increase its ownership stake to 99.9%. This transaction is subject to regulatory approval and is expected to be completed upon receipt of such approvals.

Following its minority investment of 14.99% made in September 2025, this move to full subsidiary status will further strengthen Gojyo's long-term commitment to Cambodia. Gojyo already provides microfinance services in Cambodia through MAXIMA Microfinance Plc. (hereinafter "MAXIMA"). The company will fully leverage its group management resources, technological expertise, and governance enhancement initiatives to accelerate Chamroeun's growth and strengthen customer protection standards.

Gojyo will acquire Chamroeun shares from Fals Corporation and its Representative Director, Nobuaki Takahashi.

Chamroeun CEO Yannick Milev's Comment:

"The management team, staff, and partner organizations of Chamroeun are excited to become part of the Gojyo Group. We are committed to advancing our shared mission of delivering responsible financial services to micro-entrepreneurs who are essential to Cambodia's economy, and we will pursue this partnership with Gojyo with strong determination and the highest-quality tools."

Gojyo COO Gürol Sari's Comment:

"Gojyo's primary objective is to redefine Chamroeun's position in the Cambodian market as an advanced digital financial player. By introducing digital tools into customer-facing applications and loan application processes, we aim to significantly improve operational efficiency and customer experience. Going forward, we will elevate customer protection standards to match those of MAXIMA, Gojyo Group's current benchmark in Cambodia, and aim to achieve Gold certification under the Customer Protection Certification program."

About Chamroeun Microfinance PLC.

Chamroeun, established in 2009, is a Cambodian microfinance institution licensed by the National Bank of Cambodia. It operates across multiple provinces and serves over 20,000 households, providing financial services to low-income and unbanked households as well as small business owners.

About Gojyo & Company Co., Ltd.

Gojyo is a holding company that delivers microfinance services in developing countries through group companies and major investments in seven countries across South and Southeast Asia, and Central Asia and the Caucasus. Founded in July 2014 with the mission of extending financial inclusion worldwide, the company served approximately 1.7 million customers across its group companies and major investments as of March 31, 2026. In January 2025, Gojyo obtained B CorpTM certification and is actively working to improve its social and environmental performance.