Includes special features of this country’s banking system and rules/laws that might impact U.S. business.
Last Published: 8/6/2019

Ninety percent of Cambodia’s financial assets are located in the country’s banking system.  Banking system assets increased by 20.9  percent last year to approximately $34.93 billion, equivalent to 143 percent of GDP.    Credit was concentrated in key economic sectors such as wholesales and retails (27.5 percent), agriculture (8.9 percent), construction (9.2 percent), real estate activities and owner-occupied housing (17.4 percent), and other sector (37 percent).  At the same time, banks’ total deposit amount stood at $22.18 billion.

Non-performing loans ratio remained at 2.2 percent in 2018 compared to 2.4 in 2017.  The banking industry's Return on Asset (ROA) and Return on Equity (ROE) were 1.6 percent and 8.40 percent, respectively.

Cambodia’s banking sector is expanding rapidly. By the end of 2018, the sector has 43 commercial banks, 14 specialized banks, 74 microfinance institutions, seven microfinance deposit-taking institutions, 273 rural credit institutions, five representative offices, 15 financial leasing companies, 14 payment service providers, one credit bureau company, and 2,779 money changers .   In addition, total number of credit and debit cards increased to 102,151 and 2,172,263 cards respectively.

In 2018, total number of ATM terminals of banking system reached 3,742 compared to 3,072 in 2017.

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