AKP Phnom Penh, January 24, 2026 --

Cambodia’s banking and financial industry continued to record modest growth in both credit and deposits in 2025, despite external and domestic economic challenges, according to the National Bank of Cambodia (NBC)’s annual report released on Jan. 24.

Outstanding loans rose by 4.1 percent year-on-year to US$63 billion by the end of 2025, while customer deposits increased by 14.7 percent to US$65.7 billion, the report said.

Non-performing loans (NPLs) at banking and financial institutions remained at manageable levels of 8.9 percent and 8.3 percent, respectively, it added.

The report also noted that total assets in Cambodia’s banking and financial system reached US$101.8 billion in 2025, up 9.5 percent from 2024.

Speaking at the NBC’s annual meeting held on Jan. 23, NBC Governor H.E. Dr. Chea Serey said the banking system continued to support economic activity, despite ongoing challenges facing the economy both externally and domestically.

“Credit provided by the banking system grew by 4.1 percent in 2025, higher than in 2024, supported by rising demand for capital from micro, small, and medium-sized enterprises (SMEs) to expand their businesses,” she said.

“Deposits also continued to grow strongly, with a growth rate of 14.7 percent, alongside strong capital and high liquidity, indicating that the banking system remains resilient and continues to enjoy public confidence,” she underlined.

According to the report, Cambodia currently has 59 commercial banks, 89 microfinance institutions, four specialised banks, and 89 rural credit institutions nationwide, serving 18.6 million deposit accounts and 4.3 million credit accounts.

In addition, the Kingdom recorded 18.9 million e-wallet accounts in 2025. Transactions conducted through the Bakong payment system reached 1.325 billion, including 771 million transactions in Khmer riel and 554 million in U.S. dollars, the source added.

By Chea Vannak