PHNOM PENH, Cambodia — Cambodia’s banking and financial sector recorded moderate credit growth and strong deposit expansion in 2025, underscoring continued system stability despite ongoing global and domestic economic headwinds, according to the National Bank of Cambodia (NBC).
Outstanding loans rose 4.1% from a year earlier to about $63 billion, while customer deposits climbed 14.7% to $65.7 billion, the central bank said in its annual report released Friday.
Non-performing loans remained at manageable levels, with banks reporting an average ratio of 8.9% and other financial institutions at 8.3%, the report showed.
Total assets in Cambodia’s banking and financial system reached $101.8 billion in 2025, up 9.5% from the previous year, reflecting continued balance-sheet expansion.
Speaking at the NBC’s annual meeting on Thursday, central bank Governor Chea Serey said the financial system continued to support economic activity despite slower global growth and domestic challenges.
“Credit growth reached 4.1% in 2025, higher than in 2024, supported by rising demand from micro, small, and medium-sized enterprises seeking capital to expand their businesses,” she said.
Chea Serey added that strong deposit growth, solid capital buffers, and high liquidity levels point to sustained public confidence in the banking system.
Cambodia’s financial sector comprises 59 commercial banks, 89 microfinance institutions, four specialized banks, and 89 rural credit institutions, serving approximately 18.6 million deposit accounts and 4.3 million loan accounts nationwide, according to the NBC.
Digital payments continued to expand rapidly. The country recorded 18.9 million e-wallet accounts in 2025, while transactions processed through the Bakong payment system totaled 1.325 billion, including 771 million transactions in Cambodian riel and 554 million in U.S. dollars, the central bank said.