What Canadia Bank does

Canadia Bank Plc. is Cambodia's largest locally-owned commercial bank, operating continuously since 1991 (founded as Canadia Gold & Trust Corp Ltd, renamed to Canadia Bank Ltd in 1993 and to Canadia Bank Plc. in December 2003). It is a subsidiary of Canadia Investment Holding Plc. (CIH), a privately held Cambodian conglomerate that also owns Sovannaphum Life Assurance and Dara Insurance. The bank runs a full-service commercial banking franchise organised across Personal Banking, Business Banking, and Canadia Private (wealth management), supplemented by Trust-Regulator-licensed escrow services and bancassurance distribution through its insurance sister-companies. As of March 2026 it operates 70 branches and 430+ self-service digital machines (ATMs, Cash Recycling Machines, Virtual Teller Machines, Smart Card-Issuing Machines) nationwide; end-2024 Group assets stood at $8.6 billion with Group net profit of $84.6 million.

Its technology stack layers a redesigned mobile banking app (launched January 2023, supporting fund transfers, KHQR payments, CanaPoints loyalty, and card management), individual and corporate internet banking platforms with multi-currency processing, and Smart Branch self-service hubs over the core banking platform. Canadia KHQR participation in the national Bakong network allows merchants to accept cashless payments from every bank and e-money provider in Cambodia and customers to scan any member-issued QR code; the bank is extending this infrastructure into ride-hailing (PassApp), lifestyle retail (BROWN), and SME accounting software (POSCAR Digital / Vithean) via payment-gateway integrations.

Revenue is anchored in net interest income from lending against deposits, complemented by transaction and fee income (account services, wire transfers, trade finance, cash management, payroll, card transactions), foreign exchange operations across 18+ currency pairs, digital payment services (KHQR merchant acquisition and payment gateway), and bancassurance commissions from Sovannaphum Life and Dara Insurance. The bank serves retail consumers, SMEs, large domestic and multinational corporates, affluent/high-net-worth individuals, and enterprise-zone businesses, with dedicated relationship managers across the branch network and a growing digital and embedded-finance distribution layer.

Name

Canadia Bank

Legal name

Canadia Bank Plc.

Website

https://canadiabank.com.kh

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Canadia Bank is Cambodia's largest locally-owned commercial bank, founded 1991, offering personal, business, and private banking, escrow and trade-finance services, and insurance distribution through 70 branches and a digital platform spanning mobile banking, KHQR payments, and Smart Branch self-service across the Kingdom of Cambodia.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

Keywords

• Retail banking services
• Commercial banking
• Digital payments
• Trade finance
• Wealth management

Headquarters

HQ city

Phnom Penh

HQ country

Cambodia

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income from lending activities minus interest paid on deposits. The bank holds strong market position in both loans and deposits, serving as one of Cambodia's largest commercial banks with commanding market shares.
2. Transaction and Fee Income: Fees from account services, fund transfers, wire transfers, trade finance, cash management, payroll services, and card transactions including debit and credit cards.
3. Digital Payment Services: Revenue from KHQR merchant services, payment gateway integrations, card processing, and digital payment solutions offered to business partners and merchants.
4. Foreign Exchange Operations: Revenue from foreign exchange transactions and treasury operations, supported by the bank's exchange rate services across 18+ currency pairs.
5. Insurance Distribution: Commission revenue from distributing life insurance (Sovannaphum Life) and general insurance (Dara Insurance) products through the bank's branch network and digital channels.
6. Private Banking Services: Wealth management services for affluent individuals and corporations, offering personalized financial advisory, portfolio management, and specialist services for real estate, art investment, and overseas relocation.
7. Escrow Services: Fees for escrow and retention services in real estate transactions, licensed by the Trust Regulator for the Trust Sector, covering land, houses, condominiums, and commercial property.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels8 records

Core offering

Canadia Bank is a Cambodian commercial bank providing Personal Banking (savings/current accounts, personal/mortgage/auto loans, debit and credit cards, money transfers, insurance) and Business Banking (trade finance, business loans, cash management, payroll services, escrow) for retail consumers, SMEs, large corporations, and affluent clients. It also operates Canadia Private for wealth management and distributes insurance through Sovannaphum Life and Dara Insurance. Services are delivered through 70 branches and 430+ self-service digital machines, supplemented by the Canadia Bank mobile app, Individual and Corporate Internet Banking, and the Canadia KHQR payment system on the Bakong national network.

Product overview

Canadia Bank operates as a full-service commercial bank in Cambodia offering a unified platform-plus-modules product architecture. The core banking services are organized into Personal Banking (accounts, loans, cards, transfers, insurance) and Business Banking (trade finance, loans, payment solutions, cash management, payroll). Key digital products include the Canadia Bank App (mobile banking with KHQR payments, CanaPoints rewards, card management), Internet Banking for individuals and corporates, and Canadia KHQR for merchant payments. Supplementary services span Private Banking (wealth management), Escrow Services for real estate, and partnered insurance products through Sovannaphum Life and Dara Insurance. The bank operates Smart Branches featuring self-service machines (VTM, CRM, Smart Card-Issuing Machines, ATM) alongside traditional branches. All services are underpinned by 70 branches and over 430 self-service digital machines nationwide.

Differentiator

Problem solved

Functional benefit

Brands

• Canadia Private: Private banking and wealth management service for affluent individuals and corporations.
• Canadia KHQR
• Smart Branch
• Canadia Bank App
• Canadia Bank Internet Banking
• EZ Account
• CanaPoints
• Canadia Bank Cares

Products and services

• Personal Banking Comprehensive personal banking for individuals covering savings and current accounts, personal loans, mortgage loans, auto loans, debit and credit cards, money transfers, forex exchange, and tax payment services. Serves retail customers at all life stages, from first job to major purchases like homes and weddings.
• Business Banking Full-service commercial banking for SMEs and corporate clients covering business accounts, trade finance, business loans, payment solutions, cash management, payroll services, funds transfer, and escrow services. Served by dedicated Relationship Managers across 70 branches.
• Canadia Bank Mobile App Redesigned mobile banking application offering digital account management, fund transfers, KHQR payments, mobile top-ups, bill payments, CanaPoints rewards, card management, EZ account opening, and overseas fund transfers for individual and business customers.
• Internet Banking (Individual and Corporate) Online banking platforms for individual customers (cnbebanking.com) and corporate clients (ib.canadiabank.com), providing account access, fund transfers, payment services, and business cash management with multi-currency support.
• Canadia KHQR Merchant Payments QR-code-based payment acceptance solution enabling merchants to accept cashless payments from all banks and financial institutions nationwide through the Bakong KHQR network; customers can pay by scanning any Bakong member QR code.
• Canadia Private (Private Banking) Wealth management services for affluent individuals and corporations offering one-to-one personalized financial advisory, creative wealth solutions, global networks, and specialist services for buying homes, art investing, and overseas relocation.
• Escrow Service Bank-managed escrow account services licensed by the Trust Regulator as Trustee Operator, providing secure property transactions where Canadia Bank holds and releases buyer funds upon fulfillment of agreed conditions in real estate deals for land, houses, buildings, and condominium units.
• Deposit Accounts (Savings, Current, EZ Account) Range of deposit accounts including savings accounts, current accounts, and EZ Accounts that can be opened in minutes via the mobile app or Smart Branch self-service machines.
• Loans (Personal, Mortgage, Auto, Business) Credit products covering personal loans, mortgage loans, auto loans, and business/SME loans. Includes the Green Financing Program for environmentally-friendly sectors and the Women Entrepreneurs Guarantee Scheme in partnership with CGCC (70-80% government guarantee).
• Cards (Debit and Credit) Canadia Bank debit and credit cards including Visa card products with benefits such as travel discounts through Trip.com partnerships (25% off hotels/flights via promo codes CNBSTAY25 and CNBFLY25), contactless payment support, and integration with digital wallets.
• Sovannaphum Life Assurance Life insurance products and services distributed through Canadia Bank channels. Subsidiary of Canadia Investment Holding Plc. (CIH) with total assets exceeding USD 8.89 billion.
• Dara Insurance General insurance products including motor insurance (motorcycle, private car, commercial vehicle), aviation, engineering, property, fire, and medical/accident insurance distributed through Canadia Bank. Part of Canadia Investment Holding Plc.
• Trade Finance Import/export financing, letters of credit, bank guarantees, and documentary collections for corporate clients engaged in international and domestic trade.
• Cash Management Business banking service providing cash pooling, liquidity management, and operational account services for corporate customers to manage daily cash flow and treasury functions.
• Payroll Services Banking service enabling corporate clients to process employee salary payments, manage payroll disbursements, and handle related fund transfers efficiently.
• Foreign Exchange (Forex) Currency exchange services with daily updated rates for 18+ currencies including USD, AUD, EUR, GBP, NZD, CAD, CHF, CNY, HKD, JPY, MYR, SGD, THB, TWD, KRW, VND, and IDR. Offered via branch counters and digital channels.
• Insurance Distribution (Bancassurance) Bancassurance offerings through partnered insurance providers Dara Insurance (general insurance: vehicle, aviation, engineering, property, medical/accidents) and Sovannaphum Life (life insurance), both subsidiaries of Canadia Investment Holding.
• Money Transfers and Remittances Personal and business fund transfer services including domestic transfers and overseas remittances via the mobile app and internet banking channels.

Quantifiable outcome

• 500,000+ customers served with 17.7% share of all commercial bank deposits
• +4 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature9 records

Partnerships

15 partnerships are on record, tiered core and supporting.

• Smart AxiatacoreStrategic or Co-development Partner · 18 May 2026MoU to advance digital transformation across Canadia Group's diverse portfolio including banking, real estate, infrastructure, and commercial developments. Partnership aims to enhance digital accessibility, improve customer experiences, and support Cambodia's digital economy through connectivity, integrated ICT solutions, and innovation-driven collaborations.
• BROWNcoreGTM or Marketing Partner · 8 May 2026Partnership to elevate digital payment experience across BROWN's nationwide store network. Integration of Canadia Bank's KHQR, card payment acceptance, and payment gateway into BROWN's stores and mobile app. Creates cross-platform rewards and personalized offers. BROWN's 16-year presence in Cambodia enhances customer reach.
• Sunway Medical Centre (Malaysia)supportingStrategic or Co-development Partner · 7 May 2026MoU signed with Intercare Hospital and Sunway Medical Centre (ranked top 250 globally by Newsweek, #1 in Malaysia) to enhance patient care. Focus on Pediatrics, Orthopedics, Oncology, Eye Care, and Laboratory services. Strengthens patient pathways between Cambodia and Malaysia. Customers of Canadia Bank and Cambodia Post Bank enjoy special healthcare benefits.
• Intercare HospitalsupportingStrategic or Co-development Partner · 7 May 2026Intercare Hospital (part of Canadia Integrated Group's OCIC) partnered with Sunway Medical Centre Malaysia to strengthen healthcare services. Treated 70,000+ patients since 2020 with 200+ medical professionals. Expansion planned to Siem Reap in 2026. Supports broader ecosystem including Canadia Bank's customer healthcare benefits.
• PassApp TechnologiescoreGTM or Marketing Partner · 27 February 2026Strategic partnership to advance cashless transactions for ride-hailing drivers and riders. PassApp driver-partners receive seamless wallet top-up services and faster fund transfers through the Canadia Bank App. Integration of Canadia Bank's payment gateway into PassApp enables passengers to save debit/credit cards and link accounts for automated ride-fee deductions. CanaPoints rewards available through the partnership.
• Cambodia Trade EnterprisecoreStrategic or Co-development Partner · 15 June 2025Strategic partnership to support local exporters. Signing announced June 15, 2026 on the bank's news page. Aims to provide financial support and trade facilitation services to Cambodian export businesses.
• Trip.comsupportingGTM or Marketing Partner · 11 November 2024Exclusive travel benefits for Canadia Visa cardholders: 25% discount on hotel bookings (CNBSTAY25) and flight tickets (CNBFLY25) on Trip.com's global platform. Promotional period November 2024 to April 2025. Trip.com offers access to 1.1M+ hotels and flights from 510+ airlines.
• Amazon Web Services (AWS)supportingTechnology or Integration · 2 June 2023Hackathon partnership for 'KH-Reating Chlart' innovation hackathon with CamTech. AWS provided technical mentorship, training, and guidance for CamTech students developing digital banking prototypes. Part of Canadia Bank's digital transformation journey.
• CamTech (Cambodia University of Technology and Science)supportingStrategic or Co-development Partner · 2 June 2023Co-organized 'KH-Reating Chlart' hackathon with AWS to foster innovation in digital banking. 11 groups with 50+ students developed prototypes for making banking more convenient. Winners included Unicash (Challenge 1 Grand Prize) and Last Breath (Challenge 2 Grand Prize).
• POSCAR Digital (Vithean)supportingTechnology or Integration · 16 May 2023MoU on digital payment solutions. SME customers using POSCAR Digital's Vithean online accounting software can pay subscription fees through Canadia Bank digital payment solutions. Future services planned include payroll automation, bill payment, and subscription payment automation for Vithean SME users.
• Sovannaphum Life AssurancecoreChannel Partner/ Reseller/ DistributorLife insurance products distributed through Canadia Bank channels. Sovannaphum Life is a subsidiary of Canadia Investment Holding (CIH) with total assets exceeding USD 8.89 billion. Licensed by Ministry of Economy and Finance December 2015, started operations in 2016.
• Dara InsurancecoreChannel Partner/ Reseller/ DistributorGeneral insurance products (motor, aviation, engineering, property, medical/accident) distributed through Canadia Bank. Dara Insurance is part of Canadia Investment Holding (CIH). Received General Insurance Principal License July 2, 2018.
• Credit Guarantee Corporation of Cambodia (CGCC)supportingStrategic or Co-development PartnerPartnership for Women Entrepreneurs Guarantee Scheme providing financing support and assistance to growing female-owned businesses even when lacking collateral. Also provides Business Recovery Guarantee Scheme (BRGS) supporting MSME recovery during and post-pandemic with 70-80% government guarantee.
• Association of Banks in Cambodia (ABC)supportingStrategic or Co-development PartnerCanadia Bank participates in ABC's Cambodian Sustainable Finance Principles (CSFP) initiative. Participated in tree planting and school renovation ceremony organized by ABC at Sattharam Primary School in Takeo Province.
• Overseas Cambodian Investment Corporation (OCIC)coreStrategic or Co-development PartnerOCIC is the parent entity of Canadia Investment Holding and Canadia Bank. Multiple joint CSR initiatives including environmental clean-up drives at Koh Pich and Chroy Changvar. Canadia Bank Chairman Dr. Pung Kheav Se leads OCIC group companies.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Wing Bank (Cambodia): Cambodian mobile-focused bank (part of Royal Group) offering payments, deposits, and lending primarily via app and agents. Competes with Canadia on KHQR-driven digital payments and retail deposit mobilization.
• ACLEDA Bank: Cambodia's largest commercial bank by assets and branches, also locally-owned. Directly competes with Canadia across retail, SME, and corporate banking, and operates the widest branch network in Cambodia — the closest comparable peer for scale and product breadth.
• Sathapana Bank: Cambodian commercial bank offering personal, SME, and corporate banking with a strong nationwide branch presence. Directly comparable in target segments (retail, SME, corporate) and in digital banking build-out.
• ABA Bank: One of Cambodia's fastest-growing commercial banks, known for digital-first retail banking and aggressive deposit acquisition. Competes head-to-head with Canadia in retail deposits, KHQR-enabled payments, and SME lending.
• Cambodian Public Bank: Subsidiary of Malaysia's Public Bank Berhad operating in Cambodia. Offers comparable retail and SME banking products and competes directly for Cambodian deposits and loans, though with smaller branch network.
• Cambodia Post Bank: Cambodian commercial bank with retail, SME, and government-payment banking. Comparable product set, and explicitly named alongside Canadia Bank as a financial partner in the Sunway Medical Centre healthcare MoU — making it an unusually direct peer.

Broad incumbents

• Bangkok Bank (Cambodia): Thai-headquartered bank with Cambodian operations serving corporate, trade finance, and high-net-worth clients. Overlaps with Canadia's corporate banking and HK representative-office international banking activity.
• Maybank Cambodia: Subsidiary of Malaysia's largest bank. Provides commercial, corporate, and treasury banking in Cambodia, competing with Canadia in corporate and trade finance as a regional incumbent.
• ANZ Royal Bank (Cambodia): Australia and New Zealand Banking Group's Cambodia franchise, focused on corporate and institutional banking. Competes for multinational corporate, trade finance, and FX business in Cambodia.

Regional players

• Phillip Bank Cambodia: Cambodian commercial bank affiliated with Singapore-based PhillipCapital. Competes with Canadia in retail and SME banking while bringing regional wealth-management linkages comparable to Canadia's private banking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Canadia_Bank
• YouTubeyoutube.com/channel/UCJHJ4ICDBccZdGjwm-tKXVQ
• Facebookfacebook.com/CanadiaBankCambodia
• LinkedInlinkedin.com/company/canadiabank
• Instagraminstagram.com/canadia.bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Canadia Bank