CIMB Bank
CIMB Bank PLC is the Cambodian subsidiary of Malaysia's CIMB Group Holdings, operating 14 branches and serving Cambodian retail consumers with deposit accounts, Visa credit cards, consumer financing (home, auto, personal, salary advance), and digital banking via the CIMB Mobile app.
- Company typePrivate
- Founded2010
- HeadquartersPhnom Penh, Cambodia
- Headcount251–500
- GTM typeB2C
- OfferingServices
What CIMB Bank does
CIMB Bank PLC is the Cambodian banking subsidiary of CIMB Group Holdings Berhad, a publicly listed Malaysian diversified financial services group with operations across seven ASEAN markets (Malaysia, Indonesia, Singapore, Thailand, Cambodia, Vietnam, Philippines). Incorporated as a public limited company in Cambodia and headquartered in Phnom Penh, CIMB Bank operates through 14 branches nationwide and serves primarily Cambodian retail consumers with a horizontal segmentation strategy across individual banking, property buyers, payroll customers, and general retail banking segments.
The bank's product portfolio spans deposit accounts (savings, fixed deposit, current, foreign currency, junior, and premium Preferred accounts in KHR and USD), Visa-branded credit cards (Gold and Preferred Platinum tiers), and a comprehensive financing suite including home loans (up to 25-year tenure), auto loans (including EV financing with 50% processing fee discount), personal loans (up to USD 25,000), home equity loans (up to 80% LTV, includes solar PV financing), and salary advance loans for payroll customers. Digital delivery is anchored by the CIMB Mobile app supporting account management, fund transfers, and KHQR payments (Cambodia's national QR payment standard), alongside an internet banking portal. Revenue is generated primarily through interest income on the lending portfolio, supplemented by transaction and service fees on telegraphic transfers (local and international), credit card fees, and deposit account service charges.
Distribution combines physical branch sales, car dealer partnerships for auto loan origination, employer payroll partnerships for salary advance loans, and self-service digital channels. The bank operates under regulatory oversight of the National Bank of Cambodia for AML/CFT compliance and licensing. Recent strategic activity includes an MoU with ZTE Corporation for 5G and digital infrastructure cooperation across ASEAN markets and early-adopter participation in Visa's Agentic Ready initiative for AI-agent-initiated transactions.
CIMB Bank firmographics
Firmographics- Name
- CIMB Bank
- Legal name
- CIMB BANK PLC (00010524)
- Website
- https://cimbbank.com.kh
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- CIMB Bank PLC is the Cambodian subsidiary of Malaysia's CIMB Group Holdings, operating 14 branches and serving Cambodian retail consumers with deposit accounts, Visa credit cards, consumer financing (home, auto, personal, salary advance), and digital banking via the CIMB Mobile app.
- Ownership category
- akta.pro rank
CIMB Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (522110)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
Keywords
Where CIMB Bank is headquartered
LocationHeadquarters
- HQ city
- Phnom Penh
- HQ country
- Cambodia
- HQ region
- Asia
Offices2 records
Markets served
CIMB Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Infrastructure, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Interest income from lending: CIMB Bank generates revenue primarily through interest income on its lending portfolio, including auto loans, home loans, home equity loans, personal loans, and salary advance loans. Interest rates are applied to outstanding principal balances.
- Transaction and service fees: Fees earned on telegraphic transfers (local and international), credit card annual fees and transaction fees, processing fees on loans, CBC report fees, and other banking service charges.
- Deposits and current account fees: Revenue from service charges on deposit accounts, potential fees for dormant account reactivation, and charges related to fixed deposit and savings account management.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Monthly | Salary Advance Loan for CIMB Payroll customers: USD 2,000–5,000 or KHR 8M–20M, up to 5x income, tenure up to 24 months |
| Subscription | Monthly | Personal Loan: up to USD 25,000 or KHR equivalent, tenure up to 60 months |
| Subscription | Monthly | Home Equity Loan: up to 80% of property/market value (whichever is lower), tenure up to 15 years |
| Subscription | Monthly | Home Loan: processing fee of 1% of loan amount, minimum USD 1,000, tenure up to 25 years |
| Transaction based/ take rate | Pay-as-you-go | Telegraphic Transfer fees: local transfers from USD 1–5 based on amount; international transfers to MY/ID/SG/TH at USD 18 or 0.17%+USD 15 cable fee |
| Subscription | Annual | Credit Card: annual fees for primary and supplementary cards, cash advance fees, late payment charges, and foreign currency transaction administration charge of 1% |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
CIMB Bank product offering
Product offeringCore offering
CIMB Bank PLC is a full-service retail commercial bank operating in Cambodia, offering deposit accounts (savings, current, fixed deposits), Visa-branded credit cards (Gold and Platinum), and a consumer lending suite covering home, auto, personal, salary advance, and home equity loans. Banking services are delivered through 14 physical branches in Cambodia combined with digital channels including the CIMB Mobile app, KHQR-based payments, telegraphic transfers, and internet banking, supporting both USD and KHR currencies.
Product overview
CIMB Bank (Cambodia) operates as a full-service commercial bank offering a unified digital and branch banking platform. The product portfolio centers on deposit accounts (savings, current, and fixed deposits in KHR and USD), Visa-branded credit cards (Gold and Preferred Platinum tiers), and a comprehensive financing suite including home loans, auto loans, personal loans, salary advance loans, and home equity loans with solar financing options. Digital services include the CIMB Mobile app, internet banking, KHQR payments, and telegraphic transfers. Products are offered as standalone offerings accessible through both digital channels and 14 branches across Cambodia.
Differentiator
Problem solved
Functional benefit
Products and services
- CIMB Preferred Visa Platinum A premium credit card offering exclusive privileges across ASEAN markets for high-value Cambodian cardholders.
- CIMB Gold Visa Card A standard gold-tier credit card for everyday banking and payments.
- CIMB Home Loan Home financing with tenure up to 25 years and competitive interest rates; processing fee of 1% of loan amount (minimum USD 1,000).
- CIMB Home Equity Loan Property-backed loan offering up to 80% of property value with tenure up to 15 years; includes CIMB Solar Financing for solar PV systems.
- CIMB Auto Loan Auto financing available through an extensive network of car dealers with competitive interest rates; includes Auto Loan for EV with 50% off processing fee.
- CIMB Personal Loan Unsecured personal loan up to USD 25,000 (or KHR equivalent) with tenure up to 60 months; early settlement available without charge.
- CIMB Salary Advance Loan Fast, unsecured payroll loan for CIMB customers in USD or KHR; facility limit USD 2,000-5,000 (or KHR 8-20 million), tenure up to 24 months, no lock-in period.
- KHQR Payment Service QR code-based payment service integrated with Cambodia's national QR payment ecosystem; requires dual KHR and USD accounts for full functionality.
- Telegraphic Transfer International and local wire transfer service with extensive correspondent bank network; supports multiple currencies worldwide.
- SavingsPlus Account Interest-bearing savings account with competitive rates and flexible access.
- Fixed Deposit Account Time deposit with guaranteed returns; auto-renewal upon maturity at prevailing rates.
- Prime Current Account Non-interest bearing current account for day-to-day banking transactions.
- CIMB Preferred Account Premium current account tier for high-value customers.
- Foreign Currency Account Multi-currency deposit account supporting USD and other major currencies.
- CIMB Mobile App Mobile banking application for account management, payments, and KHQR transactions.
Quantifiable outcome
- Home loan tenure up to 25 years to lighten monthly commitments
- +2 more outcomes
Companies that use CIMB Bank
Customer profileSegments4 records
Ideal customer profiles4 records
CIMB Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CIMB Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Visa Inc.coreCIMB Bank is an early adopter of Visa's Agentic Ready initiative, a secure testing environment enabling banks to handle AI agent-initiated transactions as part of the shift toward agentic commerce. CIMB participates alongside Alliance Bank Malaysia Berhad and Maybank as Malaysian early adopters in Visa's broader Asia-Pacific rollout with over 50 partner institutions across 10 markets.
- ZTE CorporationcoreZTE Corporation and CIMB Bank Berhad signed an MoU in Kuala Lumpur to establish a strategic cooperation framework for 5G network deployment and digital infrastructure development across ASEAN. The partnership combines ZTE's telecommunications capabilities with CIMB's banking and financing solutions to explore infrastructure financing, regional network expansion, and cross-border liquidity management. Building on their existing collaboration in Malaysia's 5G rollout, the partnership extends to Indonesia, Singapore, Thailand, and Cambodia.
- National Bank of CambodiacoreCIMB Bank operates under regulatory oversight of the National Bank of Cambodia (NBC) for exchange control, AML/CFT compliance, and banking licensing. The bank is required to comply with NBC regulations including exchange control rules and the Law on Anti-Money Laundering and Combating the Financing of Terrorism.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
CIMB Bank competitors and assessment
Company assessmentDirect peers
- Acleda Bank: Acleda Bank is Cambodia's largest commercial bank with the widest domestic branch network and a comprehensive retail and SME banking portfolio. It is the primary direct competitor to CIMB Bank in the same Cambodian retail and business banking market, with overlapping product sets in deposits, loans, and digital payments.
- Maybank Cambodia: Maybank Cambodia is the Cambodian subsidiary of Malayan Banking Berhad, a major Malaysian regional bank that is part of the same regional ASEAN banking peer set as CIMB. Both are Malaysian-headquartered regional banks operating retail and commercial banking franchises in Cambodia with regional digital and remittance links.
- ABA Bank (Advanced Bank of Asia): ABA Bank is one of Cambodia's fastest-growing retail-focused commercial banks, known for its strong mobile-first digital platform and aggressive retail deposit and consumer loan franchise. It competes directly with CIMB for Cambodian retail deposits, credit cards, and digital banking customers.
- Sathapana Bank: Sathapana Bank is a Cambodia-domiciled commercial bank offering personal, SME, and corporate banking services including deposits, loans, and digital banking. As a domestic Cambodian peer, it competes head-on with CIMB for retail and business customers in the same regulatory jurisdiction.
- Canadia Investment Holding (Canadia Gold): Canadia Investment Holding is the parent group of Canadia Bank, providing retail, SME, and microfinance services to Cambodian consumers. It is a direct domestic competitor in retail deposit-taking and consumer lending.
- Canadia Bank: Canadia Bank is a leading Cambodian commercial bank offering personal, SME, and corporate banking with deep nationwide branch coverage. It is a direct in-market competitor to CIMB Bank across deposits, consumer loans, and FX/remittance products in Cambodia.
- Wing Bank (Cambodia): Wing Bank is a major Cambodian retail-focused bank with a strong agent banking network and digital wallet proposition reaching unbanked and underbanked consumers. It directly overlaps with CIMB's retail deposit, consumer lending, and digital payment strategies inside Cambodia.
- RHB Bank Cambodia: RHB Bank Cambodia is the Cambodian subsidiary of RHB Banking Group, another Malaysian banking group with regional retail and commercial banking operations. It is a closely comparable Malaysian-headquartered regional bank operating in the same Cambodian retail banking space as CIMB.
Broad incumbents
- UOB Cambodia: UOB Cambodia is the Cambodian subsidiary of United Overseas Bank, a large Singapore-headquartered regional bank offering personal, SME, and corporate banking. As a broader regional incumbent, UOB competes with CIMB's premium-tier and corporate banking positioning in Cambodia while running a wider product suite across ASEAN.
Regional players
- Public Bank Berhad: Public Bank is a Malaysian retail-banking specialist with a long-running focus on consumer deposits, mortgages, and personal loans — a product mix closely analogous to CIMB Cambodia's consumer-led strategy. Although it does not have a major Cambodian retail footprint, it serves as the closest Malaysian regional comparable for the deposit-funded, mortgage-heavy retail banking playbook CIMB runs in Cambodia.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
CIMB Bank social profiles
Digital presenceCIMB Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
CIMB Bank leadership team
Management profileNumber of profiles
CIMB Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CIMB Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CIMB Bank
What does CIMB Bank do?
CIMB Bank PLC is a full-service retail commercial bank operating in Cambodia, offering deposit accounts (savings, current, fixed deposits), Visa-branded credit cards (Gold and Platinum), and a consumer lending suite covering home, auto, personal, salary advance, and home equity loans. Banking services are delivered through 14 physical branches in Cambodia combined with digital channels including the CIMB Mobile app, KHQR-based payments, telegraphic transfers, and internet banking, supporting both USD and KHR currencies.
Is CIMB Bank a public or private company?
CIMB Bank is a private company. It is classified as corporate owned and is currently operating.
When was CIMB Bank founded?
CIMB Bank was founded in 2010. It employs 251 to 500 people.
Where is CIMB Bank based?
CIMB Bank is headquartered in Phnom Penh, Cambodia, in the Asia region.
How does CIMB Bank make money?
Three revenue lines are on record. Interest income from lending is the primary driver. The others are transaction and service fees and deposits and current account fees.
Who are CIMB Bank's main competitors?
Direct peers on record are Acleda Bank, Maybank Cambodia, ABA Bank (Advanced Bank of Asia), Sathapana Bank, Canadia Investment Holding (Canadia Gold), Canadia Bank, Wing Bank (Cambodia) and RHB Bank Cambodia. UOB Cambodia is listed as a broad incumbent. Public Bank Berhad is listed as a regional player.
Does CIMB Bank have an API?
No public API is recorded for CIMB Bank.
What industry is CIMB Bank in?
CIMB Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 522110 and its SIC code is 6022.