Amret
Amret is a Cambodian microfinance institution founded in 1991 and subsidiary of Bank SinoPac, serving 893,932 clients via 150 branches across all 25 provinces with microloans, savings, mobile banking, insurance, and doorstep operations for low-income individuals and micro/small businesses.
- Company typePrivate
- Founded1991
- HeadquartersPhnom Penh, Cambodia
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Amret does
Amret Microfinance Institution, founded in 1991 and headquartered in Phnom Penh, is a Cambodian microfinance institution operating as a subsidiary of Taiwan-based SinoPac Holdings (Bank SinoPac majority shareholder, alongside two international institutional investors) and one of the top 10 financial institutions in the country by social impact. As of May 2026, Amret serves 893,932 clients — including 600,000+ low-income borrowers — through 150 branches across all 25 Cambodian provinces, a mobile banking application (Amret Mobile), an ATM network on the Cambodian Shared Switch, and doorstep field operations. Its customer base spans smallholder farmers, micro and small business owners, women entrepreneurs, and individual/household borrowers, with horizontal segmentation and direct-to-consumer go-to-market.
The product surface is comprehensive for an MFI: seven loan products (Business, Personal, Agriculture, Home Improvement, Women Entrepreneur, Top Up, and Fixed Deposit Loan), five savings accounts (Fixed Deposit, Kmeng Chhlat, Goal, Flexi Term, Chamroeun), two transaction accounts (Personal Convenient, Corporate Commerce), three insurance offerings (Life and Critical Illness, Loan Repayment, the proprietary 2P5 microinsurance), and the Amret Mobile App as the unifying digital channel. The underlying technology stack consists of cloud-based core banking systems, a proprietary in-house mobile app, and integrations to Bakong KHQR (national QR payments), Wing, TrueMoney, PiPay e-wallets, and the Cambodian Shared Switch ATM network, plus third-party agent-driven collections for rural outreach.
Revenue is generated primarily from interest on the $1,670M loan portfolio (microcredit interest income), float on the $1,502M deposit base, transaction fees (e.g., 4,000–12,000 KHR per bank transfer), ATM card subscriptions (1,000–2,000 KHR/month), and commission income on insurance products. Go-to-market is direct-to-consumer, combining dense physical branch presence, doorstep collection, mobile self-service, and agent network leverage; customer acquisition is amplified by CSR-led brand-building campaigns (e.g., the multi-province "10,000 Steps for 10,000 Students" campaign with 25,000+ participants) and word-of-mouth referrals in rural communities.
Amret firmographics
Firmographics- Name
- Amret
- Legal name
- Amret Microfinance Institution
- Website
- https://amret.com.kh
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Amret is a Cambodian microfinance institution founded in 1991 and subsidiary of Bank SinoPac, serving 893,932 clients via 150 branches across all 25 provinces with microloans, savings, mobile banking, insurance, and doorstep operations for low-income individuals and micro/small businesses.
- Ownership category
- akta.pro rank
Amret industry classification
Industry- Product category
- Microfinance / Retail Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM)
- akta.pro secondary industries
- Microloans & Working Capital Loans (FSAKAGAA), Agricultural & Rural Microfinance (FSAKAGAG)
Keywords
Where Amret is headquartered
LocationHeadquarters
- HQ city
- Phnom Penh
- HQ country
- Cambodia
- HQ region
- Asia
Offices3 records
Markets served
Amret business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Microcredit Interest Income: Primary revenue from interest charged on microloans to individuals and small businesses including agriculture, business, personal, and women entrepreneur loans
- Savings Deposits: Deposit-taking from retail customers generating float income and deposit-based lending capacity
- Transaction and Service Fees: Fees from fund transfers between Amret accounts (free for Amret-to-Amret), bank transfers (4,000-12,000 KHR depending on amount), and ATM card services
- Insurance Products: Commission income from life insurance, critical illness insurance, and loan repayment insurance products
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Loan products range from small microloans to larger SME financing |
| Subscription | Monthly | ATM Card Services |
| Subscription | Monthly | Savings Interest Rates |
| Transaction based/ take rate | Pay-as-you-go | Fund Transfer Fees |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels7 records
Amret product offering
Product offeringCore offering
Amret is a Cambodian microfinance institution that provides microcredit loans (Business, Personal, Agriculture, Home Improvement, Women Entrepreneur, Top Up, and Fixed Deposit), savings and deposit accounts, transaction banking, and microinsurance products to individuals and small businesses. It distributes these services through 150 branches, mobile banking, doorstep operations, and third-party agent networks.
Product overview
Amret is a Cambodian microfinance institution offering a comprehensive suite of financial products centered on microloans (Business, Personal, Agriculture, Home Improvement, Women Entrepreneur, Top Up, and Fixed Deposit Loans) and savings accounts (Fixed Deposit, Kmeng Chhlat, Goal, Flexi Term, and Chamroeun Accounts). The institution provides transaction banking through Personal Convenient and Corporate Commerce accounts, supplemented by a mobile banking app (Amret Mobile) for digital access. Insurance offerings include Life and Critical Illness, Loan Repayment Insurance, and the 2P5 microinsurance product. Additional services include doorstep operations for collection services. The Amret Mobile App serves as the digital channel connecting customers to all core banking products.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Loan Loan product designed for business owners to finance working capital, expansion, or other business-related expenses, targeted at Amret's micro and small business clients.
- Personal Loan Loan product for personal financial needs including emergencies, education, and other non-business purposes, available to individual customers of Amret.
- Agriculture Loan Specialized loan product for farmers and agricultural activities to support crop production, livestock, and other farming expenses, serving rural Cambodian smallholders.
- Home Improvement and Small Housing Loan Loan product for home repairs, improvements, or small-scale housing construction, targeted at individual households.
- Women Entrepreneur Loan Dedicated loan product for women entrepreneurs to support and promote female-owned small businesses, addressing gender-specific financing barriers.
- Top Up Loan Additional loan facility for existing borrowers to access extra funds on top of their current loan with Amret.
- Fixed Deposit Loan Loan secured against a fixed deposit account, allowing borrowers to access funds while maintaining their deposit with Amret.
- Fixed Deposit Account Savings account with fixed term deposits offering guaranteed interest rates for predetermined periods through Amret.
- Kmeng Chhlat Account Savings account designed for children's future financial needs with promotional features, offered by Amret in Cambodia.
- Goal Account Savings account structured to help customers save toward specific financial goals through Amret.
- Flexi Term Deposit Flexible term deposit account offering variable deposit periods with competitive interest rates through Amret.
- Chamroeun Account Savings account with flexible features for deposits and withdrawals offered by Amret.
- Personal Convenient Account Primary checking/transaction account for everyday banking needs and fund management for individual customers of Amret.
- Corporate Commerce Account Business transaction account for companies to manage daily banking operations with Amret.
- Amret Mobile App Mobile banking application enabling Amret customers to manage accounts, transfer funds, make payments, apply for loans, and access banking services remotely via smartphone on iOS and Android, with integrations for Amret accounts, Wing, PiPay, Bakong QR, and ATM withdrawals.
- Life and Critical Illness Insurance Insurance product covering life death benefits and critical illness coverage for Amret borrowers.
- Loan Repayment Insurance Insurance that covers the outstanding loan balance in case of borrower death or disability, offered alongside Amret's loan products.
- 2P5 Microinsurance Microinsurance product providing protection for Amret's microfinance borrowers.
- Doorstep Operations Field officer service that processes loan repayments and deposits from Amret customers at their homes or businesses, extending service reach into rural areas.
Companies that use Amret
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles5 records
Amret technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
Amret partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- Kantha Bopha FoundationminorAmret contributed 40 million KHR to the Kantha Bopha Foundation's '10,000 Riel, 10,000 People' campaign supporting children's healthcare at Kantha Bopha hospitals across 5 locations in Cambodia.
- Preah Srey Içanavarman Museum of Economy and Money (SOSORO)coreAmret signed a 3-year MOU with SOSORO museum to promote knowledge of Cambodia's economic and monetary history. Jointly organized the '10,000 Steps for 10,000 Students' campaign to promote reading and awareness of Khmer currency history. The partnership includes supporting study visits for 100,000 students over 3 years.
- Ministry of Education, Youth and Sport (Cambodia)coreCollaborated on the first-ever '10,000 Steps for 10,000 Students' campaign to promote reading culture and financial literacy among Cambodian youth. Partnership includes supporting National Reading Day, school visits to SOSORO museum, and educational promotion across provinces.
- Wing MoneycoreWing Money agent network enables Amret customers to make loan repayments and deposits through Wing's extensive agent network throughout Cambodia, extending Amret's reach beyond its own branch network.
- TrueMoneyminorTrueMoney agents enable Amret customers to make loan repayments and deposit collections through the TrueMoney agent network.
- PiPayminorPiPay e-wallet integration allows Amret customers to transfer funds and make payments through the PiPay digital wallet platform.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
Amret competitors and assessment
Company assessmentDirect peers
- Prasac Microfinance Institution: One of the largest microfinance institutions in Cambodia, serving similar low-income and SME segments with deposit and lending products. Directly comparable in business model, geographic focus, and customer base to Amret.
- LOLC Cambodia: Cambodian microfinance subsidiary of Sri Lanka-based LOLC Group, providing microcredit, SME loans, and deposit services. Closely comparable to Amret in target customers, product suite, and Cambodian market focus.
- Advans Group: International microfinance group operating in multiple emerging markets including Cambodia (Advans Cambodia). Directly comparable in microfinance business model, with Amret's Executive Director Estelle Darie Rousseaux having previously served as Advans Deputy COO.
- Sathapana Bank: Cambodian microfinance institution that converted to a commercial bank, offering similar deposit, loan, and digital banking products. Direct competitor to Amret in the Cambodian microfinance and small business lending space.
- Hattha Bank: Cambodian microfinance institution (now licensed as a bank) that provides microloans, SME lending, and deposit services across Cambodia. Directly comparable to Amret in business model and target market.
Broad incumbents
- ACLEDA Bank: Cambodia's largest commercial bank, originating as a microfinance institution. Offers a broader product suite than Amret (including corporate banking, trade finance, and credit cards) but serves overlapping microfinance and SME customers.
- Bank SinoPac: Taiwan-listed parent company and majority shareholder of Amret. While not a microfinance peer, it is the institutional owner that provides capital, governance, and strategic direction to Amret.
- ABA Bank: One of Cambodia's largest commercial banks with strong retail and SME banking presence. Overlaps with Amret in deposit-taking and SME lending but serves a broader customer base including corporate clients.
Emerging players
- BRAC: Global development organization and one of the world's largest microfinance providers. Comparable to Amret in microfinance mission and customer segment, though operating primarily in South Asia rather than Cambodia.
- Wing Bank (Cambodia): Cambodian digital bank with extensive agent network for deposits, payments, and loans. Competes with Amret's deposit franchise and agent-based services, particularly in mobile-first customer segments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Amret social profiles
Digital presenceAmret financial estimates
Financial estimateRevenue estimate
Valuation estimate
Amret leadership team
Management profileNumber of profiles
Profiles6 records
Amret funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Amret 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 Amret
What does Amret do?
Amret is a Cambodian microfinance institution that provides microcredit loans (Business, Personal, Agriculture, Home Improvement, Women Entrepreneur, Top Up, and Fixed Deposit), savings and deposit accounts, transaction banking, and microinsurance products to individuals and small businesses. It distributes these services through 150 branches, mobile banking, doorstep operations, and third-party agent networks.
Is Amret a public or private company?
Amret is a private company. It is classified as corporate owned and is currently operating.
When was Amret founded?
Amret was founded in 1991. It employs 501 to 1,000 people.
Where is Amret based?
Amret is headquartered in Phnom Penh, Cambodia, in the Asia region.
How does Amret make money?
Four revenue lines are on record. Microcredit Interest Income is the primary driver. The others are savings Deposits, transaction and Service Fees and insurance Products.
Who are Amret's main competitors?
Direct peers on record are Prasac Microfinance Institution, LOLC Cambodia, Advans Group, Sathapana Bank and Hattha Bank. Broad incumbents are ACLEDA Bank, Bank SinoPac and ABA Bank. Emerging players are BRAC and Wing Bank (Cambodia).
Does Amret have an API?
No public API is recorded for Amret.
What industry is Amret in?
Amret's product category is Microfinance / Retail Banking. Its primary akta.pro industry code is BPAGABAM, Microfinance, Financial Inclusion & Inclusive Markets, with a secondary code of FSAKAGAA, Microloans & Working Capital Loans. Its NAICS code is 5221 and its SIC code is 6141.