SBI LY HOUR Bank

Name

SBI LY HOUR Bank

Legal name

SBI Bank (Cambodia) Plc.

Website

https://sbilhbank.com.kh

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

501–1,000 employees

Short description

SBI LY HOUR Bank is a Phnom Penh-headquartered, licensed Cambodian commercial bank founded in 2020, serving retail and business customers across physical branches, ATMs, mobile banking (SBI LY HOUR), iBanking, and Bakong/KHQR with deposits, loans, Visa cards, remittances, trade finance, and insurance.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

Keywords

• Retail banking services
• Commercial banking
• Micro lending
• Digital payments
• Money remittance

Headquarters

HQ city

Phnom Penh

HQ country

Cambodia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending products including personal loans and business/commercial loans
2. Transaction and Service Fees: Fees from banking services including remittance/money transfers, card services, and account management
3. Insurance Distribution: Bancassurance revenue through distribution of insurance products to banking customers
4. Digital Banking Services: Revenue from digital banking services including mobile banking, internet banking, and merchant payment solutions

Go-to-market motion1 record

Distribution channels6 records

Marketing channels2 records

Core offering

SBI LY HOUR Bank is a Cambodian commercial bank providing personal banking (savings, personal loans, credit/debit cards including Visa, remittances, insurance distribution) and business banking (business savings, commercial loans, trade finance, corporate remittances) services. These are delivered through physical branches, an ATM network, and digital channels including a mobile banking app, iBanking internet banking, and integration with Cambodia's national Bakong QR payment system and KHQR merchant acceptance solution.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Savings Accounts Personal savings and deposit account services for individual retail banking customers in Cambodia, providing a place to store funds and earn interest.
• Personal Loans Personal credit and loan products for individual borrowers, providing access to consumer financing.
• Cards (Visa Credit/Debit) Credit and debit card services, including Visa card offerings, for personal banking customers to make payments and access credit.
• Personal Remittance Services Money transfer and remittance services for personal customers to send and receive funds domestically and internationally.
• Personal Insurance Products Insurance products and coverage services for personal customers, distributed through bancassurance arrangements.
• Business Savings Accounts Business deposit and savings accounts for commercial customers including small, medium, and large businesses in Cambodia.
• Business Loans Commercial lending and credit facilities providing financing for business customers across small, medium, and large enterprises.
• Commercial Finance / Trade Finance Trade finance and commercial financial services supporting business transactions and trade-related activities.
• Business Remittance Corporate money transfer and remittance solutions for business clients handling commercial payment flows.
• Mobile Banking Application (SBI LY HOUR) Mobile banking application enabling self-service banking including account management, transfers, and payments for personal and business customers on smartphones and tablets.
• iBanking (Internet Banking) Internet banking platform for comprehensive online account management and financial transactions accessible via web browser.
• Bakong QR Payments Integration with Cambodia's national QR code-based digital payment system enabling seamless interoperable fund transfers across participating banks.
• KHQR for Merchants QR code-based payment acceptance solution enabling merchants and businesses to receive customer payments via KHQR.
• ATM Services Automated teller machine services providing cash withdrawals and basic banking transactions through the bank's ATM network in Cambodia.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Direct peers

• ACLEDA Bank: Cambodia's largest commercial bank, offering retail and SME deposits, loans, cards, and digital banking. Most directly comparable given the same full-service, multi-channel model targeting Cambodian consumers and businesses.
• ABA Bank: Major Cambodian commercial bank with strong digital and retail franchise including ABA Mobile. Comparable as a licensed deposit-taker and broad product provider competing for the same retail and SME customers.
• Canadia Bank: Established Cambodian commercial bank offering personal and business banking, trade finance, and digital channels. Directly comparable as a full-service domestic incumbent in the same regulatory environment.
• Wing Bank (Cambodia): Cambodian commercial bank with a strong digital payments and mobile wallet franchise. Comparable for its focus on digital-first retail banking and merchant QR solutions in the same market.
• Sathapana Bank: Cambodian commercial bank providing savings, loans, cards, and digital banking to retail and SME customers. Directly comparable as a domestic full-service commercial peer.
• Hattha Bank: Cambodian commercial bank serving retail and SME segments with deposits, lending, and digital channels. Comparable as a domestic licensed bank targeting similar customer use cases.
• Cambodian Public Bank: Cambodian subsidiary of Malaysia's Public Bank group offering retail and commercial banking. Comparable as a domestically licensed competitor pursuing similar retail and SME segments.

Regional players

• Maybank Cambodia: Cambodian branch of Malaysia's Maybank, offering retail and commercial banking. Comparable as a regionally headquartered bank operating in Cambodia's same regulatory space.
• VP Bank Cambodia: Cambodian subsidiary of Liechtenstein-based VP Bank Group, focused on commercial and wealth banking. Comparable as an internationally affiliated competitor operating in Cambodia's banking market.

Others

• State Bank of India: India's largest commercial bank and the apparent strategic affiliate behind the SBI branding. Relevant as the potential parent/partner whose international expertise and franchise SBI LY HOUR Bank leverages.

Market position

Customer concentration

• Facebookfacebook.com/sbilhbank.com.kh
• LinkedInlinkedin.com/company/sbi-ly-hour-bank-plc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 SBI LY HOUR Bank