Cambodia Post Bank

What Cambodia Post Bank does

Cambodia Post Bank Plc. (CPBank) is a Phnom Penh-headquartered commercial bank founded in 2013 that serves retail, small-to-medium enterprise, and corporate customers across Cambodia. The bank offers a full-stack product suite including multi-currency savings accounts (KHR, USD, THB), personal loans (unsecured, auto, mortgage, and agricultural), business and corporate loans, payroll services, corporate banking and taxation support, and VISA-branded Gold and Platinum credit cards with international benefits. CPBank distributes these products through a hybrid model combining a physical branch (365-day operations), ATM/cash-in network, hotline support, and a cloud-based digital banking platform with mobile applications on iOS, Android, and Huawei AppGallery, plus 24/7 online portals for account opening and loan requests.

The bank's revenue model rests on three primary streams: interest income from its loan portfolio (including the recently absorbed Prince Bank portfolio), transaction and fee income from funds transfers, bill payments, ATM withdrawals, card payments, and payroll services, and float/cross-sell income from multi-currency deposit accounts. A wholly-owned subsidiary, FUNAN Microfinance PLC, extends micro-lending to underserved segments, broadening the customer base beyond the traditional bank perimeter. The bank is led by CEO Toch Chaochek and operates as a private public limited company (Plc.) with no public stock exchange listing disclosed; ownership structure is not explicitly stated in available materials.

Recent strategic activity has been heavily weighted toward inorganic growth and partnership-led expansion: CPBank acquired a loan portfolio from Prince Bank Plc. in May 2026, signed an MOU with Sunway Medical Centre for healthcare-adjacent financial services, and continued its core card-issuing partnership with VISA. The bank also received the 'Glory 2026 – Best Retail Bank' award and is investing in digital channel capabilities, including loan and deposit calculators, online loan origination, and an active social media presence. No AI/ML capabilities, public APIs, or patent portfolio are disclosed.

Name

Cambodia Post Bank

Legal name

Cambodia Post Bank Plc.

Website

https://cambodiapostbank.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Cambodia Post Bank (CPBank) is a Phnom Penh-based commercial bank founded in 2013 offering multi-currency deposits, personal and business loans, payroll, and VISA card services to retail, SME, and corporate customers across Cambodia through branches, digital channels, and its FUNAN Microfinance subsidiary.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

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

Keywords

• Retail banking services
• Commercial banking products
• Microfinance lending
• Digital banking platform
• Multi-currency deposits

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: Primary revenue from interest earned on loans including unsecured loans, auto loans, mortgage loans, agriculture loans, and business loans
2. Fee-based Services: Revenue from transaction fees including fund transfers, bill payments, ATM withdrawals, payroll services, and card payments
3. Deposit Account Services: Multi-currency deposit accounts (KHR, USD, THB) generating float income and cross-sell opportunities
4. Card Services: Credit card (VISA Gold & Platinum) and debit card issuance with associated fees and interchange revenue

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Cambodia Post Bank (CPBank) is a Cambodian commercial bank providing retail, business, and corporate banking services. Its core offerings include multi-currency savings and deposit accounts (KHR, USD, THB), personal and business loans (unsecured, auto, mortgage, agriculture), payroll services, VISA-branded credit and debit cards, private banking, and a digital banking platform (mobile app, online account opening, online loan request) for 24/7 self-service account and transaction management.

Product overview

Cambodia Post Bank operates as a Cambodian commercial bank offering a comprehensive suite of banking products and services for both personal and business customers. The bank's product portfolio consists of traditional banking offerings (savings accounts in USD/KHR/THB, personal and business loans, credit cards, and corporate banking services) alongside digital-first offerings including a mobile banking app (iOS/Android/Huawei), online account opening platform, online loan request system, and loan/deposit calculators. The bank also maintains a microfinance subsidiary, FUNAN Microfinance PLC. The core digital experience centers on the CPBank Mobile Banking App and web-based account/loan management platforms accessible 24/7.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Accounts (Multi-Currency Deposits) Interest-bearing deposit accounts available in three currencies (KHR, USD, THB) for retail and business customers, with minimum opening balances (e.g., $10 USD / 40,000 KHR / 400 THB) and access via ATM and branch network.
• Personal Loans Unsecured, auto, mortgage, agricultural, and non-agricultural loans for individual customers to meet personal financing needs.
• Business Loans Loan products tailored for business customers, including working capital and investment financing for SMEs.
• VISA Credit Cards (Gold and Platinum) VISA-branded credit cards in Gold and Platinum tiers with international acceptance and promotional benefits including Plaza Premium Lounge access and merchant discounts.
• Payroll Services Banking services for businesses to manage and disburse employee payroll.
• Private Banking Premium banking service for high-net-worth individuals, offering personalized financial advisory and dedicated relationship management.
• Corporate Banking and Taxation Banking services designed for corporate clients, including large-scale financing, corporate financial management, and tax-related transaction support.
• CPBank Mobile Banking App Mobile banking application available on iOS, Android, and Huawei AppGallery, enabling customers to manage accounts, perform fund transfers, bill payments, and other transactions on mobile devices.
• Online Account Opening 24/7 online platform that allows customers to open savings accounts in USD, Khmer Riel, and Thai Baht with digital document submission and secured, encrypted processing.
• Online Loan Request System Digital loan application portal enabling customers to submit personal loan requests (unsecured, auto, mortgage, agricultural) with online document upload and branch selection.
• FUNAN Microfinance Microfinance subsidiary of CPBank providing micro-lending services to underserved populations in Cambodia.

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered minor, major and core.

• Sunway Medical CentreminorStrategic or Co-development Partner · 5 May 2026CPBank signed an MOU with Sunway Medical Centre, establishing a partnership to provide banking services and potentially integrated healthcare-related financial solutions for customers.
• Prince Bank Plc.majorStrategic or Co-development Partner · 1 May 2026Transfer of loan portfolio from Prince Bank Plc. to Cambodia Post Bank Plc., representing a significant asset acquisition that expands CPBank's loan portfolio and customer base.
• VISAcoreTechnology or Integration · 1 February 2026CPBank issues VISA credit cards (Gold & Platinum) and debit cards, enabling card payments, withdrawals, and premium benefits including Plaza Premium Lounge access internationally.
• FUNAN Microfinance PLCcoreStrategic or Co-development Partner · 1 November 2025FUNAN Microfinance PLC operates as a subsidiary of CPBank, extending microfinance services under the CPBank umbrella to reach underserved customers.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• ABA Bank (Advanced Bank of Asia): Fast-growing Cambodian commercial bank with strong digital banking adoption and broad retail/SME offerings. Competes head-on with CPBank for multi-currency deposits and consumer loans in Cambodia.
• Prince Bank Plc. Cambodian commercial bank that recently transferred its loan portfolio to CPBank. Operates in the same retail and SME segments, making it a highly comparable peer despite the M&A relationship.
• Hattha Bank: Cambodian commercial bank expanding retail and SME banking with an emphasis on digital channels. Competes with CPBank for similar retail and small-business deposit and loan customers.
• Phillip Bank: Cambodian commercial bank offering retail deposits, loans, and trade finance. Comparable multi-currency deposit and SME/commercial lending proposition to CPBank's core business.
• Canadia Bank: Established Cambodian commercial bank serving retail, SME, and corporate customers with multi-currency products. Directly comparable deposit and loan book to CPBank's core offerings.
• ACLEDA Bank: Cambodia's largest domestic commercial bank, offering retail, SME, and corporate banking across an extensive branch and digital network. Most direct competitor to CPBank in the Cambodian mass-market deposit and loan space.
• Wing Bank: Cambodian digital-first bank with strong mobile wallet and consumer banking presence. Competes with CPBank's mobile banking app and digital onboarding for retail deposits and loans.
• Sathapana Bank: Cambodian commercial bank with a broad retail and SME franchise, including payroll and card services. Comparable product mix and customer segments to CPBank.

Regional players

• Kasikornbank (KBANK Cambodia): Thai commercial bank with cross-border retail and SME banking presence in Cambodia. Directly comparable for the THB/USD/KHR multi-currency retail banking corridor that CPBank also targets.
• RHB Indochina Bank: Subsidiary of Malaysian regional banking group RHB, operating in Cambodia with corporate and retail banking services. Comparable product set but with Malaysian parent providing deeper capital and regional reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@cpbankplc
• Facebookfacebook.com/cpbankplc
• LinkedInlinkedin.com/company/cp-bank-plc
• Instagraminstagram.com/cpbank_plc
• TikToktiktok.com/@cpbank_plc?lang=en
• Xx.com/CPBank1

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

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 Cambodia Post Bank