Phnom Penh Commercial Bank

Name

Phnom Penh Commercial Bank

Legal name

Phnom Penh Commercial Bank

Website

https://ppcbank.com.kh

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industry

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

Keywords

• Commercial banking
• Deposit accounts
• Business lending
• Payment cards
• Digital banking

Headquarters

HQ city

Phnom Penh

HQ country

Cambodia

HQ region

Asia

Offices11 records

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: Income from lending activities including home loans, car loans, business loans, and other credit facilities. Interest income for 2025 was $99,903,587 USD.
2. Fee Income: Fees from various banking services including account maintenance, transfers, card services, trade finance, and other service charges. Fee income for 2025 was $4,179,457 USD.
3. Deposit Taking: Retail and corporate deposits including savings accounts, current accounts, and fixed deposits. Total customer deposits as of 2025 were $694,022,264 USD.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Phnom Penh Commercial Bank is a commercial bank based in Phnom Penh, Cambodia, offering banking products and financial services. The bank serves customers across Cambodia with traditional banking offerings including deposit accounts, loans, and payment services through its branch network and digital channels.

Product overview

PPCBank offers a comprehensive banking platform consisting of a consumer-facing Mobile Banking App, business banking tools (smartBiz, smartPay, Virtual Account, Payroll), trade finance services (Letter of Credit, Bank Guarantee, Escrow), and fintech products (API Suites, Payment Gateway). The core digital banking experience centers on the Mobile App for consumers and smartBiz for businesses, supplemented by various deposit accounts (Savings, Fixed Deposit, Buddy Bank, Piggy Bank, Junior Savings), loan products (Home, Car, Business), and card products (Visa Prestige Plus, Debit, Credit, Virtual, Business Gold, CSS). All services are integrated with payment networks including Western Union, Wing, AMK, Visa, and KHQR/Bakong for seamless domestic and international transactions.

Differentiator

Problem solved

Functional benefit

Brands

• Buddy Bank: Cambodia's first shared savings account designed for families, friends, and teams to manage money together with transparency.
• Piggy Bank
• smartBiz
• smartPay
• KHQR

Products and services

• Personal Banking Services
• Business Banking Services

Quantifiable outcome

• 53 countries worldwide covered by Global Easy Transfer service
• +3 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature7 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• Raksa Koma OrganizationminorOthers · 12 May 2026CSR partnership for rural school sanitation project, building hygiene facilities at Chhbar North Primary School in Kampong Thom province.
• VisacoreChannel Partner/ Reseller/ DistributorVisa is the card network partner for PPCBank's card portfolio including debit, credit, and prepaid cards. PPCBank issues various Visa cards including Prestige Plus, Visa Debit, Visa Credit, Visa Virtual, and Visa Business cards.
• Western UnioncoreTechnology or IntegrationWestern Union international money transfer service available at PPCBank branches and through mobile banking for inbound and outbound transfers.
• WingcoreTechnology or IntegrationWing mobile money integration for fund transfers between PPCBank accounts and Wing wallets.
• Kantha Bopha HospitalminorOthersCSR partnership supporting the '1000 Riels 1000 Lives' campaign for children's healthcare.
• Move by LM-CARminorGTM or Marketing PartnerRide-hailing partner offering 20% discount on Move rides for PPCBank Visa cardholders.
• Grab CambodiaminorGTM or Marketing PartnerTransportation partner with promotional discounts for PPCBank Business Visa cardholders.
• Booking.comminorGTM or Marketing PartnerTravel partner offering up to 7% cashback on accommodation bookings for Prestige Plus cardholders.
• Plaza Premium LoungeminorGTM or Marketing PartnerAirport lounge partner offering 25% discount at Phnom Penh International Airport for PPCBank Visa cardholders.
• Sunrise Japan HospitalminorGTM or Marketing PartnerHealthcare partner offering discounts on health checkup packages at Sunrise Phnom Penh and Sunrise Sen Sokh medical centers.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ABA Bank: Largest privately-owned commercial bank in Cambodia by assets, offering retail, SME, and digital banking products through a national branch and mobile network. Most directly comparable to PPCBank on customer segments, product mix, and Cambodian geographic focus.
• Canadia Bank: Major Cambodian commercial bank providing personal, business, and trade finance services with a multi-branch network. Overlaps directly with PPCBank on deposits, loans, cards, and trade finance.
• ACLEDA Bank: Cambodia's largest domestic bank by branch network and a leading microfinance-turned-commercial bank with extensive SME and retail reach. Closely comparable on deposit taking, SME lending, and nationwide Cambodian footprint.
• Sathapana Bank: Cambodian commercial bank originally rooted in microfinance, now offering full retail, SME, and corporate banking with a growing digital channel. Comparable on product breadth and Cambodian SME focus.
• Cambodia Post Bank (CPBank): State-linked Cambodian commercial bank with nationwide reach including post office distribution. Comparable as a domestic full-service commercial bank competing for the same retail and SME customers.

Regional players

• Maybank Cambodia: Cambodian subsidiary of Malaysia's Maybank, offering commercial and SME banking in Cambodia. Comparable on product mix but backed by a larger regional parent with deeper capital.
• BRED Bank Cambodia: Cambodian subsidiary of France's Groupe BRED, focused on retail, SME, and trade finance. Comparable in product offering, with parent backing providing funding and product expertise.
• CIMB Bank Cambodia: Cambodian branch of Malaysian CIMB Group offering consumer and SME banking. Comparable on product range and digital strategy, with regional capital behind it.

Others

• AMK Microfinance Institution: Large Cambodian microfinance deposit-taking institution providing small loans and savings. Comparable as a deposit and transfer partner for PPCBank and as an adjacent competitor for mass-market and SME customers.

Emerging players

• Wing Bank (Cambodia): Cambodian digital-first bank and mobile money operator with deep agent network. Comparable on digital banking, mobile app, and e-KYC, but with a much lighter branch footprint than PPCBank.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCs-HN4QnT0Nuh7nyzvJoUMQ
• Facebookfacebook.com/PPCBank
• LinkedInkh.linkedin.com/company/ppcbank
• Instagraminstagram.com/ppcbank_cambodia
• TikToktiktok.com/@ppcbank

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 Phnom Penh Commercial Bank