Phnom Penh Commercial Bank
- Company typePrivate
- Founded2008
- HeadquartersPhnom Penh, Cambodia
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
Phnom Penh Commercial Bank firmographics
Firmographics- 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
Phnom Penh Commercial Bank industry classification
Industry- 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
Where Phnom Penh Commercial Bank is headquartered
LocationHeadquarters
- HQ city
- Phnom Penh
- HQ country
- Cambodia
- HQ region
- Asia
Offices11 records
Markets served
Phnom Penh Commercial Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Banking - Savings and Deposits |
| Subscription | Annual | Personal Banking - Fixed Deposits |
| Transaction based/ take rate | Pay-as-you-go | Fund Transfer Services |
| Transaction based/ take rate | Monthly | Card Services |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
Phnom Penh Commercial Bank product offering
Product offeringCore 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
Companies that use Phnom Penh Commercial Bank
Customer profileSegments4 records
Ideal customer profiles2 records
Phnom Penh Commercial Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature7 records
Phnom Penh Commercial Bank partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered minor and core.
- Raksa Koma OrganizationminorCSR partnership for rural school sanitation project, building hygiene facilities at Chhbar North Primary School in Kampong Thom province.
- VisacoreVisa 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 UnioncoreWestern Union international money transfer service available at PPCBank branches and through mobile banking for inbound and outbound transfers.
- WingcoreWing mobile money integration for fund transfers between PPCBank accounts and Wing wallets.
- Kantha Bopha HospitalminorCSR partnership supporting the '1000 Riels 1000 Lives' campaign for children's healthcare.
- Move by LM-CARminorRide-hailing partner offering 20% discount on Move rides for PPCBank Visa cardholders.
- Grab CambodiaminorTransportation partner with promotional discounts for PPCBank Business Visa cardholders.
- Booking.comminorTravel partner offering up to 7% cashback on accommodation bookings for Prestige Plus cardholders.
- Plaza Premium LoungeminorAirport lounge partner offering 25% discount at Phnom Penh International Airport for PPCBank Visa cardholders.
- Sunrise Japan HospitalminorHealthcare 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
Phnom Penh Commercial Bank competitors and assessment
Company assessmentDirect 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
Phnom Penh Commercial Bank social profiles
Digital presencePhnom Penh Commercial Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Phnom Penh Commercial Bank leadership team
Management profileNumber of profiles
Phnom Penh Commercial Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Phnom Penh Commercial 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 Phnom Penh Commercial Bank
What does Phnom Penh Commercial Bank do?
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.
Is Phnom Penh Commercial Bank a public or private company?
Phnom Penh Commercial Bank is a private company. It is classified as unknown and is currently operating.
When was Phnom Penh Commercial Bank founded?
Phnom Penh Commercial Bank was founded in 2008. It employs 251 to 500 people.
Where is Phnom Penh Commercial Bank based?
Phnom Penh Commercial Bank is headquartered in Phnom Penh, Cambodia, in the Asia region.
How does Phnom Penh Commercial Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fee Income and deposit Taking.
Who are Phnom Penh Commercial Bank's main competitors?
Direct peers on record are ABA Bank, Canadia Bank, ACLEDA Bank, Sathapana Bank and Cambodia Post Bank (CPBank). Regional players are Maybank Cambodia, BRED Bank Cambodia and CIMB Bank Cambodia. AMK Microfinance Institution is listed as an others. Wing Bank (Cambodia) is listed as an emerging player.
Does Phnom Penh Commercial Bank have an API?
No public API is recorded for Phnom Penh Commercial Bank.
What industry is Phnom Penh Commercial Bank in?
Phnom Penh Commercial Bank's product category is Commercial Banking. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 522110 and its SIC code is 6021.