Cambodian Public Bank

What Cambodian Public Bank does

Cambodian Public Bank Plc. (operating as 'Campu Bank') is a Cambodia-licensed commercial bank established on 25 May 1992 as a wholly-owned subsidiary of Malaysia's Public Bank Group — Malaysia's third-largest banking group with USD 138B in group assets. The bank is headquartered in Phnom Penh and operates a multi-city branch network including Phnom Penh, Kampot, Kampong Cham, and Bavet, serving retail consumers, small and medium enterprises, commercial/corporate clients, and affluent customers through its Red Carpet Banking Centre. The bank has posted 33 consecutive years of unbroken profitability and reports the highest return on equity, best asset quality, and most efficient cost-to-income ratio among Cambodian banks.

The product architecture spans deposits (savings, current, fixed deposit), lending (HOME PLan mortgage, Vehicle Loan, Overdraft, Fixed Loan, Trade Financing, SME financing, Special Refinancing), cards (Visa and Mastercard credit and debit, including the Campu Bank Visa Infinite at USD 888 annual fee), and remittance/FX services. Digital delivery runs through CPBe Internet Banking (128-bit SSL encrypted), the PB engage KH mobile app, the CPB SecureSign Soft Token, and integration with Cambodia's national payment rails (Bakong e-Wallet, KHQR) for interbank transfers and cross-border QR payments. The financial ecosystem extends to two wholly-owned subsidiaries — Campu Lonpac Insurance Plc. for bancassurance and Campu Securities Plc. for securities underwriting, dealing and brokerage — while property holdings sit under CPB Properties Co., Ltd.

Revenue is generated through net interest spread on the loan and deposit book, transaction and interchange fees on cards and payments, annual card fees, commissions from bancassurance and securities distribution, FX spreads on published daily rates (USD, KHR, AUD, CHF, CNY, EUR, GBP, HKD, JPY, SGD, THB), and remittance fees including Renminbi cross-border campaigns. Distribution combines branch-based relationship management (including dedicated Red Carpet Centres for affluent clients) with self-serve digital channels (mobile, web, card application portal at apply.pbebank.com.kh), supported by group-level governance from Public Bank Group and recognised in 2025 with three Visa awards — Commercial Card Volume Growth, Spend per Active Card in Affluent Segment, and Champion Security.

Name

Cambodian Public Bank

Legal name

Cambodian Public Bank Plc.

Website

https://cpbebank.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

101–250 employees

Short description

Cambodian Public Bank is a Cambodia-licensed retail and commercial bank, wholly owned by Malaysia's Public Bank Group, serving consumers, SMEs, and affluent customers in Phnom Penh and regional branches since 1992 with deposits, loans, cards, digital banking, and ecosystem-linked insurance and securities services.

Ownership category

akta.pro rank

Headquarters

HQ city

Phnom Penh

HQ country

Cambodia

HQ region

Asia

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Personal Banking Services: Deposit accounts (savings, current, fixed deposit), remittance services, and day-to-day banking operations
2. Loan Products: Home loans, vehicle loans, fixed loans, overdrafts, trade financing, and SME financing
3. Credit Card Services: Credit card issuance with annual fees, cashback programs, and transaction fees
4. Bancassurance: General insurance products distributed through bank branches via Campu Lonpac Insurance Plc.
5. Securities Services: Securities underwriting, dealing and brokerage services via Campu Securities Plc.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels9 records

Core offering

Cambodian Public Bank (Campu Bank) is a commercial bank providing personal and business banking services in Cambodia. Its core offerings include deposit accounts (savings, current, fixed deposit), consumer and commercial loans (home, vehicle, SME, trade financing, overdrafts), credit and debit cards, remittance, foreign exchange, wealth management via Red Carpet Banking Centres, and digital banking through the PB engage KH mobile app and CPBe Internet Banking platform. The bank also distributes insurance and securities products through wholly-owned subsidiaries Campu Lonpac Insurance Plc. and Campu Securities Plc.

Product overview

Cambodian Public Bank (Campu Bank) operates as a comprehensive retail and commercial banking institution offering a platform-plus-services architecture. The core digital banking platform consists of CPBe Internet Banking (web-based) and PB engage KH (mobile app), supported by security features including SecureSign Token and CPB SecureSign Soft Token. The bank provides deposit products (Savings, Current, Fixed Deposit accounts), lending solutions (HOME PLan mortgages, Vehicle Loans, SME financing, Trade Financing, Overdrafts, Fixed Loans, and Refinancing schemes), card products (Visa and Mastercard credit and debit cards including the premium Campu Bank Visa Infinite), and remittance services (including Renminbi remittance to China). Digital payment integrations include Bakong e-Wallet and KHQR for cross-border QR payments. Premium services include the Red Carpet Banking Centre for wealth management clients. The bank extends its financial ecosystem through subsidiaries Campu Lonpac Insurance (general insurance) and Campu Securities (securities brokerage).

Differentiator

Problem solved

Functional benefit

Brands

• PB engage KH: Mobile banking application for Cambodian Public Bank customers
• CPBe Internet Banking
• Campu Bank Visa Infinite Credit Card
• Red Carpet Banking

Products and services

• Savings Account Personal savings deposit account for accumulating and growing customer savings with competitive interest rates. Targeted at individual customers seeking to hold deposits with the bank.
• Current Account Non-interest bearing transactional account for daily banking needs and business operations, used by individuals and businesses for routine payments and receipts.
• Fixed Deposit Account Time deposit account offering guaranteed returns for specified tenures at competitive interest rates, targeted at individual and business depositors seeking predictable yield.
• HOME PLan (Home Loan) Housing loan product for purchasing, constructing, or renovating residential properties, offered to individuals with promotional rates under the MarketSurge campaign.
• SWIFT Plan (Business Loan) Commercial loan product for business financing needs, offered under the MarketSurge campaign with promotional rates for SME and commercial borrowers.
• Vehicle Loan Financing product for purchasing cars and other vehicles with competitive rates and flexible repayment terms, targeted at individual consumers and businesses acquiring vehicles.
• Overdraft Credit facility allowing account holders to withdraw beyond available balance up to an approved limit, used by individuals and businesses for short-term liquidity needs.
• Fixed Loan Term loan with fixed repayment schedule for various personal and business financing needs.
• Trade Financing Import and export financing services including letters of credit, documentary collections, and supply chain financing for businesses engaged in cross-border trade.
• Special Financing for SMEs Dedicated financing solutions tailored for small and medium enterprises with specialized requirements for working capital and business expansion.
• Special Refinancing Scheme Debt restructuring product allowing customers to refinance existing loans for better terms, targeted at borrowers seeking improved repayment conditions.
• Campu Bank Visa Infinite Credit Card Premium credit card with unlimited 0.5% cashback on overseas purchases and 0.3% on local purchases, complimentary USD200,000 travel insurance, and unlimited Global Plaza Premium Lounge access. Annual fee USD888 principal / USD588 supplementary. Targeted at affluent cardholders.
• Credit Card Credit card products including Visa and Mastercard variants with various benefit tiers and promotional offers, available to individual consumers.
• Debit Card Debit card products linked to savings or current accounts for ATM withdrawals and point-of-sale transactions.
• Remittance Services International money transfer services including Renminbi remittance campaigns for cross-border transactions to China, available to individual customers and businesses.
• Foreign Exchange Services Currency exchange services with daily published exchange rates for major currencies including USD, KHR, AUD, CHF, CNY, EUR, GBP, HKD, JPY, SGD, and THB.
• CPBe Internet Banking Online banking platform enabling customers to access accounts, perform transactions, and manage finances via web browser with 128-bit SSL encryption security.
• PB engage KH Mobile Banking App Mobile banking application for iOS and Android devices providing enhanced mobile banking experience with push notifications, transaction alerts, and contactless payment capabilities.
• Red Carpet Banking Centre Premium banking service with dedicated relationship managers providing personalized financial and wealth planning services to high-net-worth customers.
• Campu Lonpac Insurance General insurance products (including travel insurance bundled with credit cards) offered through wholly-owned subsidiary Campu Lonpac Insurance Plc., distributed via bank branches under a bancassurance model.
• Campu Securities Securities underwriting, dealing and brokerage services offered through wholly-owned subsidiary Campu Securities Plc., available to investors.

Quantifiable outcome

• 33 consecutive years of unbroken profitability
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

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

• Public Bank Group (Malaysia)coreOthersPublic Bank Group is the parent company and ultimate holding entity of Cambodian Public Bank Plc. As a wholly-owned subsidiary, Cambodian Public Bank operates under the branding, governance framework, and operational methodology of the Public Bank Group, one of Malaysia's largest banking groups.
• Campu Lonpac Insurance Plc.coreStrategic or Co-development PartnerSubsidiary company providing general insurance products distributed through Cambodian Public Bank's branch network under a bancassurance model.
• Campu Securities Plc.coreStrategic or Co-development PartnerSubsidiary company providing securities underwriting, dealing, and brokerage services. The bank's reputation includes provision of complete financial solutions via Campu Securities.
• VISAmajorTechnology or IntegrationCard network partnership for issuing Visa-branded credit and debit cards. The bank offers multiple Visa card products with international acceptance and benefits including travel insurance and lounge access.
• MastercardmajorTechnology or IntegrationCard network partnership for issuing Mastercard-branded credit and debit cards with international acceptance.
• National Bank of Cambodia (Bakong)coreTechnology or IntegrationIntegration with Cambodia's national digital payment infrastructure including Bakong e-Wallet and KHQR payment standards for interbank fund transfers and QR payments.
• Public Mutual BerhadminorOthersRelated entity within Public Bank Group offering unit trust products, mentioned as part of group website network.
• Public Bank Lao LimitedminorOthersRegional subsidiary within Public Bank Group network, mentioned as part of group websites linkage.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• ABA Bank: One of Cambodia's largest commercial banks with strong retail, SME, and digital banking franchises. Directly competes with Cambodian Public Bank across deposit, lending, and card products in the Cambodian market.
• Wing Bank (Cambodia): Cambodia's leading digital-first bank with strong retail and microfinance heritage. Directly comparable as a Cambodian bank competing for digital deposit and payment customers.
• Sathapana Bank: Cambodian commercial bank with a strong retail and SME focus, expanding into digital banking. Comparable to Cambodian Public Bank as a domestic peer competing for similar mass-market and SME customers.
• ACLEDA Bank: Cambodia's largest domestic commercial bank, offering retail deposits, SME lending, and digital banking. Directly comparable to Cambodian Public Bank as a full-service Cambodian commercial bank targeting the same consumer and SME segments.
• Phillip Bank Cambodia: Cambodian commercial bank serving retail, SME, and corporate customers. Comparable as a domestic peer with a similar full-service banking model and regional group affiliation.
• Canadia Bank: Major Cambodian commercial bank offering personal, SME, and corporate banking. Directly comparable as a domestic full-service bank serving overlapping retail and commercial customer segments.
• Cambodia Mekong Bank: Cambodian commercial bank offering retail, SME, and trade finance products. Comparable as a domestic peer competing for similar deposit, lending, and payment customers.
• Vattanac Bank: Cambodian commercial bank serving retail, SME, and corporate clients. Comparable as a domestic full-service competitor in deposits, lending, and digital channels.

Broad incumbents

• Maybank Cambodia: Cambodian subsidiary of Maybank, one of Southeast Asia's largest banking groups. Comparable as a regional banking group's full-service Cambodian operation targeting similar consumer and SME segments.
• Public Bank Vietnam: Sister subsidiary within Public Bank Group operating in Vietnam. Comparable as a regional Public Bank Group entity replicating similar retail and SME banking playbooks in another Southeast Asian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCdGP1SoRIiSxinYSsxqDeVg
• Facebookfacebook.com/publicbankkh
• LinkedInlinkedin.com/company/cambodian-public-bank-plc
• Instagraminstagram.com/publicbankkh?utm_source=qr

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 records

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 Cambodian Public Bank