BRED Bank Cambodia
BRED Bank Cambodia is a Phnom Penh-based, BRED Group (France)-owned commercial bank serving Cambodian personal and business customers with retail lending, deposits, cards, trade and FX services, and digital banking via the BRED Connect and BRED Business Connect platforms.
- Company typePrivate
- Founded2017
- HeadquartersPhnom Penh, Cambodia
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What BRED Bank Cambodia does
BRED Bank Cambodia (legal entity: BRED BANK (Cambodia) Plc.) is a Phnom Penh-headquartered commercial bank and wholly-owned subsidiary of French banking group BRED (Banque Populaire Régionale de Développement). Founded in 2017, the bank operates exclusively within Cambodia with 51-100 employees, delivering a dual-segment retail and commercial banking proposition: personal banking (tiered packages Silver/Gold/Platinum/World, home/car/personal/secured loans, savings products, credit cards, and the BRED Connect mobile and internet banking platform) and business banking (Classic and Corporate packages, working capital, asset and trade finance, cash management, merchant/payment services, payroll, escrow, FX services across USD/EUR/KHR/THB, and the BRED Business Connect online platform).
The technology stack centers on proprietary digital banking infrastructure rather than AI: BRED Connect (web and iOS/Android mobile app via 'Saphir' core) for personal customers and BRED Business Connect for corporate clients, supported by an in-house currency exchange platform and a 24/7 call center. Distribution is multi-channel across branches, ATMs, the two digital platforms, app stores, and social channels (Facebook, LinkedIn, YouTube, Telegram). There is no disclosed API, SDK, or AI/ML capability in the input.
Revenue mechanics follow a standard commercial banking model: net interest income from lending (home, car, personal, secured, working capital, asset, and trade finance), interest-rate spreads on deposits and fixed-term accounts, transaction and service fees (cash management, payroll, merchant services, credit cards), and FX margins on multi-currency transactions. Go-to-market is sales-led with dedicated relationship managers for business clients and a horizontal segmentation approach across mass-affluent retail and SME-to-mid-market corporate segments. Pricing is not publicly disclosed; customers are directed to branches for personalized quotes.
BRED Bank Cambodia firmographics
Firmographics- Name
- BRED Bank Cambodia
- Legal name
- BRED BANK (Cambodia) Plc.
- Website
- https://bredcambodia.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- BRED Bank Cambodia is a Phnom Penh-based, BRED Group (France)-owned commercial bank serving Cambodian personal and business customers with retail lending, deposits, cards, trade and FX services, and digital banking via the BRED Connect and BRED Business Connect platforms.
- Ownership category
- akta.pro rank
BRED Bank Cambodia industry classification
Industry- Product category
- Retail and Commercial Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where BRED Bank Cambodia is headquartered
LocationHeadquarters
- HQ city
- Phnom Penh
- HQ country
- Cambodia
- HQ region
- Asia
Offices1 record
Markets served
BRED Bank Cambodia business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income from Lending: Traditional banking interest income from providing home loans, car loans, personal loans, working capital financing, asset finance, and trade finance to personal and business customers
- Deposit and Savings Products: Revenue generation from savings accounts, fixed term deposits, and current accounts with interest rate differentials
- Transaction and Service Fees: Fees from cash management services, payroll processing, merchant payment services, credit cards, and other banking transactions
- Foreign Exchange Services: Revenue from currency exchange services and international transaction processing
Go-to-market motion1 record
Distribution channels7 records
Marketing channels7 records
BRED Bank Cambodia product offering
Product offeringCore offering
BRED Bank Cambodia is a European-style commercial bank offering personal and business banking services in Cambodia. It provides tiered personal account packages (Silver, Gold, Platinum, World), home/car/personal loans, savings and fixed-term deposits, credit cards, and digital banking via BRED Connect. For business clients, it offers corporate banking packages (Classic, Corporate), working capital, asset and trade finance, cash management, payroll, merchant payment services, escrow, and currency exchange through dedicated relationship managers.
Product overview
BRED Bank Cambodia operates as a European bank offering a comprehensive dual-platform structure for Personal and Business Banking. The personal banking platform provides tiered account packages (Silver, Gold, Platinum, World), diverse lending products (home loans, car loans, personal loans, secured personal loans, ADVANCE consumer finance), multiple savings options (Build Your Future, Savings Plus, Fixed Term Deposits), credit cards, and digital banking via BRED Connect web and mobile app. The business banking platform offers corporate packages (Classic, Corporate), comprehensive lending (working capital, asset finance, trade finance), cash management services, business solutions including merchant/payment services, payroll processing, escrow, and currency exchange through Global Markets. The bank operates under BRED Bank Group (France) and maintains international banking standards with 24/7 call center support.
Differentiator
Problem solved
Functional benefit
Brands
- BRED Connect: Personal banking digital platform for individual customers to manage accounts, make bill payments, and access banking services on mobile.
- BRED Business Connect
- ADVANCE
Products and services
- Business Packages (Classic & Corporate)
Companies that use BRED Bank Cambodia
Customer profileSegments2 records
Ideal customer profiles2 records
BRED Bank Cambodia technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
BRED Bank Cambodia partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- ADVANCEcoreADVANCE is a consumer finance brand offered by BRED Bank Cambodia. The partnership appears to be an internal brand extension providing consumer lending solutions to customers. ADVANCE is promoted across both business and personal banking channels, indicating it is a core product partnership within the BRED ecosystem.
Scale indicators1 record
Recent moves4 records
Expansion highlights5 records
BRED Bank Cambodia competitors and assessment
Company assessmentRegional players
- CIMB Bank Cambodia: Cambodian branch of CIMB Group (Malaysia/ASEAN), offering commercial banking, trade finance, and SME lending. A regional banking subsidiary peer competing for the same corporate and trade-finance customers targeted by BRED Bank Cambodia's Global Markets and lending products.
- Maybank Cambodia: A subsidiary of Malaysia's Maybank group operating in Cambodia, offering commercial banking to corporates and SMEs. Comparable as a foreign-bank subsidiary competing in Cambodia's corporate/SME banking segment where BRED Bank Cambodia also operates.
- RHB Bank Cambodia: Cambodian subsidiary of Malaysia's RHB Banking Group offering commercial and SME banking. A foreign-bank subsidiary peer competing for similar cross-border trade, FX, and corporate banking customers in Cambodia.
Direct peers
- Sathapana Bank: Cambodia-based commercial bank offering personal and business banking, savings, loans, and digital channels. Directly comparable in scale and product breadth to BRED Bank Cambodia for retail and SME deposit and lending customers.
- ACLEDA Bank: ACLEDA is one of Cambodia's largest commercial banks with an extensive branch and ATM network, offering personal and SME banking, microfinance, and trade finance. It is a primary direct competitor to BRED Bank Cambodia for both retail and business deposits and lending.
- Wing Bank (Cambodia): Cambodia's leading digital-first bank offering deposits, payments, loans, and mobile wallet services. Competes with BRED Bank Cambodia's BRED Connect mobile app and consumer lending products, particularly in retail and unbanked-to-banked segments.
- Canadia Bank: One of Cambodia's established private commercial banks, providing personal banking, corporate lending, trade finance, and FX services. Directly overlaps with BRED Bank Cambodia's deposit, lending, and FX offerings across similar customer segments.
- ABA Bank: Cambodia's largest domestic commercial bank, offering personal and business banking, lending, deposits, and a leading mobile app (ABA Mobile). Directly competes with BRED Bank Cambodia across both retail and SME segments, with significantly larger scale and brand recognition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
BRED Bank Cambodia social profiles
Digital presenceBRED Bank Cambodia financial estimates
Financial estimateRevenue estimate
Valuation estimate
BRED Bank Cambodia leadership team
Management profileNumber of profiles
BRED Bank Cambodia funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BRED Bank Cambodia 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 BRED Bank Cambodia
What does BRED Bank Cambodia do?
BRED Bank Cambodia is a European-style commercial bank offering personal and business banking services in Cambodia. It provides tiered personal account packages (Silver, Gold, Platinum, World), home/car/personal loans, savings and fixed-term deposits, credit cards, and digital banking via BRED Connect. For business clients, it offers corporate banking packages (Classic, Corporate), working capital, asset and trade finance, cash management, payroll, merchant payment services, escrow, and currency exchange through dedicated relationship managers.
Is BRED Bank Cambodia a public or private company?
BRED Bank Cambodia is a private company. It is classified as corporate owned and is currently operating.
When was BRED Bank Cambodia founded?
BRED Bank Cambodia was founded in 2017. It employs 51 to 100 people.
Where is BRED Bank Cambodia based?
BRED Bank Cambodia is headquartered in Phnom Penh, Cambodia, in the Asia region.
How does BRED Bank Cambodia make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit and Savings Products, transaction and Service Fees and foreign Exchange Services.
Who are BRED Bank Cambodia's main competitors?
Regional players on record are CIMB Bank Cambodia, Maybank Cambodia and RHB Bank Cambodia. Direct peers are Sathapana Bank, ACLEDA Bank, Wing Bank (Cambodia), Canadia Bank and ABA Bank.
Does BRED Bank Cambodia have an API?
No public API is recorded for BRED Bank Cambodia.
What industry is BRED Bank Cambodia in?
BRED Bank Cambodia's product category is Retail and Commercial Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 522110 and its SIC code is 6021.