FUNAN Microfinance PLc, Competitors

Welcome to ABA Bank, Cambodia's premier private financial institution. Established in 1996 as the Advanced Bank of Asia Limited, we have become Cambodia's largest commercial bank by assets, deposits, loans, and profitability, according to the Annual Supervision Report 2021 - 2023 of the National Bank of Cambodia. With 27 years in the banking industry, ABA has significantly strengthened its position in the market to offer a comprehensive range of services to customer segments, including SMEs, micro-businesses, and individuals. Our wide-reaching footprint covers 101 branches, 1,800+ self-banking machines, and advanced online and mobile banking platforms, providing our customers with the convenience of modern financial services wherever they are. ABA Bank is a subsidiary of National Bank of Canada (www.nbc.ca), a financial institution that boasts assets of around $332 billion as of October 31, 2024, and a massive network of correspondent banks worldwide. As a shareholder of ABA Bank since 2014, National Bank of Canada became the first major financial institution from North America to enter the Cambodian banking market. In 2017, ABA Bank was awarded a long-term and short-term issuer credit rating of 'B' by Standard & Poor's Global Ratings. This rating was later upgraded to 'B+' with a Stable outlook in 2020 and reaffirmed in 2024.

Cellcard is a Cambodian-owned and operated mobile telecommunications operator, a category pioneer with over 20 years of service, and currently one of the biggest operators in the Kingdom. The company’s commitment to providing access to mobile technology and connectivity to all Cambodians has led to a long history of firsts, including nationwide coverage and prepaid services (1998), SMS and roaming services (2001), 3G network and streaming services (2005), the first credit sharing platform (2006), the first mobile payment platform (2010), and the first and biggest rewards program (2013). Over the years Cellcard has become the standard for quality, value and customer service. Cellcard is currently the Ookla Speed Test Award title holder (2017) and is also recognised by OpenSignal (2018) as (1) Cambodia’s Fastest 4G Network, and (2) Cambodia’s Fastest Overall Network. The current network program is focused on delivering Pre5G with ZTE, building the bridge between 4G and 5G. Since Cellcard launched its 4G network and the generous data offers, the Kingdom has experienced a 36% growth in mobile data subscribers (The Role of Mobile Telecoms in Transforming Cambodia 2017). The report suggests the growth could have contributed up to 2.87% uplift in GDP, translating to US 609,588,000. As a Cambodian owned telecommunications company, Cellcard remains committed to servicing Cambodia and its people, making mobile services accessible and affordable to everyone, and making significant contributions to the country’s economic growth. Cellcard is a trademark of CamGSM Co. Ltd, a corporation duly established in 1996 as a joint venture between the Luxembourg-based Millicom International Cellular S.A. (61.5%) and Cambodia’s Royal Group of Companies (38.5%). Complete ownership was acquired by the Royal Group of Companies on November 2009. Today, Cellcard remains to be the only Cambodian-owned mobile network in the Kingdom.

Who We are? Amret is a leading micro-finance institution and one of the top 10 financial institutions in Cambodia. It has prestigious international shareholders, is a full subsidiary of the Advans group and has earned a respected national and international reputation as a responsible and innovative institution. Throughout its evolution, Amret has remained true to its mission – to provide underserved clients with financial services tailored to their needs. To support Cambodian entrepreneurship Amret has developed a suite of financial services, including flexible and easily accessible loans for farmers as well as for medium loans for micro, small and medium enterprises. Moreover, Amret is offering a full suite of deposit, saving, payment, and transfer services for rural and urban households and enterprises to manage their budget and realize their projects all over Cambodia. All these services are delivered in our branches and via several digital channels with the outmost professionalism and with a particular emphasis on high quality customer service and personal relationship. Vision To be an outstanding financial institution that improves the living standards of the population and contributes to the economic and social development of Cambodia Mission To provide a wide range of financial services for low income people as well as micro, small and medium enterprises – while at the same time achieving a high level of financial and social performance.