Cambodia National Bank Reports Low 3.3% Net Non-Performing Loan Ratio
Cambodia National Bank Reports Low 3.3% Net Non-Performing Loan Ratio
PHNOM PENH, 28 July 2026 — Cambodia’s banking sector maintained a net non-performing loan (NPL) ratio of 3.3% in the first half of 2026, indicating that banks and financial institutions have sufficient capacity to absorb potential losses, according to the National Bank of Cambodia (NBC).
The figures were presented during the central bank’s review of its first-half performance and priorities for the second half of 2026, chaired by NBC Governor Chea Serey on Monday.
Chea Serey said the central bank has continued to strengthen supervision through proactive, risk-based regulation that takes into account both systemic risks and the need to support economic activity.
She said banks had increased loan-loss provisions to manage rising non-performing loans, helping keep the net NPL ratio at 3.3%, a level that demonstrates the banking sector’s resilience and its ability to absorb potential losses.
Chea Serey added that effective risk management also requires close cooperation among relevant stakeholders to safeguard the stability of the financial system.
She said another policy priority is the continued modernization of Cambodia’s payment system to maximize the benefits of rapid technological advances, improve the safety and efficiency of financial transactions, strengthen regional and global integration, and expand access to international payment services.
According to the governor, the development of Cambodia’s payment infrastructure has also promoted the use of formal financial services, increased the use of the riel, and supported the government’s digital economy and digital society policy framework.
She said the country’s payment system has gained international recognition, with an increasing number of countries studying Cambodia’s experience in digital payment development.
Chea Serey also highlighted the importance of improving financial and digital literacy alongside expanding financial inclusion. She said the central bank continues to promote public awareness through education programs, seminars, provincial outreach and social media campaigns to help consumers better understand their rights and responsibilities, distinguish between formal and informal financial services, and avoid illegal financial schemes and online fraud.
