Bank ProfileFacts & FiguresHistory


With the ILO and UNDP as godparents, ACLEDA was established in January 1993, as a national NGO for micro and small enterprises development and credit by a group of founders below. From its earliest days it enjoyed the support of a number of major international development agencies whose contribution is gratefully acknowledged in our 'Roll of Honour'. Two factors, namely expansion of its network to cover all of Cambodia's provinces and towns and its ability to operate at a profit to ensure its sustainability, led both its board and international partners to conclude that it should be transformed into a commercial bank. This would not only provide a secure regulatory framework lacking under its previous status but would enable it to enlarge its range of funding options (e.g. equity injection, taking public deposits, obtaining commercial interbank loans) to support expansion of its core micro-finance business. With assistance from USAID, MPDF/IFC and UNDP—to name a few—a three year program for transformation commenced in 1998 which culminated in the granting of a specialised banking license in October, 2000.

Under the process, the original NGO has transferred its assets and on-lent its liabilities (long term loans from donors) to the new ACLEDA Bank. In return, it has received 44.91% of the bank's capital of US$4 million; the ACLEDA Staff Association ('ASA'), a trust established to give its staff an equity interest, has purchased 6.09% and the remaining 49% has been taken up in equal parts by four foreign investors, namely the International Finance Corporation (a division of the World Bank), DEG (Germany), FMO and Triodos Bank (The Netherlands). It is intended that ACLEDA Bank will seek a listing on a stock exchange at some time in the future.

Since December 01, 2003, ACLEDA Bank was licensed as a Commercial Bank after having tripled its capital to US$13 million, and was named ACLEDA Bank Plc.

Capital Increasing from 2000 to 2015
No. Date Share Capital (US$)
1 October 2000 US$ 4,000,000
2 December 2003 US$ 13,000,000
3 October 2006 US$ 30,000,000
4 December 2007 US$ 50,000,000
5 November 2008 US$ 60,000,000
6 June 2009 US$ 68,150,000
7 June 2011 US$ 78,372,500
8 December 2011 US$ 88,372,500
9 May 2012 US$ 113,169,560
10 May 2013 US$ 185,671,857
11 June 2014 US$ 225,535,605
12 June 2015 US$ 265,726,050
Shareholders as at August 21, 2015
Shareholders Ownership (%) Share Capital (US$) Number of Shares
ACLEDA NGO 25.1061% $66,713,499 66,713,499
ASA, Plc. 25.8939% $68,806,792 68,806,792
COFIBRED 12.2500% $32,551,440 32,551,440
Sumitomo Mitsui Banking Corporation 18.2500% $48,495,003 48,495,003
ORIX Corporation 12.2500% $32,551,440 32,551,440
Triodos Microfinance Fund 2.5508% $6,778,168 6,778,168
Triodos Fair Share Fund 2.1814% $5,796,497 5,796,497
Triodos Sustainable Finance Foundation 1.5178% $4,033,211 4,033,211
Total 100% $265,726,050 265,726,050

ACLEDA has enjoyed rapid expansion of its business achieving an average loan portfolio growth rate of 42% p.a. since 2000. By the end of 2014, ACLEDA Bank total assets US$3,052 million with market share around 21.5% amongst total lending and 22.6% of total deposits. It currently has loan portfolio of US$2280.59 million to more than 398,819 borrowing customers of which 51.61% are women. It employs 11,712 staff in 255 branches in all provinces and towns in The Kingdom of Cambodia.

ACLEDA Bank's external auditor is PricewaterhouseCoopers (Cambodia) Ltd. and its legal advisor is Sciaroni & Associates.

Beside of Credits and Savings services ACLEDA Bank has provided Funds Transfers Services locally and internationally through Western Union® and SWIFT (Society Worldwide for Interbank Financial Telecommunication). We also offer E-Banking, Trade Finance including Documentary Collection, Documentary Credit, Bank Guarantee, and more and Cash Management Services including Foreign Exchange, Standing Order / Direct Debit, Supplier Payment, Cash Consolidation Accounts, Payroll Service, Bank Confirmation, Cashier's Cheque, Distributor / Cash Collection, Traveller's Cheque, Foreign Cheque Purchasing Services, Bank Draft, Safe Box Service, Tax Payment Service, and much more.

ACLEDA's Headquarters is located in Phnom Penh and in addition it maintains a branch network covering Phnom Penh, Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kep, Kandal, Koh Kong, Kratie, Mondul Kiri, Oddar Meanchey, Pailin, Preah Sihanouk, Preah Vihear, Prey Veng, Pursat, Rattanak Kiri, Siem Reap, Stung Treng, Svay Rieng, Takeo, and Tboung Khmum provinces.

ACLEDA's Branch Network Expansion History
Year Provinces Expanded During the Year
Kingdom of Cambodia
1993 Phnom Penh, Kandal, Banteay Meanchey, Siem Reap, Battambang, Kampong Cham
1994 Takeo, Kampot, Kep
1995 Sihanouk Ville
1996 Pursat
1997 Kampong Speu, Kampong Thom
2000 Kampong Chhnang, Svay Rieng
2001 Prey Veng
2003 Koh Kong
2004 Pailin, Oddar Meanchey, Preah Vihear, Kratie
2005 Stung Treng
2006 Rattanak Kiri, Mondul Kiri
2008 Vientiane Capital, Savannakhet, Champasak
2009 Salavan
2010 Khammouane
2011 Vientiane
2012 Bolikhamxay, Sekong, Luangprabang, Attapeu
2013 Bokeo, Xayabouly, Xiengkouang, Oudomxai, Louangnumtha
The Republic of the Union of Myanmar
2013 Yangon Region, Bago Region

The table above displays our branch network expansion history, and we will expand our branch network to serve all customers throughout the country.

List of Founders 

The founders of ACLEDA management and staff alphabetically named below met at Local Economic Development Agencies (LEDA Phnom Penh), Khan Russey Keo on January 19, 1993 and formed its First General Assembly of ACLEDA and voted for the establishment of Association of Cambodian Local Economic Development Agencies (ACLEDA) on the same date.

  • Mr. CHEAM Teang
  • Mr. CHHAY Soeun
  • Mrs. DAV Vandy
  • Mr. EK Don
  • Mr. HOEUNG Ousaphea
  • Mr. HONG Setha
  • Mrs. IENG Phalla
  • Mr. IN Channy
  • Mr.KEO Nupparath
  • Mr. KEO Chamroeun
  • Mrs. LY Thida
  • Mr. LAY Chham
  • Mr. LEM Saroun
  • Mr. MAK Sokha
  • Mr. NEOU Saroeun
  • Mr. NGIM Khemrith
  • Mrs. PROEUN Makpreng
  • Mr. SAO Roeun
  • Mr. SAR Roth
  • Mr. SOK Chanrithy
  • Mrs. SORN Socheat
  • Mr. SOY Saroeun
  • Mr. SUN Bunthan
  • Mr. SUONG Seng Huat
  • Mr. UNG Bunthan
  • Mr. UM Sarin
  • Mr. VANN Saroeun
  • Mr. VOEUNG Sunly

Roll of Honour 

We gratefully acknowledge the following organisations whose support was indispensable to establishing the foundation on which ACLEDA Bank Plc stands today.

(In alphabetical order)

  • Agence Française de Développement (AFD)
  • Cambodia Rehabilitation and Regeneration (CARERE)
  • Deutsche Gesellschaft für Technische Zusammenarbeit (GTZ) GmbH
  • German Federal Ministry of Economic Cooperation and Development & Kreditanstalt für Wiederaufbau (KfW)
  • International Finance Corporation (IFC)/Mekong Private Sector Development Facility (MPDF)
  • International Labour Organisation (ILO)
  • Japanese WID Fund
  • Programme de Réhabilitation et d'Appui au Secteur Agricole du Cambodge (PRASAC)
  • Shell Company of Cambodia Limited
  • Swedish International Development Cooperation Agency (SIDA)
  • The Government of New Zealand
  • United Nations Development Programme (UNDP)
  • United Nations Population Fund (UNFPA)
  • United States Agency for International Development (USAID)

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Registration No.: Co.5185KH/2000

#61, Preah Monivong Blvd., Sangkat Srah Chork, Khan Daun Penh,
Phnom Penh, Cambodia. P.O. Box: 1149
Tel: +855 (0)23 998 777 / 430 999
Fax: +855 (0)23 430 555
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