Cambodia’s late loan repayments edge higher but banking sector remains resilient

PHNOM PENH, March 30, 2026 (KPT) – The rate of late loan repayments in Cambodia’s banking and finance system rose slightly in 2025, though officials say the sector remains resilient amid global uncertainty.

According to Credit Bureau Cambodia (CBC), loans overdue by more than 90 days reached 6.46 percent last year, up from 6.03 percent in 2024. CBC chief executive Oeur Sothearoath said the increase was modest and remained within manageable levels.

Figures from the National Bank of Cambodia (NBC) show total outstanding credit reached USD 63 billion in 2025, a 4.1 percent rise from the previous year, reflecting continued demand despite external and domestic challenges. Deposits grew 14.7 percent to USD 65.7 billion.

NBC governor Chea Serey said the banking system remains strong and continues to enjoy public confidence, supported by robust capital positions and high liquidity. She noted that credit growth was driven in part by small and medium-sized enterprises expanding their businesses.

By the end of 2025, Cambodia’s financial system comprised 196 institutions, including 91 banks and 71 microfinance operators. More than 5.1 million Cambodians held loans worth around USD 62 billion, underscoring the sector’s central role in the economy.