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BENCHMARK REPORTS

VIEW SAMPLE BENCHMARK REPORT

Cambodia’s banking sector has experienced rapid growth over the past decade, driven by strong economic expansion, increased financial inclusion, digital banking innovation, and expanding access to financial services for a larger portion of the population. The country has seen a rising number of commercial banks, microfinance institutions, rural credit institutions, and digital payment platforms, catering to a growing consumer base.

This growth has been supported by significant increases in deposits and loans, with deposits growing by 13.1% in 2023, according to the National Bank of Cambodia (NBC). However, despite these advancements, the sector faces challenges such as rising non-performing loans (NPLs), which increased to 4.8% for banks by July 2023, and potential over-saturation, with a high credit-to-GDP ratio exceeding 170%. This situation highlights the need for careful monitoring and regulation of the banking sector to ensure its stability and prevent potential risks to the economy. Additionally, addressing other challenges like financial literacy gaps and regulatory compliance will be crucial for sustainable growth and stability in the overall banking sector.

The need for more transparent and accessible performance data is becoming increasingly important as Cambodia’s banking sector continues to evolve. While there are reports and studies that provide insights into the banking sector’s performance, notably from the National Bank of Cambodia (NBC), there is a lack of comprehensive benchmarking that compares individual banks’ operational efficiency against industry standards. Such benchmarks would enable banks to better evaluate their performance relative to their peers, and make informed strategic decisions to enhance operational efficiency and competitiveness in the market.

The SuperBankRatings’ benchmark report delivers detailed insights for each respective commercial bank from across the banking industry collected from SBR’s proprietary research process, site visits and from the analysis of publicly available information.

Key features of the benchmark report include:

  • Essential points of analysis summarised succinctly into key areas.
  • A “one stop shop” for the Cambodian banking market research.
  • Excellent basis for strategic planning and performance reporting.
  • Excellent detail to assist with strategic planning with results that can be used for internal & external marketing.
  • Valuable banking industry educational tool.
  • Usable content for high quality internal and external presentations for staff, clients and members.
  • The most comprehensive benchmark report on Cambodia’s commercial banks utilising key assessment criteria:
    • Corporate Governance
    • External Support
    • Economic and Industry Risks
    • Financial Strength and Performance
    • Funding and Liquidity
    • Market Position and Business Profile
    • Management Quality
    • Risk Management
    • Regulatory Environment
    • Sustainability Initiatives
    • Technology and Innovation

SuperBankRatings’ benchmark report is a critical tool for banks to assess their market position and performance, providing valuable insights into how they compare to industry standards and their peers.