National Bank of Cambodia Licensed · License No. SB-19

Financial solutions for residential owners, built on trust

Evergrowth (Cambodia) Specialized Bank PLC provides tailored loan products — home loans, business finance, and personal credit — with transparent terms and expert guidance.

Explore Loan Products About the Bank
🏛 Regulated by the National Bank of Cambodia
USD 15.84M
Gross Loan Portfolio
As at 31 Dec 2024
USD 260K
Net Profit 2024
Turnaround from loss in 2023
USD 18.5M
Paid-up Capital
NBC approved Nov 2024
Since 2019
Licensed Operations
Incorporated July 2018
Key Rates 2024
Home Loan from 0.60%/mo
Business Loan from 0.90%/mo
SME Loan from 0.60%/mo
Personal Loan from 1.10%/mo
Condo Loan up to 15 years
Interest income +45.9% YoY

Loan Products & Services

Financing that fits your life

Six tailored loan products covering residential, business, and personal needs — with competitive rates and terms designed for Cambodian borrowers.

🏠
Housing Loan
Buy or build your home. Designed for salary earners and entrepreneurs with monthly income USD 1,000–20,000.
Rate: 0.60–1.00%/mo Up to USD 1M
Term: up to 180 months LTV 70%
🏢
Condo Loan
Purchase condo units — available to both local residents and foreign investors. Up to 15 years for locals, 10 years for foreigners.
Rate: 0.60–1.00%/mo Up to USD 1M
Term: up to 180 months LTV 70%
📈
SME Loan
Grow your small or medium enterprise. Covers working capital, equipment investment, and new business diversification across commerce, manufacturing, and agriculture.
Rate: 0.60–1.00%/mo Up to USD 1M
Term: 24–84 months
💼
Business Loan
Ideal for micro and small entrepreneurs setting up or expanding. Simple documentation, transparent terms, and fast processing.
Rate: 0.90–1.20%/mo Up to USD 50K
Term: 12–60 months
🛒
Consumer Loan
Finance household equipment, vehicles, electronics, or tuition fees. No collateral required for smaller amounts.
Rate: 1.00–1.30%/mo Up to USD 50K
Term: 3–48 months
👤
Personal Loan
Borrow up to 5× your monthly net salary for any personal financial need. Quick approval for salary earners with no collateral required.
Rate: 1.10–1.40%/mo Up to USD 30K
Term: 12–36 months

Our identity

📋
Registration
Ministry of Commerce, Cambodia — 12 July 2018
Business Reg. No. 00034481
🏦
NBC License
Specialized Bank License No. SB-19
Effective 26 June 2019
📍
Registered Office
No. 2596, Star City Building B
Federal Russian Blvd, Sangkat Toek Thla
Khan Sen Sok, Phnom Penh
👥
Shareholders
Chinese and Chinese-Khmer investors with expertise in banking & real estate. Key projects: Star City, TK Star, Star Bay.
🔍
Auditor
Grant Thornton (Cambodia) Limited
Financial year ended 31 December 2024

Vision, Mission & Values

Built on simplicity, driven by integrity

"Be a top specialized bank in providing financial solutions for residential owners, with simple and tailored principles."

  • ✦
    Simplicity
    Easy-to-understand products with transparent loan terms and minimal bureaucracy.
  • 💡
    Innovation
    Encouraging employee creativity through fintech pilot programs and iterative improvements.
  • ⚖
    Integrity
    Full compliance with NBC regulations, anti-corruption policies, and transparent client contracts.
  • 📊
    Accountability
    Employee training tied to customer satisfaction KPIs; ownership of outcomes and corrective action.
  • 🔒
    Confidentiality
    Data protection through secure digital platforms; trust as a core competitive advantage.

Audited Financial Results

2024 Financial Highlights

Audited by Grant Thornton (Cambodia) Limited. Statements prepared in accordance with CIFRS Accounting Standards and NBC guidelines.

$1.034M
Interest Income
▲ +45.8% vs 2023
$1.027M
Net Interest Income
▲ +46.8% vs 2023
$260K
Net Profit for Year
▲ Profitable (was -$807K in 2023)
$14.66M
Total Assets
▲ +1.6% vs 2023
Income Statement (USD)
Interest income$1,034,389
Interest expense($7,321)
Net interest income$1,027,068
Impairment losses($516,974)
Personnel expenses($133,706)
G&A expenses($86,038)
Profit for the year$260,261
Balance Sheet (USD)
Cash & NBC balances$954,921
Balances with banks$3,982,556
Net loans to customers$9,585,456
Total assets$14,663,902
Share capital$18,500,000
Accumulated losses($3,980,105)
Total equity$14,519,895

Board of Directors

Leadership & Governance

The Board of Directors is appointed by shareholders and approved by the National Bank of Cambodia to oversee the bank's strategy and operations.

ZJ
Mr. Zhang Jinbu
Chairman of the Board
Appointed 12 July 2018. Major shareholder with extensive experience in large-scale property development in China and Cambodia, including Star City and Star Bay developments. Holds EMBA from Beijing University (2014) and MBA from Zhongnan University (2008).
51% shareholding — 9,435 shares
PY
Mr. Peng Yixing
Director
Appointed 12 July 2018. Shareholder and Chairman of Xinghui Property Development (Cambodia). Developed Star City, TK Star, and Star Bay projects. Holds 100% of Hainan Jinbang Industry. Diploma in Mathematics, Fujian Wuyi College (1982).
49% shareholding — 9,065 shares
LC
Ms. Liang Chunmiao
Independent Director
Appointed 12 July 2018. Independent director qualified in accounting, financial analysis, asset management, and portfolio lending. Bachelor of Accounting, Hainan University (1999).
Independent — no shareholding

Corporate Social Responsibility

Our commitment to Cambodia

Beyond lending, we invest in the people and communities we serve — through financial literacy, fair employment, and responsible business practices.

👥
For Our Customers
  • Financial planning and literacy guidance
  • Helping customers manage cash flow
  • Fair and competitive loan pricing
  • Right loan size at the right time
  • Customer feedback via regular surveys
  • Products designed for real needs
🏢
For Our Employees
  • Capacity building and professional development
  • Equal opportunity employment
  • Healthy, safe working environment
  • Code of professional conduct
  • Transparency and compliance culture
  • Living the bank's core values daily
🌏
For Society
  • Job creation through lending and recruitment
  • No financing of illegal businesses
  • Responsible, timely tax compliance
  • AML/CFT programs combating financial crime
  • Staff volunteerism in community activities

Get in Touch

Visit or contact us

📍
Registered Address
No. 2596, Star City Building B
Federal Russian Blvd, Sangkat Tuek Thla
Khan Sen Sok, Phnom Penh
Kingdom of Cambodia
🏛
Regulator
National Bank of Cambodia
License No. SB-19 · Effective 26 June 2019
📅
Office Hours
Monday – Friday: 8:00 AM – 5:00 PM
Saturday: 8:00 AM – 12:00 PM
📄
Business Registration
Ministry of Commerce No. 00034481
Registered: 12 July 2018

Loan enquiry