The year 2023, Cambodia economy still continues to recovery from the impacts of the COVID-19 pandemic, the risk to the outlook stem from external challenges and weakness in parts of the real estate sector. Economic sectors have been facing challenges but thanks to the country’s current political stability, there is clear confidence from national and foreign investors. This looks to be very promising for the continued growth and expansion of the Cambodian banking system and the general recovery and growth of our economy. The pandemic is clearly far from being over. Moreover, the National Bank of Cambodia (NBC), has encourage banking and financial institutions and issued the Circular on Restructuring of loan for tourism sector in Siem Reap Province, enabling customers facing temporary financial difficulties to overcome these challenges without resorting to 12-month which lead to supporting the economic growth in year 2024.