Evergrowth (Cambodia) Specialized Bank PLC provides tailored loan products — home loans, business finance, and personal credit — with transparent terms and expert guidance.
Six tailored loan products covering residential, business, and personal needs — with competitive rates and terms designed for Cambodian borrowers.
Buy or build your home. Designed for salary earners and entrepreneurs with monthly income USD 1,000–20,000.
Purchase condo units — available to both local residents and foreign investors. Up to 15 years for locals.
Grow your small or medium enterprise. Covers working capital, equipment, and new business diversification.
"Be a top specialized bank in providing financial solutions for residential owners, with simple and tailored principles."
Backed by Chinese and Chinese-Khmer investors with deep experience in banking, finance, and mixed-use property development — including Star City, TK Star, and Star Bay.
Learn More About Us →Audited by Grant Thornton (Cambodia) Limited. Statements prepared in accordance with CIFRS Accounting Standards and NBC guidelines.
A specialized bank established with strong ties to the Cambodian real estate and banking sectors.
"Be a top specialized bank in providing financial solutions for residential owners, with simple and tailored principles."Mission Statement
"Provide customers with expertise in financial services at affordable prices and the best possible customer experiences. Assure reasonable returns to stakeholders and communities by collaborating with residential developers and leveraging innovative technology."
Evergrowth (Cambodia) Specialized Bank Plc. is a financial institution established with strong ties to the Cambodian real estate and banking sectors, backed by Chinese and Chinese-Khmer investors with deep experience in banking, finance, and mixed-use property development.
Easy-to-understand products (transparent loan terms). Minimal bureaucracy; strict but committed operations.
Encourages employee creativity (e.g., fintech pilot programs). Fail-fast mindset; iterative improvements.
Compliance with NBC regulations; anti-corruption policies. Transparency in dealings with clear client contracts.
Employee training programs; KPIs tied to customer satisfaction. Ownership of mistakes plus corrective actions.
Data protection measures via secure digital platforms. Trust as a core competitive advantage.
The year 2023, Cambodia's economy continued to recover from the impacts of the COVID-19 pandemic. Despite external challenges and weaknesses in parts of the real estate sector, the country's political stability has given national and foreign investors clear confidence — promising continued growth and expansion of the Cambodian banking system.
During this period, Evergrowth (Cambodia) Specialized Bank Plc. continued lending operations as normal, collected repayments to support residential clients, and maintained the quality of its loan portfolio. Gross loan portfolio outstanding increased to around USD 15.14 million, with operating income of USD 1.02 million.
The Board of Directors is delighted with the Bank's performance in 2024 and will continue playing an active role in overseeing the Bank's strategy. We look forward to delivering balanced, sustainable, and inclusive growth in 2025 and beyond.
I extend my sincere thanks to the National Bank of Cambodia and to all stakeholders — regulatory authorities, communities, customers, and business partners — for their continued support.
Mr. Zhang Jinbu
Chairman of the Board
Six tailored loan products with competitive rates and terms designed for Cambodian borrowers.
For salary earners and entrepreneurs with monthly income USD 1,000–20,000 to buy or build a house on their own land.
Purchase condo units — local and foreign borrowers welcome. Up to 15 years for residents, 10 years for investors.
For SMEs in commerce, manufacturing, services, or agriculture to expand, add working capital, or diversify.
Ideal for micro and small entrepreneurs starting or expanding a business. Simple documentation, fast processing.
Finance vehicles, appliances, electronics, furniture, or tuition fees. No collateral required for smaller purchases.
Borrow up to 5× your net monthly salary for personal needs. Quick approval, no collateral required.
| Loan Size (USD) | Interest Rate /mo | Duration |
|---|---|---|
| 50,000 – 200,000 | 0.80% – 1.00% | 60–120 months |
| 200,000 – 500,000 | 0.75% – 0.80% | 60–120 months |
| 500,000 – 1,000,000 | 0.60% – 0.75% | 60–180 months |
| Loan Size (USD) | Interest Rate /mo | Duration |
|---|---|---|
| 50,000 – 200,000 | 0.80% – 1.00% | 24–48 months |
| 200,000 – 500,000 | 0.75% – 0.80% | 36–60 months |
| 500,000 – 1,000,000 | 0.60% – 0.75% | 48–84 months |
| Loan Size (USD) | Interest Rate /mo | Duration |
|---|---|---|
| 2,000 – 10,000 | 1.30% – 1.40% | 12–18 months |
| 10,000 – 20,000 | 1.20% – 1.30% | 12–24 months |
| 20,000 – 30,000 | 1.10% – 1.20% | 12–36 months |
Note: Processing fees in all loan products are exclusive of other costs related to property valuation, legal proceedings, title deed registration at local authorities and the cadastral office, and insurance cover on the collateral property. These costs are borne by the borrower. Under competitive market conditions, the Bank may absorb any or a combination of these costs as a marketing strategy.
Audited by Grant Thornton (Cambodia) Limited. CIFRS Accounting Standards and NBC guidelines.
| Classification | Amount (USD) | % of Gross Loans |
|---|---|---|
| Normal (secured) | 9,275,577 | 58.6% |
| Special mention (secured) | 354,474 | 2.2% |
| Substandard (secured) | 460,086 | 2.9% |
| Doubtful (secured) | 500,121 | 3.2% |
| Loss (secured) | 5,251,460 | 33.1% |
| Total gross loans | 15,841,718 | 100% |
Annual interest rates on loans: 8.00% – 9.50% (2024); 7.50% – 9.50% (2023)
Appointed by Shareholders and approved by the National Bank of Cambodia to oversee the Bank's overall operations.
Major shareholder with extensive experience in large-scale property development in China and Cambodia, including Star City and Star Bay. EMBA from Beijing University (2014), MBA from Zhongnan University (2008).
Shareholder and Chairman of Xinghui Property Development (Cambodia). Developed Star City, TK Star, and Star Bay. Holds 100% of Hainan Jinbang Industry Co. Ltd. Diploma in Mathematics, Fujian Wuyi College (1982).
Qualified and experienced in accounting, financial analysis, asset management, and portfolio lending. Bachelor of Accounting, Hainan University (1999).
Owner of the Bank. Appoints Directors and approves strategic matters per the Bank's Memorandum and Articles of Association.
Acting collectively and answerable to Shareholders. Meets at least 4 times per year. Establishes Audit, Risk, HR, and Credit Committees.
Direct day-to-day responsibility for controlling business and operational affairs. Reports significant performance to the BoD regularly.
Beyond lending, we invest in the people and communities we serve.
Corporate Social Responsibility (CSR) is the commitment of a business to consider its impact on society and the environment and to operate in a responsible way.
At Evergrowth (Cambodia) Specialized Bank Plc. we are highly committed to developing our professional competence, performing our duties professionally, and providing customers with expertise in financial services at affordable prices and the best possible customer experiences.
We strongly believe in the value of honesty and strong moral principles — operating with full transparency and accountability. We are accountable for all our actions towards our customers, shareholders, stakeholders, and communities as a whole.
A full review of our financial performance, corporate governance, products, and commitment to Cambodia for the year ended 31 December 2024.
The year 2023, Cambodia's economy continued to recover from the impacts of the COVID-19 pandemic. Despite external challenges and weaknesses in parts of the real estate sector, the country's political stability has given national and foreign investors clear confidence — promising continued growth and expansion of the Cambodian banking system.
Moreover, the National Bank of Cambodia (NBC) has encouraged banking and financial institutions, including issuing a Circular on Restructuring of Loans for the tourism sector in Siem Reap Province, enabling customers facing temporary financial difficulties to overcome these challenges and supporting economic growth in 2024.
During this period, Evergrowth (Cambodia) Specialized Bank Plc. continued lending operations as normal, collected repayments to support residential clients, and maintained the quality of its loan portfolio. Gross loan portfolio outstanding increased to around USD 15.14 million, with operating income of USD 1.02 million.
The Board of Directors is delighted with the Bank's performance in 2024 and will continue playing an active role in overseeing the Bank's strategy, executed following best practices and standards. The bank has enhanced its corporate governance and management to maximize efficiency and achieve its goals.
I extend my sincere thanks and appreciation for the ongoing guidance and support from the National Bank of Cambodia, and to all stakeholders — regulatory authorities, communities, customers, and business partners — for their overall support.
We look forward to the continuous support from all stakeholders in ensuring the bank continues to deliver balanced, sustainable, and inclusive growth in 2025 and beyond.
Mr. Zhang Jinbu
Chairman of the Board
| Classification | Amount (USD) | % of Gross Loans |
|---|---|---|
| Normal (secured) | 9,275,577 | 58.6% |
| Special mention (secured) | 354,474 | 2.2% |
| Substandard (secured) | 460,086 | 2.9% |
| Doubtful (secured) | 500,121 | 3.2% |
| Loss (secured) | 5,251,460 | 33.1% |
| Total gross loans | 15,841,718 | 100% |
Annual interest rates: 8.00% – 9.50% (2024) | 7.50% – 9.50% (2023). Gross loan portfolio: USD 15,841,718 (2024) vs USD 14,887,231 (2023).
Incorporated as a public limited company with the Ministry of Commerce (Reg. No. 00034481)
Licensed by the National Bank of Cambodia as a Specialized Bank (License No. SB-19)
Officially commenced operations with lending to residential customers
Submitted request to NBC to increase share capital from USD 15M to USD 18.5M
NBC approved share capital increase to USD 18,500,000 (18,500 ordinary shares)
Returned to profitability: net profit of USD 260,261 for the year
Ministry of Commerce approved amended Memorandum and Articles of Association reflecting capital increase
Board of Directors approved financial statements; Grant Thornton issued unqualified audit opinion
"In our opinion, the accompanying financial statements present fairly, in all material respects, the financial position of the Bank as at 31 December 2024, and of its financial performance and its cash flows for the year then ended in accordance with CIFRS Accounting Standards as adopted by the Accounting and Auditing Regulator of Cambodia, based on IFRS Accounting Standards as issued by the International Accounting Standards Board and guidelines of the National Bank of Cambodia (NBC)."
Grant Thornton (Cambodia) Limited
Certified Public Accountants & Registered Auditors
Ronald C. Almera, Partner — Audit and Assurance
Phnom Penh, Kingdom of Cambodia · 28 March 2025