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ACLEDA History

ACLEDA Bank Plc. Headquarters
ACLEDA Bank Plc. Headquarters

With the ILO and UNDP as godparents, ACLEDA was established in January 1993, as a national NGO for micro and small enterprises development and credit by a group of founders below. From its earliest days it enjoyed the support of a number of major international development agencies whose contribution is gratefully acknowledged in our 'Roll of Honour'.

Two factors, namely expansion of its network to cover all of Cambodia's provinces and towns and its ability to operate at a profit to ensure its sustainability, led both its board and international partners to conclude that it should be transformed into a commercial bank. This would not only provide a secure regulatory framework lacking under its previous status but would enable it to enlarge its range of funding options (e.g. equity injection, taking public deposits, obtaining commercial interbank loans) to support expansion of its core micro-finance business.

With assistance from USAID, MPDF/IFC and UNDP—to name a few—a three year program for transformation commenced in 1998 which culminated in the granting of a specialised banking license in October, 2000.

Under the process, the original NGO has transferred its assets and on-lent its liabilities (long term loans from donors) to the new ACLEDA Bank. In return, it has received 44.91% of the bank's capital of US$4 million; the ACLEDA Staff Association ('ASA'), a trust established to give its staff an equity interest, has purchased 6.09% and the remaining 49% has been taken up in equal parts by four foreign investors, namely the International Finance Corporation (a division of the World Bank), DEG (Germany), FMO and Triodos Bank (The Netherlands). It is intended that ACLEDA Bank will seek a listing on a stock exchange at some time in the future.

Since December 01, 2003, ACLEDA Bank was licensed as a Commercial Bank after having tripled its capital to US$13 million, and was named ACLEDA Bank Plc. Please click here for capital increasing and shareholders of ACLEDA Bank Plc.

In 2023, ACLEDA Bank Plc.'s market share around 13.45% (total assets); 13.33% (total loan outstanding) and 31.41% (number of loan) amongst total lending; and 16.80% (deposit amount) and 27.36% (number of account) of total deposits in the banking sector in the Kindom of Cambodia (excluded MFIs and NGOs).

ACLEDA Bank currently has total assets of US$9.33 billion, deposit of US$6.78 billion and loan portfolio of US$6.36 billion to more than 521 thousand borrowing customers of which 54.75% are women. It employs 12,241 staff in 264 branches in all provinces and towns in the Kingdom of Cambodia.

Beside of Credits and Savings services ACLEDA Bank has provided Funds Transfers Services locally and internationally through Western Union, MoneyGram, Ria Money Transfer, Thunes and Swift (Society Worldwide for Interbank Financial Telecommunication). We also offer Cards, Digital, Trade Finance and Cash Management Services, and much more.

ACLEDA's Headquarters is located in Phnom Penh and in addition it maintains a branch network covering all provinces and towns in Cambodia.

ACLEDA's Branch Network Expansion History
Kingdom of Cambodia
1993 Phnom Penh, Kandal, Banteay Meanchey, Siem Reap, Battambang, Kampong Cham
1994 Takeo, Kampot, Kep
1995 Sihanouk Ville
1996 Pursat
1997 Kampong Speu, Kampong Thom
2000 Kampong Chhnang, Svay Rieng
2001 Prey Veng
2003 Koh Kong
2004 Pailin, Oddar Meanchey, Preah Vihear, Kratie
2005 Stung Treng
2006 Rattanak Kiri, Mondul Kiri
Lao PDR
2008 Vientiane Capital, Savannakhet, Champasak
2009 Saravane
2010 Khammouane
2011 Vientiane
2012 Bolikhamxay, Sekong, Luangprabang, Attapeu
2013 Bokeo, Xayabouly, Xiengkouang, Oudomxai, Louangnumtha
The Republic of the Union of Myanmar
2013 Yangon Region, Bago Region
2019 Mon State
2020 Magway Region

The table above displays our branch network expansion history, and we will expand our branch network to serve all customers throughout the country.

List of Founders 

The founders of ACLEDA management and staff alphabetically named below met at Local Economic Development Agencies (LEDA Phnom Penh), Khan Russey Keo on January 19, 1993 and formed its First General Assembly of ACLEDA and voted for the establishment of Association of Cambodian Local Economic Development Agencies (ACLEDA) on the same date.

Roll of Honour 

We gratefully acknowledge the following organisations whose support was indispensable to establishing the foundation on which ACLEDA Bank Plc stands today (in alphabetical order).

Our Headquarters So Far

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