Question 1

What is Foreign Trade Bank of Cambodia (FTB)?

Accepted Answer

Foreign Trade Bank of Cambodia (FTB) is Cambodia's first commercial bank and a locally-owned financial institution operating since 1979. As a joint-venture commercial bank, FTB combines state participation (10% owned by the Ministry of Economy and Finance) with private Cambodian ownership (90%). With approximately USD 2.3 billion in total assets as of October 2025, FTB serves retail, SME, and corporate clients throughout Cambodia with a focus on supporting local economic development.

The bank positions itself as a truly local institution trusted for nearly five decades, offering comprehensive banking services to individuals and businesses across the kingdom.

Question 2

When was Foreign Trade Bank of Cambodia (FTB) founded?

Accepted Answer

Foreign Trade Bank of Cambodia was established on October 10, 1979, following Sub-decree No. 1213 under the State of Cambodia regime. The bank was initially created as part of the National Bank of Cambodia to provide commercial banking services during the early post-war economy reconstruction period.

In 2000, FTB underwent a significant transformation when it separated from direct management by the central bank to become a state-owned commercial bank with autonomous business operations. The institution evolved further in 2005 when it restructured into a joint-venture model, combining government and private Cambodian investment.

FTB received its first independent commercial banking license (License No. 16) on January 4, 2001, marking its emergence as a separate legal entity. The bank's commercial license was renewed for an indefinite period on December 21, 2006, solidifying its permanent status in Cambodia's banking sector.

Question 3

Where is Foreign Trade Bank of Cambodia (FTB) headquartered?

Accepted Answer

FTB is headquartered in Phnom Penh, Cambodia, at Building No. 3, Kramuon Sar Street (Street 114). The headquarters serves as the central administrative and operational hub for the bank's nationwide network, overseeing strategic planning, corporate governance, and all banking operations.

The main office is located in Phnom Penh's prime business district, reflecting the bank's position as a major financial institution in Cambodia's capital.

Question 4

Where does Foreign Trade Bank of Cambodia (FTB) operate?

Accepted Answer

Foreign Trade Bank of Cambodia operates throughout the Kingdom of Cambodia with a growing branch network primarily concentrated in major urban centers and provincial capitals. As of 2022, FTB maintained 17 branches across Phnom Penh and various provinces.

Key operating locations include:
• Phnom Penh: Multiple branches throughout the capital, including Sen Sok, and specialized locations serving universities (RUPP Branch) and major thoroughfares (Mao Tse Toung Branch)
• Siem Reap: Branch on Sivatha Road serving the tourism sector and local businesses
• Sihanoukville: Branch on Ekareach Street supporting the coastal economic zone and port-related trade activities
• Provincial coverage: Branches in Banteay Meanchey, Battambang, Kampot, Kandal, Kompong Cham, Kompong Speu, and Kompong Thom

The bank has steadily expanded its physical presence since 2015, adding multiple branches annually to increase accessibility for customers across Cambodia's growing economy.

Question 5

What services does Foreign Trade Bank of Cambodia (FTB) offer?

Accepted Answer

FTB provides a comprehensive range of commercial and retail banking services tailored to the Cambodian market:

Retail Banking:
• Savings accounts, current accounts, and fixed deposits in USD and KHR
• Personal loans including unsecured personal loans, housing loans, auto loans, and market loans
• Overdraft facilities against fixed deposits
• Various card products including FTB Cash Cards, Visa debit cards, VIP debit cards, and virtual cards

Commercial and SME Banking:
• Business loans and trade loans with flexible tenors up to 10 years
• SME loans with support from the Credit Guarantee Corporation of Cambodia (CGCC)
• Term loans and overdraft facilities
• Specialized financing for tourism recovery, women entrepreneurs, and post-harvest fisheries

Trade Finance:
• Letters of credit and documentary collections
• Bank guarantees
• Foreign exchange services and currency swaps

Digital Banking Services:
• FTB Mobile App: Mobile banking platform available on iOS and Android for retail customers
• FTB Business Mobile App: Launched in November 2025 for corporate clients
• Corporate Internet Banking: Web-based platform with real-time dashboards, bulk payment processing, and multi-layer approval workflows
• Internet banking for both personal and business customers
• KHQR merchant services for QR code payments compatible with Bakong and cross-border ASEAN payments

Additional Services:
• International and domestic fund transfers with remittance services
• Payroll processing for businesses
• Tax payment services for General Department of Taxation (GDT) and General Department of Customs and Excise (GDCE)
• National Social Security Fund (NSSF) contribution payment services
• Bill payment services for various government agencies
• Banker's cheques and ATM/POS networks

Question 6

What makes Foreign Trade Bank of Cambodia (FTB) unique?

Accepted Answer

FTB distinguishes itself as Cambodia's first commercial bank with a unique combination of historical significance and modern innovation. The bank's 90% Cambodian private ownership while maintaining 10% state participation creates a distinctive hybrid model that balances commercial objectives with national economic development goals.

Historical Legacy: As the pioneering commercial bank established in 1979, FTB has played an integral role in Cambodia's post-war economic reconstruction and continues to position itself as the institutional memory of Cambodian banking.

Local Focus: Unlike many competitors with foreign ownership, FTB emphasizes its identity as a "truly local bank," deeply rooted in understanding Cambodian market needs and supporting domestic businesses across all sectors.

Digital Innovation: The bank has invested significantly in digital transformation, recently launching comprehensive digital business banking platforms in November 2025—addressing a gap in Cambodia's corporate banking market where few fully-featured digital channels existed.

Trade Finance Expertise: Given its origins as the "Foreign Trade Bank," FTB maintains specialized expertise in facilitating international trade, import/export financing, and connecting Cambodia to global commerce through correspondent banking relationships.

Awards and Recognition: FTB won two International Banker awards in 2015 for "Best Innovation in Retail Banking Cambodia" and "Best Commercial Bank of the Year Cambodia," reflecting industry recognition of its service quality.

Question 7

What type of financial institution is Foreign Trade Bank of Cambodia (FTB)?

Accepted Answer

Foreign Trade Bank of Cambodia is classified as a Commercial Bank licensed and supervised by the National Bank of Cambodia. The institution holds an indefinite commercial banking license granted in December 2006, which authorizes it to conduct full-spectrum commercial banking operations.

FTB operates as a joint-venture commercial bank with a unique ownership structure combining public and private elements. This classification reflects its dual role as both a commercially-oriented profit-seeking institution (serving the 90% private shareholders) and a development-focused entity supporting national economic objectives (through the 10% government stake held by the Ministry of Economy and Finance).

With registered capital of USD 79.5 million and total assets of USD 2.3 billion as of October 2025, FTB functions as a universal commercial bank serving retail customers, small and medium enterprises, and large corporations with diverse financial needs. The bank's scope encompasses traditional deposit-taking and lending activities alongside modern digital banking, trade finance, and payment services typical of full-service commercial banks in Southeast Asian markets.

Foreign Trade Bank of Cambodia (FTB)

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About Foreign Trade Bank of Cambodia (FTB) in Cambodia