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Branch Locator
Head Office
MEF Business Development Center, 20th Floor, OCIC Street, Khan Chraoy Chongvar, Phnom Penh, Cambodia.
Main Branch
MEF Business Development Center, Ground Floor, OCIC Street, Khan Chraoy Chongvar, Phnom Penh, Cambodia.
Phsar Thmei Branch
No 30, St. Pasteur corner St. Prey Nokor, Sangkat Phsar Thmei Ti Muoy, Khan Daun Penh, Phnom Penh, Kingdom of Cambodia.
Battambang Provincial Branch
No. 161 & 162, National Road No. 5, Group 6, Phum Rumchek 5, Sangkat Rottanak, Krong Battambang, Battambang Province, Kingdom of Cambodia.
Tboung Khmum Provincial Branch
National Road 7, Phum Suong Kaeut, Sangkat Suong, Krong Suong, Tboung Khmum Province.
Head office:
MEF Business Development Center, # S, OCIC Street, Phum Kien Khleang,
Sangkat Chraoy Chongvar, Khan Chraoy Chongvar, Phnom Penh.
Phsar Thmei Branch:
No 30, St. Pasteur corner St. Prey Nokor, Sangkat Phsar Thmei Ti Muoy,
Khan Daun Penh, Phnom Penh, Kingdom of Cambodia.
Battambang Branch:
National Road 5, Phum Rumchek, Sangkat Rathanak, Battambang City,
Battambang Province, Cambodia
Tboung Khmum Provincial Branch
FAQ
I. About Bank
SME Bank was officially licensed as a commercial bank by the National Bank of Cambodia (the “NBC”) on the 27th of February 2020.
With the technical and financial guidance of the Ministry of Economy and Finance (the “MEF”) and the supervision of NBC, our bank’s strategic intent and direction are primarily coherent with the policies set by The Royal Government of Cambodia, assuring a reliable and sustainable banking system to all small and medium enterprises in Cambodia.
To be the Best and Preferred SME Bank in Cambodia, providing affordable financing, easy accessibility, technical support, and excellent customer experience.
To provide efficient and sustainable financing and commercial banking services to support SMEs to promote economic diversification and exports in line with government policy.
The social mandate of the Bank is to provide financing and commercial banking services effectively and sustainably to support local SMEs, increase economic diversification, and expand export volumes. To achieve this, the SME Bank of Cambodia commits itself to:
- Provide Convenient Access to Financing
- Provide Affordable Financing
- Provide Assistance Beyond Financial Services
- Enhance SMEs’ Productivity & Efficiency
“IPACE” Principle
- Integrity: We will ingrain integrity in our DNA to ensure a high level of trust and reputation in our business.
- People: We consider all employees as our core asset and will respect, value, and actively engage them in all our business dealings.
- Accountability: We will be professional by being accountable to all our stakeholders and responsible for discharging our duties.
- Customer: As customers are the main purpose for our existence, we will provide an excellent and consistent customer experience.
- Efficiency: We strive for operational excellence to ensure profitability, growth, and sustainability for all our stakeholders.
Head office: MEF Business Development Center, # S, OCIC Street, Phum Kien Khleang, Sangkat Chraoy Chongvar, Khan Chraoy Chongvar, Phnom Penh.
Phsar Thmei Branch: No 30, St. Pasteur corner St. Prey Nokor, Sangkat Phsar Thmei Ti Muoy, Khan Daun Penh, Phnom Penh, Kingdom of Cambodia.
Battambang Branch: National Road 5, Phum Rumchek, Sangkat Rathanak, Battambang City, Battambang Province, Cambodia
II. Loans
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
Small and medium enterprise financing is a type of loan to provide customers individually and/or non-individuals that conduct business legally so that businesses can expand their business operations and generate revenue.
For financing small and medium enterprises, there are currencies such as Riel and Dollar.
SME Bank has two types of SME financing: Direct Lending and Co-Financing.
Direct Lending is financing that SME Bank provides directly to small and medium enterprise owners in Cambodia.
- Cambodia SME Scheme (CSS)
- Cambodia Women Entrepreneurs Scheme (CWES)
- Cambodia Digital & Automation Scheme (CDAS)
- Cambodia Micro Enterprise Scheme (CMES)
- Cambodia Recovery Support Scheme (CRSS)
Co-Financing is financing in which SME Bank requires customers to apply for a loan from PFI that has signed an MOU with SME Bank.
- SME Co-Financing Scheme (SCFS)
- Tourism Recovery Co-Financing Scheme (TRCS)
For customers living in the provinces, Bank does not have a credit service yet, but the bank has partners who can provide loans to customers through SME Co-Financing Scheme (SCFS) and Tourism Recovery Co-Financing Scheme (TRCS).
The SME Co-Financing Scheme (the “SCFS”) is to facilitate the provision of financing to registered and unregistered SMEs effectively and sustainably to support local small and medium enterprises; to increase economic diversification and expand export volumes, coherent with the policies set out by the Royal Government of Cambodia.
- Maximum: KHR 2,000 million or USD500,000
- Interest rate 6.5%
- Tenure of financing 7 years
- Purpose of financing: Capital expenditure or working capital
- Legal Fees, Valuation Fees, Fire Insurance, Other Fees & Charges: No Charge fee
For SME Co-Financing (SCFS), customers can apply for loans from PFI. PFI has the following 32 institutions such as:
- ACLEDA Bank Plc.
- ABA Bank
- AMK MFI Plc.
- Amret Microfinance Institution
- Asia-Pacific Development Bank Plc
- Industrial Bank of Korea
- CAMBODIA POST BANK Plc.
- Hattha Bank
- Canadia Bank Plc.
- Prasac MFI Plc.
- Chip Mong Commercial Bank Plc.
- CIMB Bank Plc.
- Daun Penh Specialized Bank Plc.
- DGB Bank
- RHB Bank (Cambodia) Plc.
- Hong Leong Bank (Cambodia) Plc.
- Maybank
- Phillip Bank Plc.
- Bred Bank Cambodia
- CAMMA Microfinance Limited
- Phnom Penh Commercial Bank
- Prince Bank Plc.
- Foreign Trade Bank of Cambodia (FTB)
- SATHAPANA Bank Plc.
- SBI Ly Hour Bank
- Union Commercial Bank Plc.
- Vattanac Bank Cambodia
- Wing Bank (Cambodia) Plc
- LOLC (Cambodia) Plc.
- CAB Bank
- Panda Commercial Bank Plc.
- Sacomebank Cambodia
The Cambodia SME Scheme is to assist viable SMEs impacted by the economic challenges during the Covid-19 period. With Cambodia SME Scheme, it is envisaged that SMEs will have accessibility to financing at a reasonable cost.
- Maximum: KHR 2,000 million or USD500,000
- From 5.88% for registered businesses and under the priority list
- Tenur of financing: Up to 10 years for capital expenditure or 7 years for working capital
- Purpose of financing: Capital expenditure or working capital
- Type of facility: Term Loan
- Currency of financing: KHR or USD
- Provide up to 80% of the collateral as hard title and up to 70% as capital with tax stamp (assessed by the real estate company) (and provide up to 100% of the collateral in case the property is in the potential area and loan size not exceeding 175000 USD)
The CWES is to assist viable SMEs owned by women that are impacted by the economic challenges during this period. With CWES, we hope to provide women SME entrepreneurs better access to financing at a reasonable cost.
- Maximum: KHR 2,000 million or USD500,000
- From 5.50% to 6.50% for registered businesses or those under the priority list
- Tenur of financing: Up to 10 years for capital expenditure or 7 years for working capital
- Purpose of financing: Capital expenditure or working capital
- Type of facility: Term Loan
- Currency of financing: KHR or USD
- Provide up to 80% of the collateral as hard title and up to 70% as capital with tax stamp (assessed by the real estate company) (and provide up to 100% of the collateral in case the property is in the potential area and loan size not exceeding 175000 USD)
- Maximum: KHR 2,000 million or USD500,000
- From 5.88% for registered businesses and under the priority list
- Tenur of financing: Up to 10 years for capital expenditure or 7 years for working capital
- Purpose of financing: Capital expenditure or working capital
- Type of facility: Term Loan
- Currency of financing: KHR or USD
- Provide up to 80% of the collateral as hard title and up to 70% as capital with tax stamp (assessed by the real estate company) (and provide up to 100% of the collateral in case the property is in the potential area and loan size not exceeding 175000 USD)
The Cambodian financial market is developing rapidly and approaching the saturation stage. However, most commercial banks and MFIs are introducing both cash-flow and collateral-based lending. In general, they required real-estate property such as land and/or building to be served as collateral. According to the feedback from the market, some small and medium enterprises (SMEs) are not able to get loans from banks or MFIs due to collateral requirements.
- Maximum: Up to USD 50,000 or equivalent to other currencies
- 7.5% for registered businesses under the priority list and 8.5% for unregistered businesses or businesses under the normal list
- Up to 5 years for working capital or up to 7 years for capital expenditure loans
- Purpose of financing: Capital expenditure or working capital
- Type of facility: Term Loan
- Currency of financing: KHR or USD
The Tourism Recovery Co-Financing Scheme (TRCS) is created to facilitate small and medium business owners who have a business in the tourism sector.
- Maximum: KHR 2400 million or USD600,000
- Interest rate: Up to 6.5% per year
- Purpose of financing:
– Capital expenditure (investment in renovation, modernization, and expansion, allowing for the construction of a new project that began before June 2021 but has not yet been completed and needs financing to complete the project to run a business )
– working capital
- Tenure of financing: 8 years
- Type of facility: Term Loan
- Currency of financing: KHR or USD
For Tourism Recovery Co-Financing Scheme, customers can apply for loans from the PFI. PFI has 23 institutions such as:
- Chip Mong Commercial Bank Plc.
- Hattha Bank Plc.
- ACLEDA Bank Plc.
- ABA Bank
- SATHAPANA Bank Plc.
- LOLC (Cambodia) Plc.
- Cambodia Post Bank Plc.
- Wing Bank (Cambodia) Plc.
- Prince Bank Plc.
- Prasac MFI Plc.
- Canadia Bank Plc.
- Phillip Bank Plc.
- Asia-Pacific Development Bank Plc.
- Phnom Penh Commercial Bank
- CIMB Bank Plc.
- CAMMA Microfinance Limited
- SACOMEBANK Cambodia Plc.
- RHB Bank (Cambodia) Plc.
- Foreign Trade Bank of Cambodia (FTB)
- Amret Microfinance Institution
- Hong Leong Bank (Cambodia) Plc.
- Cambodia Asia Bank
- J Trust Royal Bank
The objective of the product is to support SMEs that are affected by COVID-19 to restart their business by offering more flexible financing with relaxing credit criteria. This is the strategic intention of SME Bank to restore SMEs Business to contribute to the economic recovery after the pandemic.
- Maximum: Up to USD50,000 or equivalent in KHR
- Minimum 7.5%
- Up to 5 Years
- Purpose of financing: Capital expenditure or working capital
- Type of facility: Term Loan
- Currency of financing: KHR or USD
- Provide up to 120% of the Collateral
There are 2 types of Repayment modes: Equal Monthly Instalment (EMI) and Equal Monthly Principle (EMP)
- Businesses are on the priority list and normal list.
- Purpose of financing is for business only
- Have a permanent residence
- Loan with another bank, not more than 1 institution
- Legal business documents
- Good cash flow
- Collateral (hard title or soft title with registration tax
- Loan up to 20,000 USD for customers who live in Phnom Penh.
Applying for a loan takes 2-3weeks to work with customers.
The bank requires customers to pay 2 types of fees: 1% of the loan and a fee for checking CBC.
If the customer payoff, the bank requires the customer to pay 1% of the loan.
The Bank requires a hard title or soft title with registration tax.
- Identity card or Passport
- Family books
- Business certificate, Patent, and/or Business Registration certificate
- Decision from the Board of Directors (in case of a legal entity)
- Financial statements for the 12 months
- Sales and purchase invoice
- Lease contract (if leased)
- Public service bill for water and electricity
- Loan contract
- Loan repayment schedule
- Six months’ bank statement (if have one)
- Land title (both sides) copy
- House size (width……. meters x length……meters)
- 5 or 10 pictures of collateral
- Photos were taken next to the road and land /house (3 or 4 pieces)
- Take a photo from the front, the side, and the back (3-4 pieces)
- Take a photo inside the house or land as collateral (3-4 pieces)
- Mark the Google map that may have a map number at the collateral location.
Working capital is the capital of a business used in transactions, trading, and daily use.
Capital expenditure is the operation to generate capital, such as assets, to maintain stability to serve needs and necessities.
III. Deposit Products Service
1. Saving Account
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
Saving is the start of financial stability. That’s why here at SME Bank, we offer rewarding interest rates with our different deposit plans to give you the best when you start saving.
Currency: USD and KHR
Interest rate (Per Annual): 0.08%
Interest payment: Interest is accrued daily and paid out monthly to the account
Benefit: Customer Account Information Card
Withholding tax: Resident 4% / Non-Resident 14%
-ID Card/Identity Document issued by an official authority (ID)/Password & Work Permit * (If applicable – for foreigners).
Obtain a photocopy of your ID Card/ID/Passport & Work Permit (if applicable – for foreigners).
For opening a saving account requirement minimum opening balance is USD 10 / KHR40000
Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
Early closure fee: USD 10/ KHR 40,000 closing account 6 months after the opening date, it will be charged.
2. Escrow Account
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
We offer escrow services to facilitate real estate investment for such purposes as home or land purchases. According to your instructions and the designated purpose for the account, we will provide safe and reliable fund escrow and transfer services.
Currency: USD and KHR
Interest rate (Per Annual): 0.00%
Interest payment: Interest is accrued daily and paid out monthly to the account
Benefit: Customer Account Information Card
Withholding tax: Resident 4% / Non-Resident 14%
-ID Card/Identity Document issued by an official authority (ID)/Password & Work Permit * (If applicable – for foreigners).
Obtain a photocopy of your ID Card/ID/Passport & Work Permit (if applicable – for foreigners).
For opening an escrow account requirement minimum opening balance is USD 10 / KHR40000
Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
Early closure fee: USD 10/ KHR 40,000 closing account 6 months before our opening date, it will be charged.
3. Junior Saver Account
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
A Junior Saving account is an account for saving for your child’s future and teaching them the basics of banking. Our Junior Savers Account gives children the opportunity to learn the benefits of saving and help them realize their dreams. In addition to earning interest, you will gain insurance protection for the future of your children. Meet your children’s growing needs with a Junior Savers Account.
Currency: USD and KHR
Interest rate (Per Annual): <1 year: 1.0%; >1 year: 2.5%
Interest payment: Interest is accrued daily and paid out monthly to the account
Benefit: Customer Account Information Card, Passbook, ATM, and Mobile banking
Withholding tax: Resident 4% / Non-Resident 14%
- ID Card/Birth Certificate/Family Record Book of minor; AND
- ID Card of parents/guardian Foreigner Minor
- Passport of minor; AND
- Passport of parents/guardian & Work Permit or other supporting documents Obtain photocopies of ID Card/Identity
- Document/Passport.
For opening a junior account requirement minimum opening balance is USD 50/ KHR 200,000.
Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
Early closure fee: USD 20/ KHR 80,000 closing account 12 months after the opening date, it will be charged.
4. Retirement Account
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
- Retirement Account can arrange the deposited cash to cover personal or family expenses after his/her retirement.
- Currency: USD and KHR
- Interest rate (Per Annual): <1 year: 1.0%; >1 year: 2.5%
- Interest payment: Interest is accrued daily and paid out monthly to the account
- Benefit: Customer Account Information Card
- Withholding tax: Resident 4% / Non-Resident 14%
- ID Card/Identity Document issued by an official authority (ID)/Password & Work Permit * (If applicable – for foreigners).
- Obtain a photocopy of your ID Card/ID/Passport & Work Permit (if applicable – for foreigners).
- For opening a retirement account requirement minimum opening balance is USD 50/ KHR 200,000.
- Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
- Early closure fee: USD 20/ KHR 80,000 closing account 12 months after the opening it will be charged.
5. Women Saving Account
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
- Designed to empower women especially those in business, the Women’s Saving Account offers attractive benefits like cashback, lower loan processing fees, etc. that make it stands out from normal saving accounts. This account can be opened by a woman individually or as a primary holder in case of joint holding.
- Currency: USD and KHR
- Interest rate (Per Annual): 0.9%
- Interest payment: Interest is accrued daily and paid out monthly to the account
- Benefit: Customer Account Information Card
- Withholding tax: Resident 4% / Non-Resident 14%
- ID Card/Identity Document issued by an official authority (ID)/Password & Work Permit * (If applicable – for foreigners).
- Obtain a photocopy of your ID Card/ID/Passport & Work Permit (if applicable – for foreigners).
- For opening women saving account requirement minimum opening balance is USD 50/ KHR 200,000.
- Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
- Early closure fee: USD 10/ KHR 40,000 closing account 6 months after the opening date, it will be charged.
6. Current Account
6.1 Current Account Non-Bearing Interest (Individual)
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
- ID Card/Identity Document issued by an official authority (ID)/Password & Work Permit * (If applicable – for foreigners).
- Obtain a photocopy of your ID Card/ID/Passport & Work Permit (if applicable – for foreigners).
- For opening a current account non-bearing interest (individual) requirement minimum opening balance is USD 100/ KHR 400,000.
- Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
- Early closure fee: USD 10/ KHR 40,000 closing account 6 months after the opening date, it will be charged.
6.2 Current Account Non-Bearing Interest (Non-Individual)
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
- ID Card/ID of Sole-Proprietor
- Memorandum of Article for Company (MOA)
- Tax Registration
- Certificate of Registration/Incorporation issued by the Ministry of Commerce (MOC)
- Business License issued by Directors to open account & list of authorized signatories (For corporate)
- Obtain photocopies of ID Cards (Partnership, of all authorized signatories and Directors/Shareholders*) & Certificate of Registration/Incorporation & Business License.
- *Shareholders with a majority or more than 25% controlling interest, whichever is applicable.
- For opening a current account non-bearing interest (non-individual) requirement minimum opening balance is USD 500/ KHR 2,000,000.
- Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
- Early closure fee: USD 10/ KHR 40,000 closing account 6 months after the opening date, it will be charged.
6.3. Current Account-Bearing Interest (Non-Individual)
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
- ID Card/ID of Sole-Proprietor
- Memorandum of Article for Company (MOA)
- Tax Registration
- Certificate of Registration/Incorporation issued by the Ministry of Commerce (MOC)
- Business License issued by Directors to open account & list of authorized signatories (For corporate)
- Obtain photocopies of ID Cards (Partnership, of all authorized signatories and Directors/Shareholders*) & Certificate of Registration/Incorporation & Business License.
- *Shareholders with a majority or more than 25% controlling interest, whichever is applicable.
- For opening a current account-bearing interest (non-individual) requirement minimum opening balance is USD 15,000/ KHR 60,000,000.
- Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
- Early closure fee: USD 10/ KHR 40,000 closing account 6 months after the opening date, it will be charged.
7. Term Deposit
7.1 Term Deposit – Monthly Interest (Individual)
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
- ID Card/Identity Document issued by an official authority (ID)/Password & Work Permit * (If applicable – for foreigners).
- Obtain a photocopy of your ID Card/ID/Passport & Work Permit (if applicable – for foreigners).
- For opening a term deposit – the monthly interest (individual) requirement minimum opening balance is USD 1,000/ KHR 4,000,000.
- Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
- Free and 1 business day notification.
7.2 Term Deposit – Monthly Interest (Non- Individual)
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
- ID Card/ID of Sole-Proprietor
- Memorandum of Article for Company (MOA)
- Tax Registration
- Certificate of Registration/Incorporation issued by the Ministry of Commerce (MOC)
- Business License issued by Directors to open account & list of authorized signatories (For corporate)
- Obtain photocopies of ID Cards (Partnership, of all authorized signatories and Directors/Shareholders*) & Certificate of Registration/Incorporation & Business License.
- *Shareholders with a majority or more than 25% controlling interest, whichever is applicable.
- For opening a term deposit – the monthly interest (non-individual) requirement minimum opening balance is USD 1,000/ KHR 4,000,000.
- Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
- Free and 1 business day notification.
7.3 Term Deposit- Maturity Interest (Individual)
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
- ID Card/Identity Document issued by an official authority (ID)/Password & Work Permit * (If applicable – for foreigners).
- Obtain a photocopy of your ID Card/ID/Passport & Work Permit (if applicable – for foreigners).
- For opening a term deposit – the maturity interest (individual) requirement minimum opening balance is USD 1,000/ KHR 4,000,000.
- Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
- Free and 1 business day notification.
7.4. Term Deposit-Maturity Interest (Non-Individual)
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
- ID Card/ID of Sole-Proprietor
- Memorandum of Article for Company (MOA)
- Tax Registration
- Certificate of Registration/Incorporation issued by the Ministry of Commerce (MOC)
- Business License issued by Directors to open account & list of authorized signatories (For corporate)
- Obtain photocopies of ID Cards (Partnership, of all authorized signatories and Directors/Shareholders*) & Certificate of Registration/Incorporation & Business License. *Shareholders with a majority or more than 25% controlling interest, whichever is applicable.
- For opening a term deposit – the maturity interest (non-individual) requirement minimum opening balance is USD 1,000/ KHR 4,000,000.
- Free – 1 per month/ USD 2 or KHR 8000 – per extra statement requested.
- Free and 1 business day notification.
IV. Digital
1. Online Loan Application
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
The Online loan application is a loan application that operation via online. Customer can submit their information in the application and the approval will be checked. Applying for a loan online allows customers to complete the entire loan process from the initial conditions to the issuance of the loan without having to visit a branch.
Customers are required to fill in the following information:
- Name
- Phone number
- Loan size
- Address
- Business name
- Type of industry
- Loan purpose
Applying for an online loan has many benefits for customers:
- Customers save time without coming to the bank directly
- Filling out information is quick and easy.
- Get consulting with RO by phone.
V. Business List
1. Priority List
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
The priority list is a set of areas that the government is focusing on, encouraging, and promoting to make these sectors grow and expand more in Cambodia.
The following 6 sectors are considered priority sectors that SME Bank strongly supports and encourages in financing to be used in their business.
- Food Manufacturing and Processing
- Manufacturing of consumer goods, manufacturing of spare parts or assembly to supply for other manufacturers, waste recycling, and manufacturing of goods serving tourism sectors
- Research and Development in IT or the supply of innovative IT-based services
- Enterprises located in SME Cluster Zones and Development of SME Cluster Zone
- Manufacturing of medical equipment and medicines
- Business supporting priority sectors
Priority list: Food Manufacturing and Processing is the activity of converting agricultural products or plants by whole processing or primary processing using machinery and handicrafts for human eats.
+ Production and Processing of Meat
- Production of canned fish, canned beef, canned pork
- Packing of beef, buffalo, port, and fish
- Production of dry pork, dry buffalo
- Processing of lobster, crab, snail, and seaweed
- Rendering of lard and other edible fat of animal origin
- Production of fish sauce
- Production of oyster sauce
- Processing of raw milk and condensed
- Processing of bird nest
- Processing all kinds of meat
- All kinds of Slaughters
+ Production and Processing of Fruit, vegetables, and Grains.
- Production of mango jam and banana jam
- Production of canned fruit, canned longan, canned rambutan
- Production of canned vegetables such as cabbage, beetroot, and pickled garlic
- Production of dry fruit, jack fruit, potatoes, taro, banana
- Production of roasting grains, cashews, and peanuts
- Product all kinds of fried og grains, peanuts cashews, lotus seeds, and sunflower seeds
- Production of groceries such as chili flakes, MSG, salt, and sauce
- Production of oil from fruits, vegetables, or grains such as palm oil and olive oil.
- Production of Juice such as apple juice, guava juice, carrot juice, and orange juice
- Processing of grain mill as corn, potatoes, and beans (except rice)
- Production of sugar as sugar cane, sugar palm, sugar corn, and sugar chocolate
- Processing and packing all kinds of fruits, vegetables, and grains
+ Processing of Snacks and Soft Drinks
- Production and packing of crispy cookies, milk cookies, and coffee cookies
- Production of steamed port roll
- Production of snacks such as noodles, and sandwich
- Production of ice cream such as chocolate ice cream, Coconut, banana
- Production of all kinds of coconut sugar, banana, and sugar confectionery
- Processing equipment of soft drinks such as processing of tea and coffee etc
- Production of coke
- Production of drinking water and mineral water
- Production of ice
- Bakery business
+ Manufacturing of consumer goods refers to the production of all general goods (consumer goods)
- Assembly of machinery for air filter
- Assembly of electronics for solar panels and wind power
- Assembly of all kinds of electronics for the production of electric bicycles such as motorcycles, televisions, cooking pots, computer
- Assembly of bicycles, motorcycles, and motor vehicle
- Production of textiles for apparel
- Production of leather for footwear, bag
- Production of furniture such as desks, beds, chairs, cabinet
- Production of pulp, paper, tissue, book
- Production of pesticides, insecticidal
- Production of agricultural fertilizers such as compost, chemical fertilizer, and organic fertilizer
- Production of construction equipment door, window, lamp, tile floor, etc
- Production of household equipment, plate, pot, pan, spoons, chopsticks
- All kinds of home decorative materials, tables, lamps, blankets, sofas, rugs, and painting
- Assembly/production of agricultural types of machinery such as dry machines, ovens, and other general-purpose machinery
- Production of electronic, electric wire, cables, and internet
- Production of all kinds of tanks
- Production of toys
- Handicrafts all kinds of soap
+ Manufacturing of spare parts of the assembly to supply for other manufacturers refers to activity for production of semi-finished products and input for use in the production of other company
- Production of other packings such as paper shell, glass, plastic, carbon, and metal
- Production of tags
- Processing of tapping rubber
- Production of vehicle accessories such as mirror, tire, door, and seat (except car mattress)
- Production of machinery accessories such as screws, chin, belt
- Production of bicycle accessories such as tires, saddles, chains, spokes
- Production of motorcycle accessories such as tires, saddles, chain
- Production of galvanized steel and bending
+ Processing of materials recovery refers to the treatment of waste or waste recycle into raw
material and new products or substances.
- Production of kerosene
- Sewage treatment system
- Water treatment system and disposal of non-hazardous waste
- Processing of material recovery such as manure and ash to generate electricity.
- Production of organic fertilizer from water
- Treatment of plastic bottles, and glass bottles for reuse
- Processing of plastic waste, glass, and bottles for new products
+ Manufacturing of goods serving the tourism sector refers to the production of goods for serving the tourism sector (except tourism services such as restaurants, hotels, transport, and travel agency.
- Production of wearing apparel for the tourism sector such as Angkor t-shirts, scarfs, silk skirts, and traditional clothes)
- Silk weaving
- Production of handcraft such as baskets and bamboo baskets
- Production of key chain
- Production of Angkor badge necklace
- Production of temple sculpture, animal sculpture, landscape sculpture
- All kinds of Khmer art and cultural painting such as temple sculptures, statues, landscape
- Production of souvenirs for tourist
+ Research and Development in IT or the supply of innovative IT-based services refer to the establishment and services supply for information technology linked to business through the electronic system.
- Enterprise/company establish financial technology (fintech)
- Enterprise/company establish an app on the smartphone, video games, dictionary, calendar, shopping program, e-learning, e-booking, delivery services
- Enterprise/company serving for a software development website, app, photoshop
- Web design and Web developer
- Enterprise crested all kinds of smartphones and computer
+ Enterprise located in SMEs cluster refers to manufacturing enterprise and provides other services located in SMEs cluster and managed by a public-private partnership or only the private sector.
- Logistics/Logistics service
- Cool storage/Cool storage service
- Local and international marketing consulting services
- Enterprise/factory/assembly general industrial machinery
- Enterprise/factory/assembly motor vehicles and motorcycles
- Rent of all kinds of production machinery services
- Enterprise/factory supply/production of raw materials
- Enterprise or factory processing of agricultural products and food beverage
- Repair machinery and equipment for all kinds of production service
- Enterprise manufacturing and service packing service
- Enterprise manufacturing and provide all kinds of service
+ Enterprise development in cluster zones refers to an enterprise having an investment in an SME cluster in form of public and private partnerships or only the private sector.
- Other companies wishing to invest in the creation of this concentration area including real estate, other factory production, or construction companies.
+ Manufacturing of medical equipment and medicines: Refer to enterprise manufacturing of production medical equipment and supplies for use in the health sector.
- Production of wearing protection apparel
- Production of protection mask
- Production of thermometer
- Production of needle and syringe
- Production of the surgical floor
- Production of bandages
- Production of medical shirt
- Production of nitrile gloves
- Production of gel and alcohol antiseptic
- Pharmaceutical enterprise and medical equipment
+ Business supporting priority sectors refer to the business distribution of goods and provide services to priority services to priority sectors set by the government including potential sectors and other sectors impacted by Covid-10.
- Digital marketing consulting service, business consulting, law consulting
- Computer repair and maintenance service
- Drying oven and storage facilities service
- Cool storage
- Agricultural products by using quality control machinery service
- Testing and confirming quality by using quality control machinery service
- Disinfection machinery rental service, verify machinery rental services
- Assembly of the glass house and net house service
- Assembly of drip irrigation system service, plastic for seeds cover
- Assembly of cooling fan for use in animal sheds
- Printing and labeling service
- Branding service
- Professional, experienced, and agricultural technical services
- Pumping water from the river service
- Technical skills and training service
- Business of selling pet food
- Business of selling chemical fertilizers and organic fertilizers
- Business of selling all kinds of seeds
- Dirty air filter service
- Rental machinery equipment for another production service
- Business of selling machinery equipment, accessories, and supply for other agriculture
- General Education and Training Institution
- Foreign Language School
2. Normal List
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
The normal list is focusing on business (wholesale and retail) and Services.
There are two types of normal list business (wholesale and retail) and Service.
Business (wholesale and retail) refers to a resale activity (wholesale and retail) without the conversation of new products or used products.
- Business selling computers, peripheral units, and software
- Business selling office furniture and household appliances
- Business of selling jewelry
- Business of textile articles, Apparel, Footwear, and glove
- Business of pharmaceutical and medical goods
- Business selling flowers and tree
- Business of selling office equipment, books, magazine, and news
- Business selling sports goods, toys, travel products, and musical instruments
- Business of selling construction, water system, and heating system equipment and accessories
- Business of selling rice, grains, starches, sugar
- Business of selling medical and dental supplies
- Business of selling vegetables, fruits
- Business of selling materials recovery
- Business of selling silk weaving, traditional clothes, silk shirt
- Business of selling curtains
- Business of selling souvenirs
- Business of selling grocery
- Business of selling electronic equipment such as air-conditioners, computer
- Business of selling motor vehicle spare parts, motorcycles, and bicycle
- Business of selling motor vehicles, motorcycles, and bicycle
- Business of selling construction
- Business of gas station
- Export and Import
The service sector refers to businesses that supply intangible goods, including transportation services, and restaurant services.
- Travel agency service
- Hotels, guest houses, and restaurants service
- Air-conditioner equipment repair and maintenance service
- Motor vehicles and motorcycle repair and maintenance of service
- Computer repair and maintenance services
- Tractor transport rice and production of agriculture service
- Design service
- Décor service
- Interior design service
- Barbershop
- Major branding and printing services
- Cleaning and maintenance service
- Transport service
- Security Company
- Clinic
- Advertising service
- Electricity Energy Supply
- Services for sports (Football/Volleyball)
- Services of Wedding Embellishment
- Steel business, Electrical Equipment, Plastic Equipment business
- Gas Business
- Business of drip irrigation system
- Business of electrical connection
3. Negative List
ហិរញ្ញប្បទានសហគ្រាសធុនតូច និងមធ្យម គឺជាឥណទានមួយប្រភេទសម្រាប់ផ្តល់ជូនអតិថិជនជារូបវន្តបុគ្គល និង/ឬនីតិបុគ្គលប្រកបអាជីវកម្មស្របច្បាប់ដើម្បីឱ្យអាជីវកម្មមានលទ្ធភាពពង្រីកសមត្ថភាពប្រតិបត្តិអាជីវកម្ម និងបង្កើតប្រាក់ចំណូលរបស់ខ្លួន។
Negative lists are a group of sectors that are in the wrong condition in SME Banks.
The following 3 sectors are considered negative sectors that SME Bank can not provide a loan.
- Construction sector
- Real Estate sector
- Financial and Insurance sector
It is an economic activity related to the creation, improvement, repair, or expansion of real estate in the form of houses, buildings, landscapes, engineering, and other engineering compensation, such as roads, bridges, and dams.
- Business of construction contractor
- Business of rental excavator
- Business of land and sand transport
- Business of selling sand and land
- Business of providing house foundation service
- Business of concrete casing
Refer to the purchase and sale of land, houses, buildings, stalls or shops, and other construction built on the land
- Business of by/sale/rent all kinds of real estate
- Business of built stalls for rent and sale, office of Borey and Condo
- Business of built storage of rent, house for rent, room for rent, stall for rent
- Buying/selling all kinds of real estate
Refer to the activities of companies and organization that provides financial services or loan to the customer (except Fintech)
- Pawnshop
- Business of loan
- Microloan
- Insurance company
- Business of exchange rate
- Wing agency, E-money, True money (except Fintech)
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