柬埔寨银行业资产规模破千亿 不良贷款率攀升面临挑战

[来源: CIR] [分类提示: NEWS] 标题: Opinion: Crisis or (Mere) Challenge? The State of Cambodia’s Banking Industry By Raymond Sia Prologue “Crisis” – An unstable or crucial time or state of affairs in which a decisive change is impending especially one with the distinct possibility of a highly undesirable outcome. “Challenge” – A difficult task or problem or an activity whose difficulty provides enjoyable intellectual or physical stimulation. (source: Merriam-Webster dictionary) As at 31 December 2025, Cambodia’s banking industry stood at an impressive asset base that tells a remarkable story of growth; along with growing pains. Over the past decade, the banking industry recorded an extraordinary 400% surge in asset value, climbing from USD 20.2 billion in 2015 to USD 101.8 billion in 2025. (Source: National Bank of Cambodia – Banking Supervision Report). That kind of trajectory would be the envy of many markets across the region. Yet today, the conversation has shifted. The question being whispered; and increasingly spoken across industry circles and boardrooms is this: “Is Cambodia’s banking sector facing a crisis, or is this simply a challenging chapter in a longer growth story?” Read More: Opinion – Banking Industry Priorities Today for Tomorrow’s Success 1. Loans & NPL | “We Get What We Give” Lending growth has slowed to a decade low, while non-performing loan (“NPL”) ratios have climbed to historical highs; and continue to rise. These two indicators, moving in opposite directions, are telling us someth