柬埔寨国家银行停止贷款重组优惠 金融业面临不良贷款压力

[来源: CIR] [分类提示: NEWS] 标题: NBC Ends COVID-19 Era Loan Forbearance as Cambodia’s Banks Brace for Further NPL and Profit Pressure Cambodia Investment Review Cambodia’s banking regulators decision not to extend preferential loan-restructuring measures could trigger a short-term increase in reported non-performing loans and weaken bank profitability, but the move represents an important step toward restoring transparency and confidence in the financial system. The National Bank of Cambodia has reportedly rejected a request from banks and microfinance institutions to continue the temporary framework until the end of 2026. The relief measures gave lenders greater flexibility in classifying restructured loans and calculating provisions for expected losses. While originally introduced during the Covid-19 crisis, restructuring support has been repeatedly extended as borrowers faced a slow economic recovery, a property-sector downturn and more recent external shocks. However, prolonged regulatory forbearance can prevent the true condition of bank balance sheets from being fully recognised. The International Monetary Fund has repeatedly called for Cambodia’s remaining regulatory forbearance measures to be phased out, accompanied by more rigorous loan classification, provisioning and supervisory oversight. The World Bank Group has raised similar concerns about rising financial-sector risks. Its private-sector arm, the International Finance Corporation, has also promoted stronger responsible-lending and borrowe