从外资到本土化：菲利普银行如何在柬埔寨建立信任并深耕发展

[来源: CIR] [分类提示: NEWS] 标题: From Foreign Investor to Cambodian Family: How Phillip Bank Built Trust — and Stayed By Botumroath Lebun When Ong Teong Hoon first came to Cambodia in the early 1990s, the country was just emerging from conflict. UNTAC had arrived. There were no cheques and few systems people trusted. Money moved in cash, often kept at home — in tin cans or under mattresses. “It was almost entirely a cash economy,” he recalled. “But it was inevitable the country would move toward modern banking.” More than three decades later, that shift shows in the numbers — nearly US$100 billion in banking assets, a surge in digital transactions, and a growing middle class entering the financial system for the first time. But Ong, now 74, does not measure that change in scale. He measures it in trust. “Banks are institutions of trust,” he said. “It takes time to build — but it breaks fast.” A System Built on Confidence, Not Just Capital PhillipCapital Group first invested in Cambodia in 2009 with US$100,000. Today, its shareholder funds exceed US$180 million. Phillip Bank operates 71 branches and employs over 1,700 Cambodian staff — across cities, towns, and provincial areas where formal banking once barely existed. For Ong, the numbers matter less than what stands behind them. “We came as investors,” he said. “We stayed as part of the system.” Cambodia’s banking system did not grow in a straight line. In the 1990s, Ong watched banks collapse — First Overseas Bank, Cambodia Farmers Bank, Pacific Commer