Our History
With the ILO and UNDP as godparents, ACLEDA was established in January, 1993, as a national NGO for micro and small enterprises development and credit by a group of founders below. From its earliest days it enjoyed the support of a number of major international development agencies whose contribution is gratefully acknowledged in our 'Roll of Honour'. Two factors, namely expansion of its network to cover all of Cambodia’s provinces and towns and its ability to operate at a profit to ensure its sustainability, led both its board and international partners to conclude that it should be transformed into a commercial bank. This would not only provide a secure regulatory framework lacking under its previous status but would enable it to enlarge its range of funding options (e.g. equity injection, taking public deposits, obtaining commercial interbank loans) to support expansion of its core micro-finance business. With assistance from USAID, MPDF/IFC and UNDP—to name a few—a three year program for transformation commenced in 1998 which culminated in the granting of a specialised banking license in October, 2000.Under the process, the original NGO has transferred its assets and on-lent its liabilities (long term loans from donors) to the new ACLEDA Bank. In return, it has received 44.91% of the bank’s capital of US$4 million; the ACLEDA Staff Association (‘ASA’), a trust established to give its staff an equity interest, has purchased 6.09% and the remaining 49% has been taken up in equal parts by four foreign investors, namely the International Finance Corporation (a division of the World Bank), DEG (Germany), FMO and Triodos Bank (The Netherlands). It is intended that ACLEDA Bank will seek a listing on a stock exchange at some time in the future.
Since December 01, 2003, ACLEDA Bank was licensed as a Commercial Bank after having tripled its capital to US$13 million, and was named ACLEDA Bank Plc. On November 30, 2006, ACLEDA Bank raised its issued and paid-up capital from US$13 million to US$30 million. On January 04, 2008, ACLEDA Bank celebrated its fifteenth anniversary and raised its issued and paid-up capital from US$30 million to US$50 million.
On January 23, 2009, the capital of ACLEDA Bank Plc. was increased from US$50 million to US$60 million and further increased on June 12, 2009 to US$68.15 million. On December 17, 2009, JSH Asian Holdings Limited publicly acquired a 12.25% stake in ACLEDA Bank Plc. from FMO, the international development bank of the Netherlands. Its current shareholders structure has been changed as follows:
| Shareholder | Number of Share | Subscription Price (US$) | Ownership (%) |
|---|---|---|---|
| ACLEDA NGO | 21,808,000 | $21,808,000 | 32.00% |
| ASA | 12,948,500 | $12,948,500 | 19.00% |
| DEG | 8,348,375 | $8,348,375 | 12.25% |
| JSHAHL | 8,348,375 | $8,348,375 | 12.25% |
| IFC | 8,348,375 | $8,348,375 | 12.25% |
| Triodos | 2,969,656 | $2,969,656 | 4.36% |
| Triodos Fair Share Fund | 2,945,141 | $2,945,141 | 4.32% |
| Triodos Microfinance Fund | 2,433,578 | $2,433,578 | 3.57% |
| Total | 68,150,000 | $68,150,000 | 100.00% |
ACLEDA Bank's external auditor is KPMG Cambodia Ltd and its legal advisor is Sciaroni & Associates.
Beside of Credit and Savings products ACLEDA Bank has provided Funds Transfers Services locally and internationally through Western Union® and SWIFT (Society Worldwide for Interbank Financial Telecommunication). We also offer E-Banking, Trade Finance including Documentary Collection, Documentary Credit, Bank Guarantee, and more and Cash Management Services including Foreign Exchange, Standing Order / Direct Debit, Supplier Payment, Cash Consolidation Accounts, Payroll Service, Bank Confirmation, Cashier's Cheque, Distributor / Cash Collection, Traveller's Cheque, Foreign Cheque Purchasing Services, Bank Draft, Safe Box Service, Tax Payment Service, and much more.
ACLEDA’s Headquarters is located in Phnom Penh and in addition it maintains a branch network covering Phnom Penh, Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kep, Kandal, Koh Kong, Kratie, Mondulkiri, Otdar Meanchey, Pailin, Preah Vihear, Prey Veng, Pursat, Rattanakiri, Siem Reap, Sihanouk, Stung Treng, Svay Rieng, and Takeo provinces.
Since July 2008 ACLEDA Bank established its first international subsidiary commercial bank in Lao PDR, headquartered in Vientiane and later had two more branches in Savannakhet and Champasak.
| Year | Provinces/Towns Expanded During the Year |
|---|---|
| Kingdom of Cambodia | |
| 1993 | Phnom Penh, Kandal, Banteay Meanchey, Siem Reap, Battambang, Kampong Cham |
| 1994 | Takeo, Kampot, Kep |
| 1995 | Sihanouk Ville |
| 1996 | Pursat |
| 1997 | Kampong Speu, Kampong Thom |
| 2000 | Kampong Chhnang, Svay Rieng |
| 2001 | Prey Veng |
| 2003 | Koh Kong |
| 2004 | Pailin, Otdar Meanchey, Preah Vihear, Kratie |
| 2005 | Stung Treng |
| 2006 | Rattanakiri, Mondulkiri |
| Lao PDR | |
| 2008 | Vientiane, Savannakhet, Champasak |
ACLEDA Unity
How to Use ACLEDA Unity
Download (size: 3.18MB)
Download (size: 3.18MB)
ACLEDA Unity offers access to financial services to the whole community across all mobile phone networks. It unites people under a financial umbrella that simplifies day to day banking allowing a wide range of transactions to be securely performed through your mobile phone anywhere in the country and overseas without having to visit a branch. It offers convenience, security and service wherever you are and whatever you are doing.
Benefits
- Convenience: ACLEDA Bank is really easy to do business with.
- Immediacy: I can interact with ACLEDA Bank where and when I want to.
- Control: ACLEDA Bank put me in the driver's seat.
- Self-service: ACLEDA Bank lets me do it myself and it saves me time.
- Engaged: ACLEDA Bank makes banking interesting and up to date.
Features
- All brands of mobile phones and all networks are able to use ACLEDA Unity.
- You can choose Khmer or English language for ACLEDA Unity.
- ACLEDA Unity is available for Khmer Riel, US Dollar, and Thai Bath (for different currency of the account, the bank will convert it automatically based on exchange rate of ACLEDA Bank.)
Channels
With ACLEDA Unity, you can choose one or both of channels below to operate banking services based on your need.- Sending and receiving account information through SMS
- Balance enquiry
- Mini-statement
- Mobile phone top up with 'hello (015/016/081), SMART Mobile (093/010/069/070), and Beeline (090/068/067)'
- Sending message for helps
- Receiving message alerts from the bank
- Request to connect Web Browser or Application
- Accessing banking services via mobile phone's Web Browser or Application which is downloaded into mobile phone
- Balance enquiry
- Mini-statement
- Own account transfer (in the same branch)
- Person to person funds transfers (for account with ACLEDA Bank)
- Bill payment (pay electricity bills to Electricité du Cambodge and water bills to Phnom Penh Water Supply Authority)
- Mobile phone top up with 'hello (015/016/081), SMART Mobile (093/010/069/070), and Beeline (090/068/067)'
Fee Charges
- Registration: USD5, KHR20,000, or THB200
- Balance enquiry & mini-statement: USD0.50, KHR2,000, or THB20 per month
- Mobile phone top up: free of charge
- Bill payment: USD0.25, KHR1,000, or THB10 per transaction
- Own account transfer (in the same branch): USD0.10, KHR400, or THB5 per transaction
- Person to person funds transfers (for an account with ACLEDA Bank): USD1, KHR4,000, or THB50 per transaction
- Add/remove/change account number: USD1, KHR4,000, or THB50
- Add/remove/change phone number or SIM: USD1, KHR4,000, or THB50
- Change language (Khmer or English): USD1, KHR4,000, or THB50
- Suspend/unsuspend, redownload Application/Web browser, unlock/reset password: free of charge
Number of Transactions
You can transfer your funds to another person whose account is within ACLEDA Bank of up to 25 times per day and up to US$999 or equivalent for each transaction. Besides this, it is unlimited.How to register for ACLEDA Unity
- Simply go to any ACLEDA Bank's branch close to you
- Show your valid ID Card, Passport, Family Book, or Driving License
- Have an account with ACLEDA Bank such as Savings Account, Current Account, or Demand Deposit Account
- Bring your mobile number and phone which is already connected to the internet
- Fill ACLEDA Unity application form provided.
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