President & CEO Message

“With the strong commitment of our staff and management, HKL, owned by Bank of Ayudhya (as known as Krungsri), one of the leading commercial banks in Thailand, and a member of MUFG, Hattha Kaksekar Limited (HKL), is looking forwards to providing sustainable financial services and products with greater digital outlook while providing trusted, convenient and innovative financial solutions that bring delightful experiences to customers.”

Aligned with the outburst growth of Cambodia’s economic reaching 7.4% which makes 2018 the highest economic growth within the last 10 years (MoEF), HKL has grown its size bigger through continual trust of its customers and shareholders. In August 2018, it has received capital injection of USD 45 million, increasing to the total of USD 75 million registered capital which meets the capital requirement of commercial bank in Cambodia. 

As of December 2018, our number of borrowers reached 134,410, and depositors reached 206,323, with 46,665 card holders. The loan portfolio has reached USD 757.3 million, an increase of 31% from 2017, with a remarkable growth of net income reaching USD 20.8 million, an increase of 35% from 2017. The saving and deposit amount has increased to USD 480.1 million, showing at most trust from our clients and the public to Hattha Kaksekar. 

HKL’s operations have been expanded to 178 branches with 129 ATMs across Cambodia. Our professional 3,603 employees are being on the go in providing best possible financial services across wide branch networks. Non-performing loan ratio has decreased 0.42% to 0.68% in 2018 compared to 2017.

In its digital outlook, HKL continues introducing new advanced technology and embark its digital platforms in all operational aspects within sustainable manners in order to meet customers’ needs in this digital era. We continue to enhance our iBanking and Mobile platforms to serve our customers better through our experienced teams.

HKL seeks to provide highly convenient and trusted one-stop financial services to our customers. In 2018, we have partnered with Sovannaphum Life Assurance Plc. (SVL), and later with Wing which allows clients to make loan payment through Wing nationwide. HKL will continue to work in collaborations with our potential partners in response to customers’ needs, and continue to provide new level of customer experiences to our existing and potential clients. HKL was rated as BBB+ by Tris Rating Agency, international rating agency, for its stable operations with strong position in Cambodia market. Many key indicators were used for the rating including but not limited to nationwide branch network, diverse customer base, good risk management system, strong financial and liquidity management. 

HKL takes into account social responsibility, customers’ satisfaction and client protection by maintaining its strong interest in corporate social responsibility, having supported the related educational activities program, environment and people’s health & safety, and ensuring HKL’s clients have produced no harm to the environment and society. HKL continues to improve the service quality. On annual basis, clients’ survey feedback has been collected and reviewed for service improvement to meet the customers’ needs. A few campaigns were initiated to offer special prices to loyal customers and to incentivize members who referred clients to HKL. HKL also set up a tele-sale team to communicate with prospects to fit the specific need of each customer group.

I would like to convey my heartfelt appreciation to our management and staff who have given their commitment and join hands for this great accomplishment. I appreciate the trust and continual supports provided by our customers, partners, shareholders and the public, and I look forwards to providing highest standard financial services in the years to come.

Oknha HOUT Ieng Tong 
President & CEO  

Annual Report 2018
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ATM Network
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Achievement YTD January 31, 2020
Number of Office 177
Headquarter 1
Total Number of Staff 4,568
Male 3,321
Female 1,247
Loan Outstanding USD 1,087 M
Number of Active Borrower 172,169
Deposit USD 591 M
Active Customer 262,498
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