Credit Bureau Cambodia (CBC) is the leading provider of financial information, analytical solutions, and credit reporting services to financial institutions and consumers in the Kingdom of Cambodia.

With strong support from the National Bank of Cambodia (NBC), the Association of Banks in Cambodia (ABC), the Cambodia Microfinance Association (CMA), and the International Finance Corporation (IFC), a world-class private credit bureau was initiated in response to the demands of Cambodia’s financial sectors to run a fair, transparent, and well-managed credit market to support the country’s economic growth. A Credit Bureau Working Committee was formed to initiate the formation of the credit bureau. Subsequently, the request for proposal (RFP) was issued and the selection of a vendor partnership was finalized in 2010. The Prakas on Credit Reporting was passed in May 2011 and Credit Bureau Cambodia (CBC) was officially launched on March 19, 2012.

CBC assists its customers in managing the risks and rewards of commercial and financial decisions. Using our comprehensive suite of credit reporting tools, we foster an understanding of individuals, markets, and the Cambodia economy. We help organizations find, develop, and manage customer relationships to make their businesses more profitable. In addition, CBC also promotes greater financial stability by providing accurate real-time data to consumers and industry that helps them control the financial aspects of their business. We help businesses in Cambodia manage credit risk, prevent fraud, and automate decision making. CBC also helps individuals in Cambodia to check their credit report to ensure that they have access to loans and financing. As of July 2020, CBC has 170 members including banks, microfinances, leasing companies, and rural credit operators.

Benefits of the CBC:

  • For Consumers:
    • Greater access to credit with, wherever possible, a lower interest rate based on their historical payment behavior and credit profile
    • Increase the efficiency of loan evaluation which can result in faster loan processing, enabling consumers to get access to finance faster than before
    • Clients are empowered to apply for credit with different lenders, thus increasing competiveness and stimulating credit innovations
    • Assisting default-prone borrowers to restore their poor credit profile so that they can have access to credit with, wherever possible, a lower interest rate
  • For the Financial Sector and the Economy:
    • Broader and fairer access to credit—decreasing information asymmetries between borrowers and lenders, expanding access to credit, and lowering the cost of credit for good borrowers
    • Better loan performance—allowing lenders to accurately evaluate risks and improve portfolio quality

Over-indebtedness prevention—allowing lenders to sight applicant’s total credit liabilities with calculated repayment capability for better credit or loan decision making