Navigating Challenges, Building Strength – The Year 2025!

Looking back on 2025, it was a year in which BAMC FINANCE PLC. truly demonstrated its profound resilience and unwavering determination. As we all experienced, the past year presented a highly complex operating environment, with reginal geopolitical tensions and broader global economic uncertainties prompting both businesses and individuals to adopt an exceptionally cautious and conservative approach to financial decisions. Despite these pronounced market headwinds and operational constraints, our dedicated team worked tirelessly around the clock to preserve the hard-earned trust of our customers and safeguard the asset quality of our portfolio.

Rather than pursuing aggressive expansion during these times of uncertainty, the BAMC team capitalized on these challenges to fundamentally strengthen our internal operational frameworks. We placed sharp, strategic emphasis on asset quality and recovery-focused management, implementing proactive risk management practices across all levels. This disciplined approach allowed us to tightly control and maintain a highly sound and stable loan portfolio amidst volatile market conditions.

Through this rigorous risk management, we are proud to have achieved remarkable financial milestones. By year-end, our total loan portfolio grew by 44.5%, rising from USD 9 million to USD 13 million. To further secure our path toward sustainable long-term growth, our paid-in capital was substantially strengthened from USD 15 million to USD 17.5 million, significantly bolstering our financial stability. These achievements are a direct result of our shareholders’ absolute confidence in BAMC’s potential and the exceptional dedication of our team, who consistently went above and beyond their duties.

Beyond our financial performance, we remain deeply committed to the pillars of transparent governance and rigorous compliance, which form the bedrock of any trusted financial institution. Notably, we comprehensively upgraded and fortified our Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) framework to ensure absolute alignment with the stringent regulatory guidelines of the National Bank of Cambodia (NBC) and international best practices. By overhauling our internal control systems and expanding professional compliance training for our employees, we have significantly enhanced our risk screening and monitoring mechanisms. This ensures that BAMC remains one of the safest, most transparent, and secure financial platforms in the industry.

In parallel, BAMC continued to focus on enhancing the competitiveness of our financial products and services to adapt to rapidly evolving market trends. While our established Auto Loan product served as a reliable anchor by consistently meeting market demands, we are actively preparing for the successful launch of an innovative pre-departure financing solution in 2026, tentatively named the “Bridge Loan.” This new initiative is designed to open up transformative opportunities for Cambodian nationals preparing to work or study in Korea, while simultaneously serving as a key driver for BAMC’s next phase of growth.

To my beloved BAMC family and all our esteemed partners, we will continue to stand strong against market shifting and grow as the most trusted financial institution that our customers always turn to first. We remain firmly committed to ensuring that the financial value we create translates into a meaningful, lasting contribution to Cambodia’s sustainable economic development.

Reaffirming our shared commitment through the words that inspire us every day, let us move forward together toward a bright future “BAMC FOR THE BEST. 우리는 할 수 있다. ពួកយើងអាចធ្វើបាន! ”

Thank you for your enduring support and partnership.

 
Mr. YOON JONG LYOL
Chief Executive Officer
BAMC Finance Plc.