Welcome to ACLEDA Financial Trust

ACLEDA Financial Trust (AFT) succeeded ACLEDA NGO under the "Sub-Decree No: 476 Or Nor Kror Bor Kor, dated August 26, 2013 on the Financial Trusts" of the Royal Government of Cambodia, and the "Prakas No: 1041 Sar Hor Vor Bror Kor, dated September 26, 2014 on the Management and Monitoring of Financial Trusts" of the Ministry of Economy and Finance.

The certificate No: 269 Sar Hor Vor Or Ouk Hor, dated August 19, 2015 was also obtained from the Ministry of Economy and Finance with its registered office at #61, Preah Monivong Blvd., Sangkat Srah Chork, Khan Daun Penh, Phnom Penh, Kingdom of Cambodia.

The purpose and role of AFT are to:

  • Create opportunities for employment and income sources to contribute to Cambodian economic development;
  • Promote and support the advancement of the sciences related to economic development including finance and banking, and with a focus on financial inclusion and financial literacy;
  • Promote economic and educational opportunities for youth and low income populations;
  • Contribute to improved financial services through ACLEDA Bank Plc. and associated entities, in order to stimulate the local economy.

AFT acts as one of the shareholders of ACLEDA Bank Plc. that is established under the laws of the Royal Government of Cambodia, in order to encourage adherence of ACLEDA Bank Plc. to the original objective to support Cambodian micro, small and medium entrepreneurs and to maintain Cambodian nationality of ACLEDA Bank Plc. AFT shall pursue directly and exclusively the aforementioned objectives. It shall act altruistically and shall not primarily pursue objectives for its own private commercial interests.

AFT is non-political and not affiliated with any political party. It may use its financial means only for the purposes set out in these statutes. No individual may benefit from any disproportionately high remuneration or from an expense, which is not consistent with the AFT's purposes.

Vision and Mission 

Vision: Empowered consumers, and a visionary, inclusive financial sector now and for future generations.

Mission: The ACLEDA Financial Trust will be a dynamic action center that aims to advance the state of financial inclusion by supporting innovative initiatives, enhancing the value of the financial sector to people, economy, environment, society and culture.

We support financial and educational initiatives that aim to add value to financial sectors in the Mekong region by promoting economic and educational opportunity for poor and low-income people, particularly youth.

Our Goal is to advance financial inclusion by:

  • Meeting the original donors objectives to improve opportunities for poor and low-income people through access to financial services, increased financial capability, human resource development and improved business acumen.
  • Establishing, increasing and enriching the pool of resources active in regional financial sectors, with a focus on finance as well as expertise in human resources development, financial education, and business development for entrepreneurs.
  • Expanding regulation, organizational forms, products, services and expertise to build and maintain a healthy financial sector that serves poor and low-income people, particularly youth.
  • Supporting both the demand and supply side of financial and educational services applying the expertise of regional talent and building a network for regional exchange and application of lessons and pilots.
  • Becoming a vital and active contributor to increasing financial inclusion through the ACLEDA Bank Network, NGOs, MFIs.
  • Serving as a leader for the support of high quality pilots of "branded products" directly in the financial services field or with formal educational institutions and informal educational initiatives.

Board of Trustees 

  • Dr. In Channy, Third Party, Chairperson
  • Mrs. Mar Amara, Third Party, Vice Chairperson
  • Mr. Bretton G. Sciaroni, Third Party, Member
  • Mrs. Heather Clark, Third Party, Member
  • Mr. Harald Huttenrauch, Third Party, Member

Core Value 

  • Good governance.
  • Transparent performance standards.
  • Individual and Corporate honesty and integrity.
  • Creation of financial wealth through growth and good stewardship.
  • Care for the environment through Green Finance.
  • Innovation to create opportunity to participate in society and economy.
  • Sharing experience openly with others.
  • Maintaining the highest quality of service in finance, professional development and financial education.

Strategic Areas of Focus 

  • Professional Development Services for the financial sector.
  • Financial Education for youth.
  • Financial Education and Business Development services for micro, small and medium scale entrepreneurs.
  • Green Finance partnerships.
  • Conducive regulation and organizational innovation.
  • Innovation in educational and financial products and delivery systems.
Contact Information

ACLEDA Bank Plc. Headquarters

Address: #61, Preah Monivong Blvd., Sangkat Srah Chork, Khan Daun Penh, Phnom Penh, Kingdom of Cambodia.

Tel: +855 (0)23 998 777 / 430 999
Fax: +855 (0)23 430 555
P.O.Box: 1149
E-mail: acledaft@acledaft.com