Dear Shareholders, Customers, and the KDSB Family!
As we conclude 2025, I would like to express my sincere gratitude to our shareholders, customers, and employees for your continued trust and support.
Despite a rapidly changing financial environment and intensifying market competition, KDSB has remained resilient and achieved meaningful progress through our commitment to sustainable and disciplined growth.
In 2025, KDSB delivered solid performance:
- Total Gross Loans: USD 239,259,632
- Annual Net Profit: USD 6,906,878
- Asset Quality: NPL at 5.63%
These results reflect the trust of our customers and the dedication of our employees. Our focus has been not simply on becoming bigger, but on becoming stronger and better, guided by sound fundamentals, disciplined execution, and responsible risk management.
Looking ahead to 2026, we remain confident despite potential challenges. The teamwork, commitment, and resilience demonstrated throughout 2025 provide a strong foundation for our continued progress.
Our mission remains clear: to contribute to Cambodian society by providing reliable and advanced financial services with integrity. We aim to expand financial opportunities for the Cambodian people while strengthening our role as a trusted financial partner in the communities we serve.
In 2026, we will focus on three key priorities:
- Enhancing customer experience through faster and more reliable services.
- Empowering our employees through fair opportunities for growth and development.
- Improving operational efficiency by streamlining processes and strengthening execution.
The achievements of 2025 mark an important milestone, but the trust and teamwork we have built together will continue to guide our future.
I sincerely appreciate the dedication of the entire KDSB family and look forward to achieving even greater progress together in 2026.
Yours Sincerely,
LAH SEA HWAN
Chief Executive Officer
