upervised By: Prof.

Shweta Bambuwala

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Banking Industry of Cambodia

Presented By
Monalisa Padaria
Sonali Desai
Priya Rai
SarathiTrivedi
Aashkaran Gadhvi
Bhavya Gohel

(NR
(NR
(NR
(NR
(NR
(NR

13086
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13113
13165
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Introduction of Cambodia
Cambodians financial

sector is at a initial

stage
Before

1989, Cambodia had a monobanking

system which National Bank acted as central
and commercial

From

1989, Government decree to separate

the function of commercial banks from NBC

Banking Structure in
Cambodia
Before relicensing program, commercial
banking system consist of 31 banks,
including :
2

Government-owned banks
22 locally incorporated banks
7 foreign branches bank

After relicensing program until present,

commercial banking system consist of
17banks, including
1 state owned bank
10 locally incorporated banks
3 foreign branches bank
3 specialized bank

Comparison of
STEEPLED Analysis

STEEPLED
FACTOR

Cambodia

Gujarat

The average annual growth

rate of real GDP between
2001 and 2007 was 9.6 per
cent per annum.

Private consumption prices

decreased by 6.2 percent in
2007, compared with the 6.8
per cent increase in 2006.

Gujarat milkmen get

their own bank accounts,
ATM cards

The Government has asked

for assistance from UNESCO
to take some initiative to
review the current state of
science and technology,
innovation policy and
education of this sector.

banks have move

towards universal banking

STEEPLED Analysis

Social

Technology

Lack of e-banking and access

to services.

Awareness for farmers

& PACS by Stalls and
Shibirs

Increased use of
technology based services
like smart cards, ATM,
mobile banking, HR and
ERP, process
reengineering.
Cashless and paperless

STEEPLED
FACTOR

Cambodia

Environment

Gujarat
Collapse of LEHMAN
BROTHERS lead to dollar
liquidity and later RBI had to
sell Dollars

Cambodia has liberal

and competitive investment
laws and it also has great
potential to receive business
investments in all the
It had an adverse impact on
sectors as they allow 100% domestic Liquidity
foreign investments.
conditions.
Collapse of LEHMAN
BROTHERS did have an
adverse impact on the
banking sector of Cambodia
but Douglas Clayton(head of
investment funds) stated,
Cambodias lack of
integration into global
economy helped it escape
from the worse effects of the
crises

To deal with the crises,

Reserve Bank used
instruments like CRR(cash
reserve ratio), SLR(Statutory
liquidity ratio).

STEEPLED
FACTOR

Cambodia

Gujarat

Economic
The banking and
micro finance sector of
Cambodia has 22
commercial banks, 6
specialized banks and
18 micro finance
institutions.
Banking and service
sector contributes
41% to the GDP of
Combodia, where as
agriculture 27% and
industry 32%.

Gujarat GDP contributes 7%

to Indian GDP
Banking and service sector
contributes 59% to the GDP
of Gujarat, where as agriculture
16% and industry 25%.

STEEPLED
FACTOR
Political

Cambodia

Gujarat

Political Stability and

Stability of the Banking
Sector in Cambodia are
stable.

They have an open

economy so they allow
100% foreign
investment in most of the
industries hence, the core
sectors that the
Government emphasis on
for development is rice
farming, garments,
manufacturing and tourism.

Banks provide loans to

the small scale industrialists
who have a major role in
the political development of
Gujarat

Banks provide loans to

some regional political
parties and independent
contestants so that they
can take part in the
elections

STEEPLED
FACTOR
Legal

Cambodia
Under law of Cambodia,
a merger of two or more
commercial entities is
possible, with the
underlying principle that all
assets and liabilities of the
two or more merged
entities automatically pass
to the new entity
recognized by law.
Cambodian law in
relation to mergers is
currently unclear in a
number of areas,
particularly in respect of
procedure and
administration, and the
provisions are not well
tested in practice.

Gujarat
The top-down view
shows central banks
overseeing financial
activities for the entire
nation.

Electronic fund transfer

systems, Automated Teller
Machines (ATMs), and
computerized homebanking services all
combined to transform the
way that banks conduct
business.

STEEPLED
FACTOR
Ethical

Cambodia
Professional ethics and
code of conduct
Lack of Accounting and
Auditing clearance
(case : ANZ BANK )

Gujarat
The Ethical Policy

requires that all business

accounts are screened at
the time of account
opening by the staff person
dealing with the member.
the highest standards of
honest and ethical conduct,
highest level of
confidentiality and fair
dealing within and outside
the Bank

STEEPLED
FACTOR
Demographic

Cambodia

Gujarat

The number of private

local banks is increasing
every year while there is
no growth in number of the
foreign and state-owned
banks.

The concern largely

centers on the muchdebated demographic
dividend, or the rising
proportion of working-age
people in Gujarat.

Total assets reached

more than US$1 billion in
2013, an increased around
43% compared to the
previous year

The recent One Globe

2013 knowledge
conference in New Delhi
emphasized the role that
Banking industry needs to
play

SWOT Analysis of
Banking
Industry in Cambodia

Strength

Government

Weakness
support,

especially

NBC

Strong support from international

Highly dollarized financial system

Highly liquid in the banking sector
No Capital Markets

organizations, such as WB, ADB,

IMF, IFC etc.

Association of Banks in Cambodia

(ABC)

Opportunity

Threats

Economic growth

Political risk

Public trust

Competition From Foreign Banks

WTO accession

Low level of savings intermediation

SWOT Analysis of
Banking
Industry in Gujarat

Strength

Weakness

High standard regulatory environment

Bank lending has been a significant

driver of GDP growth and employment

Presence of more number of smaller

banks

Large manpower with relevant banking

skills

Approximately

53000

networks

of

branches spread all over the country

Low operating size

High operating cost
Financial exclusion
Inadequate deposit mobilization efforts
Poor customer service
Credit to non-productive sectors
Unsatisfactory work culture
Inadequate access to global financial
system

Anywhere banking and anytime banking

has become a reality

Banks have gained financial strengths

Freedom to pursue new lines of business

Re-structuring of the assets

Freedom in pricing and structuring their

International and other Competitors

Opportunity

Threats

products

Huge surplus manpower

Opportunities to access foreign market.

Absence of good work culture

Growing SME sector leading to greater

demand of credit facilities.

Antiquated laborlaws
High

level

of

Non

Performing

SWOT Analysis of
Banking
Industry in
Jammu & Kashmir

STRENGTH

WEAKNESS

Located in the residential as well as

commercial areas

bank has six days/week working

schedule

authority

to

deal

in

foreign

Not

very

advertisement.

wide range of scheme and services

ATM services are very less.

Product and services

OPPORTUNITY

THREATS

Company can explore and exploit its Competitor

growth potential assessed in profile

for

the

Bank lacks in sales promotion and

to meet diverse customer needs

attractive

customer.

exchange

No branch in foreign country.

Technology

Bilateral Trade Opportunities

 Co-operate

in a number of privatized and foreign era

Indian

private sector investment in Cambodia The

beginning

Cambodia-India

Centre for English Language Training

(CICELT)
India

can find opportunities in banking sector mainly

in corporate and privatized bank.

Indian

banking can try to make some political

relations and help them have awareness about the
concerned matters of the country.

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