Cambodia Investment Review
Cambodian microfinance institution Amret has won the “Cambodia Business Product Innovation of the Year – Financial Services” award at the Asian Innovation Excellence Awards 2026 for its joint savings account for parents and children, “Khmeng Chhlat.”
Organised by Asian Business Review, the awards recognise products and initiatives that deliver impact across the region.
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Amret said the account is designed to help families build savings for children’s education and future needs. Its distinctive feature is the combination of four benefits in one product: flexible deposits, a high interest rate, life insurance protection and academic rewards for eligible students.
Savings and insurance benefits
Customers can begin saving from KHR 1,500 per day. During the savings period, the account provides life insurance protection of up to $4,000 if the account holder dies or becomes unable to work, according to Amret.
The account also offers cash bonuses of up to $1,000 to eligible children of account holders who complete Grade 12 with outstanding results. Amret did not provide further details on the eligibility criteria.
The company said the product has supported Cambodian families, particularly women customers, in planning for their children’s financial and educational needs over the past six years.
Amret’s operations in Cambodia
Amret said it serves nearly one million customers through 150 branches and employs more than 4,700 people. As of September 2026, it reported total assets of more than $2 billion, deposits exceeding $1.5 billion and a loan portfolio of more than $1.7 billion.
The company has operated in Cambodia for more than 35 years. It said it ranked among the country’s seven highest taxpayers in 2025 and received a Gold Tax Compliance Certificate from the General Department of Taxation. Amret also holds Gold-Level Client Protection Certification from global rating agency MFR.
