Cambodia Investment Review
Manulife Cambodia, the Kingdom’s first international life insurance company and a trusted provider protecting more than 440,000 Cambodians, and FTB, the first local commercial bank in Cambodia, today announced an exclusive bancassurance partnership. Building on a successful partnership that began in 2016, the two institutions have worked together to make financial protection more accessible to Cambodians through FTB’s banking channels and nationwide branch network. The partnership further integrates FTB’s banking solutions with Manulife Cambodia’s life insurance protection and AI-enabled customer insights to help Cambodian families and businesses safeguard their long-term financial security and pursue their goals with greater confidence.
The partnership is designed to help Cambodians pursue important financial goals without leaving their families exposed to unexpected financial hardship. For many Cambodians, taking a loan from FTB is not just a financial transaction. It is the decision to buy a first home, expand a family business, open a new shop, invest in farming equipment, or create better opportunities for their children. For deposit customers, it helps protect the purpose behind their savings, whether that is education, business growth, retirement, or support for the next generation. Yet unexpected life events can disrupt these plans and create significant financial strain. Financial protection from Manulife helps ensure that families are not left carrying the financial burden if a primary income earner passes away or suffers a critical illness.
For entrepreneurs and small business owners, access to Manulife’s protection solutions through FTB’s banking channels can help safeguard years of hard work and prevent outstanding debt from becoming a burden on their families. The partnership gives Cambodian businesses greater financial protection as they invest, expand, and plan for the future.
The partnership also brings Manulife’s global AI leadership to FTB customers, enabling more personalized and relevant financial guidance while strengthening the capabilities of the financial advisors. Recognized as the Best Overall AI Adoption: Life/Health at the 2026 Asia Consumer Insurance Awards and ranked the #1 life insurer for AI maturity in the 2026 Evident AI Index for Insurance for the second consecutive year, Manulife is combining AI innovation with human expertise to equip FTB and Manulife team with deeper customer insights, practical knowledge and tools that support more informed conversations. This will help customers better understand their financial commitments, protect their families and plan for the future with greater confidence and peace of mind.
“This partnership will make protection more accessible to FTB customers at key moments in their lives, whether they are buying a home, supporting their families, or investing in business. By combining Manulife’s life insurance expertise, AI-enabled insights, and professional advice with FTB’s nationwide banking network, we can help more Cambodians understand their financial commitments, prepare for the unexpected, and pursue their goals with greater confidence. I am grateful to FTB’s leadership and teams for their trust and collaboration as we work together to strengthen financial resilience across Cambodia,” said Rotha Chan, CEO & General Manager of Manulife Cambodia.
“This exclusive partnership will create new opportunities for the development of innovative products, services, and solutions that will bring greater value to our customers and stakeholders. It reflects our shared commitment to providing customers with comprehensive financial solutions that not only help them achieve their financial aspirations but also protect what they value most,” said Dith Sochal, Chief Executive Officer of FTB.
“Through this collaboration, both parties will be able to maximize the strengths and resources, create added value, and drive sustainable growth. As the financial landscape in Cambodia continues to evolve, customers increasingly seek trusted partners who can offer integrated solutions for banking, wealth creation, and financial protection,” he added.
Rotha added, “FTB’s strong market position, nationwide reach, and continued growth make it an important partner for Manulife in our efforts to extend financial protection to more Cambodians. This progress is reflected in the opening of the new FTB Tower, which has already become one of the landmarks on Phnom Penh’s skyline and symbolizes the bank’s ambition, progress, and long-term commitment to Cambodia. We are proud to deepen our partnership at this important stage of FTB’s growth journey.”
