Cambodia and the world have been hit hard by Covid-19 with frequent lock down and restriction in movement. The authority extended its restrictions and rolled out the vaccination campaigns until the fourth quarter in 2021.

Over the course of the Covid-19 pandemic that has prolonged for over two years, Samaky has kept providing loans and continued restructuring the loans for affected borrowers, following the guidelines from the National Bank of Cambodia and initiative of the government to provide affordable loans to Small and Medium-Sized Enterprises.

Samaky prioritizes the growth of the local economy through supporting microloans and offers a range of loan services including business loans, home loans, agricultural loans and unsecured loans.

The gradual economic recovery in 2022 has been seen globally, included Cambodia as we can see through the continued demand in major industries such as export-oriented manufacturing sector and the increase of the services sector, driven by rising consumer demand and the return of tourists.

The gradual economic recovery in 2022- 2023 would provide opportunities and growth for Samaky and we look forward to a new chapter in 2023.

On behalf of Samaky management, I would like to thank customers for the support, the management team and staff for their effort and commitment, the board of directors for the support and advice, and especially the National Bank of Cambodia.