Savings Account
With PPCB's Savings Account, you can earn competitive interests on your savings. It is the gateway to PPCB's services designed to manage your transactions more easily and more conveniently.
Benefits:
Free ATM Card
Free Passbook
No account maintenance fee
No minimum balance fee
Competitive market interest rate calculated on a daily basis
Free monthly statement
Conveniences:
Quick and safe
Easy access to funds via ATMs and over the counter
Convenient for funds transfer and deposit
Direct credit of your salary and money transferred to your account
Current Account
PPCB's Current Account is our most popular transactional account that keeps your assets liquid.
Our Current account provides you with easy access to your cash. Moreover, PPCB will provide a highly private and confidential service to you to protect your transactions.
Fixed Deposit
A Fixed Deposit is a safe and highly profitable tool for long-term wealth management. You can place your money in the custody of PPCB's best practice banking skills. PPCB's Term Deposit provides you with a competitive and attractive fixed rate of interest for you to enjoy profitable returns.
Benefits:
Interest payable on maturity
Preferential interest rate applicable based upon amout deposited
Interest being considered for early closure
Free monthly statement
Conveniences:
You choose the term that suits your needs, from maturity terms of 1/2/3/6/9/12 months
Your deposit and withdrawal will be handled by our dedicated staff
The lending philosophy of Phnom Penh Commercial Bank is to make good loans to good borrowers, and to build relationships with borrowers based on earned trust and reliable performance of obligations. We believe that by practicing this philosophy we will be making the maximum contribution to the development and prosperity of our country, our society, our customers, our employees, and our shareholders.
PPCB offers various types of loans and advances. Customers can use them for working capital, asset acquisition, cash flow requirements and personal consumption purposes.
Green Loans: (Small Loan Product)
The Green Loan is designed to provide a source of financial support to borrowers for expansion of their businesses. Loan amounts start from $5,000 to $30,000, and a soft title deed can be acceptable at the Credit committee's sole discretion.
Security Collateral Requirement:
The collateral is usually personal or corporate real property-land and buildings, registered on Hard Title and/or Soft Title that is unencumbered.
Overdraft facilities (OD): Overdraft facilities are credits up to one year allowing unscheduled borrowing drawdown and repayment within the overall approved credit line.
Short term loans (STL): Short term loans are for periods of up to 12 months. The loans are for working capital purposes. Repayment the of full amount is required at maturity. Generally, a "clean up" period of two weeks is required before STL can be re-borrowed.
Medium term loans (MTL): Medium term loans are made for machinery and equipment investment and other medium term purposes, for periods of up to 3 years. Loans are extended based upon careful analysis of the borrower's cash flows and operation cycle risks, as well as "two ways out" analysis. Repayments of MTL are normally on an amortizing basis.
Project/long term investment loans (LTL): Long term loans are extended up to 5 years for projects and other long term investments. These loans are extended based upon careful analysis of project viability and risks, but never look only to the project itself for "two ways out" sources of repayment. LTL should always be amortized, but may include a grace period.
Security Collateral Requirement:
The collateral is usually personal or corporate real property-land and buildings, covered by Hard Title, that is unencumbered.
Housing loans are extended to individuals for the purpose of housing for their personal use as residences. (Loans to investors in residential property are considered investment loans.) The maximum loan term is up to 10 years.
Trade Finance is especially designed to support the legal import and export business of our clients. It provides the proper cashflow and makes payments convenient.
Trade Loan Products:
Import Loan
Loan against trust receipt
Import loan
Loan against import
Export Loan
Pre-Shipment Loans
Credit Bills Negotiation
Outward Bills
Bank Guarantee
Bid Guarantee
Performance Guarantee
Payment Guarantee
Advance Payment Guarantee
Retention Money Guarantee
Term Condition:
Term within 12 months
Securities:
Factories, shop-houses which are completed
Residential properties which are completed
Industrial and Agricultural land
Fixed deposits/cash deposits / earmarking of account
Specific debenture on plant & machinery financed by the Bank
PPCB money transfer services allow you to pay or receive funds from/to your customers locally or internationally to avoid carrying large amounts of cash.
With PPCB payroll service, customers are free from worries about taking time and risks while counting money for their employees on payroll day. We will help you secure your money and save you time. Simply open a payroll account with us!
Easy Access
As long as you are a PPCB card holder (ATM Card) or account holder with a Current or Savings account you have access to our ATM network 24 hours a day, and you can take advantage of all these services:
PPCB ATM
Cash withdrawals
Balance enquiries
Third party transfer
Ministatement
Benefit
All accounts with PPCB offer a free ATM debit card upon account opening
Free transactions
Free balance enquiries
Free membership
Foreign exchange services enable you to buy or sell a foreign currency against USD or another foreign currency, we provide foreign currency notes exchange at competitive rate, presently, we offer foreign exchange in the following currencies:
KHR, USD and EUR.
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