OUR SECTORS

Financial Services.

As a shareholder in the Foreign Trade Bank of Cambodia (FTB) — AZ Group is partnered with one of the country's first and longest-standing commercial banks. Through that partnership, the group connects its real-estate, construction, equipment and agricultural programmes to personal and corporate banking, trade finance, treasury and FX.

All divisions

Corporate

Personal

Trade & Treasury

Project Finance

Sustainability & Decarbonisation

Real Estate & Land Development

Construction & Building Solutions

Real Estate & Land Development

Construction & Building Solutions

Real Estate & Land Development

Construction & Building Solutions

Aviation

Tourism & Eco-Tourism

Heavy Equipment Distribution

Aviation

Tourism & Eco-Tourism

Sports & Entertainment

Sustainability & Decarbonisation

Sports & Entertainment

Sustainability & Decarbonisation

Heavy Equipment Distribution

What FTB offers

Four divisions. One of Cambodia's first commercial banks.

flagship - Corporate

Corporate Banking

The bank of record for Cambodia's largest projects and most established businesses.

Corporate lending, syndicated facilities, cash management, payroll and treasury services for Cambodia's mid-market and large-cap businesses, ministries, and state-owned enterprises. Forty-five years of underwriting experience and one of the country's longest-running deposit franchises — backing everything from agribusiness exporters to the next National Road.

Land area

Mid-market to large-cap

Setting

Lending · cash mgmt · payroll

Programme

AZ Group programmes

Personal

Personal Banking

Everyday banking, from first salary to first home.

Current and savings accounts, debit and credit cards, personal loans and home finance, paired with FTB's digital banking platform. As one of Cambodia's longest-established banks, FTB offers a deposit franchise that has served customers reliably for nearly four decades.

Savings

Cards

Mortgages

Trade & Treasury

Trade Finance & Treasury

Letters of credit, guarantees and FX for Cambodia's import-export economy.

Documentary trade — letters of credit, bills, guarantees — paired with an FX desk and treasury services. Fittingly for the Foreign Trade Bank of Cambodia, trade finance sits at the heart of FTB's heritage, connecting Cambodian exporters and importers to regional and global flows.

Trade finance

Treasury

Project Finance

Project & Equipment Finance

Underwriting the group's own programmes — and the next generation of national projects.

Through its partnership with FTB and the bank's project-finance capabilities, AZ Group can connect large-scale developments — infrastructure, energy, real estate and agriculture — to bank-grade financing, building on the group's own track record from the National Road 4 public-private partnership.

PPP

Equipment

Agri lending

1979

FTB originated

2001

Independent bank

217

Hectares · Borey Angkor

45+

Years of operation

4

Service divisions

The platform

FTB. One of Cambodia's first commercial banks.

Phnom Penh HQ

Head office · 1979

Branch network

PP + provincial

DIG

FTB Digital

Mobile · ATM · online

TRD

Trade desk

LC · FX · treasury

Created in 1979 and operating as an independent commercial bank since 2001, the Foreign Trade Bank of Cambodia is one of the country's first and longest-standing banks, offering full-service commercial banking with national reach and a deposit franchise built over nearly four decades. AZ Group is a shareholder in FTB and holds a seat on its board, partnering the bank with the group's real-estate, construction, equipment and agricultural activities.

1979

Bank originated

2001

Independent

4

Divisions

AZ

Group captive

Who we bank

4 customer profiles

Four kinds of customer. One 45-year balance sheet.

Households & families

Salary accounts, cards, home loans and digital banking from one of Cambodia's longest-established banks.

SMEs & mid-market

Working capital, term loans, trade finance and cash management for Cambodia's mid-market, backed by FTB's national reach and decades-long underwriting franchise.

Corporates & institutions

Working capital, term loans, trade finance and cash management for Cambodia's mid-market, backed by FTB's national reach and decades-long underwriting franchise.

Foreign investors & PPP

A Cambodian banking counterpart for foreign investors and PPP delivery partners, with AZ Group's National Road 4 experience as a bridge between project sponsors and bank financing.

Financial Services.

Four divisions. One of Cambodia's first commercial banks.

Corporate Banking

Personal Banking

Trade Finance & Treasury

Project & Equipment Finance

1979

2001

217

45+

4

FTB. One of Cambodia's first commercial banks.

1979

2001

4

AZ

Four kinds of customer. One 45-year balance sheet.

Households & families

SMEs & mid-market

Corporates & institutions

Foreign investors & PPP

Build something great together