In Phnom Penh, Cambodia Post Bank has officially taken over all loan assets previously held by Prince Bank following the troubled lender’s ongoing liquidation process. The transfer, approved by the National Bank of Cambodia, marks a major step in stabilizing the bank’s outstanding financial obligations while ensuring borrowers can continue repaying their loans under a new institution. Customers who previously borrowed from Prince Bank are now required to continue their repayments through Cambodia Post Bank beginning from May 5.

The move has raised questions among borrowers and financial observers about why Cambodia Post Bank was selected instead of another commercial bank. Industry observers believe the decision reflects CPBank’s strong operational growth, expanding customer base, and its ability to manage a large retail loan portfolio efficiently. More details about the bank’s services and operations can be found through the official Cambodia Post Bank.

Cambodia Post Bank Takes Over Prince Bank Loans

In a public notice issued on May 13, Cambodia Post Bank confirmed that “all rights and interests related to the loan portfolio of Prince Bank” had been officially transferred to CPBank’s management following approval from the National Bank of Cambodia.

The bank also instructed all Prince Bank borrowers to continue making their loan repayments under the new lender without interruption.

“Accordingly, all loan customers of Prince Bank are requested to take note of this transition and continue fulfilling their loan repayment obligations to Cambodia Post Bank from the date of this notice onwards,” CPBank said on its Facebook page.

The transfer is part of the broader liquidation proceedings involving Prince Bank, which has been under official administration since earlier this year.

Why Cambodia Post Bank Was Chosen?

Although authorities have not publicly explained every factor behind the selection, Cambodia Post Bank appears to have been chosen because of its growing financial strength and nationwide banking infrastructure. Founded in 2013, CPBank has expanded rapidly over the past decade and established itself as one of Cambodia’s fast growing commercial banks.

The bank currently focuses heavily on digital banking, consumer lending, and mass market financial services, making it well positioned to absorb a large number of retail borrowers from Prince Bank.

Financial experts also point to CPBank’s sizable asset base, which reportedly exceeds $1.7 billion, along with its broad branch network and large customer portfolio. These strengths likely made the institution a practical option for handling the transition smoothly while minimizing disruption for borrowers.

Another possible reason is public confidence and operational stability. During banking liquidations, regulators often seek institutions capable of managing customer accounts efficiently and maintaining repayment continuity without creating panic in the financial sector.

Prince Bank’s Liquidation Process

Prince Bank entered liquidation after serious legal issues surrounding its founder, Chen Zhi. Cambodian authorities previously ordered the liquidation process in January 2026 following investigations linked to alleged large scale fraud and cybercrime activities.

The National Bank of Cambodia appointed Morisonkak MKA Audit Accounting Co., Ltd. as the official liquidator responsible for overseeing the bank’s assets and liabilities during the process.

The liquidation followed the arrest and extradition of Chen Zhi, whose case drew major public attention and increased scrutiny on the operations of the bank.

Authorities have since focused on ensuring that customers, borrowers, and financial obligations continue to be managed properly while protecting broader confidence in Cambodia’s banking system.

Borrowers Asked to Continue Payments Normally

For customers who previously held loans with Prince Bank, the transition mainly affects where repayments are sent rather than changing the terms of their loans. CPBank stated that borrowers must continue meeting their repayment schedules as normal under the new arrangement.

The transition is intended to prevent disruption for customers while allowing regulators to manage the liquidation process in a more orderly and controlled manner.

Banking analysts say such transfers are common during liquidation proceedings because they help maintain financial stability and protect both lenders and borrowers from unnecessary complications.

Conclusion

The transfer of Prince Bank’s loan portfolio to Cambodia Post Bank highlights the role of financial stability and institutional strength during periods of banking uncertainty. While questions remain about the full scope of Prince Bank’s liquidation, authorities appear focused on ensuring that borrowers continue receiving uninterrupted banking services through a more stable institution. For many customers, the move to CPBank provides a clearer path forward as Cambodia’s banking sector works to maintain confidence and operational continuity.

Cambodia’s property market is entering a critical transition period as the long delayed Capital Gains Tax edges closer to implementation in 2027. For many investors and property owners in cities like Phnom Penh, the question is no longer whether the tax will arrive, but whether now is the right time to sell before the new rules take effect. The latest discussions surrounding the so called “2026 window” have sparked fresh debate among condo owners, land investors, and developers who are weighing the benefits of securing profits early against holding assets for future growth. According to Realestate.com.kh, the coming months could represent one of the most strategic resale periods Cambodia’s modern real estate sector has seen.

What Cambodia’s Capital Gains Tax Means?

Capital Gains Tax, commonly referred to as CGT, is a tax applied to profits earned from selling immovable property. In simple terms, if a property owner purchases a condo, land, or building at one price and later sells it at a higher value, the profit portion becomes taxable.

For example, an investor who buys a condominium for $100,000 and later sells it for $130,000 would generate a gain of $30,000. Under Cambodia’s planned CGT framework, that profit could be subject to a 20 percent tax depending on the official calculation method applied by tax authorities. This means sellers may eventually see a noticeable reduction in their final return once the tax officially comes into force.

The tax will apply to both Cambodian residents and foreign property owners holding qualifying assets in the Kingdom. The measure was originally introduced through Prakas 346 issued by the Ministry of Economy and Finance in April 2020, although enforcement has been repeatedly postponed.

Why Cambodia Delayed the Tax Several Times?

The Cambodian government has delayed the implementation of Capital Gains Tax multiple times in recent years, largely to support the property market during periods of economic uncertainty. The aftermath of the COVID 19 pandemic, combined with slower regional investment activity and global financial instability, placed pressure on the country’s real estate sector.

By postponing the tax, authorities allowed developers, investors, and property owners additional breathing room while helping maintain market confidence. The latest guidance now points toward January 1, 2027, as the expected enforcement date, with Cambodia’s General Department of Taxation expected to oversee implementation.

The delay has also helped sustain transaction activity during a period when the market has been gradually recovering. Domestic demand has improved in parts of Phnom Penh, while foreign investment interest has slowly returned to selected districts and property segments. Analysts believe the extended timeline gives investors a final opportunity to adjust strategies before the tax environment changes permanently.

Understanding the “2026 Window”

The phrase “2026 window” has become increasingly popular among Cambodia’s real estate professionals because it refers to the final period before Capital Gains Tax becomes active. During this timeframe, property owners can still complete sales without paying the additional tax on profits.

This creates a potentially valuable timing advantage for investors who have already seen strong appreciation in their properties over the past several years. Sellers who exit before the tax begins may be able to keep larger returns while avoiding future tax obligations tied to capital gains.

As the 2027 deadline approaches, many market observers expect an increase in resale activity. Buyers hoping to secure deals before possible market adjustments and sellers looking to maximise profits may both become more active. Increased transaction momentum could improve liquidity in several areas of Phnom Penh, especially in districts where demand has remained relatively stable.

Should Property Owners Sell Before 2027?

For some investors, selling before Capital Gains Tax arrives may be a smart financial decision. Owners who have already achieved significant appreciation could lock in profits while avoiding additional taxation. This may be especially attractive for higher value properties where tax exposure could become substantial once the law is enforced.

Selling now could also free up capital for reinvestment into newer opportunities. Cambodia’s property market continues to evolve, with infrastructure development, commercial expansion, and urban growth reshaping investment patterns across Phnom Penh and surrounding provinces.

However, selling early may not be the right choice for everyone. Investors focused on long term rental income or those expecting future price growth may still benefit from holding their assets even after CGT takes effect. Ultimately, the best decision depends on individual financial goals, investment timelines, and risk tolerance rather than reacting solely to policy changes.

Phnom Penh’s Market Shows Signs of Stability

Despite concerns surrounding taxation, Cambodia’s property sector has shown signs of stabilisation in recent months. Key districts in Phnom Penh such as BKK1, Tonle Bassac, and BKK3 continue attracting attention from buyers, renters, and developers due to infrastructure upgrades and ongoing urban demand.

Real estate professionals believe this improving environment strengthens the case for owners considering resale opportunities before the new tax measures begin. Some agencies, including Realestate.com.kh, are already promoting resale services aimed at helping property owners navigate the market efficiently during this transition period.

Conclusion

Cambodia’s Capital Gains Tax appears increasingly likely to become reality in 2027 after years of postponements. While uncertainty still exists around implementation details, the period leading up to enforcement has created a rare opportunity for property owners to reassess their investment strategies.

For investors seeking to maximise profits and avoid future tax liabilities, the so called “2026 window” could offer an ideal time to sell. At the same time, long term investors may still find value in holding quality assets as Cambodia’s property sector continues to mature. The key is making a decision based on personal financial objectives rather than market speculation alone.

In Phnom Penh, the National Bank of Cambodia has issued a public warning over the growing trend of altering or misusing images of Cambodian riel banknotes on social media and in graphic design projects. The central bank said the practice is harmful to the country’s national identity and cultural values, urging the public to respect the nation’s currency and preserve its original form. The warning comes as edited images of riel notes continue circulating online for entertainment, promotional content, and creative designs.

According to the National Bank of Cambodia, the riel is more than just a payment tool. Through its symbols, artwork, and historical images, the national currency represents Cambodia’s unity, cultural heritage, and national pride. More information about Cambodia’s banking regulations and financial system can be found through the official National Bank of Cambodia.

NBC Says Altering Riel Damages National Values

The NBC stressed that changing the appearance of riel banknotes, defacing them, or handling them carelessly can negatively affect the dignity of the national currency. Officials expressed concern that some online users may not fully understand the cultural significance attached to Cambodian money.

The central bank stated that “altering images on riel banknotes, defacing them, or improperly storing riel banknotes is an insult to the country and the entire Cambodian nation.”

Authorities are now reminding the public that every Cambodian has a responsibility to protect and respect the national currency because it reflects the country’s identity and sovereignty.

Banknotes Must Be Properly Preserved

Under Article 53 of the Law on the Organisation and Operation of the National Bank of Cambodia, banknotes are considered a form of property, and anyone holding them is expected to take proper care of them for daily transactions.

The NBC explained that damaging or changing the original appearance of a banknote could reduce its value or result in the note being removed from circulation entirely. Excessive wear, markings, or alterations can make banknotes difficult to identify and unsuitable for use within the financial system.

Officials also encouraged businesses and individuals to handle riel banknotes carefully and avoid any activity that could damage or disrespect Cambodia’s currency.

Strong Penalties for Counterfeiting Currency

The NBC also highlighted Cambodia’s strict legal penalties against currency counterfeiting. According to Article 65 of the same law, anyone found producing counterfeit paper money or coins used as legal tender in Cambodia or another country can face extremely severe punishment.

The law states that offenders may receive prison sentences ranging from 20 years to life imprisonment for counterfeiting activities involving legal currency.

Although the recent warning mainly targets the misuse and alteration of banknote images online, the NBC said it remains committed to protecting the integrity and security of Cambodia’s financial system.

Growing Role of the Riel in Cambodia’s Economy

In recent years, Cambodian authorities have worked actively to promote wider use of the riel across the country as part of efforts to strengthen monetary independence and national economic stability. Public awareness campaigns have also encouraged citizens to value and preserve the national currency.

As digital content and social media become increasingly influential, officials believe respecting national symbols such as the riel remains important in maintaining Cambodia’s cultural and economic identity.

Conclusion

The National Bank of Cambodia’s latest warning serves as a reminder that the riel carries deep national and cultural significance beyond its financial value. By discouraging the alteration and misuse of banknote images, authorities hope to promote greater respect for Cambodia’s national currency and preserve its role as a symbol of unity, heritage, and pride for future generations.

Vietnam and Cambodia are stepping up efforts to strengthen border trade and improve regional supply chain connectivity as both countries work toward an ambitious goal of reaching $20 billion in bilateral trade by 2030. The latest push comes ahead of a major trade promotion conference scheduled for May 15 in Dong Thap province, located in Vietnam’s Mekong Delta region. The event reflects growing economic cooperation between the neighboring nations as they respond to shifting global supply chains and expanding regional integration in Southeast Asia.

According to the conference organizers, the event will bring together policymakers, trade officials, and business leaders from both countries to explore new opportunities for investment, logistics, and cross border commerce. Co organized by Vietnam’s Ministry of Industry and Trade and the Dong Thap provincial People’s Committee, the conference aims to create practical solutions that can improve trade efficiency and support sustainable economic growth between Vietnam and Cambodia. More details were reported by Vietnam News Agency (VNA).

Focus on Supply Chain Connectivity

One of the main priorities of the conference is strengthening supply chain integration between Vietnam’s southern provinces and the Cambodian market. As global manufacturing and trade routes continue to evolve, both countries see closer cooperation as a way to reduce logistics costs, improve production networks, and increase competitiveness across the region.

The conference will feature two major thematic discussions focusing on trade and investment facilitation, border gate infrastructure, logistics development, digital payments, and e commerce expansion. Officials and business representatives are also expected to discuss ways to improve production cooperation in industries where both countries already have strong advantages.

Organizers believe the event can help businesses better understand market opportunities while also building stronger trade relationships between companies on both sides of the border.

Business Partnerships Take Center Stage

A key highlight of the conference will be the signing of memoranda of understanding between Vietnamese and Cambodian companies. These agreements are expected to turn trade discussions into concrete business partnerships and open new doors for future investment cooperation.

Business to business networking sessions will also allow companies from sectors such as agro aquaculture forestry, food processing, textiles, footwear, and heavy industry to connect directly with potential partners. The sessions are designed to encourage long term cooperation and help enterprises expand their reach into new markets across Southeast Asia.

In addition, the event will showcase a wide range of products from Vietnam’s southern provinces alongside Cambodian goods. Exhibitions will include processed agricultural products, handicrafts, and industrial items, giving businesses an opportunity to promote their brands and production standards to a wider audience.

Trade Between Vietnam and Cambodia Continues to Grow

Trade relations between Vietnam and Cambodia have grown significantly over the past several years and are now considered one of the key pillars of economic cooperation in the Mekong sub region. The two countries share a 1,137 kilometer border supported by an increasingly modern network of border gates that facilitate trade, transport, and investment activities.

Bilateral trade reached $10.1 billion in 2024 and exceeded $11 billion in 2025, reflecting steady momentum in economic cooperation. Both governments are now targeting $20 billion in two way trade by 2030 through stronger logistics systems, official trade channels, and deeper supply chain integration.

Vietnam currently exports a wide range of products to Cambodia, including textiles and garments, petroleum products, machinery, steel, chemicals, and processed foods. In return, Cambodia supplies Vietnam with agricultural products such as rubber, cashew nuts, and industrial production materials.

Regional Integration Creates New Opportunities

As regional economies become more interconnected, both Vietnam and Cambodia are positioning themselves to benefit from shifting global supply chains. Improved connectivity between the two countries could create faster trade flows, lower transportation costs, and stronger industrial cooperation throughout the Mekong region.

The hybrid format of the conference, which includes both in person and online participation, is also expected to attract wider engagement from businesses and trade agencies. Organizers hope the event will serve as an important platform for dialogue between governments and the private sector while supporting long term economic cooperation between the two neighboring nations.

Conclusion

The upcoming Vietnam Cambodia trade conference highlights the growing importance of regional cooperation at a time when global supply chains are rapidly changing. By focusing on logistics, border trade, investment, and digital commerce, both countries are laying the groundwork for stronger economic ties and more sustainable growth in the years ahead. If successful, these efforts could help Vietnam and Cambodia reach their ambitious bilateral trade target while strengthening their role in Southeast Asia’s evolving economic landscape.