ABOUT US | CEO's Message
Dear valuable Customers and Business Partners,
Please be informed FUTABA Microfinance Plc., received a business license as a microfinance institution from the National Bank of Cambodia to operate business activities on December 16, 2015. With its fulfillment of good business performances achieved, strong management by which the activities of directing, controlling, and organizing the company followed by laws and regulations as well as clear vision with effective long-term Strategic Business Plan, the National Bank of Cambodia has decided and officially issued the Permanent License as Microfinance Institution in lieu of the given Three Year-License for FUTABA Microfinance Plc., since December 30, 2019, and also approved operating a new branch at Krong Doun Kaev Branch in Takeo Province, which received a legal license from the National Bank of Cambodia on February 07, 2023. In 2025, the institution relocated to its new Head Quarter, which issued a new license from the National Bank of Cambodia on December 22, 2025, and also a special year, marking the 10th anniversary of FUTABA Microfinance Plc. starting its business operations.
The economic situation in Cambodia is still not well, and we have noted that the situation of the banks, financial institutions, and leasing institutions sector, as well as FUTABA Microfinance Plc., in 2025, are still facing some challenges, especially in credit quality management, where non-performing loans have been increasing and property values are declining, which is exposed to non-performing loans. FUTABA Microfinance Plc., has been serving customers and working at the Head Quarter and Branches with 05 offices such as Head Quarter (Head Office Branch), Khan Praek Pnov Branch, Khan Pur Senchey Branch, Krong Chbar Mon Branch (Kampong Speu Province), and Krong Doun Kaev Branch (Takeo Province). Actually from 2024 until now, the institution has not opened any new branches.
The achievements of FUTABA Microfinance Plc., as of December 31, 2025 as follows:
. Total staffs 95, 27 females and 68 males
. Total Active Customers have been using loans 1,247
. Total Loan Portfolio is US$14,730,512
. Total Assets is US$15,886,645
. Net Profit In 2025 is US$232,125
. Written-Off Loan is still 0%
. Liquidity Ratio (Prakas) >100%
. Solvency Ratio (Prakas) 45%
. Minimum Capital (Prakas) US$7,000,000
. Net Worth (Prakas) US$7,220,161
. Provision of Credit in National Currency (Prakas) 14.15%. Portfolio at Risk (More than 30 days) is 20.78%
Although FUTABA Microfinance Plc., has not yet rapidly expanded many branches within the whole country, our Vision is to become one amongst the premier leading Financing Institutions in the Kingdom of Cambodia to contribute to the sustainable Society Development and Stable Economic Growth for both current & Next Generation throughout stabilizing and transparency of Financing Markets and Long-Term Strategic Business Plan that will strengthen implementation in existing operating areas and expanding operational areas in other provinces in future, flexible to the economic situation and management system, which is our sincere wishing as well as our goal.
In recent years, to meet customer needs, we have continued to focus on strengthening our internal control system, developing and updating policies and procedures, managing and resolving non-performing loans, strengthening staff capacities (through internal and external training), managing and controlling expenses more effectively, streamlining some of the work and reports that can be imported by the system, and restructuring the departmental level to ensure strong and effective execution and monitoring by compliance with the laws and regulations required by the National Bank of Cambodia and relevant ministries.
FUTABA Microfinance Plc., is going to develop various kinds of services for solving financial requirement for our existing and future customers. To satisfy our customers' need, FUTABA Microfinance Plc., has developed various kinds of Financial Product such as Business Loan, Agricultural Loan, Housing Loan, Consumption Loan, Staff loan, Education Loan, and Employee Loan. And in 2025, a new product was created as Vehicle and Equipment Loan for the specific needs of customers. The Staff Loan and Education Loan are offered with a very low Interest Rate with the best services, for contributing in social enhancement, staff living conditions, and human resources development.
The banking and finance sector remains challenging, and also affects to FUTABA Microfinance Plc., with lower achievement than planned on profits and the situation of non-performing loans continuing to increase. The banking and microfinance system of Cambodia, with its ability to manage and continue to support the public, which brought Cambodia’s domestic economic activities to return back to be normal, with jobs, businesses and property prices likely to recover in the near future. Last but not least, we do believe that the National Bank of Cambodia will continue to be strong and contribute to our institution will continue to operate effectively and will be the PATHWAY for Cambodian Next Generation, which should be materialized based on our Fair and Transparency of Financial Services, funded by a single Shareholder from Japan, which we can control and manage skillfully and make decisions quickly to meet customer needs.
To make "Dreams Come True", for both customers and FUTABA Microfinance Plc., we are pleased and welcome to provide our warmed and confident financial services to our esteemed customer with a wide range of loan services everywhere and all the times.
Finally, in name of CEO and Management of FUTABA Microfinance Plc., I would like to thank to our Customers, Shareholder, Board of Directors, Deputy CEO, managements and all staffs for their supporting and effort making in role and responsibility to implementing the FUTABA's strategies, as well as the National Bank of Cambodia and relevant ministries for always provided a good recommendation, collaboration and supporting us so far. I would like to wish all of Your Excellencies, Ladies and Gentlemen, and all of you, success in your work, good health, and the four blessings of the Buddha: age, caste, happiness, and prosperity. May the New Year's angle to take care of you.
Dreams Come True!