The winning bank has reinforced its leadership through strong liquidity management, digital banking expansion and financial inclusion initiatives. Its mobile banking platform saw a strong increase in active users. The bank’s financial literacy programme has benefited consumers in rural areas, strengthening its commitment to inclusion. Despite Cambodia’s slowing credit growth and rising non-performing loans, the bank has maintained a stable loan-to-deposit ratio of 75–80% and preserved its capital strength. For its disciplined risk strategy, focus on financial inclusion, and sustained digital banking growth, Canadia Bank is awarded Best Retail Bank in Cambodia.