Capital Structure


KREDIT was originally formed under the agreement of World Relief, an International NGO, with the Ministry of Foreign Affairs. The organization became a Private Limited Liability Company in 2003 in response to the requirement of the Banking and Financial Institutions Act (2000) for organizations with a portfolio and clients above the stated threshold to become a licensed MFT in 2004. In 2010, KREDIT received another upgrade of license to Micro Deposit-Taking Institution (MDI) from the NBC.
Currently, KREDIT is 100% owned by Phillip MFIs Pte Ltd which is a member of the PhillipCapital Group based in Singapore, is a holding company for the Group’s long-term investments in Cambodia. 

Since 1975, the PhillipCapital network has grown into an integrated Asian financial house with a global presence that offers a full range of quality and innovative services to retail and high net worth individuals, family offices, corporate and institutional customers.
Its comprehensive suite of financial products and services includes broking in securities, futures, foreign exchange, bonds, precious metals and commodities, unit trusts, contracts for difference, exchange-traded funds; fund management, managed accounts, insurance planning, general and life insurance, wealth management, regular savings plans, investment research, equity financing and property consultancy. Institutions can also benefit from its corporate finance and advisory services as well as information technology solutions.
In Cambodia, in addition to wholly – owning KREDIT MFI PLC, it also owns Phillip Bank Cambodia, Phillip General Insurance PLC, and Phillip Life Assurance Cambodia PLC.
With more than 5,000 employees and over 1 million clients worldwide, the assets under custody/management totals to more than USD28 billion with shareholders' funds in excess of USD1 billion. PhillipCapital (with headquarters in Singapore) operates in the financial hubs of 16 countries, including offices in Malaysia, Cambodia, Indonesia, Thailand, Hong Kong, China, Japan, India, Sri Lanka, Australia, UAE, UK, France, Turkey, and the USA.