According to the bank website, "the proposed investment consists of a syndicated subordinated loan to ACLEDA Bank Plc. (ACLEDA) to support ACLEDA’s growth strategy with a focus on digitalization and finance its lending operations with a focus on small and medium enterprises (SMEs) and women-owned SMEs (the Project). The subordinated loan, structured as Tier 2 qualified capital under the laws and regulations of Cambodia, will include IFC’s subordinated loan of up to US$60 million and mobilization of up to US$30 million."

(i) Increased access to finance: Through this Project, IFC expects to increase access to finance for the underserved SMEs and women-owned SMEs in Cambodia by expanding number and volume of loans provided by ACLEDA to SMEs and women-owned SMEs in next 5 years. In addition, by supporting ACLEDA's growth strategy with focus on SME and women-owned SME segments and digitalization IFC anticipates that this Project contributes to improving quality of financial services by broadening access to digital financial products and improving banking service delivery via digital channels.
(ii) Improved inclusiveness: This Project reflects IFC's strategic engagement in Cambodia's banking sector by supporting ACLEDA's sustainable growth with focus on the base-of-pyramid and digitalization. By building market capacity that opens new market opportunities for digital banking products and services to help improve Cambodia's financial sector's competitiveness and promote a cashless economy.