Private company

Hattha Kaksekar

Cambodian microfinance company

Hattha Bank (previously Hattha Kaksekar Limited) (HKL) (translated literally from the Khmer, "A Helping Hand for Farmers") is a Cambodian bank and microfinance institution (MFI) in Cambodia. As of 2014, its loan portfolio was ranked fourth and it had the third largest saving portfolio among Cambodia microfinance institutions. In 2016 it was acquired by Krungrsi, a major bank in Thailand and in 2020 it converted to a full commercial bank.² Wikipedia text CC BY-SA 4.0

Last updated Oct 21, 2026.

Overview

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Hattha Bank (previously Hattha Kaksekar Limited) (HKL) (translated literally from the Khmer, "A Helping Hand for Farmers") is a Cambodian bank and microfinance institution (MFI) in Cambodia.²

The story

HKL is a former food security project launched in the Pursat Province in Cambodia by OCSD/Oxfam–Quebec in 1994. It was registered as an NGO with the Ministry of Interior in 1996. In 2001, Hattha Kaksekar Limited was born after it registered to the Ministry of Commerce with an overall capital of $77,850 and was offered a three-years MIcro-finance Instituation (MFI) license. When it reached sustainability, the National Bank of Cambodia granted a permanent license to HKL in 2007 and a Micro-finance deposit-taking institution license in 2011.

In 2016 Krungrsi is a subsidiary of Bank of Ayudhya, a commercial bank in Thailand, and a member of MUFG Bank of Japan acquired Hattha Kaksekar.

In 2020 Hattha Kaksekar became a registered commercial bank when it obtained a banking license by the National Bank of Cambodia and was renamed as Hattha Bank.

In July 2023, a bank employee was arrested for allegedly stealing more than $600,000 from a customer.

From Wikipedia’s article on Hattha Bank, shared under CC BY-SA 4.0.³

Products and brands

Branch network

In December 2014, HKL office network accounted for 151 offices mainly in rural areas spread among 25 provinces.

Products

Loans - Creditworthiness, loan size and loan currency are the criteria on which interest rates setting is based. Concerning the use of the loan, supporting business activities or personal consumption can both be funded. In 2013, new products were launched: Green loans and Khmer Student loans.

Savings and Deposit - The MFI developed three types of accounts: Voluntary savings: savings accounts and VIP accounts, Recurrent savings: Planned savings accounts, Kid and retirement accounts, and Fixed deposits: a form of capitalization designed for high income. Clients can also use this product for charity purpose.

Money Transfer - National money transfers to family, relatives or business partners transit via HKL branch network.

Read the full text

ATMs - Launched at the end of 2012, ATM network accounted for 38 machines in Cambodia in August 2013. It allows customers to perform cash and non-cash transactions.

MyMobile Banking - Mobile banking services allow customers to perform transactions such as inquiries about an account balance, look-up for an ATM location, mobile top up, bill payments and transfer funds. In addition, HKL has launched SMS notifications.

Payroll Service