PHNOM PENH, CAMBODIA — Prudential Cambodia has officially released its 2025 Annual Report,demonstrating a resilient performance, disciplined expense management, and a deep commitmentto customer protection despite a challenging macroeconomic environment.
Navigating an industry-wide slowdown, the Company pivotally shifted its focus from volume-drivengrowth toward long-term, sustainable, and quality-focused business practices. This strategicdiscipline ensured that Prudential Cambodia maintained its market leadership position whileemphasizing customer-centric offerings and prudent risk management.
Key Financial & Operational Highlights:
Sustained Profitability: Net profit after tax reached US$0.98 million for the full year. This marksthe Company’s positive bottom-line achievement for the sixth consecutive year, underlining itsrobust financial foundations.
Total Premium Income: Net of reinsurance, total premium income stood at US$72.3 million. Thisreflects a deliberate alignment with sustainable customer outcomes in a transition-heavy year.
Leaner Operations: Operating and administrative expenses fell sharply by approximately 18%,decreasing from US$40.4 million in 2024 to US$33.1 million in 2025. Proactive cost-control andoptimized discretionary spending improved the Company's expense ratio to 45.8%.
Strong Solvency: Prudential Cambodia maintained a robust capital position throughout the year,with a solvency ratio well above regulatory requirements.
Delivering on Our Claims Promise
Reinforcing its core purpose of protecting Cambodian families, the Company reached a majormilestone in customer trust. As of April 2026, Prudential Cambodia has provided essential insuranceprotection to nearly half a million customers, approving approximately USD 33.4 million in totalcumulative claims since 2013.
The Company remains dedicated to offering a simple, transparent, and fair claims experience,ensuring that peace of mind is delivered to families when they need it most.
Looking Ahead to 2026
Prudential Cambodia enters 2026 in a highly stable financial position. Moving forward, the strategyremains firmly focused on balancing growth with disciplined execution, maintaining rigorousexpense controls, and progressively enhancing customer profitability in a sustainable manner.