Sithisak Law Office has built a strong reputation as one of Cambodia’s most experienced legal advisors in banking, finance, and capital markets, providing practical, reliable, and technically sound support to financial institutions, investors, securities firms, lenders, and issuers. Our track record spans complex lending structures, securities offerings, financial documentation, regulatory approvals, and large-scale secured transactions across the country.

a. Banking & Lending Transactions

A substantial part of our work involves preparing and reviewing loan and facility agreements, as well as security and collateral documentation, for commercial banks, specialized banks, MFIs, and leasing companies.
Our team has structured complete documentation suites covering:

• New loans and additional facilities
• Loan restructuring and refinancing
• Secured lending arrangements
• Financial lease documentation
• Collateral and encumbrance registrations

These documents ensure enforceability, strong creditor protections, and full alignment with Cambodia’s civil, commercial, and banking laws.

b. Secured Transactions & Encumbrance Registration

Over the past several years, we have been involved in more than USD 600 million in loan and encumbrance registrations, including:

• Hypothecs/secured charges over immovable property
• Pledges of movable assets and shares
• Corporate guarantees and personal guarantees
• Complex multi-layered security packages

This work has positioned the firm as a trusted legal partner for financial institutions needing precise and enforceable secured transaction frameworks.

c. Private Lending & Project Finance

Sithisak has advised lenders and investors on over USD 500 million in private loans and project financing transactions. Our support covers:

• Deal structuring and contractual framework
• Legal due diligence on borrowers and project assets
• Security perfection and priority arrangements
• Regulatory and compliance guidance

These projects include financing for infrastructure, industrial developments, renewable energy, microfinance, and manufacturing.

d. Regulatory Licensing & NBC Approvals

Our regulatory practice extends to guiding clients through National Bank of Cambodia (NBC) processes, including:

• Shareholder changes and fit-and-proper assessments
• Capital increases and corporate governance compliance
• Licensing for specialized banks, rural credit institutions, and MFIs
• Payment Service Provider (PSP) licensing
• Branch registration and director appointment approvals

Our familiarity with NBC procedures allows us to provide clients with clear, practical guidance through complex regulatory requirements.

e. Capital Markets & Securities Transactions

Sithisak also brings extensive experience in Cambodia’s capital market, including the execution of landmark public and private offerings. Our work includes:

• Acting as legal counsel and Security Agent in over USD 150 million of ADB-backed and private bond issuances
• Supporting issuers and underwriters in subordinated bond offerings
• Providing legal advisory for Cambodia’s first-ever commercial bank IPO
• Drafting bond terms and conditions, security agreements, trust arrangements, and offering documentation
• Coordinating with the Securities and Exchange Regulator of Cambodia (SERC) and the Cambodia Securities Exchange (CSX) for regulatory compliance

Our involvement in these transactions demonstrates deep understanding of Cambodia’s securities laws and the regulatory environment that governs market offerings.

Taken together, these engagements offer a comprehensive outlook on Sithisak Law Office’s capabilities in banking, finance, and capital markets.
Through practical legal insight, strong regulatory understanding, and consistent execution, we continue to support financial sector development, promote investor confidence, and contribute to the stability and growth of Cambodia’s financial system.