We are dedicated to unlocking pathways to wealth creation for you. Whether you are an individual, company, or NGO considering investment and asset holding in Cambodia, look no further. Opting for a commercial trust ensures safeguarding of privacy, risk mitigation from unforeseen circumstances, strategic tax planning, efficient ownership structuring, and seamless succession organization. A commercial trust empowers you to diversify your investments and derive lasting benefits across generations. Nurture your wealth creation and safeguard it for the future.
CCU Trust (Cambodia), Co Ltd. was incorporated in 2024, following the enactment of the Law of Trust in 2019, which allows foreigners to register their fixed assets with trustee companies in Cambodia. Our specialized license includes commercial services, approved by the Trust Regulator.
We are a subsidiary company of CCU Commercial Bank, a bank in Cambodia and part of the strategic business partners, including Cambodia Airways, Richeng Consulting and Investment and CB Insurance.
At CCU Trust (Cambodia), Co Ltd., we believe in creating a comprehensive financial and non-financial ecosystem that provides suitable services to investors and customers across Cambodia providing bespoke commercial trust service.
CCU Trust Co., Ltd is recognized by the Ministry of Commerce, Cambodia on 08 January 2024. The company is officially registered under the number 1000348183.
Additionally, CCU Trust Co., Ltd has earned a license from the Trust Regulator of Cambodia on 07 May 2024. This license, numbered 006 TR/LC/TC. CCU Trust Co., Ltd is registered as a taxpayer under the Tax Identification Number (TIN) L001-902400099.
Trust services cater to a diverse array of clients including individual investors, companies, investment funds, and NGOs looking to manage assets both within Cambodia and internationally. While real estate, especially land, remains a key asset class for most commercial trusts, these services extend far beyond local borders, offering a wide spectrum of asset management options, including financial assets.
Commercial trusts provide flexibility in holding various types of assets, facilitating effective succession planning and optimizing asset management strategies for individuals, companies, and organizations alike. In essence, regardless of your profile, we specialize in tailoring our services to maximize the potential of your asset holdings.
Over the past two decades, Cambodia has experienced robust economic growth facilitated by extensive global market access and strategic economic policies, particularly in finance and real estate. This trajectory of growth signals ongoing expansion and actively encourages foreign investment. Consequently, trusts have emerged as a significant tool in Cambodia's financial landscape, underscored by the recent enactment of the Trust Law.
The Trust Law, promulgated on January 2, 2019, through Royal Decree Nº NS/RKM/ 0119/002, aims to regulate the establishment, registration, management, and oversight of four distinct types of trusts: Commercial Trusts, Public Trusts, Social Trusts, and Personal Trusts. Each type of trust is governed by detailed regulations that delineate the rights, duties, and responsibilities of the grantor (trustor), trustee, and beneficiaries, providing clarity on their respective roles and objectives.
Commercial Trusts are established to generate profits for the benefit of the contributor or designated individuals, encompassing educational funds, pension funds, property savings services, or employee share plans. Public Trusts, on the other hand, focus on benefiting the Cambodian people, particularly in sectors like banking, microfinance, and public welfare, overseen by appointed trustees under specified conditions.
Social Trusts serve to support cultural, educational, humanitarian, religious, or scientific initiatives by transferring property from a trustor to a trustee for societal benefit.
Personal Trusts, meanwhile, are established for the benefit of the trustor or specified individuals, where the trustor transfers property or funds to a trustee for designated purposes.
Regulation of these trusts falls under the purview of the Ministry of Economy and Finance (MEF), which acts as the regulatory authority responsible for overseeing trust operations. According to the Trust Law, trusts must be registered with the MEF within three months of their establishment, subject to approval from other relevant regulators. Detailed procedures for registration are outlined in subordinate decrees, ensuring adherence to regulatory standards and fostering transparency in trust management in Cambodia.
Our founders possess extensive experience in global business, regulatory processes, research, and entrepreneurship. With rich backgrounds from leading technology companies, they provide critical insights into our AI advancements. Their professional history includes key positions at major organizations and a series of successful entrepreneurial initiatives.
Michal
Gorczewski
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Michal Gorczewski
Michal, originally from Poland and born in 1985, obtained his degree from Edinburgh Napier University in 2010 and subsequently earned an Executive Leadership diploma from Said Business School, Oxford University, among other professional certifications. He began his professional career in the United Kingdom with the investment bank JP Morgan Chase.
Upon returning to Poland, Michal worked in the investment management industry as a fund manager, investment manager, and investment director, managing funds valued at over $400 million. He also gained experience as Chief Financial Officer in med-tech and fintech companies.
In early 2023, Michal relocated to Cambodia and began working as Head of Investments for an international NGO focused on climate tech companies in the Southeast Asia region. He is currently appointed as the Chief Executive Officer for CCU Trust.
Phearin
Eam
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Phearin Eam
Phearin possesses extensive experience in the banking industry across diverse customer segments, including trade finance, corporate, SME, and retail banking. His leadership spans various roles such as sales, branch management, risk management, product development, implementation processes, strategy formulation, business operations, and stakeholder management.
With almost two decades of experience, Phearin has worked with four different banks—both local and international-and a fintech company. Currently serving as Head of Business Development at CCU Trust, he previously held roles such as Chief of Business at Lyhour PayPro, Head of Trade Sales and Head of Trade Services at Canadia Bank, Branch Manager at CIMB Cambodia and ANZ Royal, and Trade and Payment Manager at Maybank Cambodia.
He holds an MBA in Finance from the National University of Management and a BBA in Finance and Banking from the same institution.
Ravy
Hak
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Ravy Hak
Ravy holds a Bachelor's Degree in International Business conducted in English from the Institute of Foreign Languages, complemented by an Associate Degree in Nursing from the University of Health Sciences. Currently, she is advancing her professional credentials through enrollment in the ACCA program at CamEd Business School.
With a diverse background spanning real estate, property development, insurance, and investment sectors, Ravy has accumulated significant management experience. In August 2024, she assumed the role of Head of the Operations Department at CCU Trust.
At our company, you have the chance to shape the career you want while making a positive impact on others.
You'll collaborate with talented colleagues who support you and recognize your strengths, empowering you to
perform at your best.
We're committed to offering both external candidates and current employees seeking new roles challenging and
rewarding career opportunities.
