Phnom Penh, Cambodia – First Finance is honored to be recognized in the 2025 Sustainability and Impact Report published by the Private Infrastructure Development Group (PIDG) and GuarantCo, highlighting our successful collaboration in expanding sustainable finance and affordable housing opportunities in Cambodia.

The report showcases First Finance's role in pioneering innovative financing solutions that mobilize long-term private capital while creating measurable social and environmental impact for underserved communities.

A key milestone featured in the report is First Finance's second financing transaction with GuarantCo, comprising a USD 16 million Payment Default Guarantee supporting a USD 5 million senior loan and an USD 11 million local currency bond issuance. The transaction demonstrates how strategic credit enhancement can unlock institutional investment, deepen Cambodia's domestic capital market, and increase access to affordable housing finance.

The continued support from PIDG and GuarantCo reflects the confidence international development finance institutions place in First Finance's strong governance, prudent risk management, financial performance, and commitment to sustainable development.

Advancing Sustainable Finance Through Innovation

As Cambodia's leading specialist in affordable housing finance, First Finance continues to develop financing structures that balance commercial sustainability with measurable development outcomes. By partnering with international guarantors, we are reducing investment risk, attracting long-term capital, and creating new opportunities to finance quality housing for low- and middle-income families.

Integrating Sustainability into Every Loan

Responsible finance is embedded throughout First Finance's operations. Our Environmental and Social Management System (ESMS) integrates Environmental, Social, and Health & Safety (HSES) considerations into every stage of the lending process, ensuring responsible investment, effective climate risk management, and alignment with international environmental and social standards.

This framework enables us to support housing solutions that not only improve living conditions but also strengthen resilience against climate-related risks.

Delivering Measurable Development Impact

First Finance remains committed to measuring the real-world outcomes of our financing through independent impact assessments. Findings from the 60 Decibels customer survey demonstrate the positive difference our products make in the lives of Cambodian families.

Our independently verified impact shows:

• 90% of affordable housing loans benefit women borrowers, promoting financial inclusion and contributing to Sustainable Development Goal (SDG) 5: Gender Equality.
• 75% of financed homes incorporate climate-resilient features, supporting SDG 11: Sustainable Cities and Communities.
• Thousands of families have improved access to safe, durable, and affordable homes, strengthening household wellbeing, economic resilience, and long-term financial security.

A Trusted Partner for Sustainable Growth

Being featured in the 2025 Sustainability and Impact Report reinforces First Finance's position as a trusted partner for international investors seeking both financial discipline and measurable development impact.

We extend our sincere appreciation to PIDG and GuarantCo for their continued partnership and shared commitment to advancing sustainable finance in Cambodia.

Together, we are demonstrating that innovative financial solutions can unlock investment, strengthen capital markets, and expand access to affordable housing—helping build more resilient communities and supporting Cambodia's inclusive economic development.