Phnom Penh has the highest access to formal savings in Cambodia, where as high as 69 percent of its population have access to a bank account. This is followed by provinces like Takeo (41 percent), Kandal (37 percent), Kampong Thom (34 percent) and others, as a per a recent study by the Cambodia Microfinance Association (CMA) and Micro-Credit Ratings International Limited (M-Cril).