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Presentation of JDB Bank in Laos

JDB Bank Laos - International commercial bank with digital infrastructure
Founded in 1989 · Listed LSX · Vientiane , Laos

Joint Development
Bank Laos

JDB Bank has been supporting private and business customers in Laos for more than three decades. Today, it combines traditional banking business with modern digital payment infrastructure - and is directly integrated into the regulated digital asset ecosystem of Southeast Asia.

SWIFT / BIC · JDBKLALAXXX ASEAN Payment Hub Crypto connection via bitqik LSX-listed CCoin Network compatible
35+
Years of experience
49×
Asset growth since 2012
48
Branches nationwide

Positioning

Not just a fintech app - a fully-fledged commercial bank

JDB offers traditional banking services for private and corporate customers: Deposit Accounts, Corporate Loans, Bank Guarantees, Foreign Transactions, Merchant Services and International Funds Transfers. As a listed bank on the Lao Securities Exchange (LSX) with PwC as auditor, JDB provides institutional transparency through published annual reports.

History

From joint venture to public company

1989
Founded on October 3 as a Laotian-Thai joint venture commercial bank
2012
Complete takeover by the Laotian Simeuang Group - since then 100% Laotian ownership
2024
+18 % asset growth in the first half of the year; 49-fold increase in assets since 2012
2025
Initial Public Offering (IPO) on the Lao Securities Exchange (LSX) - additional institutional visibility and transparency standards

Digital services

JDB Yes App & Payment Infrastructure

Self-onboarding via app
Account opening via biometrics and selfie procedure - no branch required
Cross-Border QR Payments
QR payments in foreign currencies for cross-border commuters and international users
SWIFT & MoneyGram
International transfers via global standard channels (BIC: JDBKLALAXXX)
P2P transfers
Transfer money simply by phone number - without an account number
Multi-network cards
Visa, Mastercard, UnionPay, WeChatPay, AliPay & Dynamic LAO QR
Merchant Services
EDC terminals, salary payments, guarantee issues for corporate customers
Crypto connection via bitqik
bitqik is the first licensed crypto exchange in Laos and describes itself as supported by JDB. This makes JDB one of the few traditional commercial banks in the region with a direct connection to the regulated digital asset ecosystem - a relevant touchpoint for the CCoin Network and similar Web3 projects.

Savings products

Fixed-term deposit conditions (as at June 2025)

12%
p.a. · 48 months
12,5%
p.a. · 60 months

Interest rates as of June 2025. Loan interest rates vary depending on term and creditworthiness. Please contact the bank directly in advance for conditions.

Trust

What speaks for JDB

  • Over 35 years of banking in Laos - one of the oldest private banks in the country
  • Listed on the Lao Securities Exchange (LSX), audited by PwC
  • 49-fold increase in assets since 2012
  • Annual reports publicly accessible - institutional transparency
  • ASEAN payment hub strategy with SWIFT, MoneyGram, QR-Cross-Border
  • Connection to Laos' regulated digital asset environment via bitqik

Beware of fake Facebook profiles that pretend to be JDB employees. Only use official channels. Do not make any advance payments. Individual tax obligations remain unaffected - please seek your own tax advice.

Contact us

How to reach JDB Bank

Head office Joint Development Bank, Vientiane, Laos
Website www.jdbbank.com.la
SWIFT / BIC JDBKLALAXXX
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