Corporate Profile

MARUHAN Japan Bank Lao was founded in Feb 2013 by the present Chairman Dr. Han Chang-Woo and is the first and only Japanese-owned commercial bank in Lao PDR. As it is in our heritage, we embody Quality, Service, Innovation and Trust. Our Group has banking presence in Laos, Cambodia and Myanmar, which provides unparalleled regional banking experience. Here at MJBL, we strive to be Glo-cal, a term coined combining the best of global and local talents & expertise with a strong local understanding, business focus and long-term vision to be here in Lao for good – serving our local communities, businesses and customers.


The Bank has a significant footprint of 4 domestic branches which include the first-ever fully digital & paperless branch at World Trade Centre which is the first in Laos and the region. The digital service unit is 100 percent paperless, automated, and uses straight-through-processing. Furthermore, to enhance customer experience and empower financial inclusion, MJBL has already expanded its physical banking presence to 154 MJ Sabai agency banking centers across 9 provinces and more to come.


MJBL is an international locally incorporated bank providing a full range of financial products and services ranging from retail banking, SME banking, corporate banking, and VIP banking and with a wide spectrum of award-winning digital enablers – MJ Saduak mobile banking & e-wallet application, corporate online portal, an e-commerce auto settlement solution (E-CASS), DOI (Domestic Oriented Infrastructure), and the 1st fully paperless and digital bank, and many more for the convenience of customers coupled with a range of professional, affordable, convenient and easy to use banking services with the kind of personal hospitality that the Japanese are renowned for throughout the world.


As part of its strategic transformation, MARUHAN Japan Bank Lao is focused on incorporating sustainability initiatives into its business practices and operations. The Bank strives to deliver sustainable economic growth that is profitable, environmentally responsible and socially relevant, helping customers to access more and achieve their dreams. In lien with that, the Bank is the first-ever pioneer bank to introduce EV loans to the Laos market.



In honor of our defining roles, MARUHAN Japan Bank Lao has been accorded recognition by reputable domestic and global organizations. Some of these recognitions include: “Best Mobile Banking App – MJ Saduak” by International Finance Magazine, UK; “Best Bank for Customer Experience” by The Digital Banker, Singapore; “Best User Experience for Mobile Banking” by The Digital Banker, Singapore; “Most Innovative Digital Bank” by Global Business Outlook, UK; “Most Innovative Transformation” by International Finance Magazine, UK; “Best Banking CEO” by International Finance Magazine, UK in 2020 and 2021; “Best Quality in Management Strategy” by ESQR, Switzerland; “Friend of Laos Award” for our contribution in LAO PDR economy by the ASEAN Business Awards; “Top Business Leader for COVID-19” by Lao National Chamber of Commerce and Industry; “Best New Virtual Debit Card” by Global Economics, UK; “Fastest Growing Commercial Bank” by Global Economics, UK just to mention a few.

Corporate Name MARUHAN Japan Bank Lao Co., Ltd
Head Office
Unit 14, 23 Singha Road, Ban Phonxay, Saysettha District, Vientiane, Lao PDR
Year of Establishment
Board of Directors

Dr. HAN, Chang-Woo (Chairman)

Mr. HAN, Ken (Vice-chairman)

Mr. Kim, Vada (Director)

Mr. IWASA, Tomoyuki (Director)

Registered Capital
LAK501,53B as of 31st December 2023

1. MARUHAN Corporation 10%

2. MARUHAN Investment Asia Pte. Ltd 90%

Branch & Service Unit
Banking Agent
271 Banking agents (as of August 2023)
Bank of the Lao PDR (BOL) Licensed Commercial Bank