LH Bank

What LH Bank does

LH Bank (Land and Houses Bank Public Company Limited) is a Thai commercial bank headquartered in Bangkok and operating as a mid-size institution under the LH Financial Group umbrella, itself part of the Land and Houses Group conglomerate. The bank serves three primary customer segments — personal/retail, SME, and corporate — and additionally targets foreign customers and high-net-worth clients through dedicated Family/Wealth Banking tiers. Its product suite spans deposits (savings, fixed, current, tax-free, foreign currency), loans (personal, home, home-equity, balance transfer, SME, trade finance, factoring), insurance distribution (life, non-life, unit-linked, health, credit protection), and investments (securities brokerage, mutual funds, SSF/RMF tax-advantaged funds, shares savings plan).

The bank's technology stack is centered on digital banking platforms rather than proprietary core systems. Personal customers are served through LHB You (mobile app) and LHB Rewards (loyalty), while SMEs and corporates access LHB Biz Connect and LH Bank Speedy business internet banking. Onboarding and authentication are enabled by Facial Recognition e-KYC and integration with Thailand's NDID national digital identity platform, and payments ride on PromptPay infrastructure. Distribution is multi-channel: domestic branch network, digital self-serve platforms, a 1327 contact center, and marketing/engagement via Facebook, LINE, YouTube, Instagram, and X.

LH Bank's revenue model combines net interest income from deposits and loans with recurring distribution fees from bancassurance (notably a Unit-Linked and SSF/RMF arrangement with Muang Thai Life Insurance), transaction-based fees from securities brokerage and mutual funds, and cash management / cross-border service fees for SME and corporate clients. Pricing is not publicly disclosed; customers are directed to branches or contact channels for personalized quotes. The bank is privately held within the LH Financial Group structure, with registered capital of Baht 20 billion per its Memorandum of Association, and operates exclusively within Thailand.

Name

LH Bank

Legal name

Land and Houses Bank Public Company Limited

Website

https://lhbank.co.th

Company type

Public

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

LH Bank (Land and Houses Bank Public Company Limited) is a Bangkok-based Thai mid-size commercial bank offering deposits, loans, insurance, investments, and digital banking to retail, SME, corporate, foreign, and high-net-worth customers in Thailand, operating under LH Financial Group.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Islamic Retail Banking (FSABAGAA)

akta.pro secondary industry

Reconciliations, Controls & Financial Operations (GL, Nostro/Vostro, Suspense) (FSABALAI)

Keywords

• Retail banking services
• Commercial banking
• SME lending
• Digital banking platforms
• Bancassurance distribution

Headquarters

HQ city

Bangkok

HQ country

Thailand

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Deposit Services: Accepting customer deposits including savings accounts, fixed deposits, current accounts, tax-free accounts, and foreign currency deposits
2. Loan Products: Personal loans, home loans, balance transfers, and SME loans generating interest income
3. Insurance Distribution: Bancassurance distribution of life insurance, non-life insurance, unit-linked products, health protection, and credit protection products in partnership with Muang Thai Life Insurance
4. Investment Services: Securities brokerage, mutual funds, advisory services, and tax-advantaged investment products (SSF/RMF)
5. Digital Banking Services: Digital banking platform services, PromptPay, SMS alerts, and electronic services
6. Cash Management Services: Business banking services including cash management, fund transfers, and cross-border services for SMEs and corporates

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

LH Bank provides a comprehensive suite of banking and insurance services in Thailand across personal, SME, and corporate segments. Core offerings include deposit accounts (savings, fixed deposit, current, tax-free, foreign currency), loan products (personal, home mortgage, refinance, SME, trade finance, factoring, bank guarantees), insurance distribution (life, non-life, unit-linked), investment services (securities brokerage, mutual funds, SSF/RMF), and digital banking platforms (LHB You, LHB Rewards, LHB Biz Connect, LH Bank Speedy). The bank also offers premium family banking tiers and services tailored to foreign customers.

Product overview

LH Bank (Land and Houses Bank Public Company Limited) is a Thai banking institution offering a comprehensive suite of personal banking products organized into several categories: deposits (Digital Savings, Savings Account, Tax Free Account, Fixed Deposit, Current Account, Foreign Currency Deposit), loans (Happy Cash Personal Loan, Happy Cash Balance Transfer, Happy Home Loan, Refinance, Happy Home for Cash, Home 2 Hand), insurance (Life, Non-Life, Unit-Linked, Retirement, Health Protection), and investments (Securities Brokerage, Mutual Fund, SSF/RMF, Shares Saving Plan). The bank provides digital banking services through LHB You (mobile app), LHB Rewards (loyalty), LHB Biz Connect (SME digital), and LH Bank Speedy (corporate internet banking). Additional services include LH Bank Advisory for personalized financial guidance, e-KYC facial recognition for digital onboarding, PromptPay integration for national QR payments, and cardless banking features. The Family Banking segment offers Elite and Wealth tiers with premium privileges.

Differentiator

Problem solved

Functional benefit

Brands

• LHB You: Digital banking platform for personal customers
• LHB Rewards
• LHB Biz Connect
• LH Bank Speedy

Products and services

• LHB You Mobile Banking

Quantifiable outcome

• Baht 1,800 million loan facility to ONYX Hospitality Group for tourism development

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered minor and core.

• ONYX Hospitality GroupminorOthers · 1 January 2026LH Bank provided a Baht 1,800 million loan facility to ONYX Hospitality Group for the 'EQ Phuket' project. This strategic lending partnership supports tourism development in Phuket, demonstrating LH Bank's role in financing hospitality sector projects in Thailand.
• Muang Thai Life Insurance (เมืองไทยประกันชีวิต)coreChannel Partner/ Reseller/ DistributorLH Bank partnered with Muang Thai Life Insurance to launch Unit-Linked insurance products. This bancassurance partnership allows LH Bank to distribute life insurance products including SSF and RMF tax-advantaged funds, helping customers with tax planning through the bank's investment platform.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Kasikornbank: One of Thailand's largest commercial banks offering retail, SME, and corporate banking, digital platforms (K PLUS), wealth, and bancassurance — directly comparable in product breadth and target segments to LH Bank.
• Siam Commercial Bank (SCB): Major Thai commercial bank with full retail, SME, corporate, wealth, and bancassurance offerings via SCB Easy app; comparable product portfolio and customer segmentation to LH Bank.
• Krungthai Bank: Large state-linked Thai commercial bank serving retail, SME, and government payroll clients with a similar deposits/loans/digital model; relevant comparable for LH Bank's domestic retail and SME positioning.
• TMBThanachart Bank (TTB): Mid-to-large Thai universal bank formed via merger, offering retail, SME, and wealth services with a strong digital push (ttb touch) — a close comparable in scale and target segments to LH Bank.
• Bank of Ayudhya (Krungsri): Major Thai commercial bank (under Mitsubishi UFJ group) serving retail, SME, and corporate clients with deep digital offerings; comparable in product mix and SME focus to LH Bank.
• Kiatnakin Phatra Bank (KKP): Mid-size Thai bank with retail, SME, and wealth-management capabilities; similar mid-tier positioning and customer-segment focus to LH Bank, especially in advisory and investment-linked products.
• United Overseas Bank (UOB) Thailand: Singapore-headquartered regional bank with a Thailand commercial banking franchise serving retail, SME, and corporate clients — overlapping with LH Bank's target customer base in Thailand.
• CIMB Thai Bank: Mid-size Thai commercial bank (part of CIMB Group) focused on retail, SME, and wealth — directly comparable in scale and proposition to LH Bank, including bancassurance and digital banking.

Broad incumbents

• Bangkok Bank: Thailand's largest commercial bank with extensive corporate, retail, and trade-finance franchise; while significantly larger, it competes directly with LH Bank across SME, retail, and corporate segments.

Others

• Muang Thai Life Insurance: Major Thai life insurer and LH Bank's bancassurance partner; comparable in customer base and product overlap on unit-linked and retirement products, though operating in insurance rather than core banking.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/LHBank_Official
• YouTubeyoutube.com/user/LHBankChannel
• Facebookfacebook.com/LHBank
• Instagraminstagram.com/lhbank
• LinkedInlinkedin.com/company/lh-bank

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LH Bank