ACLEDA Bank Lao Ltd.

What ACLEDA Bank Lao Ltd. does

ACLEDA Bank Lao Ltd. is a commercial bank headquartered in Vientiane, Lao PDR, operating as a wholly-owned subsidiary of ACLEDA Bank Plc. of Cambodia. Founded in July 2008, the bank runs 37 branches and offices across 15 provinces and employs approximately 1,007 staff. It serves individual retail customers, business and commercial clients, and financial institutions, offering deposits, lending, foreign exchange, trade finance, remittances, and digital banking services spanning 10 currencies. The bank is regulated and licensed by the Bank of Lao PDR.

The technology platform centers on the ACLEDA mobile Super App, which integrates mobile banking, QR-based merchant payments, mobile cash deposit and withdrawal, and loan origination. The platform supports 234.2K mobile app users and 88.8K QR merchant partners, with interoperability through SWIFT, Western Union, and LAPnet for cross-border and domestic payment switching. Recent product additions include "Loan Merchant" (a business loan product tied to QR merchant activity) and mobile cash deposit/withdrawal features introduced in 2024-2025.

Revenue mechanics derive from net interest income on the loan portfolio, fees and commissions on remittances, FX, trade finance, and card/QR payments, plus ancillary banking services. Registered capital was increased to 550 billion KIP (approximately USD 24-26 million), reflecting parent-group funding to support balance-sheet expansion and regulatory compliance. No detailed pricing model or revenue split is publicly disclosed.

Name

ACLEDA Bank Lao Ltd.

Legal name

ACLEDA Bank Lao Ltd.

Website

https://acledabank.com.la

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

ACLEDA Bank Lao Ltd. is a Lao PDR commercial bank and wholly-owned subsidiary of ACLEDA Bank Plc. (Cambodia), operating 37 branches across 15 provinces to serve retail, business, and institutional customers with deposits, lending, FX, remittances, and digital/mobile banking.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

Cash-in/Cash-out Agent Network Wallets (FSAMAEAJ), ATM / Cash Access Network Schemes (FSAMAAAH)

Keywords

• Commercial banking services
• Retail banking products
• Mobile banking
• SME lending
• International money transfers

Headquarters

HQ city

Vientiane Capital

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: The bank provides various loan products including small business loans (including group loans), medium business loans, overdraft facilities, personal loans, home improvement loans, housing loans, car loans, and credit lines. Interest income from these lending products forms the core revenue.
2. Deposit Account Fees and Services: Various deposit accounts generate fee income including current accounts, savings accounts, fixed deposits, individual retirement accounts, health savings accounts, education savings accounts, and monk accounts with pagoda funds.
3. Digital Banking Services: Fees from ACLEDA mobile transactions, ATM/POS usage, and other electronic banking services including payroll services and standing orders.
4. Foreign Exchange Services: Currency exchange services for USD, THB, EUR, AUD, CAD, JPY, VND, GBP, KHR against LAK. Exchange rates updated daily per Bank of Laos regulations.
5. Trade Finance: Trade finance services for both personal and business customers including letters of credit, guarantees, and documentary collections.
6. QR Code Merchant Services: QR code payment facilities provided to merchants including Stand QR, Sticker QR, and Card QR codes for accepting payments from ACLEDA mobile users.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels3 records

Core offering

ACLEDA Bank Lao Ltd. is a Lao PDR-licensed commercial bank offering a full suite of retail and business banking services through 37 branches across 15 provinces. Its core offering spans deposit accounts (savings, current, fixed deposit, retirement, education, health, monk/pagoda), multiple loan products (small/medium business, personal, housing, car, home improvement, overdraft, credit line), cash management services (payroll, standing orders, cashier's/certified cheques, bank confirmation, cash collection), trade finance, foreign exchange, and local/international fund transfers via SWIFT and Western Union. Digital banking is delivered through the ACLEDA mobile Super App with wallet accounts, QR code payments, and Gold Code cash withdrawals, supported by an ATM network and an 88.8K-strong merchant QR partner ecosystem.

Product overview

ACLEDA Bank Lao Ltd. offers a comprehensive commercial banking platform structured around four core pillars: Credit (loan products), Deposits (savings and current accounts), Cash Management (operational banking services), and Digital Banking. The product portfolio spans personal banking with multiple loan types (Small Business, Medium Business, Personal, Home Improvement, Housing, Car, Overdraft, Credit Line), deposit accounts (Savings, Current, Fixed Deposit, Retirement, Health Savings, Education Savings, Monk/Pagoda), business services (Trade Finance, Payroll, Cash Collection), and digital channels (ACLEDA mobile Super App, ACLEDA Card, ATM network). The bank integrates with SWIFT and Western Union for international transfers, LAPnet for shared ATM access, and maintains a network of 88.8K merchant QR code partners across Lao PDR.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Account
• Current Account
• Fixed Deposit Account
• Individual Retirement Account
• Health Savings Account
• Education Savings Account
• Monk Account and Pagoda Fund Account
• Small Business Loan (including group loan)
• Medium Business Loan
• Overdraft Facility
• Personal Loan
• Home Improvement Loan
• Housing Loan
• Car Loan
• Credit Line
• Loan for Financial Institutions
• Loan Merchant
• ACLEDA Card
• ACLEDA mobile (Super App)
• ACLEDA mobile Cash Deposit/Withdrawal
• ACLEDA ATM
• QR Code Payment (Business)
• Foreign Exchange
• Local Funds Transfers
• International Funds Transfers via SWIFT
• International Funds Transfers via Western Union
• Payroll Service
• Standing Order/Direct Debit
• Bank Confirmation
• Cashier's Cheque
• Certified Cheque
• Cash Collection
• Trade Finance
• Payment Order via E-mail/Fax

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Five partnerships are on record, tiered minor and core.

• ACLEDA University of Business Co., Ltd.minorStrategic or Co-development PartnerSubsidiary of ACLEDA Bank Plc. Operating as a leading business school with high-quality standards to develop future generations and support socio-economic development in Cambodia and the region.
• ACLEDA Securities Plc.minorStrategic or Co-development PartnerSubsidiary of ACLEDA Bank Plc. Provides securities brokerage, stock selling representative, and bondholder representative services for individual and institutional investors.
• Bank of the Lao PDR (BoL)coreStrategic or Co-development PartnerRegulatory body that officially licensed ACLEDA Bank Lao to operate as a commercial bank. Exchange rates are updated daily per Bank of Laos regulations.
• SWIFT NetworkcoreTechnology or IntegrationInternational funds transfers via SWIFT network for USD, EUR, JPY and other major currencies. SWIFT Code: ACLBLALA.
• Western UnioncoreTechnology or IntegrationInternational money transfer service enabling overseas remittances through ACLEDA Bank Lao's branch network.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• ACLEDA Bank Plc. ACLEDA Bank Plc. is the parent company and Cambodia's largest commercial bank with 265 branches. While it is the parent rather than a competitor, it operates the same digital banking platform and product set that ACLEDA Bank Lao deploys, making it the most directly comparable institution by business model.
• Standard Chartered Bank Laos: Standard Chartered operates in Lao PDR focusing on corporate, trade finance, and wealth services. It competes for large corporate and trade finance customers overlapping with ACLEDA Bank Lao's corporate segment, especially where correspondent relationships matter.
• Krungthai Bank (KTB) – Lao Operations: Krungthai Bank, Thailand's largest state-owned bank, has branches and remittance corridors into Laos. It competes for corporate banking, Thai-Lao trade finance, and remittance flows overlapping with ACLEDA Bank Lao's cross-border business.

Direct peers

• Phongsavanh Bank: Phongsavanh Bank is a Lao commercial bank providing deposits, loans, and trade finance with a domestic branch network. It directly competes with ACLEDA Bank Lao for Lao retail and SME customers, particularly in Vientiane and central provinces.
• Lao-Viet Bank (LVB): Lao-Viet Bank is a major joint-stock commercial bank in Laos providing deposits, loans, FX, and trade finance. It directly competes with ACLEDA Bank Lao in retail and SME banking, with particular strength in Vietnam-Laos cross-border trade.
• Joint Development Bank (JDB): Joint Development Bank is one of the larger private commercial banks in Lao PDR, offering retail deposits, SME loans, and digital banking. It competes head-to-head with ACLEDA Bank Lao for individual and business customers across Vientiane and provincial markets.
• Banque pour le Commerce Extérieur Lao (BCEL): BCEL is the largest state-owned commercial bank in Lao PDR, offering the full suite of deposits, lending, trade finance, and digital banking services. It is the dominant incumbent against which ACLEDA Bank Lao directly competes in retail and corporate banking across the same 15-province market.

Emerging players

• Banque Franco-Lao (BFL): Banque Franco-Lao is a Franco-Lao joint venture bank offering trade finance, FX, and corporate banking in Lao PDR. While smaller in retail, it overlaps with ACLEDA Bank Lao in serving Lao corporate clients engaged in international trade.
• Maruhan Bank Lao: Maruhan Bank Lao is a Lao-Japanese focused microfinance and commercial banking operation serving Japanese-linked businesses and Lao retail customers. It overlaps with ACLEDA Bank Lao's SME and consumer lending segments in selected urban markets.

Regional players

• Thanachart Bank: Thanachart Bank is a Thai commercial bank that serves as a THB correspondent bank for ACLEDA Bank Lao's international transfers. While not directly competing in Laos, it is a regional peer in cross-border Thai-Lao remittance and trade flows central to ACLEDA's business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/acleda-bank-lao-ltd-

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about ACLEDA Bank Lao Ltd.