Corporate Profile
BCEL, Established In 1975, Initially As The National Bank Of The Lao People's Democratic Republic, Is Responsible For Handling All International Banking Business. In 1989, BCEL Was Transformed Into A State-owned Commercial Bank, And In 2010 It Became The First Listed Company On The Lao Stock Exchange, With The Ministry Of Finance Holding A 70% Stake. As A Leading Financial Services Provider In Laos, BCEL Provides Comprehensive Banking Services To Domestic And Foreign Customers Through Its Extensive Network And Diversified Business.
Regulatory Information
BCEL Strictly Complies With Laos' Financial Regulatory Regulations And Holds A Valid License To Ensure Compliance Of Its Operations. The Bank Is Committed To High Standards Of Internal Controls And Risk Management To Maintain Customer Trust And Financial Stability.
Trading Products
BCEL Offers A Wide Range Of Financial Products Including Deposits, Loans, Letters Of Credit, Letters Of Guarantee, Settlements, Foreign Exchange Transactions, ATM/debit Cards, Credit Cards, Mobile Banking And Online Banking Services To Meet The Diverse Needs Of Its Customers.
Trading Software
BCEL Uses Advanced Technology Platforms Such As Online Banking, Mobile Banking Applications And Electronic Payment Solutions To Provide A Convenient Trading Experience. Its Technology Infrastructure Supports Real-time Transaction Processing And Secure Data Transmission, Ensuring Efficient And Safe Operations.
Deposit And Withdrawal Methods
BCEL Supports A Variety Of Deposit And Withdrawal Methods, Including Card-based Payments, Electronic Banking Services, ATM Cash Access And Check Deposits. Customers Can Conveniently Manage Their Funds, Ensuring Flexibility And Efficiency In Financial Activities.
Customer Support
BCEL Provides 24/7 Customer Support Via Telephone, Email, Fax And Social Media Platforms. A Professional Customer Service Team Is Always Ready To Answer Customer Questions And Ensure The Timeliness And Effectiveness Of Services.
Core Business And Services
BCEL's Core Business Covers Traditional Retail And Commercial Banking Services, While Expanding Into Trade Finance, Investment Banking And Wealth Management. Through Partnerships With International Banks, BCEL Provides Cross-border Financial Services To Support Clients' Business Activities At Home And Abroad.
Technology Infrastructure
BCEL Invests In Advanced Technology Infrastructure, Including Cloud Computing And Blockchain Technology, To Enhance Service Efficiency And Data Security. Its Technology Platform Supports Real-time Transaction Processing And Seamless Customer Interaction, Ensuring The Efficiency And Reliability Of Operations.
Compliance And Risk Control System
BCEL Implements A Comprehensive Compliance And Risk Management System, Including Internal Audit, Threat And Risk Assessment And Capital Management. The Bank Conducts Regular Stress Testing To Ensure Financial Stability Under Various Market Conditions.
Market Positioning And Competitive Advantage
As The Largest Commercial Bank In Laos, BCEL Occupies A Leading Position In The Market With Its Extensive Network, Diversified Services And Innovative Technologies. Its Strategic Partnerships And Brand Perception Further Solidify Its Market Position.
Customer Support And Empowerment
BCEL Not Only Provides Basic Financial Services, But Also Empowers Its Clients Through Education And Consulting Services. The Bank Helps Clients Develop Financial Plans, Optimize Resource Utilization And Support Their Long-term Development Goals.
Social Responsibility And ESG
BCEL Actively Participates In Social Good And Supports Education, Environmental Protection And Community Development Projects. The Bank Focuses On Environmental And Social Governance And Promotes Sustainable Development Through Green Financial Products.
Strategic Cooperation Ecology
BCEL Has Partnered With A Number Of International Banks, Including Vietnam Investment Development Bank, France's BRED Bank And China Fudian Bank, To Expand Its Service Network. These Collaborations Have Enhanced BCEL's Global Influence, Enhanced Its Service Capabilities And Market Competitiveness.
Financial Health
BCEL Has Demonstrated A Strong Financial Health With High Capital Adequacy Ratio And Low Non-performing Loan Ratio. Its Sound Financial Management And Profitability Have Laid A Solid Foundation For Continued Growth.
Future Roadmap
BCEL Is Committed To Digital Transformation And Globalization Expansion, And Plans To Further Enhance Its Technical Capabilities And International Market Influence. Through Innovation-driven And Strategic Partnerships, BCEL Will Continue To Consolidate Its Leadership Position In Laos And International Markets.
