J Trust Royal is one of Cambodia’s largest foreign banks with an ever-growing commitment to provide world-class financial services to Cambodian people and expatriates living in and working across the kingdom.
We are a full-service bank here to help everyday personal customers, high net-worth individuals, business customers and large corporate clients. Our coverage across Cambodia, combined with our experienced staff, means we offer outstanding professional, secure and tailored services for our customers.
It’s an experience you can TRUST.
Formally known as ANZ Royal, the bank became J Trust Royal in August 2019 following the acquisition by J Trust of ANZ’s shareholding in the bank. Find out more about our history, our shareholders, and our commitment to provide innovative financial solutions in Cambodia.
The 2023 JTrust Royal Bank Annual Report provides a comprehensive overview of the bank’s performance, operations, and key highlights for the year. Here are some key insights from the report:
- Financial Performance:
- Total Assets grew by 3.6%, reaching USD 1.4 billion.
- Gross loans increased by 1.0% to USD 1.001 billion.
- Customer deposits also saw a growth of 3.4%, amounting to USD 935 million.
- The bank maintained a Return on Equity (ROE) of 5.0% and achieved a net profit of USD 13.1 million despite the global economic challenges.
- Operational Highlights:
- The bank rolled out the Bakong and KHQR platforms for real-time payments and fund transfers.
- Introduced new products like the Signature Account, Payroll Saving Plus, and a car loan product.
- Renovated branches in Siem Reap and Preah Sihanouk provinces.
- Awards and Recognition:
- The bank received multiple awards, including recognitions from VISA Cambodia for impactful usage campaigns and leadership in credit activation and debit payment volumes.
- Corporate and Personal Banking:
- J Trust Royal Bank offers a broad range of corporate and personal banking solutions, including trade finance, foreign exchange, cash management, and loans. They cater to both local SMEs and multinational corporations.
- Risk Management:
- The bank emphasizes a strong risk management framework with a focus on operational, credit, and strategic risks to ensure stability and compliance with regulatory standards.
- Corporate Social Responsibility (CSR):
- The bank’s CSR initiatives are focused on education and community development. They have partnered with various organizations to promote financial literacy and support underprivileged communities.
The report highlights the bank’s resilience and continued growth despite global economic uncertainties and challenges, positioning J Trust Royal Bank as one of Cambodia’s key players in the financial industry.