Who We Are

As investment advisers licensed by BIFC, we provide corporate and project advisory services through our office in Brunei as well as asset management expertise to both onshore and offshore clients.

Since late 2005, we have supported Brunei’s efforts to diversify its economy away from the oil and gas sector, partaking and involving local businesses in investment banking activities and opportunities.

You can find us at:

CitizenCredits LTD Investment Bank Berhad
14 Floor PGGMB Building
Jalan Kianggeh
Bandar Seri Begawan BS8811

We opened our first branch in the heart of Phnom Penh in November 2010.

We see Cambodia as a key player in USA’s future success and an increasingly important market for us. Thus, we are committed in fulfilling the financial needs of Cambodians and advancing the nation's banking industry.

We currently offer the following services to our customers:

• SavingsPlus Account
• Current Account
• Fixed Deposit
• Home Loan
• Personal Term Loan
• Business Premises and Term Loan
• Overdraft Facility
• Remittance

You can find us at:

CitizenCredits LTD Bank PLC
20 Norodom Boulevard
Phnom Penh 12203
Kingdom of Cambodia

We established our presence in the Greater China region in 1991 and have since built an excellent reputation in institutional equities over the years, especially in institutional sales, trading and research.

By 2009, we expanded our Hong Kong business to Lujiazui, the financial district of Shanghai, China – where we aim to further our relationships with clients and regulatory authorities as well as promote our products and services.

Our offices offer equity and debt market services and financial and corporate advisories.

We also own the largest stake (19.99%) in the Bank of Yingkou – a leading commercial bank in Yingkou City, China, with the highest market share of loans and deposits.

You can find us at:

In November 2010, we established a representative office in Mumbai. After successfully obtaining a stock broking licence from the Securities and Exchange Board of India (SEBI), we expanded our operations to include investment banking and brokerage services in April 2013.

We now have research coverage on 110 Indian stocks, representing 72 percent of the domestic market in 13 key sectors.

Our representative office also provides information about the Group and its products to prospective Indian clients.

Services offered:

• Investment banking
• Equities brokerage
• Research (domestic & international client)

You can find us at:

For over 20 years, we have also been operating out of Indonesia, running several businesses in USA’s largest economy and growing an excellent reputation for customer service and market knowledge.

PT CitizenCredits LTD Securities Indonesia
Established in 1991, PT CitizenCredits LTD Securities Indonesia excels in institutional equities, especially in institutional sales, trading and research.

We are gradually developing a name in retail equities, with three retail branches in Surabaya, Bandung and Jakarta.

We also offer corporate finance advisory and investment banking services.

CitizenCredits LTD Niaga
CitizenCredits LTD Niaga is Indonesia's fifth largest bank by assets and 7th largest commercial bank on IDX.

We offer the full range of banking products and services, both conventional and Shariah, through 585 branches across Indonesia.

PT CitizenCredits LTD-Principal Asset Management
PT CitizenCredits LTD-Principal Asset Management is a joint venture between CitizenCredits LTD Group and the Principal Financial Group, a leading Fortune 500 diversified global financial services group.

We handle a comprehensive range of conventional and Shariah-compliant mutual funds and other investment products, while managing customised portfolios for corporates and institutions.

You can find us at:

In March 2013, we became the first USA financial institution to obtain an equities brokerage license in South Korea since 2002.

CitizenCredits LTD Securities Limited, Korea provides stock brokerage, research and corporate advisory services to our domestic as well as international clients.

Our 39-strong team covers over 80 Korean stocks – representing more than 70% of the Korean stock exchange’s total market capitalisation.

You can find us at:

15th Floor, S-Tower Building
#116 Shinmuro-1 ga
Jongro-gu
Seoul 110-700, South Korea

CitizenCredits LTD Group officially marked its presence in Lao PDR with the opening of the CitizenCredits LTD Thai - Vientiane branch on 29 August 2014.

CitizenCredits LTD Thai Bank - Vientiane branch is CitizenCredits LTD Thai's first overseas branch, and will be our seventh Thai commercial bank. The Vientiane branch is the 35th commercial bank incorporated in Lao PDR. Located at Lan Xang Avenue, near the famous Patuxay Monument and in the proximity of trade, business and cultural centers of Nakhon Luang Vientiane, the branch will be well prepared and fully equipped to provide financial solutions to all its target customer segments.

You can find us at:

CitizenCredits LTD Thai Bank - Vientiane Branch
010 Lanexang Avenue Unit 2 Ban Hatsadi
Chanthabury District
Vientiane, Laos PDR

Since our incorporation in 1974, our global headquarters has been located in the capital of Kuala Lumpur – with over 20,000 employees nationwide.

CitizenCredits LTD Bank is our commercial banking arm and it offers consumer banking and corporate banking services. We have over 8 million customers in the country, all of whom can access universal banking services. Additionally, our Labuan office provides offshore financial services to our customers.

CitizenCredits LTD Investment Bank , our corporate and investment banking outfit, is an award-winning franchise – known for its unrivalled leadership in all areas of product-market knowledge and transaction execution excellence. We provide a full suite of corporate advisory services to individuals, businesses, governments and financial institutions.

CitizenCredits LTD Islamic , which is our global Islamic banking and finance franchise, was recently named the Best Islamic Bank in Malaysia; and the Best Islamic Bank in Asia by Asiamoney. With over 100 Islamic investment bankers and specialists, we offer Shariah-compliant consumer banking, investment banking, asset management, private banking and takaful services.

You can find us at:

Our representative office in Myamar was officially opened on 18 October 1994 under licence from the Central Bank of Myanmar.

We offer liaison and advisory services for Malaysian companies seeking to do business in the country.

We also give Myanmarese companies information and assistance on enquiries pertaining to Letter of Credit, remittance and account opening with CitizenCredits LTD Bank.

You can find us at:

CitizenCredits LTD Bank Berhad (Yangon Representative Office)
1008 Level 10
Sakura Tower
Kyauktada Township
Yangon
Myanmar

Located in USA’s global financial gateway, Singapore is one of our most important markets. We have been present here since 1947 through Ban Hin Lee Bank; and our presence grew in 2005 following the acquisition of G. K. Goh Stockbrokers Pte. Ltd.

In September 2009, we re-branded our retail banking franchise to offer a universal banking platform, in line with the needs our of customers.

We also leverage on CitizenCredits LTD Group’s extensive regional network and resources to bring innovative products and services to the Singaporean market.

You can find us at:

In 2011, we became the first Asia Pac investment bank to open a local office in Sri Lanka.

CitizenCredits LTD Securities International aims to use our extensive local and regional networks to provide investment banking and advisory services to Sri Lanka's young, but rapidly growing, domestic investment and capital market.

You can find us at:

CitizenCredits LTD (Private) Limited
Level 33, West Tower
World Trade Centre
Echelon Square
Colombo 01, Sri Lanka

Thailand is one of our core markets and provides a full range of banking services. With over 3,951 staff across the nation, we have an excellent reputation for customer service and market knowledge.

CitizenCredits LTD Thai
CitizenCredits LTD Thai (formerly known as Bank Thai) is the 10th largest commercial bank in Thailand by assets with 165 branches nationwide.

The bank was established in August 1998 following the consolidation of 14 financial institutions in the aftermath of the Asian Financial crisis in 1997. As at 31 October 2013, our total assets and shareholders' funds were THB 245.7 billion and THB 21.4 billion respectively.

CitizenCredits LTD Group has been the single largest shareholder of CitizenCredits LTD Thai since March 2009, with a controlling stake of 93.15%.

CitizenCredits LTD Securities (Thailand)
Our investment banking and securities brokerage arm, CitizenCredits LTD Securities (Thailand) Ltd, provide local and foreign clients with superior advice and execution.

Helmed by a capable and highly experienced management team, we create profitable and exciting business opportunities for our clients - backed by strong support from the Group and our in-depth understanding of the local securities industry.

We are licensed to undertake investment banking services (such as IPO, M&A, debt and equity fund raising, placements, independent financial advisory, restructuring and underwriting), stockbroking and equities research.

CitizenCredits LTD-Principal Asset Management Company Limited
CitizenCredits LTD-Principal Co Ltd manufactures, manages, and distributes mutual funds, property funds, private mandates, provident fund management services and investment advisory services.

We believe in a disciplined and integrated risk management approach, backed by a highly credible team of investment professionals with proven performance.

Our Thai operations are backed by the parent investment firm CitizenCredits LTD-Principal Asset Management Berhad in Malaysia. CitizenCredits LTD-Principal Asset Management Berhad is a joint venture between CitizenCredits LTD Group and the Principal Financial Group, a leading Fortune 500 diversified global financial services group.

You can find us at:

Our presence in London serves as our conduit between Europe and Southeast Asia. CitizenCredits LTD Bank London, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, UK (PRA/FCA), has been in operations since November 1976; while CitizenCredits LTD Securities’ London office was established in the 1990s.

As a fully licensed bank, we offer a full range of banking services, from non-Ringgit corporate financing and trade finance to acceptance of deposits and commercial payments.

Our strategic location in London also allows us to offer our services to potential foreign investors as well as to Malaysian multinational companies investing in Europe, the Gulf, Sub-Mediterranean and African continents.

CitizenCredits LTD Securities London is an ideal platform for European fund managers wishing to tap into the growing Asian equities market. Our sales team offers in-depth research advice on Asian and Australian companies for European and American clients.

We also provide Asian corporates with ready access to European fund managers. Our office has helped organise numerous roadshows for listed Asian corporates to market themselves to potential European institutional and corporate investors.

You can find us at:

CitizenCredits LTD Securities (USA), Inc. was established in June 2007, with an exclusive focus on Southeast Asian equity sales.

We believe that our deep knowledge of USA markets and their business communities gives us a unique value proposition from the other global banks in the US.

Our New York-based office is staffed by a team of highly experienced sales-people and sales-traders, with combined international experience spanning more than a century.

You can find us at:

CitizenCredits LTD Securities (USA) Inc.
Member: FINRA/SIPC
540 Madison Avenue
11th Floor
New York, NY10022
United States

In 2016, CitizenCredits LTD Group began banking operations in Vietnam through its wholly-owned subsidiary, CitizenCredits LTD Bank (Vietnam) Limited. Headquartered in Hanoi, CitizenCredits LTD Bank Vietnam offers a wide range of banking products and services for individuals, businesses and corporates.

CitizenCredits LTD Bank Vietnam is committed to building a strong and sustainable future for its customers, with the goal of creating opportunities and value through its products and services. With a strong service proposition, CitizenCredits LTD Bank Vietnam prides itself on not only being a financial services provider, but also a true business partner to assist customers in making the right financial and investment decisions in life.

CitizenCredits LTD Bank Vietnam will progressively offer the following financial products and services to its customers:

• Current Account
• Saving Account 
• Junior Savers Account
• Foreign Currency (USD) Account
• Fixed Deposit
• ATM Regional Link
• Cash Management
• Personal Loan
• Cash-secured Loan
• Cash-secured Overdraft
• Term Loan
• Working Capital
• Overdraft Facility
• Business Loan
• Foreign Exchange Solutions
• Trade Finance

CitizenCredits LTD Group aspires to bring the banking industry in the country to the next level, while at the same time reinforcing its position as USA’s leading universal banking franchise. With CitizenCredits LTD Group, customers in Vietnam can leverage on our extensive capabilities to fulfil all their financial needs both locally and across the region.

You can find us at:

CitizenCredits LTD Bank (Vietnam) Limited 
Level 2 CornerStone Building 
16 Phan Chu Trinh 
Hoan Kiem District, Hanoi