Banking

A regulated platform for financial transactions, treasury management, and cross-border banking solutions.

LABUAN BANKING

A Labuan bank is a financial institution licensed under the Labuan Financial Services and Securities Act 2010 (LFSSA) to conduct banking business in, from, or through Labuan International Business and Financial Centre (Labuan IBFC).

Its purpose is to provide international banking services such as deposit-taking, lending, trade finance, investment banking, and other permitted financial activities to non-residents and certain approved residents, leveraging Labuan’s strategic location and tax-efficient regime.

BENEFITS

  • Tax Advantage – 3% tax on audited net profit subject to fulfilment of the substance requirements.
  • Strategic Location – Proximity to major Asian markets and time zone advantage.
  • Business Flexibility – Ability to serve both international clients and approved domestic transactions.
  • Stable Regulatory Framework – Governed by LFSSA and supervised by Labuan Financial Services Authority (Labuan FSA).
  • Reputation – Recognized as part of a well-regulated international financial centre.

Categories of Labuan banks

  • Investment Bank – Engages in capital market activities, corporate advisory, mergers & acquisitions, underwriting, and investment portfolio management.
  • Commercial Bank – Offers traditional banking services such as deposits, loans, trade financing, and foreign exchange.

  • Digital Bank – Provides banking services primarily via digital platforms, including e-payments, online deposits, and virtual financial products.

Labuan Investment Bank

Use Case

A financial group in Singapore establishes a Labuan investment bank to serve ASEAN-based clients for cross-border mergers & acquisitions and trade financing. The Labuan bank provides USD loans to exporters in Vietnam and Indonesia while also managing investment portfolios for high-net-worth individuals in Asia, benefiting from the 3% tax regime and regional market access.

Labuan COMMERCIAL BANK

Use Case

A Middle East-based banking group establishes a Labuan commercial bank to support trade and investment flows between the
Gulf region and Southeast Asia offering:
  • Deposit accounts in USD, EUR, and MYR for corporate and individual clients.
  • Trade financing facilities for importers in Malaysia purchasing raw materials from the Gulf.
  • Letters of credit and bank guarantees to support cross-border contracts.
  • Compliance Framework – AML/CFT procedures, internal controls, and audit arrangements.
  •  Ensure that the persons in control, directors and officers meet the fit and proper person requirements.
By operating from Labuan, the bank benefits from the 3% tax regime, ability to deal with both non-residents and approved residents, and proximity to ASEAN markets. Clients gain from competitive financing terms, faster transaction processing, and a trusted, regulated banking environment.

Labuan DIGITAL Bank

Use Case

A fintech company in Hong Kong sets up a Labuan digital bank to provide fully online banking services to SMEs and high-net-worth individuals in ASEAN.
The bank’s operations are based in Labuan with a fully licensed digital banking platform offering:
  • Multi-currency accounts for clients in Singapore, Malaysia, Vietnam, and Thailand.
  • Cross-border payments with real-time foreign exchange at competitive rates.
  • Digital trade financing for e-commerce exporters in Indonesia and the Philippines.
  • Automated wealth management through AI-driven investment portfolios accessible via a mobile app.
Clients open accounts remotely via eKYC, transfer funds instantly across supported countries, and access financing without visiting a branch. The Labuan digital bank leverages the 3% tax regime, regulatory credibility, and Labuan’s position as an international financial hub to attract regional clients who value both compliance and efficiency.

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Labuan Investment Bank

a) Use Case

  • A financial group in Singapore establishes a Labuan investment bank to serve ASEAN-based clients for cross-border mergers & acquisitions and trade financing. The Labuan bank provides USD loans to exporters in Vietnam and Indonesia while also managing investment portfolios for high-net-worth individuals in Asia, benefiting from the 3% tax regime and regional market access.

Labuan COMMERCIAL BANK

a) Use Case

A Middle East-based banking group establishes a Labuan commercial bank to support trade and investment flows between the
Gulf region and Southeast Asia offering:
  • Deposit accounts in USD, EUR, and MYR for corporate and individual clients.
  • Trade financing facilities for importers in Malaysia purchasing raw materials from the Gulf.
  • Letters of credit and bank guarantees to support cross-border contracts.
  • Compliance Framework – AML/CFT procedures, internal controls, and audit arrangements.
  •  Ensure that the persons in control, directors and officers meet the fit and proper person requirements.
By operating from Labuan, the bank benefits from the 3% tax regime, ability to deal with both non-residents and approved residents, and proximity to ASEAN markets. Clients gain from competitive financing terms, faster transaction processing, and a trusted, regulated banking environment.

Labuan DIGITAL Bank

a) Use Case

A fintech company in Hong Kong sets up a Labuan digital bank to provide fully online banking services to SMEs and high-net-worth individuals in ASEAN.
The bank’s operations are based in Labuan with a fully licensed digital banking platform offering:
  • Multi-currency accounts for clients in Singapore, Malaysia, Vietnam, and Thailand.
  • Cross-border payments with real-time foreign exchange at competitive rates.
  • Digital trade financing for e-commerce exporters in Indonesia and the Philippines.
  • Automated wealth management through AI-driven investment portfolios accessible via a mobile app.
Clients open accounts remotely via eKYC, transfer funds instantly across supported countries, and access financing without visiting a branch. The Labuan digital bank leverages the 3% tax regime, regulatory credibility, and Labuan’s position as an international financial hub to attract regional clients who value both compliance and efficiency.

Head Office

Unit Level 11(A), Main Office Tower, Financial Park Labuan, Jalan Merdeka, 87000 FT Labuan, Malaysia

Marketing Office

19A-25-1, Business Suite, UOA Centre, No.19, Jalan Pinang, 50450 FT Kuala Lumpur, Malaysia

For General Inquiries

[email protected]

For Marketing Inquiries

[email protected]

Operation Hour

Mon-Fri: 8.30-17.30
(Malaysia Time)
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