J Trust Royal Bank commenced operations in Cambodia in August 2019 following the acquisition of a majority shareholding in the bank formerly known as ANZ Royal.

J Trust Royal is a joint venture between J Trust, a Japanese diversified financial holding company listed on the Tokyo Stock Exchange, and The Royal Group, one of Cambodia’s largest conglomerates.

A Brighter Financial Future

We are excited to grow J Trust Royal and invest in products and services that make banking easier than ever. Our name has changed but the friendly faces who know and value our customers remain.

We will offer world-class services and build on the bank’s proud legacy of innovation and modernisation of banking in Cambodia (when ANZ Royal opened in 2005 it completely revolutionised financial services in the country as the first bank to offer ATMs, credit cards and internet banking).

We have already launched a new and improved internet banking experience, a mobile banking app (JTR Mobile), and overhauled our online cash management platform for corporate clients (JTR Connect). And with more growth and improvements under way, we know the financial future is brighter for J Trust Royal customers.

Everyday Banking

We offer a range of accounts, products and services to help you manage your money.

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Premier Banking

We pride ourselves on our trusted relationships and trusted financial solutions for our high net worth clients.

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Corporate Banking

We structure and deliver sophisticated business financing solutions to meet our customers’ interests and unique requirements.

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More about J Trust

Headquartered in Tokyo, J Trust has operations in five countries including banking operations in South Korea and Indonesia.

In recent years, J Trust has expanded rapidly in financial services through acquisitions. South East Asia, including Cambodia, is a key focus market for J Trust and in 2012 and 2014, J Trust announced the acquisition of banking businesses in South Korea and Indonesia respectively.

J Trust holds a 55% share in J Trust Royal and its global corporate philosophy demonstrates its commitment to pursue sustainable business growth in order for J Trust Royal to reach its full potential:

"For our customers, shareholders and ourselves, we make a continuous effort to respond quickly to changing environments and challenge ourselves diligently to create a better future for the world.”


More about The Royal Group

The Royal Group is the premier investment and development company in Cambodia and holds a 45% share in J Trust Royal.

The company is focused on bringing quality investment to Cambodia and providing investors with the platform to run successful and profitable operations. The Royal Group has been at the heart of Cambodia’s economic development for more than two decades, attracting international investors and building market leaders in a cross-section of industries.

The company is recognised as the country’s most dynamic and diversified business conglomerate. Established as a strategic investment holding company, it maintains interests in a wide range of industries including telecommunication, media, banking, insurance, resorts, education, property, trading and agriculture.


Key Milestones


  • J Trust Royal Bank expands 3 new branches: J Trust Royal Saensokh, J Trust Royal Chbar Ampov, J Trust Royal Chroay Chongvar


  • J Trust acquires ANZ’s share of the bank, transitioning from ANZ Royal to J Trust Royal Bank in August 2019.


  • Celebrates 10 Years in Cambodia
  • First bank to transact a Corporate Syndication Loan in Cambodia


  • First bank to announce a partnership with MFI - Hattha Kaksekar Limited (HKL) to enhance transactional banking solutions
  • First to launch unsecured Personal Loans.


  • Cambodia’s first Commodity hedging
  • First to introduce Business & Corporate Banking Call Centre


  • Cambodia’s first RMB conversion
  • First bank to launch Bancassurance referral partnership


  • First to offer Electronic Payment & Cash Solution Platform
  • Cambodia’s first KHR FX Swap


  • First to offer Internet Banking


  • Celebrates our 100th ATM
  • First to offer Credit Cards


  • First to introduce POS (Point of Sale) with a ground-breaking campaign - the ANZ BlueSpot
  • First to launch FX Forward


  • Opens first Branch in Phnom Penh
  • First to introduce ATMs in Cambodia

November 2004

  • Receives bank license as ANZ Royal

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