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BFL Bank, which has been created in 2010 in the Lao P.D.R, is celebrating its 10 years of operations in the country. Our team wish to thank the bank's clients for their continuous trust in our services, and to our partners for their continuous support. 

This anniversary reflects the next chapter for the company, where as the first european bank in Lao P.D.R, we are emphasizing on our commitment of building long term partnerships with our local and international clients.


Message from the CEO of BFL, Stephane Urbain:

Born as a partnership between BRED a French bank and BCEL, Banque Franco Lao (BRED Group) identity combines a French flavor and a local presence. BRED Group was created as a cooperative bank by entrepreneurs in 1919, and kept this entrepreneurship spirit since its creation along with a strong community involvement and promotion of new initiatives.
Innovation in the banking sector has become a key, not only in terms of digital solutions, but also through the advice that we propose to our customers. What we want to put at the heart of our action is a better understanding of our customer’s projects, in order to build proximity and strong partnership with our customers, through dedicated Personal Bankers, reactivity to their questions and tailor-made solutions.

BFL Bank Laos is part of BRED Bank:

We believe that our mission is also to participate in the local and sustainable development of Laos. For these reasons, we initiated BFL Corporate Social Responsibility (CSR) program, which focuses on three main themes: 'Banking on Women', 'Financial Inclusion' & 'Community Investment" (click here for more information).

We have been named the best bank for Lao SMEs for several years and we regularly conduct “access to finance” training as part of our Banking on Women initiatives, to help Lao women entrepreneurs and young women upskill and learn how to create a business plan, access credit opportunities, etc.

Innovation, entrepreneurship and social involvement are the keywords of our mission!



BRED Group provides a wide array of services ranging from retail and business banking to corporate banking, private banking, asset management, insurance, private equity, FX, derivatives, all kinds of investment and hedging solutions. Today, BRED is a strong french banking group with:


Total group


in € Millions

Net Profit

in € Millions


BFL BRED Bank is a subsidiary of BRED Banque Populaire, a member of the BPCE Group, the 2nd largest banking group in France, serving more than 31.2 million customers, employing more than 100,000 people worldwide, and counting 9 million cooperative shareholders. BPCE has an A/A+ rating, and is one of the banks with the highest possible international standards.

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