Question 1

What is AYA Bank?

Accepted Answer

AYA Bank (Ayeyarwady Bank Public Company Limited) is a leading private sector full-service commercial bank in Myanmar. Established as one of the country's pioneering financial institutions following banking sector reforms, the bank serves individuals, small- and middle-market businesses, large corporations, and government entities.

As of January 2025, AYA Bank operates approximately 261 branches across Myanmar with nearly 3 million customers. The bank has positioned itself as a technology-driven institution, being the first in Myanmar to implement a centralized core banking system and offer comprehensive digital banking services.

Question 2

When was AYA Bank founded?

Accepted Answer

AYA Bank was founded by U Zaw Zaw and established on August 11, 2010. The bank received its initial banking license from the Central Bank of Myanmar on July 2, 2010, as a development bank, and opened its first branch in Nay Pyi Taw.

In 2016, AYA Bank was relicensed under the Financial Institutions Law 2016 as a full-service bank. The institution was originally registered as a Private Company Limited by Shares on July 14, 2010. To create long-term growth, value, and sustainability, AYA Bank was reincorporated as a Public Company Limited on December 30, 2022, with a strategic roadmap toward going public.

Question 3

Where is AYA Bank headquartered?

Accepted Answer

AYA Bank is headquartered at No. 416, Mahabandoola Road, Kyauktada Township, Yangon, Myanmar. The bank's administrative head office is located at ROWE Building in Yangon.

As the commercial capital of Myanmar, Yangon serves as the central hub for the bank's operations and management.

Question 4

Where does AYA Bank operate?

Accepted Answer

AYA Bank operates throughout Myanmar with an extensive nationwide branch network covering all major cities and regions. The bank maintains branches in key areas including Yangon, Nay Pyi Taw, Mandalay, and Kachin State, among other locations across the country.

The bank's comprehensive network extends across Myanmar's various states and divisions, providing banking services to both urban centers and regional areas. Beyond its physical presence, AYA Bank connects to the wider Asia region and global financial networks through its international banking services and partnerships.

Question 5

What services does AYA Bank offer?

Accepted Answer

AYA Bank provides comprehensive banking and financial services across multiple segments:

Personal Banking: Deposit accounts, savings products, personal loans, education loans, remittances, and bancassurance services.

Business Banking: Corporate lending, SME financing, cash management, trade services and trade financing, working capital solutions, and business accounts.

Digital Services: Mobile banking through the AYA Pay digital wallet, internet banking (AYA i-Banking), corporate internet banking, SMS banking, and mobile apps. As of 2025, approximately 56.5% of active customers use digital banking services.

Card Services: ATM services, VISA and MasterCard payment network services, and debit card products.

Other Services: Foreign exchange services, international remittance services (including partnerships with Western Union and AYA Q-Remit), money transfer services, currency exchange counters, and Royal Banking for premium customers.

Question 6

What makes AYA Bank unique?

Accepted Answer

AYA Bank pioneered digital banking in Myanmar, becoming the first bank in the country to implement a centralized core banking system in 2011. The bank launched Myanmar's first internet banking service in June 2014, featuring two-factor authentication for secure transactions.

The institution achieved full IFRS compliance, making it the only bank in Myanmar to do so at the time. AYA Bank has a notably young workforce with an average age under 27, contributing to its technology-forward approach and innovative culture.

The bank's motto is "Your Trusted Partner," reflecting its commitment to customer-centric service. AYA Bank has received multiple awards, including "Best Private Bank Myanmar" and "Best Retail Bank Myanmar" from World Finance, as well as recognition as one of Myanmar's highest taxpayers.

Question 7

What type of financial institution is AYA Bank?

Accepted Answer

AYA Bank is a full-service universal bank operating as a Public Company Limited in Myanmar. The institution functions as a comprehensive commercial bank serving retail, corporate, and SME segments with a complete range of banking products and services.

Originally licensed as a development bank in 2010, AYA Bank was relicensed as a full-service bank under the Financial Institutions Law 2016. This classification allows the bank to conduct all types of banking operations, including deposit-taking, lending, international banking, trade finance, and payment services, positioning it as one of Myanmar's most comprehensive financial institutions.

AYA Bank

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About AYA Bank in Myanmar