Message from the Chairman
Dear Esteemed Shareholders and Customers,
I am delighted to extend my warmest greeting on this auspicious occasion, wishing you all physical and mental well-being.
Our bank established on 15th February in 1996 under the name of Myanmar Livestock and Fishery Bank has already marked the 31st Anniversary with the name changed into the Global Treasure Bank Public Company Limited from 1st July of 2013, and we are offering banking services.
To facilitate our customers, we are providing services with 177 branch banks, 170 being big ones whereas only the remaining 7, the smaller ones. Nevertheless, only 143 branch banks are operational with the remaining 34 being temporarily shut down for regional security reasons.
Concerning technology, commencing from November in 2018, Infosys Core Banking System Go-Live was introduced. In carrying out the banking activities,the guidance of the
Central Bank of Myanmar has been followed to upgrade the banking system. Investment has been made to enable the proper use of the network connections as well as to keep the security system abreast of time. Likewise, the Department of Information and Technology has been providing supervision to enable the staff from the bank branches to use the banking system properly, to handle the machines skillfully and to improve their technological skills.
Additionally, GTB, in cooperation with the UnionPay International—UPI based in the People’s Republic of China, is issuing the GTB UnionPay Single Brand Credit Cards to enable its customers to use them not only within the country but also in 181 nation across the world.
GTB is engaged in foreign banking activities as it has been issued with the Authorized Dealer License of the Central Bank of Myanmar. In this regard, GTB has opened Money Changer Counters which are selling USD, Euro, SGD, Thai Baht and MYR.
Additionally, Nostro Accounts have been opened with four correspondent banks, and establishing RMA with four foreign banks, GTB is carrying out export/import services, bank guarantee service and trade financing—TT, LC. GTB is cooperating with the Western Union through which the business of remittance is being done with Myanmar nationals from 74 countries. During fiscal 2025-2026, the remittance numbered 45,741 in total. The nations that made the greatest number of remittance were; Malaysia, Japan, America, Singapore and Thai.
And what is more, GTB and UAB have signed a bilateral agreement to be engaged in the process of making transferred payments for the maritime trade i.e. normal trade and the border trade activities. Upon receipt of the permission from the Central Bank of Myanmar, the aforesaid activities can be started.
Additionally, the GTB Mobile Wallet—the GTB Pay, GTB Agent, GTB Merchant--is available for digital banking services like transfer between GTB Pay Accounts, linking GTB Pay and GTB Agent to bank accounts, doing Wallet Cash In from MPU Cards from other banks and GTB Agents, paying in the electric meter bills, topping up the phone bills and the salaries and bonuses of the employees. This can also make payments with MyanmarPay MMQR Merchant and also with other banks through whose applications payments can be made to the QR of the GTB Merchants.
With the use of GTB Pay/GTB Agent, the electric meter bills can now be paid in Yangon Region, Mandalay Region and Nay Pyi Taw, the Union Territory in addition to Magway Region, Ayeyarwady Region, and Bago Region plus Mon State.
As for the Compliance Department, it has already updated the compliance policy and risk management policy to be in accord with the newly defined provisions of AML/CFT issued on 11st March of 2026.
And these new AML/CFT policies and procedures as well as the directives of the CBM are being communicated to the staff from the HO Departments and bank branches. They are also being given the awareness of preventive measures and their duty to do the reporting as and where necessary.
Concerning the Corporate Social Responsibility (CSR), GTB has formed Treasure Heart, which during 2025-2026 fiscal contributed fund amounting to Kyats 106.69 million for those suffering from catastrophic disasters, the poverty-stricken people, philanthropist activities and religious affairs. The donation amounted to Kyats 1,115.89 million as of the period under report.
In conclusion, we are effectuating technological and monetary development, and we are strongly confident that GTB will be able to realize its motto, "Your Dream, Your Success, Global Treasure Bank". We also wish GTB becoming a bank which is achieving success in both local and foreign banking services.
With a million thanks,
Maung Maung Thein
Chairman
Global Treasure Bank
(Public Company Limited)