Caution

If you receive any calls (except from BoB Contact Center when you have lodged a concern with them +975 2 349903), SMS and Email asking for personal details such as Account number or ATM Card number, please do not share. Bank of Bhutan will never ask for personal details of clients. It’s all spam.

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Bank of Bhutan

Established by a Royal Charter in May 1968, Bank of Bhutan (BoB) is the oldest bank in the country. It also acted as the Central Bank of Bhutan till the Royal Monetary Authority of Bhutan was set up in 1982. Registered under the Companies Act of the Kingdom of Bhutan 2000, as a public sector commercial bank, it was the country’s only banking institution until 1997.

Today, BoB has the distinction of being the largest commercial bank in Bhutan, making its presence felt in every Dzongkhag, and Major Township through a network of 38 branch offices. With the adoption of Core Banking Solution in 2009, banking operations were automated. This saw the emergence of ATMs, Internet Banking, POS and Mobile & Agency Banking Services as alternate channels to deliver banking services.

As on 31st December, 2016 the paid up capital was Nu. 3,000 million and shares were held by Druk Holding & Investments (DHI) and the State Bank of India in the ratio of 80:20 respectively. In 2007, DHI took control over the country’s public sector companies, including Bank of Bhutan, which until then was under the Ministry of Finance.

BoB provides a wide range of financial products and services, such as deposits, loans, trade finance and money market as well as facilitating financial transactions of customers. As a primary member of VISA and MasterCard, its services include acquiring and issuing of Credit and Debit cards. It also offers e-payment gateway services. To enhance customer convenience and to serve the under-banked and unbanked population, BoB launched “Mobile & Agency Banking” services (mBoB) on May 15th, 2015, which enables customer using a smart phone to access the bank from anywhere and at any time. By leveraging the Mobile Banking platform, BoB is also embarking on Agency Banking, to take its services to the rural unbanked population.

CORE VALUES

Bank of Bhutan’s core values can be abbreviated as I-CARE which signifies that the Bank cares for all its stakeholders, be its employees, customers, community, shareholders and the nation at large, along with the significance of each term explained below:

I : Integrity & Innovation – We act with integrity and creativity to deliver lasting value

  • We uphold the highest standards of transparency and ethics in everything we do, earning the trust of our customers, partners, and stakeholders.
  • We innovate responsibly, using technology and creativity to improve banking access, efficiency, and service quality.
  • We embrace change as an opportunity for progress, continuously exploring smarter, more sustainable ways to serve our customers.
  • Our integrity defines who we are; our innovation drives where we are going.

C : Customer Centricity & Collaboration – We put our customers first and work together to deliver exceptional experiences

  • Our customers are at the heart of every decision — we design products, services, and processes around their needs and aspirations.
  • We listen actively, respond quickly, and deliver with empathy to build lasting relationships based on trust.
  • We believe collaboration is key — across teams, divisions, and with our customers — to co-create meaningful, value-driven solutions.
  • Together, we aim to make banking simpler, faster, and more human.

A : Accountability & Adaptability – We take ownership of our actions and adapt swiftly to change

  • Every employee is personally accountable for delivering on commitments and upholding the Bank’s reputation for reliability and trust.
  • We maintain clear accountability structures — ensuring transparency, defined roles, and measurable outcomes.
  • We adapt quickly to evolving customer needs, technological shifts, and market dynamics, staying resilient and relevant in a fast-changing world.
  • Through proactive learning and agility, we turn challenges into opportunities for growth.

R : Relationship & Respect – We build lasting relationships founded on trust, respect, and shared success

  • We believe in the power of relationships — within our teams, with our customers, and across the communities we serve.
  • We promote a culture of mutual respect and inclusiveness, where diverse perspectives lead to stronger solutions and better decisions.
  • We support one another, share knowledge openly, and celebrate collective achievements.
  • Strong relationships and mutual respect are the foundation of our resilience, collaboration, and long-term success.

E : Excellence, Employee & ESG – We strive for outstanding performance while empowering highly motivated, well-rewarded professionals to lead with integrity and purpose

  • We commit to the highest standards of quality, efficiency, and professionalism in everything we do.
  • We value and invest in our employees — empowering them to learn, grow, innovate, and excel as drivers of the Bank’s transformation thus building a workforce of highly motivated, skilled and well-paid professionals who take pride in delivering exceptional results.
  • We create an environment where people are supported, recognized and rewarded for their contribution to the Bank’s success.
  • We embed ESG (Environmental, Social and Governance) principles into lending, investment and operational decisions to promote sustainable, responsible growth.
  • Through excellence, empowered employees and strong ESG leadership, we ensure the Bank of Bhutan remains a trusted, future-ready institution for generations to come.

MISSION

To set the standard for responsible banking, leveraging innovation to provide accessible financial services, and fostering sustainable accelerated economic growth.

VISION

To be the leading sustainable, inclusive, and innovative bank in the region, driving shared prosperity and shaping a secure future for our clients.