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Established in 1992, Myanmar Citizens Bank (“MCB”) is one of the oldest private commercial banks in the country and the first bank to be listed on the Yangon Stock Exchange. With a healthy balance sheet and strong management team,
it is currently enjoying one of the fastest growth rates in Myanmar. MCB has a diverse shareholder base, a board with well experienced directors and a senior management team with a wealth of experiences in banking across Myanmar and the Asia Pacific region. Its board and management team bring a disciplined governance framework fostering strong ethical values and transparency to its business model.

MCB has been traditionally focused on Commercial and SME segments. It is now rapidly expanding into Corporate and Retail banking segments distributing innovative and competitive products and services through a network of nearly 50 branches across 26 cities in the country. Over 1,000 committed and dynamic banking professionals serve MCB’s fast-growing client base in a friendly and efficient environment.

In 2019, MCB signed a wide-ranging long-term consultancy and partnership agreement with the International Finance Corporation (“IFC”), the private sector arm of the World Bank, embarking on a three-year transformation journey to modernize and build its banking operations along with best-in-class product and service offerings.

To visit MCB website:

The Vision of the Bank has been “To become a strong, stable, sustainable, ethical and innovative bank which creates value for all stakeholders by harnessing and contributing tothe progress of Myanmar”. The key strategic goals of the Bank are to reach to the “Top 7 Bank in Myanmar by Balance Sheet size and quality, to be known as the Technologically driven Bank, Best Employer in the Banking Industry and a Profitable Bank providing a reasonable return to the investors/shareholders of the Bank” and the way to achieve this goal is to focus on combative growth, customer acquisition, centering on physical and digital expansion, having clear-cut targets and timely execution of strategies.

In 2020-2021 budget year, MCB achieved the CAR Ratio of 18.34%, Liquidity Ratio of 49.62% and LD Ratio of 49.18% despite the difficult market situations.

Premier Automotive Ltd (PAL), a wholly owned investment subsidiary of CDSG are awarded as:

  1. Exclusive Sole Distributorship for GEELY (吉利汽车集团) car brand in Myanmar’s since 2020;
  2. Dealer for FAW (中国第一汽车集团有限公司) in Myanmar PAL set to expand the GEELY passenger car and FAW commercial vehicle brand in Myanmar by bring in more model and variant from the China giant car manufacturer.

PAL local presence and knowledge of the market, coupled with its international expertise, makes them reliable partners and trusted custodians of the best global automotive products. Our staff operates at the highest level of performance with dedication to customer service and commitment to meeting the highest customer expectations. PAL makes every showroom and service center experience consistent with the overall brand values and expectations of both brand owners and customers.

GEELY Showroom in Myanmar


Yangon Flagship Showroom

No.3, 12 Ward,
Insein Road, Hlaing Township, Yangon


GEELY Inspire Auto Yangon Showroom

No.22/A, Kabar Aye Pagoda Road, Ko Min Ko Chin Quarter, Bahan Township. Yangon.


GEELY Ever Thrive Yangon Showroom

No.450, Waizayantar Road, Thingangyun Township, Yangon



GEELY Mandalay Showroom

No.40,41,42,43, 73rd street, Between 27th x 28th street, Chan Aye Thar Zan Township, Mandalay


GEELY Inspire Automotive Mandalay Showroom

No.900, 78th Street, Chan Mya Tharsi North Ward, Maha Aung Myae Township, Mandalay


FAW Showroom as below:

FAW Yangon Display Yard

No.99, Min Gyi Mahar Min Gaung Street, Yangon-Pathein Road, Hlaing Tharyar Township, Yangon


FAW Mandalay Showroom

No.588(B), Yangon-Mandalay Highway Road, Nat Yae Kan, Amayapuya Township, Mandalay


Capital Automotive, a joint venture between CDSG and RMA Group (Thailand), is Myanmar’s authorized sole distributor and dealer for Ford, Jaguar and Land Rover vehicles, and John Deere tractors and agriculture equipment since 2013. The partnership has also commenced the assembly of Ford Ranger Double Cab and Ford Everest SUV vehicles in Myanmar.

Capital Automotive’s local presence and knowledge of the market, coupled with its international expertise, makes them reliable partners and trusted custodians of the best global automotive products. Their staff
operates at the highest level of performance with dedication to customer service and commitment to meeting the highest customer expectations. Capital Automotive makes every showroom and service center experience consistent with the overall brand values and expectations of both brand owners and customers.

For more information, please visit:

Jaguar XF will demonstrate its exceptional performance in the new @007 films NO TIME TO DIE, with our luxury sports saloon. Explore the history of Land Rover’s iconic The New Land Rover Defender, which was crowned 2021 world car design of the year at the annual World Car Awards. Successfully launched its digital launch in Myanmar on September 18, 2020 as well.”

Ford won two awards in 2019: “Best City SUV 2019 award with Ford EcoSport and Best Pick-Up Truck 2019 award with Ford Ranger Raptor in the Drive Magazine’s Myanmar Car of the Year Awards (“MCOTY”) 2019. Ford proudly launch “The All New Ford Territory” in December 2020 in Myanmar, adding spices to compact SUV segment in automotive industry of Myanmar.

Capital Taiyo Life Insurance (“Capital Taiyo Life”) is a joint venture between Capital Life Insurance, Capital Taiyo Life’s predecessor, and Taiyo Life Insurance. Capital Life Insurance was founded in 2013 and is one of the very first private life insurance companies established in Myanmar. Taiyo Life Insurance is one of the largest Life insurance companies in Japan with over 100 years of history. The two entities formed a Joint Venture, Capital Taiyo Life Insurance, in November 2019 to provide high-quality products and services to its customers. As of May 2022, Capital Taiyo Life operates in 6 regions with a network of 12 branches, covering Nay Pyi Taw, Yangon, Mandalay, Ayeyarwady and Mon.

Capital Taiyo Life is one of the fastest growing life insurance companies in Myanmar with a healthy balance sheet and a strong management team. Capital Taiyo Life’s increasing network of physical branches provides interactive customer experience in urban areas by offering door-to-door sales and face-to-face engagement with customers to uplift the knowledge and awareness of insurance products and services. Capital Taiyo Life’s partnership with financial institutions, leveraging on the strong network of Capital Diamond Star Group (“CDSG”), and its digital presence open doors to serve customers better across different markets in both rural and urban areas.

With a robust corporate culture and strong ethical values, Capital Taiyo Life aims to be the leading life insurer in Myanmar, providing high-quality services to more customers by increasing physical presence as well as deploying innovative e-services and digital solutions.

Our Services
  • Short Term Endowment Life Insurance
  • Education Life Insurance
  • Group Life Insurance
  • Health Insurance
  • Critical Illness Insurance
  • Travel Insurance (Travel Insurance Under 100 Miles, Special Travel Insurance)
  • Personal Accident Insurance
  • Snake Bite Insurance
  • Farmer Life Insurance
  • Athletes Life Insurance
  • Single Premium Credit Life Insurance
  • Short Term Single Premium Credit Life Insurance

Fortune Fund Myanmar Company Limited (“Fortune Fund Myanmar”) is the microfinance arm of CDSG. FFMCL runs a dual urban and rural micro-finance program in 98 townships across 9 states and regions.

Originally established in 2013 as Fullerton Finance (Myanmar) Company Limited, the company received its license to operate from the Myanmar Microfinance Supervisory Enterprise in June 2015. Since 24th April 2023, the company has been operating as Fortune Fund Myanmar, a wholly owned subsidiary of CDSG.

Fortune Fund Myanmar strives to be a modern microfinance institution which enables successes and enriches the lives of Myanmar’s under-served communities, micro-entrepreneurs and their families to have a better future through our inclusive financial services.

From its inception, the company has approved and disbursed a total of over MMK 430 billion in loans to over 740,000 clients. Its outstanding loan portfolio is over MMK 27 billion as of May 2023.

For more information on Fortune Fund Myanmar, please click visit its website and Facebook page at

Citizens Pay is the lifestyle application that enables digital payment. Citizens Pay effortlessly combines financial and lifestyle activities, making it smarter, faster and easier to pay for everything; from daily essentials like bus tickets and bills, to ordering food and even donating to a user’s favorite charity. Citizens Pay users can also enjoy many exciting rewards and loyalty promotions available for all users. 

What Does Citizens Pay Do 

“Citizens Pay” aims to deliver the best financial mobile payment platform through best customer service and innovative payment by helping your daily payment to be more convenient, flexible and better cash management. 

Product Features of Citizens Pay 

  • Cash in / Cash out 
  • Send Money (Wallet- Wallet / Wallet-OTC / OTC-OTC Transfer) 
  • Top up (mobile / internet) 
  • Bank Linkage 
  • Bill Payments 
  • Loan Repayments 
  • Online and Offline Merchant Payments 
  • Pension / Salary, Loan Disbursements 

Diamond Star, CDSG’s predecessor, first embarked on its journey in the wheat flour business when it established its first mill in Mandalay, only capable of producing 1-ton per day, in 1980. Today, its mills in Yangon and Mandalay have a combined capacity of 1,160 tons per day, making it the largest flour mill and market-leading miller in Myanmar. It had taken the founders of Diamond Star almost four decades to build its market leading wheat flour business which remains the cornerstone of CDSG.

Since 2015, the wheat flour business has been operating under Lluvia Limited (“Lluvia”), a joint venture between CDSG and Mitsubishi Corporation. Lluvia is leveraging the expertise and experience of CDSG and Mitsubishi Corporation with the aim of becoming the leader in wheat flour as well as other food businesses in Myanmar.

Presently, Lluvia’s Diamond Star and Rocket are leading wheat flour brands with over 50% market share in Myanmar.

Lluvia is also distributing baking equipment and baking ingredients such as shortening, margarine, cake gel, flavors and yeasts. These ingredients are supplied to our flour customers such as bakeries, noodle factories, confectionery factories and HORECAs across Myanmar.

Lluvia strives to become a one-stop solution provider for our flour customers by not only supplying them a wide range of ingredients, as mentioned above, but also providing various technical assistance to our customers.

Originally operating under Diamond Star Co., Ltd., CDSG’s entire Agribusiness division was consolidated into its subsidiary, Aventine Limited (“Aventine”), in 2014, which later became a member of Lluvia, CDSG’s joint venture with Mitsubishi Corporation. Over the past two decades, Aventine has grown into Myanmar’s leading importer and supplier of quality fertilizers, quality plant protection products and quality seeds which are marketed under the well-loved ARMO, Eagle and Diamond seeds brands.

ARMO, the flagship brand of Aventine, is the market leader in the high-quality compound fertilizer segment and a leading brand in the plant protection segment.

Aventine is also one of the largest exporters of agricultural commodities, providing support to thousands of farmers who grow paddy, corns, potatoes, green mung beans, pulses and other crops.

Aventine’s core ethos is to foster innovation and contribute to the sustainable growth of Myanmar’s agricultural ecosystem in order to better the lives of Myanmar farmers. Aventine is proud to have benefited the farmers and the overall agriculture sector which generates the largest number of jobs in the country. With a strong commitment and passion to bring the best quality products to the doorsteps of Myanmar farmers, it has consistently helped millions increase their productivity and improve their livelihoods.

Branded Consumer Foods business (“BCF”) under Lluvia Limited, a joint venture between CDSG and Mitsubishi Corporation, is the manufacturer and distributor of Myanmar’s number one instant coffee brand, Premier. Premier 3 in 1, Premier 2 Plus 1, Premier Espresso, Premier White Coffee, Premier Fusion, Premier Arabica Fresh, Premier Fine Ground, Premier Coarse Ground, Premier Milk Powder and Premier Malt drinks are the key products of the Premier brand. BCF also produces Happy Tea, Happy Coffee, Happy Caramel, Htoo Shal Tea and Htoo Shal Kaw. Lluvia Limited formed an organization named Sar Taw Kal Noodle Limited, to produce quality instant noodles which are distributed by the BCF under the Wah-Lah brand. 

International Bulk Terminal Thilawa (“IBTT”) is a joint venture between Lluvia Limited (CDSG-Mitsubishi JV), Kamigumi and Japan Overseas Infrastructure Investment Corp (“JOIN”). It is located at Plot 30 and 31(A) of Thilawa Port Zone, Kyauk Tan Township in Yangon. IBTT’s objective is to help Myanmar for reducing of import and export logistics costs by providing efficient port facilities service for bulk carriers and handling of crop and bulk cargoes.

With its autonomous grain silos and a dedicated flat bottom warehouse, IBTT can store wheat gain (40,000 MT), soybean meal and maize (20,000 MT) respectively. IBTT provides tremendous value for players in the feed business along with many others in various food industries. IBTT’s jetty is designed to accommodate 60,000 DWT vessels, which can be up to 210m in LOA and 9.2 meters in draft. In addition to free-flowing non-hazardous cargo, IBTT is also capable of handling general cargoes including special project cargo, which requires specialized services.

Company Structure


(1) Head office: 4-1-11, Hamabe-dori, Chuo-ku, Kobe, Hyogo

(2) Estabilished: 1947

(3) Representative: Yoshihiro Fukai, President & Representative Director

(4) Website:

JOIN (Japan Overseas Infrastructure Investment Corporation for Transport & Urban Development)

(1) Head office: 2-2-3 Marunouchi, Chiyoda-ku, Tokyo

(2) Established: 2014

(3) Representative: Takuma Hatano, President and CEO

(4) Website: