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On December 19, 2005, the Ministry of Finance allowed the Land and Houses Retail Bank to operate. The Bank is licensed to provide deposit services like other commercial banks but cannot conduct transactions related to foreign currencies and derivatives, except money exchange as an authorized money changer. In terms of lending, the Bank can provide all types of services to retail customers and small- and medium-sized enterprises.

Listed on the Stock Exchange of Thailand, the two companies are engaged in the development and management of real estate projects and command the largest market share. In addition to having strong financial positions, they both are committed to organizational management with good corporate governance. Several years ago, they recognized that Thailand should have a financial institution as a new option for consumers.

Besides retails banking, which includes deposit taking, the provision of cheque services and lending, Land and Houses Retail Bank may also carry on any other business which is regulated or authorized by Bank of Thailand, including financial advisory services, trade finance, short term investing and short-term foreign exchange.

As a Retail Banks in Thailand, Land and Houses Retail Bank are licensed under and governed by the Financial Institutions Businesses Act. They may undertake retails banking. Besides retails banking, which includes deposit taking, the provision of cheque services and lending, the banks may also carry on any other business which is regulated or authorised by Bank of Thailand, including financial advisory services and capital market services.