SBI LY HOUR Bank Plc. began operations as LY HOUR Microfinance Institution in 2012 and transitioned into a commercial bank after receiving a banking license from the National Bank of Cambodia on March 23, 2020, with strategic investment from Lok Neak Oknha Ly Hour and the giant Japanese corporation, SBI Holdings, Inc. Then, in October 2025, SBI LY HOUR Bank Plc. became a wholly-owned subsidiary of SBI Holdings, Inc.

The strategic integration of SBI LY HOUR Bank Plc. into the SBI Group's global network is a pivotal move, designed to leverage extensive fintech resources and align operations to enhance value for customers. This move builds on a strong foundation, as in 2024, SBI LY HOUR Bank, was ranked 18th among 59 banks in Cambodia with a loan book of over $821 million, establishing it as a significant and fast-growing institution since its conversion to a commercial bank in 2020.

Currently, SBI LY HOUR Bank Plc. has surpassed this with over $1.15 billion in total assets and a nationwide network. This extensive reach is a result of a strategy that seamlessly blends physical infrastructure with a vast digital presence, utilizing advanced money transfer services like SBI Ripple with blockchain technology built for fast and low-cost international payments. By doing so, SBI LY HOUR Bank Plc. is expanding services to meet the growing demand for convenient digital banking and position itself to thrive in the future of fintech.