Royal Investment Bank

Your Reliable Partner for Premium Investments and Digital Finance

Who We Are?

The ROYAL INVESTMENT BANK is a regulated international private investment bank.

Hybrid Banking

RIB combines the solidity of private investment banking with cutting-edge fintech innovations. Through a regulated hybrid licence and direct connectivity to a hybrid financial-settlement ecosystem, we enable clients to manage their wealth securely across both traditional and digital asset classes, benefit from personalised advisory services, and enjoy 24/7 access to portals within the RCCG R-Bridge ecosystem, such as our OTC platform, digital exchange and commercial bank. To enhance transparency and stability, we employ our own digital currencies, Royal Stablecoins (RXAU, REUR, RUSD), each fully 1 : 1 backed by physical gold, US dollars, or euros.

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Our Standards

Our goal is to ensure that every step—from opening an account to executing complex capital transactions such as is swift, transparent, and fully compliant with the strictest international standards. We also apply the highest KYC and AML principles, safeguarding not only our clients and the bank’s integrity but the entire RCCG Group.

License & Our Presence

RIB operates in more than twenty jurisdictions and holds Investment Banking Licence No. 220147BI from the Labuan FSA, covering lending, structured finance, asset management, FX derivatives, and much more.

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Part of the RCC Group

We are a key entity within the RCC Group financial platform - Royal Bank platform. RCCG ecosystem comprises seven specialised multi-family wealth-management platforms - The Royal Capital Club, The ORB, The Royal Trust, The Royal Bank, The Royal Digital, The Royal Fund, and The Royal Market. Together they create unique synergies that give clients access to global opportunities, risk diversification, a focus on long-term sustainability, and a comprehensive suite of services.

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Products & Services

RIB Consultancy Services

Our advisory practice combines decades of cross-border experience, proprietary research and the full RCC Group ecosystem. Sector-specialised investment bankers deliver capital-structure planning, M&A and private-placement execution, benchmarking global macro trends, industry KPIs and company data to craft actionable strategies for corporates, sovereigns and UHNW clients. Recommendations are fully integrated with ROYAL INVESTMENT BANK’s regulated platforms, ensuring seamless “strategy-to-execution” delivery.

RIB Financial Services

We design complex financing solutions — underwriting and book-running equity or debt issues, leveraged and acquisition finance, syndicated loans and structured notes — that complement investment-banking mandates. End-to-end lending capabilities, deep investor relationships and in-house risk analytics allow us to build bespoke capital packages aligned with clients’ growth trajectories, providing certainty of funds and flawless market execution.

RIB Investment Management

We deliver conventional and Sharia-compliant investment solutions across collective schemes, customised mandates and alternative assets. Retail, corporate and institutional clients enjoy real-time portfolio visibility, regular performance reporting and access to exclusive deal-flow generated within the RCC Group network. Disciplined asset allocation, rigorous risk control and transparent fees underpin every mandate.

RIB Investment Fields

Our strategy focuses on diversification and targets seven core investment fields: FinTech & Software Solutions (RIFIN), Commodity Trade & Energy (RICE), Real Estate & Development (RIRED), Tech Parks (RITECH), Agro & Water Resources (RIECO), Medical Technologies & Solutions (RIMED) and Art & Alternative Investments (RIART). Each project aligns with the Group’s investment strategy, clears a multi-tier approval process with detailed due diligence, precise documentation, and a defined reporting scheme, ensuring disciplined capital deployment and full transparency.

RIB Treasury

The Treasury desk offers dealing services, delivering market-leading execution in FX, money-market instruments, fixed-income products, and tailored hedging solutions in cooperation with Royal OTC, a partner within the RCCG ecosystem. Benchmark pricing is continuously updated across global centres, while comprehensive market commentary equips clients to navigate volatility. Dedicated security-house coverage guarantees safe custody and settlement across jurisdictions.

RIB Credit & Trade Finance

Beyond advisory, we deliver a full suite of bank instruments , such as guarantees, letters of credit, project-finance vehicles, equity bridges and structured project financing. All solutions are custom-built for each client and, where required, documented in full compliance with Sharia law. These solutions unlock working capital, de-risk supply chains and accelerate project timelines without diluting shareholder value.

Hybrid Solutions (R-Bridge)

RIB is a founding pillar of R-Bridge, an RCC Group framework that fuses conventional banking, OTC platforms and regulated digital exchanges. The system enables frictionless conversion between fiat and Royal Stablecoins (REUR, RUSD, RXAU), each 1 : 1 backed and supervised by relevant regulators. Built on proprietary decentralised blockchain infrastructure, R-Bridge delivers near-instant settlement, full auditability and unrivalled client privacy.

RIB Islamic Banking

As a truly international institution, we offer Sharia-compliant products endorsed by an independent Sharia Board. Services cover sukuk origination, murabaha trade finance, ijarah leasing and fully halal portfolio management, all engineered for maximum client convenience while adhering to AAOIFI standards. This discipline promotes long-term sustainability and a safer banking environment for Islamic and conventional investors alike.

Client Services & Concierge

RIB clients access the wider RCC Group concierge network—personal assistants, global club lounges, curated deal introductions and invitation-only events. A single relationship manager orchestrates banking, lifestyle and investment needs, ensuring a seamless experience wherever our clients live, invest or travel.

Sky is the limit.
Grow with us.

Looking for a bank that truly cares about your wealth?

We provide experienced private bankers who will review your portfolio, set a tailored strategy, and give you full access to every opportunity within the RCCG ecosystem, keeping your assets one step ahead of the market.

Need a partner to accelerate your business growth?

We not only structure bespoke financing and supply financial instruments but also open cross-border networks and deliver first-class networking. Your business moves faster thanks to rapid, hybrid settlement via R-Bridge within the RCCG ecosystem.

Interested in joining an exclusive circle of like-minded investors?

RIB clients gain entry to RCCG’s private Royal Capital Club ("RCC"), which offers premium workspaces for high-level meetings, investor lounges, travel benefits, invitation-only events worldwide, educational programmes, and much more.

info@ribk.com.my

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