CTBC Bank bags nine wins at Asian Banking & Finance Awards 2025

It continues to lead Taiwan’s banking sector by leveraging behavioural insights, advanced AI, and a strong focus on personalised service.

CTBC Bank emerged victorious with major accolades at the Asian Banking & Finance Awards 2025 for firmly establishing itself as a leader in banking through a strategy rooted in artificial intelligence (AI) innovation, human-centred design, and cross-industry collaboration.

Guided by its vision “Support What You Think,” the bank has redefined financial services in Taiwan and has expanded its global footprint by delivering seamless, secure, and personalised banking experiences.

In 2024, CTBC served over 11 million customers and maintained its position as Taiwan’s top private and retail bank. It achieved notable performance across payment services, wealth management, and loan solutions. Its retail and private banking arms also witnessed robust growth, with assets under management surging 27% to NT$215b and wealth management fee revenue increasing by as much as 50%.

Building on this momentum, CTBC Bank’s Corporate and Investment Banking divisions also delivered outstanding results in 2024, during which the revenue performance has stably grown supported by the bank’s solid balance sheet. The bank continued to lead a strong market position across a diverse range of products, including cash, trade, trust, treasury & derivatives, loans, and private banking services.

In the cash business, strong deposit growth was paired with digital innovations like the API Connectivity Service and Global Pay Platform, enabling faster, seamless cross-border transactions. It ranked first in Taiwan’s factoring volume for the fifth year running and expanded its supply chain finance initiatives, including support for major green energy projects. The bank remained the largest local custodian with a leading market share and nearly 200 new trust deals. CTBC Bank held the top market share in terms of annual derivative transaction volume for the 20th consecutive year and continued to introduce new products personalised for clients’ investment and hedging needs.

CTBC Bank’s robust and well-structured risk management framework is also key to its solid foundation in FX business. It has consecutively maintained the top position per market share in terms of annual derivative transaction volume in Taiwan. By chairing the committee in the Bankers Association, it led to the development of local derivatives markets, with proactive engagement with regulators and peer banks.

Its global network across 11 countries enables CTBC Bank to meet clients’ cross-border needs. The bank is able to offer NDFs for various currencies for clients to lock in future exchange rates. It also established a regional task force to address specific client needs of RMB solutions across the region.

Additionally, CTBC Bank is the only Taiwanese bank developing and implementing its in-house treasury system. The roll-out plan, which was continued in 2024, significantly enhanced the risk management capabilities and FX service quality in the local market, leading to a significant increase in client FX transaction volumes last year.

Central to its success in the past year is its comprehensive AI strategy, which combines “Scale Mode Expansion” for cross-subsidiary expansion and “Value Mode Cultivation” for internal process optimisation. With a dedicated team of over 200 AI and technology experts, the bank has executed more than 100 AI projects in areas such as fraud prevention, risk management, compliance, and customer engagement.

Amongst its flagship innovations is the AI Skynet Project, which has revolutionised fraud prevention through real-time risk decisioning and dynamic security protocols. This initiative has increased fraud detection accuracy eightfold, reduced fraudulent accounts by 60%, and intercepted over 3,300 fraudulent cases, saving more than NT$40m.

Further demonstrating leadership in security and collaboration, CTBC has also spearheaded the creation of Taiwan’s first AI fraud alliance, promoting industry-wide intelligence sharing and raising standards for digital safety.

Another innovation that the bank takes pride in the AI realm is its “AI-Driven Smart Digital Currency Exchange Journey.” This initiative enhances customer experience across three stages: predicting needs, delivering personalised support during currency exchanges, and monitoring rates post-transaction.

As a result of this solution, online exchange revenue has risen by 23%, and CTBC’s app has earned industry-leading ratings. Features like Smart Exchange Rate Notifications, Generative AI messaging, and scenario-based communications have also improved customer engagement and financial literacy.

Other AI-powered tools launched by the bank in the past year include the Robo-Advisor, which enables personalised investment portfolios using over 2,000 mutual funds with intelligent monitoring and recommendations, as well as the Insurance Navigator, which automates policy management with AI-driven reminders and tailored advice.

Meanwhile, CTBC has also embedded ESG principles into its operations, offering paperless banking services and carbon footprint tracking tools to promote environmental sustainability. Its blockchain-based Early Payment Programme has further enhanced transparency and efficiency across financial ecosystems.

Tailored for large manufacturers, the system includes enterprise resource planning integration, process automation, and robust cybersecurity. It lets buyers pay suppliers early without using their own capital, reducing suppliers' needs for loans.

CTBC Bank launched its flagship CTBC Links 2.0, a next-generation API-based solution supporting real-time, ISO 20022-compliant bulk payments. It meets the client's demand for secured and seamless operations. As the only Taiwan-based bank to establish a direct API connection with this major global client, CTBC Bank joined a select group as one of just four banking partners worldwide.

Within just four months, CTBC delivered a secure API solution enabling direct ERP-to-bank connectivity with no intermediate data landing. A dedicated API library was also provided to accelerate integration of digital signature and encryption processes, enhancing both implementation efficiency and transaction security. Since the launch, a substantial volume of the client’s payment transactions has been routed through CTBC, reinforcing CTBC’s position as a digital-first leader in enterprise banking.

Project Trinity stands as a groundbreaking achievement in Taiwan's Offshore Wind (OSW) sector. As the first project to integrate Taiwan's National Credit Guarantee Administration (NCGA) into offshore wind project financing, the deal broke new ground by enabling participation from three state-owned banks and leading to Cathay Life Insurance's first OSW investment.

The success of Project Trinity, supported by strong local and international lender participation, established a strong foundation for Taiwan’s Round 3 offshore wind projects and marked a key step toward the nation’s 5.7GW offshore wind goal by 2025.

Through AI, blockchain, digital integration, and ESG-aligned innovation, the firm transforms traditional banking into a secure, efficient, and customer-centric digital experience.

CTBC Bank’s success has been widely recognised in the awards programme, taking home the Digital Banking Award - Taiwan at the Asian Banking & Finance Fintech Awards 2025, Domestic Retail Bank of the Year - Taiwan and Private Bank of the Year - Taiwan at the Asian Banking & Finance Retail Banking Awards 2025, and the Corporate & Investment Bank of the Year - Taiwan at the Asian Banking & Finance Corporate & Investment Banking Awards.

The bank’s excellence in serving corporate clients also earned it recognition in the Taiwan Domestic Foreign Exchange Bank of the Year category of the Asian Banking & Finance Wholesale Banking Awards 2025.

Meanwhile, its AI-Driven Smart Digital Currency Exchange Journey initiative has also bagged the Digital Currency Award - Taiwan in the Asian Banking & Finance Fintech Awards, whilst the AI Skynet solution was recognised as the Fraud Initiative of the Year - Taiwan in the Asian Banking & Finance Retail Banking Awards. CTBC’s Links 2.0 was also recognised as the Corporate Client Initiative of the Year – Taiwan, whilst Project Trinity earned the Green Deal of the Year – Taiwan at the Asian Banking & Finance Corporate & Investment Banking Awards.

The Asian Banking & Finance Awards honours the most outstanding retail, wholesale, and corporate & investment banks, as well as financial technology companies, recognising their exceptional performance, innovation, and excellence across the region.

The  Asian Banking & Finance Awards and ABF Fintech Awards are presented by Asian Banking & Finance Magazine. To view the full list of winners, click here. If you want to join the 2026 awards programme, please contact Julie Anne Nuñez-Difuntorum at [email protected].