The Best Digital Finance Institution

2018 Ant Financial Services Group (China)  

The Best Retail Bank in Asia Pacific

The highest award for retail financial services in the Asia Pacific region. Retail players have to outperform not only national competitors, but also regional peers in the overall scorecard

2018 China Merchants Bank (China)
2017 Shinhan Bank (Korea)
2016 DBS (Singapore)
2015 Westpac (Australia)
2013 Standard Chartered Bank (Hong Kong)
2012 Standard Chartered Bank (Hong Kong)
2011 Commonwealth Bank of Australia
2010 Commonwealth Bank of Australia
2009 Public Bank (Malaysia)
2008 HSBC (Hong Kong)
2007 Westpac Banking Corp (Australia)
2006 Hang Seng Bank (Hong Kong)
2005 HSBC (Hong Kong)
2004 Standard Chartered Bank (Singapore)

The Best Retail Bank in the Middle East

The highest award for retail financial services in the Middle East, which currently comprises six countries - Saudi Arabia, UAE, Kuwait, Qatar and Bahrain and Oman. Retail players have to outperform not only national competitors, but also regional peers.

2018 Emirates NBD (UAE)
2015 Emirates NBD (UAE)
2012 Abu Dhabi Commercial Bank (UAE)
2011 Al Rajhi Bank (KSA)
2010 Abu Dhabi Commercial Bank (UAE)
2009 Abu Dhabi Commercial Bank (UAE)
2008 Al Rajhi Bank (KSA)
2007 Al Rajhi Bank (KSA)

The Best Retail Bank in Central Asia

The highest award for retail financial services in Central Asia. Retail players have to outperform not only national competitors, but also regional peers.

2012 Demir Bank (Kyrgyz Republic)  
2010 AsiaUniversalBank (Kyrgyz Republic)
2009 AsiaUniversal Bank (Kyrgyz Republic)
2008 Halyk Savings Bank of Kazakhstan (Kyrgyz Republic)
2007 Halyk Savings Bank of Kazakhstan (Kyrgyz Republic)  

The Best Retail Bank in Africa

2018 not placed  
2017 Nedbank (South Africa)  
2016 First Bank of Nigeria (Nigeria)  
2015 Nedbank (South Africa)  
2014 Standard Bank (South Africa)  
2013 ABSA (South Africa)  
2012 ABSA (South Africa)

The Best Digital Bank

2018 Kakao Bank (Korea)  
2017 Shinhan Bank (Korea)
2016 Jibun Bank (Japan)  
2015 Rakuten Bank (Japan)  
2014 not awarded  
2013 not awarded  
2012 Rakuten Bank (Japan)  
2011 Rakuten Bank (Japan)  
2010 Japan Net Bank (Japan)  

The Best Digital Bank in Africa

2018 ‘ALAT’ by Wema (Nigeria)  

The Best Digital Bank in Asia Pacific

2018 Kakao Bank (Korea)  
2017 Shinhan Bank (Korea)  

The Best Digital Bank in Middle East

2018 "Liv" by Emirates NBD (UAE)  

The Best Small Business Bank

2018 OCBC (Singapore)  
2017 UOB (Singapore)
2016 UOB (Singapore)
2015 Alliance Bank (Malaysia)
2014 China Merchants Bank (China)
2013 Alliance Bank (Malaysia)
2012 OCBC (Singapore)
2011 UOB (Singapore)
2010 ICICI (India)
2009 HSBC (Hong Kong)
2008 Kasikornbank (Thailand)
2007 Kasikornbank (Thailand)
2006 HSBC (Hong Kong)

The Best Retail Bank in China

The highest award for retail financial services in China. China has been treated as a region on its own since 2005. Retail players have to outperform all peers in the country.

2018 China Merchants Bank
2017 China Merchants Bank  
2016 China Merchants Bank
2015 China Merchants Bank  
2014 China Merchants Bank
2013 Industrial and Commercial Bank of China  
2012 China Merchants Bank
2011 Industrial and Commercial Bank of China

The Best Regional Retail Business in the Asia Pacific

Awards the best institution that has a retail presence in more than three Asia Pacific countries.

2014 HSBC
2013 HSBC
2012 Standard Chartered Bank  
2011 Citibank
2010 Citibank
2009 HSBC
2008 Standard Chartered Bank
2007 HSBC  
2005 Citibank  

The Most Improved Retail Bank in Asia Pacific, Middle East and Africa

Acknowledges the best improved franchise that has made a successful transformation into a full-fledged retail banking franchise

2018 Ping An Bank (Asia Pacific)
2017 China CITIC Bank (Asia Pacific)
2016 Security Bank (Asia Pacific)
2015 Asia Commercial Bank (Asia Pacific)
2015 Ahli Bank of Kuwait (Middle East)
2015 Barclays Africa (Africa)
2014 Mashreq Bank (Middle East)
2014 Nedbank (Africa)
2013 NAB (Asia Pacific)
2012 Panin Bank (Asia Pacific)
2010 Maybank (Asia Pacific)

Australia

2018 Westpac
2017 Westpac
2016 Westpac  
2015 Westpac
2014 CBA
2013 CBA
2012 CBA
2011 CBA
2010 CBA
2009 ANZ
2008 ANZ
2007 Westpac  
2006 CBA  

Bangladesh

2018 Eastern Bank
2017 Eastern Bank
2016 Eastern Bank
2015 Eastern Bank
2014 Eastern Bank
2013 Eastern Bank
2012 Standard Chartered Bank
2011 BRAC Bank
2010 Sonali Bank  
2009 Janata Bank
2008 Standard Chartered Bank
2007 Sonali Bank  
2006 Sonali Bank  

Brunei

2018 BIBD
2017 BIBD
2016 BIBD
2015 BIBD
2014 BIBD
2013 BIBD
2012 Baiduri Bank
2011 HSBC  
2010 Standard Chartered Bank  
2009 Standard Chartered Bank
2008 Standard Chartered Bank
2007 HSBC  
2006 HSBC  
2005 HSBC  
2004 HSBC  

China

2018 Best Retail Bank - China Merchants Bank
• Best Mega Retail Bank in China - China Construction Bank
• Best Joint Stock Retail Bank - China Merchants Bank
• Best City Commercial Retail Bank - Bank of Beijing  
• Most Improved Retail Bank in China - Ping An Bank  
2017 Best Retail Bank - China Merchants Bank  
  • Best Mega Retail Bank - China Construction Bank  
  • Best Joint Stock Retail Bank - China Merchants Bank  
  • Best City Commercial Retail Bank - Bank of Beijing
  • Most Improved Retail Bank - China CITIC Bank
     
2016 Best Retail Bank - China Merchants Bank
  • Best Mega Retail Bank - China Construction Bank
  • Best Joint Stock Retail Bank - China Merchants Bank  
  • Best City Commercial Retail Bank - Bank of Beijing  
  • Most Improved Retail Bank -China CITIC Bank  
     
2015 Best Retail Bank - China Merchants Bank  
  • Best Large-Scale Retail Bank - China Construction Bank
  • Best Joint Stock Retail Bank - China Merchants Bank  
  • Best City Commercial Retail Bank - Bank of Beijing  
  • Most Improved Retail Bank -Bank of Shanghai  
     
2014 Best Retail Bank - China Merchants Bank  
  • Best Joint Stock Retail Bank - China Merchants Bank
  • Best City Commercial Retail Bank - Bank of Beijing
  • Best Foreign Retail Bank - HSBC
  • Best Large-scale Retail Bank - ICBC
     
2013 Best Retail Bank - ICBC
  • Best Large-scale Retail Bank - ICBC
  • Best Joint Stock Retail Bank - China Merchants Bank  
  • Best City Commercial Retail Bank - Bank of Beijing  
  • Best Foreign Retail Bank - HSBC
     
2012 Best Retail Bank - China Merchants Bank
  • Best Joint Stock Retail Bank - China Merchants Bank
  • Best City Commercial Retail Bank - Bank of Beijing
  • Best Foreign Retail Bank - HSBC
  • Best Large-scale Retail Bank - ICBC  
     
2011 Best Retail Bank - Industrial and Commercial Bank of China
  • Best Large-Scale Retail Bank - Industrial and Commercial Bank of China
  • Best Joint Stock Retail Bank - China Merchants Bank  
  • Best City Commercial Retail Bank - Bank of Beijing
  • Best Foreign Retail Bank - HSBC China
     
2010 Best Retail Bank - Industrial and Commercial Bank of China
  • Best Large-Scale Retail Bank - Industrial and Commercial Bank of China
  • Best Joint Stock Retail Bank - China Merchants Bank
  • Best City Commercial Retail Bank - Bank of Beijing
  • Best Foreign Retail Bank - HSBC China
     
2009 Best Retail Bank - China Merchants Bank
  • Best Mega Retail Bank - Industrial and Commercial Bank of China
  • Best Joint Stock Retail Bank - China Merchants Bank
  • Best City Commercial Retail Bank - Bank of Beijing
  • Best Foreigh Retail Bank - HSBC
     
2008 Best Retail Bank - Industrial and Commercial Bank of China  
  • Best Mega Retail Bank - Industrial and Commercial Bank of China  
  • Best Joint Stock Retail Bank - China Merchants Bank  
  • Best City Commercial Retail Bank - Bank of Shanghai  
  • Best Foreign Retail Bank - Standard Chartered Bank
     
2007 Best Retail Bank - China Merchants Bank  
  • Best State-Owned Retail Bank- Industrial and Commercial Bank of China  
  • Best Joint Stock Retail Bank- China Merchants Bank  
  • Best City Commercial Retail Bank- Bank of Shanghai  
  • Best Foreign Retail Bank- Bank of East Asia (Hong Kong)  
     
2006 Best Retail Bank - China Merchants Bank  
  • Best Retail Bank (State-owned) - Industrial and Commercial Bank of China  
  • Best Joint Stock Retail Bank - China Merchants Bank  
  • Best City Commercial Bank - Bank of Shanghai  
  • Best Foreign Bank - HSBC (China)  
     
2005 Best Retail Bank - Industrial and Commercial Bank of China  
  • Best Joint Stock Retail Bank in China - China Merchants Bank  
     
2004 Best Retail Bank - Industrial and Commercial Bank of China  

Hong Kong

2018 Bank of East Asia
2017 Standard Chartered Bank
2016 Bank of China
2015 Bank of China
2014 Standard Chartered Bank
2013 Standard Chartered Bank
2012 Standard Chartered Bank  
2011 HSBC
2010 HSBC
2009 Hang Seng Bank
2008 HSBC
2007 HSBC  
2006 Hang Seng Bank  
2005 HSBC  
2004 Standard Chartered Bank  
2003 HSBC  

India

2018 ICICI Bank
2017 ICICI Bank  
2016 ICICI Bank  
2015 ICICI Bank
2014 ICICI Bank
2013 HDFC Bank  
2012 HDFC Bank
2011 not awarded  
2010 not awarded  
2009 HDFC Bank
2008 HDFC Bank
2007 HDFC Bank  
2006 ICICI Bank  
2005 ICICI Bank  
2004 ICICI Bank  
2003 ICICI Bank  

Indonesia

2018 Bank Central Asia
2017 Bank Central Asia
2015 Bank Mandiri
2014 Bank Central Asia
2013 Bank Central Asia
2012 Bank Central Asia  
2011 Bank Central Asia
2010 Bank Mandiri
2009 Bank Central Asia
2008 Bank Central Asia
2007 Bank Central Asia  
2006 Bank Central Asia  
2005 Bank Central Asia  
2004 Bank Central Asia  
2003 Lippo Bank  

Japan

2018 • The Best Digital Bank - Rakuten Bank
2017 Best Mega Retail Bank - Bank of Tokyo-Mitsubishi UFJ
  • Best Regional Commercial Retail Bank - Resona Bank  
  • Best Digital Only Retail Bank - Jibun Bank
2012 Sumitomo Mitsui Banking Cooperation  
2011 Sumitomo Mitsui Banking Corporation
2010 Shinsei Bank
2009 Shinsei Bank
2008 Mizhuo Bank
2007 Sumitomo Mitsui Banking Corporation  
2006 Shinsei Bank  
2005 Shinsei Bank  
2004 Citibank  

Korea

2018 KEB Hana Bank
2017 Shinhan Bank
2016 Shinhan Bank
2015 Shinhan Bank
2014 Shinhan Bank
2013 Shinhan Bank
2012 Shinhan Bank  
2011 Hana Bank  
2010 Shinhan Bank
2009 Shinhan Bank
2008 Kookmin Bank
2007 Kookmin Bank  
2006 Kookmin Bank  
2005 Kookmin Bank  
2004 Kookmin Bank  
2003 Kookmin Bank  

Malaysia

2018 CIMB Bank
2017 CIMB Bank
2016 Public Bank  
2015 Maybank
2014 Maybank
2013 Maybank
2012 Public Bank
2011 Maybank
2010 Public Bank
2009 Public Bank
2008 Public Bank
2007 HSBC  
2006 Public Bank  
2004 Public Bank  
2003 Citibank  

New Zealand

2015 Westpac New Zealand  

Pakistan

2018 Habib Bank
2017 Habib Bank
2016 Habib Bank
2015 Habib Bank
2014 National Bank of Pakistan  
2013 Habib Bank
2012 Habib Bank  
2011 Allied Bank
2010 United Bank  
2009 Muslim Commercial Bank
2008 Standard Chartered Bank
2007 Standard Chartered Bank  
2006 Askari Commercial Bank  
2005 Askari Commercial Bank  
2004 Askari Commercial Bank  

Philippines

2018 Security Bank
2017 BDO Unibank
2016 BDO Unibank  
2015 Bank of the Philippine Islands  
2014 Bank of the Philippine Islands
2013 BDO Unibank
2012 BDO Unibank  
2011 Bank of the Philippine Islands
2010 Bank of the Philippine Islands
2009 Bank of the Philippine Islands
2008 Bank of the Philippine Islands
2007 Bank of the Philippine Islands  
2006 Bank of the Philippine Islands  
2005 Bank of the Philippine Islands  
2004 Bank of the Philippine Islands  
2003 Bank of the Philippine Islands  

Singapore

2018 DBS
2017 DBS
2016 DBS
2015 DBS
2014 UOB
2013 OCBC
2012 UOB  
2011 UOB
2010 OCBC
2009 OCBC
2008 Citibank
2007 DBS  
2006 DBS  
2005 DBS  
2004 DBS  

Sri Lanka

2018 Hatton National Bank
2017 Hatton National Bank
2016 Hatton National Bank
2015 Hatton National Bank
2014 Standard Chartered Bank
2013 Hatton National Bank
2012 Hatton National Bank
2011 Hatton National Bank
2010 Hatton National Bank
2009 Hatton National Bank
2008 Hatton National Bank
2007 Standard Chartered Bank  
2006 HSBC  

Taiwan

2018 CTBC  
2017 CTBC
2016 CTBC
2015 CTBC
2014 CTBC  
2013 Chinatrust Commercial
2012 Chinatrust  
2011 Chinatrust Commercial  
2010 Citibank
2009 Cathay United Bank
2008 Chinatrust Commercial
2007 Taishin International  
2006 Taishin International  
2005 Chinatrust Commercial  
2004 Chinatrust Commercial  
2003 Chinatrust Commercial  

Thailand

2018 Kasikornbank
2017 Kasikornbank
2016 Kasikornbank  
2015 Kasikornbank
2014 Kasikornbank
2013 Kasikornbank
2012 Kasikornbank  
2011 Kasikornbank
2010 Kasikornbank
2009 Siam Commercial Bank
2008 Siam Commercial Bank
2007 Siam Commercial Bank  
2006 Siam Commercial Bank  
2005 Siam Commercial Bank  
2004 Bangkok Bank  
2003 Bangkok Bank  

Vietnam

2018 BIDV
2017 BIDV  
2016 BIDV  
2015 BIDV
2014 Vietcombank
2013 ANZ
2012 Sacombank  
2011 Sacombank  
2010 Sacombank
2009 ANZ
2008 ANZ
2007 HSBC  
2006 ACB  
2005 ANZ  
2004 ANZ  

Bahrain

2018 not awarded  
2017 Ahli United Bank
2016 not awarded  
2015 not awarded  
2014 Standard Chartered Bank Bahrain
2013 Ahli United Bank  
2012 not awarded  
2011 National Bank of Bahrain  

Kuwait

2018 Al Ahli Bank of Kuwait
2017 Al Ahli Bank of Kuwait
2016 Al Ahli Bank of Kuwait
2015 Gulf Bank
2014 Kuwait Finance House  
2013 Gulf Bank
2012 not awarded  
2011 Gulf Bank  
2010 Kuwait Finance House  
2009 Kuwait Finance House
2008 Kuwait Finance House
2007 Gulf Bank  

Lebanon

2018 BLOM Bank
2017 BLOM Bank

Oman

2017 National Bank of Oman
2014 Bank Muscat  
2013 National Bank of Oman

United Arab Emirates

2018 Emirates NBD
2017 Emirates NBD  
2016 ADCB
2015 ADCB
2014 ADCB  
2013 Emirates NBD
2011 ADCB  
2010 ADCB
2009 ADCB
2008 ADCB
2007 National Bank of Dubai  

Qatar

2018 Commercial Bank of Qatar
2017 Commercial Bank of Qatar
2016 Qatar National Bank
2015 Commercial Bank of Qatar
2014 Doha Bank  
2013 Commercial Bank of Qatar
2011 Qatar National Bank
2009 Qatar National Bank
2008 Qatar National Bank
2007 Commercial Bank of Qatar  

Saudi Arabia

2018 not awarded  
2017 Alawwal Bank
2015 Samba Financial Group
2014 Samba Financial Group  
2013 Samba Financial Group
2011 Al Rajhi Bank  
2010 Samba Financial Group
2009 Al Rajhi Bank
2008 Al Rajhi Bank
2007 Al Rajhi Bank  

Republic of Kazakhstan

2013 Halyk Bank  
2011 Kazkommertsbank  
2010 Halyk Bank  
2008 Halyk Savings Bank

Kyrgyz Republic

2013 Demir bank
2011 Demir Bank
2010 AsiaUniversalBank
2009 AsiaUniversalBank
2008 AsiaUniversalBank

Kenya

2018 not awarded  
2017 not awarded  
2016 not awarded  
2015 Barclays Bank
2014 Equity Bank  
2013 Kenya Commercial  
2012 Kenya Commercial Bank  
2011 Barclays Bank  

Ghana

2015 Ecobank Ghana

Nigeria

2018 First Bank of Nigeria  
2017 not awarded  
2016 not awarded  
2015 First Bank of Nigeria
2014 First Bank of Nigeria  
2013 First Bank of Nigeria  
2012 First Bank of Nigeria  
2011 First Bank of Nigeria  

South Africa

2018 not awarded  
2017 Nedbank
2016 Barclays Africa  
2015 Nedbank
2014 Standard Bank
2013 Standard Bank  
2012 Absa Bank  
2011 Absa Bank

Tanzania

2015 NBC Tanzania

Zambia

2018 not awarded  
2017 Barclays Bank Zambia

Jordan

2018 not awarded
2017 not awarded
2016 not awarded
2015 not awarded
2014 Arab Bank
2013 Arab Bank
2011 Housing Bank for Trade and Finance
2010 Arab Bank

The Deposit Product of the Year

We believe that the deposits business is a demonstration of an institution's strength in terms of franchise and retail distribution channels, as well as its proximity to customers and their ability to effectively sell a wide range of new and existing products in the local marketplace.

2018 Standard Chartered Bank (Singapore) "MyWay Savings Account"  
2017 UOB (Singapore) ‘ONEAccount’  
2016 OCBC (Singapore) ‘360Account’  
2015 Barclays (Kenya) ‘Zidisha Bonus Savings Account’  
2014 ANZ (Singapore)"Instant Interest Time Deposit"  
2013 Standard Chartered Bank (Hong Kong)
2012 Standard Chartered Bank (Hong Kong)  
2011 Commonwealth Bank of Australia
2010 Commonwealth Bank of Australia
2009 Public Bank (Malaysia)
2008 HSBC (Hong Kong)
2007 Westpac Banking Corp (Australia)  
2006 Hang Seng Bank (Hong Kong)  
2005 HSBC (Hong Kong)  
2004 Standard Chartered Bank (Singapore)  

The Retail Payments Product of the Year

We believe that a successful retail payments project or product is one that enables real-time or offline, secure and end-to-end completion of low-value transactions for the largest possible number of customers and issues.

2018 not awarded
2017 not awarded
2016 not awarded
2015 not awarded
2014 BPI My e-prepaid MasterCard
2013 'Mobile PayWay', Westpac ( Australia)
2011 Standard Chartered (Singapore)

The Consumer Finance Product of the Year

We believe that consumer finance is a highly effective entry-level customer acquisition platform, but is successful only when a percentage of customers bring on board on and offline their re-current and long-term revolving credit, deposits and consumer finance relationship with low delinquency costs.

2018 China Merchants Bank (China) ‘ Flash Loan 2.0’  
2017 Vietnam Prosperity Bank (Vietnam)
2016 Krung Sri Bank (Thailand)
2015 not awarded
2014 Emirates NBD (UAE) ‘Borrow Wisely’
2013 OCBC (Singapore) ‘EasyCredit’
2012 Adira Finance (Indonesia)
2011 Commonwealth Bank of Australia
2008 Citifinancial (Hong Kong)
2007 Citifinancial (India)
2006 GE Money (Singapore)

The Credit Card Product of the Year

We believe that credit cards are highly effective customer acquisition platforms that must demonstrate the ability to convert its base into sticky and active users with low delinquency, supported by a robust analytics-based marketing and loyalty programme.

2018 Taishin International (Taiwan) ‘@GoGo Card’  
2017 Standard Chartered Bank (Hong Kong) ‘Asia Miles MasterCard ‘
2016 ANZ (Singapore) ‘Optimum World Mastercard’
2015 Taishin International (Taiwan) ‘The Rose Card’
2014 Citibank (Singapore) ‘Citi PremierMiles Card’
2013 HSBC (Hong Kong)
2012 Absa Bank (South Africa)
2011 Citibank (Australia)
2010 Bank Mandiri (Indonesia)
2009 United Overseas Bank (Singapore)
2008 Westpac (Australia)
2007 Citibank (Singapore)
2006 Taishin International Bank (Taiwan)
2005 Union Bank of the Philippines (Philippines)
2004 RHB Bank Berhad (Malaysia)
2003 Citibank (India)

The Automobile Lending Product of the Year

We believe that leaders in the automobile finance business are defined by their distribution model, be it digital, direct or agency driven, and the capability to acquire customers through market leading turnaround time and quality service, and whose assets demonstrate strong risk management over several market cycles.

2018 Ping An Bank (China) ‘Ping An Car Loans’  
2017 Emirates NBD (UAE)
2016 Metrobank (Philippines)
2015 Emirates NBD (UAE)
2014 Maybank (Malaysia)
2013 Maybank (Malaysia)
2012 DBS (Singapore)
2011 Public Bank (Malaysia)
2010 not awarded
2009 Public Bank (Malaysia)
2008 Maybank (Malaysia)
2007 AmBank (Malaysia)
2006 ICICI Bank (India)
2005 BPI (Philippines)

The Mortgage and Home Loan Product of the Year

We believe that a strong mortgage business is denoted by market share, volume and number of customers, ability to maintain spreads over economic cycles, strong customer equity portfolio and low delinquencies, supported by strong origination and customer support capabilities to achieve a profitable portfolio.

2018 Bank SinoPac (Taiwan) ‘Feng Yun Mortgage’
2017 China Merchants Bank (China) ‘Cloud Mortgage’
2016 CTBC (Taiwan)‘Housing Finance Management’
2015 State Bank of India (India)
2014 Taishin Bank(Taiwan)
2013 NAB (Australia)
2012 Bank Negara Indonesia
2011 ANZ (Vietnam)
2010 Siam Commercial Bank (Thailand)
2009 Kasikornbank (Thailand)
2008 Bank of China (China)
2007 Standard Chartered Bank (Hong Kong)
2006 E.SUN (Taiwan)
2005 Korea First Bank (Korea)

The Remittance Product and Service of the Year

We believe that remittance services require the execution of large volumes of instantaneous global transfers for low value transactions at the lowest possible per transaction cost that is passed on as a value proposition to the largest number of customers possible.

2018 Transferwise
2017 WorldRemit
2016 MoneyGram
2015 MoneyGram
2014 DBS Remit(Singapore)
2013 ICICI Bank (India)
2011 Banco de Oro (Philippines)
2010 Western Union (Asia Pacific)
2009 Western Union (Asia Pacific)
2008 ICICI Bank (India)
2007 ICICI Bank (India)

The Digital Lending Product of the Year

We believe that a digital ¬ lending product incorporates innovative models in enhancing loan origination and decisioning, risk profile assessment, sourcing capital, while also providing a seamless experience to customers across a wide range of income segments.

2018 Yirendai (China)  

The Digital Wallet of the Year

2018 Tencent Financial Technologies (China) ‘WeChat Pay’  

The Business Model of the Year

We believe that successful business model is one that demonstrated sustainable revenue enhancement and diversification strategies. In doing so, it recognises innovative programmes to serve new or underserved customer segments utilising new or re-engineered products delivered through new or re-engineered delivery channels.

2018 WeLab (Hong Kong)  

The Best API Initiative, Application or Programme

We believe that open application programming interfaces (APIs) are able to create powerful synergies between an institution's products and service propositions and its customers, exposing data and services externally and internally, to partners and mobile devices. Complete API management platforms are also able to maximise business value and deliver APIs that developers and business owners will support.

2018 Taishin International (Taiwan) ‘TOCP and APPOS’  

The Best Robo Advisory Platform

We believe that successful automated adivsory platform is not only able to onboard customers into wealth management services in the most cost efficient and convenient way, but would also able to create new forms of customer value around advisory.

2018 China Merchants Bank (China) ‘MachineGen’

The Best Automated Chatbot Initiative, Application or Programme

We believe that successful chatbot services are not only able to interact with customers via multi lingual text and voice interfaces but offer highly relevant cost efficient proprietary services to its customers on top of a generic AI engine

2018 E.SUN Commercial Bank (Taiwan) ‘Chatbot Financial Advisor’  

The Best Blockchain Initiative, Application or Programme

We believe that the best blockchain initiative, application or programme offers innovative use cases allowing network participants to do business in a direct, cost efficient manner.

2018 KEB Hana Bank (Korea) ‘ The Global Loyalty Network (GLN)’  

The Best Digital Brand Initiative, Application or Programme

The Asian Banker assesses the institution’s efforts to create a strong digital brand identity to build consumer mind share, persuade and realistically demonstrate the brand’s relevance to a customer’s daily life

2018 ICBC (China) "Xiaobai"  

The Best Digital Compliance Initiative, Application or Programme

The best digital compliance initiative, application and programme effectively identifies, owns, manages and mitigates ethics and compliance risk in critical areas such as digital onboarding, e-KYC , authentication and identification of clients.

2018 Maybank (Malaysia ) ‘Digital Account Opening’

The Best Digital Customer Centric Sales Initiative, Application or Programme

The best digital compliance initiative, application and programme effectively identifies, owns, manages and mitigates ethics and compliance risk in critical areas such as digital onboarding, e-KYC , authentication and identification of clients.

2018 Alliance Bank (Malaysia) ‘BizSmart’

The Best Credit Evaluation Initiative, Application or Programme

The best digital compliance initiative, application and programme effectively identifies, owns, manages and mitigates ethics and compliance risk in critical areas such as digital onboarding, e-KYC , authentication and identification of clients.

2018 UOB (Singapore) ‘Project G2’  

The Best CyberRisk Management Initiative, Application or Programme

We believe a successful cyber security risk management initiative must continuously address the evolving risks by demonstrating, on an enterprise level, the ability to identify and prevent instances of cyber frauds, thefts and intrusions to the bank’s network or systems while ensuring smooth and safe operations of the institutions.

2018 no qualifier  

The Best Data Analytics Initiative, Application or Programme

We believe that the application of data and analytics must demonstrate the ability to convert actionable information, gained from collecting, processing and analysing large data sets into, real business drivers, making an impact on the banks top and bottom line growth.

2018 WeLab (Hong Kong)

The Best Digital Distribution Network Initiative, Application or Programme

We believe that the best distribution network are designed to maximising the scope of an institution's footprint through physical and digital channels to serve the transactional, advisory and product needs of the largest numbers of visitors in the most cost efficient manner, using both human and automated devices consistent with their brands.

2018 Bank of East Asia (Hong Kong)  

The Best Digital Employee Engagement Initiative, Application or Programme

We believe that a well-run insitution builds inclusive workplace environments where flexibility, diversity and value-based behaviour is celebrated and rewarded to create a highly engaged digital front line workforce. The areas of assessment are: employee development, employee engagement (internal), performance/reward structure and employee involvement (external).

2018 Taishin International (Taiwan) ‘Triple E Model’  

The Best IoT Initiative, Application or Programme

The best IoT initiative, application or programme creates elevated client engagement by meshing IoT with other emerging technologies to create powerful value propositions for new and existing clients, autonomous agents and market places.

2018 no qualifier  

The Best Productivity, Efficiency and Automation Initiative, Application or Programme

The best IoT initiative, application or programme creates elevated client engagement by meshing IoT with other emerging technologies to create powerful value propositions for new and existing clients, autonomous agents and market places.

2018 CIMB Bank (Malaysia)

The Best Digital Retail Operational Risk Initiative, Application or Programme

We believe that a bank with a successful retail credit and operational risk management possesses: (a) an excellent on and off balance sheet position demonstrated by exceptional key credit risk ratios, and (b) processes for risk assessment, risk decision-making and risk control implementation to ensure proper measurement and mitigation of operational risk.

2018 ICICI Bank (India) ‘RISE’  

The Best Frictionless Financial Inclusion Initiative, Application or Programme

We believe that a financial inclusion initiative, application or programme brings in more consumers into the financial system by providing alternative and innovative solutions to underserved segments in which credit and financial products are limited.

2018 Paytm  Payments Bank (India)  
2017 Hatton National Bank (Sri Lanka)  
2016 Bank Rakyat Indonesia  
2015 Bank Rakyat Indonesia  
2014 ICICI Bank (India)  
2013 Bank Rakyat Indonesia  
2012 Equity Bank (Kenya)  
2011 not awarded  
2010 State Bank of India (India)  
2009 not awarded  
2008 Bank Rakyat Indonesia  

The Best Frictionless Internet Banking Initiative, Application or Programme

We believe that the best Internet banking capability is one that enables customers to access information, conduct transactions or purchase financial products and services in the most intuitive and secure manner possible that is consistent with the lifestyle needs of the target customer, while at the same time enabling the bank to communicate its messages.

2018 Emirates NBD (UAE)
2017 CIMB Bank (Malaysia)
2016 Westpac (Australia)
2015 ICICI Bank (India)
2014 HSBC (Australia)
2013 Standard Chartered Bank (Singapore)
2012 ICBC (China)
2011 HSBC (Hong Kong)
2010 Citibank (India)
2009 Commonwealth Bank of Australia
2008 HSBC (Hong Kong)
2007 CTBC (Taiwan)
2006 Shinsei Bank (Japan)
2005 Bank of  East Asia (Hong Kong)

The Best Frictionless Mobile Initiative, Application or Programme

The best mobile initiative, application or programme offers a wide range of relevant functionalities and financial and non financial features to acquire a maximum number of active users while ensuring high-level security and outstanding user experience.

2018 DBS (Singapore) ‘POSB Smart Buddy’

The Best Frictionless Mobile Payments Service

We believe that the best mobile payments service is one that demonstrates the use of the full range of current mobile device technologies for financial transactions and services, in the most intuitive and secure manner possible.

2018 Paytm Payments Bank (India)  
2017 China Merchants Bank (China)  
2016 Emirates NBD (UAE)  
2015 not awarded  
2014 OCBC (Singapore) ‘Money In$ights’  
2013 KEB Hana Bank (Korea) ‘ N-Wallet’  
2012 Commonwealth Bank of Australia  
2011 Absa Bank (South Africa)  
2010 BPI (Philippines)  
2009 Kasikornbank (Thailand)  
2008 OCBC (Singapore)  
2007 Sumitomo Mitsui Banking Corp (Japan)  

The Best Frictionless Network Integration

A successful network integration is one that demonstrates efforts to integrate a diverse mix of network points to deliver services and products in the most consistent and unified manner possible, driven by business Intelligence, real-time data management, CRM, cross-channel implementation and channel cooperation.

2018 JD Finance (China)

The Best Frictionless Social Media Initiative, Application or Programme

We believe that a successful social media initiative application or programmes engage in new ways of communication, and the distribution of financial services and products to create not only trust, responsiveness and loyalty but also better leads generation and conversion of new customers.

2018 HDFC Bank (India) ‘Bank OnChat’
2017 Taishin International (Taiwan)
2016 no qualifier
2015 Kotak Mahindra (India) ‘KAYPAY and JIFI’

The Best Frictionless Customer Relationship Management

We believe that a well-run customer relationship management includes customer loyalty, customer advocacy and retention initiatives, sales processes as well as all initiatives around customer relationship management at the front, middle and back office.

2018 China CITIC Bank (China)  
2017 HDFC Bank (India)  
2016 Citibank (Hong Kong)  
2015 Westpac (Australia)  

The Best Frictionless E-Commerce Proposition

The best e-commerce propositions are able to successfully connect digital marketplaces with value added lending and payments services in the most seamless and accessible way.

2018 Rakuten Ichiba (Japan)  

The Retail Financial Services Person of the Year’ award is the only individual award recognised under this programme and the only award of its kind in the Asia Pacific, Africa and Middle East. Very few candidates will ever qualify for this prestigious career-recognising award. It honours the achievements of an outstanding leader in the retail financial services industry who has contributed significantly to the transformation of his or her financial institution as well as making a strong impact on the country and on the industry. It also recognises significant achievements over the person’s whole career, his/her inspirational thought leadership towards the bank and the entire industry, and his/her effort to invest in staff development.

Retail Financial Services Person of the Year

2018 Ms. Jocelyne Chahwan, Head of Retail Banking, BLOM Bank (Middle East)
2018 Mr. Vincent Hui, Head of Personal Banking Division, Bank of East Asia (Asia Pacific)
2017 Ms. Feng Lihua, Deputy to  President, Bank of Bejing (Asia Pacific)
2017 Ms. Heba Ali Al-Tamimi, General Manager, Group Retail Banking, Qatar National Bank (Middle East)
2016 Mr. Jahja Setiaatmadja, President Director, Bank Central Asia (Asia Pacific)
2016 Mr. Arup Mukhopadhyay, Group Head Consumer Banking, ADCB (Middle East)
2015 Ms. Gai McGrath, Westpac (Asia Pacifc)
2015 Mr. Suvo Sarkar, Group Head Retail Banking & Wealth Management, Emirates NBD (Middle East)
2014 Mr. Lim Hong Tat, Head of Community Financial Services (Maybank)
2013 Mr. Akihito Nohara (Rakuten  Bank)
2012 Ms. Teresita T. Sy, Chairperson, BDO (Philippines)
2011 Mr. Jonathan Larsen, Regional Head, Consumer Banking, Asia Pacific (Citibank)
2010 Mr. Baek Soon  Lee, President & Chief Executive Officer (Shinhan Bank)
2009 Mr. Ma Weihua, President & Chief Executive Officer (China Merchants Bank)
2008 Mr. Edmund Koh, Head of Regional Retail Banking Group (DBS)
2007 Mr. Michael DeNoma, Group Executive Director Consumer Banking, Standard Chartered Bank
2006 Mr. Masamoto Yashiro, Director, Chairman of the Board (Shinsei Bank)
2005 Ms. Chanda Kochhar, Executive Director, Head of Retail (ICICI Bank)
2004 Mr. Wilson Chia, Head of Consumer Banking, Standard Chartered Bank (Singapore)
2003 Ms. Chen Xiaoyen, Head of Retail Banking (ICBC)