Friday, 04 July 2025

Press Release 2019
"The Excellence in Retail Financial Services Award Winners"

TOP RETAIL BANKING AWARDS

Best Digital Finance Institution
Ant Financial Services Group
Best Retail Bank in Asia Pacific
CTBC Bank  
Best Retail Bank in China
China Merchants Bank  
Best Retail Bank in the Middle East
Emirates NBD  
Best Regional Retail Business in Asia Pacific
Standard Chartered Bank, Greater China and North Asia  
Most Improved Retail Bank in Asia Pacific, Middle East and Africa
People’s Bank  
Best Digital Bank in Asia Pacific
WeBank  
Best Digital Bank in the Middle East
"Liv" by Emirates NBD  
Best Wealth Management in Asia Pacific
Citibank, Hong Kong  
Best SME Bank in Asia Pacific
United Overseas Bank  
Retail Financial Services Person of the Year in Asia Pacific Award
Samir Gupta - CIMB Bank  
Retail Financial Services Person of the Year in the Middle East Award
Stewart Lockie - Al Ahli Bank of Kuwait  


COUNTRY AWARDS
Brunei - Bank Islam Brunei Darussalam  
China
  • Best Mega Retail Bank in China -Industrial and Commercial Bank of China  
  • Best Joint Stock Retail Bank in China -China Merchants Bank  
  • Best City Commercial Retail Bank in China -Bank of Beijing  
  • Most Improved Retail Bank in China -Bank of Shanghai  
Hong Kong - Bank of China (Hong Kong)  
India - ICICI Bank
Indonesia  
  • Best Retail Bank -Bank Rakyat Indonesia  
  • Best Digital Bank -Bank Rakyat Indonesia
Korea  
  • Best Retail Bank - Shinhan Bank  
  • Best Digital Bank - Shinhan Bank  
Malaysia  
  • Best Retail Bank - CIMB Bank  
  • Best Digital Bank - CIMB Bank  
  • Best SME Bank - Hong Leong Bank  
Pakistan - Habib Bank Limited  
Philippines - Security Bank  
Singapore  
  • Best Retail Bank - DBS Bank  
  • Best SME Bank - United Overseas Bank  
Sri Lanka  
  • Best Retail Bank - People’s Bank  
  • Best Digital Bank - People’s Bank  
  • Best SME Bank - Hatton National Bank  
Taiwan  
  • Best Retail Bank - CTBC Bank
  • Best Digital Bank - CTBC Bank
Thailand–Kasikornbank  
Vietnam  
  • The Best Retail Bank - Bank for Investment and Development of Vietnam JSC  
  • Best SME Bank - Vietnam Prosperity Joint-Stock Commercial Bank  
The Gulf Region
  • Kuwait - Al Ahli Bank of Kuwait  
  • Lebanon - BLOM Bank  
  • Qatar - Commercial Bank  
  • United Arab Emirates - Emirates NBD  

RETAIL FINANCE PRODUCT AND PROCESSES AWARDS
Automobile Lending Product of the Year  
  • Thanachart Bank - "Auto Loan"  
Business Model of the Year
  • Ping An Bank - "Comprehensive Finance Model"  
Consumer Finance Product of the Year  
  • WeLab- "Wolaidai/WeLend/Maucash"  
Credit Card Product of the Year  
  • Emirates NBD - “U By Emaar”  
Deposit Product of the Year
  • Security Bank - "All Access account"  
Digital Lending Product of the Year  
  • WeLab- “Wolaidai/WeLend/Maucash”  
Digital Wallet of the Year  
  •LINE Pay - “LINE Pay Wallet”  
Mortgage and Home Loans Product of the Year  
  • United Overseas Bank - "UOB Home Solution"  
Payment Merchant Services of the Year  
  • Bank of East Asia - "i-Payment Hub"  
Remittance Product and Service of the Year  
  •Commercial Bank – “60 Seconds Online Remittance”  


RETAIL FINANCE DIGITAL AWARDS
Best API Initiative, Application or Programme  
  • ICICI Bank - "Connected Banking"  
Best Automated Chatbot Initiative, Application or Programme
  •KEB Hana Bank - "HAI Banking 2.0"
  
Best Blockchain Initiative, Application or Programme  
  •WeBank– “FISCO BCOS”  
Best CyberRisk Management Initiative, Application or Programme  
  • China Merchants Bank - “Libra Real-Time Decision System”  
Best Data Analytics Initiative, Application or Programme  
  • Industrial and Commercial Bank of China - “Decision Making on the Palm Fund Flow Monitoring System”  
Best Digital Brand Initiative, Application or Programme
  • Kasikornbank- "KBank Live: Either Losing or Winning is a Plus"  
Best Digital Compliance Initiative, Application or Programme  
  • Taipei Fubon Bank - "Personal Data De-identification in Enterprise Platform"  
Best Digital Distribution Network  
  • Taishin International Bank  
Best Digital Employee Engagement Initiative or Programme  
  • NgernTidLor- “Empowering Grassroots Lives Through Cutting-Edge Work Culture  
Best Digital Finance Ecosystem Initiative, Application or Programme  
  • China Merchants Bank - "CMB Life"  
Best Digital Financial Inclusion Initiative, Application or Programme  
  •FINTQ - “KasamaKA”  
Best Digital Social Media Initiative, Application or Programme  
  • CTBC Bank - "CTBC LINE Business Connect and Customer Connect"  
Best E-commerce Proposition  
  •Alibaba Group  
Best Mobile Initiative, Application or Programme  
  • ICICI Bank - "iMobile"  
Best Productivity, Efficiency and Automation Initiative, Application or Programme  
  • Krungsri Bank - “Di-Sales”  


RETAIL FINANCE FRICTIONLESS AWARDS
Best Frictionless Customer Experience
  • CTBC Bank - "CTBC LINE Business Connect and Customer Connect"  
Best Frictionless Customer Relationship Management  
  • Kasikornbank- "Loyalty Card on K PLUS"  
Best Frictionless Credit Evaluation Initiative, Application or Programme  
  •Du Xiaoman Financial - "Panshi"  
Best Frictionless Robo Advisory Service
  • Shinhan Bank - "SOL Rich"  
Best Frictionless Omni Channel Integration  
  • Ping An Bank – “New retail outlet of Ping An Bank"  



Press Release 2018
"The Excellence in Retail Financial Services Award Winners"

The Best Digital Finance Institution
Ant Financial Services Group
The Best Retail Bank in Asia Pacific
China Merchants Bank
The Best Retail Bank in China
China Merchants Bank
The Best Digital Bank in Africa
ALAT by Wema Bank  
The Best Retail Bank in the Middle East
Emirates NBD, UAE
The Most Improved Retail Bank in Asia Pacific,
Middle East and Africa
Ping An Bank, China  
The Best Digital Bank in Asia Pacific
KakaoBank, South Korea  
The Best Digital Bank in Africa
ALAT by Wema  
The Best Digital Bank in the Middle East
Liv. By Emirates NBD  
The Best Small Business Bank
OCBC Bank, Singapore  
The Retail Financial Services Person of the Year Award
Vincent Hui, Bank of East Asia  


The Best Retail Bank by Country
Australia - Westpac
Bangladesh -Eastern Bank Limited
Brunei - Bank Islam Brunei Darussalam
China
  • The Best Mega Retail Bank in China - China Construction Bank  
  • The Best Joint Stock Retail Bank - China Merchants Bank
  • The Best City Commercial Retail Bank - Bank of Beijing  
  • The Most Improved Retail Bank in China - Ping An Bank  
Hong Kong - Bank of East Asia
India - ICICI Bank
Indonesia - Bank Central Asia
Japan
  • The Best Digital Bank - Rakuten Bank
South Korea - KEB Hana Bank
Malaysia - CIMB Bank
Pakistan - HBL Pakistan
Philippines - Security Bank
Singapore - DBS Bank
Sri Lanka - Hatton National Bank
Taiwan - CTBC Bank
Thailand - Kasikornbank PCL
Vietnam  
  • The Best Retail Bank - BIDV  
The Gulf Region
  • Kuwait - Al Ahli Bank of Kuwait
  • Lebanon - BLOM Bank
  • Qatar - Commercial Bank
  • United Arab Emirates - Emirates NBD
Africa Region
  • Egypt - National Bank of Egypt
  • Nigeria - First Bank of Nigeria

Retail Finance Product Awards
The Automobile Lending Product of the Year  
  • Ping An Bank
   "Ping An Car Loans" 		 
The Consumer Finance Product of the Year
  • China Merchants Bank
   "Flash Loan" 		 
The Credit Card Product of the Year  
  • Taishin International Bank
   "@GoGo card" 		 
The Deposit Product of the Year  
  • Standard Chartered Bank (Singapore)
  "MyWay Savings Account" 		 
The Best Digital Lending Product
  • Yirendai  
The Digital Wallet of the Year  
  • WeChat Pay  
The Mortgage and Home Loan Product of the Year  
  • Bank SinoPac
   "Feng Yun Mortgage"
The Best Remittance Product and Service of the Year  
  • Transferwise  
The Best Business Model  
  • WeLab  


Retail Finance Digital Awards
The Best API Initiative, Application or Programme  
  • Taishin International Bank
   "TOCP and APPOS" 		 
The Best Robo Advisory Platform
  • China Merchants Bank
 
The Best Automated Advisory
Initiative, Application or Programme 		 
  • E.SUN Commercial Bank
   "Chatbot Financial Advisor"		  
The Best Blockchain
Initiative, Application or Programme		  
  • KEB Hana Bank
   "The Global Loyalty Network (GLN)" 		 
The Best Digital Compliance
Initiative, Application or Programme		  
  • Maybank Malaysia
   "Digital Account Opening" 		 
The Best Digital Sales
Initiative, Application or Programme
  • Alliance Bank Malaysia Berhad
   "Cash2Home"		  
The Best Credit Evaluation
Initiative, Application or Programme		  
  • United Overseas Bank
   "Project G2" 		 
The Best Data Analytics
Initiative, Application or Programme		  
  • WeLab  
The Best Digital Distribution Network of the Year  
  • Bank of East Asia
The Best Digital Employee Engagement
Initiative, Application or Programme		  
  • Taishin International Bank
   "Triple E Model" 		 
The Best Productivity, Efficiency and Automation
Initiative, Application or Programme 		 
  • CIMB Bank
The Best Digital Retail Operational Risk
Initiative, Application or Programme		  
  • ICICI Bank
   "RISE" 		 


Retail Finance Frictionless Awards
The Best Frictionless Financial Inclusion
Initiative, Application or Programme
  • Paytm Payments Bank  
The Best Frictionless Internet Banking
Initiative, Application or Programme		  
  • Emirates NBD  
The Best Frictionless Mobile
Initiative, Application or Programme		  
  • DBS Bank
   "POSB Smart Buddy"
The Best Frictionless Mobile Payments Service
  • Paytm Payments Bank  
The Best Frictionless Omni Channel Integration  
  • JD Finance
The Best Frictionless Social Media
Initiative, Application or Programme
  • HDFC Bank
   "HDFC Bank OnChat" 		 
The Best Frictionless Customer Relationship Management  
  • China CITIC Bank
   "Retail CRM Project" 		 



Press Release 2017
"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in Asia Pacific
Shinhan Bank

Best Retail Bank in China
China Merchants Bank (China)  

Retail Banker of the Year in Asia Pacific
Feng Lihua, Deputy to President, Bank of Beijing  

Most Improved Retail Bank in Asia Pacific
China CITIC Bank  

Best Digital Bank
Shinhan Bank

Best Retail Bank by Country
Australia - Westpac
Bangladesh -Eastern Bank Limited
Brunei - BIBD
China
  • 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
  • Best Improved Retail Bank - China CITIC Bank  
Hong Kong - Standard Chartered Bank (Hong Kong)
India - ICICI Bank
Indonesia - Bank Central Asia
Japan
  • Best Mega Retail Bank - Bank of Tokyo-Mitsubishi UFJ
  • Best Digital-Only Bank - Jibun Bank
Korea - Shinhan Bank
Malaysia - CIMB Bank
Pakistan - Habib Bank Limited
Philippines - BDO Unibank
Singapore - DBS Bank
Sri Lanka - Hatton National Bank
Taiwan - CTBC Bank
Thailand - Kasikornbank
Vietnam - BIDV  
The Gulf Region
  • Kuwait - Al Ahli Bank of Kuwait
  • United Arab Emirates - Emirates NBD  
Africa Region
  • Zambia - Barclays Bank Zambia  

Product and Business Awards
Best Deposit Product  
  • United Overseas Bank Singapore
Best Credit Card Product
  • SCB (Hong Kong)
Best Internet Banking  
  • CIMB Bank
Best Branch of the Year  
  • Abu Dhabi Commercial Bank
Best Mortgage and Home Loans Product Initiative
  • China Merchants Bank
Best SME Bank  
  • United Overseas Bank Singapore
Best Wealth Management Business
  • CTBC Bank
Best Employee Engagement  
  • DBS
Consumer Finance Product of the Year  
  • Vietnam Prosperity Bank
Mobile Payment Product of the Year  
  • China Merchants Bank
Auto-loan Product of the Year  
  • Emirates NBD
Micro Finance Product of the Year  
  • Hatton National Bank
Best Mobile Banking Application of the Year  
  • Rakuten Bank
Micro Finance Product of the Year  
  • Hatton National Bank
Brand Initiative of the Year  
  • Shanghai Pudong Development Bank
Best Business Model  
  • Citibank (Hong Kong)

Press Release 2016
"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in Asia Pacific
DBS

Best Retail Bank in China
China Merchants Bank (China)

Retail Banker of the Year in Asia Pacific
Mr. JahjaSetiaatmadja, President Director, PT Bank Central Asia

Best Retail Bank by Country
Australia - Westpac  
Bangladesh - Eastern Bank
Brunei - BIBD
China  
  • 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  
  • Best Improved Retail Bank - China CITIC Bank  
Hong Kong - Bank of China (Hong Kong)
India - ICICI Bank  
Korea - Shinhan Bank
Malaysia - Public Bank  
Pakistan - Habib Bank Limited
Philippines - BDO Unibank  
Singapore - DBS Bank
Sri Lanka - Hatton National Bank PLC
Taiwan - CTBC Bank
Thailand - Kasikornbank  
Vietnam - BIDV  
The Gulf Region  
  • Kuwait - Al Ahli Bank of Kuwait
  • Qatar - Qatar National Bank
  • United Arab Emirates - Abu Dhabi Commercial Bank

Product and Business Awards  
Best Deposit Product  
  • OCBC Bank (Singapore)  
Best Credit Card Product  
  • ANZ Singapore  
Best Internet Banking  
  • Westpac (Australia)
Best Retail Banking Branch Innovation  
  • Standard Chartered Bank (Asia Pacific)
Best Remittance Business  
  • MoneyGram International
Best Mortgage and Home Loans Product Initiative  
  • CTBC (Taiwan)
Best SME Bank  
  • UOB (Singapore)
Best Wealth Management Business  
  • Bank of China (Hong Kong)
Best Customer Relationship Management  
  • Citibank (Hong Kong)  
Best Employee Engagement  
  • ICICI (India)
Best Data & Analytics Initiative  
  • E.SUN (Taiwan)
Consumer Finance Product of the Year  
  • Krung Sri Bank (Thailand)
Mobile Payment Product of the Year  
  • Emirates NBD (UAE)
Auto-loan Product of the Year  
  • Metrobank Group (Philippines)  

Press Release 2015
"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in Asia Pacific
Westpac (Australia)

Best Retail Bank in China
China Merchants Bank (China)  

Best Retail Bank in the Gulf region
Emirates NBD (UAE)  

Retail Banker of the Year in Asia Pacific
Ms Gai McGrath (Westpac, Australia)

Retail Banker of the Year in the Middle East
Mr Suvo Sarkar (Emirates NBD, UAE)

Most Improved Retail Bank in Asia Pacific
Asia Commercial Bank (Vietnam)

Most Improved Retail Bank in the Middle East
Ahli Bank of Kuwait (Kuwait)  

Most Improved Retail Bank in Africa
Barclays Africa  

Best Retail Bank by Country
Australia - Westpac
Bangladesh - Eastern Bank
Brunei - BIBD
China  
  • 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
  • Best Improved Retail Bank - Bank of Shanghai  
Hong Kong - Bank of China (Hong Kong)
India - ICICI Bank
Indonesia - Bank Mandiri
Korea - Shinhan Bank
Malaysia - Maybank
New Zealand - Westpac New Zealand  
Pakistan - Habib Bank Limited
Philippines - Bank of the Philippine Islands  
Singapore - DBS Bank
Sri Lanka - Hatton National Bank
Taiwan - CTBC Bank
Thailand - Kasikornbank
Vietnam - BIDV
The Gulf Region  
  • Bahrain - Standard Chartered Bank  
  • Egypt - National Bank of Egypt  
  • Kuwait - Gulf Bank
  • Qatar - Commercial Bank of Qatar
  • Saudi Arabia - Samba Financial Group
  • United Arab Emirates - Emirates NBD
Africa Region  
  • Ghana - Ecobank Ghana
  • Nigeria - First Bank Nigeria
  • Uganda - Stanbic Bank Uganda  
  • Egypt - National Bank of Egypt  

Product and Business Awards  
Best Deposit Product
  • Barclays Kenya (Kenya) - "Zidisha Bonus Savings Account"  
Best Credit Card Product  
  • Taishin Bank (Taiwan) - "The Rose Card"  
Best Payments Product  
  • DBS Bank (Singapore) - "DBS Paylah!"  
Best Internet Banking  
  • ICICI Bank (India)
Best Direct Bank  
  • Rakuten Bank (Japan)
Best Mobile Phone Banking Initiative  
  • St. George Bank (Australia) - 'User Controlled Security Management'  
Best Retail Banking Branch Innovation  
  • Bank of East Asia (Hong Kong)  
Best Remittance Business  
  • MoneyGram International  
Best Automobile Lending Business  
  • Emirates NBD (United Arab Emirates)
Best Mortgage and Home Loans Product Initiative  
  • State Bank of India (India)  
Best SME Bank  
  • Alliance Bank (Malaysia)
Best Wealth Management Business  
  • Westpac (Australia)
Best Microfinance Business  
  • Bank Rakyat Indonesia (Indonesia)
Best Consumer Risk Management Initiative  
  • ICICI Bank (India)
Best Customer Relationship Management  
  • Westpac (Australia)
Best Social Media Project  
  • Kotak Mahindra Bank (India) - 'Jifi and Kaypay'
Best Network Integration  
  • Shinhan Bank (South Korea)
Best Retail Banking Brand Initiative  
  • Alliance Bank (Malaysia) - 'SME Innovation Challenge'
Best Employee Engagement  
  • Union Bank of the Philippines (The Philippines)
Best Business Model  
  • Jibun Bank Corporation (Japan)
Best Data & Analytics Initiative  
  • OCBC Bank (Singapore) - 'OCBC In-Memory Self Service Analytics'

Press Release 2014
"The Excellence in Retail Financial Services Award Winners"

Best Regional Retail Business in the Asia Pacific
HSBC

Best Retail Bank by Country  
Australia - Commonwealth Bank of Australia
Bangladesh - Eastern Bank Limited
Brunei - BIBD
China  
  • 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
Hong Kong - Standard Chartered Bank
India - ICICI Bank
Indonesia - Bank Central Asia
Korea - Shinhan Bank
Malaysia - Maybank
Pakistan - National Bank of Pakistan  
Philippines - Bank of the Philippine Islands
Singapore - United Overseas Bank
Sri Lanka - Standard Chartered Bank
Taiwan - CTBC Bank  
Thailand - Kasikornbank
Vietnam - JSC Commercial Bank for Foreign and Trade of Vietnam
The Gulf Region  
  • Bahrain - Standard Chartered Bank Bahrain
  • Jordan - Arab Bank  
  • Kuwait - Kuwait Finance House  
  • Oman - Bank Muscat
  • Qatar - Doha Bank
  • Saudi Arabia - Samba Financial Group
  • United Arab Emirates - ADCB
Africa Region  
  Kenya - Equity Bank  
  Nigeria - First Bank Nigeria  
  South Africa - Standard Bank
  Egypt - National Bank of Egypt

Product and Business Awards
Best Deposit Product  
  • ANZ Instant Interest Time Deposit
Best Credit Card Product  
  Citibank Singapore, Citi PremierMiles  
Best Payments Product  
  • BPI My e-prepaid MasterCard  
Best Internet Banking  
  • HSBC Australia
Best Mobile Phone Banking Initiative  
  • OCBC Money In$ights
Best Retail Banking Branch Innovation  
  • ICICI Bank
Best Remittance Business  
  • DBS Remit
Best Consumer Credit Product  
  • Emirates NBD Borrow Wisely
Best Automobile Lending Business  
  • Maybank
Best Mortgage and Home Loans Product Initiative  
  • Taishin Bank
Best SME Bank  
  • China Merchants Bank
Best Wealth Management Business  
  • HSBC Hong Kong
Best Microfinance Business  
  • ICICI Bank
Best Consumer Risk Management Initiative  
  • Emirates NBD
Best Social Media Project  
  • Kasikornbank Kbank Live  
Best Retail Banking Brand  
  • Citibank India  

Press Release 2013
"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in Asia Pacific
Standard Chartered Bank (Hong Kong)

Best Retail Bank in China
ICBC

Best Regional Retail Business in the Asia Pacific
HSBC

Most Admired Bank outside the Asia Pacific
and Gulf Regions
Wells Fargo  

Best Improved Retail Bank in Asia Pacific,
Central Asia, Africa and the Gulf region
NAB, Australia  

Best Retail Bank by Country
Australia - Commonwealth Bank of Australia
Bangladesh - Eastern Bank
Brunei - BIBD
China  
  • Best Retail Bank - ICBC
  • 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
Kyrgyz Republic - Demir Bank
Hong Kong - Standard Chartered Bank
India - HDFC Bank  
Indonesia - Bank Central Asia
Korea - Shinhan Bank
Malaysia - Maybank
Pakistan - Habib Bank
Philippines - BDO Unibank
Singapore - OCBC Bank
Sri Lanka - Hatton National Bank
Taiwan - Chinatrust
Thailand - Kasikornbank
Vietnam - ANZ
The Gulf Region  
  • Bahrain - Ahli United Bank  
  • Jordan - Arab Bank  
  • Kuwait - Gulf Bank
  • Oman - National Bank of Oman
  • Qatar - Commercial Bank of Qatar
  • Saudi Arabia - Samba Financial Group
  • United Arab Emirates - Emirates NBD
Africa Region  
  • South Africa - Standard Bank  
  • Egypt - National Bank of Egypt

Product and Business Awards  
Best Deposit Business  
  • Standard Chartered Bank (Korea)
Best Payments Product  
  • Mobile PayWay', Westpac (Australia)  
Best Consumer credit product  
  • Easy Credit', OCBC (Singapore)
Best Credit Card Management Award  
  • HSBC (Hong Kong)
Best Direct Bank  
  • Rakuten Bank (Japan)
Best Internet Banking Award  
  • Standard Chartered Bank (Singapore)
Best Mobile Phone Banking Initiative  
  • 'N-Wallet', Hana Bank (Korea)
Best Retail Banking Branch Innovation Award  
  • Rockstar Branch', Kookmin bank (Korea)
Best Automobile Lending Award  
  • Maybank (Malaysia)
Best Mortgage Business  
  • NAB (Australia)  
Best Microfinance Award  
  • Bank Rakyat (Indonesia)
Best Wealth Management Award  
  • UOB (Singapore)
Best SME Banking Award  
  • Alliance Bank (Malaysia)
Best Remittance Business Award  
  • ICICI Bank (India)
Best Retail Risk Management Award  
  • Maybank (Malaysia)

Special Awards
Best Customer Relationship Management Award  
  • OCBC (Singapore)
Best Social Media Engagement  
  • CIMB (Malaysia)  
Best Employee Engagement  
  • DBS (Singapore)
Best Retail Banking Brand  
  • 'Citi 200 Years', Citibank (India)
Retail Banker of the Year Award  
  • Akihito Nohara

Press Release 2012
"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in Asia Pacific
Standard Chartered Bank (Hong Kong)  

Best Regional Retail Business in Asia
Standard Chartered Bank  

Best Retail Bank in Africa
Absa Bank (South Africa)  

Best Retail Bank in Central Asia
Demir Bank (Krgystan)  

Best Retail Bank in China
China Merchants Bank

Best Retail Bank in the Gulf region
Abu Dhabi Commercial Bank (United Arab Emirates)  

Best Improved Bank in Asia Pacific,
Central Asia, Africa & Gulf Region
Panin Bank  

Most Admired Bank outside the Asia Pacific,
Central Asia and Gulf region
Banco Santander (Spain)  

Retail Banker of the Year Award
Teresita T. Sy, Chairperson, BDO (Philippines)  

Global Best Practice Winners
Best Customer Relationship Management  
  • Banco Sabadell (Spain)  
Best Mobile Phone Banking Initiative  
  • Chase Bank (US)  
Best Branch Innovation  
  • La Caixa (Spain)  
Best Automobile Lending  
  • Capital One (US)  
Best Business Model  
  • Metro Bank (UK)  

Best Retail Bank by Country
Australia - Commonwealth Bank of Australia
Bangladesh - Standard Chartered Bank
Brunei - Baiduri Bank
China  
  • 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  
Hong Kong - Standard Chartered Bank  
India - HDFC Bank
Japan - Sumitomo Mitsui Banking Cooperation  
Indonesia - Bank Central Asia  
Korea - Shinhan Bank  
Malaysia - Public Bank
Pakistan - Habib Bank  
Philippines - Banco de Oro  
Singapore - UOB  
Sri Lanka - Hatton National Bank
Taiwan - Chinatrust  
Thailand - Kasikornbank  
Vietnam - Sacombank  
     
 

The Gulf Region

  
Bahrain - National Bank of Bahrain  
Jordan - Housing Bank for Trade and Finance  
Kuwait - Gulf Bank  
Oman - National Bank of Oman  
Qatar - Qatar National Bank  
Saudi Arabia - Al Rajhi Bank  
United Arab Emirates - Abu Dhabi Commercial Bank  
     
  Africa Region  
Kenya - Kenya Commercial Bank  
Nigeria - First Bank of Nigeria  
South Africa - Absa Bank  
Egypt - National Bank of Egypt  

Product and Business Awards
Best Deposit Business  
  • HSBC (Australia)
Best Credit Card Management  
  • Absa Bank (South Africa)
Best Internet Banking  
  • ICBC (China)  
Best Direct Bank  
  • Rakuten Bank (Japan)
Best Mobile Phone Banking Initiative  
  • Commonwealth Bank of Australia
Best Consumer Finance Business  
  • Adira Finance (Indonesia)
Best Automobile Lending  
  • DBS (Singapore)
Best Mortgage Business  
  • Bank Negara Indonesia  
Best SME Banking
 
  • OCBC Bank (Singapore)
Best Wealth Management  
  • HSBC (Hong Kong)
Best Bancassurance  
  • HDFC Bank (India)
Best Risk Management  
  • HDFC Bank (India)
Best Customer Relationship Management  
  • CITIC Bank (China)  
Best Social Media Engagement  
  • CIMB (Malaysia)
Best Network Integration  
  • Citibank (India)  
Best Retail Banking Brand  
  • Citibank (Taiwan)
Best Employee Engagement  
  • Standard Chartered Bank (Hong Kong)  
Best Business Model  
  • Adira Finance (Indonesia)
Best Microfinance Business  
  • Equity Bank (Kenya)  

Press Release 2011
"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in The Asia Pacific
Commonwealth Bank of Australia

Best Regional Retail Business in Asia Pacific
Citibank Asia Pacific

Best Retail Bank in China
Industrial and Commercial Bank of China

Best Retail Bank in the Gulf Region
Al Rajhi Bank (Saudi Arabia)  

Most Admired Bank outside the Asia Pacific,
Central Asia and Gulf region
Wells Fargo (US)  

Retail Banker of the Year Award
Mr Jonathan Larsen, Region Head Consumer Banking Asia Pacific, Citibank  

Best Retail Banks by Country
  Asia Pacific  
Australia - Commonwealth Bank of Australia
Bangladesh - BRAC Bank
Brunei - HSBC
China
• 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)
 
Hong Kong - HSBC (Hong Kong)
India - not awarded  
Indonesia - Bank Central Asia
Japan - Sumitomo Mitsui Banking Corporation
Malaysia - Maybank
Pakistan - Allied Bank
Philippines - Bank of the Philippine Islands
Singapore - United Overseas Bank
South Korea - Hana Bank  
Sri Lanka - Hatton National Bank
Taiwan - Chinatrust Commercial Bank  
Thailand - Kasikornbank
Vietnam - Sacombank  
 

The Gulf Region

  
Bahrain - National Bank of Bahrain  
Jordan - Housing Bank for Trade and Finance  
Kuwait - Gulf Bank  
Qatar - Qatar National Bank
Republic of Kazakhstan - Kazkommertsbank  
Kyrgyz Republic - Demir Bank
Saudi Arabia - Al Rajhi Bank  
United Arab Emirates - Abu Dhabi Commercial Bank  
 

Africa Region

  
Kenya - Barclays Bank  
Nigeria - First Bank of Nigeria  
South Africa - Absa Bank

Excellence in Products and Processes Awards
(Asia Pacific, Central Asai and Gulf States)
Best Deposit and Liability Business Award
- Maybank (Malaysia)
Best Payments Product Award
- Standard Chartered (Singapore)
Best Credit Card Management Award
- Citibank (Australia)
Best Internet Banking Award
- HSBC (Hong Kong)
Best Direct Bank Award
- Rakuten Bank (Japan)		  
Best Mobile Phone Banking Initiative Award
- International: Absa Bank (South Africa) 
- Asia: PermataBank (Indonesia)
Best Branch Banking Award
- Bank of China
BestRemittance Business Award
- Banco de Oro (Philippines)		  
Best Consumer Lending Award
- Commonwealth Bank of Australia
Best Automobile Lending Award
- Public Bank (Malaysia)
Best Mortgage Business Award
- ANZ (Vietnam)

Best SME Banking Award
- United Overseas Bank (Singapore)
Best Bancassurance Award
- HSBC (Hong Kong)
Best Application of Data Analytics Award
- Chinatrust Commercial Bank (Taiwan)

Special Awards
(Asia Pacific, Gulf States and Central Asia)
Best Customer Relationship Management Award
- Standard Chartered (Hong Kong)
Best Retail Banking Brand Award
- ASB Bank (New Zealand)		  
Best Employee Engagement
- HSBC (Taiwan)		  
Best Retail Banking Brand
- Kasikornbank (Thailand)
Best Business Model
- RHB Bank (Malaysia)

Press Release 2010
"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in The Asia Pacific
Commonwealth Bank of Australia

Best Regional Retail Business in Asia Pacific
Citibank Asia Pacific

Best Retail Bank in China
Industrial and Commercial Bank of China

Best Retail Bank in the Gulf Region
Abu Dhabi Commercial Bank (UAE)

Best Retail Bank in Central Asia
AsiaUniversalBank (Kyrgyz Republic)

Most Admired Bank outside the Asia Pacific,
Central Asia and Gulf region
Bank of America (US)

Retail Banker of the Year Award
Mr Baek Soon Lee, President & Chief Executive Officer of Shinhan Bank (South Korea)  

Best Retail Banks by Country
 

Asia Pacific

  
Australia - Commonwealth Bank of Australia
Bangladesh - Sonali Bank  
Brunei - Standard Chartered Bank  
China
• 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)
Hong Kong - HSBC (Hong Kong)
India - not awarded  
Indonesia - Bank Mandiri
Japan - Shinsei Bank
Malaysia - Public Bank
Pakistan - MCB  
Philippines - Bank of the Philippine Islands  
Singapore - OCBC
South Korea - Shinhan Bank
Sri Lanka - Hatton National Bank
Taiwan - Citibank (Taiwan)
Thailand - Kasikornbank
Vietnam - Sacombank
 

Gulf Region

  
Jordan - Arab Bank  
Kuwait - Kuwait Finance House  
Saudi Arabia - Samba Financial Group
United Arab Emirates - Abu Dhabi Commercial Bank

Best Improved Retail Bank in Asia
Maybank (Malaysia)

Excellence in Products and Processes Awards (China)
Best Wealth Management in China
- Bank of China
Best Mortgages and Home Loans in China
- China Merchants Bank
Best Cards and Retail Payments in China
- China CITIC Bank
Best Internet Banking in China 
- Industrial and Commercial Bank of China
Best Channel and Distribution in China
- China Construction Bank
Best Customer Relationship Management in China
- Citibank (China)
Best Retail Banking Brand in China
- Shanghai Pudong Development Bank

Excellence in Products and Processes Awards
(Asia Pacific, Central Asai and Gulf States)
Best Deposit Product Award
- Standard Chartered First Bank (Korea)
Best Credit Card Management Award
- Bank Mandiri (Indonesia)
Best Internet-only Bank Award
- Japan Net Bank (Japan)
Best Internet Banking Award
- Citibank (India)
Best Mobile Phone Banking Award
- Bank of the Philippine Islands (Philippines)
Best Branch Innovation Award
- Citibank (Singapore and Hong Kong)
Best Automobile Lending Award
- not awarded		  
Best Mortgages and Home Loans Award
- Siam Commercial Bank (Thailand)
Best Microfinance Award
- State Bank of India (India)
Best Wealth Management Award
- National Australia Bank (Australia)
Best SME Banking Award
- ICICI (India)
Best Remittance Business Award
- Western Union

Special Awards
(Asia Pacific, Gulf States and Central Asia)
Best Customer Relationship Management Award
- OCBC (Singapore)
Best Retail Banking Brand Award
- Commonwealth Bank of Australia (Australia)
Excellence in Employee Engagement
- Maybank (Singapore)
Excellence in Business Model Innovation
- Alliance Bank (Malaysia)

Press Release 2009
"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in The Asia Pacific
Public Bank (Malaysia)

Best Regional Retail Business in Asia Pacific
HSBC (Asia Pacific)

Best Retail Bank in China
China Merchants Bank (China)

Best Retail Bank in the Gulf Region
Abu Dhabi Commercial Bank (United Arab Emirates)

Best Retail Bank in Central Asia
Asia Universal Bank (Kyrgyz Republic)

Most Admired Bank outside the Asia Pacific,
Central Asia and Gulf region
Wells Fargo (US)

Retail Banker of the Year Award
Ma Weihua, CEO of China Merchants Bank

Best Retail Banks by Country
  Asia Pacific  
Australia - ANZ
Bangladesh - Janata Bank
Brunei - Standard Chartered Bank
China
• Best Retail Bank - China Merchants Bank
• 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
 
Hong Kong - Hang Seng Bank
India - HDFC Bank
Indonesia - Bank Central Asia
Japan - Shinsei Bank
Malaysia - Public Bank
Pakistan - MCB
Philippines - Bank of the Philippine Islands
Singapore - OCBC Bank
South Korea - Shinhan Bank
Sri Lanka - Hatton National Bank
Taiwan - Cathay United Bank
Thailand - Siam Commercial Bank
Vietnam - ANZ Vietnam
 

Gulf Region

  
Qatar - Qatar National Bank
Kuwait - Kuwait Finance House
Saudi Arabia -  Al Rajhi Bank
United Arab Emirates - Abu Dhabi Commercial Bank
  Central Asia  
Kyrgyz Republic - Asia Universal Bank

Excellence in Products and Processes Awards
(Asia Pacific and Gulf States)
Best Deposit Product/Campaign
- Public Bank (Malaysia)
Excellence in SME Banking
- HSBC (Hong Kong)
Excellence in Mortgage Business
- Kasikornbank (Thailand)
Excellence in Automobile Lending
- Public Bank (Malaysia)
Excellence in Credit Card Management
- United Overseas Bank (Singapore)
Best Internet-Only Bank Award
- SBI Sumishin Net Bank (Japan)
Best Retail Banking Branch Innovation Award
- CIMB Bank (Malaysia)
Excellence in Internet Banking Award
- Commonwealth Bank of Australia
Excellence in Mobile Phone Banking Award
- Kasikornbank (Thailand)
Excellence in Remittance Business Award
- Western Union (Asia Pacific)
Excellence in Bancassurance (Joint Award)
- OCBC Bank and Great Eastern Holdings (Singapore)
Excellence in Wealth Management Award
- Hang Seng Bank (Hong Kong)
Excellence in Credit Collection
- Taishin International Bank (Taiwan)

Special Awards
(Asia Pacific, Gulf States and Central Asia)
Best Customer Loyalty Programme
- HSBC (Singapore)
Excellence in Customer Advocacy
- OCBC Bank (Singapore)
Best Brand Building Initiative
- HSBC (Asia Pacific)
Excellence in Employee Engagement
- Siam Commercial Bank (Thailand)
Excellence in Distribution Network Integration
- Commonwealth Bank of Australia
Excellence in Business Model Innovation
- ICICI Bank (India)

Press Release 2008
"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in The Asia Pacific
HSBC (Hong Kong)

Best Regional Retail Business in Asia Pacific
Standard Chartered Bank (Asia Pacific)  
Best Non-Bank Financial Institution in Asia
CitiFinancial (Hong Kong)  

Best Retail Bank in the Gulf States
Al Rajhi Bank (Saudi Arabia)

Best Retail Bank in Central Asia
Halyk Savings Bank of Kazakhstan (Republic of Kazakhstan)

Most Admired Bank outside the Asia Pacific, Central Asia
and Gulf region
Royal Bank of Scotland (UK)  

Retail Banker of the Year Award
Edmund Koh, President, Ta Chong Bank (Taiwan) and
former regional head of consumer banking DBS (Singapore)

Best Retail Banks by Country
  Asia Pacific  
Australia - ANZ
Bangladesh - Standard Chartered Bank
Brunei - Standard Chartered Bank
China
• 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
 
 
 
 
Hong Kong - HSBC
India - HDFC Bank
Indonesia - Bank Central Asia
Japan - Mizuho Bank
Malaysia - Public Bank
Pakistan - Standard Chartered Bank
Philippines - Bank of the Philippine Islands
Singapore -  Citibank
South Korea - Kookmin Bank
Sri Lanka -  Hatton National Bank
Taiwan - Chinatrust Commercial Bank
Thailand - Siam Commercial Bank
Vietnam - ANZ Vietnam
 

Gulf Region

  
Kuwait - Kuwait Finance House
United Arab Emirates -  ADCB
Qatar - Qatar National Bank
Saudi Arabia -  Al Rajhi Bank
  Central Asia  
Republic of Kazakhstan - Halyk Savings Bank
Kyrgyz Republic - Asia Universal Bank