CTBC
Bank Co., Ltd. (CTBC Bank) is a commercial bank established in 1966 and headquartered on the 1st Floor, No. 3, Songshou Road, Xinyi District, Taipei, Taiwan. CTBC Bank is a wholly-owned subsidiary of CTBC Financial Holding, whose parent company was established on May 17, 2002 and is listed on the Taiwan Stock Exchange (stock code: 2886). The background of shareholders is mainly local investors and institutional investors in Taiwan, relying on the resources of the parent company, CTBC Bank occupies an important position in Taiwan's financial market. The bank is regulated by the Financial Supervisory Commission (FSC) of Taiwan and is a member of the Central Deposit Insurance Corporation of Taiwan (CDIC), with a deposit protection limit of NT$3 million. It has a good recent compliance record with no major violations or fines, demonstrating a solid performance in risk management and compliance.
Scope of
ServicesCTBC Bank's services cover Taiwan and 14 countries and regions around the world, including the United States, Canada, Japan, India, Indonesia, the Philippines, Thailand, Vietnam, Hong Kong, Singapore, Chinese mainland, Myanmar, Malaysia and Australia. In Taiwan, the bank has 147 branches and more than 370 service outlets worldwide, including subsidiaries (such as Tokyo Star Bank of Japan), branches and representative offices. The ATM network spans Taiwan and major international markets, making it easy for customers to access cash and conduct daily transactions. CTBC Bank supports the Taiwanese government's "New Southbound Policy" and actively expands its business in South and Southeast Asia through branches in Vietnam, India and Singapore, providing comprehensive financial services to cross-border enterprises and customers.
Regulation &
ComplianceCTBC Bank is strictly regulated by the Financial Supervisory Commission (FSC) of Taiwan and follows Taiwan's Banking Act and related regulations to ensure transparency and compliance in its operations. The bank is a member of the Central Deposit Insurance Corporation of Taiwan (CDIC) and has a maximum deposit protection limit of NT$3 million to provide security for customer funds. CTBC Bank's recent compliance record shows that it has not been involved in any major breaches or fines, demonstrating its robust performance in risk management and internal controls. The bank is also actively participating in FSC's "Bank 3.0" initiative to promote digital financial services and meet regulators' requirements for innovation and customer protection.
Financial HealthCTBC
Bank is the largest private bank in Taiwan in terms of assets, with total assets of NT$6.47 trillion in 2024, ranking among the top banks in Taiwan. The bank has demonstrated strong financial strength by outperforming in metrics such as profitability, Tier 1 capital, and customer base. Specific financial indicators such as core Tier 1 capital adequacy ratio (CET1), non-performing loan ratio (NPL) and liquidity coverage ratio (LCR) are not disclosed, but as a regulated commercial bank, its capital adequacy ratio is expected to be higher than the minimum requirement of the FSC (usually above 8%), the non-performing loan ratio remains at a low level in the industry, and the liquidity coverage ratio meets regulatory standards. CTBC Bank has a credit rating of "A" from S&P, "A" from Fitch and "A2" from Moody's, reflecting its financial health and market trust.
Deposits & Loans
:
CTBC Bank offers demand deposits, time deposits, high-yield savings accounts and foreign currency deposit accounts. With a low interest rate of around 0.1%, demand deposits are flexible and suitable for day-to-day money management. Fixed deposits are available in a variety of maturities (1 month to 3 years), and the interest rate fluctuates according to the amount and tenor, such as about 1.0% for 1 year, 1.5% for 2 years, and 2.0% for 3 years. High-yield savings accounts are required to meet minimum deposit requirements to provide higher returns. The foreign currency deposit account supports 13 currencies such as US dollar, euro and Japanese yen, which is suitable for cross-border customers. Large Certificates of Deposit (CDs) offer higher interest rates for customers looking for stable returns, as shown on CTBC Bank's website.
Loans:
CTBC Bank offers home loans, car loans, personal lines of credit and corporate finance. The mortgage interest rate is fixed at about 3%, and the floating interest rate adjusts according to market conditions, up to 80% of the valuation of the loanable property. The car loan interest rate is about 4%, the approval threshold is low, and the option of flexible repayment period and no penalty for early repayment is available. The interest rate of personal line of credit is about 5%, and the maximum loan amount depends on the customer's creditworthiness, and supports online application and fast disbursement. Corporate clients have access to trade finance, cash management and integrated financing solutions. CTBC Bank's loan products focus on flexibility and customisation, such as providing short-term working capital loans for SMEs, combined with export credit insurance to reduce risk.
List of common feesCTBC
Bank's fee structure is transparent, and some fees can be reduced under certain conditions. A monthly fee (about NT$100-200) may be charged for regular accounts, but premium accounts (such as wealth management customers) can be waived by meeting the minimum balance requirement. Domestic transfers are usually free, and cross-border transfers, such as international wire transfers, cost around $20-$40, depending on the amount and currency. The ATM inter-bank withdrawal fee is about NT$7-15, and it is recommended to use CTBC Bank's own ATM to reduce costs. Overdraft fees are clearly indicated according to the account agreement and are usually NT$10-20 per day. Accounts with less than the minimum balance may face a small penalty, the terms of which can be found on the CTBC Bank website.
Digital Service
ExperienceCTBC Bank's digital services are delivered through its mobile app "CTBC Bank" and online banking platform, reaching both individual and corporate customers. The mobile app has a rating of about 4.5 stars on the App Store and Google Play (based on thousands of reviews), and users rate its interface friendliness and functional stability highly. Core features include facial recognition login, real-time transfers, bill management, investment tool integration, and multi-currency account management. Enterprise customers can access customized services through a dedicated platform, supporting API integrations and online payment solutions. Since 2014, CTBC Bank has been actively promoting fintech, developing AI-powered customer service chatbots and robo-advisory tools, and supporting open banking APIs to allow third-party fintech applications to connect, demonstrating its leadership in digital transformation.
Customer Service
QualityCTBC Bank provides a 24-hour customer service hotline (+886-2-2722-2002 or 0800-024-365) in Chinese and English, and customers can get help by phone, online chat and social media (such as X platform). Complaint handling efficiency is high, the average resolution time is within the industry standard range (usually 1-2 weeks), and user satisfaction is good. For cross-border customers, the bank provides multi-language support such as English and Japanese, which is convenient for international enterprises and foreigners. Feedback from users on the X platform shows that CTBC Bank is very responsive in handling urgent issues and has a solid overall customer service performance.
Security
MeasuresCTBC Bank's deposits are protected by the Central Deposit Insurance Corporation of Taiwan (CDIC) with a maximum protection amount of NT$3 million, covering account types such as demand deposits, fixed deposits, etc. (excluding offshore banking units). Banks use real-time transaction monitoring, multi-factor authentication (including biometrics), and advanced encryption to protect against fraud. In terms of data security, CTBC Bank complies with Taiwan's Personal Data Protection Act and international standards, has passed the ISO 27001 information security management system certification, and has not reported major data breaches, with a high level of customer trust.
Featured Services & DifferentiationCTBC
Bank offers a wide range of products for market segments. For example, it provides students with fee-free accounts to reduce the cost of use for young people; Design low-risk wealth management products for the elderly to meet the needs of stable investment. Green finance is one of its features, with banks adopting the Equator Principles to support ESG investments and launch sustainable energy project financing. High-net-worth clients can enjoy private banking services with an entry threshold of approximately US$500,000 and customized financial solutions suitable for local and regional affluent clients in Taiwan. In addition, CTBC Bank's Sinergo Desk provides one-stop financial advice to SMEs to enhance their market competitiveness.
Market Position & Accolades
CTBC Bank is the largest private bank in Taiwan in terms of assets, with total assets of NT$6.47 trillion in 2024, and its market share is among the highest in Taiwan's banking industry. Banks have a significant presence in the global banking industry, especially in the Asian market. CTBC Bank has received numerous international and national awards, including:
Asiamoney's "Best Bank in Taiwan" award.
The Asian Banker's "Best Retail Bank in Taiwan" award (9th consecutive year).
Euromoney "Best Wealth Management Bank in Taiwan" Award (11th consecutive year).
"Best Foreign Exchange Bank in Taiwan" and "Best Trade Finance Bank" by Global Finance.
These accolades highlight CTBC Bank's excellence in retail banking, wealth management and fintech.
