The Excellence in Retail Financial Services Awards

Best Retail Bank in Asia Pacific

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

2009	Commonwealth Bank of Australia
2008	Public Bank (Malaysia)
2007	HSBC (Hong Kong)
2006	Westpac Banking Corp (Australia)
2005	Hang Seng Bank (Hong Kong)
2004	HSBC (Hong Kong)
2003	Standard Chartered Bank (Singapore)

Best Retail Bank in the Gulf States

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.

2009	Abu Dhabi Commercial Bank (United Arab Emirates)
2008	Abu Dhabi Commercial Bank (United Arab Emirates)
2007	Al Rajhi Bank (Kingdom of Saudi Arabia)
2006	Al Rajhi Bank (Kingdom of Saudi Arabia)

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.

2009	AsiaUniversalBank (Kyrgyz Republic)
2008	AsiaUniversal Bank (Kyrgyz Republic)
2007	Halyk Savings Bank of Kazakhstan (Republic of Kazakhstan)
2006	Halyk Savings Bank of Kazakhstan (Republic of Kazakhstan)

Best Regional Retail Business in the Asia Pacific

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

2009	Citibank (Asia Pacific)
2008	HSBC (Asia Pacific)
2007	Standard Chartered Bank (Asia Pacific)
2006	HSBC (Asia Pacific)
2004	Citibank (Asia Pacific)

Best Non-Bank Financial Institution in the Asia Pacific

2007	CitiFinancial (Hong Kong)
2006	CitiFinancial (India)
2005	GE Money (Thailand)

Most Admired Bank outside the Asia Pacific and Gulf Regions

The winner was chosen based on the response among winning retail banking peers in the Asia Pacific, Central Asia and Gulf region, beating a select list of players from the U.S., Europe and South America

2009	Bank of America (US)
2008	Wells Fargo (US)
2007	Royal Bank of Scotland (UK)
2006	Wells Fargo (US)

Best Improved Retail Bank in Asia

Awards a bank that has not yet attained number one status in the country but has significantly improved its operations and retail banking franchise in the year under review

2009

Maybank (Malaysia)

Australia

2009	Commonwealth Bank of Australia
2008	Australia New Zealand Bank
2007	Australia New Zealand Bank
2006	Westpac Banking Corporation
2005	Commonwealth Bank of Australia

Bangladesh

2009	Sonali Bank
2008	Janata Bank
2007	Standard Chartered Bank
2006	Sonali Bank
2005	Sonali Bank

Brunei

2009	Standard Chartered Bank
2008	Standard Chartered Bank
2007	Standard Chartered Bank
2006	HSBC
2005	HSBC
2004	HSBC
2003	HSBC

China

2009	Best Retail Bank - Industrial and Commercial Bank of China
2009	Best Large-Scale Retail Bank - Industrial and Commercial Bank of China
2009	Best Joint Stock Retail Bank - China Merchants Bank
2009	Best City Commercial Retail Bank - Bank of Beijing
2009	Best Foreign Retail Bank - HSBC China
2008	Best Retail Bank - China Merchants Bank
2008	Best Mega Retail Bank - Industrial and Commercial Bank of China
2008	Best Joint Stock Retail Bank - China Merchants Bank
2008	Best City Commercial Retail Bank - Bank of Beijing
2008	Best Foreigh Retail Bank - HSBC
2007	Best Retail Bank - Industrial and Commercial Bank of China
2007	Best Mega Retail Bank - Industrial and Commercial Bank of China
2007	Best Joint Stock Retail Bank - China Merchants Bank
2007	Best City Commercial Retail Bank - Bank of Shanghai
2007	Best Foreign Retail Bank - Standard Chartered Bank
2006	Best Retail Bank - China Merchants Bank
2006	Best State-Owned Retail Bank- Industrial and Commercial Bank of China
2006	Best Joint Stock Retail Bank- China Merchants Bank
2006	Best City Commercial Retail Bank- Bank of Shanghai
2006	Best Foreign Retail Bank- Bank of East Asia (Hong Kong)
2005	Best Retail Bank – China Merchants Bank
2005	Best Retail Bank (State-owned) – Industrial and Commercial Bank of China
2005	Best Joint Stock Retail Bank – China Merchants Bank
2005	Best City Commercial Bank – Bank of Shanghai
2005	Best Foreign Bank – HSBC (China)
2004	Best Retail Bank - Industrial and Commercial Bank of China
2004	Best Joint Stock Retail Bank in China – China Merchants Bank
2003	Best Retail Bank – Industrial and Commercial Bank of China

Hong Kong

2009	HSBC
2008	Hang Seng Bank
2007	HSBC
2006	HSBC
2005	Hang Seng Bank
2004	HSBC
2003	Standard Chartered Bank
2002	HSBC

India

2009	HDFC Bank
2008	HDFC Bank
2007	HDFC Bank
2006	HDFC Bank
2005	ICICI Bank
2004	ICICI Bank
2003	ICICI Bank
2002	ICICI Bank

Indonesia

2009	Bank Mandiri
2008	Bank Central Asia
2007	Bank Central Asia
2006	Bank Central Asia
2005	Bank Central Asia
2004	Bank Central Asia
2003	Bank Central Asia
2002	Lippo Bank

Japan

2009	Shinsei Bank
2008	Shinsei Bank
2007	Mizhuo Bank
2006	Sumitomo Mitsui Banking Corporation
2005	Shinsei Bank
2004	Shinsei Bank
2003	Citibank

Korea

2009	Shinhan Bank
2008	Shinhan Bank
2007	Kookmin Bank
2006	Kookmin Bank
2005	Kookmin Bank
2004	Kookmin Bank
2003	Kookmin Bank
2002	Kookmin Bank

Malaysia

2009	Public Bank
2008	Public Bank
2007	Public Bank
2006	HSBC
2005	Public Bank
2003	Public Bank
2002	Citibank

Pakistan

2009	United Bank
2008	Muslim Commercial Bank
2007	Standard Chartered Bank
2006	Standard Chartered Bank
2005	Askari Commercial Bank
2004	Askari Commercial Bank
2003	Askari Commercial Bank

Philippines

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
2002	Bank of the Philippine Islands

Singapore

2009	OCBC
2008	OCBC
2007	Citibank
2006	DBS Bank
2005	DBS Bank
2004	DBS Bank
2003	DBS Bank

Sri Lanka

2009	Hatton National Bank
2008	Hatton National Bank
2007	Hatton National Bank
2006	Standard Chartered Bank
2005	HSBC

Taiwan

2009	Citibank
2008	Cathay United Bank
2007	Chinatrust Commercial Bank
2006	Taishin International Bank
2005	Taishin International Bank
2004	Chinatrust Commercial Bank
2003	Chinatrust Commercial Bank
2002	Chinatrust Commercial Bank

Thailand

2009	Kasikornbank
2008	Siam Commercial Bank
2007	Siam Commercial Bank
2006	Siam Commercial Bank
2005	Siam Commercial Bank
2004	Siam Commercial Bank
2003	Bangkok Bank
2002	Bangkok Bank

Vietnam

2009	Sacombank
2008	ANZ Vietnam
2007	ANZ Vietnam
2006	HSBC
2005	Asia Commercial Bank
2004	ANZ Vietnam
2003	ANZ Vietnam

Jordan

2009

Arab Bank

Kuwait

2009	Kuwait Finance House
2008	Kuwait Finance House
2007	Kuwait Finance House
2006	Gulf Bank

United Arab Emirates

2009	Abu Dhabi Commercial Bank
2008	Abu Dhabi Commercial Bank
2007	Abu Dhabi Commercial Bank
2006	National Bank of Dubai

Qatar

2008	Qatar National Bank
2007	Qatar National Bank
2006	Commercial Bank of Qatar

Saudi Arabia

2009	Samba Financial Group
2008	Al Rajhi Bank
2007	Al Rajhi Bank
2006	Al Rajhi Bank

Republic of Kazakhstan

2009	Halyk Bank
2007	Halyk Savings Bank

Kyrgyz Republic

2009	AsiaUniversalBank
2008	AsiaUniversalBank
2007	AsiaUniversalBank

Best Consumer Credit Product

2007	Citifinancial (Hong Kong)
2006	Citifinancial (India)
2005	GE Money (Singapore)

Best Deposit Product/ Campaign

2009	Standard Chartered First Bank (Korea)
2008	Public Bank (Malaysia)
2007	OCBC (Singapore)
2006	Standard Chartered Bank (Singapore)
2005	Bank of East Asia (Hong Kong)
2004	United Overseas Bank (Singapore)

Best Retail Islamic Financing Product

2006

Kuwait Finance House (Kuwait)

Best Credit Card Management Award

2009	Bank Mandiri (Indonesia)
2008	United Overseas Bank (Singapore)
2007	Westpac (Australia)
2006	Citibank (Singapore)
2005	Taishin International Bank (Taiwan)
2004	Union Bank of the Philippines (Philippines)
2003	RHB Bank Berhad (Malaysia)
2002	Citibank (India)

Best Internet-only Bank Award

2009	Japan Net Bank (Japan)
2008	SBI Sumishin Net Bank (Japan)
2007	Sony Bank (Japan)
2006	Sony Bank (Japan)
2005	eBANK (Japan)
2004	Japan Net Bank (Japan)

Best Internet Banking Award

2009	Citibank (India)
2008	Commonwealth Bank of Australia
2007	HSBC (Hong Kong)
2006	HSBC (Hong Kong) for its platform
2006	Chinatrust Commercial Bank (Taiwan) for its channel
2005	Shinsei Bank (Japan)
2004	Bank of East Asia (Hong Kong)

Best Mobile Phone Banking

2009	Bank of the Philippine Islands (Philippines)
2008	Kasikornbank (Thailand)
2007	OCBC (Singapore)
2006	Sumitomo Mitsui Banking Corporation (Japan)

Best Retail Banking Branch Innovation Award

2009	Citibank (Singapore and Hong Kong)
2008	CIMB Bank (Malaysia)
2007	POSB Bank (Singapore)
2006	Emirates Bank (United Arab Emirates)
2005	Siam Commercial Bank (Thailand)
2004	Shinsei Bank (Japan)

Best Automobile Lending Award

2009	HDFC Bank (India)
2008	Public Bank (Malaysia)
2007	Maybank (Malaysia)
2006	AmBank (Malaysia)
2005	ICICI Bank (India)
2004	Bank of the Philippine Islands (Philippines)

Best Mortgages and Home Loans Award

2009	Siam Commercial Bank (Thailand)
2008	Kasikornbank (Thailand)
2007	Bank of China
2006	Standard Chartered Bank (Hong Kong)
2005	E.SUN (Taiwan)
2004	Korea First Bank (Korea)

Best Microfinance Award

2009	State Bank of India
2007	Bank Rakyat Indonesia

Best Bancassurance Award

2009	HSBC (Hong Kong)
2008	OCBC and Great Eastern Holdings (Singapore)
2007	Taishin International Bank and Taishin Insurance Agency (Taiwan)
2006	HSBC Hong Kong and HSBC Insurance (Asia Pacific)

Best Wealth Management Award

2009	National Australia Bank (Australia)
2008	Hang Seng Bank (Hong Kong)
2007	Hang Seng Bank (Hong Kong)
2006	Citibank (Hong Kong)
2006	Hang Seng Bank (Hong Kong)
2005	Hang Seng Bank (Hong Kong)

Best SME Banking Award

2009	ICICI (India)
2008	HSBC (Hong Kong)
2007	Kasikornbank (Thailand)
2006	Kasikornbank (Thailand)
2005	HSBC (Hong Kong)

Best Remittance Business Award

2009	Western Union (Asia Pacific)
2008	Western Union (Asia Pacific)
2007	ICICI Bank (India)
2006	ICICI Bank (India)

Best Retail Risk Management Award

2006	Australia and New Zealand Bank (Australia)
2005	National Australia Bank (Australia)
2004	HDFC Bank (India)

Best Credit Collection Award

2008

Taishin International Bank (Taiwan)

Best Wealth Management in China

2009

Bank of China

Best Mortgages and Home Loans in China

2009

China Merchants Bank

Best Internet Banking in China

2009

Industrial and Commercial Bank of China

Best Cards and Retail Payments in China

2009

China CITIC Bank

Best Channel and Distribution in China

2009

China Construction Bank

Best Customer Relationship Management in China

2009

Citibank (China)

Best Retail Banking Brand in China

2009

Shanghai Pudong Development Bank

Best Customer Relationship Management Award

2009	OCBC (Singapore)
2008	OCBC (Singapore)
2008	HSBC (Singapore) for Customer Loyalty Programme
2007	Taishin International Bank (Taiwan) for Best Customer Experience Initiative
2007	Abu Dhabi Commercial Bank (United Arab Emirates) for Best Customer Loyalty Programme

Best Brand Building Initiative

2009	Commonwealth Bank of Australia
2008	HSBC (Singapore)
2007	DBS/POSB Bank (Singapore)

Excellence in Employee Engagement

2009	Maybank (Singapore)
2008	Siam Commercial Bank (Thailand)
2007	E.Sun Bank (Taiwan)

Best Distribution Network Integration

2008	Commonwealth Bank of Australia
2007	HSBC (Hong Kong)
2006	OCBC (Singapore)
2005	ICICI Bank (India)
2004	Bangkok Bank (Thailand)

Excellence in Business Model Innovation

2009	Alliance Bank (Malaysia)
2008	ICICI Bank (India)
2007	Bank of Queensland (Australia)
2006	Abu Dhabi Commercial Bank (United Arab Emirates)
2005	China CITIC Bank (China)
2004	Taishin International Bank (Taiwan)
2002	RHB Bank (Malaysia)

The choice of the Best Retail Banker every year is someone whose overall achievement has made its mark, over and above his peers, in the region for retail financial services

2009	Mr Baek Soon Lee, President & Chief Executive Officer of Shinhan Bank (South Korea)
2008	Dr Ma Weihua, CEO of China Merchants Bank
2007	Mr Edmund Koh, President, Ta Chong Bank
2006	Mr Michael DeNoma, Group Executive Director of Consumer Banking, Standard Chartered Bank
2005	Mr Masamoto Yashiro, Director, Chairman of the Board, Shinsei Bank
2004	Ms Chanda Kochhar, Executive Director and Head of Retail, ICICI Bank
2003	Mr Wilson Chia, Head of Consumer Banking, Standard Chartered Singapore
2002	Ms Chen Xiaoyen, Head of Retail Banking, ICBC