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 The 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 The 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"

ICBC

Best Retail Bank in Asia Pacific   Standard Chartered Bank (Hong Kong) Best Retail Bank in China     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   Africa   • South Africa - Standard Bank   • Egypt - National Bank of Egypt 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 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 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 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   Africa   • Kenya - Kenya Commercial Bank   • Nigeria - First Bank of Nigeria   • South Africa - Absa Bank   • Egypt - National Bank of Egypt 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 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 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 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 Download Press Release 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 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   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 Download Press Release 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 Download Press Release 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 Download Press Release 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

Press Release 2007

"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in The Asia Pacific   HSBC (Hong Kong)   Best Retail Banker 2006   Michael DeNoma, Group Executive Director of Consumer Banking,  Standard Chartered Bank   Best Regional Retail Business in The Asia Pacific   HSBC(Asia Pacific)   Best Non-Bank Financial Institution in The Asia Pacific   CitiFinancial (India)   Best Retail Bank in China   China Merchants Bank   Best Retail Bank in The Gulf States   Al Rajhi Bank (Kingdom of Saudi Arabia)   Best Retail Bank in Central Asia   Halyk Savings Bank of Kazakhstan (Kazakhstan)   Most Admired Bank Outside The Asia Pacific and Gulf Regions   Wells Fargo   Best Retail Banks by Country     Asia Pacific Australia -  Westpac Banking Corp.(Australia)   Bangladesh - Sonali Bank   Brunei - HSBC (Brunei)   China • 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) Hong Kong - HSBC   India - HDFC Bank   Indonesia - Bank Central Asia   Japan - Sumitomo Mitsui Banking Corp.   Malaysia - HSBC (Malaysia)   Pakistan - Standard Chartered (Pakistan)   Philippines - Bank of the Philippine Islands   Singapore -   DBS Bank   South Korea - Kookmin Bank   Sri Lanka -   Standard Chartered (Sri Lanka)   Taiwan - Taishin International Bank   Thailand - Siam Commercial Bank   Vietnam - HSBC (Vietnam)   Gulf States Kuwait - Gulf Bank   United Arab Emirates -   National Bank of Dubai   Qatar - Commercial Bank of Qatar   Saudi Arabia -   Al Rajhi Bank

Country Achievement Award

China   Mortgage Business – China Construction Bank   Wealth Management Business – Bank of China   Cards and Payments Business – China Merchants Bank   Branch Innovation – China CITIC Bank   Internet Banking – China Merchants Bank   Multi-Channel Retail Banking – Industrial and Commercial Bank of China   Retail Operations and Technology – Bank of Shanghai

Excellence in Products and Processes Awards (Asia Pacific and Gulf States)

Best Deposit-Linked Product Award  – Standard Chartered Bank (Singapore)   Best Retail Islamic Financing Product – Kuwait Finance House (Kuwait)   Best Internet-only Bank Award  - Sony Bank (Japan)   Best Retail Banking Branch Innovation Award - Emirates Bank (United Arabic Emirates)   Excellence in Automobile Lending Award - AmBank (Malaysia)   Excellence in Credit Card Management Award - Citibank (Singapore)   Excellence in Internet Banking Award (Platform)  - Chinatrust Commercial Bank (Taiwan)   Excellence in Internet Banking Award (Channel)  - HSBC Hong Kong   Excellence in Mobile Phone Banking (Japan)  - Sumitomo Mitsui Banking Corporation   Excellence in Mortgages and Home Equity Award  - Standard Chartered Bank (Hong Kong)   Excellence in Multi - Channel Distribution Award  - OCBC (Singapore)   Excellence in Retail Banking Strategy and Execution Award  - Abu Dhabi Commercial Bank (United Arabic Emirates)   Excellence in Retail Risk Management Award  - ANZ (Australia)   Excellence in Remittance Business  - ICICI Bank (India)   Excellence in Bancassurances (Joint Award)  - HSBC Hong Kong and hSBC Insurance (Asia Pacific)   Excellence in SME Banking Award  - Kasikornbank (Thailand)   Excellence in Sub-Prime Lending Award  - Bank Rakyat Indonesia (Indonesia)   Excellence in Wealth Management Award  - Citibank (Hong Kong)   Excellence in Retail Operations/Technology  - Commonwealth Bank of Australia (Australia)

Press Release 2006

"The Excellence in Retail Financial Services Award Winners"

Best Retail Bank in Asia   Hang Seng Bank (Hong Kong)   Best Retail Banker  2005   Mr. Masamoto Yashiro, Chairman of the Board, Shinsei Bank, Japan   Best Regional Retail Business in Asia   Hong Kong Shanghai Banking Corporation (Asia Pacific)   Best Non-Bank Financial Institution in Asia   GE Money (Thailand)   Best Retail Banks by Country   Australia -   Commonwealth Bank of Australia   Bangladesh - Sonali Bank   Brunei - HSBC (Brunei)   China • 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)   Hong Kong - Hang Seng Bank   India - ICICI Bank   Indonesia - Bank Central Asia   Japan - Shinsei Bank   Malaysia - Public Bank   Pakistan - Askari Commercial Bank   Philippines - Bank of the Philippine Islands   Singapore -   DBS Bank   South Korea - Kookmin Bank   Sri Lanka -   HSBC (Sri Lanka)   Taiwan - Taishin International Bank   Thailand - Siam Commercial Bank   Vietnam - Asia Commercial Bank

Excellence in Products and Processes Awards

Best Consumer Credit Product Award  - GE Money Singapore ("EzyCash")   Best Deposit-Linked Product Award  - Bank of East Asia, Hong Kong (Customised Equity Linked Deposit Products)   Best Internet-only Bank Award  - eBANK (Japan)   Best Retail Banking Branch Innovation Award - Siam Commercial Bank (Thailand)   Excellence in Automobile Lending Award - ICICI Bank (India)   Excellence in Credit Card Management Award - Taishin International Bank (Taiwan)   Best Credit Card Product Award - Hong Leong Bank, Malaysia, (Mobile Credit Card)   Excellence in Internet Banking Award - Shinsei Bank (Japan)   Excellence in Mortgages and Home Equity Award - E.SUN, Taiwan (Life-Cycle Based Mortgage Supermarket)   Excellence in Multi Channel Distribution Award - ICICI Bank (India)   Excellence in Retail Banking Strategy and Execution Award - China CITIC Bank (China)   Excellence in Retail Risk Management Award - National Australia Bank (Australia)   Excellence in Sub-Prime Lending Management Award - Bank Raykat Indonesia (Indonesia)   Excellence in Wealth Management Award  - Hang Seng Bank (Hong Kong)   Excellence in SME Banking Award - HSBC (Hong Kong)