Amid reciprocal tariffs and shifting global supply chains, Cathay United Bank remains steadfast, demonstrating stability and strong growth momentum. In 2025, the Bank delivered a strong net income after tax of TWD 43,500 million ($1.4 billion)—surpassing the TWD 40,000 million ($1.3 billion) mark and setting a new 10-year high. On January 29, 2026, Cathay United Bank held its Strategic Leadership Conference, where Chairman Andrew Kuo and senior management shared the Bank’s achievements over the past year. Chairman Kuo urged all employees to continue refining their skillsets, thereby laying the foundation for the Bank to become a leading regional Bank.

Cathay United Bank’s outstanding performance in 2025 was primarily driven by loan upscaling and deft management, which fueled double-digit growth in its net interest income and sustained its earnings momentum. In consumer banking, the transaction volume of credit cards continued to grow, reaching a historic high of TWD 855,700 million ($27.2 billion) in 2025 and outperforming its peers with double-digit growth. Furthermore, circulation of the CUBE Card, one of the Bank’s leading products, exceeded 6 million and boasted a remarkable activation rate. As for wealth management, the exceptional performance in both insurance and fund sales continued to drive service fee income. Meanwhile, the Bank also saw expansion in its corporate banking business and related income, with diversified businesses propelling its annual net service fee income.

In response to the government’s Asian Asset Management Center (AAMC) program, Cathay United Bank has strived to promote emerging financial businesses, taking the lead in establishing operations under the AAMC program in Kaohsiung and obtaining approval to provide virtual asset custody services. In addition, the Bank leveraged its AI technology and resources to create a joint learning mechanism to counter fraud, showcasing the innovation and diversity of its financial services.

Cathay United Bank’s stellar performance won praise from prominent financial news agencies worldwide. In 2025, the Bank was named as Taiwan’s best-performing bank by The Banker and was lauded as the best wealth management bank in Taiwan by The Asian Banker. With over 120 accolades under its belt, the Bank has distinguished itself in the fields of digital finance, corporate banking, and sustainable development. Moreover, Cathay United Bank has set its sights on international expansion. Following the Financial Supervisory Commission’s approval to establish branches in Mumbai, India, and Tokyo, Japan, along with a sub-branch in Fukuoka, the Bank will have 70 business locations across 13 countries and regions.

During the Strategic Leadership Conference, General Manager of Cathay United Bank, Daniel Teng, encouraged employees to focus on honing their skillsets, thereby elevating the service quality across all levels. Teng also thanked all employees for their efforts and dedication over the past year and wished them a happy Lunar New Year. Chairman Kuo later presented the Model Employee Awards and Long Service Awards to a total of 56 recipients.

In line with this focus on talent development and organizational excellence, Cathay United Bank has incorporated AI as one of its core strategies for financial innovation, aiming to enhance productivity, optimise risk management, improve service efficiency, and elevate the overall customer experience. The Bank continues to explore and deepen AI development across various application scenarios. To reinforce this strategy, Cathay United Bank is also promoting an “AI democratisation” initiative that enables employees to adopt AI tools more efficiently and in ways aligned with business needs, empowering teams to create tailored support tools based on their operational context. This year, the Bank will continue to strengthen its AI infrastructure and the application of emerging technologies, striving to become the most trusted financial partner for all stakeholders.

Re-disseminated by The Asian Banker