Amid a rapidly evolving banking landscape, the winning bank has reinforced its leadership through strong financial performance, digital transformation and client-centric innovation. Despite industry headwinds, it achieved strong growth in retail deposits and maintained an industry-leading CASA ratio of over 60%, securing a strong low-cost funding base. Its commitment to digital excellence is evident in record-high digital wealth sales, seamless AI-driven engagement and data-powered advisory services that enhance customer experience and portfolio insights. At the same time, its strengthened fraud prevention measures ensure both security and convenience. For its robust financial growth, market-leading digital adoption and commitment to delivering superior banking experiences, Standard Chartered Hong Kong is awarded Best Retail Bank in Hong Kong and Best Retail Bank in Asia Pacific.