India and China sustained rapid expansion in small business bank loans, while Thailand and Indonesia faced stagnation or contraction amid rising credit risks, and financing constraints persisted in the Philippines.
India and China sustained rapid expansion in small business bank loans, while Thailand and Indonesia faced stagnation or contraction amid rising credit risks, and financing constraints persisted in the Philippines.
As geopolitical risk and foreign exchange volatility reshape corporate treasury strategies, companies are strengthening cash buffers, centralising liquidity and adopting real-time digital tools to maintain visibility and control. API integration and AI-driven automation have become central tools in transforming cash management functions.
North America and Asia Pacific banks retain the strongest balance sheet positions, while the global banking sector remains broadly resilient. Returns remain steady, while banks report enhanced efficiency and income diversification, accompanied by generally robust asset quality, capitalisation and liquidity
In Asia Pacific’s fragmented payments landscape, demand for faster and more transparent multi-currency payment solutions is rising as corporates expand businesses regionally. Banks are shifting from standardised offerings to integrated, AI-enabled solutions that balance security and compliance.
Overall balance sheet growth in Asia Pacific and North America slowed amid weak credit demand, cautious lending and regulatory prudence, while European banks rebounded modestly and Middle Eastern banks saw accelerated expansion, fueled by government-backed investment projects.
The TAB Global World’s 100 Best CIW Banks Ranking 2025 shows that leadership is shaped less by profitability and more by strategic focus. Global giants dominate through assets and reach, while regional champions prove that efficiency and digital capability can rival size in defining success
As Asia Pacific’s trade and payment flows accelerate, leading banks in the region are embedding finance into client ecosystems, orchestrating modular platforms and scaling AI for resilient, sustainable growth.