Hong Kong maintains a three-tier system of deposit-taking institutions, i.e. licensed banks, restricted licence banks and deposit-taking companies. They are collectively known as “authorised institutions” supervised by theHong Kong Monetary Authority (HKMA).[1]
As one of the top fivefinancial centres worldwide, Hong Kong has one of the highest concentrations of banking institutions in the world, with 70 of the largest 100 banks in the world having an operation in Hong Kong.
Only licensed banks may operatecurrent andsavings accounts, accept deposits of any size andmaturity from the public, and pay or collect cheques drawn, or paid in, by customers.
According to the Register of Authorized Institutions and Local Representative Offices maintained by HKMA, there were 32 locally incorporated banks in Hong Kong as of November 30, 2025, eight of which were digital banks.[2] As of July 29, 2025, all locally incorporated banks are members of the Deposit Protection Scheme.[3]
| Banks incorporated in Hong Kong | |||||
|---|---|---|---|---|---|
| Clearing code | Bank name | Chinese name | Established | SWIFT-BIC | Notes |
| 003 | Standard Chartered Bank (Hong Kong) | 渣打銀行（香港） | 1859 | SCBLHKHH | |
| 004 | The Hongkong and Shanghai Banking Corporation | 香港上海滙豐銀行 | 1865 | HSBCHKHHHKH | |
| 009 | China Construction Bank (Asia) | 中國建設銀行（亞洲） | 1912 | PCBCHKHH | |
| 012 | Bank of China (Hong Kong) | 中國銀行（香港） | 1917 | BKCHHKHH | |
| 015 | The Bank of East Asia | 東亞銀行 | 1918 | BEASHKHH | |
| 016 | DBS Bank (Hong Kong) | 星展銀行（香港） | 1921 | DBSSHKHH | |
| 018 | China CITIC Bank International | 中信銀行（國際） | 1922 | KWHKHKHH | |
| 020 | CMB Wing Lung Bank | 招商永隆銀行 | 1933 | WUBAHKHH | |
| 024 | Hang Seng Bank | 恒生銀行 | 1933 | HASEHKHH | |
| 025 | Shanghai Commercial Bank | 上海商業銀行 | 1950 | SCBKHKHH | |
| 028 | Public Bank (Hong Kong) | 大眾銀行（香港） | 1934 | CBHKHKHH | |
| 035 | OCBC Bank (Hong Kong) | 華僑銀行（香港） | 1937 | WIHBHKHH | |
| 038 | Tai Yau Bank [zh] | 大有銀行 | 1947 | TYBLHKKW | |
| 039 | Chiyu Banking Corporation | 集友銀行 | 1947 | CIYUHKHH | |
| 040 | Dah Sing Bank | 大新銀行 | 1947 | DSBAHKHH | |
| 041 | Chong Hing Bank | 創興銀行 | 1948 | LCHBHKHH | |
| 043 | Nanyang Commercial Bank | 南洋商業銀行 | 1949 | NYCBHKHH | |
| 061 | Tai Sang Bank | 大生銀行 | 1937 | TSBLHKHH | |
| 072 | Industrial and Commercial Bank of China (Asia) | 中國工商銀行（亞洲） | 1964 | ICBKHKHH | |
| 128 | Fubon Bank (Hong Kong) | 富邦銀行（香港） | 1982 | TPBKHKHH | |
| 250 | Citibank (Hong Kong) | 花旗銀行（香港） | 2005 | CITIHKAX | |
| 382 | Bank of Communications (Hong Kong) | 交通銀行（香港） | 2014 | COMMHKHK | |
| 384 | Morgan Stanley Bank Asia | 摩根士丹利銀行（亞洲） | 2014 | MSHKHKHX | |
| 398 | Bank of Dongguan International | 東莞銀行（國際） | 2025 | GUATHKHH | |
| Digital Banks | |||||
| Clearing code | Bank name | Chinese name | Established | SWIFT-BIC | Notes |
| 387 | ZA Bank | 眾安銀行 | 2020 | AABLHKHH | |
| 388 | Livi Bank | 理慧銀行 | 2019 | LIVIHKHH | |
| 389 | Mox Bank [zh] | N/a | 2020 | MOXBHKHH | |
| 390 | WeLab Bank | 匯立銀行 | 2020 | WEDIHKHH | |
| 391 | Fusion Bank | 富融銀行 | 2020 | IFFUHKHH | |
| 392 | PAO Bank | N/a | 2020 | PONCHKHH | |
| 393 | Ant Bank (Hong Kong) | 螞蟻銀行（香港） | 2020 | ASEHHKHH | |
| 395 | Airstar Bank | 天星銀行 | 2020 | AIRRHKHH | |
According to the Register of Authorized Institutions and Local Representative Offices maintained by HKMA, there were 117 banks incorporated outside Hong Kong as of November 30, 2025, eight of which were digital banks.[2] As of July 29, 2025, all banks incorporated outside Hong Kong are members of the Deposit Protection Scheme.[3]
Due to the lack of publicly available financial disclosures specific to their Hong Kong branches, certain overseas banks are excluded from this list. These institutions do not publish separate financial statements for their Hong Kong operations. As a result, their asset data has not been included. Examples of such banks include Hong Leong Bank Hong Kong Branch, Chugoku Bank Hong Kong Branch, Chiba Bank Hong Kong Branch, and Bank Negara Indonesia Hong Kong Branch.
| Licensed banks in Hong Kong ranked by consolidated total assets (2024) | |||
|---|---|---|---|
| Notes: ‡: The registered banking entity holds multiple domestic and international legal entities with substantial assets. Accordingly, its financial statements reflect the full consolidation of controlled subsidiaries—typically defined as those where the bank holds more than 50% of voting rights—in compliance with International Financial Reporting Standard 10 (IFRS 10): Consolidated Financial Statements. §: The reported figures are based on combined estimates for the local bank and the Hong Kong branch of an overseas bank operating under the same holding group; these data are intended for indicative comparison purposes only. | |||
| Ranking | Bank name | Total assets (HK$m) | |
| 1 | HSBC Hong Kong‡ | 10,948,940[4] | |
| Hang Seng Bank‡ | 1,795,196[5] | ||
| 2 | Bank of China§ | 4,213,257 | |
| Bank of China (Hong Kong)‡ | 4,011,306[6] | ||
| Bank of ChinaHong Kong Branch | 201,951[7] | ||
| 3 | Standard Chartered Hong Kong‡ | 2,569,032[8] | |
| Mox Bank | 21,027[9] | ||
| 4 | Industrial and Commercial Bank of China§ | 1,158,945 | |
| Industrial and Commercial Bank of China (Asia)‡ | 970,165[10] | ||
| Industrial and Commercial Bank of ChinaHong Kong Branch | 188,780[11] | ||
| 5 | Citibank§ | 898,019 | |
| Citibank (Hong Kong) | 321,529[12] | ||
| Citibank, N.A.Hong Kong Branch | US$73,909m (~HK$576,490m)[13] | ||
| 6 | Bank of East Asia | 877,759[14] | |
| 7 | Bank of Communications§ | 815,263 | |
| Bank of Communications (Hong Kong)‡ | 433,648.53[15] | ||
| Bank of CommunicationsHong Kong Branch | 381,614.88[16] | ||
| 8 | DBS Bank§ | 814,264 | |
| DBS Bank (Hong Kong) | 491,823[17] | ||
| DBS BankHong Kong Branch | 322,441[18] | ||
| 9 | China Construction Bank§ | 761,889 | |
| China Construction Bank (Asia)‡ | 522,251.81[19] | ||
| China Construction BankHong Kong Branch | 239,637.08[20] | ||
| 10 | Agricultural Bank of ChinaHong Kong Branch | 616,210.3[21] | |
| 11 | China Merchants Bank§ | 588,613 | |
| CMB Wing Lung Bank | 453,053.14[22] | ||
| China Merchants BankHong Kong Branch | 135,559.43[23] | ||
| 12 | OCBC Bank§ | 563,271 | |
| OCBC Bank (Hong Kong)‡ | 390,672[24] | ||
| OCBC HongHong Kong Branch | 148,411.99[25] | ||
| Bank of SingaporeHong Kong Branch | 24,186.61[26] | ||
| 13 | Nanyang Commercial Bank | 541,084.29[27] | |
| 14 | China CITIC Bank§ | 491,833 | |
| China CITIC Bank International | 489,295[28] | ||
| China CITIC BankHong Kong Branch | 2,538.078[29] | ||
| 15 | BNP ParibasHong Kong Branch | 434,815.36[30] | |
| 16 | Mizuho BankHong Kong Branch | 388,120.78[31] | |
| 17 | UBSHong Kong Branch | 337,008[32] | |
| 18 | MUFG Bank§ | 324,426 | |
| MUFG BankHong Kong Branch | 306,458.38[33] | ||
| MUFG Trust and Banking CorporationHong Kong Branch | 17,968.07[34] | ||
| 19 | Chong Hing Bank‡ | 321,864[35] | |
| 20 | Crédit Agricole Corporate and Investment BankHong Kong Branch | 259,390.56[36] | |
| 21 | Industrial BankHong Kong Branch | 259,058.3[37] | |
| 22 | United Overseas BankHong Kong Branch | 247,593.54[38] | |
| 23 | Dah Sing Bank‡ | 247,306[39] | |
| 24 | Taipei Fubon Commercial Bank§ | 244,525 | |
| Fubon Bank (Hong Kong) | 160,251.75[40] | ||
| Taipei Fubon Commercial BankHong Kong Branch | 84,273.29[41] | ||
| 25 | Shanghai Commercial Bank | 227,431.01[42] | |
| 26 | China Minsheng Banking CorporationHong Kong Branch | 211,863.57[43] | |
| 27 | Sumitomo Mitsui Banking CorporationHong Kong Branch | 210,603.44[44] | |
| 28 | JPMorgan Chase Bank, N.A.Hong Kong Branch | 209,992[45] | |
| 29 | China Development BankHong Kong Branch | 203,018.54[46] | |
| 30 | China Everbright BankHong Kong Branch | 186,696.72[47] | |
| 31 | Shanghai Pudong Development BankHong Kong Branch | 181,430.24[48] | |
| 32 | Chiyu Banking Corporation‡ | 179,247[49] | |
| 33 | Deutsche BankHong Kong Branch | 158,178[50] | |
| 34 | ANZ BankHong Kong Branch | 157,408.41[51] | |
| 35 | Banco SantanderHong Kong Branch | 152,049.83[52] | |
| 36 | State Bank of IndiaHong Kong Branch | 131,980.32[53] | |
| 37 | CTBC BankHong Kong Branch | 107,524.03[54] | |
| 38 | Bank of AmericaHong Kong Branch | 94,282.97[55] | |
| 39 | Société GénéraleHong Kong Branch | 90,585.4[56] | |
| 40 | Coöperatieve Rabobank U.A.Hong Kong Branch | 78,811.07[57] | |
| 41 | ING BankHong Kong Branch | 77,278[58] | |
| 42 | Intesa SanpaoloHong Kong Branch | 75,859.53[59] | |
| 43 | Bangkok BankHong Kong Branch | 74,075[60] | |
| 44 | Sumitomo Mitsui Trust BankHong Kong Branch | 73,695.48[61] | |
| 45 | Banque Pictet & Cie SAHong Kong Branch | 73,422.25[62] | |
| 46 | NatixisHong Kong Branch | 67,748.53[63] | |
| 47 | Morgan Stanley Bank Asia | US$8,497.73m (~HK$66,282m)[64] | |
| 48 | State Street Bank & Trust CompanyHong Kong Branch | 65,582[65] | |
| 49 | E.SUN Commercial BankHong Kong Branch | 63,585.11[66] | |
| 50 | LGT Bank (Liechtenstein)Hong Kong Branch | 63,423.18[67] | |
| 51 | Bank Julius Baer & CoHong Kong Branch | 60,411.47[68] | |
| 52 | Royal Bank of CanadaHong Kong Branch | 50,591.96[69] | |
| 53 | Banco Bilbao Vizcaya Argentaria S.A.Hong Kong Branch | 45,828.41[70] | |
| 54 | MaybankHong Kong Branch | 45,770.72[71] | |
| 55 | Bank SinoPacHong Kong Branch | 41,647.89[72] | |
| 56 | BNY MellonHong Kong Branch | 41,583.53[73] | |
| 57 | Public Bank (Hong Kong)‡ | 39,849.82[74] | |
| 58 | Mega International Commercial BankHong Kong Branch | 38,250.56[75] | |
| 59 | Cathay United BankHong Kong Branch | 35,299.93[76] | |
| 60 | Erste Group BankHong Kong Branch | 31,811.67[77] | |
| 61 | Woori BankHong Kong Branch | 31,403.24[78] | |
| 62 | Taishin International BankHong Kong Branch | 31,297.39[79] | |
| 63 | DZ BankHong Kong Branch | 29,918[80] | |
| 64 | ScotiabankHong Kong Branch | 26,835.91[81] | |
| 65 | Bank of Dongguan§ | 26,014 | |
| Bank of Dongguan International | 878.918[82] | ||
| Bank of DongguanHong Kong Branch | 25,135.46[83] | ||
| 66 | Commonwealth BankHong Kong Branch | 25,512.81[84] | |
| 67 | Industrial Bank of KoreaHong Kong Branch | 25,459.62[85] | |
| 68 | Shinhan BankHong Kong Branch | 25,330.25[86] | |
| 69 | Canadian Imperial Bank of CommerceHong Kong Branch | 22,713.46[87] | |
| 70 | ZA Bank | 22,336.19[88] | |
| 71 | Hua Nan Commercial BankHong Kong Branch | 21,784.51[89] | |
| 72 | Crédit Industriel et CommercialHong Kong Branch | 21,171.63[90] | |
| 73 | CIMB BankHong Kong Branch | 19,920.78[91] | |
| 74 | Mashreq BankHong Kong Branch | 19,848.76[92] | |
| 75 | East West BankHong Kong Branch | 19,200.53[93] | |
| 76 | First Abu Dhabi Bank PJSCHong Kong Branch | 18,581.08[94] | |
| 77 | First Commercial BankHong Kong Branch | 18,303.7[95] | |
| 78 | O-Bank (Industrial Bank of Taiwan)Hong Kong Branch | 18,075.75[96] | |
| 79 | BarclaysHong Kong Branch | 17,871[97] | |
| 80 | EFG BankHong Kong Branch | 16,671.09[98] | |
| 81 | KEB HanaHong Kong Branch | 14,736.53[99] | |
| 82 | Chang Hwa Commercial BankHong Kong Branch | 14,643.39[100] | |
| 83 | J. Safra SarasinHong Kong Branch | 14,611.19[101] | |
| 84 | Bank of IndiaHong Kong Branch | 14,583.94[102] | |
| 85 | Bank of TaiwanHong Kong Branch | 13,985.7[103] | |
| 86 | UCO BankHong Kong Branch | 12,651.57[104] | |
| 87 | Indian Overseas BankHong Kong Branch | 12,254.64[105] | |
| 88 | Taiwan Shin Kong Commercial BankHong Kong Branch | 12,053.78[106] | |
| 89 | Shanghai Commercial and Savings BankHong Kong Branch | 9,477.2[107] | |
| 90 | ICICI BankHong Kong Branch | 9,405[108] | |
| 91 | Land Bank of TaiwanHong Kong Branch | 8,362.03[109] | |
| 92 | WeLab Bank | 8,291.35[110] | |
| 93 | BDO UnibankHong Kong Branch | 7,469.46[111] | |
| 94 | Taiwan Cooperative BankHong Kong Branch | 6,925.57[112] | |
| 95 | KBC BankHong Kong Branch | 6,730.13[113] | |
| 96 | Taiwan Business BankHong Kong Branch | 6,482.72[114] | |
| 97 | Livi Bank | 5,964.07[115] | |
| 98 | Fusion Bank | 5,677.51[116] | |
| 99 | PAObank | 5,274.53[117] | |
| 100 | Far Eastern International BankHong Kong Branch | 4,799.88[118] | |
| 101 | Ant Bank (Hong Kong) | 4,761.89[119] | |
| 102 | HDFC BankHong Kong Branch | 4,291.37[120] | |
| 103 | Cathay BankHong Kong Branch | 4,027.29[121] | |
| 104 | Airstar Bank | 3,255.09[122] | |
| 105 | Yuanta Commercial BankHong Kong Branch | 2,901.2[123] | |
| 106 | Tai Yau Bank | 1,963.98[124] | |
| 107 | Wells Fargo BankHong Kong Branch | 1,504.83[125] | |
| 108 | Tai Sang Bank | 1,063.43[126] | |
According to the Register of Authorized Institutions and Local Representative Offices disclosed by the Hong Kong Monetary Authority (HKMA), there were a total of nine restricted licence banks as of November 30, 2025.[2]
| Clearing code | Bank name | Chinese bame | Established | SWIFT-BIC | Notes |
|---|---|---|---|---|---|
| 402 | Allied Banking Corporation (Hong Kong) | 新聯銀行 | 1978 | ABCHHKHH | |
| 321 | Bank of China International | 中銀國際 | 1970 | CDFCHKHH | |
| 372 | Bank of Shanghai (Hong Kong) | 上海銀行（香港） | 2013 | BOSHHKHH | |
| - | Citicorp International | 花旗國際 | 1970 | CILIHKH1 | |
| - | Goldman Sachs Asia Bank | 高盛亞洲 | 2015 | GSHBHKHK | |
| 322 | Habib Bank Zurich (Hong Kong) | 恆比銀行蘇黎世 | 1979 | HFLIHKHH | |
| 375 | J.P. Morgan Securities (Asia Pacific) | 摩根大通證券 | 1971 | CHASHKAL | |
| 318 | KDB Asia | 產銀亞洲金融 | 1986 | KODBHKHH | |
| - | Orix Asia | 歐力士（亞洲） | 1971 | ORIAHKH1 |
According to the Register of Authorized Institutions and Local Representative Offices disclosed by the Hong Kong Monetary Authority (HKMA), there were a total of seven restricted licence banks incorporated outside Hong Kong as of November 30, 2025.[2]
| Clearing code | Headquarters | Bank Name | Established | SWIFT-BIC | Notes |
|---|---|---|---|---|---|
| - |  Netherlands | ABN AMRO Clearing Bank | 2025 | ABNCNL2A | |
| - |  United Kingdom | Access Bank UK | 2023 | ABNGHKHH | |
| 480 |  Indonesia | Bank Mandiri | 1999 | BMRIHKHH | |
| - |  Belgium | Euroclear Bank | 2008 | MGTCBEBE | |
| 380 |  Thailand | KASIKORNBANK | 2010 | KASIHKHH | |
| 396 |  South Korea | Korea Development Bank | 2021 | KDHKHKHH | |
| 487 | Thailand | Siam Commercial Bank | 1999 | SICOHKHH |
Deposit-taking companies are mostly owned by, or associated with, banks. These companies engage in specialised activities, such as consumer finance and securities business. They may take deposits of HK$100,000 or above with an original term of maturity of at least three months. According to the Register of Authorized Institutions and Local Representative Offices disclosed by the Hong Kong Monetary Authority (HKMA), there were a total of 11 deposit-taking companies as of November 30, 2025.[2]
| Clearing code | Bank Name | Chinese Name | Established | SWIFT-BIC | Notes |
|---|---|---|---|---|---|
| 290 | BCOM Finance (Hong Kong) | 交通財務 | 1979 | BMHKHKH1 | |
| 292 | Wealth Hong Kong | 1974 | BPIIHKHH | ||
| 299 | Chau's Brothers Finance | 周氏兄弟財務 | 1980 | CHBRHKH1 | |
| 254 | Chong Hing Finance | 創興財務 | 1971 | LCHIHKH1 | |
| 305 | Corporate Finance (D.T.C.) | 協聯財務 | 1977 | COFLHKH1 | |
| 204 | Fubon Credit (Hong Kong) | 富邦財務（香港） | 1977 | ICRLHKH1 | |
| 244 | KEB Hana Global Finance | 換銀韓亞環球財務 | 2009 | KOEXHKHA | |
| 247 | Kexim Asia | 2004 | KEXAHKHH | ||
| 214 | Public Finance | 大眾財務 | 1977 | JLFCHKH1 | |
| 255 | Vietnam Finance | 越南財務 | 1978 | BFTVHKHH | |
| 275 | Woori Global Markets Asia | 友利投資金融 | 2006 | HVBKHKHH |
Overseas banks may establish local representative offices in Hong Kong, but they are not allowed to engage in any banking business and their role is confined mainly to liaison work between the bank and its customers in Hong Kong. According to the Register of Authorized Institutions and Local Representative Offices disclosed by the Hong Kong Monetary Authority (HKMA), there were a total of 27 banks incorporated outside Hong Kong that maintained local representative offices as of November 30, 2025.[2]
| Headquarters | Bank name | Established | SWIFT-BIC | Notes |
|---|---|---|---|---|
 Mauritius | ABC Banking Corporation | 2017 | ABCKMUMU | |
 Japan | Ashikaga Bank | 1996 | ASIKJPJT | |
 Italy | Banco BPM | 2017 | BAPPIT22 | |
 Brazil | Banco Bradesco | 2007 | BBDEBRSP | |
 Mainland China | Bank of Beijing | 2008 | BJCNCNBJ | |
| Japan | Bank of Fukuoka | 1999 | FKBKHKH1 | |
| Japan | Bank of Kyoto | 1989 | BOKFJPJZ | |
| Japan | Bank of Yokohama | 1999 | HAMAJPJT | |
| Indonesia | Bank Rakyat Indonesia | 1989 | BRINIDJA | |
 Switzerland | Banque cantonale de Genève | 2009 | BCGECHGG | |
 France | Banque Transatlantique | 2011 | CMCIFRP1 | |
 Liechtenstein | Bendura Bank | 2018 | HYIBLI22 | |
 Spain | CaixaBank | 2017 | CAIXESBB | |
 Cambodia | Canadia Bank | 2024 | CADIKHPP | |
 Luxembourg | Clearstream Banking | 1990 | CEDELULL | |
| Switzerland | Dukascopy Bank | 2012 | DUBACHGG | |
| Mainland China | Export-Import Bank of China | 2002 | EIBCCNBJ | |
| Switzerland | Habib Bank Zurich | 1979 | HBZUCHZZ | |
 Canada | Manulife Bank of Canada | 2015 | HUCTCA21 | |
 Philippines | Metropolitan Bank and Trust Company | 1973 | MBTCPHMM | |
| Canada | National Bank of Canada | 1999 | BNDCCAMM | |
| Japan | Nishi-Nippon City Bank | 2004 | NISIJPJT | |
| Japan | Oita Bank | 1992 | OITAJPJT | |
| Japan | Resona Bank | 2003 | DIWAJPJT | |
| Japan | Shoko Chukin Bank | 1990 | SKCKJPJT | |
| Switzerland | Swissquote Bank | 2014 | SWQBCHZZ | |
| Japan | Yamaguchi Bank | 2004 | YMBKJPJT |
According to the Register of SVF Licensees disclosed by the Hong Kong Monetary Authority (HKMA), there were a total of 15 SVF licensees as of November 30, 2025.[127]
| Clearing code | SVF | Register name | Established | Notes |
|---|---|---|---|---|
| 949 | SVF0001 | Octopus Cards | 2016 | |
| 935 | SVF0002 | HKT Payment | 2016 | |
| 948 | SVF0004 | Alipay Financial Services (HK) | 2016 | |
| 931 | SVF0005 | WeChat Pay Hong Kong | 2016 | |
| - | SVF0008 | PayPal Hong Kong | 2016 | |
| 934 | SVF0009 | UniCard Solution | 2016 | |
| 933 | SVF0010 | 33 Financial Services | 2016 | |
| 930 | SVF0011 | ePaylinks Technology | 2016 | |
| 952 | SVF0012 | Autotoll | 2016 | |
| 955 | SVF0014 | Yintran Group Holdings | 2019 | |
| - | SVF0016 | RD Wallet Technologies | 2022 | |
| 954 | SVFB002 | The Hongkong and Shanghai Banking Corporation | 2016 | |
| - | SVFB006 | Dah Sing Bank | 2016 | |
| 012[a] | SVFB072 | Bank of China (Hong Kong) | 2016 | |
| - | SVFB320 | Bank of Communications (Hong Kong) | 2016 |
 |
| Traditional Banks |
|
|---|---|
| Virtual Banks |
|
