Taiwan Banks’ Foreign-Currency Deposits Top NT$16 Trillion on AI Export Boom

The artificial intelligence boom has increased cross-border procurement and investment by server, semiconductor and supply-chain companies, raising their need to manage funds for receipts and payments in U.S. dollars and other foreign currencies. Foreign-currency deposits and loans at Taiwan’s domestic banks, tracked by the Financial Supervisory Commission, have therefore become important gauges of export momentum, corporate investment and exchange-rate risk.

By the end of April, foreign-currency deposits at domestic banks were closing in on NT$16 trillion, while foreign-currency loans had climbed to NT$863.3 billion, both record highs. The latest growth was driven mainly by funding demand from AI-related companies, indicating that technology supply-chain expansion and overseas transactions continue to increase the scale of banks’ foreign-currency business.

Rising global investment in AI infrastructure is fueling capacity expansion among Taiwan’s AI server, high-performance computing and electronics suppliers. Companies need more foreign-currency funding for procurement, shipments and working capital. The rapid increase in foreign-currency lending by Taiwanese banks, a gauge of cross-border trade and corporate investment, also shows that AI-related business is spreading from manufacturing revenue to bank lending and trade finance.

Outstanding foreign-currency loans at Taiwanese banks exceeded NT$852.7 billion at the end of March 2026, an all-time high and up 68.89% from the same period in 2025. CTBC Bank, Taipei Fubon Bank and First Commercial Bank said revenue growth in AI servers, HPC and related electronics industries had generated strong demand for trade finance and working capital.