Taiwan Banks’ Foreign-Currency Deposits Top NT$15.26 Trillion at End-January, Second Highest on Record
Foreign-currency deposits at Taiwan’s domestic banks reflect the amount of U.S. dollars and other foreign currencies held by companies and individuals, while also affecting banks’ foreign-currency liquidity and lending capacity. In early 2026, companies’ growing need for foreign currency for cross-border transactions, trade payments and treasury management kept such deposits above NT$15 trillion, making them a key gauge of fund flows.
The Financial Supervisory Commission’s latest data showed that foreign-currency deposits at domestic banks exceeded NT$15.26 trillion at the end of January 2026. Although down from their peak, they remained at the second-highest level on record. Corporate clients’ treasury operations and trade payments were the main factors. Six major banks, including CTBC Bank, Taipei Fubon Bank and Mega International Commercial Bank, each continued to hold more than NT$1 trillion in foreign-currency deposits.
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The history behind this eventTaiwan Banks’ Deposits Surge Record NT$1.05 Trillion in April
Deposits at Taiwan’s domestic banks reflect corporate cash management, investment activity and liquidity across the financial system. They are also a key source of funding for bank lending. Financial Supervisory Commission data for April 2026 showed that a concentration of large corporate payments and investment inflows drove an unusually sharp monthly increase in deposits, highlighting shifts in corporate fund flows.
Domestic banks’ deposit balances jumped NT$1.05 trillion from March in April 2026, the largest monthly increase on record. CTBC Bank led all domestic banks in both deposit and loan growth. The banking sector’s nonperforming loan ratio remained low at 0.15% that month, indicating that asset quality stayed sound despite the rapid inflow of funds.
國銀 3 月外幣存款突破 15 兆元 續創歷史新高
2026 年 3 月底本國銀行外幣存款餘額達 15.68 兆台幣，連續六個月站穩 15 兆元大關。此次創新高主因受惠於美元升值趨勢，以及 AI 相關產業出口強勁帶動貨款挹注，反映出企業資金調度與資產配置需求。
Taiwan Banks’ Foreign-Currency Deposits Hit Record NT$15.4 Trillion in February
Foreign-currency deposits reflect corporate cross-border payments and receipts, overseas investment and banks’ foreign-currency funding allocations. Financial Supervisory Commission data showed that the balance at Taiwan’s domestic banks rose to NT$15.4019 trillion at the end of February, surpassing NT$15.4 trillion to set a record high as corporate demand for foreign-currency funds continued to grow.
The latest increase was driven mainly by payments credited to corporate accounts, the repatriation of investment funds and companies reallocating funds for operational needs. CTBC Bank led domestic banks with NT$1.53 trillion in foreign-currency deposits at the end of February, making it a major contributor to the overall increase.
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