Taiwan Banks’ Foreign-Currency Deposits Hit Record NT$15.4 Trillion in February

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。

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.

Foreign-currency deposits reflect export proceeds, overseas investment funds and hedging demand among companies, making them an important gauge of foreign-exchange liquidity in Taiwan’s banking system. Financial Supervisory Commission data show that corporate revenue and investment funds continued to flow into such accounts. Expansion and higher capital spending across the AI supply chain also boosted demand for corporate foreign-currency financing.

The FSC said foreign-currency deposits at domestic banks approached NT$15.4 trillion at the end of December 2025, setting a record for the sixth consecutive month. Driven by demand from the AI industry, outstanding foreign-currency loans rose 30.57% from a year earlier and recorded double-digit annual growth for the eighth straight month, indicating that funding demand among related companies remained strong.