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 “authorized institutions” supervised by the Hong Kong Monetary Authority (HKMA).[1]
As one of the top five financial 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. As of 2019, there were 164 licensed banks, 17 restricted licence banks and 13 deposit-taking companies in business, constituting a total of 194 authorized institutions. In addition, there are 42 local representative offices of foreign banks in Hong Kong.[2]
Only licensed banks may operate current and savings accounts, accept deposits of any size and maturity from the public, and pay or collect cheques drawn, or paid in, by customers.
| Clearing Code | Bank Name | Chinese Name | Established | SWIFT-BIC | |
|---|---|---|---|---|---|
| 012 | Chinese: 中國銀行(香港) | 1917 | BKCHHKHH | ||
| 027 | Chinese: 交通銀行(香港) | 1934 | COMMHKHH | ||
| 015 | Chinese: 東亞銀行 | 1918 | BEASHKHH | ||
| 018 | Chinese: 中信銀行國際 | 1922 | KWHKHKHH | ||
| 009 | Chinese: 中國建設銀行(亞洲)股份 | 1912 | PCBCHKHH | ||
| 039 | Chinese: 集友銀行 | 1947 | CIYUHKHH | ||
| 041 | Chinese: 創興銀行 | 1948 | LCHBHKHH | ||
| 250 | Chinese: 花旗銀行(香港) | 1902 | CITIHKAX | ||
| 040 | Chinese: 大新銀行 | 1947 | DSBAHKHH | ||
| 016 | Chinese: 星展銀行(香港) | 1921 | DBSSHKHH | ||
| 128 | Chinese: 富邦銀行(香港) | 1971 | IBALHKHH | ||
| 024 | Chinese: 恒生銀行 | 1933 | HASEHKHH | ||
| 004 | Chinese: 香港上海滙豐銀行 | 1865 | HSBCHKHH | ||
| 072 | Chinese: 中國工商銀行(亞洲) | 1964 | ICBKHKHH | ||
| 043 | Chinese: 南洋商業銀行 | 1949 | NYCBHKHH | ||
| 035 | Chinese: 華僑銀行(香港) | 1932 | WIHBHKHH | ||
| 028 | Chinese: 大眾銀行(香港) | 1934 | CBHKHKHH | ||
| 025 | Chinese: 上海商業銀行 | 1950 | SCBKHKHH | ||
| 003 | Chinese: 渣打銀行(香港) | 1859 | SCBLHKHH | ||
| 061 | Tai Sang Bank | Chinese: 大生銀行 | 1937 | TSBLHKHH | |
| 038 | Chinese: 大有銀行 | 1947 | TYBLHKKW | ||
| 020 | Chinese: 招商永隆銀行 | 1933 | WUBAHKHH |
| Clearing Code | Bank Name | Chinese Name | Established | Began Operating Publicly | Owners | |
|---|---|---|---|---|---|---|
| 395 | Airstar Bank Limited | Chinese: 天星銀行 | 13 July 2018 | 11 June 2020 | Xiaomi (90%), AMTD Group (10%) | |
| 393 | Ant Bank (Hong Kong) Limited | Chinese: 螞蟻銀行(香港) | 16 August 2018 | 28 September 2020 | Ant Financial (100%) | |
| 391 | Fusion Bank Limited | Chinese: 富融銀行 | 31 July 2018 | 21 December 2020 | Tencent, ICBC Asia, HKEx, Hillhouse Capital | |
| 388 | Livi Bank Limited | Chinese: 理慧銀行 | 18 March 2019 | 12 August 2020 | Bank of China (Hong Kong) (44%), JD Digits (36%), Jardine Matheson (20%) | |
| 389 | / | 15 April 2019 | 22 September 2020 | Standard Chartered Hong Kong (65.1%), Hong Kong Telecom (15%), PCCW (10%), Trip.com Group (9.9%) | ||
| 392 | Ping An OneConnect Bank (Hong Kong) Limited | Chinese: 平安壹賬通銀行(香港) | 7 December 2018 | 29 September 2020 | OneConnect Financial Technology Company Limited (100%) | |
| 390 | WeLab Bank Limited | Chinese: 匯立銀行 | 21 August 2018 | 30 July 2020 | WeLab (100%) | |
| 387 | ZA Bank Limited | Chinese: 眾安銀行 | 8 February 2019 | 24 March 2020 | ZhongAn Online (51%), Sinolink Worldwide (49%) |
| Clearing Code | Bank Name | Chinese Name | Established | Country of Origin | |
|---|---|---|---|---|---|
| 307 | Chinese: 荷蘭銀行 |  Netherlands | |||
| 222 | Chinese: 中國農業銀行 | 1979 |  China | ||
| 256 |  India | ||||
| 152 | Chinese: 澳洲紐西蘭銀行集團 |  Australia | |||
| 261 | India | ||||
| 350 |  Switzerland | ||||
| 234 | Chinese: 意大利西雅那銀行香港分行 |  Italy | |||
| 147 | Chinese: 西班牙對外銀行 |  Spain | |||
| 267 | Chinese: 桑坦德銀行 | Spain | |||
| 049 | Chinese: 盤谷銀行 |  Thailand | |||
| 278 | Chinese: 瑞士嘉盛銀行 | Switzerland | |||
| 055 | Chinese: 美國銀行 |  United States | |||
| 259 | Chinese: 巴魯達銀行 | India | |||
| 012 | Chinese: 中國銀行 | 1917 | China | ||
| 027 | Chinese: 交通銀行有限公司 | 1934 | China | ||
| 058 | Chinese: 印度銀行 | India | |||
| 066 | Chinese: 印尼國家銀行 |  Indonesia | |||
| 139 | Chinese: 紐約梅隆銀行有限公司 | United States | |||
 Philippines | |||||
| 201 | Chinese: 臺灣銀行 | 1897 | Taiwan | ||
| 047 | Chinese: 三菱UFJ銀行 |  Japan | |||
| 272 | Chinese: 新加坡銀行有限公司 |  Singapore | |||
| 241 | Chinese: 永豐金融控股公司 | 1992 | Taiwan | ||
| 074 | Chinese: 巴克萊銀行 | 1690 |  United Kingdom | ||
| 067 | Philippines | ||||
| 056 | Chinese: 法國巴黎銀行香港 |  France | |||
| 275 | France | ||||
| Chinese: 法國巴黎財富管理銀行 | France | ||||
| 092 | Chinese: 加拿大帝國商業銀行 |  Canada | |||
| 262 | India | ||||
| 263 | Chinese: 國泰銀行 | United States | |||
| Chinese: 國泰世華銀行 | 1975 | Taiwan | |||
| 206 | Chinese: 彰化銀行 | 1905 | Taiwan | ||
| 170 | Chinese: 千葉銀行 | Japan | |||
| 009 | Chinese: 中國建設銀行(亞洲)股份有限公司 | 1912 | China | ||
| 276 | Chinese: 國家開發銀行 | 1994 | China | ||
| 368 | Chinese: 中國光大控股有限公司 | 1992 | China | ||
| 238 | Chinese: 招商銀行股份有限公司 | 1987 | China | ||
| 353 | Chinese: 中國民生銀行 | 1996 | China | ||
| 202 | Japan | ||||
| 374 |  Malaysia | ||||
| 006 | Chinese: 花旗銀行 | 1902 | United States | ||
| 153 | Chinese: 澳洲聯邦銀行 | Australia | |||
| 205 | Chinese: 顧資銀行 | England | |||
| France | |||||
| 005 | 1894 | France | |||
| France | |||||
| 233 | Switzerland | ||||
| 229 | Chinese: 中國信託商業銀行 | 1966 | Taiwan | ||
| 185 | Chinese: 星展銀行(香港)有限公司 | Singapore | |||
| 054 | Chinese: 德意志銀行 |  Germany | |||
| 113 | Chinese: 德國中央合作銀行 | Germany | |||
| 243 | Chinese: 玉山商業銀行 | 1992 | Taiwan | ||
| 258 | Chinese: 華美銀行 | United States | |||
| 346 | Switzerland | ||||
| 237 | Chinese: 瑞士盈豐銀行股份有限公司 | Switzerland | |||
| 227 |  Austria | ||||
| Switzerland | |||||
| 260 | Chinese: 遠東國際商業銀行 | 1992 | Taiwan | ||
| 203 | Chinese: 第一商業銀行 | 1899 | Taiwan | ||
| 188 | Chinese: 八十二銀行 | Japan | |||
| 112 | Chinese: 韓亞銀行 | South Korea | |||
| 308 | India | ||||
| 248 | Chinese: 豐隆銀行有限公司 | Malaysia | |||
| 347 | United Kingdom | ||||
| HSBC Bank International (Jersey) | United Kingdom | ||||
| United States | |||||
| 198 | Chinese: 華南商業銀行 | 1919 | Taiwan | ||
| 164 | Germany | ||||
| 251 | India | ||||
| 050 | Chinese: 印度海外銀行 | India | |||
| 072 | Chinese: 中國工商銀行(亞洲)有限公司 | 1964 | China | ||
| 271 | South Korea | ||||
| 274 | O-Bank Co Ltd (Chinese: 原台灣工業銀行) | 1999 | Taiwan | ||
| 377 | Chinese: 興業銀行 | 1988 | China | ||
| 145 | Netherlands | ||||
| 161 | Chinese: 意大利聯合聖保羅銀行 | Italy | |||
| 224 | Chinese: 伊予銀行 | Japan | |||
| 007 | Chinese: 摩根大通銀行 | United States | |||
| 320 | Chinese: 瑞士寶盛私人銀行 | Switzerland | |||
| 178 | Chinese: 比利時聯合銀行 |  Belgium | |||
| 046 | Chinese: 韓國外換銀行 | South Korea | |||
| 264 | Chinese: 臺灣土地銀行 | 1946 | Taiwan | ||
| 342 | LGT Bank (Liechtenstein) |  Liechtenstein | |||
| United Kingdom | |||||
| 344 | Chinese: 麥格理銀行 | Australia | |||
| 242 | Chinese: 兆豐國際商業銀行 | 2006 | Taiwan | ||
| 352 |  United Arab Emirates | ||||
| 063 | Chinese: 馬來亞銀行 | Malaysia | |||
| 254 | Melli Bank | United Kingdom | |||
| South Korea | |||||
| 138 | Chinese: 三菱UFJ信託銀行 | Japan | |||
| 109 | Chinese: 瑞穗實業銀行 | Japan | |||
| 150 | Chinese: 澳洲銀行 | Australia | |||
| 277 | United Arab Emirates | ||||
| 060 | Chinese: 巴基斯坦國民銀行 |  Pakistan | |||
| 210 | Chinese: 法國外貿銀行 | France | |||
| France | |||||
| 野村控股 | Japan | ||||
| 022 | Chinese: 華僑銀行 | Singapore | |||
| 357 | Switzerland | ||||
| 119 | Philippines | ||||
| 266 | India | ||||
| Chinese: 荷蘭合作銀行 | Netherlands | ||||
| 354 | Austria | ||||
| 080 | Chinese: 加拿大皇家銀行 | Canada | |||
| 008 | Chinese: 蘇格蘭皇家銀行有限公司 | United Kingdom | |||
| 360 | Scotland | ||||
| South Korea | |||||
| 076 | Chinese: 加拿大豐業銀行 | Canada | |||
| 269 | Chinese: 上海商業儲蓄銀行 | 1954 | Taiwan | ||
| 345 | Chinese: 上海浦東發展銀行 | 1993 | China | ||
| 199 | Chinese: 滋賀銀行 | Japan | |||
| 186 | Chinese: 靜岡銀行 | Japan | |||
| 316 |  Sweden | ||||
| 081 | Chinese: 法國興業銀行 | France | |||
| France | |||||
| Chinese: 標準銀行亞洲有限公司 |  South Africa | ||||
| 249 | Chinese: 渣打銀行 | United Kingdom | |||
| 082 | Chinese: 印度國家銀行 | India | |||
| 220 | Chinese: 美國道富銀行 | United States | |||
| 065 | Chinese: 三井住友銀行 | Japan | |||
| 371 | Japan | ||||
| 165 | Svenska Handelsbanken (Sweden) | Chinese: 瑞典商業銀行 | Sweden | ||
| 378 | Chinese: 大眾商業銀行 | 1992 | Taiwan | ||
| 239 | Chinese: 台北富邦商業銀行 | 2005 | Taiwan | ||
| 245 | Chinese: 台新國際商業銀行 | 1992 | Taiwan | ||
| 230 | Chinese: 臺灣中小企業銀行 | 1915 | Taiwan | ||
| 265 | Chinese: 合作金庫商業銀行 | 1944 | Taiwan | ||
| 085 | Chinese: 加拿大多倫多道明銀行 | Canada | |||
| 337 | Chinese: 臺灣新光商業銀行 | 1918 | Taiwan | ||
| 273 | South Korea | ||||
| 103 | Chinese: 瑞士銀行 | Switzerland | |||
| 045 | India | ||||
| 268 | India | ||||
| 071 | Chinese: 大華銀行有限公司 | Singapore | |||
| 180 | Chinese: 富國銀行香港分行 | United States | |||
| 218 | Chinese: 德國西德銀行 | Germany | |||
| 151 | Chinese: 西太平洋銀行 | Australia | |||
| 118 | South Korea |
| Bank Name | Chinese Name | Established | Country of Origin | |
|---|---|---|---|---|
| Allied Banking Corporation (Hong Kong) Limited | Chinese: 新聯銀行 (香港) 有限公司 | Philippines | ||
| Bank of America Securities Asia Limited | United States | |||
| Bank of China International Limited | Chinese: 中銀國際 | People's Republic of China | ||
| Bank of Shanghai (Hong Kong) Limited | People's Republic of China | |||
| Citicorp International Limited | United States | |||
| Habib Bank Zurich (Hong Kong) Limited | Switzerland | |||
| J. P. Morgan Securities (Asia Pacific) | United States | |||
| KDB Asia | Chinese: 韓國産業銀行 | South Korea | ||
| Kookmin Bank Hong Kong | Chinese: KB國民銀行 | South Korea | ||
| Morgan Stanley Asia International Limited | Chinese: 摩根士丹利亞洲國際有限公司 | United States | ||
| Orix Asia Limited | Japan | |||
| RBC Capital Markets (Hong Kong) | Canada | |||
| Scotiabank (Hong Kong) | Canada | |||
| Société Générale Asia | France | |||
| UBAF (Hong Kong) | France |
| Bank Name | Country of Origin |
|---|---|
| Bank Mandiri | Indonesia |
| Bank of Ayudhya | Thailand |
| Kasikornbank | Thailand |
| Siam Commercial Bank | Thailand |
| Euroclear Bank | Belgium |
| RBC Investor Services Bank |  Luxembourg |
| Morgan Stanley (Switzerland) AG | Switzerland |
Deposit-taking companies are mostly owned by, or associated with, banks. These companies engage in specialized 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. As of 30 September 2023, all deposit-taking companies are incorporated in Hong Kong:[3]
| Bank Name | Chinese Name | Established | Country of Origin | |
|---|---|---|---|---|
| BCOM Finance (Hong Kong) | 交通財務有限公司 | 1979[4] | People's Republic of China | |
| BPI International Finance | 1974[5] | Philippines | ||
| Chau's Brothers Finance Company | Chinese: 周氏兄弟財務有限公司 | 1980 |  Hong Kong | |
| Chong Hing Finance | Chinese: 創興財務有限公司 | 1973 | Hong Kong | |
| Commonwealth Finance Corporation | 1982 | Hong Kong | ||
| Corporate Finance (D.T.C.) | Hong Kong | |||
| Fubon Credit (Hong Kong) | Chinese: 富邦財務(香港)有限公司 | 1977 | Taiwan | |
| KEB Asia Finance | South Korea | |||
| Kexim Asia | 1976 | South Korea | ||
| Public Finance | Chinese: 大眾財務有限公司 | 1977 | Hong Kong | |
| Vietnam Finance Company | 2009 | Vietnam | ||
| Woori Global Markets Asia | 1899 | South Korea |
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.
| Bank Name | Chinese Name | Established | Country of Origin | |
|---|---|---|---|---|
| 1934 | Belgium | |||
| Ashikaga Bank | Japan | |||
| 1867 | Italy | |||
| 1871 | Italy | |||
| 2017 | Italy | |||
| Banco Security |  Chile | |||
| 1957 | Indonesia | |||
| Chinese: 北京銀行 | 1996 | People's Republic of China | ||
| Bank of Dongguan | Chinese: 東莞銀行股份有限公司 | 1999 | People's Republic of China | |
| Bank of Fukuoka | 2007 | Japan | ||
| 1921 | Switzerland | |||
| Bank of Kyoto | Chinese: 京都銀行 | Japan | ||
| 1895 | Indonesia | |||
| Chinese: 株式會社橫浜銀行 | 1920 | Japan | ||
| 1953 | Switzerland | |||
| Banque Degroof Luxembourg | Luxembourg | |||
| 1881 | Luxembourg | |||
| 1911 | India | |||
| Chinese: 廣發銀行 | 1988 | People's Republic of China | ||
| 2000 | Luxembourg | |||
| 1859 | France | |||
| 1906 | India | |||
| Doha Bank | 1979 |  Qatar | ||
| 2004 | Switzerland | |||
| Expobank | 1991 |  Latvia | ||
| 1931 | United States of America | |||
| 1979 | United Arab Emirates | |||
| 1967 | Switzerland | |||
| 2003 | Germany | |||
| 1974 | South Africa | |||
| 2006 | Japan | |||
| Jih Sun International Bank | Chinese: 日盛銀行 | 1990 | Taiwan | |
| Juroku Bank, The | Chinese: 十六銀行 | Japan | ||
| Chinese: 韓國産業銀行 | 1954 | South Korea | ||
| 1962 | Philippines | |||
| Chinese: 株式會社南都銀行 | 1934 | Japan | ||
| Chinese: 加拿大國民銀行 | 1859 | Canada | ||
| Nishi-Nippon City Bank | 1944 | Japan | ||
| 農林中央金庫 | 1923 | Japan | ||
| Ogaki Kyoritsu Bank | Chinese: 大垣共立銀行 | 1986 | Japan | |
| Oita Bank | Chinese: 大分銀行 | 1893 | Japan | |
| Chinese: 平安銀行 | 1995 | People's Republic of China | ||
| Chinese: 里索那銀行 | 1918 | Japan | ||
| 1811 | United Kingdom | |||
| 1804 | United Kingdom | |||
| 信金中央金庫 | 1950 | Japan | ||
| 1982 | United States of America | |||
| Swissquote Bank | 1996 | Switzerland | ||
| Trasta komercbanka | Latvia | |||
| Union Bank of Taiwan | Chinese: 聯邦銀行 | 1989 | Taiwan | |
| UBI Banca (Unione di Banche Italiane S.p.A.) | 2003 | Italy | ||
| VP Bank (Liechtenstein) | Liechtenstein | |||
| Chinese: 山口銀行 | 1878 | Japan | ||
| Chinese: 山梨中央銀行 | 1941 | Japan | ||
| Yuanta Commercial Bank | Chinese: 元大銀行 | 1992 | Taiwan |