Best bank: China Merchants Bank
China Merchants Bank (CMB) entered 2025 with one of the most distinctive franchises in Chinese banking. Amid a complex domestic and an increasingly turbulent international operating environment, CMB continued to deepen client relationships while accelerating its transition towards an AI-first operating model.
CMB’s digital ecosystem has become a powerful driver of customer engagement. Intelligent wealth management tools, AI-assisted lending journeys, enhanced payments capabilities and innovations such as voice-controlled banking are making financial interactions more intuitive, personalised and efficient.
More than 220 million retail customers now use CMB’s services, while its mobile platforms attract 129 million monthly active users.
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