Chinese and US megabanks generate the largest absolute profits through scale and diversification, while emerging-market banks deliver higher — but more volatile — returns on equity.
Digital banks are moving toward more structured growth, with headline growth moderating but overall expansion remaining strong. Profitability has improved, while balance-sheet management, revenue diversification and operational efficiency have become defining priorities.
The top 10 digital banks by pre-tax profit leveraged scale advantages, yet growth varied widely, reflecting differences in strategies, market dynamics and operational priorities.
Top digital banks achieve profitability either through disciplined lending execution or by monetising customer ecosystems, not simply by scaling loan growth.
Asia Pacific remains the world's least profitable banking region, but a group of small emerging-market banks with assets below $50 billion are delivering outsized returns.
Indonesia's banking sector comprises 16 institutions in the TAB Global World’s 1000 Largest and Strongest Banks Ranking 2025, out of a total of 105 commercial banks in Indonesia. Bank Central Asia and Bank Mandiri stand out in Indonesia’s financial landscape, each excelling with distinct strategies and financial performance.
Digital banks with loan balances above $250 million are significantly more likely to be profitable, as scale and product diversification strengthen revenue. Most reach breakeven within three to six years. For those still unprofitable past the seven-year mark, N26 in Germany, Varo Bank in the US, Lunar Bank in Denmark and CIMB Bank Philippines among them, face an increasingly difficult case for continued investment.
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Mai Kaneko leads international business and marketing at DeCurret DCP, a Japanese fintech firm operating a multi-bank network for tokenized deposit under the DCJPY framework. She oversees international expansion initiatives, bank-fintech partnerships and global go-to-market strategy. She holds a Master’s in International Relations from Georgetown University and a Bachelor’s in Economics from University of Tokyo.
Kinoshita has been involved in product development projects across a wide range of industries in Japan, including e-commerce, retail, banking, insurance, and manufacturing. He joined DeCurret DCP in 2024, where he has been engaged in the development of digital currency infrastructure. In addition to building the underlying infrastructure, he supports digital transformation (DX) initiatives associated with the adoption of digital currency solutions across various industries, and promotes projects aimed at enabling cross-border transactions.
Abhinav is currently based in Singapore and leads Client solutions and Sales for Partior. In this capacity, he oversees clients' journeys including commercial and central banks, from defining use cases to product integration. Before taking on this role, Abhinav gained extensive experience working with both global and local banks. He spearheaded transformative initiatives in Payments and Core Banking, requiring him to coordinate efforts across business units, technology teams, and regulatory bodies. Abhinav played a pivotal role in implementing Faster Payments projects throughout Asia, including notable projects like Singapore G3 Fast, Malaysia Duit Now, and Hong Kong FPS. Prior to his tenure in the banking sector, Abhinav served as a Payments Financial Services consultant to various banks and payment fintech companies such as ANZ, Deutsche Bank, and Bank of America. Originally from India, Abhinav holds an Engineering degree and a Postgraduate qualification in Machine Learning and Artificial Intelligence. He is also a dedicated father of two, and he enjoys spending his weekends playing tennis and cherishing moments with his family.
Sakae Hamasaki joined Sanwa Bank (currently MUFG Bank) in April 1993 and worked in corporate banking across five domestic locations. From 2006 onward, he gained extensive experience in the planning, development, and sales of payment-related services for corporate clients in Japan and overseas. He joined DeCurret DCP in 2022, where he has been leading initiatives to support banks in evaluating the adoption of tokenized deposits, as well as collaborating with overseas partners to build cross-border networks utilizing tokenized deposits.
Anouska Ladds is Executive Vice President of Commercial & New Payment Flows, Asia Pacific at Mastercard, based in Singapore. With over 17 years at Mastercard, she has held senior roles across sales, strategy, operations, market development, consultancy, and product development, spanning Asia Pacific, Europe, the Middle East, and Africa. Previously at Barclaycard, she specialised in strategy, customer experience, communications, and SME/acquiring businesses.
Johnson is a seasoned executive and data and AI leader with over 15 years of experience across the public and private sectors. He is currently Assistant Chief Executive at IMDA, where he helps shape Singapore’s digital future and advance the digital economy. He has held senior data and AI roles in regional banking and global consulting, and began his career in defence and critical infrastructure.
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