Citibank Exiting Taiwan Market 花旗擬退出台灣消金市場 金管會證實
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Citibank confirmed it is exiting 13 retail banking markets including Taiwan. The Financial Supervisory Commission says it has already received Citibank's report. Citibank Taiwan says it has no timetable and there won't be any changes to its consumer and financial operations for now.
Citibank has announced it is exiting 13 retail banking markets, including Taiwan. This will affect its credit card, savings, credit, and mortgage customers. Some customers rushed to bank branches in the morning to find out more.
I'm old and I depend on my pension to survive. (I came here today) to see my account manager.
Who knows who will acquire Citibank? Of course, all we're thinking about is keeping our money safe and closing our accounts.
Citibank has announced it is exiting 13 retail banking markets, including Taiwan. This will affect its credit card, savings, credit, and mortgage customers. Some customers rushed to bank branches in the morning to find out more.
I'm old and I depend on my pension to survive. (I came here today) to see my account manager.
Who knows who will acquire Citibank? Of course, all we're thinking about is keeping our money safe and closing our accounts.
Citibank first set up an office in Taiwan in 1964 and opened its first branch in Taipei the following year. In 2007, it acquired OCBC Bank and officially launched Citibank Taiwan to provide corporate financing, investment banking, and consumer financing. It is the largest foreign bank in Taiwan. Citibank currently has 45 branches in Taiwan and had issued 2.17 million credit cards as of February. The Financial Supervisory Commission says it has already been notified by Citibank of its plans to exit the market.
They are basically exiting Asia and the Middle East. It's no reflection on the Taiwan market. We have been notified of their plans but have not yet received the official paperwork.
Four foreign banks have exited Taiwan since 2012, including Credit Suisse and Standard Bank. One observer says Taiwan has 37 banks in the market and there is excessive competition in an oversaturated market. These factors along with the rise of electronic banking are reasons why foreign banks are leaving Taiwan.
Mobile payments are replacing credit cards, so the credit card market is shrinking. Profits may also be shrinking.
Citibank says it has no timetable for the exit and customer and labor rights won't be affected immediately. The Taipei City Department of Labor says Citibank had 4,081 insured employees in January and it had not received any paperwork from the bank as of Apr. 15.
花旗集團15號晚間拋出震撼彈，計劃退出包含台灣在內等13個消費金融業務市場，包括信用卡、儲蓄、信貸、房貸等個人金融業務，有客戶擔心權益會受到影響一早就趕緊跑到分行做詢問。
花旗銀行客戶表示：「怕我的財產不見，我老了，就是靠這個退休金在過活，（今天是來)我來問理專。」
花旗銀行客戶表示：「將來不知道，會被哪家銀行所收購。我們當然想，辛苦錢，大家想說，把它關戶一下。」
花旗台灣銀行是在1964年於台灣成立辦事處，隔年在台北成立第一家分行，2007年購併華僑銀行，並正式成立花旗台灣商業銀行，業務範圍涵蓋企業金融、投資銀行、消費金融等是台灣最大的外商銀行，目前在全台共有45間分行，其中消費金融業務表現亮眼，尤其在信用卡部分截至今年2月信用卡有效卡數高達217萬多張。金管會證實花旗銀行已向金管會報告，要退出台灣消金市場。
金管會銀行局副局長 林志吉表示：「他們仍然是總部的考慮，因為他等於說，要從整個亞洲，還有中東地區撤出，也不是單一針對台灣市場。有來報告過，不過還沒有正式申請。」
根據金管會統計，2012年以來，就有包括瑞士信貸銀行、南非標準銀行..等4家外銀撤離台灣，學者就說台灣共有37家銀行業者，在過度競爭、飽和，加上市場走向電子化等都是讓外商銀行陸續撤台的原因。
政治大學金融系教授 殷乃平表示：「由於行動支付的這些取代信用卡，所以信用卡市場本身在萎縮，獲利可能也在減少。」
而花旗也發出聲明稿表示，有關13個市場的消費金融策略調整，目前還沒有確定的時間表，在此期間對消費金融營運沒有任何變動，同仁不會有立即的影響，也不會動搖對台灣及亞太區的長期承諾北市勞動局則表示，花旗今年1月勞保人數4081人，截至4月15號，尚無向勞動局通報大量解雇計畫或減班休息紀錄。
