The ranking is the result of The Asian Banker International Excellence in Retail Financial Services Programme, the most rigorous, prestigious and transparent audit programme for consumer banking. It is based on The Asian Banker’s market leading balanced scorecard methodology, which assesses financial institutions across ten categories. For a full explanation of each of the evaluation criteria please click here. The criteria were refreshed in 2018 and will be updated from now on.
| Rank | Bank | Country | Strategy | Value of Franchise | Financial Performance | Sustainability | Sales Capability | Risk Management | Process and Tech | Channels | People Skills | Ethical Banking | Total Scores |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 4 | Bank/Maximum Sc | 1.5 | 5 | 6 | 8 | 8 | 7 | 5.5 | 5 | 2.5 | 1.5 | 50 | |
| 4 | Shinhan Bank | Korea | 1.3 | 1.9 | 2.4 | 3.9 | 3.8 | 6.3 | 4.4 | 3.7 | 1.3 | 0.6 | 29.7 |
| 4 | Westpac | Australia | 1.3 | 1.9 | 2.7 | 3.8 | 3.5 | 4.2 | 4.7 | 3.9 | 1.3 | 0.7 | 28.0 |
| 4 | CBA | Australia | 0.8 | 1.9 | 2.5 | 3.7 | 3.5 | 4.9 | 4.9 | 3.8 | 1.2 | 0.7 | 27.8 |
| 4 | DBS | Singapore | 1.3 | 2.4 | 2.2 | 3.2 | 3.2 | 6.3 | 3.6 | 3.9 | 0.8 | 0.4 | 27.4 |
| 4 | OCBC | Singapore | 1.3 | 1.8 | 1.8 | 3.6 | 3.4 | 5.9 | 3.9 | 3.8 | 0.3 | 0.4 | 26.3 |
| 4 | UOB | Singapore | 1.3 | 1.7 | 1.9 | 3.5 | 3.6 | 5.2 | 3.3 | 3.4 | 1.3 | 0.6 | 25.9 |
| 4 | CMB | China | 1.1 | 1.8 | 3.5 | 3.1 | 3.1 | 4.8 | 3.9 | 2.2 | 1.3 | 0.9 | 25.7 |
| 4 | StandChart | Hong Kong | 1.1 | 1.3 | 1.4 | 3.5 | 2.6 | 6.6 | 3.0 | 2.9 | 1.8 | 0.9 | 25.2 |
| 4 | ANZ | Australia | 0.8 | 1.4 | 2.4 | 3.3 | 2.9 | 4.2 | 4.7 | 3.5 | 1.2 | 0.7 | 24.9 |
| 4 | CIMB | Malaysia | 1.3 | 1.5 | 1.2 | 3.6 | 3.0 | 5.6 | 3.9 | 2.9 | 1.3 | 0.4 | 24.8 |
| 4 | Emirates NBD | UAE | 1.3 | 1.9 | 1.8 | 3.9 | 2.9 | 4.9 | 3.5 | 3.1 | 1.0 | 0.6 | 24.8 |
| 4 | ICICI Bank | India | 1.1 | 2.0 | 3.1 | 5.3 | 2.4 | 3.1 | 4.1 | 1.9 | 1.2 | 0.4 | 24.6 |
| 4 | Kookmin Bank | Korea | 0.9 | 2.0 | 2.4 | 3.8 | 3.0 | 5.9 | 3.4 | 2.1 | 1.3 | 0.6 | 24.5 |
| 4 | Kasikorn Bank | Thailand | 1.3 | 2.0 | 2.3 | 4.1 | 2.8 | 3.1 | 4.1 | 2.6 | 1.8 | 0.4 | 24.5 |
| 4 | HDFC Bank | India | 1.0 | 1.9 | 3.1 | 5.0 | 2.8 | 3.8 | 3.4 | 1.8 | 1.2 | 0.4 | 24.5 |
| 4 | Public Bank | Malaysia | 1.0 | 1.5 | 1.8 | 4.3 | 3.1 | 4.9 | 3.9 | 2.1 | 1.2 | 0.4 | 24.2 |
| 4 | Bank of East As | Hong Kong | 1.3 | 1.1 | 1.4 | 3.5 | 2.0 | 6.5 | 3.0 | 2.9 | 1.8 | 0.7 | 24.2 |
| 4 | CTBC | Taiwan | 1.1 | 1.4 | 1.1 | 3.4 | 2.3 | 4.9 | 3.8 | 3.5 | 1.7 | 0.7 | 23.9 |
| 4 | MUFG | Japan | 0.8 | 2.3 | 1.6 | 2.5 | 3.1 | 3.7 | 3.6 | 3.0 | 1.5 | 0.8 | 23.9 |
| 4 | Hana Bank | Korea | 0.9 | 1.6 | 2.3 | 3.1 | 3.5 | 5.9 | 2.5 | 2.8 | 1.4 | 0.6 | 23.8 |
| 4 | BIBD | Brunei | 1.0 | 1.8 | 2.2 | 4.0 | 4.3 | 2.6 | 1.7 | 2.9 | 2.5 | 0.7 | 23.7 |
| 4 | NAB | Australia | 0.6 | 1.5 | 2.2 | 3.0 | 2.9 | 3.8 | 4.5 | 3.4 | 1.0 | 0.7 | 23.6 |
| 4 | HSBC | Hong Kong | 0.6 | 1.6 | 1.1 | 3.9 | 2.5 | 6.6 | 2.8 | 2.8 | 0.9 | 0.7 | 23.6 |
| 4 | CCB | China | 1.1 | 1.9 | 3.5 | 3.3 | 2.4 | 4.2 | 3.1 | 2.0 | 1.3 | 0.7 | 23.5 |
| 4 | BCA | Indonesia | 1.0 | 2.1 | 2.5 | 3.5 | 2.4 | 4.4 | 2.0 | 3.4 | 1.5 | 0.6 | 23.5 |
| 4 | SMFG | Japan | 1.0 | 2.1 | 2.2 | 2.4 | 3.1 | 3.5 | 3.3 | 2.8 | 1.3 | 0.6 | 23.4 |
| 4 | SCB | Thailand | 0.8 | 2.0 | 2.2 | 3.8 | 2.6 | 3.4 | 4.1 | 2.2 | 1.7 | 0.4 | 23.2 |
| 4 | ICBC | China | 1.2 | 1.7 | 3.5 | 2.7 | 2.2 | 3.8 | 3.5 | 2.4 | 1.3 | 0.7 | 23.1 |
| 4 | ADCB | UAE | 1.3 | 1.7 | 1.6 | 3.4 | 2.2 | 4.2 | 3.9 | 3.0 | 1.2 | 0.4 | 22.8 |
| 4 | Krungsri | Thailand | 0.8 | 2.3 | 1.6 | 3.5 | 2.5 | 3.6 | 3.9 | 2.4 | 1.7 | 0.4 | 22.6 |
| 4 | Hang Seng Bank | Hong Kong | 0.8 | 1.2 | 1.2 | 4.1 | 1.7 | 6.6 | 2.8 | 2.7 | 0.7 | 0.7 | 22.6 |
| 4 | Bank of China | China | 1.0 | 2.2 | 3.6 | 2.8 | 2.3 | 3.5 | 2.9 | 2.0 | 1.3 | 0.7 | 22.4 |
| 4 | Bank of Beijing | China | 1.1 | 1.5 | 2.5 | 2.7 | 2.3 | 4.4 | 3.6 | 1.8 | 1.5 | 0.9 | 22.3 |
| 4 | Mizuho | Japan | 1.0 | 2.0 | 1.6 | 2.4 | 3.0 | 3.5 | 3.1 | 2.8 | 1.3 | 0.7 | 22.2 |
| 4 | ING Direct | Australia | 0.8 | 1.4 | 0.7 | 3.2 | 0.3 | 5.9 | 4.5 | 3.4 | 1.0 | 1.0 | 22.2 |
| 4 | E.Sun Bank | Taiwan | 1.1 | 1.1 | 1.2 | 3.9 | 2.3 | 4.7 | 3.8 | 2.2 | 1.2 | 0.7 | 22.2 |
| 4 | BDO | Philippines | 1.3 | 2.3 | 2.4 | 4.4 | 3.2 | 3.5 | 1.7 | 1.6 | 1.0 | 0.6 | 22.0 |
| 4 | Maybank | Malaysia | 1.3 | 1.3 | 1.6 | 3.4 | 2.0 | 5.2 | 3.3 | 3.0 | 0.5 | 0.4 | 21.9 |
| 4 | Nedbank | South Africa | 1.3 | 1.3 | 2.2 | 3.7 | 2.6 | 2.8 | 2.5 | 3.3 | 1.6 | 0.7 | 21.9 |
| 4 | Capitec Bank | South Africa | 0.9 | 1.5 | 2.5 | 5.3 | 1.6 | 2.6 | 2.2 | 3.4 | 1.3 | 0.6 | 21.8 |
| 4 | FNB | South Africa | 0.9 | 1.8 | 3.5 | 3.8 | 1.8 | 2.6 | 2.1 | 3.4 | 1.3 | 0.6 | 21.8 |
| 4 | Taishin Bank | Taiwan | 1.0 | 1.1 | 1.2 | 3.0 | 2.1 | 5.1 | 3.6 | 2.5 | 1.5 | 0.6 | 21.8 |
| 4 | SBI | India | 0.9 | 2.2 | 2.8 | 3.4 | 2.1 | 3.5 | 3.1 | 1.8 | 1.3 | 0.4 | 21.6 |
| 4 | FirstRand Bank | South Africa | 0.8 | 1.6 | 2.5 | 3.8 | 2.9 | 2.8 | 2.1 | 3.1 | 1.4 | 0.6 | 21.6 |
| 4 | Bendigo | Australia | 0.6 | 1.3 | 1.1 | 2.5 | 0.5 | 5.9 | 4.5 | 2.8 | 1.3 | 1.0 | 21.5 |
| 4 | Standard Bank | South Africa | 0.8 | 1.2 | 2.2 | 3.4 | 3.2 | 2.8 | 2.5 | 3.3 | 1.4 | 0.7 | 21.4 |
| 4 | Mandiri | Indonesia | 1.0 | 1.9 | 2.6 | 3.8 | 2.1 | 2.6 | 1.7 | 3.5 | 1.5 | 0.6 | 21.3 |
| 4 | BIDV | Vietnam | 0.9 | 2.4 | 3.7 | 3.0 | 2.4 | 3.1 | 2.8 | 1.5 | 1.0 | 0.4 | 21.2 |
| 4 | BPI | Philippines | 1.1 | 1.6 | 2.8 | 4.5 | 3.0 | 3.3 | 1.6 | 1.6 | 1.0 | 0.7 | 21.2 |
| 4 | CUB | Taiwan | 0.8 | 1.1 | 1.1 | 3.8 | 2.0 | 5.1 | 3.3 | 1.5 | 1.8 | 0.6 | 21.2 |
| 4 | FBN | Nigeria | 1.0 | 1.8 | 1.1 | 4.2 | 2.9 | 3.0 | 3.0 | 1.6 | 1.8 | 0.6 | 21.1 |
| 4 | Resona | Japan | 0.6 | 1.8 | 1.6 | 2.6 | 2.8 | 3.2 | 2.9 | 3.0 | 1.3 | 0.6 | 21.0 |
| 4 | Axis Bank | India | 0.5 | 1.5 | 3.3 | 3.8 | 2.0 | 3.5 | 3.1 | 1.8 | 1.0 | 0.4 | 20.9 |
| 4 | HNB | Sri Lanka | 1.1 | 1.3 | 3.6 | 4.1 | 2.0 | 3.7 | 1.6 | 1.5 | 1.3 | 0.6 | 20.9 |
| 4 | GuarantyTrust | Nigeria | 0.8 | 1.9 | 1.6 | 4.1 | 2.7 | 3.2 | 3.3 | 1.3 | 1.3 | 0.6 | 20.8 |
| 4 | Sampath Bank | Sri Lanka | 0.6 | 1.9 | 3.8 | 3.9 | 1.9 | 3.8 | 1.4 | 1.5 | 1.3 | 0.6 | 20.7 |
| 4 | Combank | Sri Lanka | 1.1 | 1.6 | 3.8 | 3.9 | 1.8 | 3.7 | 1.3 | 1.5 | 1.3 | 0.7 | 20.7 |
| 4 | Jibun Bank | Japan | 0.8 | 1.2 | 2.5 | 2.6 | 2.0 | 2.6 | 3.6 | 4.0 | 1.5 | 0.7 | 20.6 |
| 4 | Techcombank | Vietnam | 0.6 | 2.3 | 3.7 | 3.5 | 2.3 | 3.0 | 2.5 | 1.2 | 1.2 | 0.3 | 20.6 |
| 4 | Bank of China | Hong Kong | 0.5 | 1.1 | 0.7 | 3.5 | 1.4 | 6.6 | 2.6 | 2.5 | 0.9 | 0.7 | 20.6 |
| 4 | Rakuten | Japan | 0.8 | 1.6 | 2.5 | 3.0 | 2.2 | 2.7 | 3.5 | 3.7 | 1.5 | 0.7 | 20.6 |
| 4 | Hong Leong Bank | Malaysia | 0.9 | 1.2 | 0.6 | 4.0 | 1.6 | 5.6 | 3.1 | 2.6 | 0.5 | 0.4 | 20.6 |
| 4 | Al Awwal Bank | Saudi Arabia | 1.3 | 1.3 | 2.0 | 2.5 | 1.9 | 4.2 | 3.0 | 2.5 | 1.2 | 0.6 | 20.5 |
| 4 | Bangkok Bank | Thailand | 0.5 | 2.1 | 1.2 | 3.1 | 2.1 | 3.6 | 3.8 | 1.8 | 1.8 | 0.4 | 20.5 |
| 4 | Krungthai Bank | Thailand | 0.9 | 1.7 | 1.2 | 3.5 | 2.1 | 3.0 | 3.9 | 1.9 | 1.8 | 0.4 | 20.5 |
| 4 | BaiduriBank | Brunei | 0.8 | 1.5 | 1.4 | 3.3 | 3.7 | 1.9 | 1.6 | 2.9 | 2.6 | 0.7 | 20.4 |
| 4 | Samba | Saudi Arabia | 0.6 | 1.3 | 2.3 | 2.5 | 1.5 | 4.5 | 3.3 | 2.5 | 1.2 | 0.6 | 20.3 |
| 4 | Al Rajhi Bank | Saudi Arabia | 0.9 | 1.7 | 1.6 | 3.0 | 2.2 | 4.1 | 3.1 | 2.1 | 1.0 | 0.4 | 20.1 |
| 4 | BRI | Indonesia | 0.9 | 2.1 | 2.8 | 3.7 | 1.2 | 2.6 | 1.4 | 3.3 | 1.5 | 0.6 | 19.9 |
| 4 | Fubon Bank | Taiwan | 1.0 | 1.0 | 1.1 | 3.1 | 1.1 | 5.0 | 3.5 | 2.3 | 1.2 | 0.6 | 19.9 |
| 4 | CBQ | Qatar | 1.1 | 0.7 | 0.8 | 2.4 | 2.7 | 3.3 | 2.9 | 3.5 | 1.3 | 0.7 | 19.5 |
| 4 | QNB Al Ahli Ban | Egypt | 0.8 | 0.8 | 3.8 | 3.8 | 2.8 | 2.6 | 1.2 | 1.4 | 1.7 | 0.5 | 19.4 |
| 4 | EasternBank | Bangladesh | 1.0 | 1.9 | 2.5 | 3.9 | 2.6 | 2.3 | 1.6 | 1.5 | 1.5 | 0.6 | 19.4 |
| 4 | CIMB Niaga | Indonesia | 0.9 | 1.1 | 2.4 | 3.5 | 2.2 | 2.8 | 1.7 | 2.8 | 1.3 | 0.6 | 19.4 |
| 4 | HSBC | Vietnam | 0.5 | 2.0 | 3.0 | 3.0 | 1.6 | 3.4 | 2.5 | 1.4 | 1.3 | 0.6 | 19.3 |
| 4 | Ahli United Ban | Bahrain | 1.0 | 1.4 | 2.4 | 3.4 | 1.4 | 4.4 | 1.6 | 1.8 | 1.2 | 0.6 | 19.3 |
| 4 | ABC | China | 1.0 | 1.8 | 2.3 | 2.9 | 1.7 | 3.1 | 2.7 | 2.0 | 1.1 | 0.7 | 19.3 |
| 4 | Diamond Bank | Nigeria | 0.6 | 1.7 | 2.2 | 3.1 | 2.5 | 2.8 | 3.1 | 1.2 | 1.3 | 0.6 | 19.1 |
| 4 | China Citic Ban | China | 0.9 | 1.6 | 2.2 | 3.0 | 1.2 | 3.8 | 3.0 | 1.8 | 0.9 | 0.7 | 19.1 |
| 4 | Woori Bank | Korea | 0.9 | 1.8 | 1.9 | 2.6 | 3.2 | 3.5 | 2.1 | 2.0 | 1.3 | 0.6 | 19.1 |
| 4 | Shinsei Bank | Japan | 0.6 | 1.4 | 1.0 | 2.6 | 2.5 | 2.9 | 2.9 | 2.6 | 1.3 | 0.6 | 19.0 |
| 4 | VPBank | Vietnam | 0.9 | 2.0 | 3.3 | 2.9 | 2.4 | 2.5 | 2.8 | 1.3 | 0.5 | 0.4 | 19.0 |
| 4 | BNI | Indonesia | 0.8 | 1.6 | 2.8 | 3.5 | 2.3 | 2.3 | 1.5 | 2.0 | 1.6 | 0.6 | 19.0 |
| 4 | ABSA | South Africa | 0.9 | 1.4 | 1.0 | 3.9 | 1.7 | 2.8 | 2.0 | 3.3 | 1.5 | 0.6 | 19.0 |
| 4 | Security Bank | Philippines | 1.3 | 2.0 | 3.0 | 3.4 | 1.5 | 3.4 | 1.3 | 1.2 | 1.0 | 0.7 | 18.8 |
| 4 | Metrobank | Philippines | 1.1 | 1.4 | 2.6 | 3.6 | 2.3 | 3.4 | 1.6 | 1.3 | 0.8 | 0.6 | 18.7 |
| 4 | TPBank | Vietnam | 0.9 | 1.6 | 3.3 | 3.2 | 2.4 | 2.5 | 2.8 | 1.2 | 0.5 | 0.3 | 18.7 |
| 4 | Zenith Bank | Nigeria | 0.5 | 1.3 | 2.3 | 3.1 | 2.3 | 2.9 | 3.0 | 1.2 | 1.6 | 0.6 | 18.7 |
| 4 | IndusInd Bank | India | 0.8 | 1.2 | 2.9 | 3.4 | 1.3 | 3.1 | 2.9 | 1.4 | 1.2 | 0.4 | 18.7 |
| 4 | Al Ahli Bank | Kuwait | 1.1 | 1.2 | 1.6 | 3.4 | 1.1 | 3.9 | 2.8 | 1.7 | 1.2 | 0.7 | 18.6 |
| 4 | QNB | Qatar | 0.9 | 0.9 | 1.1 | 2.0 | 2.7 | 3.1 | 3.0 | 3.2 | 1.0 | 0.6 | 18.5 |
| 4 | NTB | Sri Lanka | 0.6 | 1.8 | 2.6 | 4.1 | 1.4 | 3.5 | 1.5 | 1.0 | 1.3 | 0.6 | 18.4 |
| 4 | OCBC NISP | Indonesia | 0.8 | 1.1 | 3.4 | 3.3 | 1.8 | 2.6 | 1.6 | 1.9 | 1.3 | 0.6 | 18.3 |
| 4 | ACB | Vietnam | 0.9 | 1.6 | 2.8 | 3.3 | 1.9 | 3.4 | 2.5 | 1.1 | 0.4 | 0.4 | 18.3 |
| 4 | Barclays Bank | Zambia | 1.0 | 1.3 | 2.8 | 2.7 | 2.7 | 2.8 | 1.7 | 1.4 | 1.2 | 0.6 | 18.2 |
| 4 | Commercial Bank | Kuwait | 0.8 | 1.3 | 1.2 | 3.8 | 1.3 | 4.7 | 2.0 | 2.1 | 0.5 | 0.7 | 18.2 |
| 4 | Union Bank | Philippines | 0.9 | 1.3 | 2.8 | 4.0 | 1.6 | 3.7 | 1.3 | 1.2 | 0.8 | 0.6 | 18.1 |
| 4 | BOCom | China | 0.8 | 1.6 | 3.2 | 2.7 | 1.2 | 3.1 | 2.5 | 1.1 | 1.1 | 0.7 | 18.1 |
| 4 | Sacombank | Vietnam | 0.5 | 1.9 | 2.5 | 3.1 | 2.2 | 3.0 | 2.5 | 1.2 | 0.9 | 0.3 | 18.1 |
| 4 | Blom Bank | Lebanon | 1.0 | 0.8 | 2.0 | 3.4 | 2.3 | 3.0 | 1.6 | 2.0 | 1.3 | 0.6 | 18.1 |