Retail Finance

2019 2018
2017

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