Retail Finance

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
1Shinhan BankKorea1.31.92.43.93.86.34.43.71.30.629.7
1WestpacAustralia1.31.92.73.83.54.24.73.91.30.728.0
1CBAAustralia0.81.92.53.73.54.94.93.81.20.727.8
1DBSSingapore1.32.42.23.23.26.33.63.90.80.427.4
1OCBCSingapore1.31.81.83.63.45.93.93.80.30.426.3
1UOBSingapore1.31.71.93.53.65.23.33.41.30.625.9
1CMBChina1.11.83.53.13.14.83.92.21.30.925.7
1StandChartHong Kong1.11.31.43.52.66.63.02.91.80.925.2
1ANZAustralia0.81.42.43.32.94.24.73.51.20.724.9
1CIMBMalaysia1.31.51.23.63.05.63.92.91.30.424.8
1ICICI BankIndia1.12.03.15.32.43.14.11.91.20.424.6
1Kookmin BankKorea0.92.02.43.83.05.93.42.11.30.624.5
1Kasikorn BankThailand1.32.02.34.12.83.14.12.61.80.424.5
1HDFC BankIndia1.01.93.15.02.83.83.41.81.20.424.5
1Public BankMalaysia1.01.51.84.33.14.93.92.11.20.424.2
1Bank of East AsiaHong Kong1.31.11.43.52.06.53.02.91.80.724.2
1CTBCTaiwan1.11.41.13.42.34.93.83.51.70.723.9
1MUFGJapan0.82.31.62.53.13.73.63.01.50.823.9
1Hana BankKorea0.91.62.33.13.55.92.52.81.40.623.8
1BIBDBrunei1.01.82.24.04.32.61.72.92.50.723.7
1NABAustralia0.61.52.23.02.93.84.53.41.00.723.6
1HSBCHong Kong0.61.61.13.92.56.62.82.80.90.723.6
1CCBChina1.11.93.53.32.44.23.12.01.30.723.5
1BCAIndonesia1.02.12.53.52.44.42.03.41.50.623.5
1SMFGJapan1.02.12.22.43.13.53.32.81.30.623.4
1SCBThailand0.82.02.23.82.63.44.12.21.70.423.2
1ICBCChina1.21.73.52.72.23.83.52.41.30.723.1
1KrungsriThailand0.82.31.63.52.53.63.92.41.70.422.6
1Hang Seng BankHong Kong0.81.21.24.11.76.62.82.70.70.722.6
1Bank of ChinaChina1.02.23.62.82.33.52.92.01.30.722.4
1Bank of BeijingChina1.11.52.52.72.34.43.61.81.50.922.3
1MizuhoJapan1.02.01.62.43.03.53.12.81.30.722.2
1ING DirectAustralia0.81.40.73.20.35.94.53.41.01.022.2
1E.Sun BankTaiwan1.11.11.23.92.34.73.82.21.20.722.2
1BDOPhilippines1.32.32.44.43.23.51.71.61.00.622.0
1MaybankMalaysia1.31.31.63.42.05.23.33.00.50.421.9
1Taishin BankTaiwan1.01.11.23.02.15.13.62.51.50.621.8
1SBIIndia0.92.22.83.42.13.53.11.81.30.421.6
1BendigoAustralia0.61.31.12.50.55.94.52.81.31.021.5
1MandiriIndonesia1.01.92.63.82.12.61.73.51.50.621.3
1BIDVVietnam0.92.43.73.02.43.12.81.51.00.421.2
1BPIPhilippines1.11.62.84.53.03.31.61.61.00.721.2
1CUBTaiwan0.81.11.13.82.05.13.31.51.80.621.2
1ResonaJapan0.61.81.62.62.83.22.93.01.30.621.0
1Axis BankIndia0.51.53.33.82.03.53.11.81.00.420.9
1HNBSri Lanka1.11.33.64.12.03.71.61.51.30.620.9
1Sampath BankSri Lanka0.61.93.83.91.93.81.41.51.30.620.7
1CombankSri Lanka1.11.63.83.91.83.71.31.51.30.720.7
1Jibun BankJapan0.81.22.52.62.02.63.64.01.50.720.6
1TechcombankVietnam0.62.33.73.52.33.02.51.21.20.320.6
1Bank of ChinaHong Kong0.51.10.73.51.46.62.62.50.90.720.6
1RakutenJapan0.81.62.53.02.22.73.53.71.50.720.6
1Hong Leong BankMalaysia0.91.20.64.01.65.63.12.60.50.420.6
1Bangkok BankThailand0.52.11.23.12.13.63.81.81.80.420.5
1Krungthai BankThailand0.91.71.23.52.13.03.91.91.80.420.5
1BaiduriBankBrunei0.81.51.43.33.71.91.62.92.60.720.4
1BRIIndonesia0.92.12.83.71.22.61.43.31.50.619.9
1Fubon BankTaiwan1.01.01.13.11.15.03.52.31.20.619.9
1EasternBankBangladesh1.01.92.53.92.62.31.61.51.50.619.4
1CIMB NiagaIndonesia0.91.12.43.52.22.81.72.81.30.619.4
1HSBCVietnam0.52.03.03.01.63.42.51.41.30.619.3
1ABCChina1.01.82.32.91.73.12.72.01.10.719.3
1China Citic BankChina0.91.62.23.01.23.83.01.80.90.719.1
1Woori BankKorea0.91.81.92.63.23.52.12.01.30.619.1
1Shinsei BankJapan0.61.41.02.62.52.92.92.61.30.619.0
1VPBankVietnam0.92.03.32.92.42.52.81.30.50.419.0
1BNIIndonesia0.81.62.83.52.32.31.52.01.60.619.0
1Security BankPhilippines1.32.03.03.41.53.41.31.21.00.718.8
1MetrobankPhilippines1.11.42.63.62.33.41.61.30.80.618.7
1TPBankVietnam0.91.63.33.22.42.52.81.20.50.318.7
1IndusInd BankIndia0.81.22.93.41.33.12.91.41.20.418.7
1NTBSri Lanka0.61.82.64.11.43.51.51.01.30.618.4
1OCBC NISPIndonesia0.81.13.43.31.82.61.61.91.30.618.3
1ACBVietnam0.91.62.83.31.93.42.51.10.40.418.3
1Union BankPhilippines0.91.32.84.01.63.71.31.20.80.618.1
1BOComChina0.81.63.22.71.23.12.51.11.10.718.1
1SacombankVietnam0.51.92.53.12.23.02.51.20.90.318.1

Rank Bank Country Strategy Value of Franchise Financial Performance Sustainability Sales Capability Risk Management Process and Tech Channels People Skills Ethical Banking Total Scores
1Emirates NBDUAE1.31.91.83.92.94.93.53.11.00.624.8
1ADCBUAE1.31.71.63.42.24.23.93.01.20.422.8
1NedbankSouth Africa1.31.32.23.72.62.82.53.31.60.721.9
1Capitec BankSouth Africa0.91.52.55.31.62.62.23.41.30.621.8
1FNBSouth Africa0.91.83.53.81.82.62.13.41.30.621.8
1FirstRand BankSouth Africa0.81.62.53.82.92.82.13.11.40.621.6
1Standard BankSouth Africa0.81.22.23.43.22.82.53.31.40.721.4
1FBNNigeria1.01.81.14.22.93.03.01.61.80.621.1
1GuarantyTrust Nigeria0.81.91.64.12.73.23.31.31.30.620.8
1Al Awwal BankSaudi Arabia1.31.32.02.51.94.23.02.51.20.620.5
1SambaSaudi Arabia0.61.32.32.51.54.53.32.51.20.620.3
1Al Rajhi BankSaudi Arabia0.91.71.63.02.24.13.12.11.00.420.1
1CBQQatar1.10.70.82.42.73.32.93.51.30.719.5
1QNB Al Ahli BankEgypt0.80.83.83.82.82.61.21.41.70.519.4
1Ahli United BankBahrain1.01.42.43.41.44.41.61.81.20.619.3
1Diamond BankNigeria0.61.72.23.12.52.83.11.21.30.619.1
1ABSASouth Africa0.91.41.03.91.72.82.03.31.50.619.0
1Zenith BankNigeria0.51.32.33.12.32.93.01.21.60.618.7
1Al Ahli BankKuwait1.11.21.63.41.13.92.81.71.20.718.6
1QNBQatar0.90.91.12.02.73.13.03.21.00.618.5
1Barclays BankZambia1.01.32.82.72.72.81.71.41.20.618.2
1Commercial BankKuwait0.81.31.23.81.34.72.02.10.50.718.2
1Blom BankLebanon1.00.82.03.42.33.01.62.01.30.618.1