Top Retail Banks in Asia Pacific

The ranking is the result of The Asian Banker International Excellence in Retail Financial Services Programme 2017, 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.

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Rank Bank Country Strategy Value of Franchise Financial Performance Sustainability Sales Capability Risk Management Process and Tech Channels People Skills Ethical Banking Total Scores
1 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
2 Westpac Australia 1.3 1.9 2.7 3.8 3.5 4.2 4.7 3.9 1.3 0.7 28.0
3 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
5 OCBC Singapore 1.3 1.8 1.8 3.6 3.4 5.9 3.9 3.8 0.3 0.4 26.3
6 UOB Singapore 1.3 1.7 1.9 3.5 3.6 5.2 3.3 3.4 1.3 0.6 25.9
7 CMB China 1.1 1.8 3.5 3.1 3.1 4.8 3.9 2.2 1.3 0.9 25.7
8 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
9 ANZ Australia 0.8 1.4 2.4 3.3 2.9 4.2 4.7 3.5 1.2 0.7 24.9
10 CIMB Malaysia 1.3 1.5 1.2 3.6 3.0 5.6 3.9 2.9 1.3 0.4 24.8
12 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
13 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
14 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
15 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
16 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
17 Bank of East Asia Hong Kong 1.3 1.1 1.4 3.5 2.0 6.5 3.0 2.9 1.8 0.7 24.2
18 CTBC Taiwan 1.1 1.4 1.1 3.4 2.3 4.9 3.8 3.5 1.7 0.7 23.9
19 MUFG Japan 0.8 2.3 1.6 2.5 3.1 3.7 3.6 3.0 1.5 0.8 23.9
20 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
21 BIBD Brunei 1.0 1.8 2.2 4.0 4.3 2.6 1.7 2.9 2.5 0.7 23.7
22 NAB Australia 0.6 1.5 2.2 3.0 2.9 3.8 4.5 3.4 1.0 0.7 23.6
23 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
24 CCB China 1.1 1.9 3.5 3.3 2.4 4.2 3.1 2.0 1.3 0.7 23.5
25 BCA Indonesia 1.0 2.1 2.5 3.5 2.4 4.4 2.0 3.4 1.5 0.6 23.5
26 SMFG Japan 1.0 2.1 2.2 2.4 3.1 3.5 3.3 2.8 1.3 0.6 23.4
27 SCB Thailand 0.8 2.0 2.2 3.8 2.6 3.4 4.1 2.2 1.7 0.4 23.2
28 ICBC China 1.2 1.7 3.5 2.7 2.2 3.8 3.5 2.4 1.3 0.7 23.1
30 Krungsri Thailand 0.8 2.3 1.6 3.5 2.5 3.6 3.9 2.4 1.7 0.4 22.6
31 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
32 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
33 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
34 Mizuho Japan 1.0 2.0 1.6 2.4 3.0 3.5 3.1 2.8 1.3 0.7 22.2
35 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
36 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
37 BDO Philippines 1.3 2.3 2.4 4.4 3.2 3.5 1.7 1.6 1.0 0.6 22.0
38 Maybank Malaysia 1.3 1.3 1.6 3.4 2.0 5.2 3.3 3.0 0.5 0.4 21.9
42 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
43 SBI India 0.9 2.2 2.8 3.4 2.1 3.5 3.1 1.8 1.3 0.4 21.6
45 Bendigo Australia 0.6 1.3 1.1 2.5 0.5 5.9 4.5 2.8 1.3 1.0 21.5
47 Mandiri Indonesia 1.0 1.9 2.6 3.8 2.1 2.6 1.7 3.5 1.5 0.6 21.3
48 BIDV Vietnam 0.9 2.4 3.7 3.0 2.4 3.1 2.8 1.5 1.0 0.4 21.2
49 BPI Philippines 1.1 1.6 2.8 4.5 3.0 3.3 1.6 1.6 1.0 0.7 21.2
50 CUB Taiwan 0.8 1.1 1.1 3.8 2.0 5.1 3.3 1.5 1.8 0.6 21.2
52 Resona Japan 0.6 1.8 1.6 2.6 2.8 3.2 2.9 3.0 1.3 0.6 21.0
53 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
54 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
56 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
57 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
58 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
59 Techcombank Vietnam 0.6 2.3 3.7 3.5 2.3 3.0 2.5 1.2 1.2 0.3 20.6
60 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
61 Rakuten Japan 0.8 1.6 2.5 3.0 2.2 2.7 3.5 3.7 1.5 0.7 20.6
62 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
64 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
65 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
66 BaiduriBank Brunei 0.8 1.5 1.4 3.3 3.7 1.9 1.6 2.9 2.6 0.7 20.4
69 BRI Indonesia 0.9 2.1 2.8 3.7 1.2 2.6 1.4 3.3 1.5 0.6 19.9
70 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
73 EasternBank Bangladesh 1.0 1.9 2.5 3.9 2.6 2.3 1.6 1.5 1.5 0.6 19.4
74 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
75 HSBC Vietnam 0.5 2.0 3.0 3.0 1.6 3.4 2.5 1.4 1.3 0.6 19.3
77 ABC China 1.0 1.8 2.3 2.9 1.7 3.1 2.7 2.0 1.1 0.7 19.3
79 China Citic Bank China 0.9 1.6 2.2 3.0 1.2 3.8 3.0 1.8 0.9 0.7 19.1
80 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
81 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
82 VPBank Vietnam 0.9 2.0 3.3 2.9 2.4 2.5 2.8 1.3 0.5 0.4 19.0
83 BNI Indonesia 0.8 1.6 2.8 3.5 2.3 2.3 1.5 2.0 1.6 0.6 19.0
85 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
86 Metrobank Philippines 1.1 1.4 2.6 3.6 2.3 3.4 1.6 1.3 0.8 0.6 18.7
87 TPBank Vietnam 0.9 1.6 3.3 3.2 2.4 2.5 2.8 1.2 0.5 0.3 18.7
89 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
92 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
93 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
94 ACB Vietnam 0.9 1.6 2.8 3.3 1.9 3.4 2.5 1.1 0.4 0.4 18.3
97 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
98 BOCom China 0.8 1.6 3.2 2.7 1.2 3.1 2.5 1.1 1.1 0.7 18.1
99 Sacombank Vietnam 0.5 1.9 2.5 3.1 2.2 3.0 2.5 1.2 0.9 0.3 18.1