Top Retail Banks in Middle East and Africa

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
11 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
29 ADCB UAE 1.3 1.7 1.6 3.4 2.2 4.2 3.9 3.0 1.2 0.4 22.8
39 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
40 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
41 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
44 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
46 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
51 FBN Nigeria 1.0 1.8 1.1 4.2 2.9 3.0 3.0 1.6 1.8 0.6 21.1
55 GuarantyTrust Nigeria 0.8 1.9 1.6 4.1 2.7 3.2 3.3 1.3 1.3 0.6 20.8
63 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
67 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
68 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
71 CBQ Qatar 1.1 0.7 0.8 2.4 2.7 3.3 2.9 3.5 1.3 0.7 19.5
72 QNB Al Ahli Bank Egypt 0.8 0.8 3.8 3.8 2.8 2.6 1.2 1.4 1.7 0.5 19.4
76 Ahli United Bank Bahrain 1.0 1.4 2.4 3.4 1.4 4.4 1.6 1.8 1.2 0.6 19.3
78 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
84 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
88 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
90 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
91 QNB Qatar 0.9 0.9 1.1 2.0 2.7 3.1 3.0 3.2 1.0 0.6 18.5
95 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
96 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
100 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