Best Retail Financial Services Rankings

Saturday, 10 June 2023

中文

Retail Finance

Best Retail Banks
Overall

Best Retail Banks in
Africa Best Retail Banks in
MEA Best Digital Banking
Services

2021

2020

2019 2018 2017

This 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 anywhere in the world. The assessment runs from January to March every year and is based on our market leading balanced scorecard methodology. A full explanation for each of the evaluation criteria can be viewed at the end of this page.

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Rank	Financial Institution	Country	Financial Performance	Corporate Strategy and Leadership	Digital Journey	Brand	Sales Capability	Customer Experience	Process and Tech	Risk Management	People and Organisation	Achievements in the Year under Review	Total Scores
	Total Scores Achievable		7.5	5.0	7.5	5.0	5.0	7.5	5.0	2.5	2.5	2.5	50.0
1	China Merchants Bank	China	3.4	2.9	3.3	3.0	3.4	3.8	2.2	1.1	1.1	0.8	25.0
2	Industrial and Commercial	China	3.3	3.0	3.0	3.3	3.2	3.1	2.7	1.1	1.4	0.5	24.6
3	Emirates NBD	UAE	3.8	3.3	3.5	0.8	3.1	4.0	3.0	1.1	0.8	0.3	23.6
4	ICICI Bank	India	3.6	3.3	3.6	2.0	2.9	3.5	2.1	0.7	0.8	0.8	23.2
5	United Overseas Bank	Singapore	3.2	3.3	3.3	1.5	2.9	3.6	1.9	0.9	1.6	0.8	22.9
6	CTBC Bank	Taiwan	1.9	3.3	3	1.6	3.5	3.8	2.3	1.6	1.1	0.8	22.9
7	DBS Bank	Singapore	3.4	2.1	3.4	1.8	3.2	3.6	2.5	0.5	1.5	0.8	22.7
8	OCBC Bank	Singapore	3.6	3.2	3.2	1.5	2.9	3.0	2.0	0.8	1.4	0.8	22.3
9	CIMB Bank	Malaysia	3.0	2.8	3.1	1.3	2.9	3.2	2.5	1.1	1.0	0.8	21.6
10	Ping An Bank	China	2.8	2.6	2.3	2.3	4.6	1.6	2.2	1	1.6	0.5	21.5
11	China Construction Bank	China	2.8	2.8	2.2	3.2	2.9	2.3	2.6	1.1	0.9	0.3	21.1
12	BOC	China	2.9	2.1	3.2	3.2	3.0	2.6	2.0	1.0	0.8	0.3	21.1
13	Standard Chartered Bank	Hong Kong	2	2.8	2.7	1.9	2.2	2.7	2.2	1.6	1.5	1.3	20.9
14	Bank of Beijing	China	3.8	2.4	3.7	1.7	3.2	0.6	2.7	1.4	1.0	0.3	20.8
15	Bank of Shanghai	China	3.8	2.2	2.0	1.4	3.0	3.0	2.5	1.1	1.2	0.3	20.5
16	Kasikornbank	Thailand	2.3	2.8	3.5	1.3	2.1	3.7	2.5	0.5	0.8	1.0	20.4
17	China CITIC Bank	China	3.7	2.5	2.5	2.4	3.7	1.6	1.7	1.0	1.0	0.4	20.3
18	BOCHK	Hong Kong	2.4	2.8	2.6	2.4	1.8	2.3	2.3	1.6	1.1	0.5	19.8
19	Taishin Bank	Taiwan	1.6	3.3	3.5	1.3	3.4	0.7	2.7	1.5	1.1	0.8	19.8
20	Bank of Communications	China	3.4	1.7	2.3	2.8	2.9	2.0	1.8	1.2	1.0	0.5	19.4
21	Hana Bank	South Korea	1.8	2.8	3.0	1.7	2.0	3.0	2.3	1.6	0.8	0.5	19.3
22	Maybank	Malaysia	2.1	2.2	3.1	0.8	2.2	3.7	2.5	1.0	1.0	0.8	19.3
23	Bank of East Asia	Hong Kong	2.9	2.2	2.6	1	1.7	2.8	2.1	1.6	1.3	0.8	19.0
24	Hang Seng Bank	Hong Kong	2.5	2.2	2.7	1.9	1.6	2.7	1.8	1.6	1	0.8	18.8
25	Fubon Bank	Taiwan	1.4	3.3	3.3	1.3	3.1	1.6	1.6	1.6	1.0	0.5	18.7
26	HLB	Malaysia	2.8	2.2	2.9	0.5	1.9	3.3	2.3	1.3	0.8	0.5	18.4
27	Commercial Bank of Qatar	Qatar	3.2	2.5	3.6	0.5	1.8	3.5	1.4	0.5	1.1	0.3	18.4
28	HSBC	Hong Kong	2.3	1.9	2.6	2.3	2.1	2.5	2.5	1.4	0.5	0.3	18.4
29	Krungsri	Thailand	3.6	1.9	2.8	1.3	1.4	3.2	1.9	1.0	0.5	0.8	18.3
30	ESUN Bank	Taiwan	1.3	3.3	3.2	1.0	2.6	1.4	1.6	1.6	1.3	0.8	18.1
31	Woori Bank	South Korea	1.6	2.8	2.7	1.6	1.7	2.8	2.0	1.5	0.8	0.5	18.0
32	Public Bank	Malaysia	2.3	2.5	2.8	1.0	1.2	3.0	2.4	1.4	0.8	0.5	17.9
33	Citibank	Hong Kong	1.2	1.8	2.9	1.4	2.5	3.3	2.1	1.6	0.5	0.5	17.8
34	Shinhan Bank	South Korea	1.7	1.9	3.0	1.5	1.8	3.0	2.0	1.2	1.0	0.5	17.6
35	UnionBank	Philippines	3.3	1.8	2.1	1.3	1.7	3.3	2.3	0.3	1.2	0.5	17.6
36	Bank Rakyat Indonesia	Indonesia	3.2	1.9	3.0	1.5	1.0	3.2	1.4	0.9	0.8	0.8	17.6
37	Standard Chartered Bank	Singapore	3.0	2.1	2.6	1.3	1.9	3.3	1.5	0.5	1.0	0.3	17.5
38	Siam Commercial Bank	Thailand	2.6	1.4	3.4	1.0	1.5	3.5	2.0	0.7	0.6	0.8	17.5
39	Agricultural Bank of Chin	China	3.0	1.9	2.0	3.0	1.5	1.6	1.8	1.3	0.9	0.5	17.4
40	Qatar Islamic Bank	Qatar	3.8	1.7	2.5	0.8	2	3.2	1.1	1.1	0.9	0.3	17.4
41	HSBC Taiwan	Taiwan	0.9	3.3	2.5	1.0	3.2	0.7	2.4	1.6	1.3	0.5	17.4
42	Qatar National Bank	Qatar	3.0	2.0	3.0	1.6	1.4	2	1	1.7	1	0.5	17.2
43	BCA	Indonesia	2.8	1.6	3.1	1.5	1.0	3.5	1.4	1.0	0.5	0.8	17.1
44	DBS	Hong Kong	2.2	1.7	2.7	1.4	2.2	1.5	2.3	1.3	1.3	0.5	17.1
45	Security Bank	Philippines	3.1	1.8	2.0	1.5	1.4	2.7	2.8	0.5	1.0	0.3	17.0
46	ADCB	UAE	2.4	1.9	1.5	1.2	1.8	2.7	2	2.3	0.6	0.5	16.9
47	Hatton National Bank	Sri Lanka	3.6	3.3	1.9	1.0	0.2	2.7	2.3	0.4	1.1	0.3	16.7
48	Blom Bank	Lebanon	3.2	2.5	1.5	0.8	0.5	2.5	2.5	1.2	1.5	0.5	16.7
49	SBI	India	2.1	2.8	2.4	1.3	1.0	3.5	1.8	0.5	0.9	0.5	16.7
50	Axis Bank	India	0.9	3.1	3.0	1.5	1.2	3.8	1.8	0.3	0.5	0.3	16.3
51	Vietcombank	Vietnam	3.6	2.5	1.9	1.3	0.5	3.4	1.1	1.1	0.5	0.3	16.2
52	BIDV	Vietnam	3.7	2.6	1.8	1.3	0.3	3.6	1.1	0.9	0.4	0.5	16.1
53	VPBank	Vietnam	4.1	2.2	2.0	1.0	1.0	3.2	1.3	0.7	0.4	0.1	16.0
54	BIBD	Brunei	2.4	2.5	1.6	1.0	0.7	2.7	1.9	1.4	0.8	1.0	15.9
55	RakBank	UAE	3.3	1.7	1.5	0.4	1.6	2.5	1.9	1.5	0.9	0.6	15.9
56	HBL	Pakistan	2.8	3.6	2.6	0.8	0.3	1.8	2.8	0.3	0.6	0.3	15.8
57	Citibank	Singapore	2.1	1.7	2.3	0.8	2.2	3.2	1.5	0.6	0.9	0.3	15.6
58	Canadia Bank	Cambodia	4.5	1.9	2.0	1.3	0.3	0.7	2.1	1.1	1.0	0.5	15.5
59	Emirates Islamic	UAE	2.4	1.8	2.5	0.5	1.6	3.4	2.3	0.5	0	0.3	15.3
60	Techcombank	Vietnam	3.2	2.4	1.9	1.4	0.8	3.8	0.5	1.0	0.3	0.3	15.3
61	National Bank of Pakistan	Pakistan	2.8	2.8	2.1	1.0	0.2	1.9	2.3	0.9	1.0	0.3	15.2
62	TPBank	Vietnam	4.1	2.5	2.3	1.1	0.5	1.5	1.4	0.7	0.4	0.5	15.0
63	Commercial Bank of Ceylon	Sri Lanka	3.2	3.1	3.4	0.3	1.3	0.8	1.9	0.3	0.8	0.0	14.9
64	Mashreq Bank	UAE	2.8	1.4	1.5	0.6	1.5	2.5	1.8	1.7	0.6	0.5	14.9
65	Kookmin Bank	South Korea	1.2	1.7	2.3	1.7	1.5	3.1	1.6	1.0	0.5	0.3	14.9
66	Doha Bank	Qatar	1.3	2.5	1.4	3	1	1.2	1.5	1.4	1	0.4	14.7
67	ABA Bank	Cambodia	4.1	1.4	1.7	2.8	0.2	0.8	1.5	1.2	0.8	0.3	14.6
68	MBBank	Vietnam	3.9	2.5	2.1	1.0	0.8	1.4	0.9	1.1	0.6	0.3	14.5
69	Vietinbank	Vietnam	2.3	2.4	1.6	1.3	1.0	3.4	1.0	1.0	0.3	0.1	14.3
70	BDO	Philippines	2.3	1.7	1.1	1.3	0.9	2.9	1.4	1.0	0.9	0.3	13.6
71	Metrobank	Philippines	1.9	1.4	1.3	1.0	1.7	3.4	0.8	0.7	0.8	0.3	13.2
72	Dah Sing Bank	Hong Kong	1.7	1.7	2.6	0.8	2	0.9	1.8	1.2	0.1	0.3	13.1
73	Bangkok Bank	Thailand	1.9	1.9	1.7	1.0	0.9	2.4	1.4	0.6	0.5	0.8	13.0
74	Bank Negara Indonesia	Indonesia	2.3	1.4	1.6	0.5	0.7	3.3	1.3	0.8	0.6	0.5	13.0
75	NDB	Sri Lanka	1.3	2.8	2.9	1.5	1.3	0.9	0.5	0.4	1.0	0.3	12.9
76	RCBC	Philippines	2.8	1.7	1.3	1.6	0.7	2.7	0.8	0.5	0.8	0.3	12.9
77	Mandiri	Indonesia	2.1	1.4	1.7	0.8	1.0	2.8	1.3	0.9	0.5	0.5	12.8
78	CIMB Niaga	Indonesia	2.1	1.8	1.5	0.5	0.8	3.0	1.3	1.1	0.4	0.5	12.8
79	OCBC NISP	Indonesia	1.9	1.8	1.5	0.8	0.8	2.7	1.5	0.8	0.4	0.5	12.6
80	BPI	Philippines	2.8	1.4	1.1	0.5	1.2	2.8	0.8	0.8	0.8	0.3	12.4
81	National Bank of Egypt	Egypt	0.6	3.5	1.1	2.5	0.2	0.5	0.1	1.7	1.3	0.3	11.8
82	Baiduri Bank	Brunei	2.1	1.4	1.3	0.8	0.5	1.3	1.1	1.0	0.6	0.5	10.6
83	Acleda Bank	Cambodia	1.3	1.4	1.9	1.0	0.3	0.7	1.5	1.2	0.8	0.3	10.3
84	PSBank	Philippines	1.1	1.7	1.3	1.0	0.4	0.9	1.8	0.5	0.9	0.5	10.1
85	Banque Misr	Egypt	0.4	3.5	0.2	2.3	0.2	0.6	0.1	1.1	0.1	0.3	8.8
86	CIB	Egypt	1.3	3.5	0.2	1.3	0.2	0.6	0.1	0.5	0.1	0.3	8.1

Source: The Asian Banker