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 Ban | 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 Ban | 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 |