Global Retail Banks Ranking 2023

TABInsights has tested the world's 20 largest and strongest retail banks in key markets globally and produced a comprehensive ranking that evaluates their capabilities across six critical dimensions: retail financial performance, digital customer base, brand strength, sales management, customer experience, and risk management. The assessment does not consider individual bank size as the primary strength factor and instead utilises growth figures in order to standardise the evaluation process.

Rank FI Country/Region Retail Financial Performance Digital Customer Base Brand Strength Sales Management Customer Experience Risk Management Final score
Revenue Growth ROE Improvements in ROE CIR Improvements in CIR Total Score Digital active Definition of digital active Total Score Deposits market share Deposit growth Total Score Digital sales Fee income Total Score Digital engagement Net promoter score Average Android score Total Score Quality of book Improvements in quality of book Total Score
Score Score Score Score Score 25% Score Score Score Score 20% Score Score Score 15% Score Score Score 10% Score Score 10%
10 10 10 10 10 12.5 10 10 10.0 10 10 7.5 10 10 10.0 10 10 10 5.0 10 10 5.0 5.0
1 CaixaBank Spain 7.0 2.0 0.0 5.0 10.0 6.0 6.1 5.0 5.6 9.0 1.0 3.8 6.5 7.0 6.8 8.0 5.8 4.1 3.6 3.0 5.0 2.0 27.6
2 Itau Unibanco Brazil 6.0 4.0 0.0 6.0 10.0 6.5 5.0 7.0 6.0 10.0 3.0 4.9 7.0 6.0 6.5 4.0 7.2 4.4 3.1 0.0 0.0 0.0 27.0
3 CCB China 5.0 9.0 3.0 10.0 8.0 8.8 2.1 10.0 6.1 6.0 4.0 3.8 5.0 2.0 3.5 4.0 3.7 3.9 2.3 9.0 0.0 2.3 26.6
4 CTBC Bank Taiwan 5.0 6.0 0.0 5.0 1.0 4.3 7.9 5.0 6.5 3.0 3.0 2.3 7.0 10.0 8.5 5.0 1.0 4.4 2.1 10.0 0.0 2.5 26.0
5 CMB China 6.0 10.0 0.0 8.0 2.0 6.5 4.6 10.0 7.3 2.0 3.0 1.9 7.0 6.0 6.5 4.0 2.7 3.7 2.1 7.0 0.0 1.8 26.0
6 Garanti BBVA Turkey 2.0 9.0 0.0 6.0 0.0 4.3 5.9 7.0 6.5 3.0 2.0 1.9 8.6 8.0 8.3 8.0 5.0 4.5 3.5 4.0 1.0 1.3 25.6
7 Royal Bank of Canada Canada 4.0 7.0 2.0 6.0 4.0 5.8 6.0 7.0 6.5 7.0 3.0 3.8 4.3 5.0 4.7 6.0 0.8 3.7 2.1 10.0 1.0 2.8 25.5
8 BBVA (Spain) Spain 2.0 4.0 4.5 6.0 5.0 5.4 5.5 7.0 6.3 7.0 1.0 3.0 6.1 7.0 6.6 6.0 4.0 4.5 2.9 1.0 3.0 1.0 25.1
9 Ping An Bank China 5.0 6.0 0.0 8.0 3.0 5.5 3.2 10.0 6.6 1.0 4.0 1.9 8.3 4.0 6.2 6.0 3.6 4.3 2.8 6.0 1.0 1.8 24.7
10 ICBC China 3.0 7.0 0.0 9.0 10.0 7.3 2.2 10.0 6.1 6.0 3.0 3.4 5.6 2.0 3.8 2.0 3.8 3.4 1.8 8.0 0.0 2.0 24.4
11 UOB Group 8.0 5.0 1.0 5.0 0.0 4.8 4.6 10.0 7.3 4.0 4.0 3.0 5.1 4.0 4.6 8.0 2.5 4.3 3.0 6.0 1.0 1.8 24.3
12 Bank of America US 4.0 5.0 0.0 5.0 10.0 6.0 6.6 7.0 6.8 4.0 2.0 2.3 4.9 3.0 4.0 10.0 0.0 4.6 2.9 8.0 1.0 2.3 24.2
13 DBS Group 4.0 6.0 7.0 4.0 10.0 7.8 5.8 1.0 3.4 6.0 1.0 2.6 5.0 5.0 5.0 6.0 3.3 4.3 2.7 9.0 1.0 2.5 24.0
14 JPMorgan Chase US 1.0 10.0 0.0 4.0 0.0 3.8 8.3 7.0 7.7 4.0 3.0 2.6 6.0 3.0 4.5 7.0 3.5 4.4 3.0 8.0 1.0 2.3 23.8
15 CBA Australia 0.0 5.0 2.0 7.0 0.0 3.5 5.0 10.0 7.5 5.0 3.0 3.0 5.0 1.0 3.0 9.0 3.0 4.1 3.2 8.0 1.0 2.3 22.5
16 ING Global 0.0 10.0 0.0 3.0 1.0 3.5 5.8 7.0 6.4 5.0 1.0 2.3 7.3 3.0 5.2 7.0 4.0 4.1 3.0 6.0 2.0 2.0 22.3
17 StanChart Global 2.0 3.0 4.0 3.0 10.0 5.5 6.3 1.0 3.7 3.0 1.0 1.5 7.4 7.0 7.2 6.0 3.8 3.5 2.7 6.0 1.0 1.8 22.3
18 HSBC Global 0.0 3.0 2.0 3.0 10.0 4.5 4.3 10.0 7.2 5.0 0.0 1.9 6.0 1.0 3.5 6.0 1.3 2.1 1.9 8.0 2.0 2.5 21.4
19 Banco Santander Spain 3.0 4.0 0.0 6.0 0.0 3.3 3.2 10.0 6.6 9.0 2.0 4.1 5.6 3.0 4.3 6.0 0.0 3.9 2.0 2.0 1.0 0.8 21.0
20 Nordea Group 3.0 2.0 1.0 6.0 1.0 3.3 4.0 7.0 5.5 3.0 1.0 1.5 5.5 6.0 5.8 6.0 3.0 4.2 2.6 8.0 1.0 2.3 20.9
21 Barclays UK 2.0 2.0 0.0 3.0 8.0 3.8 2.5 7.0 4.8 5.0 2.0 2.6 5.5 4.0 4.8 6.0 3.4 4.4 2.8 4.0 0.0 1.0 19.6
22 Westpac Australia 0.0 3.0 0.0 6.0 1.0 2.5 4.6 7.0 5.8 4.0 2.0 2.3 4.4 1.0 2.7 8.0 3.0 3.6 2.9 8.0 2.0 2.5 18.7
23 Citigroup Global 2.0 3.0 0.0 3.0 0.0 2.0 3.3 7.0 5.2 2.0 0.0 0.8 6.0 1.0 3.5 7.0 2.9 4.8 2.9 7.0 0.0 1.8 16.1

Source: TABInsights

Methodology

The scorecard assessment covers capabilities mapped across six key dimensions: retail financial performance, digital customer base, brand strength, sales management, customer experience, and risk management.