TABInsights evaluates the world’s most significant retail banks with assets exceeding $100 billion, ranking them based on their performance across seven key areas: retail financial performance, retail focus, digital customer base, brand strength, sales management, customer experience, and risk management. This comprehensive ranking provides an in-depth analysis of their capabilities.
We anticipate releasing the complete 2024 ranking in October 2024.
Rank | FI | Country/Region | Retail Financial Performance | Retail Focus | Digital Customer Base | Brand Strength | Sales Management | Customer Experience | Risk Management | Final Score | |||||||||||||||||||||
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Revenue | Revenue growth 2023 | Revenue growth 2019-22 | ROE | Improvements in ROE | CIR | Improvements in CIR | Total Score | Portion of book is retail | Total Score | Digital active | Definition of digital active | Total Score | Deposits market share | Deposit growth 2023 | Deposit growth 2019-22 | Total Score | Digital sales | Fee income | Fee income growth | Total Score | Digital engagement | NPS | Average Android score | Total Score | Quality of book | Improvements in quality of book | Total Score | ||||
Score | Score | Score | Score | Score | Score | Score | 20% | Score | 5% | Score | Score | 20% | Score | Score | Score | 20% | Score | Score | Score | 15% | Score | Score | Score | 15% | Score | Score | 5% | ||||
5 | 10 | 5 | 10 | 10 | 10 | 10 | 20.0 | 10 | 5.0 | 10 | 10 | 20.0 | 10 | 10 | 5 | 20.0 | 10 | 10 | 10 | 15.0 | 10 | 10 | 5 | 15.0 | 10.0 | 10.0 | 5.0 | 100.0 | |||
1 | JPMorgan Chase | USA | 5.0 | 10.0 | 0.0 | 10.0 | 10.0 | 6.0 | 10.0 | 17.0 | 10.0 | 5.0 | 7.8 | 7.0 | 14.8 | 6.0 | 0.0 | 5.0 | 8.8 | 6.0 | 5.0 | 1.0 | 6.0 | 9.0 | 3.2 | 4.4 | 10.0 | 6.0 | 3.0 | 2.3 | 63.8 |
2 | China Construction Bank | China | 4.0 | 5.0 | 3.0 | 9.0 | 7.0 | 10.0 | 8.0 | 15.3 | 8.0 | 4.0 | 6.0 | 7.0 | 13.0 | 5.0 | 9.0 | 4.0 | 14.4 | 5.2.0 | 4.0 | 5.0 | 7.1 | 4.0 | 3.2 | 3.0 | 6.1 | 8.0 | 0.0 | 2.0 | 62.0 |
3 | Emirates NBD | UAE | 1.0 | 10.0 | 2.0 | 10.0 | 0.0 | 9.0 | 2.0 | 11.3 | 7.0 | 3.5 | 8.5 | 5.0 | 13.5 | 7.0 | 6.0 | 4.0 | 13.6 | 4.8.0 | 7.0 | 9.0 | 10.4 | 4.0 | 4.2 | 4.2 | 7.4 | 4.0 | 2.0 | 1.5 | 61.3 |
4 | China Merchants Bank | China | 2.0 | 1.0 | 3.0 | 9.0 | 10.0 | 6.0 | 6.0 | 12.3 | 10.0 | 5.0 | 3.9 | 10.0 | 13.9 | 1.0 | 10.0 | 4.0 | 12.0 | 7.0 | 8.0 | 0.0 | 7.5 | 4.0 | 3.3 | 4.9 | 7.3 | 7.0 | 1.0 | 2.0 | 60.1 |
5 | Bank of China | China | 3.0 | 10.0 | 3.0 | 8.0 | 7.0 | 8.0 | 7.0 | 15.3 | 7.0 | 3.5 | 1.9 | 10.0 | 11.9 | 3.0 | 9.0 | 3.0 | 12.0 | 4.0 | 3.0 | 10.0 | 8.5 | 4.0 | 3.3 | 3.2 | 6.3 | 8.0 | 0.0 | 2.0 | 59.5 |
6 | CaixaBank | Spain | 2.0 | 10.0 | 3.0 | 4.0 | 6.0 | 6.0 | 10.0 | 13.7 | 10.0 | 5.0 | 6.1 | 5.0 | 11.1 | 9.0 | 0.0 | 5.0 | 11.2 | 6.5.0 | 6.0 | 0.0 | 6.3 | 8.0 | 6.8 | 4.6 | 11.6 | 2.0 | 0.0 | 0.5 | 59.4 |
7 | UOB | Group | 1.0 | 10.0 | 0.0 | 6.0 | 5.0 | 5.0 | 6.0 | 11.0 | 7.0 | 3.5 | 5.1 | 7.0 | 12.1 | 6.0 | 10.0 | 1.0 | 13.6 | 4.0 | 6.0 | 9.0 | 9.5 | 4.0 | 2.7 | 4.6 | 6.8 | 6.0 | 1.0 | 1.8 | 58.2 |
8 | Garanti BBVA | Turkey | 1.0 | 4.0 | 2.0 | 10.0 | 6.0 | 6.0 | 0.0 | 9.7 | 7.0 | 3.5 | 6.0 | 7.0 | 13.0 | 5.0 | 4.0 | 2.0 | 8.8 | 9.0 | 10.0 | 4.0 | 11.5 | 7.0 | 3.8 | 4.4 | 9.1 | 5.0 | 2.0 | 1.8 | 57.3 |
9 | Itau Unibanco | Brazil | 2.0 | 4.0 | 2.0 | 3.0 | 0.0 | 7.0 | 2.0 | 6.7 | 10.0 | 5.0 | 5.0 | 7.0 | 12.0 | 9.0 | 6.0 | 4.0 | 15.2 | 7.0 | 7.0 | 2.0 | 8.0 | 4.0 | 7.9 | 4.3 | 9.7 | 0.0 | 1.0 | 0.3 | 56.8 |
10 | Ping An Bank | China | 2.0 | 1.0 | 3.0 | 3.0 | 5.0 | 8.0 | 5.0 | 9.0 | 10.0 | 5.0 | 4.0 | 10.0 | 14.0 | 1.0 | 10.0 | 5.0 | 12.8 | 8.9.0 | 5.0 | 2.0 | 8.0 | 4.0 | 1.5 | 3.7 | 5.5 | 6.0 | 0.0 | 1.5 | 55.8 |
Methodology: The scorecard assessment covers capabilities mapped across seven key dimensions: retail financial performance, retail focus, digital customer base, brand strength, sales management, customer experience, and risk management.
Source: TABInsights