World's Best Retail Banks Ranking 2025
TABInsights evaluates leading retail banks and ranks them based on their performance across seven critical areas: retail financial performance, retail focus, digital customer base, brand strength, sales management, customer experience, and risk management. This thorough assessment provides a detailed analysis of each institution’s strengths and performance across these dimensions.
| Rank | FI | Country/Region | Retail Financial Performance | Retail Focus | Digital Customer Base | Brand Strength | Sales Management | Customer Experience | Risk Management | Final score | ||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Revenue growth FY2023 | Revenue growth FY2019-22 | ROA | Improvements in ROA | 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 FY2023 | Deposit growth FY2019-22 | Total Score | Digital sales | Fee income | Fee income growth | Total Score | Digital engagement | 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 | 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 | 5.0 | 10 | 15.0 | 10 | 10 | 5.0 | 100.0 | |||
| 1 | JPMorgan Chase | USA | 5.0 | 10.0 | 0.0 | 9.0 | 5.0 | 6.0 | 10.0 | 15.0 | 10.0 | 5.0 | 7.6 | 7.0 | 14.6 | 6.0 | 0.0 | 5.0 | 8.8 | 6.0 | 5.0 | 1.0 | 6.0 | 9.0 | 4.4 | 13.4 | 6.0 | 3.0 | 2.3 | 65.1 |
| 2 | 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 | 7.0 | 9.0 | 10.4 | 4.0 | 4.7 | 8.7 | 4.0 | 2.0 | 1.5 | 62.5 |
| 3 | Standard Chartered Hong Kong | Hong Kong | 1.0 | 8.0 | 1.0 | 4.0 | 4.0 | 4.0 | 10.0 | 10.7 | 10.0 | 5.0 | 7.0 | 7.0 | 14.0 | 5.0 | 5.0 | 1.0 | 8.8 | 7.2 | 8.0 | 5.0 | 10.1 | 5.0 | 4.5 | 9.5 | 10.0 | 0.0 | 2.5 | 60.6 |
| 4 | Commonwealth Bank of Australia | Australia | 1.0 | 10.0 | 1.0 | 4.0 | 1.0 | 8.0 | 6.0 | 10.3 | 10.0 | 5.0 | 5.1 | 7.0 | 12.1 | 7.0 | 3.0 | 3.0 | 10.4 | 5.2 | 3.0 | 5.0 | 6.6 | 10.0 | 3.7 | 13.7 | 8.0 | 1.0 | 2.3 | 60.4 |
| 5 | CaixaBank | Spain | 2.0 | 10.0 | 3.0 | 3.0 | 3.0 | 6.0 | 10.0 | 12.3 | 10.0 | 5.0 | 6.1 | 5.0 | 11.1 | 9.0 | 1.0 | 5.0 | 12.0 | 7.1 | 6.0 | 0.0 | 6.6 | 8.0 | 4.8 | 12.8 | 2.0 | 0.0 | 0.5 | 60.3 |
| 6 | Bank of China (Hong Kong) | Hong Kong | 1.0 | 10.0 | 0.0 | 6.0 | 7.0 | 7.0 | 10.0 | 13.7 | 9.0 | 4.5 | 3.6 | 10.0 | 13.6 | 6.0 | 4.0 | 2.0 | 9.6 | 6.5 | 6.0 | 3.0 | 7.8 | 4.0 | 4.8 | 8.8 | 9.0 | 0.0 | 2.3 | 60.2 |
| 7 | CTBC Bank | Taiwan | 1.0 | 9.0 | 3.0 | 3.0 | 0.0 | 5.0 | 3.0 | 8.0 | 10.0 | 5.0 | 8.0 | 5.0 | 13.0 | 3.0 | 6.0 | 3.0 | 9.6 | 5.7 | 10.0 | 9.0 | 12.4 | 4.0 | 4.8 | 8.8 | 9.0 | 1.0 | 2.5 | 59.3 |
| 8 | HSBC | Global | 2.0 | 10.0 | 0.0 | 3.0 | 4.0 | 5.0 | 10.0 | 11.3 | 10.0 | 5.0 | 5.4 | 10.0 | 15.4 | 7.0 | 2.0 | 2.0 | 8.8 | 4.9 | 5.0 | 1.0 | 5.5 | 6.0 | 4.8 | 10.8 | 8.0 | 1.0 | 2.3 | 59.0 |
| 9 | UOB | Singapore | 1.0 | 10.0 | 0.0 | 5.0 | 3.0 | 5.0 | 5.0 | 9.7 | 7.0 | 3.5 | 4.7 | 10.0 | 14.7 | 6.0 | 6.0 | 1.0 | 10.4 | 4.0 | 6.0 | 10.0 | 10.0 | 4.0 | 4.6 | 8.6 | 6.0 | 1.0 | 1.8 | 58.6 |
| 10 | First National Bank (FirstRand) | South Africa | 1.0 | 6.0 | 1.0 | 9.0 | 1.0 | 4.0 | 0.0 | 7.3 | 10.0 | 5.0 | 3.9 | 7.0 | 10.9 | 5.0 | 5.0 | 3.0 | 10.4 | 6.0 | 10.0 | 7.0 | 11.5 | 7.0 | 4.8 | 11.8 | 0.0 | 0.0 | 0.0 | 56.9 |
| 11 | Standard Bank | South Africa | 1.0 | 9.0 | 1.0 | 5.0 | 2.0 | 5.0 | 4.0 | 9.0 | 10.0 | 5.0 | 3.2 | 7.0 | 10.2 | 5.0 | 4.0 | 3.0 | 9.6 | 5.0 | 6.0 | 7.0 | 9.0 | 9.0 | 4.7 | 13.7 | 0.0 | 0.0 | 0.0 | 56.5 |
| 12 | China Merchants Bank | China | 2.0 | 1.0 | 3.0 | 7.0 | 0.0 | 8.0 | 1.0 | 7.3 | 10.0 | 5.0 | 5.9 | 10.0 | 15.9 | 1.0 | 7.0 | 5.0 | 10.4 | 7.0 | 7.0 | 0.0 | 7.0 | 4.0 | 4.9 | 8.9 | 7.0 | 0.0 | 1.8 | 56.3 |
| 13 | Itaú Unibanco | Brazil | 2.0 | 4.0 | 2.0 | 3.0 | 0.0 | 6.0 | 2.0 | 6.3 | 9.0 | 4.5 | 5.0 | 7.0 | 12.0 | 8.0 | 6.0 | 4.0 | 14.4 | 7.0 | 7.0 | 3.0 | 8.5 | 5.0 | 4.3 | 9.3 | 0.0 | 3.0 | 0.8 | 55.8 |
| 14 | ING | Global | 2.0 | 10.0 | 0.0 | 3.0 | 3.0 | 5.0 | 10.0 | 11.0 | 10.0 | 5.0 | 6.5 | 7.0 | 13.5 | 7.0 | 2.0 | 1.0 | 8.0 | 7.5 | 4.0 | 0.0 | 5.8 | 7.0 | 4.1 | 11.1 | 6.0 | 0.0 | 1.5 | 55.9 |
| 15 | HDFC Bank | India | 2.0 | 10.0 | 3.0 | 3.0 | 0.0 | 5.0 | 0.0 | 7.7 | 10.0 | 5.0 | 6.0 | 3.0 | 9.0 | 6.0 | 10.0 | 5.0 | 16.8 | 4.0 | 4.0 | 5.0 | 6.5 | 4.0 | 4.4 | 8.4 | 7.0 | 2.0 | 2.3 | 55.6 |
| 16 | DBS | Singapore | 1.0 | 10.0 | 1.0 | 7.0 | 6.0 | 6.0 | 10.0 | 13.7 | 6.0 | 3.0 | 6.2 | 1.0 | 7.2 | 7.0 | 3.0 | 3.0 | 10.4 | 4.0 | 8.0 | 6.0 | 9.0 | 6.0 | 4.2 | 10.2 | 8.0 | 0.0 | 2.0 | 55.5 |
| 17 | Bank of Montreal | Canada | 1.0 | 10.0 | 2.0 | 4.0 | 0.0 | 5.0 | 0.0 | 7.3 | 9.0 | 4.5 | 3.5 | 7.0 | 10.5 | 6.0 | 10.0 | 3.0 | 15.2 | 3.3 | 5.0 | 6.0 | 7.2 | 4.0 | 4.2 | 8.2 | 9.0 | 0.0 | 2.3 | 55.1 |
| 18 | ANZ | Australia | 1.0 | 2.0 | 1.0 | 2.0 | 0.0 | 5.0 | 2.0 | 4.3 | 10.0 | 5.0 | 4.2 | 10.0 | 14.2 | 5.0 | 3.0 | 3.0 | 8.8 | 4.5 | 3.0 | 8.0 | 7.8 | 8.0 | 4.2 | 12.2 | 9.0 | 0.0 | 2.3 | 54.5 |
| 19 | BBVA (Spain) | Spain | 1.0 | 10.0 | 1.0 | 4.0 | 3.0 | 7.0 | 10.0 | 12.0 | 10.0 | 5.0 | 5.5 | 7.0 | 12.5 | 7.0 | 0.0 | 2.0 | 7.2 | 6.3 | 7.0 | 1.0 | 7.2 | 6.0 | 4.5 | 10.5 | 0.0 | 0.0 | 0.0 | 54.4 |
| 20 | ICICI Bank | India | 1.0 | 10.0 | 4.0 | 6.0 | 0.0 | 5.0 | 1.0 | 9.0 | 10.0 | 5.0 | 7.5 | 3.0 | 10.5 | 3.0 | 7.0 | 4.0 | 11.2 | 4.0 | 6.0 | 7.0 | 8.5 | 4.0 | 4.6 | 8.6 | 5.0 | 1.0 | 1.5 | 54.3 |
| 21 | OCBC Bank | Singapore | 1.0 | 10.0 | 0.0 | 4.0 | 3.0 | 4.0 | 10.0 | 10.7 | 7.0 | 3.5 | 5.1 | 7.0 | 12.1 | 6.0 | 3.0 | 2.0 | 8.8 | 4.0 | 8.0 | 1.0 | 6.5 | 6.0 | 4.4 | 10.4 | 8.0 | 1.0 | 2.3 | 54.2 |
| 22 | Bank of America | US | 3.0 | 5.0 | 1.0 | 3.0 | 0.0 | 5.0 | 2.0 | 6.3 | 9.0 | 4.5 | 6.7 | 7.0 | 13.7 | 5.0 | 0.0 | 4.0 | 7.2 | 4.9 | 5.0 | 0.0 | 5.0 | 10.0 | 4.6 | 14.6 | 8.0 | 1.0 | 2.3 | 53.5 |
| 23 | China Construction Bank | China | 4.0 | 2.0 | 3.0 | 5.0 | 0.0 | 8.0 | 2.0 | 8.0 | 8.0 | 4.0 | 2.6 | 10.0 | 12.6 | 5.0 | 7.0 | 4.0 | 12.8 | 5.2 | 4.0 | 5.0 | 7.1 | 4.0 | 3.0 | 7.0 | 8.0 | 0.0 | 2.0 | 53.5 |
| 24 | Lloyds Banking Group | UK | 1.0 | 0.0 | 1.0 | 3.0 | 0.0 | 4.0 | 0.0 | 3.0 | 10.0 | 5.0 | 8.0 | 3.0 | 11.0 | 6.0 | 0.0 | 2.0 | 6.4 | 5.0 | 5.0 | 10.0 | 10.0 | 10.0 | 4.6 | 14.6 | 10.0 | 2.0 | 3.0 | 53.0 |
| 25 | Nordea Bank | Finland | 1.0 | 10.0 | 1.0 | 3.0 | 2.0 | 6.0 | 7.0 | 10.0 | 10.0 | 5.0 | 4.2 | 7.0 | 11.2 | 5.0 | 0.0 | 1.0 | 4.8 | 5.5 | 5.0 | 0.0 | 5.3 | 10.0 | 4.5 | 14.5 | 8.0 | 0.0 | 2.0 | 52.8 |
| 26 | Standard Chartered | Global | 1.0 | 10.0 | 1.0 | 4.0 | 4.0 | 4.0 | 10.0 | 11.3 | 9.0 | 4.5 | 5.0 | 7.0 | 12.0 | 5.0 | 4.0 | 1.0 | 8.0 | 5.6 | 5.0 | 1.0 | 5.8 | 5.0 | 4.5 | 9.5 | 6.0 | 0.0 | 1.5 | 52.6 |
| 27 | Ping An Bank | China | 1.0 | 0.0 | 3.0 | 1.0 | 0.0 | 8.0 | 1.0 | 4.7 | 10.0 | 5.0 | 4.1 | 10.0 | 14.1 | 1.0 | 9.0 | 5.0 | 12.0 | 8.9 | 5.0 | 1.0 | 7.5 | 4.0 | 3.7 | 7.7 | 6.0 | 0.0 | 1.5 | 52.4 |
| 28 | HSBC Hong Kong | Hong Kong | 1.0 | 10.0 | 0.0 | 3.0 | 2.0 | 6.0 | 10.0 | 10.7 | 6.0 | 3.0 | 4.0 | 10.0 | 14.0 | 8.0 | 3.0 | 1.0 | 9.6 | 6.0 | 4.0 | 0.0 | 5.0 | 3.0 | 4.6 | 7.6 | 9.0 | 1.0 | 2.5 | 52.4 |
| 29 | Royal Bank of Canada | Canada | 2.0 | 5.0 | 2.0 | 4.0 | 0.0 | 6.0 | 1.0 | 6.7 | 10.0 | 5.0 | 6.0 | 7.0 | 13.0 | 7.0 | 5.0 | 3.0 | 12.0 | 4.3 | 7.0 | 0.0 | 5.7 | 4.0 | 3.1 | 7.1 | 9.0 | 0.0 | 2.3 | 51.7 |
| 30 | KB Kookmin Bank | South Korea | 1.0 | 0.0 | 4.0 | 3.0 | 1.0 | 6.0 | 4.0 | 6.3 | 9.0 | 4.5 | 3.6 | 10.0 | 13.6 | 5.0 | 3.0 | 2.0 | 8.0 | 6.0 | 2.0 | 0.0 | 4.0 | 8.0 | 4.6 | 12.6 | 10.0 | 0.0 | 2.5 | 51.5 |
| 31 | Scotiabank | Canada | 2.0 | 5.0 | 0.0 | 3.0 | 0.0 | 6.0 | 0.0 | 5.3 | 10.0 | 5.0 | 4.0 | 7.0 | 11.0 | 6.0 | 5.0 | 2.0 | 10.4 | 5.1 | 5.0 | 3.0 | 6.6 | 5.0 | 4.8 | 9.8 | 8.0 | 0.0 | 2.0 | 50.1 |
| 32 | State Bank of India | India | 2.0 | 10.0 | 3.0 | 4.0 | 1.0 | 3.0 | 1.0 | 8.0 | 8.0 | 4.0 | 5.0 | 3.0 | 8.0 | 6.0 | 8.0 | 3.0 | 13.6 | 4.0 | 4.0 | 6.0 | 7.0 | 4.0 | 3.9 | 7.9 | 3.0 | 3.0 | 1.5 | 50.0 |
| 33 | Toronto-Dominion Bank | Canada | 2.0 | 7.0 | 4.0 | 3.0 | 0.0 | 6.0 | 1.0 | 7.7 | 10.0 | 5.0 | 6.0 | 7.0 | 13.0 | 9.0 | 0.0 | 3.0 | 9.6 | 4.0 | 5.0 | 0.0 | 4.5 | 4.0 | 3.8 | 7.8 | 9.0 | 0.0 | 2.3 | 49.8 |
| 34 | Wells Fargo | US | 3.0 | 3.0 | 0.0 | 6.0 | 5.0 | 3.0 | 10.0 | 10.0 | 9.0 | 4.5 | 5.0 | 7.0 | 12.0 | 4.0 | 0.0 | 3.0 | 5.6 | 4.8 | 5.0 | 0.0 | 4.9 | 6.0 | 4.8 | 10.8 | 7.0 | 1.0 | 2.0 | 49.8 |
| 35 | Agricultural Bank of China | China | 4.0 | 2.0 | 4.0 | 5.0 | 0.0 | 7.0 | 0.0 | 7.3 | 8.0 | 4.0 | 2.5 | 10.0 | 12.5 | 5.0 | 7.0 | 3.0 | 12.0 | 4.5 | 2.0 | 0.0 | 3.3 | 4.0 | 4.7 | 8.7 | 8.0 | 0.0 | 2.0 | 49.8 |
| 36 | Westpac Banking Corporation | Australia | 1.0 | 0.0 | 1.0 | 2.0 | 0.0 | 5.0 | 0.0 | 3.0 | 10.0 | 5.0 | 4.5 | 7.0 | 11.5 | 7.0 | 5.0 | 2.0 | 11.2 | 4.4 | 2.0 | 0.0 | 3.2 | 10.0 | 3.6 | 13.6 | 7.0 | 0.0 | 1.8 | 49.3 |
| 37 | National Australia Bank | Australia | 1.0 | 4.0 | 1.0 | 2.0 | 0.0 | 5.0 | 0.0 | 4.3 | 10.0 | 5.0 | 4.1 | 7.0 | 11.1 | 6.0 | 4.0 | 3.0 | 10.4 | 4.0 | 3.0 | 3.0 | 5.0 | 8.0 | 3.8 | 11.8 | 6.0 | 0.0 | 1.5 | 49.1 |
| 38 | Shinhan Bank | South Korea | 1.0 | 0.0 | 5.0 | 3.0 | 0.0 | 5.0 | 0.0 | 4.7 | 10.0 | 5.0 | 3.7 | 10.0 | 13.7 | 5.0 | 0.0 | 3.0 | 6.4 | 6.0 | 2.0 | 0.0 | 4.0 | 8.0 | 4.6 | 12.6 | 10.0 | 0.0 | 2.5 | 48.9 |
| 39 | Bank of China | China | 3.0 | 6.0 | 3.0 | 5.0 | 1.0 | 7.0 | 2.0 | 9.0 | 7.0 | 3.5 | 1.7 | 10.0 | 11.7 | 3.0 | 7.0 | 3.0 | 10.4 | 5.0 | 3.0 | 2.0 | 5.0 | 4.0 | 3.2 | 7.2 | 8.0 | 0.0 | 2.0 | 48.8 |
| 40 | DNB Bank | Norway | 1.0 | 10.0 | 2.0 | 3.0 | 2.0 | 6.0 | 9.0 | 11.0 | 10.0 | 5.0 | 3.5 | 5.0 | 8.5 | 7.0 | 2.0 | 3.0 | 9.6 | 3.0 | 5.0 | 0.0 | 4.0 | 4.0 | 4.6 | 8.6 | 6.0 | 1.0 | 1.8 | 48.5 |
| 41 | ICBC | China | 3.0 | 0.0 | 2.0 | 4.0 | 0.0 | 7.0 | 0.0 | 5.3 | 7.0 | 3.5 | 3.1 | 10.0 | 13.1 | 5.0 | 7.0 | 3.0 | 12.0 | 5.0 | 4.0 | 0.0 | 4.5 | 4.0 | 4.0 | 8.0 | 8.0 | 0.0 | 2.0 | 48.4 |
| 42 | Woori Bank | South Korea | 1.0 | 0.0 | 5.0 | 2.0 | 0.0 | 5.0 | 0.0 | 4.3 | 9.0 | 4.5 | 3.3 | 10.0 | 13.3 | 4.0 | 2.0 | 3.0 | 7.2 | 6.0 | 3.0 | 0.0 | 4.5 | 8.0 | 3.7 | 11.7 | 10.0 | 1.0 | 2.8 | 48.3 |
| 43 | Canadian Imperial Bank of Commerce | Canada | 1.0 | 3.0 | 1.0 | 2.0 | 1.0 | 5.0 | 1.0 | 4.7 | 10.0 | 5.0 | 4.9 | 7.0 | 11.9 | 6.0 | 2.0 | 3.0 | 8.8 | 4.5 | 5.0 | 0.0 | 4.8 | 7.0 | 3.8 | 10.8 | 9.0 | 0.0 | 2.3 | 48.2 |
| 44 | Barclays | UK | 1.0 | 4.0 | 1.0 | 2.0 | 0.0 | 3.0 | 3.0 | 4.7 | 10.0 | 5.0 | 2.5 | 7.0 | 9.5 | 6.0 | 5.0 | 2.0 | 10.4 | 5.5 | 5.0 | 3.0 | 6.8 | 6.0 | 4.4 | 10.4 | 4.0 | 0.0 | 1.0 | 47.7 |
| 45 | Bank of Communications | China | 2.0 | 1.0 | 1.0 | 3.0 | 0.0 | 6.0 | 3.0 | 5.3 | 7.0 | 3.5 | 2.6 | 10.0 | 12.6 | 1.0 | 7.0 | 4.0 | 9.6 | 4.5 | 7.0 | 0.0 | 5.8 | 4.0 | 4.8 | 8.8 | 7.0 | 1.0 | 2.0 | 47.6 |
| 46 | Banco Santander | Global | 4.0 | 3.0 | 1.0 | 2.0 | 0.0 | 6.0 | 1.0 | 5.7 | 10.0 | 5.0 | 3.3 | 10.0 | 13.3 | 6.0 | 2.0 | 2.0 | 8.0 | 5.8 | 4.0 | 1.0 | 5.4 | 5.0 | 4.7 | 9.7 | 2.0 | 0.0 | 0.5 | 47.6 |
| 47 | Saudi National Bank | Saudi Arabia | 1.0 | 5.0 | 3.0 | 5.0 | 1.0 | 6.0 | 4.0 | 8.3 | 10.0 | 5.0 | 5.0 | 5.0 | 10.0 | 7.0 | 3.0 | 0.0 | 8.0 | 7.3 | 2.0 | 0.0 | 4.7 | 5.0 | 4.4 | 9.4 | 8.0 | 0.0 | 2.0 | 47.4 |
| 48 | Rabobank | Netherlands | 1.0 | 10.0 | 0.0 | 4.0 | 4.0 | 6.0 | 10.0 | 11.7 | 10.0 | 5.0 | 3.0 | 5.0 | 8.0 | 6.0 | 1.0 | 3.0 | 8.0 | 3.0 | 4.0 | 3.0 | 5.0 | 3.0 | 4.3 | 7.3 | 8.0 | 0.0 | 2.0 | 47.0 |
| 49 | Al Rajhi Bank | Saudi Arabia | 1.0 | 6.0 | 2.0 | 4.0 | 2.0 | 6.0 | 3.0 | 8.0 | 10.0 | 5.0 | 8.0 | 1.0 | 9.0 | 6.0 | 0.0 | 1.0 | 5.6 | 4.0 | 3.0 | 1.0 | 4.0 | 8.0 | 4.5 | 12.5 | 9.0 | 1.0 | 2.5 | 46.6 |
| 50 | Crédit Agricole | France | 1.0 | 5.0 | 2.0 | 2.0 | 1.0 | 4.0 | 5.0 | 6.7 | 9.0 | 4.5 | 1.8 | 10.0 | 11.8 | 6.0 | 1.0 | 2.0 | 7.2 | 4.0 | 8.0 | 0.0 | 6.0 | 5.0 | 3.4 | 8.4 | 4.0 | 0.0 | 1.0 | 45.6 |
Methodology: The scorecard assessment covers capabilities mapped across seven critical dimensions: retail financial performance, retail focus, digital customer base, brand strength, sales management, customer experience, and risk management.
Source: TABInsights
World's Best Retail Banks Ranking 2024
TABInsights tested the world's 26 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.
| Rank | FI | Country/Region | Retail Financial Performance | Digital Customer Base | Brand Strength | Sales Management | Customer Experience | Risk Management | Final score | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Revenue Growth | 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 | 20% | Score | Score | 20% | Score | Score | 20% | Score | Score | 20% | Score | Score | Score | 10% | Score | Score | 10% | ||||
| 10 | 10 | 10 | 10 | 10 | 10.0 | 10 | 10 | 10.0 | 10 | 10 | 10.0 | 10 | 10 | 10.0 | 10 | 10 | 5 | 5.0 | 10.0 | 10.0 | 5.0 | 50.0 | |||
| 1 | CaixaBank | Spain | 3.0 | 7.0 | 2.0 | 5.0 | 10.0 | 5.4 | 6.1 | 5.0 | 5.6 | 9.0 | 1.0 | 5.0 | 6.5 | 7.0 | 6.8 | 8.0 | 5.8 | 4.1 | 3.6 | 2.0 | 6.0 | 2.0 | 28.3 |
| 2 | Itau Unibanco | Brazil | 3.0 | 6.0 | 4.0 | 6.0 | 10.0 | 5.8 | 5.0 | 7.0 | 6.0 | 9.0 | 4.0 | 6.5 | 7.0 | 6.0 | 6.5 | 4.0 | 7.2 | 4.4 | 3.1 | 0.0 | 0.0 | 0.0 | 27.9 |
| 3 | JPMorgan Chase | US | 10.0 | 2.0 | 10.0 | 4.0 | 3.0 | 5.8 | 9.1 | 7.0 | 8.1 | 6.0 | 3.0 | 4.5 | 6.0 | 3.0 | 4.5 | 7.0 | 3.5 | 4.4 | 3.0 | 7.0 | 1.0 | 2.0 | 27.8 |
| 4 | CCB | China | 10.0 | 4.0 | 7.0 | 8.0 | 0.0 | 5.8 | 2.8 | 10.0 | 6.4 | 6.0 | 5.0 | 5.5 | 5.0 | 3.0 | 4.0 | 5.0 | 3.7 | 3.5 | 2.4 | 9.0 | 0.0 | 2.3 | 26.4 |
| 5 | CTBC Bank | Taiwan | 1.0 | 6.0 | 6.0 | 5.0 | 1.0 | 3.8 | 3.8 | 10.0 | 6.9 | 3.0 | 3.0 | 3.0 | 7.0 | 9.0 | 8.0 | 5.0 | 1.0 | 4.8 | 2.2 | 10.0 | 0.0 | 2.5 | 26.4 |
| 6 | CMB | China | 4.0 | 6.0 | 9.0 | 8.0 | 3.0 | 6.0 | 3.5 | 10.0 | 6.8 | 1.0 | 6.0 | 3.5 | 7.0 | 6.0 | 6.5 | 4.0 | 2.7 | 3.7 | 2.1 | 6.0 | 0.0 | 1.5 | 26.3 |
| 7 | Bank of America | US | 6.0 | 4.0 | 5.0 | 5.0 | 10.0 | 6.0 | 6.6 | 7.0 | 6.8 | 5.0 | 3.0 | 4.0 | 4.9 | 3.0 | 4.0 | 10.0 | 0.0 | 4.6 | 2.9 | 8.0 | 1.0 | 2.3 | 25.9 |
| 8 | Garanti BBVA | Turkey | 1.0 | 2.0 | 9.0 | 6.0 | 0.0 | 3.6 | 5.8 | 7.0 | 6.4 | 4.0 | 2.0 | 3.0 | 8.5 | 8.0 | 8.3 | 8.0 | 5.0 | 4.5 | 3.5 | 3.0 | 1.0 | 1.0 | 25.8 |
| 9 | Royal Bank of Canada | Canada | 3.0 | 4.0 | 7.0 | 6.0 | 4.0 | 4.8 | 6.0 | 7.0 | 6.5 | 7.0 | 3.0 | 5.0 | 4.2 | 5.0 | 4.6 | 6.0 | 0.8 | 3.7 | 2.1 | 10.0 | 1.0 | 2.8 | 25.8 |
| 10 | Ping An Bank | China | 3.0 | 4.0 | 5.0 | 8.0 | 8.0 | 5.6 | 3.2 | 10.0 | 6.6 | 1.0 | 5.0 | 3.0 | 8.3 | 4.0 | 6.2 | 6.0 | 3.6 | 4.2 | 2.8 | 5.0 | 1.0 | 1.5 | 25.6 |
| 11 | BBVA (Spain) | Spain | 2.0 | 3.0 | 3.0 | 6.0 | 9.0 | 4.6 | 5.5 | 7.0 | 6.3 | 7.0 | 2.0 | 4.5 | 5.7 | 7.0 | 6.4 | 6.0 | 4.0 | 4.5 | 2.9 | 0.0 | 3.0 | 0.8 | 25.4 |
| 12 | UOB | Group | 1.0 | 4.0 | 5.0 | 5.0 | 0.0 | 3.0 | 4.6 | 10.0 | 7.3 | 6.0 | 5.0 | 5.5 | 5.1 | 4.0 | 4.6 | 8.0 | 2.5 | 4.3 | 3.0 | 5.0 | 1.0 | 1.5 | 24.8 |
| 13 | ICBC | China | 9.0 | 2.0 | 6.0 | 7.0 | 0.0 | 4.8 | 2.2 | 10.0 | 6.1 | 6.0 | 4.0 | 5.0 | 5.6 | 3.0 | 4.3 | 3.0 | 3.8 | 3.4 | 2.0 | 8.0 | 0.0 | 2.0 | 24.2 |
| 14 | DBS | Group | 1.0 | 4.0 | 6.0 | 4.0 | 10.0 | 5.0 | 6.0 | 1.0 | 3.5 | 7.0 | 2.0 | 4.5 | 5.0 | 5.0 | 5.0 | 6.0 | 3.3 | 4.3 | 2.7 | 9.0 | 1.0 | 2.5 | 23.2 |
| 15 | ING | Global | 3.0 | 0.0 | 10.0 | 3.0 | 1.0 | 3.4 | 5.8 | 7.0 | 6.4 | 6.0 | 1.0 | 3.5 | 7.3 | 3.0 | 5.2 | 7.0 | 4.0 | 4.1 | 3.0 | 5.0 | 2.0 | 1.8 | 23.2 |
| 16 | Banco Santander | Spain | 7.0 | 3.0 | 3.0 | 6.0 | 0.0 | 3.8 | 3.2 | 10.0 | 6.6 | 9.0 | 3.0 | 6.0 | 5.6 | 3.0 | 4.3 | 6.0 | 0.0 | 3.9 | 2.0 | 1.0 | 1.0 | 0.5 | 23.2 |
| 17 | CBA | Australia | 2.0 | 0.0 | 5.0 | 7.0 | 0.0 | 2.8 | 5.0 | 10.0 | 7.5 | 6.0 | 4.0 | 5.0 | 5.0 | 1.0 | 3.0 | 9.0 | 1.0 | 4.1 | 2.8 | 7.0 | 1.0 | 2.0 | 23.1 |
| 18 | HSBC | Global | 4.0 | 4.0 | 3.0 | 3.0 | 10.0 | 4.8 | 4.3 | 10.0 | 7.2 | 7.0 | 0.0 | 3.5 | 6.0 | 1.0 | 3.5 | 6.0 | 1.3 | 2.1 | 1.9 | 7.0 | 2.0 | 2.3 | 23.1 |
| 19 | Absa | Group | 1.0 | 7.0 | 4.0 | 6.0 | 9.0 | 5.4 | 2.6 | 5.0 | 3.8 | 5.0 | 3.0 | 4.0 | 4.5 | 8.0 | 6.3 | 6.0 | 4.4 | 4.8 | 2.7 | 0.0 | 3.0 | 0.8 | 22.9 |
| 20 | Nordea | Group | 1.0 | 4.0 | 2.0 | 6.0 | 4.0 | 3.4 | 4.0 | 7.0 | 5.5 | 5.0 | 1.0 | 3.0 | 5.5 | 6.0 | 5.8 | 6.0 | 3.0 | 4.2 | 2.6 | 8.0 | 1.0 | 2.3 | 22.5 |
| 21 | FirstRand | Group | 1.0 | 2.0 | 10.0 | 5.0 | 0.0 | 3.6 | 3.8 | 5.0 | 2.7 | 6.0 | 3.0 | 4.5 | 5.0 | 9.0 | 7.0 | 10.0 | 4.5 | 4.5 | 2.8 | 0.0 | 7.0 | 1.8 | 22.3 |
| 22 | Barclays | UK | 3.0 | 5.0 | 2.0 | 3.0 | 10.0 | 4.6 | 2.5 | 7.0 | 4.8 | 6.0 | 3.0 | 4.5 | 5.5 | 4.0 | 4.8 | 6.0 | 3.4 | 4.4 | 2.8 | 3.0 | 0.0 | 0.8 | 22.1 |
| 23 | StanChart | Global | 1.0 | 4.0 | 2.0 | 3.0 | 10.0 | 4.0 | 6.3 | 1.0 | 3.7 | 6.0 | 1.0 | 3.5 | 7.4 | 4.0 | 5.7 | 6.0 | 3.8 | 3.5 | 2.7 | 5.0 | 1.0 | 1.5 | 21.0 |
| 24 | Westpac | Australia | 2.0 | 0.0 | 3.0 | 6.0 | 1.0 | 2.4 | 4.6 | 7.0 | 5.8 | 6.0 | 3.0 | 4.5 | 4.4 | 1.0 | 2.7 | 8.0 | 0.0 | 3.6 | 2.3 | 7.0 | 2.0 | 2.3 | 20.0 |
| 25 | NedBank | Group | 1.0 | 4.0 | 8.0 | 4.0 | 3.0 | 4.0 | 3.9 | 5.0 | 4.5 | 4.0 | 0.0 | 2.0 | 5.3 | 7.0 | 6.2 | 6.0 | 4.7 | 3.7 | 2.9 | 0.0 | 0.0 | 0.0 | 19.5 |
| 26 | Citigroup | Global | 4.0 | 2.0 | 3.0 | 3.0 | 0.0 | 2.4 | 3.3 | 7.0 | 5.2 | 3.0 | 0.0 | 1.5 | 6.0 | 1.0 | 3.5 | 7.0 | 2.9 | 4.8 | 2.9 | 6.0 | 0.0 | 1.5 | 17.0 |
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.
Source: TABInsights
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Bryan Lo
Risk Management & Regulatory Strategy Expert
Brian Lo is a seasoned risk professional with nearly 30 years of experience across global financial institutions. Based in Hong Kong and Singapore, he has led teams in managing market and liquidity risk, counterparty risk, and asset and liability management. His expertise encompasses quantitative modelling, risk governance, stress testing, and regulatory compliance. Brian has also played a critical role in developing internal risk models, driving strategic initiatives, and advising on cutting-edge risk solutions, including AI and machine learning applications. Throughout his career, he has served on multiple risk committees, providing strategic insights to senior management and boards, and has been instrumental in implementing Basel reforms and risk management innovations. Brian’s approach integrates deep technical knowledge with practical leadership, making him a valuable contributor to banking risk management education and practice.
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