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.
Urs Bolt
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Urs Bolt is a seasoned professional with over 35 years of expertise in wealth management, investment banking, and technology. He helps individuals achieve financial well-being and advises senior leaders in financial services and technology on refining business strategies, developing markets, and forging impactful partnerships. Recognised as a global thought leader in digital banking, WealthTech, and decentralised finance, Urs is an active speaker, author, and jury member for esteemed awards and panels. A passionate advocate for sustainable progress, he champions energy policies that balance economic growth and ecological preservation through scientific solutions.
Sina Wulfmeyer
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Sina is a proven GenAI and data transformation specialist for financial applications with over 20 years of experience. Before Unique AG, Sina led data strategy projects at Credit Suisse AG and worked as a consultant at Accenture AG. She lectures on GenAI, AI Governance, and Data Protection at top universities like HSG St. Gallen and HEC Paris, inspiring future tech leaders. Sina also mentors startups on GenAI applications and serves on the ISO expert council in Switzerland. She was recently honored with the “Women in Banking and Fintech 2024” award for her Thought Leadership on Data Protection and AI Governance for GenAI applications for Financial Services by Handelsblatt (#1 business newspaper in Germany). Sina holds a PhD in Financial Modeling from the University of St. Gallen (HSG, Switzerland) and a Diploma in Economics from the University of Mannheim (Germany).
John Januszczak
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John Januszczak is a seasoned fintech leader and the President & CEO of UBX Philippines, the fintech venture studio and fund of Union Bank of the Philippines. He was appointed to this role after joining UnionBank as a Consultant in 2018. Prior to this, he served as the Chief Operating Officer of Manulife Philippines and held leadership roles such as Head of Global Business Process Management at Manulife Financial and Vice President of Product Management at Meta Software Corporation. His extensive experience in operations, technology, and financial services has positioned him as a key driver of digital transformation in the fintech space.
Under John’s leadership, UBX has grown into Southeast Asia’s fastest-growing fintech, building a robust ecosystem that helps startups and fintech founders access expertise, funding, and customers. He has spearheaded the incubation of award-winning ventures such as i2i, SeekCap, and BUX, while also managing a corporate venture fund that successfully invests in and scales fintech startups. By leveraging corporate ecosystems, open finance, and embedded finance, John continues to drive financial inclusion, innovation, and strategic growth in the Philippine fintech landscape.
Jonny Fry
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Jonny Fry led initiatives around blockchain and digital assets within the regulated banking environment at ClearBank. With over three decades of experience in financial services, Jonny is widely recognised as a thought leader in digital innovation. He is currently the CEO of TeamBlockchain, Chairman of Gemini Capital UK, and author of Digital Bytes, a weekly publication analysing blockchain developments. At ClearBank, he focused on integrating digital asset strategies to support institutional-grade infrastructure for next-generation financial services. In 2022, he was named CryptoAM’s “Influencer of the Year.”.
David Parsons
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David Parsons is an accomplished technology executive with over 25 years of experience leading digital financial infrastructure initiatives across the US and Europe. As Chief Technology Officer at NiftyOne, he drives innovation, technology strategy, and platform development. His expertise spans go-to-market strategies, business development, and regulatory frameworks, underpinned by a strong track record of working with global technology providers, hardware manufacturers, and software developers. David’s strategic vision and hands-on leadership have consistently enabled the successful deployment of scalable, secure, and compliant digital solutions in the financial sector.
Helen Child
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Helen Child is the Founder and CEO of Open Banking Excellence (OBE), the world’s leading community of Open Banking and Open Finance pioneers. With a legacy of innovation rooted in her family’s 400-year history in banking, Helen’s journey includes founding the UK’s first e-Money Licence Issuer to be awarded licences by Mastercard and Visa. She has played a pivotal role in the development of the UK’s Open Banking ecosystem and has become a global ambassador for the movement, advising governments and regulators in emerging markets like Brazil and Saudi Arabia.
Sandeep Deobhakta
President and CEO, Manulife China Bank Life Assurance Corporation; and Author of Banking by Design
Sandeep Deobhakta is a veteran financial services leader and design innovator with over 35 years of experience spanning banking, wealth management, and bancassurance across ten countries. He has held senior roles at major institutions including Citibank, Shinsei Bank in Japan where he helped transform it into an award-winning digital retail bank using Human-Centered Design and VP Bank in Vietnam, where he drove significant retail banking growth. Most recently, he served as President & CEO of Manulife China Bank Life Assurance Corporation in the Philippines, steering innovation in bancassurance and strategic partnerships.
A champion of innovation at the intersection of finance and design, Sandeep is currently pursuing PhD research focused on AI and Design Thinking in financial services. He is the author of Banking by Design (2024) and teaches fintech at Dai Nam University in Vietnam.
Rafiza Ghazali
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With over 25 years of experience in strategy, finance, banking, and innovation, Rafiza Ghazali currently serves as the CEO of KAF Digital Bank, where she is responsible for the development and operationalisation of the retail/consumer digital bank. She brings deep expertise in corporate finance, Islamic finance, and fintech to her leadership role.
Previously, she was the Group CEO of Cradle Fund, where she played a key role in transforming Malaysia’s early-stage funding and venture capital ecosystem. Her extensive C-suite experience spans across various sectors including consumer products and services, energy, property, and media—where she has contributed to enhancing performance, governance, and sustainability. Rafiza is a Chartered Accountant with the Australian Institute of Chartered Accountants. She also holds a Postgraduate Diploma in Strategy and Innovation from the University of Oxford and a BSc in Economics from the London School of Economics. She is passionate about creating meaningful impact through digital innovation in banking and advancing financial inclusion. She is also deeply committed to fostering a culture of collaboration, diversity, and excellence across her teams and stakeholders.