Strongest banks in the Middle East in 2023
The TAB Global 1000 World’s Strongest Banks ranking evaluates the 1000 largest banks in the world based on their strength. In this year's ranking, the performance of 69 banks from the Middle East for the fiscal year 2022 is assessed, with data collected up to the March 2023 cutoff date. This ranking employs a detailed and transparent scorecard to assess banks using six criteria related to balance sheet performance: scale, balance sheet growth, risk profile, profitability, asset quality, and liquidity, encompassing 14 specific factors.
Middle Eastern banks stood out in profitability and risk profile. Saudi Arabian banks secured the highest average score in the Middle East, with Israeli banks following closely. The three largest banks in Saudi Arabia ranked among the top 30 strongest banks globally. Despite receiving relatively lower scores in scale, Saudi Arabian banks excelled in other dimensions, especially risk profile, asset quality, and profitability.
| Assets | Loans | Deposits | LDR | CAR | Profit | ROA | Costs | Fees | NPLs | Reserves | Liquidity | LCR | NSFR | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Strength Rank 2023 | Largest Bank Rank 2023 | Bank | Country | Score (15%) | Score (2.5%) | Score (2.5%) | Score (5%) | Score (15%) | Score (2.5%) | Score (5%) | Score (7.5%) | Score (5%) | Score (12.5%) | Score (12.5%) | Score (5.0%) | Score (5.0%) | Score (5.0%) | Aggregate Strength Score 2023 |
| 1 | 4 | Al Rajhi Bank | Saudi Arabia | 7.0 | 10.0 | 7.0 | 8.0 | 10.0 | 3.0 | 10.0 | 10.0 | 5.0 | 9.0 | 10.0 | 3.0 | 7.0 | 6.0 | 8.13 |
| 2 | 15 | Riyad Bank | Saudi Arabia | 5.0 | 6.0 | 8.0 | 8.0 | 10.0 | 5.0 | 10.0 | 9.0 | 6.0 | 6.0 | 10.0 | 5.0 | 8.0 | 6.0 | 7.55 |
| 3 | 6 | Bank Leumi | Israel | 6.0 | 7.0 | 4.0 | 8.0 | 7.0 | 6.0 | 5.0 | 8.0 | 5.0 | 10.0 | 10.0 | 9.0 | 7.0 | 7.0 | 7.53 |
| 4 | 3 | Saudi National Bank | Saudi Arabia | 7.0 | 6.0 | 1.0 | 9.0 | 9.0 | 5.0 | 9.0 | 10.0 | 4.0 | 6.0 | 10.0 | 4.0 | 9.0 | 6.0 | 7.50 |
| 5 | 11 | Kuwait Finance House | Kuwait | 6.0 | #5.0 | #1.0 | 10.0 | 8.0 | #6.0 | 8.0 | 9.0 | 6.0 | 7.0 | 10.0 | 7.0 | 8.0 | 6.0 | 7.45 |
| 6 | 5 | Emirates NBD | UAE | 7.0 | 1.0 | 7.0 | 10.0 | 9.0 | 9.0 | 9.0 | 10.0 | 6.0 | 2.0 | 10.0 | 6.0 | 8.0 | 6.0 | 7.33 |
| 7 | 12 | National Bank of Kuwait | Kuwait | 6.0 | 4.0 | 7.0 | 8.0 | 8.0 | 3.0 | 7.0 | 8.0 | 6.0 | 7.0 | 10.0 | 7.0 | 7.0 | 6.0 | 7.23 |
| 8 | 7 | Bank Hapoalim | Israel | 6.0 | 6.0 | 3.0 | 9.0 | 7.0 | 10.0 | 5.0 | 7.0 | 5.0 | 8.0 | 10.0 | 8.0 | 6.0 | 7.0 | 7.20 |
| 9 | 1 | Qatar National Bank | Qatar | 7.0 | 4.0 | 6.0 | 9.0 | 9.0 | 6.0 | 6.0 | 10.0 | 4.0 | 5.0 | 10.0 | 4.0 | 6.0 | 6.0 | 7.18 |
| 9 | 16 | Awwal Bank | Saudi Arabia | 5.0 | 5.0 | 8.0 | 10.0 | 9.0 | 7.0 | 8.0 | 8.0 | 5.0 | 5.0 | 10.0 | 4.0 | 8.0 | 7.0 | 7.18 |
| 11 | 13 | Israel Discount Bank | Israel | 6.0 | 7.0 | 7.0 | 10.0 | 6.0 | 10.0 | 4.0 | 5.0 | 6.0 | 9.0 | 10.0 | 6.0 | 7.0 | 6.0 | 7.10 |
| 11 | 40 | Commercial International Bank | Egypt | 2.0 | 10.0 | 10.0 | 5.0 | 10.0 | 5.0 | 10.0 | 10.0 | 2.0 | 3.0 | 10.0 | 10.0 | 10.0 | 9.0 | 7.10 |
| 13 | 50 | Commercial Bank of Kuwait | Kuwait | 1.0 | 4.0 | 7.0 | 8.0 | 8.0 | 0.0 | 8.0 | 6.0 | 8.0 | 10.0 | 10.0 | 9.0 | 9.0 | 6.0 | 6.98 |
| 14 | 10 | Mizrahi Tefahot Bank | Israel | 6.0 | 7.0 | 7.0 | 10.0 | 6.0 | 10.0 | 5.0 | 6.0 | 5.0 | 8.0 | 10.0 | 5.0 | 6.0 | 6.0 | 6.95 |
| 15 | 22 | Mashreq Bank | UAE | 3.0 | 6.0 | 8.0 | 9.0 | 8.0 | 8.0 | 10.0 | 7.0 | 8.0 | 4.0 | 10.0 | 9.0 | 7.0 | 6.0 | 6.93 |
| 15 | 23 | Alinma Bank | Saudi Arabia | 3.0 | 8.0 | 9.0 | 8.0 | 9.0 | 5.0 | 9.0 | 9.0 | 5.0 | 6.0 | 10.0 | 3.0 | 7.0 | 6.0 | 6.93 |
| 17 | 24 | Qatar Islamic Bank | Qatar | 3.0 | 1.0 | 1.0 | 9.0 | 9.0 | 2.0 | 10.0 | 10.0 | 8.0 | 7.0 | 10.0 | 2.0 | 7.0 | 7.0 | 6.93 |
| 18 | 21 | FIBI | Israel | 3.0 | 7.0 | 7.0 | 8.0 | 6.0 | 9.0 | 4.0 | 6.0 | 6.0 | 10.0 | 10.0 | 8.0 | 7.0 | 7.0 | 6.88 |
| 19 | 2 | First Abu Dhabi Bank | UAE | 7.0 | 7.0 | 8.0 | 8.0 | 7.0 | 0.0 | 6.0 | 9.0 | 7.0 | 4.0 | 7.0 | 10.0 | 8.0 | 6.0 | 6.78 |
| 20 | 19 | Banque Saudi Fransi | Saudi Arabia | 4.0 | 5.0 | 7.0 | 8.0 | 9.0 | 3.0 | 7.0 | 9.0 | 4.0 | 5.0 | 10.0 | 4.0 | 8.0 | 6.0 | 6.73 |
| 21 | 20 | Arab National Bank | Saudi Arabia | 3.0 | 7.0 | 8.0 | 9.0 | 9.0 | 5.0 | 7.0 | 8.0 | 4.0 | 6.0 | 10.0 | 2.0 | 8.0 | 6.0 | 6.70 |
| 22 | 30 | Bank Albilad | Saudi Arabia | 2.0 | 6.0 | 9.0 | 9.0 | 8.0 | 4.0 | 8.0 | 7.0 | 6.0 | 7.0 | 10.0 | 4.0 | 8.0 | 6.0 | 6.68 |
| 23 | 9 | Abu Dhabi Commercial Bank | UAE | 6.0 | 4.0 | 9.0 | 10.0 | 7.0 | 4.0 | 6.0 | 9.0 | 6.0 | 3.0 | 9.0 | 7.0 | 7.0 | 6.0 | 6.65 |
| 24 | 28 | Ahli United Bank | Bahrain | 3.0 | 1.0 | 1.0 | 10.0 | 8.0 | 3.0 | 6.0 | 10.0 | 6.0 | 6.0 | 10.0 | 5.0 | 9.0 | 6.0 | 6.63 |
| 25 | 8 | National Bank of Egypt | Egypt | 6.0 | 10.0 | 10.0 | 6.0 | 7.0 | 10.0 | 4.0 | 9.0 | 3.0 | 8.0 | 10.0 | 4.0 | 1.0 | 1.0 | 6.58 |
| 25 | 36 | Saudi Investment Bank | Saudi Arabia | 2.0 | 9.0 | 8.0 | 9.0 | 8.0 | 5.0 | 6.0 | 7.0 | 4.0 | 6.0 | 10.0 | 6.0 | 9.0 | 6.0 | 6.58 |
| 25 | 62 | Al Salam Bank | Bahrain | 1.0 | 10.0 | 10.0 | 8.0 | 10.0 | 8.0 | 5.0 | 5.0 | 6.0 | 6.0 | 10.0 | 3.0 | 9.0 | 6.0 | 6.58 |
| 28 | 14 | Banque Misr | Egypt | 6.0 | 9.0 | 10.0 | 5.0 | 4.0 | 9.0 | 5.0 | 8.0 | 4.0 | 3.0 | 8.0 | 10.0 | 10.0 | 10.0 | 6.38 |
| 29 | 64 | BBK | Bahrain | 0.0 | 1.0 | 2.0 | 9.0 | 10.0 | 7.0 | 8.0 | 6.0 | 6.0 | 4.0 | 10.0 | 9.0 | 9.0 | 7.0 | 6.35 |
| 30 | 34 | Bank AlJazira | Saudi Arabia | 2.0 | 7.0 | 7.0 | 10.0 | 9.0 | 0.0 | 5.0 | 5.0 | 6.0 | 6.0 | 10.0 | 3.0 | 8.0 | 6.0 | 6.28 |
| 30 | 44 | Al Ahli Bank of Kuwait | Kuwait | 2.0 | 9.0 | 8.0 | 9.0 | 7.0 | 3.0 | 2.0 | 6.0 | 6.0 | 7.0 | 10.0 | 5.0 | 9.0 | 6.0 | 6.28 |
| 32 | 51 | Warba Bank | Kuwait | 1.0 | 10.0 | 9.0 | 5.0 | 8.0 | 0.0 | 2.0 | 7.0 | 8.0 | 8.0 | 10.0 | 4.0 | 8.0 | 6.0 | 6.25 |
| 33 | 54 | National Bank of Fujairah | UAE | 1.0 | 3.0 | 7.0 | 9.0 | 9.0 | 6.0 | 3.0 | 9.0 | 7.0 | 2.0 | 10.0 | 7.0 | 10.0 | 6.0 | 6.18 |
| 34 | 31 | Bank Muscat | Oman | 2.0 | 2.0 | 2.0 | 7.0 | 10.0 | 1.0 | 7.0 | 7.0 | 7.0 | 4.0 | 10.0 | 3.0 | 9.0 | 6.0 | 6.15 |
| 35 | 52 | Ahli Bank | Qatar | 1.0 | 2.0 | 4.0 | 5.0 | 10.0 | 4.0 | 8.0 | 10.0 | 3.0 | 5.0 | 10.0 | 3.0 | 7.0 | 6.0 | 6.13 |
| 36 | 55 | National Bank of Bahrain | Bahrain | 1.0 | 3.0 | 5.0 | 9.0 | 10.0 | 4.0 | 7.0 | 5.0 | 5.0 | 4.0 | 9.0 | 4.0 | 10.0 | 7.0 | 6.05 |
| 37 | 57 | Kuwait International Bank | Kuwait | 1.0 | 8.0 | 8.0 | 6.0 | 8.0 | 10.0 | 2.0 | 6.0 | 7.0 | 5.0 | 10.0 | 5.0 | 8.0 | 6.0 | 6.03 |
| 38 | 49 | QIIB | Qatar | 1.0 | 1.0 | 1.0 | 9.0 | 8.0 | 1.0 | 8.0 | 10.0 | 10.0 | 5.0 | 10.0 | 5.0 | 6.0 | 1.0 | 6.00 |
| 39 | 29 | Arab Banking Corporation | Bahrain | 2.0 | 5.0 | 4.0 | 10.0 | 8.0 | 9.0 | 2.0 | 3.0 | 6.0 | 4.0 | 10.0 | 8.0 | 9.0 | 6.0 | 5.98 |
| 40 | 43 | Gulf Bank | Kuwait | 2.0 | 4.0 | 2.0 | 6.0 | 8.0 | 1.0 | 4.0 | 6.0 | 5.0 | 7.0 | 10.0 | 4.0 | 9.0 | 6.0 | 5.95 |
| 41 | 32 | Gulf International Bank | Bahrain | 2.0 | 1.0 | 5.0 | 6.0 | 8.0 | 10.0 | 1.0 | 1.0 | 6.0 | 6.0 | 10.0 | 10.0 | 8.0 | 8.0 | 5.93 |
| 42 | 17 | Dubai Islamic Bank | UAE | 4.0 | 1.0 | 1.0 | 9.0 | 8.0 | 3.0 | 9.0 | 10.0 | 5.0 | 2.0 | 8.0 | 2.0 | 8.0 | 6.0 | 5.88 |
| 42 | 25 | Commercial Bank | Qatar | 3.0 | 1.0 | 3.0 | 5.0 | 8.0 | 4.0 | 8.0 | 10.0 | 6.0 | 3.0 | 10.0 | 5.0 | 8.0 | 1.0 | 5.88 |
| 42 | 65 | Capital Bank of Jordan | Jordan | 0.0 | 10.0 | 10.0 | 8.0 | 7.0 | 8.0 | 7.0 | 6.0 | 7.0 | 3.0 | 10.0 | 3.0 | 9.0 | 7.0 | 5.88 |
| 45 | 18 | Arab Bank Group | Jordan | 4.0 | 2.0 | 3.0 | 8.0 | 8.0 | 5.0 | 4.0 | 6.0 | 8.0 | 2.0 | 10.0 | 7.0 | 9.0 | 1.0 | 5.85 |
| 46 | 42 | Burgan Bank | Kuwait | 2.0 | 1.0 | 1.0 | 7.0 | 8.0 | 0.0 | 4.0 | 6.0 | 8.0 | 5.0 | 10.0 | 5.0 | 8.0 | 6.0 | 5.78 |
| 47 | 46 | RAKBANK | UAE | 1.0 | 5.0 | 9.0 | 9.0 | 8.0 | 2.0 | 9.0 | 7.0 | 6.0 | 4.0 | 10.0 | 7.0 | 1.0 | 1.0 | 5.68 |
| 48 | 27 | Abu Dhabi Islamic Bank | UAE | 3.0 | 9.0 | 10.0 | 9.0 | 8.0 | 9.0 | 10.0 | 9.0 | 7.0 | 1.0 | 6.0 | 5.0 | 1.0 | 1.0 | 5.55 |
| 49 | 35 | Dukhan Bank | Qatar | 2.0 | 2.0 | 1.0 | 8.0 | 9.0 | 0.0 | 5.0 | 10.0 | 10.0 | 3.0 | 8.0 | 2.0 | 6.0 | 1.0 | 5.45 |
| 49 | 60 | National Bank of Oman | Oman | 1.0 | 5.0 | 4.0 | 6.0 | 8.0 | 6.0 | 5.0 | 7.0 | 6.0 | 3.0 | 9.0 | 2.0 | 9.0 | 6.0 | 5.45 |
| 51 | 33 | Commercial Bank of Dubai | UAE | 2.0 | 1.0 | 2.0 | 9.0 | 8.0 | 5.0 | 7.0 | 10.0 | 6.0 | 1.0 | 8.0 | 5.0 | 5.0 | 5.0 | 5.43 |
| 51 | 41 | Al Baraka Group | Bahrain | 2.0 | 1.0 | 1.0 | 8.0 | *7.0 | 7.0 | 4.0 | 6.0 | 8.0 | 4.0 | 10.0 | 4.0 | *8.0 | 1.0 | 5.43 |
| 51 | 45 | QNB Alahli | Egypt | 1.0 | 10.0 | 10.0 | 6.0 | 5.0 | 9.0 | 10.0 | 10.0 | 4.0 | 2.0 | 10.0 | 4.0 | 6.0 | 1.0 | 5.43 |
| 51 | 56 | Housing Bank | Jordan | 1.0 | 5.0 | 3.0 | 9.0 | 9.0 | 0.0 | 7.0 | 6.0 | 4.0 | 3.0 | 10.0 | 4.0 | 8.0 | 1.0 | 5.43 |
| 55 | 61 | Sohar International Bank | Oman | 1.0 | 7.0 | 6.0 | 6.0 | 10.0 | 6.0 | 4.0 | 7.0 | 5.0 | 2.0 | 7.0 | 4.0 | 7.0 | 6.0 | 5.38 |
| 56 | 48 | Sharjah Islamic Bank | UAE | 1.0 | 4.0 | 4.0 | 9.0 | 9.0 | 6.0 | 5.0 | 8.0 | 9.0 | 2.0 | 8.0 | 7.0 | 1.0 | 1.0 | 5.30 |
| 57 | 67 | Ahli Bank | Oman | 0.0 | 3.0 | 5.0 | 7.0 | 8.0 | 2.0 | 5.0 | 7.0 | 4.0 | 4.0 | 9.0 | 3.0 | 7.0 | 6.0 | 5.20 |
| 58 | 69 | Faisal Islamic Bank | Egypt | 0.0 | 4.0 | 8.0 | 2.0 | 5.0 | 6.0 | 10.0 | 8.0 | 6.0 | 4.0 | 10.0 | 10.0 | 1.0 | 1.0 | 5.05 |
| 59 | 26 | Masraf Al Rayan | Qatar | 3.0 | 1.0 | 1.0 | 4.0 | 10.0 | 3.0 | 4.0 | 10.0 | 10.0 | 2.0 | 4.0 | 1.0 | 5.0 | 5.0 | 5.03 |
| 59 | 38 | Doha Bank | Qatar | 2.0 | 1.0 | 2.0 | 5.0 | 9.0 | 0.0 | 3.0 | 9.0 | 5.0 | 2.0 | 7.0 | 7.0 | 9.0 | 1.0 | 5.03 |
| 61 | 59 | Bank Dhofar | Oman | 1.0 | 2.0 | 2.0 | 5.0 | 8.0 | 8.0 | 3.0 | 6.0 | 3.0 | 3.0 | 10.0 | 2.0 | 6.0 | 6.0 | 4.98 |
| 62 | 66 | Bank al Etihad | Jordan | 0.0 | 9.0 | 5.0 | 9.0 | 6.0 | 3.0 | 3.0 | 5.0 | 5.0 | 4.0 | 10.0 | 3.0 | 8.0 | 1.0 | 4.90 |
| 63 | 53 | AAIB | Egypt | 1.0 | 1.0 | 1.0 | 6.0 | 5.0 | 3.0 | 5.0 | 8.0 | 4.0 | 1.0 | 9.0 | 10.0 | 1.0 | 1.0 | 4.23 |
| 64 | 68 | Bank of Palestine | Palestine | 0.0 | 3.0 | 2.0 | 8.0 | 3.5 | 5.0 | 5.0 | 5.0 | 6.0 | *2.0 | *9.0 | 9.0 | 1.0 | 1.0 | 4.03 |
| 65 | 63 | Bank of Sharjah | UAE | 1.0 | 2.0 | 6.0 | 10.0 | 5.0 | 0.0 | 0.0 | 4.0 | 4.0 | 2.0 | 10.0 | 2.0 | 1.0 | 1.0 | 3.80 |
| 66 | 39 | BLOM Bank | Lebanon | 2.0 | 1.0 | 2.0 | 1.0 | *6.0 | 0.0 | 1.0 | 0.0 | 0.0 | 0.0 | 10.0 | *10.0 | 1.0 | 1.0 | 3.23 |
| 67 | 47 | Byblos Bank | Lebanon | 1.0 | 1.0 | 1.0 | 2.0 | *6.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8.0 | 10.0 | 1.0 | 1.0 | 2.80 |
| 68 | 58 | Bank of Beirut | Lebanon | 1.0 | 1.0 | 1.0 | 3.0 | *7.0 | 0.0 | 0.0 | 0.0 | 0.0 | *0.0 | *6.0 | 10.0 | 1.0 | 1.0 | 2.75 |
| 69 | 37 | Bank Audi | Lebanon | 2.0 | 1.0 | 1.0 | 3.0 | 3.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8.0 | 10.0 | 1.0 | 1.0 | 2.55 |
Notes:
- 10 = Highest, 0 = Lowest.
- LDR = Loan-to-deposit ratio. CAR = Capital adequacy ratio. Profit = Operating profit. ROA = Return on assets. Costs = Cost-to-income ratio. Fees = Non-interest income to total operating income.
- NPLs = Gross NPL ratio. Reserves = Loan loss reserves to gross NPLs. Liquidity = Liquid assets to total deposits and borrowings. LCR = Liquidity coverage ratio. NSFR = Net stable funding ratio.
- CCB = City Commercial Bank. RCB = Rural Commercial Bank.
- Based on figures for FY2022, with a March 2023 cutoff.
- *Based on FY2021 figures.
- # Based on adjusted growth rate.
Source: TABInsights
Strongest banks in the Middle East in 2022
The Asian Banker has been publishing the world’s first authoritative annual ranking of the Strongest Banks in Asia Pacific since 2007 based on balance sheet strength. It uses a detailed and transparent scorecard to evaluate the ranking which entails six areas of balance sheet financial performance: the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. The ranking has since been expanded to include banks in the Middle East, Africa, and Central Asia as well as Islamic banks globally.
In this year’s The Asian Banker Strongest Banks By Balance Sheet evaluation, Saudi National Bank has emerged as the strongest bank in the Middle East. This is based on a detailed and transparent scorecard that evaluates commercial banks and financial holding companies (banks) on six areas of balance sheet financial performance, namely the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. Saudi Arabian banks continued to demonstrate stronger balance sheets than banks in other Middle Eastern countries. Out of the top ten strongest banks in the Middle East, four are from Saudi Arabia. Saudi Arabian banks achieved the highest average score in profitability and their average gross non-performing loan (NPL) ratio was the second lowest in the region.
The profitability of Middle Eastern banks weakened amid the challenging operating environment, with the average return on assets (ROA) falling to 0.88% in the financial year (FY) 2020 from 1.53% in the previous year. Banks in the UAE, Jordan and Bahrain experienced a considerable decrease in ROA. The average gross non-performing loan ratio of banks in the region deteriorated modestly from 3.6% in FY2019 to 4.3% in FY2020, as the COVID-related support measures postponed the asset quality issues. Middle Eastern banks maintained strong capital positions as evidenced by an improvement in average capital adequacy ratio to 18.4% in FY2020 from 17.9% in FY2019.
| Assets | Loans | Deposits | LDR | CAR | Profit | ROA | Costs | Fees | Reserves | NPLs | Liquidity | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Strength Rank 2022 | MEA200 Largest Banks 2022 | Bank | Country | Score (17.5%) | Score (2.5%) | Score (2.5%) | Score (7.5%) | Score (12.5%) | Score (5.0%) | Score (7.5%) | Score (7.5%) | Score (7.5%) | Score (12.5%) | Score (12.5%) | Score (5.0%) | Aggregate Strength Score 2022 |
| 1 | 3 | Saudi National Bank | Saudi Arabia | 5.0 | 4.5 | 4.5 | 2.5 | 4.5 | 2.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 3.5 | 4.15 |
| 2 | 7 | Al Rajhi Bank | Saudi Arabia | 4.5 | 4.5 | 4.0 | 2.0 | 4.0 | 3.5 | 5.0 | 5.0 | 2.5 | 5.0 | 4.5 | 3.0 | 4.10 |
| 3 | 2 | First Abu Dhabi Bank | UAE | 5.0 | 1.0 | 2.5 | 4.0 | 3.5 | 2.0 | 4.0 | 5.0 | 5.0 | 4.0 | 2.5 | 5.0 | 3.91 |
| 4 | 1 | Qatar National Bank | Qatar | 5.0 | 1.0 | 1.5 | 1.0 | 4.5 | 1.5 | 4.0 | 5.0 | 2.0 | 5.0 | 3.5 | 3.0 | 3.69 |
| 5 | 17 | Kuwait Finance House | Kuwait | 3.0 | 1.0 | 1.0 | 3.5 | 4.5 | 0.5 | 4.5 | 4.5 | 3.0 | 5.0 | 3.5 | 4.5 | 3.61 |
| 6 | 11 | National Bank of Kuwait | Kuwait | 4.0 | 2.5 | 1.5 | 0.0 | 4.5 | 1.0 | 4.0 | 4.5 | 3.0 | 5.0 | 4.0 | 4.0 | 3.60 |
| 7 | 21 | Qatar Islamic Bank | Qatar | 3.0 | 1.5 | 2.5 | 1.0 | 4.5 | 1.5 | 5.0 | 5.0 | 4.0 | 5.0 | 3.5 | 1.5 | 3.53 |
| 8 | 13 | Riyad Bank | Saudi Arabia | 3.5 | 2.5 | 1.0 | 0.5 | 4.5 | 0.0 | 5.0 | 5.0 | 3.0 | 5.0 | 3.5 | 3.5 | 3.51 |
| 9 | 5 | Emirates NBD Bank | UAE | 4.5 | 0.0 | 0.0 | 1.5 | 4.5 | 0.5 | 4.0 | 5.0 | 3.0 | 5.0 | 2.0 | 3.5 | 3.44 |
| 10 | 20 | Banque Saudi Fransi | Saudi Arabia | 3.0 | 2.5 | 2.5 | 0.5 | 5.0 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.0 | 3.0 | 3.43 |
| 11 | 25 | Masraf Al Rayan | Qatar | 2.5 | 4.5 | 5.0 | 0.0 | 5.0 | 1.5 | 4.0 | 5.0 | 4.0 | 4.0 | 3.5 | 1.5 | 3.36 |
| 12 | 16 | SABB | Saudi Arabia | 3.0 | 2.0 | 0.0 | 2.0 | 5.0 | 0.0 | 3.5 | 4.0 | 3.0 | 5.0 | 3.5 | 3.0 | 3.35 |
| 13 | 27 | Alinma Bank | Saudi Arabia | 2.5 | 2.5 | 0.5 | 0.5 | 5.0 | 2.0 | 5.0 | 4.5 | 2.5 | 5.0 | 3.5 | 2.0 | 3.34 |
| 14 | 19 | Arab Bank | Jordan | 3.0 | 4.0 | 4.0 | 4.0 | 4.0 | 1.0 | 1.5 | 3.5 | 4.0 | 5.0 | 2.0 | 4.0 | 3.33 |
| 15 | 22 | Arab National Bank | Saudi Arabia | 3.0 | 2.5 | 1.0 | 1.5 | 5.0 | 0.0 | 3.5 | 4.5 | 2.5 | 5.0 | 3.5 | 2.0 | 3.30 |
| 16 | 24 | Mashreqbank | UAE | 2.5 | 2.5 | 3.0 | 2.5 | 3.5 | 4.5 | 1.5 | 3.5 | 5.0 | 5.0 | 2.0 | 4.5 | 3.28 |
| 17 | 29 | Ahli United Bank | Bahrain | 2.5 | 1.5 | 0.5 | 2.0 | 4.0 | 0.0 | 4.5 | 5.0 | 2.5 | 5.0 | 3.5 | 3.5 | 3.28 |
| 18 | 61 | Commercial Bank of Kuwait | Kuwait | 0.5 | 0.0 | 0.0 | 0.0 | 4.5 | 2.0 | 4.0 | 5.0 | 4.5 | 5.0 | 5.0 | 5.0 | 3.26 |
| 19 | 115 | Kuwait Finance House | Bahrain | 0.0 | 1.0 | 2.5 | 4.5 | 5.0 | 4.5 | 4.0 | 3.5 | 3.5 | 5.0 | 4.0 | 0.0 | 3.23 |
| 20 | 28 | Commercial Bank | Qatar | 2.5 | 0.5 | 2.0 | 0.0 | 4.5 | 3.0 | 4.5 | 5.0 | 3.0 | 4.5 | 2.5 | 3.5 | 3.20 |
| 21 | 43 | Bank AlJazira | Saudi Arabia | 1.5 | 3.0 | 3.0 | 3.0 | 5.0 | 1.5 | 3.0 | 3.5 | 3.0 | 5.0 | 3.5 | 1.5 | 3.19 |
| 22 | 55 | QIIB | Qatar | 1.0 | 0.0 | 1.5 | 1.0 | 4.0 | 1.0 | 5.0 | 5.0 | 4.0 | 5.0 | 3.5 | 4.0 | 3.15 |
| 23 | 35 | Gulf International Bank | Bahrain | 2.0 | 2.5 | 1.5 | 5.0 | 4.0 | 5.0 | 0.5 | 0.5 | 3.5 | 4.5 | 3.5 | 4.5 | 3.14 |
| 24 | 39 | Bank Albilad | Saudi Arabia | 1.5 | 3.5 | 2.5 | 0.5 | 4.5 | 1.5 | 4.5 | 3.5 | 2.5 | 5.0 | 4.0 | 2.5 | 3.13 |
| 25 | 90 | Jordan Islamic Bank | Jordan | 0.5 | 2.0 | 2.5 | 2.5 | 5.0 | 1.5 | 3.5 | 4.0 | 3.0 | 5.0 | 3.5 | 3.5 | 3.11 |
| 26 | 33 | Arab Banking Corporation | Bahrain | 2.0 | 1.5 | 3.5 | 2.5 | 4.0 | 5.0 | 1.0 | 1.5 | 3.5 | 5.0 | 3.0 | 4.5 | 3.09 |
| 27 | 9 | Abu Dhabi Commercial Bank | UAE | 4.0 | 0.5 | 1.0 | 1.5 | 3.5 | 0.0 | 4.0 | 5.0 | 3.0 | 3.5 | 2.0 | 4.0 | 3.08 |
| 28 | 38 | Dukhan Bank | Qatar | 2.0 | 4.0 | 4.5 | 1.0 | 4.5 | 0.5 | 3.5 | 5.0 | 4.0 | 4.0 | 2.5 | 2.0 | 3.08 |
| 29 | 68 | Warba Bank | Kuwait | 0.5 | 0.0 | 0.0 | 0.0 | 5.0 | 4.5 | 1.0 | 5.0 | 4.5 | 5.0 | 4.0 | 3.5 | 3.03 |
| 30 | 34 | Bank Muscat | Oman | 2.0 | 0.5 | 1.0 | 0.5 | 5.0 | 0.5 | 4.5 | 4.0 | 3.0 | 5.0 | 2.5 | 2.5 | 3.00 |
| 31 | 15 | Dubai Islamic Bank | UAE | 3.5 | 0.0 | 0.0 | 1.5 | 4.0 | 0.5 | 4.5 | 5.0 | 3.0 | 3.5 | 2.0 | 2.0 | 2.98 |
| 32 | 44 | Saudi Investment Bank | Saudi Arabia | 1.5 | 1.0 | 0.5 | 1.5 | 5.0 | 0.0 | 3.0 | 3.5 | 2.0 | 5.0 | 3.5 | 4.5 | 2.96 |
| 33 | 59 | Sharjah Islamic Bank | UAE | 0.5 | 0.0 | 3.0 | 3.0 | 5.0 | 1.5 | 2.5 | 4.0 | 4.0 | 4.5 | 2.5 | 4.0 | 2.95 |
| 34 | 53 | Al Ahli Bank of Kuwait | Kuwait | 1.0 | 2.0 | 2.5 | 2.0 | 4.5 | 1.5 | 1.5 | 3.5 | 3.0 | 5.0 | 3.5 | 4.0 | 2.94 |
| 35 | 77 | Citibank | UAE | 0.5 | 1.0 | 3.0 | 5.0 | 3.0 | 0.0 | 3.0 | 2.0 | 5.0 | 5.0 | 3.0 | 5.0 | 2.94 |
| 36 | 80 | Gulf International Bank | Saudi Arabia | 0.5 | 4.0 | 4.0 | 2.0 | 5.0 | 5.0 | 1.0 | 0.5 | 4.5 | 4.5 | 3.5 | 3.5 | 2.94 |
| 37 | 93 | Al Salam Bank | Bahrain | 0.5 | 1.5 | 4.0 | 4.5 | 5.0 | 0.5 | 2.0 | 3.0 | 1.5 | 5.0 | 3.5 | 3.5 | 2.94 |
| 38 | 47 | Burgan Bank | Kuwait | 1.5 | 0.0 | 0.5 | 0.5 | 4.0 | 2.0 | 1.5 | 4.0 | 4.5 | 5.0 | 3.5 | 4.0 | 2.93 |
| 39 | 57 | RAKBANK | UAE | 1.0 | 1.5 | 0.5 | 2.0 | 4.0 | 0.0 | 4.5 | 4.0 | 3.5 | 5.0 | 2.5 | 4.0 | 2.91 |
| 40 | 81 | BBK | Bahrain | 0.5 | 1.0 | 0.0 | 3.0 | 5.0 | 0.0 | 4.5 | 3.0 | 3.0 | 5.0 | 2.0 | 4.5 | 2.85 |
| 41 | 100 | Capital Bank of Jordan | Jordan | 0.5 | 4.5 | 5.0 | 3.0 | 3.5 | 0.5 | 5.0 | 3.0 | 2.5 | 5.0 | 2.0 | 3.5 | 2.85 |
| 42 | 41 | Al Baraka Group | Bahrain | 1.5 | 0.5 | 0.5 | 4.0 | 3.5 | 0.0 | 1.5 | 3.0 | 5.0 | 5.0 | 2.0 | 4.0 | 2.81 |
| 43 | 32 | Abu Dhabi Islamic Bank | UAE | 2.0 | 1.0 | 2.0 | 2.5 | 4.5 | 1.0 | 5.0 | 4.0 | 3.0 | 2.5 | 1.5 | 3.5 | 2.80 |
| 44 | 37 | Commercial Bank of Dubai | UAE | 2.0 | 3.0 | 3.5 | 1.5 | 3.5 | 1.0 | 4.0 | 5.0 | 3.5 | 3.0 | 1.5 | 3.5 | 2.79 |
| 45 | 51 | Gulf Bank | Kuwait | 1.5 | 2.5 | 1.5 | 0.0 | 4.0 | 0.0 | 1.5 | 3.5 | 2.5 | 5.0 | 4.5 | 3.5 | 2.79 |
| 46 | 63 | Ahli Bank | Qatar | 0.5 | 0.5 | 1.0 | 0.0 | 5.0 | 1.0 | 4.5 | 5.0 | 2.0 | 5.0 | 3.0 | 2.5 | 2.79 |
| 47 | 98 | HSBC Bank | Oman | 0.5 | 0.0 | 0.0 | 3.5 | 5.0 | 5.0 | 2.0 | 0.5 | 2.5 | 4.5 | 3.0 | 4.5 | 2.76 |
| 48 | 66 | National Bank of Bahrain | Bahrain | 0.5 | 2.0 | 1.0 | 3.5 | 5.0 | 0.0 | 4.0 | 3.0 | 2.5 | 4.0 | 2.5 | 3.5 | 2.75 |
| 49 | 85 | Bank al Etihad | Jordan | 0.5 | 2.5 | 4.0 | 4.0 | 3.5 | 1.0 | 2.0 | 3.0 | 2.0 | 5.0 | 3.0 | 3.5 | 2.74 |
| 50 | 132 | Bank Nizwa | Oman | 0.0 | 2.5 | 3.5 | 0.5 | 4.5 | 1.0 | 2.5 | 3.0 | 3.0 | 5.0 | 4.0 | 3.5 | 2.74 |
| 51 | 26 | HSBC Bank Middle East | UAE | 2.5 | 0.0 | 0.5 | 4.0 | 2.0 | 0.0 | 3.5 | 1.5 | 4.5 | 4.0 | 2.0 | 5.0 | 2.71 |
| 52 | 150 | Societe Generale | Jordan | 0.0 | 0.0 | 2.5 | 5.0 | 4.5 | 1.5 | 1.0 | 3.5 | 3.0 | 4.5 | 2.0 | 5.0 | 2.70 |
| 53 | 136 | Safwa Islamic Bank | Jordan | 0.0 | 4.5 | 4.0 | 3.0 | 2.3 | 2.5 | 1.5 | 4.0 | 2.5 | 5.0 | 3.5 | 3.5 | 2.68 |
| 54 | 70 | Housing Bank | Jordan | 0.5 | 0.0 | 0.0 | 3.0 | 4.0 | 0.5 | 4.0 | 4.0 | 2.0 | 5.0 | 2.0 | 3.5 | 2.64 |
| 55 | 137 | AJIB | Jordan | 0.0 | 1.0 | 0.5 | 3.5 | 4.0 | 0.0 | 2.0 | 3.0 | 2.0 | 5.0 | 4.0 | 3.5 | 2.63 |
| 56 | 58 | Ahli United Bank | Kuwait | 1.0 | 1.5 | 1.0 | 0.0 | 4.5 | 0.0 | 2.0 | 4.0 | 2.0 | 5.0 | 3.5 | 3.0 | 2.61 |
| 57 | 111 | Cairo Amman Bank | Jordan | 0.5 | 2.0 | 2.0 | 2.5 | 3.5 | 3.5 | 2.5 | 2.5 | 2.5 | 4.5 | 2.5 | 3.5 | 2.60 |
| 58 | 89 | Ahli Bank | Oman | 0.5 | 2.0 | 2.5 | 0.0 | 4.0 | 1.5 | 2.5 | 4.0 | 2.5 | 4.5 | 3.0 | 3.5 | 2.56 |
| 59 | 159 | INVESTBANK | Jordan | 0.0 | 1.5 | 1.0 | 1.0 | 3.5 | 1.0 | 4.5 | 3.0 | 3.5 | 5.0 | 2.5 | 3.0 | 2.54 |
| 60 | 126 | Bank of Jordan | Jordan | 0.0 | 0.5 | 0.0 | 3.0 | 4.5 | 0.0 | 4.0 | 3.0 | 2.5 | 5.0 | 1.5 | 4.0 | 2.53 |
| 61 | 69 | National Bank of Fujairah | UAE | 0.5 | 1.0 | 2.0 | 3.0 | 4.5 | 1.0 | 0.5 | 5.0 | 3.5 | 3.5 | 1.5 | 4.0 | 2.50 |
| 62 | 83 | Bank of Sharjah | UAE | 0.5 | 1.0 | 0.5 | 2.0 | 2.0 | 5.0 | 0.5 | 4.5 | 5.0 | 5.0 | 2.0 | 2.0 | 2.50 |
| 63 | 134 | National Bank of Umm Al-Qaiwain | UAE | 0.0 | 0.0 | 0.0 | 2.0 | 5.0 | 0.0 | 5.0 | 5.0 | 3.0 | 2.5 | 1.5 | 5.0 | 2.50 |
| 64 | 78 | Kuwait International Bank | Kuwait | 0.5 | 3.0 | 4.0 | 0.0 | 4.5 | 0.0 | 1.0 | 1.5 | 3.0 | 5.0 | 3.5 | 3.5 | 2.48 |
| 65 | 139 | Khaleeji Commercial Bank | Bahrain | 0.0 | 1.0 | 0.0 | 5.0 | 4.5 | 3.0 | 3.0 | 4.0 | 2.0 | 3.0 | 1.5 | 2.5 | 2.48 |
| 66 | 42 | Doha Bank | Qatar | 1.5 | 0.0 | 0.0 | 0.0 | 5.0 | 1.0 | 1.5 | 5.0 | 2.0 | 2.5 | 2.0 | 4.0 | 2.34 |
| 67 | 161 | Arab Banking Corporation | Jordan | 0.0 | 1.5 | 1.0 | 1.0 | 4.5 | 2.0 | 2.0 | 2.5 | 2.0 | 5.0 | 2.0 | 3.5 | 2.34 |
| 68 | 75 | Sohar International Bank | Oman | 0.5 | 1.0 | 1.5 | 0.0 | 4.5 | 3.0 | 2.0 | 3.5 | 2.5 | 3.5 | 2.0 | 3.5 | 2.33 |
| 69 | 119 | Jordan Kuwait Bank | Jordan | 0.0 | 2.0 | 1.0 | 2.0 | 4.5 | 0.0 | 0.5 | 2.5 | 2.5 | 5.0 | 2.0 | 3.5 | 2.25 |
| 70 | 62 | Standard Chartered | UAE | 0.5 | 1.0 | 0.0 | 4.5 | 4.0 | 0.0 | 1.0 | 0.0 | 5.0 | 4.0 | 0.5 | 5.0 | 2.21 |
| 71 | 84 | Oman Arab Bank | Oman | 0.5 | 1.0 | 0.5 | 1.0 | 4.0 | 2.0 | 0.5 | 2.0 | 4.5 | 4.0 | 2.5 | 1.5 | 2.21 |
| 72 | 46 | BLOM Bank | Lebanon | 1.5 | 0.0 | 0.0 | 5.0 | 3.0 | 0.0 | 0.5 | 4.5 | 0.0 | 4.5 | 0.0 | 5.0 | 2.20 |
| 73 | 121 | United Arab Bank | UAE | 0.0 | 0.0 | 0.0 | 3.0 | 3.0 | 4.5 | 1.0 | 3.0 | 4.0 | 3.5 | 0.5 | 4.5 | 2.15 |
| 74 | 76 | National Bank of Oman | Oman | 0.5 | 1.5 | 3.0 | 0.0 | 3.5 | 1.0 | 2.0 | 3.0 | 3.0 | 4.0 | 2.0 | 2.0 | 2.14 |
| 75 | 120 | Jordan Ahli Bank | Jordan | 0.0 | 0.0 | 1.0 | 4.0 | 3.5 | 0.5 | 1.0 | 2.0 | 2.0 | 4.5 | 2.0 | 3.0 | 2.13 |
| 76 | 72 | Bank Dhofar | Oman | 0.5 | 0.5 | 1.0 | 0.0 | 4.0 | 0.0 | 1.5 | 2.5 | 2.0 | 4.5 | 2.5 | 2.0 | 2.05 |
| 77 | 97 | Al Masraf | UAE | 0.5 | 0.0 | 0.5 | 1.5 | 4.5 | 0.5 | 1.5 | 5.0 | 2.5 | 3.0 | 0.0 | 4.0 | 2.05 |
| 78 | 54 | Byblos Bank | Lebanon | 1.0 | 0.0 | 0.0 | 5.0 | 3.0 | 0.0 | 0.0 | 4.0 | 0.0 | 4.5 | 0.0 | 5.0 | 2.04 |
| 79 | 45 | Bank Audi | Lebanon | 1.5 | 0.0 | 0.0 | 5.0 | 3.5 | 0.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.5 | 5.0 | 2.01 |
| 80 | 114 | Arab Bank | UAE | 0.0 | 0.0 | 0.0 | 4.5 | 3.0 | 0.0 | 0.0 | 3.5 | 4.0 | 4.5 | 0.0 | 3.5 | 2.01 |
| 81 | 99 | Ajman Bank | UAE | 0.5 | 0.0 | 1.5 | 1.0 | 3.5 | 1.0 | 1.5 | 4.0 | 3.0 | 2.5 | 1.5 | 3.5 | 2.00 |
| 82 | 118 | Bank of Baroda | UAE | 0.0 | 0.0 | 0.0 | 1.5 | 4.5 | 0.0 | 0.0 | 5.0 | 2.5 | 4.5 | 0.0 | 3.5 | 1.98 |
| 83 | 104 | Commercial Bank International | UAE | 0.5 | 2.5 | 3.5 | 1.5 | 3.5 | 0.0 | 2.0 | 3.0 | 3.5 | 2.5 | 0.0 | 2.5 | 1.86 |
| 84 | 156 | Jordan Commercial Bank | Jordan | 0.0 | 2.0 | 1.0 | 3.0 | 2.5 | 0.5 | 1.5 | 2.0 | 2.0 | 4.0 | 1.5 | 2.0 | 1.84 |
| 85 | 65 | Bank of Beirut | Lebanon | 0.5 | 0.0 | 0.0 | 5.0 | 3.5 | 0.0 | 0.5 | 0.5 | 0.0 | 3.0 | 0.5 | 5.0 | 1.66 |
| 86 | 148 | Invest Bank | UAE | 0.0 | 0.0 | 3.5 | 3.5 | 1.5 | 0.0 | 0.0 | 0.0 | 3.0 | 2.5 | 0.0 | 2.5 | 1.20 |
Notes:
(1) 5 = Highest, 0 = Lowest.
(2) LDR = loan to deposit ratio. CAR = capital adequacy ratio. Profit = operating profit. ROA = return on assets. Costs = cost to income ratio. Fees = non-interest income to total operating income. Reserves = loan loss reserves to gross non-performing loans. NPLs = gross non-performing loan ratio. Liquidity = Liquid assets to total deposits and borrowings.
Source: TABInsights
Strongest banks in the Middle East in 2021
The Asian Banker has been publishing the world’s first authoritative annual ranking of the Strongest Banks in Asia Pacific since 2007 based on balance sheet strength. It uses a detailed and transparent scorecard to evaluate the ranking which entails six areas of balance sheet financial performance: the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. The ranking has since been expanded to include banks in the Middle East, Africa, and Central Asia as well as Islamic banks globally.
In this year’s The Asian Banker Strongest Banks By Balance Sheet evaluation, Saudi National Bank has emerged as the strongest bank in the Middle East. This is based on a detailed and transparent scorecard that evaluates commercial banks and financial holding companies (banks) on six areas of balance sheet financial performance, namely the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. Saudi Arabian banks continued to demonstrate stronger balance sheets than banks in other Middle Eastern countries. Out of the top ten strongest banks in the Middle East, four are from Saudi Arabia. Saudi Arabian banks achieved the highest average score in profitability and their average gross non-performing loan (NPL) ratio was the second lowest in the region.
The operating environment for banks improved, thus the banking sector delivered better performance. All the Middle Eastern countries posted higher average return on assets. Meanwhile, the average gross NPL ratio of banks eased from 4.3% in the financial year (FY) 2020 to 4% in FY2021. However, their average capital adequacy ratio (CAR) was down slightly from 18.4% to 18.2%. The average CAR of Saudi Arabian banks dropped from 20.4% to 19.8%, which remained the highest in the region. The UAE banks also experienced a contraction in CAR from 17.5% to 16.6%, the second lowest in the region.
| Assets | Loans | Deposits | LDR | CAR | Profit | ROA | Costs | Fees | Reserves | NPLs | Liquidity | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Strength Rank 2021 | MEA200 Largest Banks 2021 | Bank | Country | Score (17.5%) | Score (2.5%) | Score (2.5%) | Score (7.5%) | Score (12.5%) | Score (5.0%) | Score (7.5%) | Score (7.5%) | Score (7.5%) | Score (12.5%) | Score (12.5%) | Score (5.0%) | Aggregate Strength Score 2021 |
| 1 | 7 | Al Rajhi Bank | Saudi Arabia | 5.0 | 5.0 | 5.0 | 2.5 | 5.0 | 1.0 | 5.0 | 5.0 | 2.0 | 5.0 | 4.5 | 4.0 | 4.28 |
| 2 | 5 | Saudi National Bank * | Saudi Arabia | 5.0 | 5.0 | 4.5 | 2.5 | 5.0 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 4.5 | 4.18 |
| 3 | 13 | Riyad Bank | Saudi Arabia | 4.5 | 4.0 | 3.0 | 1.5 | 5.0 | 1.0 | 5.0 | 5.0 | 3.0 | 5.0 | 3.5 | 4.5 | 4.01 |
| 4 | 23 | Qatar Islamic Bank | Qatar | 4.0 | 3.0 | 3.5 | 0.5 | 5.0 | 2.0 | 5.0 | 5.0 | 4.0 | 5.0 | 4.0 | 2.5 | 3.93 |
| 5 | 1 | Qatar National Bank | Qatar | 5.0 | 3.5 | 3.5 | 1.0 | 5.0 | 0.5 | 4.0 | 5.0 | 2.0 | 5.0 | 3.5 | 3.5 | 3.84 |
| 6 | 17 | Kuwait Finance House | Kuwait | 4.5 | 4.5 | 4.5 | 3.5 | 4.5 | 0.0 | 2.0 | 4.5 | 2.5 | 5.0 | 3.5 | 5.0 | 3.83 |
| 7 | 33 | Masraf Al Rayan | Qatar | 3.5 | 4.5 | 3.0 | 0.0. | 5.0 | 1.5 | 5.0 | 5.0 | 4.5 | 4.5 | 4.0 | 2.5 | 3.78 |
| 8 | 2 | First Abu Dhabi Bank | UAE | 5.0 | 1.5 | 3.0 | 3.5 | 4.5 | 0.0 | 3.5 | 5.0 | 3.5 | 3.5 | 2.5 | 5.0 | 3.71 |
| 9 | 27 | Alinma Bank | Saudi Arabia | 4.0 | 4.5 | 4.5 | 1.5 | 5.0 | 0.5 | 4.0 | 4.5 | 2.0 | 5.0 | 3.5 | 2.5 | 3.66 |
| 10 | 28 | Ahli United Bank | Bahrain | 4.0 | 2.0 | 2.0 | 2.5 | 4.5 | 0.0 | 4.0 | 5.0 | 3.0 | 5.0 | 3.0 | 4.0 | 3.65 |
| 11 | 3 | Emirates NBD Bank | UAE | 5.0 | 2.5 | 2.0 | 1.0 | 5.0 | 0.5 | 3.0 | 5.0 | 2.5 | 5.0 | 2.0 | 4.5 | 3.60 |
| 12 | 11 | National Bank | Kuwait | 4.5 | 3.5 | 3.5 | 0.5 | 5.0 | 0.0 | 2.0 | 4.5 | 2.5 | 5.0 | 3.5 | 4.5 | 3.59 |
| 12 | 55 | QIIB | Qatar | 2.0 | 4.0 | 4.5 | 0.0 | 4.5 | 2.5 | 4.5 | 5.0 | 4.0 | 5.0 | 4.0 | 4.0 | 3.59 |
| 14 | 19 | Arab Bank | Jordan | 4.5 | 2.0 | 4.0 | 4.0 | 4.5 | 0.0 | 1.0 | 3.5 | 4.0 | 5.0 | 2.0 | 5.0 | 3.56 |
| 15 | 44 | Bank AlBilad | Saudi Arabia | 3.0 | 5.0 | 3.5 | 1.0 | 4.5 | 1.5 | 4.5 | 3.5 | 2.5 | 5.0 | 4.0 | 3.5 | 3.54 |
| 16 | 20 | Banque Saudi Fransi | Saudi Arabia | 4.5 | 3.0 | 1.5 | 0.5 | 5.0 | 0.5 | 2.0 | 5.0 | 2.5 | 5.0 | 3.0 | 3.5 | 3.48 |
| 17 | 39 | Al Baraka Banking Group | Bahrain | 3.0 | 3.0 | 3.5 | 4.5 | 4.0 | 4.5 | 1.5 | 3.5 | 5.0 | 4.0 | 2.0 | 4.0 | 3.45 |
| 18 | 14 | Dubai Islamic Bank | UAE | 4.5 | 5.0 | 5.0 | 1.0 | 5.0 | 0.0 | 3.5 | 5.0 | 3.0 | 3.5 | 2.0 | 3.0 | 3.44 |
| 18 | 16 | SABB | Saudi Arabia | 4.5 | 2.5 | 2.0 | 2.5 | 5.0 | 0.0 | 0.0 | 4.5 | 2.5 | 5.0 | 3.0 | 4.0 | 3.44 |
| 20 | 22 | Arab National Bank | Saudi Arabia | 4.0 | 1.5 | 1.0 | 2.0 | 5.0 | 0.0 | 3.5 | 5.0 | 2.0 | 4.5 | 3.0 | 2.5 | 3.39 |
| 21 | 57 | Al Khalij Commercial Bank | Qatar | 2.0 | 4.0 | 3.0 | 0.0 | 5.0 | 3.0 | 4.0 | 5.0 | 1.5 | 5.0 | 3.5 | 4.5 | 3.38 |
| 22 | 34 | Bank Muscat | Oman | 3.5 | 2.5 | 3.0 | 0.0 | 5.0 | 0.5 | 4.0 | 4.5 | 3.0 | 5.0 | 2.5 | 2.5 | 3.33 |
| 23 | 42 | Commercial Bank of Dubai | UAE | 3.0 | 4.0 | 4.0 | 1.5 | 4.5 | 0.5 | 4.0 | 5.0 | 4.0 | 3.5 | 2.0 | 4.5 | 3.31 |
| 24 | 70 | Warba Bank | Kuwait | 1.5 | 4.5 | 5.0 | 0.0 | 4.5 | 4.5 | 0.5 | 5.0 | 4.5 | 5.0 | 3.5 | 4.0 | 3.30 |
| 25 | 41 | Saudi Investment Bank | Saudi Arabia | 3.0 | 1.5 | 1.0 | 1.5 | 5.0 | 0.0 | 2.5 | 4.0 | 2.0 | 5.0 | 3.5 | 5.0 | 3.28 |
| 26 | 46 | Dukhan Bank | Qatar | 2.5 | 4.5 | 4.5 | 0.0 | 4.5 | 5.0 | 1.5 | 5.0 | 4.0 | 4.0 | 3.0 | 2.5 | 3.26 |
| 27 | 123 | Capital Bank of Jordan | Jordan | 0.5 | 5.0 | 5.0 | 2.5 | 4.5 | 4.5 | 3.5 | 4.0 | 4.0 | 4.5 | 2.5 | 4.0 | 3.25 |
| 28 | 45 | Bank AlJazira | Saudi Arabia | 2.5 | 4.0 | 4.0 | 3.0 | 5.0 | 2.5 | 0.5 | 3.0 | 3.0 | 5.0 | 3.5 | 1.5 | 3.24 |
| 29 | 25 | Mashreqbank | UAE | 4.0 | 1.5 | 1.5 | 2.5 | 4.5 | 0.0 | 0.0 | 2.5 | 5.0 | 5.0 | 2.0 | 5.0 | 3.21 |
| 30 | 59 | Commercial Bank of Kuwait | Kuwait | 1.5 | 2.5 | 1.5 | 1.0 | 5.0 | 0.0 | 0.5 | 4.0 | 4.0 | 5.0 | 5.0 | 5.0 | 3.20 |
| 31 | 8 | Abu Dhabi Commercial Bank | UAE | 4.5 | 1.5 | 1.5 | 1.0 | 4.5 | 1.0 | 2.5 | 4.5 | 2.5 | 3.5 | 2.0 | 4.5 | 3.18 |
| 31 | 64 | Ahli Bank | Qatar | 1.5 | 3.5 | 3.0 | 0.0 | 4.5 | 1.5 | 4.5 | 5.0 | 2.5 | 5.0 | 3.5 | 3.0 | 3.18 |
| 33 | 58 | Sharjah Islamic Bank | UAE | 1.5 | 4.5 | 5.0 | 2.0 | 5.0 | 0.5 | 2.0 | 3.5 | 5.0 | 4.0 | 2.5 | 4.5 | 3.13 |
| 34 | 26 | Commercial Bank | Qatar | 4.0 | 4.0 | 2.0 | 0.0 | 4.5 | 0.0 | 2.0 | 5.0 | 2.5 | 4.0 | 2.5 | 3.5 | 3.11 |
| 35 | 52 | Gulf Bank | Kuwait | 2.5 | 2.0 | 2.5 | 0.5 | 5.0 | 0.0 | 1.0 | 4.0 | 2.5 | 5.0 | 4.0 | 4.0 | 3.10 |
| 35 | 92 | Jordan Islamic Bank | Jordan | 1.0 | 4.5 | 3.5 | 2.5 | 5.0 | 0.5 | 3.5 | 3.5 | 2.5 | 5.0 | 3.0 | 3.5 | 3.10 |
| 37 | 111 | Kuwait Finance House | Bahrain | 0.5 | 4.0 | 3.5 | 4.0 | 5.0 | 0.0 | 2.0 | 2.5 | 4.5 | 5.0 | 3.5 | 2.5 | 3.06 |
| 38 | 69 | National Bank of Bahrain | Bahrain | 1.5 | 5.0 | 5.0 | 4.0 | 5.0 | 0.0 | 4.0 | 3.5 | 2.5 | 3.5 | 2.0 | 3.5 | 3.05 |
| 39 | 32 | Abu Dhabi Islamic Bank | UAE | 3.5 | 3.0 | 2.0 | 2.5 | 5.0 | 0.0 | 4.0 | 3.5 | 3.0 | 2.5 | 1.5 | 4.0 | 3.04 |
| 40 | 24 | HSBC Bank Middle East | UAE | 4.0 | 2.0 | 4.0 | 3.5 | 2.5 | 0.0 | 0.0 | 2.0 | 5.0 | 4.5 | 2.0 | 5.0 | 3.01 |
| 40 | 60 | RAKBANK | UAE | 1.5 | 1.0 | 2.5 | 2.5 | 5.0 | 0.0 | 2.5 | 4.5 | 3.0 | 5.0 | 2.0 | 4.5 | 3.01 |
| 42 | 47 | Burgan Bank | Kuwait | 2.5 | 2.5 | 2.5 | 0.0 | 5.0 | 0.0 | 1.0 | 3.5 | 3.5 | 5.0 | 2.5 | 4.5 | 2.95 |
| 42 | 56 | Al Ahli Bank of Kuwait | Kuwait | 2.0 | 1.5 | 3.0 | 2.0 | 4.5 | 0.0 | 0.0 | 3.5 | 3.0 | 5.0 | 3.5 | 4.5 | 2.95 |
| 42 | 75 | BBK | Bahrain | 1.0 | 1.5 | 2.5 | 3.5 | 5.0 | 0.0 | 4.0 | 3.0 | 3.5 | 4.0 | 2.0 | 5.0 | 2.95 |
| 42 | 135 | Bank Nizwa | Oman | 0.5 | 3.5 | 4.5 | 3.5 | 3.5 | 3.0 | 3.0 | 3.0 | 4.5 | 3.5 | 3.5 | 3.0 | 2.95 |
| 46 | 31 | Bank Audi | Lebanon | 4.0 | 0.5 | 0.5 | 5.0 | 3.5 | 2.0 | 0.0 | 4.0 | 2.5 | 4.5 | 0.0 | 5.0 | 2.94 |
| 46 | 37 | Gulf International Bank | Bahrain | 3.0 | 3.0 | 1.0 | 5.0 | 4.5 | 0.0 | 0.0 | 0.0 | 2.5 | 4.5 | 3.0 | 5.0 | 2.94 |
| 48 | 86 | Bank al Etihad | Jordan | 1.0 | 4.5 | 4.5 | 3.5 | 4.0 | 1.5 | 1.5 | 3.0 | 2.0 | 5.0 | 3.0 | 4.0 | 2.93 |
| 49 | 124 | Bank of Jordan | Jordan | 0.5 | 3.0 | 2.0 | 3.0 | 5.0 | 0.5 | 4.0 | 3.5 | 3.0 | 5.0 | 1.5 | 4.5 | 2.91 |
| 50 | 137 | AJIB | Jordan | 0.5 | 2.5 | 3.5 | 3.5 | 4.0 | 2.0 | 1.5 | 3.0 | 2.0 | 5.0 | 3.5 | 4.5 | 2.88 |
| 51 | 68 | Housing Bank | Jordan | 1.5 | 2.0 | 1.5 | 3.0 | 4.5 | 1.0 | 1.5 | 4.0 | 2.0 | 5.0 | 2.0 | 4.5 | 2.85 |
| 52 | 38 | Doha Bank | Qatar | 3.0 | 2.0 | 1.5 | 0.0 | 5.0 | 1.5 | 1.5 | 5.0 | 2.5 | 3.0 | 2.0 | 4.5 | 2.84 |
| 53 | 61 | Ahli United Bank | Kuwait | 1.5 | 3.0 | 4.0 | 0.5 | 4.0 | 0.0 | 1.5 | 4.5 | 2.0 | 5.0 | 3.5 | 3.5 | 2.81 |
| 54 | 146 | Safwa Islamic Bank | Jordan | 0.0 | 5.0 | 4.5 | 5.0 | 2.5 | 2.0 | 1.5 | 3.0 | 2.0 | 5.0 | 3.5 | 4.0 | 2.78 |
| 55 | 35 | Arab Banking Corporation | Bahrain | 3.5 | 1.5 | 3.0 | 1.5 | 4.5 | 0.0 | 0.0 | 0.5 | 2.5 | 5.0 | 2.0 | 5.0 | 2.75 |
| 56 | 80 | Kuwait International Bank | Kuwait | 1.0 | 3.5 | 4.0 | 0.0 | 5.0 | 0.0 | 0.5 | 2.5 | 2.5 | 5.0 | 3.5 | 4.5 | 2.69 |
| 57 | 53 | Byblos Bank | Lebanon | 2.0 | 0.5 | 0.5 | 5.0 | 3.0 | 5.0 | 0.0 | 5.0 | 1.5 | 4.0 | 0.5 | 5.0 | 2.68 |
| 58 | 36 | BLOM Bank | Lebanon | 3.0 | 0.5 | 0.5 | 5.0 | 3.0 | 5.0 | 0.5 | 5.0 | 0.0 | 3.5 | 0.0 | 5.0 | 2.65 |
| 59 | 71 | Bank Dhofar | Oman | 1.5 | 3.5 | 2.0 | 0.0 | 4.5 | 1.5 | 2.0 | 3.5 | 2.0 | 4.5 | 2.5 | 2.5 | 2.60 |
| 60 | 72 | National Bank of Fujairah | UAE | 1.5 | 1.0 | 1.5 | 2.5 | 5.0 | 0.0 | 0.0 | 4.5 | 3.5 | 4.0 | 1.0 | 4.5 | 2.59 |
| 61 | 98 | Al Salam Bank | Bahrain | 1.0 | 5.0 | 5.0 | 2.5 | 5.0 | 2.0 | 1.0 | 3.0 | 1.0 | 3.0 | 2.5 | 3.5 | 2.58 |
| 62 | 91 | Ahli Bank | Oman | 1.0 | 3.5 | 4.5 | 0.0 | 4.0 | 0.0 | 2.5 | 4.0 | 2.0 | 4.0 | 3.0 | 3.0 | 2.54 |
| 62 | 125 | NBQ | UAE | 0.5 | 1.0 | 1.0 | 1.5 | 5.0 | 0.0 | 4.5 | 5.0 | 3.5 | 2.0 | 1.5 | 5.0 | 2.54 |
| 64 | 142 | Khaleeji Commercial Bank | Bahrain | 0.0 | 1.5 | 2.0 | 5.0 | 5.0 | 5.0 | 2.0 | 3.5 | 2.5 | 2.5 | 1.0 | 3.0 | 2.53 |
| 65 | 159 | InvestBank | Jordan | 0.0 | 4.0 | 2.5 | 1.0 | 4.0 | 1.0 | 1.5 | 3.0 | 3.5 | 5.0 | 2.5 | 3.5 | 2.50 |
| 66 | 97 | HSBC Bank | Oman | 1.0 | 1.0 | 1.0 | 3.5 | 5.0 | 0.0 | 0.0 | 0.0 | 2.5 | 5.0 | 2.5 | 5.0 | 2.49 |
| 67 | 173 | Alubaf Bank | Bahrain | 0.0 | 1.0 | 1.5 | 0.0 | 5.0 | 0.0 | 5.0 | 4.0 | 3.0 | 5.0 | 0.0 | 5.0 | 2.46 |
| 68 | 149 | Societe Generale | Jordan | 0.0 | 1.0 | 0.5 | 4.5 | 5.0 | 0.0 | 1.0 | 3.5 | 1.5 | 4.0 | 2.0 | 5.0 | 2.45 |
| 69 | 163 | Arab Banking Corporation | Jordan | 0.0 | 3.0 | 2.5 | 1.5 | 5.0 | 1.5 | 0.5 | 2.5 | 2.0 | 5.0 | 2.0 | 4.5 | 2.43 |
| 70 | 99 | Bank of Baroda | UAE | 1.0 | 1.0 | 1.0 | 3.0 | 5.0 | 0.0 | 0.0 | 5.0 | 2.5 | 4.0 | 0.0 | 5.0 | 2.39 |
| 71 | 84 | Ithmaar Bank | Bahrain | 1.0 | 2.0 | 5.0 | 2.0 | 3.5 | 0.0 | 0.0 | 0.0 | 4.5 | 5.0 | 2.0 | 4.5 | 2.38 |
| 72 | 82 | Gulf International Bank | Saudi Arabia | 1.0 | 3.5 | 2.5 | 2.5 | 5.0 | 0.0 | 0.0 | 0.0 | 3.0 | 3.5 | 2.5 | 5.0 | 2.36 |
| 72 | 83 | Oman Arab Bank | Oman | 1.0 | 5.0 | 5.0 | 1.0 | 4.0 | 0.0 | 1.0 | 2.0 | 3.5 | 3.5 | 2.5 | 2.5 | 2.36 |
| 74 | 108 | Cairo Amman Bank | Jordan | 0.5 | 4.5 | 4.0 | 2.5 | 4.0 | 0.0 | 1.5 | 2.0 | 2.0 | 4.0 | 2.0 | 3.5 | 2.33 |
| 75 | 78 | Sohar International Bank | Oman | 1.0 | 2.5 | 3.5 | 0.0 | 5.0 | 0.0 | 1.5 | 3.5 | 2.0 | 3.0 | 2.0 | 4.0 | 2.30 |
| 76 | 116 | Jordan Ahli Bank | Jordan | 0.5 | 2.5 | 2.5 | 3.5 | 4.0 | 0.5 | 1.0 | 1.5 | 2.5 | 4.0 | 2.0 | 3.0 | 2.28 |
| 77 | 77 | National Bank of Oman | Oman | 1.0 | 3.0 | 2.0 | 0.0 | 4.5 | 0.0 | 1.0 | 3.0 | 2.5 | 4.5 | 2.0 | 2.0 | 2.26 |
| 78 | 93 | Al Masraf | UAE | 1.0 | 2.5 | 3.0 | 1.0 | 5.0 | 0.0 | 0.0 | 4.5 | 2.5 | 3.0 | 0.0 | 4.5 | 2.14 |
| 79 | 100 | Ajman Bank | UAE | 1.0 | 2.0 | 1.5 | 0.0 | 4.5 | 0.0 | 0.5 | 4.0 | 3.0 | 3.0 | 1.5 | 3.0 | 2.10 |
| 80 | 118 | Jordan Kuwait Bank | Jordan | 0.5 | 2.0 | 2.5 | 2.5 | 5.0 | 0.0 | 0.0 | 2.5 | 2.5 | 3.0 | 1.0 | 4.0 | 2.09 |
| 81 | 157 | Jordan Commercial Bank | Jordan | 0.0 | 3.5 | 4.0 | 3.0 | 3.0 | 1.5 | 0.5 | 2.0 | 2.5 | 4.0 | 1.5 | 3.0 | 2.08 |
| 82 | 110 | Commercial Bank International | UAE | 0.5 | 1.0 | 1.0 | 1.0 | 4.5 | 2.0 | 0.5 | 4.5 | 4.5 | 2.0 | 0.0 | 2.5 | 1.96 |
| 83 | 115 | United Arab Bank | UAE | 0.5 | 0.5 | 1.0 | 2.5 | 3.5 | 0.0 | 0.0 | 1.5 | 3.0 | 4.5 | 0.0 | 5.0 | 1.90 |
| 84 | 186 | Qatar First Bank | Qatar | 0.0 | 0.5 | 0.5 | 5.0 | 4.0 | 0.0 | 0.0 | 0.0 | 3.0 | 5.0 | 0.0 | 5.0 | 1.78 |
| 85 | 76 | Bank of Sharjah | UAE | 1.0 | 4.0 | 4.0 | 2.5 | 2.5 | 0.0 | 0.0 | 0.0 | 1.5 | 3.5 | 0.5 | 3.0 | 1.64 |
| 86 | 63 | Bank of Beirut | Lebanon | 1.5 | 0.5 | 1.0 | 5.0 | 0.0 | 0.0 | 0.0 | 2.0 | 0.0 | 0.0 | 0.0 | 5.0 | 1.08 |
| 86 | 147 | Invest Bank | UAE | 0.0 | 1.0 | 0.5 | 0.5 | 2.5 | 0.0 | 0.0 | 0.0 | 4.0 | 2.5 | 0.0 | 1.5 | 1.08 |
| 88 | 165 | Emirates Lebanon Bank | Lebanon | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.00 |
Notes:
(1) 5 = Highest, 0 = Lowest.
(2) LDR = loan to deposit ratio. CAR = capital adequacy ratio. Profit = operating profit. ROA = return on assets. Costs = cost to income ratio. Fees = non-interest income to total operating income. Reserves = loan loss reserves to gross non-performing loans. NPLs = gross non-performing loan ratio. Liquidity = Liquid assets to total deposits and borrowings.
(3) * for National Commercial Bank
Source: TABInsights
Strongest banks in the Middle East in 2020
The Asian Banker has been publishing the world’s first authoritative annual ranking of the Strongest Banks in Asia Pacific since 2007 based on balance sheet strength. It uses a detailed and transparent scorecard to evaluate the ranking which entails six areas of balance sheet financial performance: the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. The ranking has since been expanded to include banks in the Middle East, Africa, and Central Asia as well as Islamic banks globally.
In this year’s The Asian Banker Strongest Banks By Balance Sheet evaluation, National Commercial Bank emerged as the strongest bank in the Middle East. This is based on a detailed and transparent scorecard that evaluates commercial banks and financial holding companies (banks) on six areas of balance sheet financial performance, namely the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. This year, financial information in the first half of the financial year 2020 (1H FY2020) was collated and incorporated into the assessment of how banks performed during the COVID-19 pandemic.
The average strength score recorded by banks in the Middle East fell from 3.62 in the previous year’s evaluation to 3.48 in 2020, a reflection of weaker overall financial performance. Apart from the impact of the pandemic, low oil prices also posed serious challenges to the banking system. Banks in the region registered an average return on assets of 0.92% in 1H FY2020, much lower than 1.69% in 1H FY2019. Asset quality deteriorated and the average capital adequacy ratio also declined during the year.
| Assets | Loans | Deposits | LDR | CAR | Profit | ROA | Costs | Fees | Reserves | NPLs | Liquidity | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Strength Rank 2020 | MEA200 Largest Banks 2020 | Bank | Country | Score (17.5%) | Score (2.5%) | Score (2.5%) | Score (7.5%) | Score (12.5%) | Score (5.0%) | Score (7.5%) | Score (7.5%) | Score (7.5%) | Score (12.5%) | Score (12.5%) | Score (5.0%) | Aggregate Strength Score 2020 |
| 1 | 5 | National Commercial Bank | Saudi Arabia | 5.0 | 4.5 | 4.5 | 2.5 | 5.0 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 4.5 | 4.16 |
| 2 | 14 | Samba Financial Group # | Saudi Arabia | 3.5 | 5.0 | 3.5 | 3.0 | 5.0 | 1.0 | 5.0 | 5.0 | 4.0 | 5.0 | 4.0 | 5.0 | 4.15 |
| 3 | 7 | Al Rajhi Bank | Saudi Arabia | 4.5 | 4.5 | 3.5 | 2.5 | 5.0 | 0.5 | 5.0 | 5.0 | 2.0 | 5.0 | 4.0 | 4.5 | 4.08 |
| 4 | 13 | Riyad Bank | Saudi Arabia | 4.5 | 4.5 | 4.0 | 1.5 | 4.5 | 0.5 | 5.0 | 5.0 | 3.0 | 5.0 | 4.0 | 4.5 | 4.03 |
| 5 | 3 | Emirates NBD Bank | UAE | 5.0 | 5.0 | 5.0 | 1.0 | 5.0 | 3.0 | 3.5 | 5.0 | 3.0 | 5.0 | 2.0 | 4.5 | 3.94 |
| 6 | 17 | Kuwait Finance House | Kuwait | 4.5 | 3.5 | 4.0 | 4.0 | 4.5 | 1.0 | 1.5 | 4.5 | 3.0 | 5.0 | 3.5 | 5.0 | 3.88 |
| 7 | 1 | Qatar National Bank | Qatar | 5.0 | 4.0 | 3.5 | 1.0 | 5.0 | 0.5 | 4.0 | 5.0 | 2.0 | 5.0 | 3.5 | 3.5* | 3.85 |
| 8 | 2 | First Abu Dhabi Bank | UAE | 5.0 | 3.0 | 3.5 | 3.5 | 4.5 | 0.0 | 3.5 | 5.0 | 3.5 | 4.0 | 2.5 | 5.0 | 3.83 |
| 8 | 25 | Qatar Islamic Bank | Qatar | 4.0 | 3.0 | 2.0 | 0.0 | 5.0 | 2.0 | 5.0 | 5.0 | 4.0 | 5.0 | 4.0 | 2.0* | 3.83 |
| 10 | 36 | Masraf Al Rayan | Qatar | 3.5 | 3.0 | 3.0 | 0.0 | 5.0 | 1.0 | 5.0 | 5.0 | 5.0 | 4.5 | 4.5 | 2.0 | 3.79 |
| 11 | 27 | Ahli United Bank | Bahrain | 4.0 | 3.0 | 2.5 | 2.0 | 4.0 | 0.0 | 4.5 | 5.0 | 3.0 | 5.0 | 3.5 | 4.0 | 3.69 |
| 12 | 20 | Banque Saudi Fransi | Saudi Arabia | 4.5 | 3.5 | 1.5 | 1.0 | 4.5 | 0.5 | 3.5 | 5.0 | 3.0 | 5.0 | 3.0 | 3.5 | 3.61 |
| 13 | 23 | Mashreqbank | UAE | 4.0 | 3.5 | 5.0 | 3.0 | 4.5 | 0.0 | 2.0 | 4.0 | 5.0 | 4.5 | 2.0 | 5.0 | 3.59 |
| 13 | 55 | QIIB | Qatar | 2.0 | 4.0 | 3.0 | 0.5 | 4.5 | 2.5 | 5.0 | 5.0 | 4.0 | 5.0 | 3.5 | 4.5 | 3.59 |
| 15 | 21 | Arab Bank | Jordan | 4.5 | 2.0 | 3.0 | 3.5 | 4.5 | 0.0 | 1.5 | 4.0 | 4.0 | 5.0 | 2.0 | 4.5 | 3.55 |
| 16 | 10 | National Bank of Kuwait | Kuwait | 4.5 | 3.5 | 4.0 | 0.5 | 4.5 | 0.0 | 2.0 | 4.5 | 2.5 | 5.0* | 3.5 | 4.5 | 3.54 |
| 17 | 29 | Alinma Bank | Saudi Arabia | 4.0 | 4.5 | 4.5 | 1.0 | 5.0 | 0.0 | 4.0 | 4.5 | 1.5 | 5.0 | 3.0 | 2.5 | 3.50 |
| 18 | 12 | Dubai Islamic Bank | UAE | 4.5 | 5.0 | 5.0 | 1.0 | 4.5 | 0.0 | 4.5 | 5.0 | 3.0 | 3.5 | 2.5 | 2.5 | 3.49 |
| 18 | 22 | Arab National Bank | Saudi Arabia | 4.0 | 1.5 | 2.5 | 2.0 | 5.0 | 0.0 | 4.0 | 4.5 | 2.0 | 5.0 | 3.0 | 2.5 | 3.49 |
| 20 | 15 | SABB | Saudi Arabia | 4.5 | 2.0 | 1.5 | 2.5 | 5.0 | 0.5 | 0.0 | 4.5 | 2.5 | 5.0 | 3.0 | 3.5 | 3.41 |
| 21 | 45 | Bank AlBilad | Saudi Arabia | 2.5 | 4.5 | 3.5 | 0.5 | 4.5 | 1.0 | 4.0 | 3.5 | 2.5 | 5.0 | 4.0 | 3.5 | 3.34 |
| 22 | 44 | Bank AlJazira | Saudi Arabia | 2.5 | 4.5 | 4.0 | 2.5 | 5.0 | 2.0 | 2.0 | 2.5 | 3.0 | 5.0 | 4.0 | 1.5 | 3.33 |
| 23 | 34 | Bank Muscat | Oman | 3.5 | 2.0 | 3.0 | 0.5 | 5.0 | 0.0 | 3.5 | 4.0 | 3.0 | 5.0 | 2.5 | 3.0 | 3.28 |
| 23 | 72 | BBK | Bahrain | 1.5 | 1.5 | 1.0 | 4.0 | 5.0 | 0.0 | 4.5 | 3.5 | 4.0 | 5.0 | 2.0 | 5.0 | 3.28 |
| 25 | 57 | Al Khalij Commercial Bank | Qatar | 1.5 | 4.0 | 4.0 | 0.0 | 5.0 | 1.5 | 4.0 | 5.0 | 1.5 | 5.0 | 3.5 | 4.5 | 3.24 |
| 26 | 41 | Al Baraka Banking Group | Bahrain | 3.0 | 1.5 | 3.5 | 4.5 | 4.5* | 5.0 | 1.5 | 3.0 | 5.0 | 3.5* | 2.0* | 0.0 | 3.40 |
| 27 | 91 | Jordan Islamic Bank | Jordan | 1.0 | 4.0 | 3.0 | 2.5 | 5.0 | 1.5 | 4.0 | 3.5 | 2.5 | 5.0 | 3.0 | 4.0 | 3.19 |
| 28 | 61 | Commercial Bank of Kuwait | Kuwait | 1.5 | 1.0 | 1.5 | 1.0 | 4.5 | 0.0 | 0.5 | 5.0 | 4.0 | 5.0 | 5.0 | 5.0 | 3.18 |
| 29 | 40 | Saudi Investment Bank | Saudi Arabia | 3.0 | 2.5 | 1.5 | 1.5 | 5.0 | 0.0 | 2.0 | 4.0 | 2.0 | 5.0 | 2.5 | 5.0 | 3.15 |
| 29 | 47 | Dukhan Bank | Qatar | 2.5 | 0.0 | 0.0 | 0.0 | 4.5 | 5.0 | 4.0 | 5.0 | 4.5 | 4.0 | 2.5 | 1.5 | 3.15 |
| 29 | 130 | Bank Nizwa | Oman | 0.0 | 3.5 | 4.5 | 3.0 | 3.5 | 3.0 | 3.5 | 3.5 | 4.0* | 5.0 | 4.5 | 2.5 | 3.15 |
| 32 | 8 | Abu Dhabi Commercial Bank | UAE | 4.5 | 1.0 | 1.0 | 1.0 | 4.5 | 3.5 | 2.0 | 5.0 | 2.0 | 2.5 | 2.0 | 5.0 | 3.14 |
| 32 | 37 | Doha Bank | Qatar | 3.0 | 2.5 | 2.5 | 0.0 | 4.5 | 2.0 | 2.5 | 5.0 | 3.0 | 4.5 | 2.0 | 4.5 | 3.14 |
| 34 | 26 | HSBC Bank Middle East | UAE | 4.0 | 2.5 | 4.5 | 3.5 | 2.5* | 0.0 | 0.0 | 2.5 | 5.0 | 4.5 | 2.0 | 5.0 | 3.08 |
| 35 | 49 | Byblos Bank | Lebanon | 2.5 | 0.5 | 1.0 | 5.0 | 2.0* | 5.0 | 0.5 | 5.0 | 4.0 | 4.0* | 2.0* | 5.0 | 3.06 |
| 36 | 28 | Commercial Bank | Qatar | 4.0 | 2.0 | 2.5 | 0.0 | 4.5 | 0.0 | 4.0 | 5.0 | 1.0 | 3.5 | 2.5 | 3.0 | 3.03 |
| 36 | 66 | Ahli Bank | Qatar | 1.5 | 4.0 | 1.5 | 0.0 | 4.5 | 1.0 | 4.0 | 5.0 | 2.0 | 5.0 | 3.5 | 2.5 | 3.03 |
| 38 | 42 | Commercial Bank of Dubai | UAE | 3.0 | 4.5 | 4.5 | 1.0 | 4.0 | 0.0 | 3.5 | 5.0 | 3.5 | 3.0 | 1.5 | 4.5 | 3.01 |
| 38 | 46 | Burgan Bank | Kuwait | 2.5 | 3.0 | 2.5 | 0.5 | 4.5 | 0.0 | 1.5 | 4.0 | 3.5 | 5.0 | 2.5 | 4.5 | 3.01 |
| 38 | 58 | RAKBANK | UAE | 1.5 | 1.5 | 1.0 | 1.5 | 5.0 | 0.0 | 3.0 | 4.5 | 3.0 | 5.0 | 2.5 | 4.5 | 3.01 |
| 41 | 67 | National Bank of Bahrain | Bahrain | 1.5 | 5.0 | 5.0 | 4.0 | 5.0 | 0.0 | 4.5 | 3.5 | 2.5 | 2.5 | 2.0 | 3.5 | 2.96 |
| 42 | 62 | Sharjah Islamic Bank | UAE | 1.5 | 4.5 | 4.0 | 1.5 | 5.0 | 1.0 | 3.0 | 4.0 | 2.5 | 3.5 | 2.5 | 4.5 | 2.95 |
| 43 | 117 | Capital Bank of Jordan | Jordan | 0.5 | 5.0 | 4.5 | 2.5 | 4.5 | 2.5 | 3.5 | 4.0 | 4.0 | 3.5 | 2.0 | 3.5 | 2.93 |
| 44 | 60 | Ahli United Bank | Kuwait | 1.5 | 3.5 | 3.5 | 0.0 | 4.0 | 0.0 | 2.0 | 4.5 | 2.5 | 5.0* | 4.0* | 3.5 | 2.91 |
| 44 | 89 | Al Masraf | UAE | 1.0 | 4.0 | 3.5 | 1.0 | 5.0 | 0.0 | 2.5 | 5.0 | 2.5 | 5.0 | 2.0 | 4.5 | 2.91 |
| 46 | 51 | Gulf Bank | Kuwait | 2.0 | 3.5 | 3.0 | 0.0 | 4.5 | 0.0 | 1.0 | 4.0 | 2.5 | 5.0* | 3.5 | 3.5 | 2.88 |
| 47 | 35 | BLOM Bank | Lebanon | 3.5 | 0.5 | 0.5 | 5.0 | 3.0 | 2.5 | 0.5 | 5.0 | 0.0 | 5.0 | 0.0 | 5.0 | 2.80 |
| 48 | 33 | Abu Dhabi Islamic Bank | UAE | 3.5 | 2.5 | 2.0 | 2.5 | 5.0 | 0.0 | 2.5 | 3.5 | 2.5 | 2.0 | 1.5 | 3.5 | 2.79 |
| 48 | 134 | Safwa Islamic Bank | Jordan | 0.0 | 5.0 | 5.0 | 3.5 | 2.5 | 3.5 | 1.5 | 3.0 | 2.5 | 5.0 | 3.5 | 4.0 | 2.79 |
| 50 | 56 | Al Ahli Bank of Kuwait | Kuwait | 2.0 | 2.5 | 3.0 | 1.0 | 5.0 | 0.0 | 0.0 | 3.5 | 3.0 | 5.0* | 2.0 | 4.5* | 2.78 |
| 51 | 70 | Housing Bank | Jordan | 1.5 | 1.5 | 1.0 | 3.0 | 4.5 | 0.5 | 1.5 | 4.0 | 2.0 | 5.0 | 2.0 | 3.5 | 2.75 |
| 52 | 39 | Gulf International Bank | Bahrain | 3.0 | 1.5 | 1.0 | 5.0 | 4.5 | 0.0 | 0.0 | 0.0 | 2.0 | 4.0 | 2.0 | 5.0 | 2.68 |
| 53 | 65 | National Bank of Fujairah | UAE | 1.5 | 1.0 | 3.0 | 2.5 | 5.0 | 0.0 | 0.5 | 5.0 | 3.5 | 3.0 | 1.5 | 4.5 | 2.64 |
| 53 | 87 | Bank al Etihad | Jordan | 1.0 | 4.5 | 4.0 | 3.0 | 4.0 | 0.0 | 1.5 | 2.5 | 1.5 | 5.0 | 2.5 | 3.5 | 2.64 |
| 55 | 127 | AJIB | Jordan | 0.0 | 4.0 | 2.0 | 2.0 | 4.0 | 1.0 | 2.0 | 3.0 | 2.5 | 5.0 | 3.5 | 3.0 | 2.63 |
| 56 | 77 | Kuwait International Bank | Kuwait | 1.0 | 4.0 | 3.5 | 0.0 | 5.0 | 0.0 | 0.5 | 2.0 | 2.0 | 5.0* | 3.5* | 4.5* | 2.61 |
| 57 | 96 | Al Salam Bank | Bahrain | 1.0 | 5.0 | 4.5 | 2.5 | 5.0 | 2.0 | 1.5 | 3.5 | 1.5 | 2.5 | 2.0 | 4.0 | 2.58 |
| 58 | 118 | Bank of Jordan | Jordan | 0.5 | 1.0 | 2.0 | 3.0 | 5.0 | 0.0 | 1.0 | 3.0 | 2.0 | 5.0 | 2.0 | 4.5 | 2.56 |
| 59 | 88 | Ahli Bank | Oman | 1.0 | 3.5 | 2.5 | 0.0 | 4.5 | 0.5 | 2.5 | 4.0 | 2.0 | 4.0 | 3.0 | 2.5 | 2.55 |
| 60 | 114 | NBQ | UAE | 0.5 | 1.0 | 1.0 | 1.5 | 5.0 | 0.0 | 5.0 | 5.0 | 3.0 | 2.0 | 1.5 | 5.0 | 2.54 |
| 61 | 30 | Bank Audi | Lebanon | 4.0 | 0.5 | 0.5 | 5.0 | 3.0 | 0.0 | 0.5 | 2.5 | 1.0 | 4.0 | 0.0 | 5.0 | 2.53 |
| 61 | 81 | Ithmaar Bank | Bahrain | 1.0 | 1.0 | 4.0 | 1.5 | 3.5 | 5.0 | 0.5 | 1.5 | 4.0 | 4.5 | 1.5 | 4.5 | 2.53 |
| 63 | 75 | Bank of Sharjah | UAE | 1.0 | 3.5 | 4.0 | 2.5 | 2.5 | 5.0 | 0.5 | 5.0 | 5.0 | 3.0* | 0.5 | 3.5 | 2.51 |
| 63 | 131 | Khaleeji Commercial Bank | Bahrain | 0.0 | 1.0 | 1.5 | 5.0 | 5.0 | 3.5 | 3.5 | 3.5 | 3.5 | 2.5* | 0.0* | 3.5 | 2.51 |
| 65 | 38 | Arab Banking Corporation | Bahrain | 3.0 | 1.5 | 2.0 | 1.5 | 4.5 | 0.0 | 0.0 | 0.0 | 0.0 | 5.0 | 2.5 | 5.0 | 2.48 |
| 66 | 154 | Alubaf Bank | Bahrain | 0.0 | 0.5 | 2.0 | 0.0 | 5.0 | 0.0 | 5.0 | 4.0 | 3.0 | 5.0 | 0.0 | 5.0 | 2.46 |
| 67 | 93 | HSBC Bank | Oman | 1.0 | 3.0 | 1.5 | 3.0 | 5.0 | 0.0 | 0.0 | 2.0 | 3.0 | 3.0 | 2.0 | 5.0 | 2.39 |
| 68 | 76 | Sohar International Bank | Oman | 1.0 | 2.0 | 4.5 | 0.0 | 5.0 | 0.0 | 2.0 | 3.5 | 2.0 | 3.0 | 2.0 | 4.0 | 2.35 |
| 69 | 73 | Bank Dhofar | Oman | 1.5 | 3.0 | 1.5 | 0.0 | 4.5 | 0.0 | 2.0 | 2.0 | 2.0 | 4.0 | 2.5 | 2.5 | 2.33 |
| 69 | 136 | Eskan Bank | Bahrain | 0.0 | 2.5 | 0.5 | 0.0 | 5.0 | 0.5 | 5.0 | 5.0 | 0.5 | 3.0 | 1.5 | 5.0* | 2.33 |
| 69 | 144 | InvestBank | Jordan | 0.0 | 2.5 | 2.0 | 1.0 | 4.5 | 0.0 | 2.5 | 3.0 | 3.5 | 4.0 | 2.0 | 3.0 | 2.33 |
| 72 | 80 | Oman Arab Bank | Oman | 1.0 | 5.0 | 5.0 | 0.5 | 4.0 | 0.0 | 2.0 | 3.0 | 2.0 | 3.5 | 2.5 | 1.5 | 2.31 |
| 73 | 147 | Arab Banking Corporation | Jordan | 0.0 | 2.0 | 2.0 | 1.0 | 5.0 | 0.0 | 0.5 | 2.0 | 2.0 | 5.0 | 2.0 | 4.5 | 2.24 |
| 74 | 107 | Kuwait Finance House | Bahrain | 0.5 | 3.0 | 4.5 | 3.5 | 5.0 | 0.0 | 1.0 | 2.5 | 4.5 | 1.0* | 2.0* | 1.5 | 2.21 |
| 75 | 106 | Cairo Amman Bank | Jordan | 0.5 | 2.0 | 2.5 | 2.5 | 4.5 | 0.0 | 1.0 | 1.5 | 2.5 | 3.5 | 2.0 | 3.5 | 2.19 |
| 76 | 74 | National Bank of Oman | Oman | 1.0 | 2.0 | 3.0 | 0.0 | 4.0 | 0.0 | 2.0 | 3.0 | 2.5 | 3.5 | 2.0 | 2.5 | 2.18 |
| 77 | 137 | Societe Generale | Jordan | 0.0 | 1.5 | 1.0 | 3.5 | 4.5 | 0.0 | 1.0 | 2.5 | 1.5 | 3.5 | 2.0 | 3.0 | 2.10 |
| 78 | 110 | Jordan Ahli Bank | Jordan | 0.5 | 2.0 | 2.0 | 3.0 | 4.0 | 0.0 | 1.0 | 2.0 | 2.5 | 3.0 | 2.0 | 2.5 | 2.08 |
| 79 | 92 | Ajman Bank | UAE | 1.0 | 3.0 | 0.5 | 0.0 | 4.0 | 0.0 | 1.0 | 3.0 | 3.5 | 3.0* | 1.5* | 3.5 | 2.06 |
| 80 | 162 | United Gulf Bank | Bahrain | 0.0 | 4.0 | 5.0 | 5.0 | 4.5 | 0.0 | 0.0 | 0.0 | 0.0 | 5.0* | 0.0* | 5.0* | 2.04 |
| 81 | 99 | Commercial Bank International | UAE | 1.0 | 1.0 | 0.5 | 1.0 | 4.5 | 0.5 | 0.5 | 4.0 | 3.5 | 2.5 | 0.5 | 3.5 | 2.03 |
| 81 | 112 | Jordan Kuwait Bank | Jordan | 0.5 | 2.5 | 2.5 | 2.0 | 5.0 | 0.0 | 0.0 | 2.0 | 2.5 | 2.5 | 1.5 | 4.0 | 2.03 |
| 83 | 71 | Warba Bank | Kuwait | 1.5 | 5.0 | 5.0 | 0.0 | 4.0 | 0.0 | 0.0 | 3.5 | 2.0 | 0.0 | 3.0 | 4.0 | 2.00 |
| 84 | 105 | United Arab Bank | UAE | 0.5 | 0.5 | 1.0 | 2.0 | 4.0 | 0.0 | 0.0 | 2.0 | 3.0 | 4.0 | 0.5 | 4.5 | 1.94 |
| 85 | 59 | Bank of Beirut | Lebanon | 1.5 | 0.5 | 0.5 | 5.0 | 3.0* | 0.0 | 0.0 | 0.0 | 0.0 | 3.0* | 2.0* | 5.0 | 1.91 |
| 86 | 171 | Qatar First Bank | Qatar | 0.0 | 0.5 | 5.0 | 5.0 | 3.0* | 0.0 | 0.0 | 0.0 | 1.0 | 5.0 | 0.0 | 5.0 | 1.84 |
| 87 | 126 | Invest Bank | UAE | 0.5 | 1.0 | 2.5 | 2.5 | 3.0 | 0.0 | 0.0 | 0.5 | 5.0 | 3.5 | 0.0 | 4.0 | 1.79 |
| 88 | 140 | Jordan Commercial Bank | Jordan | 0.0 | 1.5 | 1.5 | 2.5 | 3.0 | 1.0 | 0.0 | 1.5 | 2.5 | 3.5 | 1.5 | 2.0 | 1.71 |
| 89 | 172 | First Energy Bank | Bahrain | 0.0 | 0.5 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5.0* | 0.5* | 5.0* | 1.58 |
| 90 | 200 | CIIB | Bahrain | 0.0 | 2.5 | 0.0 | 0.0 | 5.0 | 0.5 | 5.0 | 2.0 | 1.5 | 0.0 | 0.0 | 0.0 | 1.35 |
Notes:
(1) 5 = Highest, 0 = Lowest.
(2) * Based on data in FY2019. # Adjusted for scale.
(3) LDR = loan to deposit ratio. CAR = capital adequacy ratio. Profit = operating profit. ROA = return on assets. Costs = cost to income ratio. Fees = non-interest income to total operating income. Reserves = loan loss reserves to gross non-performing loans. NPLs = gross non-performing loan ratio. Liquidity = Liquid assets to total deposits and borrowings.
Source: TABInsights
Strongest banks in the Middle East in 2019
The Asian Banker has been publishing the world’s first authoritative annual ranking of the Strongest Banks in Asia Pacific since 2007 based on balance sheet strength. It uses a detailed and transparent scorecard to evaluate the ranking which entails six areas of balance sheet financial performance: the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. The ranking has since been expanded to include banks in the Middle East, Africa, and Central Asia as well as Islamic banks globally.
In this year’s The Asian Banker Strongest Banks By Balance Sheet evaluation, Al Rajhi Bank emerged as the strongest bank in the Middle East. This is based on a detailed and transparent scorecard that evaluates commercial banks and financial holding companies (banks) on six areas of balance sheet financial performance, namely the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. Saudi Arabian banks continued to deliver robust financial performance, taking the top five spots in the top 10 strongest banks list in the region.
The overall profitability of banks in the Middle East improved marginally. The average return on assets of the 100 largest banks in the region went up to 1.65% in 2018 from 1.59% in 2017, and the average return on equity was higher at 12.6% from 12%. Meanwhile, Middle Eastern banks remained well-capitalised, with capital adequacy ratio averaging 18.3% and Tier 1 capital ratio averaging 16.8% in 2018. Despite the challenging operating environment, the overall asset quality of banks in the region stayed relatively sound. Nevertheless, the overall balance sheet growth was weak in 2018, with banks registering average loan growth and deposit growth of 2.7% and 4.5%, respectively.
| Assets | Loans | Deposits | LDR | CAR | Profit | ROA | Costs | Fees | Reserves | NPLs | Liquidity | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Strength Rank 2019 | MEA200 Largest Banks 2019 | Bank | Country | Score (17.5%) | Score (2.5%) | Score (2.5%) | Score (7.5%) | Score (12.5%) | Score (5.0%) | Score (7.5%) | Score (7.5%) | Score (7.5%) | Score (12.5%) | Score (12.5%) | Score (5.0%) | Aggregate Strength Score 2019 |
| 1 | 7 | Al Rajhi Bank | Saudi Arabia | 4.5 | 2.5 | 4.0 | 3.0 | 5.0 | 1.5 | 5.0 | 5.0 | 2.5 | 5.0 | 4.5 | 4.5 | 4.23 |
| 2 | 2 | First Abu Dhabi Bank | UAE | 5.0 | 3.5 | 5.0 | 3.0 | 4.0 | 2.5 | 5.0 | 5.0 | 3.5 | 5.0 | 3.0 | 5.0 | 4.20 |
| 3 | 5 | National Commercial Bank | Saudi Arabia | 5.0 | 3.5 | 3.0 | 2.5 | 5.0 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 4.0 | 4.0 | 4.14 |
| 4 | 13 | Samba Financial Group | Saudi Arabia | 4.5 | 1.5 | 2.5 | 4.0 | 5.0 | 1.0 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 5.0 | 4.11 |
| 5 | 20 | Arab Bank | Jordan | 4.0 | 2.5 | 2.5 | 3.0 | 4.0 | 5.0 | 5.0 | 5.0 | 4.0 | 5.0 | 2.5 | 4.5 | 4.01 |
| 6 | 1 | Qatar National Bank | Qatar | 5.0 | 3.5 | 3.0 | 1.0 | 5.0 | 1.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 3.5 | 3.99 |
| 6 | 16 | Kuwait Finance House | Kuwait | 4.5 | 2.5 | 2.5 | 3.0 | 4.5 | 1.5 | 4.5 | 4.5 | 3.0 | 5.0 | 3.5 | 5.0 | 3.99 |
| 8 | 4 | Emirates NBD Bank | UAE | 5.0 | 4.0 | 3.5 | 1.5 | 5.0 | 1.5 | 5.0 | 5.0 | 3.0 | 5.0 | 2.0 | 4.5 | 3.95 |
| 9 | 21 | Arab National Bank | Saudi Arabia | 4.0 | 3.5 | 3.0 | 2.0 | 5.0 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 4.0 | 3.5 | 3.90 |
| 10 | 18 | Banque Saudi Fransi | Saudi Arabia | 4.5 | 1.5 | 1.5 | 2.5 | 5.0 | 1.0 | 5.0 | 5.0 | 2.5 | 5.0 | 3.0 | 4.5 | 3.89 |
| 11 | 30 | Ahli United Bank | Bahrain | 4.0 | 2.0 | 4.0 | 2.5 | 4.5 | 1.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 4.0 | 3.88 |
| 12 | 11 | Abu Dhabi Commercial Bank | UAE | 4.5 | 3.0 | 4.0 | 1.5 | 4.5 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.0 | 5.0 | 3.85 |
| 13 | 15 | Dubai Islamic Bank | UAE | 4.5 | 4.0 | 3.5 | 1.5 | 4.5 | 1.0 | 5.0 | 5.0 | 3.0 | 5.0 | 3.0 | 3.0 | 3.83 |
| 14 | 8 | National Bank of Kuwait | Kuwait | 4.5 | 3.5 | 3.0 | 0.0 | 4.5 | 1.0 | 4.5 | 5.0 | 2.5 | 5.0 | 4.0 | 4.5 | 3.81 |
| 14 | 14 | Riyad Bank | Saudi Arabia | 4.5 | 4.0 | 4.5 | 2.0 | 5.0 | 1.0 | 5.0 | 4.5 | 3.0 | 3.5 | 3.5 | 3.5 | 3.81 |
| 16 | 23 | SABB | Saudi Arabia | 4.0 | 1.0 | 1.0 | 2.5 | 5.0 | 0.5 | 5.0 | 5.0 | 3.0 | 5.0 | 3.0 | 4.5 | 3.79 |
| 16 | 26 | Mashreqbank | UAE | 4.0 | 4.5 | 4.0 | 2.5 | 4.5 | 0.0 | 4.5 | 4.0 | 4.0 | 5.0 | 2.5 | 5.0 | 3.79 |
| 18 | 32 | Alinma Bank | Saudi Arabia | 3.5 | 3.5 | 2.5 | 1.5 | 5.0 | 1.5 | 5.0 | 4.5 | 2.5 | 5.0 | 4.0 | 3.5 | 3.78 |
| 19 | 24 | Qatar Islamic Bank | Qatar | 4.0 | 2.0 | 1.5 | 0.5 | 5.0 | 1.0 | 5.0 | 5.0 | 3.5 | 5.0 | 4.0 | 2.5 | 3.76 |
| 20 | 28 | BLOM Bank | Lebanon | 4.0 | 1.0 | 2.5 | 5.0 | 5.0 | 0.0 | 4.5 | 4.5 | 2.0 | 4.5 | 2.5 | 5.0 | 3.74 |
| 21 | 22 | Bank Audi | Lebanon | 4.0 | 0.5 | 1.0 | 5.0 | 5.0 | 1.0 | 3.5 | 3.5 | 2.5 | 5.0 | 2.0 | 5.0 | 3.63 |
| 21 | 46 | Bank AlBilad | Saudi Arabia | 2.0 | 5.0 | 5.0 | 2.0 | 4.5 | 2.5 | 5.0 | 3.0 | 4.0 | 5.0 | 3.5 | 4.5 | 3.63 |
| 23 | 33 | Bank Muscat | Oman | 3.5 | 4.0 | 4.5 | 0.0 | 5.0 | 0.5 | 4.5 | 4.0 | 3.5 | 5.0 | 3.0 | 3.5 | 3.55 |
| 24 | 37 | Masraf Al Rayan | Qatar | 3.0 | 2.0 | 1.5 | 0.0 | 5.0 | 0.0 | 5.0 | 5.0 | 5.0 | 4.5 | 4.5 | 1.0 | 3.54 |
| 25 | 50 | Bank of Beirut | Lebanon | 2.0 | 2.5 | 2.0 | 5.0 | 4.5 | 0.0 | 3.5 | 3.5 | 4.0 | 5.0 | 3.0 | 5.0 | 3.48 |
| 26 | 60 | QIIB | Qatar | 1.5 | 0.5 | 1.0 | 2.0 | 4.5 | 1.0 | 5.0 | 5.0 | 4.0 | 4.5 | 3.5 | 4.5 | 3.34 |
| 27 | 31 | Abu Dhabi Islamic Bank | UAE | 3.5 | 3.0 | 2.0 | 3.0 | 4.5 | 0.5 | 5.0 | 3.5 | 2.5 | 3.5 | 2.5 | 4.0 | 3.33 |
| 28 | 59 | Noor Bank | UAE | 1.5 | 5.0 | 5.0 | 1.5 | 4.5 | 0.0 | 4.0 | 4.5 | 4.0 | 5.0 | 2.5 | 4.5 | 3.29 |
| 28 | 84 | Warba Bank | Kuwait | 1.0 | 5.0 | 3.0 | 0.0 | 5.0 | 5.0 | 1.5 | 4.5 | 3.5 | 5.0 | 4.0 | 4.0 | 3.29 |
| 30 | 91 | HSBC Bank | Oman | 1.0 | 2.0 | 2.0 | 3.5 | 5.0 | 4.0 | 4.0 | 2.5 | 3.5 | 5.0 | 4.0 | 0.0 | 3.24 |
| 31 | 44 | Commercial Bank of Dubai | UAE | 2.5 | 4.0 | 4.5 | 1.0 | 4.0 | 1.0 | 5.0 | 5.0 | 3.0 | 4.0 | 2.0 | 4.5 | 3.23 |
| 32 | 96 | Al Masraf | UAE | 1.0 | 4.5 | 4.5 | 1.0 | 5.0 | 1.0 | 5.0 | 5.0 | 2.0 | 5.0 | 2.5 | 4.5 | 3.21 |
| 33 | 72 | National Bank of Fujairah | UAE | 1.5 | 4.0 | 4.0 | 2.0 | 4.0 | 2.0 | 5.0 | 5.0 | 3.5 | 4.0 | 2.0 | 4.5 | 3.20 |
| 34 | 45 | Gulf Bank | Kuwait | 2.0 | 3.0 | 3.5 | 0.0 | 4.5 | 1.0 | 2.5 | 5.0 | 2.5 | 5.0 | 4.0 | 3.5 | 3.18 |
| 35 | 29 | HSBC Bank Middle East | UAE | 4.0 | 4.5 | 1.5 | 1.5 | 2.5 | 1.0 | 4.5 | 3.0 | 4.5 | 3.5 | 2.0 | 5.0 | 3.16 |
| 36 | 54 | Al Ahli Bank of Kuwait | Kuwait | 1.5 | 1.5 | 3.5 | 1.0 | 5.0 | 1.0 | 2.5 | 4.5 | 3.0 | 5.0 | 3.5 | 4.0 | 3.15 |
| 36 | 57 | RAKBANK | UAE | 1.5 | 2.5 | 3.5 | 1.0 | 4.5 | 0.0 | 5.0 | 4.5 | 3.0 | 5.0 | 2.5 | 4.5 | 3.15 |
| 36 | 70 | Ahli Bank | Qatar | 1.5 | 1.0 | 0.5 | 0.0 | 5.0 | 1.0 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 3.5 | 3.15 |
| 39 | 40 | Byblos Bank | Lebanon | 2.5 | 2.0 | 2.5 | 5.0 | 5.0 | 0.5 | 1.5 | 3.0 | 3.0 | 3.5 | 2.5 | 5.0 | 3.14 |
| 39 | 66 | Sharjah Islamic Bank | UAE | 1.5 | 4.5 | 5.0 | 1.5 | 4.5 | 0.0 | 3.5 | 3.0 | 5.0 | 5.0 | 2.0 | 4.5 | 3.14 |
| 41 | 67 | Housing Bank | Jordan | 1.5 | 2.5 | 2.0 | 3.5 | 4.5 | 1.0 | 3.5 | 4.0 | 2.0 | 5.0 | 2.5 | 4.5 | 3.13 |
| 41 | 75 | BBK | Bahrain | 1.0 | 2.5 | 0.5 | 3.5 | 5.0 | 2.0 | 5.0 | 4.5 | 3.5 | 4.0 | 1.5 | 4.5 | 3.13 |
| 43 | 63 | Ahli United Bank | Kuwait | 1.5 | 3.5 | 2.0 | 0.0 | 4.5 | 0.5 | 4.0 | 5.0 | 2.0 | 5.0 | 4.0 | 3.5 | 3.11 |
| 44 | 39 | Saudi Investment Bank | Saudi Arabia | 3.0 | 2.0 | 1.0 | 1.5 | 4.5 | 1.0 | 4.5 | 4.5 | 2.0 | 3.0 | 2.5 | 5.0 | 3.09 |
| 44 | 65 | Barwa Bank | Qatar | 1.5 | 0.5 | 1.5 | 0.0 | 4.5 | 0.0 | 5.0 | 4.5 | 5.0 | 5.0 | 3.0 | 2.5 | 3.09 |
| 46 | 35 | Arab Banking Corporation | Bahrain | 3.0 | 1.5 | 1.5 | 1.5 | 5.0 | 0.0 | 2.0 | 2.5 | 3.5 | 4.5 | 2.5 | 5.0 | 3.06 |
| 46 | 42 | Al Baraka Banking Group | Bahrain | 2.5 | 0.5 | 1.0 | 4.5 | 4.5 | 0.5 | 2.0 | 3.0 | 5.0 | 3.5 | 2.0 | 4.5 | 3.06 |
| 48 | 38 | Doha Bank | Qatar | 3.0 | 2.0 | 1.0 | 0.0 | 4.5 | 0.0 | 2.5 | 4.5 | 2.5 | 5.0 | 2.5 | 4.5 | 3.04 |
| 48 | 93 | Ahli Bank | Oman | 1.0 | 4.5 | 4.5 | 0.0 | 4.5 | 1.0 | 4.0 | 4.5 | 2.0 | 5.0 | 3.5 | 3.5 | 3.04 |
| 50 | 27 | Commercial Bank | Qatar | 4.0 | 1.0 | 0.5 | 0.0 | 4.0 | 1.0 | 3.5 | 5.0 | 3.5 | 3.5 | 2.0 | 3.0 | 3.03 |
| 51 | 47 | Bank AlJazira | Saudi Arabia | 2.0 | 3.0 | 3.0 | 3.0 | 5.0 | 0.0 | 4.5 | 2.5 | 3.0 | 3.5 | 3.0 | 2.0 | 3.01 |
| 52 | 94 | Jordan Islamic Bank | Jordan | 1.0 | 3.0 | 1.5 | 3.0 | 5.0 | 0.0 | 3.5 | 3.5 | 1.5 | 5.0 | 3.0 | 4.5 | 3.00 |
| 52 | 153 | Cedrus Invest Bank | Lebanon | 0.0 | 5.0 | 5.0 | 5.0 | 2.5 | 2.5 | 5.0 | 5.0 | 2.5 | 3.5 | 2.5 | 5.0 | 3.00 |
| 54 | 36 | Gulf International Bank | Bahrain | 3.0 | 1.5 | 4.5 | 5.0 | 4.0 | 0.0 | 0.0 | 1.0 | 3.0 | 5.0 | 2.0 | 5.0 | 2.98 |
| 54 | 81 | Sohar International Bank | Oman | 1.0 | 4.0 | 4.0 | 0.0 | 4.0 | 3.5 | 2.5 | 4.0 | 3.5 | 5.0 | 3.0 | 3.5 | 2.98 |
| 56 | 78 | National Bank of Bahrain | Bahrain | 1.0 | 3.0 | 2.5 | 5.0 | 5.0 | 1.0 | 5.0 | 4.5 | 3.0 | 2.0 | 1.5 | 4.5 | 2.96 |
| 56 | 86 | Kuwait International Bank | Kuwait | 1.0 | 5.0 | 4.5 | 0.0 | 4.5 | 0.0 | 3.0 | 3.0 | 2.0 | 5.0 | 4.5 | 4.0 | 2.96 |
| 58 | 58 | Al Khalij Commercial Bank | Qatar | 1.5 | 0.5 | 0.5 | 0.0 | 4.5 | 0.0 | 3.5 | 5.0 | 2.0 | 5.0 | 3.5 | 5.0 | 2.95 |
| 59 | 92 | Oman Arab Bank | Oman | 1.0 | 4.5 | 3.5 | 1.0 | 4.5 | 3.0 | 4.0 | 3.0 | 2.5 | 4.5 | 3.0 | 2.5 | 2.94 |
| 60 | 115 | NBQ | UAE | 0.5 | 1.0 | 3.0 | 1.5 | 5.0 | 3.5 | 5.0 | 5.0 | 2.5 | 3.0 | 2.0 | 5.0 | 2.91 |
| 61 | 101 | Bank al Etihad | Jordan | 1.0 | 4.5 | 4.5 | 3.0 | 4.0 | 2.5 | 3.5 | 3.5 | 3.0 | 3.5 | 2.5 | 3.0 | 2.90 |
| 62 | 123 | Bank of Jordan | Jordan | 0.5 | 2.5 | 2.5 | 3.0 | 4.5 | 0.0 | 5.0 | 3.0 | 2.5 | 5.0 | 2.0 | 4.5 | 2.89 |
| 63 | 53 | Banque Libano-Francaise | Lebanon | 2.0 | 1.5 | 3.0 | 5.0 | 4.0 | 0.0 | 2.0 | 3.5 | 2.0 | 4.0 | 1.5 | 5.0 | 2.84 |
| 64 | 43 | Fransabank | Lebanon | 2.5 | 3.0 | 3.0 | 5.0 | 4.5 | 0.0 | 2.0 | 3.0 | 2.5 | 2.5 | 1.5 | 4.5 | 2.81 |
| 65 | 71 | Bank Dhofar | Oman | 1.5 | 1.5 | 1.0 | 0.0 | 4.5 | 0.0 | 3.5 | 3.0 | 2.0 | 5.0 | 3.5 | 3.5 | 2.76 |
| 65 | 146 | Bank Nizwa | Oman | 0.0 | 5.0 | 5.0 | 3.0 | 4.5 | 5.0 | 2.5 | 2.0 | 4.5 | 0.0 | 5.0 | 3.5 | 2.76 |
| 67 | 64 | Credit Libanais | Lebanon | 1.5 | 1.0 | 2.0 | 5.0 | 4.5 | 0.0 | 1.5 | 2.5 | 2.5 | 3.5 | 2.0 | 5.0 | 2.70 |
| 67 | 76 | National Bank of Oman | Oman | 1.0 | 3.5 | 2.0 | 0.0 | 4.5 | 0.0 | 4.5 | 3.5 | 3.0 | 4.5 | 2.5 | 2.5 | 2.70 |
| 67 | 89 | Commercial Bank International | UAE | 1.0 | 2.0 | 4.0 | 2.5 | 4.0 | 2.5 | 3.5 | 4.0 | 4.5 | 2.0 | 1.5 | 4.5 | 2.70 |
| 70 | 90 | Ajman Bank | UAE | 1.0 | 4.0 | 5.0 | 1.5 | 4.5 | 0.0 | 2.0 | 3.5 | 4.0 | 3.5 | 2.0 | 4.0 | 2.68 |
| 71 | 173 | Emirates Investment Bank | UAE | 0.0 | 5.0 | 0.5 | 5.0 | 5.0 | 0.0 | 2.0 | 1.0 | 4.5 | 0.5 | 5.0 | 5.0 | 2.64 |
| 72 | 55 | Commercial Bank of Kuwait | Kuwait | 1.5 | 2.5 | 3.0 | 1.0 | 5.0 | 5.0 | 4.5 | 5.0 | 4.0 | 0.0 | 0.0 | 5.0 | 2.61 |
| 73 | 133 | Saradar Bank | Lebanon | 0.5 | 4.5 | 3.5 | 5.0 | 3.5 | 5.0 | 0.5 | 0.0 | 4.0 | 3.5 | 1.5 | 5.0 | 2.56 |
| 73 | 157 | Alizz Islamic Bank | Oman | 0.0 | 5.0 | 5.0 | 1.5 | 4.0 | 5.0 | 1.0 | 0.0 | 2.5 | 4.5 | 4.0 | 2.5 | 2.56 |
| 75 | 80 | BBAC bank | Lebanon | 1.0 | 2.0 | 3.5 | 5.0 | 4.5 | 1.5 | 1.5 | 2.5 | 3.0 | 2.5 | 1.0 | 5.0 | 2.54 |
| 75 | 158 | INVESTBANK | Jordan | 0.0 | 3.5 | 4.5 | 1.5 | 4.0 | 1.0 | 4.5 | 2.5 | 3.5 | 3.5 | 2.0 | 4.0 | 2.54 |
| 77 | 106 | First National Bank | Lebanon | 1.0 | 0.5 | 1.5 | 5.0 | 3.5 | 0.0 | 2.0 | 2.0 | 2.5 | 4.0 | 2.0 | 5.0 | 2.53 |
| 78 | 151 | Banque Bemo | Lebanon | 0.0 | 1.0 | 1.0 | 5.0 | 5.0 | 1.0 | 2.5 | 3.0 | 3.0 | 1.5 | 2.5 | 5.0 | 2.49 |
| 79 | 100 | Lebanon & Gulf Bank | Lebanon | 1.0 | 1.0 | 4.0 | 5.0 | 4.0 | 0.0 | 1.5 | 2.5 | 2.5 | 3.0 | 1.5 | 5.0 | 2.48 |
| 80 | 49 | BankMed | Lebanon | 2.0 | 0.5 | 2.5 | 5.0 | 4.5 | 0.0 | 0.5 | 0.0 | 3.5 | 4.0 | 0.5 | 4.5 | 2.45 |
| 80 | 136 | AJIB | Jordan | 0.0 | 2.0 | 1.5 | 3.5 | 4.0 | 0.0 | 2.0 | 2.5 | 2.5 | 3.5 | 3.5 | 4.0 | 2.45 |
| 82 | 159 | Arab Banking Corporation | Jordan | 0.0 | 3.0 | 2.0 | 1.5 | 5.0 | 0.0 | 2.0 | 1.5 | 2.5 | 4.5 | 2.5 | 4.5 | 2.41 |
| 83 | 161 | Safwa Islamic Bank | Jordan | 0.0 | 4.5 | 5.0 | 2.5 | 2.5 | 4.5 | 2.0 | 2.0 | 1.5 | 4.0 | 3.0 | 3.0 | 2.40 |
| 83 | 172 | Alubaf Bank | Bahrain | 0.0 | 4.0 | 0.5 | 0.0 | 5.0 | 0.0 | 4.0 | 4.5 | 2.0 | 5.0 | 0.0 | 5.0 | 2.40 |
| 85 | 82 | Bank of Sharjah | UAE | 1.0 | 0.5 | 1.0 | 2.5 | 4.0 | 0.0 | 1.0 | 4.0 | 3.0 | 4.5 | 1.0 | 4.0 | 2.39 |
| 86 | 109 | Al Salam Bank | Bahrain | 0.5 | 4.5 | 3.5 | 3.0 | 5.0 | 0.0 | 3.5 | 3.5 | 3.5 | 2.0 | 1.5 | 0.0 | 2.36 |
| 86 | 119 | Jordan Kuwait Bank | Jordan | 0.5 | 3.0 | 1.5 | 1.5 | 4.5 | 0.0 | 4.5 | 3.0 | 3.0 | 2.5 | 1.5 | 4.0 | 2.36 |
| 88 | 99 | United Arab Bank | UAE | 1.0 | 1.5 | 1.0 | 1.5 | 4.0 | 0.5 | 1.0 | 3.0 | 2.5 | 4.5 | 1.5 | 4.5 | 2.34 |
| 89 | 116 | Kuwait Finance House | Bahrain | 0.5 | 5.0 | 4.5 | 1.5 | 5.0 | 0.5 | 4.0 | 2.0 | 5.0 | 1.0 | 1.5 | 2.0 | 2.33 |
| 89 | 139 | Capital Bank of Jordan | Jordan | 0.0 | 1.5 | 2.5 | 3.5 | 4.5 | 0.0 | 4.5 | 3.0 | 3.5 | 2.5 | 0.5 | 4.0 | 2.33 |
| 91 | 144 | Societe Generale | Jordan | 0.0 | 5.0 | 5.0 | 5.0 | 4.0 | 0.0 | 1.5 | 2.5 | 2.5 | 2.5 | 1.5 | 3.5 | 2.29 |
| 92 | 118 | Jordan Ahli Bank | Jordan | 0.5 | 1.0 | 2.0 | 3.5 | 4.0 | 0.0 | 2.0 | 1.0 | 2.5 | 3.5 | 2.0 | 3.5 | 2.20 |
| 93 | 41 | Burgan Bank | Kuwait | 2.5 | 1.5 | 0.5 | 0.0 | 4.5 | 1.5 | 3.5 | 4.0 | 3.0 | 0.0 | 0.0 | 4.5 | 2.14 |
| 94 | 112 | Cairo Amman Bank | Jordan | 0.5 | 3.5 | 4.0 | 2.0 | 4.0 | 0.0 | 3.0 | 1.0 | 3.0 | 2.0 | 1.5 | 4.0 | 2.09 |
| 95 | 128 | Bahrain Islamic Bank | Bahrain | 0.5 | 3.0 | 2.0 | 2.5 | 4.5 | 1.0 | 2.5 | 2.0 | 2.0 | 2.0 | 1.0 | 3.5 | 2.05 |
| 96 | 147 | Khaleeji Commercial Bank | Bahrain | 0.0 | 0.5 | 4.0 | 4.5 | 4.5 | 0.0 | 0.5 | 2.0 | 4.5 | 1.0 | 0.0 | 4.0 | 1.86 |
| 97 | 79 | Ithmaar Bank | Bahrain | 1.0 | 1.0 | 0.5 | 0.0 | 3.5 | 0.0 | 1.0 | 0.0 | 2.0 | 5.0 | 1.5 | 2.5 | 1.81 |
| 98 | 154 | Jordan Commercial Bank | Jordan | 0.0 | 2.5 | 0.5 | 2.5 | 3.0 | 0.0 | 1.0 | 0.5 | 2.5 | 3.0 | 1.0 | 2.5 | 1.56 |
| 99 | 121 | Invest Bank | UAE | 0.5 | 0.5 | 0.5 | 3.0 | 1.0 | 0.0 | 0.0 | 2.5 | 2.5 | 3.5 | 0.0 | 3.5 | 1.45 |
| 100 | 111 | CreditBank | Lebanon | 0.5 | 4.0 | 3.5 | 5.0 | 0.0 | 4.0 | 1.5 | 2.5 | 3.0 | 0.0 | 0.0 | 0.0 | 1.38 |
Notes:
(1) 5 = Highest, 0 = Lowest.
(2) LDR = loan to deposit ratio. CAR = capital adequacy ratio. Profit = operating profit. ROA = return on assets. Costs = cost to income ratio. Fees = non-interest income to total operating income. Reserves = loan loss reserves to gross non-performing loans. NPLs = gross non-performing loan ratio. Liquidity = Liquid assets to total deposits and borrowings.
Source: TABInsights
Strongest banks in the Middle East in 2018
The Asian Banker has been publishing the world’s first authoritative annual ranking of the Strongest Banks in Asia Pacific since 2007 based on balance sheet strength. It uses a detailed and transparent scorecard to evaluate the ranking which entails six areas of balance sheet financial performance: the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. The ranking has since been expanded to include banks in the Middle East, Africa, and Central Asia as well as Islamic banks globally.
In this year’s The Asian Banker Strongest Banks By Balance Sheet evaluation, First Abu Dhabi Bank emerged as the strongest bank in the Middle East. This is based on a detailed and transparent scorecard that evaluates commercial banks and financial holding companies (banks) on six areas of balance sheet financial performance, namely the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. The banks in Saudi Arabia, the UAE and Qatar achieved the highest average strength score at 3.83, 3.69 and 3.56 out of five, respectively, while banks in Oman and Jordan underperformed.
Overall, Saudi Arabian banks delivered better financial performance than banks in other countries, although Saudi Arabia was the only Middle Eastern country that saw its banks’ balance sheet growth shrink in 2017. On average, their net loans edged down by 1.1%, mainly because the economic slowdown cut demand for loans. Nevertheless, banks in Saudi Arabia have strong profitability. The average return on assets of Saudi banks on the list stood at 2%, which was the highest in the region. Meanwhile, they maintained strong capitalisation, with the average capital adequacy ratio increasing to 20.5% in 2017 and their asset quality stayed relatively sound despite the challenging operating environment.
| Assets | Loans | Deposits | LDR | CAR | Profit | ROA | Costs | Fees | Reserves | NPLs | Liquidity | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Strength Rank 2018 | MEA200 Largest Banks 2018 | Bank | Country | Score (17.5%) | Score (2.5%) | Score (2.5%) | Score (10.0%) | Score (10.0%) | Score (5.0%) | Score (7.5%) | Score (7.5%) | Score (7.5%) | Score (12.5%) | Score (12.5%) | Score (5.0%) | Aggregate Strength Score 2018 |
| 1 | 2 | First Abu Dhabi Bank | UAE | 5.0 | 5.0 | 5.0 | 2.5 | 4.5 | 5.0 | 5.0 | 5.0 | 3.5 | 5.0 | 3.0 | 5.0 | 4.34 |
| 2 | 13 | Samba Financial Group | Saudi Arabia | 4.5 | 0.5 | 1.0 | 3.5 | 5.0 | 0.5 | 5.0 | 5.0 | 3.0 | 5.0 | 4.5 | 4.0 | 4.06 |
| 3 | 32 | BLOM Bank | Lebanon | 3.5 | 3.0 | 3.5 | 5.0 | 5.0 | 0.0 | 4.5 | 5.0 | 3.0 | 5.0 | 3.5 | 5.0 | 4.03 |
| 4 | 15 | Kuwait Finance House | Kuwait | 4.5 | 4.0 | 4.0 | 3.0 | 4.5 | 1.5 | 4.0 | 4.0 | 4.0 | 5.0 | 3.0 | 5.0 | 3.96 |
| 4 | 33 | Alinma Bank | Saudi Arabia | 3.5 | 4.0 | 4.0 | 2.0 | 5.0 | 4.5 | 5.0 | 4.5 | 2.5 | 5.0 | 4.0 | 4.0 | 3.96 |
| 6 | 8 | Al Rajhi Bank | Saudi Arabia | 4.5 | 2.5 | 1.5 | 2.0 | 5.0 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 4.5 | 4.0 | 3.94 |
| 7 | 16 | Dubai Islamic Bank | UAE | 4.5 | 4.5 | 5.0 | 1.5 | 4.5 | 2.0 | 5.0 | 5.0 | 3.5 | 5.0 | 3.0 | 3.5 | 3.91 |
| 8 | 5 | National Commercial Bank | Saudi Arabia | 5.0 | 1.0 | 1.0 | 2.5 | 5.0 | 0.5 | 5.0 | 4.5 | 3.0 | 5.0 | 3.5 | 3.5 | 3.88 |
| 9 | 19 | SABB | Saudi Arabia | 4.5 | 1.0 | 1.5 | 2.5 | 5.0 | 0.5 | 5.0 | 5.0 | 3.0 | 5.0 | 3.5 | 4.0 | 3.86 |
| 10 | 14 | Riyad Bank | Saudi Arabia | 4.5 | 1.0 | 1.0 | 2.0 | 5.0 | 1.0 | 5.0 | 4.5 | 3.0 | 5.0 | 4.0 | 4.0 | 3.85 |
| 10 | 21 | Arab National Bank | Saudi Arabia | 4.0 | 1.5 | 1.5 | 2.5 | 4.5 | 2.0 | 5.0 | 5.0 | 3.0 | 5.0 | 4.0 | 3.5 | 3.85 |
| 12 | 1 | Qatar National Bank | Qatar | 5.0 | 4.0 | 4.5 | 1.0 | 4.5 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 3.5 | 3.84 |
| 13 | 4 | Emirates NBD | UAE | 5.0 | 2.5 | 3.0 | 1.5 | 5.0 | 1.0 | 5.0 | 5.0 | 3.5 | 5.0 | 2.0 | 4.0 | 3.80 |
| 14 | 17 | Banque Saudi Fransi | Saudi Arabia | 4.5 | 0.5 | 0.5 | 2.5 | 5.0 | 0.0 | 5.0 | 4.5 | 3.0 | 5.0 | 3.0 | 4.0 | 3.70 |
| 14 | 42 | Saudi Investment Bank | Saudi Arabia | 3.0 | 1.5 | 2.0 | 2.0 | 5.0 | 4.0 | 4.5 | 4.5 | 2.5 | 5.0 | 4.0 | 4.0 | 3.70 |
| 16 | 28 | Mashreqbank | UAE | 3.5 | 2.0 | 1.0 | 2.5 | 4.5 | 0.0 | 5.0 | 4.5 | 4.5 | 5.0 | 3.0 | 5.0 | 3.69 |
| 17 | 9 | National Bank of Kuwait | Kuwait | 4.5 | 3.0 | 4.0 | 0.0 | 4.5 | 1.5 | 4.0 | 5.0 | 2.5 | 5.0 | 4.0 | 4.0 | 3.68 |
| 17 | 12 | Abu Dhabi Commercial Bank | UAE | 4.5 | 2.0 | 2.5 | 0.5 | 5.0 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 4.0 | 3.68 |
| 19 | 22 | Bank Audi | Lebanon | 4.0 | 0.5 | 0.5 | 5.0 | 4.5 | 0.0 | 4.0 | 3.0 | 3.0 | 5.0 | 2.5 | 5.0 | 3.61 |
| 20 | 24 | Qatar Islamic Bank | Qatar | 4.0 | 2.5 | 3.5 | 0.5 | 4.5 | 2.0 | 4.5 | 5.0 | 3.5 | 4.5 | 4.0 | 2.0 | 3.59 |
| 21 | 31 | Ahli United Bank | Bahrain | 3.5 | 3.0 | 2.0 | 2.0 | 4.5 | 0.0 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 3.5 | 3.56 |
| 22 | 52 | Bank AlBilad | Saudi Arabia | 2.0 | 5.0 | 4.5 | 1.5 | 5.0 | 2.5 | 4.5 | 2.5 | 4.5 | 5.0 | 4.0 | 4.0 | 3.55 |
| 23 | 38 | Alawwal Bank | Saudi Arabia | 3.0 | 0.5 | 0.5 | 2.5 | 5.0 | 0.5 | 4.0 | 5.0 | 3.0 | 5.0 | 3.0 | 3.5 | 3.40 |
| 23 | 76 | BBK | Bahrain | 1.0 | 1.5 | 3.0 | 4.0 | 5.0 | 1.5 | 5.0 | 4.5 | 4.0 | 5.0 | 2.0 | 5.0 | 3.40 |
| 25 | 122 | Bank of Jordan | Jordan | 0.5 | 4.5 | 4.5 | 3.0 | 5.0 | 3.0 | 5.0 | 4.0 | 3.5 | 5.0 | 2.5 | 5.0 | 3.39 |
| 26 | 40 | Gulf International Bank | Bahrain | 3.0 | 2.0 | 5.0 | 4.5 | 4.0 | 5.0 | 0.5 | 1.5 | 3.0 | 5.0 | 2.5 | 5.0 | 3.36 |
| 27 | 20 | Arab Bank | Jordan | 4.0 | 3.0 | 1.5 | 3.0 | 4.0 | 1.0 | 3.5 | 3.5 | 4.5 | 3.5 | 2.0 | 4.0 | 3.31 |
| 27 | 27 | HSBC Bank Middle East | UAE | 4.0 | 0.5 | 1.5 | 2.5 | 4.5 | 0.0 | 4.5 | 2.5 | 4.5 | 4.0 | 2.0 | 5.0 | 3.31 |
| 27 | 35 | Union National Bank | UAE | 3.0 | 1.0 | 2.0 | 1.5 | 5.0 | 1.0 | 4.5 | 5.0 | 3.0 | 4.5 | 2.5 | 4.0 | 3.31 |
| 30 | 29 | Abu Dhabi Islamic Bank | UAE | 3.5 | 1.0 | 2.0 | 3.0 | 4.5 | 1.0 | 5.0 | 4.0 | 2.5 | 4.0 | 2.0 | 4.0 | 3.30 |
| 30 | 36 | Bank Muscat | Oman | 3.0 | 2.5 | 1.5 | 0.0 | 5.0 | 0.5 | 5.0 | 4.0 | 4.0 | 5.0 | 3.0 | 3.5 | 3.30 |
| 32 | 37 | Masraf Al Rayan | Qatar | 3.0 | 3.0 | 3.5 | 0.0 | 5.0 | 0.5 | 5.0 | 5.0 | 5.0 | 2.0 | 5.0 | 1.5 | 3.29 |
| 33 | 34 | Arab Banking Corporation | Bahrain | 3.0 | 2.5 | 4.5 | 1.5 | 5.0 | 0.0 | 2.0 | 3.0 | 4.0 | 5.0 | 3.0 | 5.0 | 3.28 |
| 34 | 39 | Doha Bank | Qatar | 3.0 | 2.0 | 3.5 | 0.5 | 4.5 | 1.5 | 4.0 | 4.5 | 2.5 | 5.0 | 2.5 | 4.0 | 3.20 |
| 34 | 51 | Bank AlJazira | Saudi Arabia | 2.0 | 0.5 | 1.0 | 3.0 | 5.0 | 1.5 | 4.0 | 2.5 | 3.0 | 5.0 | 4.0 | 2.0 | 3.20 |
| 36 | 47 | Societe Generale | Lebanon | 2.5 | 4.0 | 4.5 | 5.0 | 4.0 | 0.0 | 3.0 | 4.0 | 4.0 | 2.5 | 2.0 | 5.0 | 3.19 |
| 36 | 75 | Sharjah Islamic Bank | UAE | 1.5 | 5.0 | 5.0 | 1.0 | 5.0 | 0.0 | 4.0 | 3.5 | 5.0 | 5.0 | 2.5 | 4.0 | 3.19 |
| 38 | 73 | Ahli Bank | Qatar | 1.5 | 3.5 | 0.5 | 0.0 | 4.5 | 1.0 | 5.0 | 5.0 | 2.5 | 5.0 | 4.5 | 3.5 | 3.16 |
| 38 | 88 | IBL Bank | Lebanon | 1.0 | 0.5 | 2.5 | 5.0 | 5.0 | 1.0 | 4.5 | 5.0 | 4.5 | 2.0 | 2.5 | 5.0 | 3.16 |
| 40 | 45 | Byblos Bank | Lebanon | 2.5 | 3.0 | 3.0 | 5.0 | 4.5 | 0.0 | 2.0 | 3.0 | 4.0 | 3.0 | 2.5 | 5.0 | 3.15 |
| 41 | 50 | Bank of Beirut | Lebanon | 2.0 | 4.5 | 3.0 | 5.0 | 4.0 | 1.0 | 3.5 | 3.5 | 4.0 | 2.0 | 2.5 | 5.0 | 3.13 |
| 41 | 85 | National Bank of Bahrain | Bahrain | 1.0 | 4.5 | 2.5 | 5.0 | 5.0 | 1.5 | 5.0 | 5.0 | 3.5 | 2.0 | 1.5 | 5.0 | 3.13 |
| 41 | 102 | Al Masraf | UAE | 1.0 | 5.0 | 4.5 | 0.5 | 5.0 | 1.0 | 5.0 | 5.0 | 3.0 | 5.0 | 2.5 | 4.0 | 3.13 |
| 44 | 26 | Commercial Bank | Qatar | 4.0 | 4.5 | 4.0 | 0.0 | 4.5 | 2.5 | 1.0 | 4.5 | 3.5 | 4.0 | 2.0 | 4.0 | 3.11 |
| 44 | 69 | Housing Bank | Jordan | 1.5 | 2.5 | 2.5 | 3.5 | 4.5 | 0.0 | 4.5 | 4.0 | 2.0 | 5.0 | 2.5 | 4.0 | 3.11 |
| 46 | 67 | Noor Bank | UAE | 1.5 | 3.0 | 2.0 | 1.5 | 4.5 | 2.5 | 2.0 | 4.5 | 4.5 | 5.0 | 2.5 | 4.0 | 3.08 |
| 47 | 41 | Al Baraka Banking Group | Bahrain | 3.0 | 3.5 | 3.5 | 4.0 | 4.5 | 0.0 | 2.0 | 2.5 | 5.0 | 2.5 | 2.0 | 4.0 | 3.03 |
| 48 | 43 | Burgan Bank | Kuwait | 2.5 | 2.5 | 4.0 | 0.0 | 4.5 | 1.5 | 2.5 | 3.5 | 3.0 | 5.0 | 3.0 | 4.0 | 3.00 |
| 49 | 62 | QIIB | Qatar | 1.5 | 4.5 | 5.0 | 0.5 | 4.5 | 0.0 | 5.0 | 5.0 | 4.0 | 2.5 | 4.0 | 2.5 | 2.99 |
| 50 | 48 | Commercial Bank of Dubai | UAE | 2.0 | 4.0 | 4.0 | 1.0 | 4.0 | 1.0 | 4.5 | 5.0 | 3.5 | 3.5 | 2.0 | 4.0 | 2.96 |
| 51 | 55 | Al Khalij Commercial Bank | Qatar | 2.0 | 1.5 | 1.5 | 0.0 | 4.5 | 1.0 | 2.5 | 5.0 | 2.0 | 5.0 | 3.5 | 5.0 | 2.95 |
| 51 | 84 | Bank of Sharjah | UAE | 1.0 | 2.0 | 4.0 | 2.5 | 4.5 | 0.5 | 2.0 | 4.5 | 4.5 | 5.0 | 2.0 | 4.0 | 2.95 |
| 53 | 49 | Gulf Bank | Kuwait | 2.0 | 4.0 | 2.5 | 0.0 | 4.5 | 1.5 | 2.0 | 4.5 | 3.0 | 5.0 | 3.5 | 2.5 | 2.94 |
| 54 | 77 | National Bank of Fujairah | UAE | 1.0 | 3.0 | 3.5 | 2.0 | 4.5 | 1.0 | 4.0 | 5.0 | 3.5 | 4.0 | 2.0 | 4.0 | 2.93 |
| 54 | 101 | Ahli Bank | Oman | 1.0 | 3.0 | 4.5 | 0.0 | 4.5 | 0.5 | 4.0 | 4.5 | 2.0 | 5.0 | 4.0 | 3.5 | 2.93 |
| 56 | 81 | International Bank of Qatar | Qatar | 1.0 | 2.0 | 1.0 | 0.5 | 4.0 | 2.0 | 5.0 | 5.0 | 3.0 | 3.5 | 4.0 | 4.0 | 2.91 |
| 56 | 105 | Bank al Etihad | Jordan | 1.0 | 5.0 | 5.0 | 3.0 | 4.0 | 4.0 | 3.0 | 3.0 | 2.5 | 3.5 | 2.5 | 4.0 | 2.91 |
| 58 | 61 | RAKBANK | UAE | 1.5 | 4.0 | 4.0 | 0.5 | 5.0 | 0.0 | 5.0 | 4.5 | 3.0 | 3.5 | 2.5 | 4.0 | 2.90 |
| 58 | 65 | Ahli United Bank | Kuwait | 1.5 | 1.5 | 1.0 | 0.0 | 4.5 | 1.0 | 3.5 | 5.0 | 1.5 | 5.0 | 4.0 | 4.0 | 2.90 |
| 58 | 93 | Jordan Islamic Bank | Jordan | 1.0 | 1.5 | 2.0 | 3.5 | 5.0 | 0.0 | 4.0 | 3.0 | 2.5 | 4.0 | 3.0 | 4.0 | 2.90 |
| 61 | 59 | Al Ahli Bank of Kuwait | Kuwait | 1.5 | 2.0 | 2.0 | 0.5 | 4.5 | 1.0 | 2.0 | 4.5 | 3.0 | 5.0 | 3.5 | 3.0 | 2.84 |
| 62 | 68 | Credit Libanais | Lebanon | 1.5 | 3.5 | 2.5 | 5.0 | 4.0 | 3.0 | 2.0 | 3.0 | 3.0 | 1.5 | 2.0 | 5.0 | 2.75 |
| 62 | 72 | Bank Dhofar | Oman | 1.5 | 3.5 | 3.0 | 0.0 | 4.0 | 0.0 | 3.5 | 3.5 | 2.5 | 5.0 | 3.5 | 3.0 | 2.75 |
| 62 | 99 | Ajman Bank | UAE | 1.0 | 5.0 | 5.0 | 0.0 | 4.0 | 3.0 | 2.0 | 4.0 | 4.5 | 4.0 | 2.5 | 3.5 | 2.75 |
| 65 | 155 | Societe Generale | Jordan | 0.0 | 4.5 | 3.5 | 4.5 | 5.0 | 0.0 | 1.5 | 3.5 | 2.5 | 3.5 | 3.5 | 3.0 | 2.74 |
| 66 | 86 | Bank Sohar | Oman | 1.0 | 3.5 | 3.5 | 0.0 | 4.5 | 1.0 | 2.5 | 3.5 | 3.5 | 4.0 | 3.5 | 4.0 | 2.70 |
| 66 | 98 | Oman Arab Bank | Oman | 1.0 | 2.5 | 3.0 | 1.5 | 4.0 | 2.0 | 4.0 | 2.5 | 3.0 | 4.0 | 3.0 | 3.0 | 2.70 |
| 68 | 137 | Capital Bank of Jordan | Jordan | 0.0 | 1.0 | 1.5 | 3.0 | 4.0 | 4.5 | 4.0 | 4.0 | 4.5 | 3.0 | 1.5 | 4.0 | 2.69 |
| 69 | 90 | Kuwait International Bank | Kuwait | 1.0 | 2.0 | 3.5 | 0.0 | 5.0 | 0.0 | 2.5 | 3.0 | 2.5 | 5.0 | 3.0 | 4.0 | 2.61 |
| 70 | 46 | Fransabank | Lebanon | 2.5 | 1.5 | 1.0 | 5.0 | 4.0 | 0.0 | 2.0 | 3.0 | 2.5 | 1.5 | 2.0 | 4.0 | 2.60 |
| 71 | 114 | Al Salam Bank | Bahrain | 0.5 | 3.5 | 0.5 | 3.5 | 5.0 | 0.5 | 3.5 | 4.5 | 3.5 | 2.5 | 1.0 | 4.0 | 2.56 |
| 71 | 117 | Cairo Amman Bank | Jordan | 0.5 | 4.5 | 4.5 | 2.0 | 4.0 | 0.0 | 3.5 | 2.0 | 3.0 | 4.0 | 2.5 | 4.0 | 2.56 |
| 73 | 92 | HSBC Bank | Oman | 1.0 | 1.0 | 2.5 | 3.5 | 4.5 | 0.5 | 2.0 | 2.0 | 3.0 | 3.0 | 2.5 | 5.0 | 2.55 |
| 73 | 157 | Banque Bemo | Lebanon | 0.0 | 3.5 | 0.5 | 5.0 | 4.5 | 1.0 | 3.0 | 2.5 | 4.5 | 1.0 | 3.0 | 4.0 | 2.55 |
| 75 | 119 | NBQ | UAE | 0.5 | 3.5 | 3.0 | 1.0 | 5.0 | 0.5 | 5.0 | 5.0 | 2.5 | 2.0 | 2.0 | 4.0 | 2.51 |
| 76 | 82 | National Bank of Oman | Oman | 1.0 | 1.5 | 2.0 | 0.0 | 4.5 | 0.0 | 4.0 | 3.5 | 3.0 | 4.0 | 2.5 | 3.5 | 2.49 |
| 76 | 156 | Bank Nizwa | Oman | 0.0 | 5.0 | 5.0 | 2.0 | 4.5 | 5.0 | 1.5 | 1.0 | 5.0 | 0.0 | 5.0 | 3.0 | 2.49 |
| 78 | 116 | Jordan Kuwait Bank | Jordan | 0.5 | 3.5 | 3.0 | 2.0 | 5.0 | 0.0 | 2.5 | 3.5 | 2.5 | 3.0 | 2.5 | 4.0 | 2.48 |
| 78 | 140 | AJIB | Jordan | 0.0 | 2.0 | 1.0 | 3.5 | 4.0 | 0.0 | 2.5 | 3.0 | 2.5 | 3.5 | 3.5 | 3.5 | 2.48 |
| 80 | 124 | Kuwait Finance House | Bahrain | 0.5 | 4.5 | 3.0 | 0.0 | 5.0 | 5.0 | 4.5 | 2.0 | 5.0 | 2.0 | 1.5 | 2.0 | 2.43 |
| 80 | 162 | Alizz Islamic Bank | Oman | 0.0 | 5.0 | 5.0 | 1.0 | 4.5 | 0.0 | 0.0 | 0.0 | 3.0 | 5.0 | 5.0 | 3.0 | 2.43 |
| 82 | 53 | BankMed | Lebanon | 2.0 | 0.5 | 3.5 | 5.0 | 4.0 | 0.0 | 1.5 | 0.0 | 2.5 | 3.5 | 1.0 | 4.0 | 2.41 |
| 83 | 161 | InvestBank | Jordan | 0.0 | 5.0 | 4.0 | 1.0 | 4.0 | 0.0 | 4.5 | 2.5 | 3.5 | 3.5 | 2.0 | 4.0 | 2.40 |
| 84 | 57 | Commercial Bank of Kuwait | Kuwait | 1.5 | 1.5 | 1.5 | 0.5 | 5.0 | 0.0 | 4.0 | 0.5 | 4.0 | 0.0 | 4.5 | 5.0 | 2.34 |
| 85 | 64 | Al Hilal Bank | UAE | 1.5 | 1.0 | 2.5 | 1.5 | 4.5 | 2.0 | 1.0 | 2.5 | 2.5 | 3.5 | 1.5 | 3.5 | 2.30 |
| 85 | 111 | Invest Bank | UAE | 0.5 | 2.5 | 4.5 | 1.5 | 4.0 | 1.0 | 0.0 | 5.0 | 3.5 | 4.0 | 1.0 | 3.5 | 2.30 |
| 87 | 163 | Safwa Islamic Bank | Jordan | 0.0 | 4.0 | 2.0 | 2.0 | 5.0 | 0.0 | 1.5 | 1.0 | 1.5 | 4.0 | 3.5 | 3.5 | 2.26 |
| 88 | 128 | Bahrain Islamic Bank | Bahrain | 0.5 | 4.0 | 4.5 | 2.5 | 5.0 | 0.0 | 2.0 | 2.0 | 2.5 | 2.5 | 2.0 | 3.0 | 2.25 |
| 89 | 188 | Future Bank | Bahrain | 0.0 | 0.5 | 0.5 | 1.0 | 5.0 | 0.0 | 5.0 | 4.0 | 2.0 | 4.0 | 0.0 | 5.0 | 2.20 |
| 90 | 142 | Saradar Bank | Lebanon | 0.0 | 5.0 | 5.0 | 5.0 | 3.5 | 0.0 | 1.0 | 0.0 | 5.0 | 1.5 | 2.0 | 4.0 | 2.19 |
| 91 | 60 | Banque Libano-Francaise | Lebanon | 1.5 | 2.5 | 2.5 | 5.0 | 0.0 | 4.5 | 2.5 | 4.0 | 4.0 | 0.0 | 0.0 | 5.0 | 2.15 |
| 91 | 96 | United Arab Bank | UAE | 1.0 | 1.0 | 1.0 | 2.0 | 3.5 | 0.0 | 0.5 | 3.0 | 3.0 | 4.0 | 1.5 | 4.0 | 2.15 |
| 93 | 95 | Commercial Bank International | UAE | 1.0 | 1.0 | 1.5 | 1.5 | 4.0 | 1.0 | 2.0 | 3.0 | 4.0 | 2.0 | 1.5 | 3.0 | 2.10 |
| 94 | 107 | First National Bank | Lebanon | 0.5 | 3.0 | 4.0 | 5.0 | 3.5 | 0.0 | 2.0 | 2.5 | 4.0 | 0.0 | 0.0 | 5.0 | 2.00 |
| 95 | 118 | Jordan Ahli Bank | Jordan | 0.5 | 2.0 | 0.5 | 3.0 | 4.0 | 0.5 | 1.0 | 1.0 | 3.0 | 3.0 | 1.5 | 3.5 | 1.99 |
| 96 | 153 | Jordan Commercial Bank | Jordan | 0.0 | 4.0 | 2.0 | 3.5 | 3.5 | 0.0 | 0.5 | 1.5 | 2.5 | 2.0 | 1.5 | 3.0 | 1.78 |
| 97 | 184 | United Gulf Bank | Bahrain | 0.0 | 0.5 | 0.5 | 5.0 | 5.0 | 5.0 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 | 5.0 | 1.56 |
| 98 | 150 | Khaleeji Commercial Bank | Bahrain | 0.0 | 1.5 | 0.5 | 3.5 | 4.5 | 0.0 | 0.5 | 2.0 | 2.5 | 0.5 | 0.0 | 4.0 | 1.49 |
| 99 | 158 | Fenicia Bank | Lebanon | 0.0 | 3.5 | 2.5 | 5.0 | 0.0 | 0.0 | 1.5 | 3.5 | 3.0 | 0.0 | 0.0 | 4.0 | 1.45 |
| 100 | 83 | Ithmaar Holding | Bahrain | 1.0 | 4.5 | 3.0 | 2.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.0 | 0.0 | 0.0 | 3.0 | 1.01 |
Notes:
(1) 5 = Highest, 0 = Lowest.
(2) LDR = loan to deposit ratio. CAR = capital adequacy ratio. Profit = operating profit. ROA = return on assets. Costs = cost to income ratio. Fees = non-interest income to total operating income. Reserves = loan loss reserves to gross non-performing loans. NPLs = gross non-performing loan ratio. Liquidity = Liquid assets to total deposits and borrowings
Source: TABInsights
© Copyright , TABInsights. All Rights Reserved
Google 
LinkedIn
