Thursday, 18 April 2024
The Strongest Banks Rankings
In this year’s The Asian Banker Strongest Banks By Balance Sheet evaluation, National Bank of Egypt has emerged as the strongest bank in Africa. This is based on a detailed and transparent scorecard that ranks banks on six areas of balance sheet financial performance, namely the ability to scale, balance sheet growth, risk profile, profitability, asset quality and liquidity. National Bank of Egypt registered strong balance sheet growth and demonstrated good asset quality and a strong liquidity position.
The top 10 strongest banks in Africa comprise three Nigerian banks, three South African banks and two each from Egypt and Mauritius. The weighted average strength score of African banks on the list declined to 3 from 3.13 in last year’s evaluation, while Egyptian and South African banks continued to outperform.
The profitability of African banks on the list weakened in 2020, with average return on assets (ROA) down from 1.74% in 2019 to 1.07% and average cost-to-income ratio up to 51.7% from 50%. South African banks had the biggest fall in average ROA, from 1.71% to 0.74%, and Kenyan banks also witnessed a significant drop in average ROA from 2.8% to 1.85%. Banks in Morocco recorded the lowest average ROA at 0.45%, while Ghanaian and Nigerian banks reported the highest, at 3.34% and 1.96% respectively.
Egyptian banks demonstrated the strongest asset quality with a 3.5% average gross non-performing loan (NPL) ratio in 2020, lower than the average for all African banks on the list at 5.9%. Kenyan banks saw average gross NPL ratio weaken from 10.1% to 12.6%, the worst in the region. In addition, the average LLRs to gross NPLs ratio of Egyptian banks reached 259%, much higher than 68.6% for South African banks and 72.4% for Kenyan banks. The average gross NPL ratio of Ghanaian banks remained high at 10.9%, albeit seeing some improvement in 2020.
African banks performed strongly in terms of liquidity, with average liquid assets to total deposits and borrowings ratio up from 41.7% to 46.2%. Banks in Egypt maintained the highest liquid assets to total deposits and borrowings ratio at 59.4%, followed by Nigeria with 57.9% and Mauritius with 50.1%. Meanwhile, African banks maintained sufficient capital buffers as most banking sectors experienced an improvement in the level of capitalisation.
For a full explanation of the evaluation criteria please click here.
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| Strength Rank 2021 | MEA 200 Rank 2021 | Bank | Country | Assets | YoY Growth in Loans | YoY Growth in Deposits | Loan to Deposit Ratio | Capital Adequacy Ratio | YoY Growth in Operating Profit | Return on Asset | Cost to Income Ratio | Non-interest Income/Total Operating Income | Loan Loss Reserves / Gross NPLs | Gross Non-Performing Loan Ratio | Liquid Assets / Total Deposits and Borrowings | Aggregate Strength Score 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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%) | |||||
| 1 | 6 | National Bank of Egypt | Egypt | 5.0 | 4.5 | 4.5 | 5.0 | 2.3 | 0.0 | 2.0 | 4.5 | 2.0 | 5.0 | 4.0 | 5.0 | 3.77 |
| 2 | 40 | Commercial International Bank | Egypt | 3.0 | 1.5 | 2.5 | 5.0 | 5.0 | 1.5 | 5.0 | 5.0 | 0.5 | 5.0 | 2.5 | 5.0 | 3.68 |
| 3 | 49 | Zenith Bank | Nigeria | 2.5 | 4.5 | 4.0 | 5.0 | 2.5 | 1.5 | 5.0 | 3.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.61 |
| 4 | 67 | Mauritius Commercial Bank | Mauritius | 1.5 | 2.5 | 3.5 | 4.5 | 4.5 | 1.5 | 5.0 | 5.0 | 3.5 | 5.0 | 2.5 | 4.5 | 3.56 |
| 5 | 48 | Access Bank | Nigeria | 2.5 | 3.5 | 4.5 | 5.0 | 2.5 | 5.0 | 4.0 | 1.5 | 5.0 | 4.5 | 2.5 | 4.5 | 3.46 |
| 6 | 9 | FirstRand | South Africa | 4.5 | 2.5 | 2.0 | 3.5 | 4.0 | 0.0 | 3.0 | 3.0 | 4.0 | 4.0 | 2.0 | 4.5 | 3.39 |
| 7 | 50 | United Bank for Africa | Nigeria | 2.5 | 4.5 | 5.0 | 5.0 | 2.5 | 2.5 | 5.0 | 2.0 | 4.0 | 4.0 | 2.5 | 5.0 | 3.38 |
| 8 | 73 | Capitec Bank Holdings | South Africa | 1.5 | 0.5 | 3.5 | 5.0 | 5.0 | 1.0 | 5.0 | 4.0 | 5.0 | 5.0 | 0.0 | 5.0 | 3.34 |
| 9 | 4 | Standard Bank Group | South Africa | 5.0 | 2.0 | 3.0 | 3.5 | 4.0 | 0.0 | 2.0 | 1.5 | 5.0 | 3.0 | 2.0 | 5.0 | 3.28 |
| 9 | 134 | HSBC Bank (Mauritius) | Mauritius | 0.5 | 0.5 | 3.0 | 5.0 | 5.0 | 0.0 | 1.5 | 4.0 | 2.5 | 5.0 | 5.0 | 5.0 | 3.28 |
| 11 | 189 | Guaranty Trust Bank (Ghana) | Ghana | 0.0 | 5.0 | 5.0 | 5.0 | 2.5 | 3.0 | 5.0 | 5.0 | 5.0 | 2.0 | 4.5 | 4.5 | 3.25 |
| 12 | 178 | Citibank Kenya | Kenya | 0.0 | 5.0 | 4.0 | 5.0 | 2.5 | 0.0 | 5.0 | 4.0 | 4.5 | 5.0 | 3.5 | 5.0 | 3.24 |
| 13 | 65 | Guaranty Trust Holding Company | Nigeria | 1.5 | 3.5 | 5.0 | 5.0 | 2.5 | 1.0 | 5.0 | 4.5 | 4.0 | 3.5 | 2.0 | 5.0 | 3.16 |
| 13 | 168 | Zenith Bank (Ghana) | Ghana | 0.0 | 5.0 | 4.5 | 5.0 | 5.0 | 4.0 | 5.0 | 5.0 | 2.5 | 2.5 | 2.0 | 4.5 | 3.16 |
| 15 | 94 | Stanbic IBTC Holdings | Nigeria | 1.0 | 4.0 | 4.5 | 3.0 | 2.5 | 1.5 | 5.0 | 3.5 | 4.0 | 5.0 | 2.5 | 5.0 | 3.13 |
| 16 | 144 | Al Ahli Bank of Kuwait - Egypt | Egypt | 0.0 | 3.0 | 3.5 | 4.5 | 2.3 | 5.0 | 5.0 | 4.5 | 1.5 | 5.0 | 3.0 | 5.0 | 3.11 |
| 17 | 107 | Al Baraka Bank Egypt | Egypt | 0.5 | 4.0 | 1.0 | 5.0 | 2.5 | 4.0 | 5.0 | 5.0 | 2.0 | 5.0 | 2.0 | 4.5 | 3.10 |
| 18 | 54 | QNB ALAHLI | Egypt | 2.0 | 2.5 | 2.5 | 3.5 | 2.5 | 1.0 | 5.0 | 5.0 | 1.5 | 5.0 | 3.0 | 2.0 | 3.06 |
| 18 | 103 | Bank Audi Egypt | Egypt | 1.0 | 4.0 | 3.0 | 5.0 | 2.5 | 2.0 | 5.0 | 5.0 | 1.5 | 4.5 | 2.0 | 5.0 | 3.06 |
| 18 | 122 | Standard Chartered Bank Nigeria | Nigeria | 0.5 | 1.5 | 4.5 | 5.0 | 2.5 | 0.0 | 5.0 | 1.0 | 5.0 | 5.0 | 3.5 | 5.0 | 3.06 |
| 21 | 160 | Consolidated Bank (Ghana) | Ghana | 0.0 | 5.0 | 4.5 | 5.0 | 5.0 | 4.0 | 1.0 | 0.5 | 2.0 | 5.0 | 5.0 | 1.5 | 3.03 |
| 22 | 198 | Rand Merchant Bank Nigeria | Nigeria | 0.0 | 3.0 | 3.0 | 0.0 | 2.5 | 0.0 | 5.0 | 4.5 | 4.5 | 5.0 | 5.0 | 5.0 | 3.01 |
| 23 | 18 | Attijariwafa Bank | Morocco | 4.5 | 2.0 | 1.5 | 1.5 | 3.5 | 0.0 | 1.5 | 3.0 | 3.5 | 4.5 | 1.5 | 4.5 | 3.00 |
| 23 | 119 | National Bank of Kuwait - Egypt | Egypt | 0.5 | 3.0 | 0.5 | 4.0 | 2.5 | 0.0 | 5.0 | 5.0 | 2.0 | 5.0 | 3.5 | 5.0 | 3.00 |
| 25 | 132 | Credit Agricole - Egypt Bank | Egypt | 0.5 | 3.0 | 1.0 | 4.5 | 2.5 | 0.0 | 5.0 | 4.5 | 2.5 | 5.0 | 3.0 | 5.0 | 2.99 |
| 26 | 79 | Equity Group | Kenya | 1.0 | 4.5 | 5.0 | 4.5 | 2.5 | 3.5 | 5.0 | 3.5 | 3.0 | 4.0 | 1.0 | 5.0 | 2.98 |
| 26 | 117 | AfrAsia Bank | Mauritius | 0.5 | 2.5 | 3.0 | 5.0 | 4.0 | 0.5 | 3.0 | 5.0 | 5.0 | 4.0 | 1.0 | 5.0 | 2.98 |
| 26 | 120 | Housing and Development Bank | Egypt | 0.5 | 3.5 | 3.0 | 5.0 | 2.5 | 0.0 | 5.0 | 4.5 | 3.5 | 5.0 | 1.5 | 5.0 | 2.98 |
| 29 | 10 | Absa Group | South Africa | 4.5 | 2.0 | 3.0 | 1.0 | 4.0 | 1.0 | 1.0 | 2.0 | 4.5 | 3.0 | 2.0 | 4.5 | 2.95 |
| 29 | 15 | Banque Misr | Egypt | 4.5 | 4.5 | 4.0 | 5.0 | 2.5 | 4.5 | 3.0 | 5.0 | 2.5 | 0.0 | 0.0 | 5.0 | 2.95 |
| 29 | 89 | SBM Holdings | Mauritius | 1.0 | 3.0 | 2.5 | 5.0 | 5.0 | 4.5 | 1.0 | 3.0 | 4.0 | 4.0 | 0.5 | 5.0 | 2.95 |
| 32 | 109 | Abu Dhabi Islamic Bank - Egypt | Egypt | 0.5 | 4.5 | 4.0 | 4.5 | 1.8 | 0.0 | 5.0 | 4.5 | 1.5 | 5.0 | 3.5 | 4.0 | 2.94 |
| 33 | 104 | FCMB Group | Nigeria | 1.0 | 4.0 | 4.5 | 4.0 | 2.0 | 3.5 | 3.0 | 1.5 | 3.0 | 5.0 | 3.0 | 5.0 | 2.93 |
| 34 | 194 | Jaiz Bank | Nigeria | 0.0 | 5.0 | 4.5 | 5.0 | 5.0 | 5.0 | 4.5 | 2.0 | 4.5 | 2.5 | 0.5 | 4.5 | 2.91 |
| 35 | 30 | Investec | South Africa | 4.0 | 1.5 | 0.5 | 3.0 | 4.0 | 0.0 | 1.5 | 2.5 | 4.5 | 1.5 | 3.0 | 4.5 | 2.90 |
| 35 | 90 | Fidelity Bank | Nigeria | 1.0 | 4.0 | 5.0 | 3.0 | 2.5 | 5.0 | 3.5 | 1.5 | 2.0 | 5.0 | 2.5 | 5.0 | 2.90 |
| 35 | 169 | Standard Chartered Bank Ghana | Ghana | 0.0 | 1.0 | 1.5 | 5.0 | 5.0 | 4.5 | 5.0 | 5.0 | 4.0 | 2.5 | 0.0 | 5.0 | 2.90 |
| 38 | 21 | Banque Centrale Populaire | Morocco | 4.0 | 1.5 | 1.5 | 3.0 | 3.5 | 0.0 | 0.5 | 2.5 | 4.0 | 4.5 | 1.0 | 4.5 | 2.88 |
| 38 | 96 | Bank of Alexandria | Egypt | 1.0 | 3.5 | 0.5 | 5.0 | 2.5 | 0.0 | 5.0 | 4.0 | 1.0 | 5.0 | 2.5 | 4.5 | 2.88 |
| 40 | 12 | Nedbank Group | South Africa | 4.5 | 1.5 | 1.5 | 2.0 | 4.0 | 0.0 | 1.0 | 2.0 | 4.5 | 2.5 | 2.0 | 4.5 | 2.86 |
| 40 | 112 | Egyptian Gulf Bank | Egypt | 0.5 | 1.0 | 1.5 | 5.0 | 2.5 | 2.0 | 2.0 | 3.5 | 1.0 | 5.0 | 4.5 | 5.0 | 2.86 |
| 40 | 199 | ABC Banking Corporation | Mauritius | 0.0 | 4.5 | 2.0 | 5.0 | 4.5 | 3.5 | 1.5 | 4.0 | 3.5 | 3.5 | 2.0 | 4.5 | 2.86 |
| 43 | 192 | Bidvest Bank | South Africa | 0.0 | 2.0 | 2.5 | 5.0 | 5.0 | 0.0 | 2.5 | 0.0 | 1.5 | 5.0 | 4.5 | 5.0 | 2.85 |
| 44 | 196 | First Atlantic Bank | Ghana | 0.0 | 5.0 | 4.5 | 5.0 | 5.0 | 4.5 | 5.0 | 2.5 | 4.0 | 1.5 | 0.5 | 5.0 | 2.83 |
| 45 | 101 | Union Bank of Nigeria | Nigeria | 1.0 | 4.5 | 4.0 | 4.5 | 2.3 | 3.5 | 2.0 | 0.0 | 4.0 | 5.0 | 2.5 | 5.0 | 2.82 |
| 46 | 138 | Stanbic Holdings | Kenya | 0.5 | 2.0 | 2.5 | 3.5 | 5.0 | 0.5 | 5.0 | 3.0 | 4.5 | 3.5 | 0.5 | 5.0 | 2.80 |
| 47 | 141 | Ecobank Ghana | Ghana | 0.0 | 0.5 | 3.5 | 5.0 | 2.5 | 1.5 | 5.0 | 3.5 | 3.0 | 4.5 | 2.0 | 5.0 | 2.79 |
| 48 | 88 | HSBC Bank Egypt | Egypt | 1.0 | 3.0 | 2.0 | 5.0 | 2.5 | 0.0 | 5.0 | 5.0 | 2.0 | 3.5 | 1.5 | 5.0 | 2.76 |
| 49 | 127 | Absa Bank (Mauritius) | Mauritius | 0.5 | 0.5 | 1.0 | 5.0 | 5.0 | 0.0 | 1.5 | 2.0 | 2.0 | 4.5 | 3.0 | 5.0 | 2.73 |
| 49 | 150 | Stanbic Bank Ghana | Ghana | 0.0 | 3.5 | 5.0 | 5.0 | 2.5 | 1.5 | 5.0 | 3.0 | 4.5 | 2.5 | 2.0 | 5.0 | 2.73 |
| 51 | 51 | FBN Holdings | Nigeria | 2.5 | 4.0 | 3.5 | 5.0 | 2.3 | 1.0 | 4.0 | 1.5 | 4.5 | 1.5 | 1.5 | 5.0 | 2.71 |
| 52 | 131 | Sterling Bank | Nigeria | 0.5 | 1.0 | 1.5 | 4.5 | 2.5 | 3.0 | 2.0 | 0.5 | 3.0 | 5.0 | 3.5 | 5.0 | 2.68 |
| 52 | 152 | Absa Bank Ghana | Ghana | 0.0 | 3.0 | 4.0 | 4.0 | 2.5 | 1.5 | 5.0 | 4.0 | 3.5 | 3.0 | 2.0 | 5.0 | 2.68 |
| 54 | 29 | Bank of Africa | Morocco | 4.0 | 2.0 | 1.0 | 1.5 | 3.5 | 0.0 | 1.0 | 2.0 | 3.0 | 4.0 | 1.5 | 4.0 | 2.66 |
| 54 | 126 | The United Bank | Egypt | 0.5 | 3.5 | 1.5 | 5.0 | 2.5 | 0.0 | 5.0 | 4.0 | 2.0 | 4.0 | 1.5 | 5.0 | 2.66 |
| 56 | 143 | GCB Bank | Ghana | 0.0 | 1.5 | 3.5 | 5.0 | 2.5 | 3.0 | 5.0 | 2.5 | 2.5 | 5.0 | 1.5 | 2.5 | 2.65 |
| 57 | 185 | MauBank | Mauritius | 0.0 | 2.0 | 3.0 | 5.0 | 4.0 | 5.0 | 1.0 | 0.0 | 5.0 | 3.0 | 2.5 | 5.0 | 2.64 |
| 58 | 180 | Societe Generale Ghana | Ghana | 0.0 | 1.0 | 2.0 | 3.5 | 2.3 | 1.0 | 5.0 | 3.0 | 3.0 | 5.0 | 2.0 | 5.0 | 2.62 |
| 59 | 162 | Investec Bank (Mauritius) | Mauritius | 0.0 | 1.5 | 1.0 | 2.0 | 5.0 | 0.0 | 4.0 | 5.0 | 2.0 | 2.0 | 3.5 | 5.0 | 2.60 |
| 60 | 158 | Standard Bank (Mauritius) | Mauritius | 0.0 | 0.5 | 4.0 | 5.0 | 5.0 | 0.0 | 1.0 | 3.5 | 3.5 | 4.0 | 1.0 | 5.0 | 2.59 |
| 61 | 130 | Suez Canal Bank | Egypt | 0.5 | 4.0 | 1.0 | 5.0 | 1.8 | 1.0 | 3.5 | 4.0 | 3.0 | 4.5 | 1.0 | 5.0 | 2.58 |
| 62 | 106 | NCBA Group | Kenya | 0.5 | 1.5 | 2.0 | 5.0 | 2.3 | 4.5 | 2.0 | 3.5 | 2.5 | 4.5 | 1.0 | 4.5 | 2.57 |
| 63 | 179 | SBI (Mauritius) | Mauritius | 0.0 | 1.0 | 3.0 | 3.0 | 5.0 | 0.0 | 1.5 | 4.5 | 3.0 | 4.0 | 1.5 | 5.0 | 2.56 |
| 64 | 133 | I&M Holdings | Kenya | 0.5 | 2.5 | 3.0 | 3.5 | 2.5 | 0.0 | 5.0 | 4.0 | 3.5 | 3.0 | 1.5 | 4.5 | 2.53 |
| 65 | 113 | Societe Arabe Internationale de Banque | Egypt | 0.5 | 3.5 | 0.5 | 5.0 | 2.3 | 3.0 | 1.0 | 2.0 | 2.0 | 4.5 | 2.5 | 5.0 | 2.49 |
| 66 | 81 | KCB Group | Kenya | 1.0 | 3.5 | 2.0 | 3.0 | 2.5 | 2.0 | 5.0 | 4.0 | 3.0 | 3.0 | 0.5 | 3.5 | 2.46 |
| 67 | 151 | Abu Dhabi Commercial Bank - Egypt | Egypt | 0.0 | 4.5 | 2.5 | 5.0 | 2.3 | 0.0 | 4.5 | 4.0 | 2.0 | 2.5 | 2.0 | 5.0 | 2.43 |
| 68 | 167 | Bank One | Mauritius | 0.0 | 0.0 | 0.5 | 5.0 | 5.0 | 0.0 | 0.0 | 2.5 | 3.0 | 4.5 | 1.5 | 5.0 | 2.43 |
| 69 | 172 | Al Salam Bank-Algeria | Algeria | 0.0 | 2.5 | 4.5 | 1.5 | 0.0 | 0.0 | 5.0 | 4.5 | 2.0 | 5.0 | 3.0 | 5.0 | 2.40 |
| 70 | 128 | Ahli United Bank (Egypt) | Egypt | 0.5 | 3.5 | 0.0 | 4.5 | 2.5 | 0.0 | 5.0 | 0.0 | 0.0 | 5.0 | 2.5 | 5.0 | 2.39 |
| 71 | 191 | United Bank for Africa (Ghana) | Ghana | 0.0 | 4.0 | 3.5 | 5.0 | 2.5 | 0.0 | 5.0 | 5.0 | 2.5 | 2.5 | 0.0 | 5.0 | 2.38 |
| 71 | 200 | HBZ Bank | South Africa | 0.0 | 2.5 | 0.5 | 5.0 | 4.0 | 0.0 | 4.0 | 2.5 | 2.0 | 2.0 | 2.5 | 4.5 | 2.38 |
| 73 | 166 | Bank of Baroda (Kenya) | Kenya | 0.0 | 2.0 | 3.0 | 5.0 | 2.5 | 1.5 | 5.0 | 5.0 | 0.5 | 2.5 | 1.0 | 5.0 | 2.36 |
| 74 | 171 | Unity Bank | Nigeria | 0.0 | 5.0 | 5.0 | 5.0 | 0.0 | 0.0 | 1.5 | 0.0 | 2.0 | 5.0 | 5.0 | 4.0 | 2.34 |
| 75 | 129 | Absa Bank Kenya | Kenya | 0.5 | 2.5 | 1.5 | 2.5 | 2.3 | 0.0 | 3.0 | 2.5 | 3.5 | 4.5 | 1.5 | 5.0 | 2.33 |
| 76 | 175 | Access Bank (Ghana) | Ghana | 0.0 | 0.5 | 4.5 | 5.0 | 2.5 | 5.0 | 5.0 | 4.5 | 4.0 | 0.0 | 0.0 | 5.0 | 2.33 |
| 76 | 188 | SBM Bank (Kenya) | Kenya | 0.0 | 5.0 | 2.0 | 5.0 | 4.5 | 5.0 | 2.0 | 0.0 | 2.5 | 3.0 | 0.0 | 5.0 | 2.33 |
| 78 | 62 | Arab African International Bank | Egypt | 1.5 | 1.0 | 2.0 | 5.0 | 2.5 | 0.0 | 1.5 | 4.5 | 2.0 | 3.0 | 0.5 | 5.0 | 2.31 |
| 78 | 139 | Standard Chartered Bank Kenya | Kenya | 0.0 | 1.0 | 2.5 | 5.0 | 2.5 | 0.0 | 5.0 | 2.5 | 3.0 | 3.0 | 1.0 | 5.0 | 2.31 |
| 78 | 170 | CalBank | Ghana | 0.0 | 0.0 | 2.5 | 5.0 | 2.5 | 1.5 | 5.0 | 3.5 | 2.5 | 3.0 | 0.5 | 4.5 | 2.31 |
| 81 | 174 | Prime Bank | Kenya | 0.0 | 1.0 | 2.0 | 5.0 | 2.5 | 1.5 | 5.0 | 3.0 | 3.5 | 2.0 | 1.0 | 4.5 | 2.30 |
| 82 | 145 | Wema Bank | Nigeria | 0.0 | 4.5 | 5.0 | 5.0 | 2.0 | 0.0 | 1.5 | 0.5 | 4.0 | 3.5 | 2.0 | 5.0 | 2.25 |
| 83 | 187 | Arab Banking Corporation - Egypt | Egypt | 0.0 | 4.0 | 0.5 | 5.0 | 2.5 | 0.0 | 1.5 | 1.5 | 2.0 | 4.5 | 2.0 | 5.0 | 2.24 |
| 84 | 176 | CFG Bank | Morocco | 0.0 | 5.0 | 4.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 | 4.5 | 5.0 | 4.5 | 4.0 | 2.20 |
| 85 | 177 | Agricultural Development Bank | Ghana | 0.0 | 4.5 | 4.0 | 5.0 | 2.0 | 5.0 | 4.0 | 0.5 | 2.5 | 3.0 | 0.0 | 4.0 | 2.19 |
| 86 | 182 | Family Bank | Kenya | 0.0 | 3.5 | 3.5 | 2.5 | 2.5 | 4.0 | 4.0 | 2.0 | 3.0 | 2.5 | 0.5 | 3.5 | 2.10 |
| 87 | 164 | Fidelity Bank Ghana | Ghana | 0.0 | 1.5 | 4.0 | 5.0 | 2.5 | 1.5 | 5.0 | 3.0 | 2.0 | 0.5 | 1.0 | 5.0 | 2.09 |
| 88 | 102 | Ecobank Nigeria | Nigeria | 1.0 | 3.0 | 1.0 | 4.5 | 2.5 | 5.0 | 1.0 | 0.0 | 3.5 | 2.5 | 0.0 | 5.0 | 2.08 |
| 89 | 105 | Co-operative Bank of Kenya | Kenya | 0.5 | 2.5 | 2.5 | 3.0 | 2.3 | 0.0 | 5.0 | 2.5 | 3.5 | 2.5 | 0.0 | 4.0 | 2.06 |
| 90 | 87 | Faisal Islamic Bank of Egypt | Egypt | 1.0 | 2.0 | 2.5 | 5.0 | 2.5 | 1.5 | 5.0 | 4.0 | 0.5 | 0.0 | 0.0 | 5.0 | 2.01 |
| 91 | 136 | Polaris Bank | Nigeria | 0.5 | 3.0 | 1.5 | 5.0 | 2.3 | 0.0 | 5.0 | 1.5 | 1.0 | 3.0 | 0.0 | 3.0 | 1.94 |
| 92 | 190 | Prudential Bank | Ghana | 0.0 | 2.5 | 3.5 | 4.0 | 2.5 | 5.0 | 2.5 | 2.0 | 3.0 | 1.5 | 0.0 | 3.5 | 1.94 |
| 93 | 121 | Diamond Trust Bank Kenya | Kenya | 0.5 | 2.5 | 1.5 | 4.0 | 2.5 | 0.0 | 2.0 | 3.0 | 2.5 | 2.5 | 1.0 | 2.5 | 1.93 |
| 94 | 161 | African Bank Holdings | South Africa | 0.0 | 0.5 | 5.0 | 0.0 | 5.0 | 0.0 | 0.0 | 3.5 | 2.0 | 4.0 | 0.0 | 4.5 | 1.90 |
| 95 | 74 | CIH Bank | Morocco | 1.5 | 4.0 | 3.5 | 0.0 | 2.0 | 1.5 | 0.5 | 2.0 | 3.5 | 2.5 | 1.5 | 3.0 | 1.88 |
| 95 | 95 | Crdit du Maroc | Morocco | 1.0 | 1.5 | 1.0 | 1.0 | 2.0 | 0.0 | 1.0 | 2.5 | 2.5 | 4.0 | 1.5 | 3.5 | 1.88 |
| 97 | 197 | Universal Merchant Bank | Ghana | 0.0 | 5.0 | 4.0 | 5.0 | 2.3 | 5.0 | 2.0 | 0.5 | 3.5 | 0.0 | 0.5 | 4.5 | 1.87 |
| 98 | 184 | Grindrod Bank | South Africa | 0.0 | 3.0 | 0.0 | 2.5 | 4.0 | 5.0 | 1.5 | 2.5 | 4.5 | 0.5 | 0.5 | 1.5 | 1.85 |
| 99 | 85 | Banque Marocaine pour le Commerce et l'Industrie | Morocco | 1.0 | 1.0 | 0.5 | 0.0 | 4.0 | 0.0 | 0.5 | 2.5 | 2.5 | 4.0 | 0.5 | 3.0 | 1.84 |
| 99 | 156 | Banque Al Baraka D'Algerie | Algeria | 0.0 | 1.0 | 1.5 | 2.5 | 0.0 | 0.0 | 4.5 | 5.0 | 2.5 | 2.0 | 1.5 | 5.0 | 1.84 |
| 101 | 114 | Emirates NBD Egypt | Egypt | 0.5 | 4.0 | 2.0 | 3.0 | 2.5 | 0.0 | 5.0 | 4.0 | 2.0 | 0.0 | 0.0 | 4.5 | 1.83 |
| 101 | 195 | Albaraka Bank | South Africa | 0.0 | 1.0 | 3.5 | 4.0 | 4.5 | 0.0 | 1.0 | 0.5 | 1.5 | 0.5 | 2.5 | 5.0 | 1.83 |
| 103 | 140 | BLOM Bank Egypt | Egypt | 0.0 | 1.5 | 0.5 | 5.0 | 2.5 | 0.0 | 5.0 | 5.0 | 1.0 | 0.0 | 0.0 | 5.0 | 1.81 |
| 104 | 183 | Sasfin Holdings | South Africa | 0.0 | 0.5 | 1.0 | 0.0 | 4.5 | 0.0 | 0.0 | 0.0 | 4.5 | 3.5 | 1.5 | 4.5 | 1.79 |
| 105 | 193 | BCP Bank (Mauritius) | Mauritius | 0.0 | 0.5 | 0.5 | 2.0 | 3.5 | 0.0 | 0.0 | 0.0 | 3.5 | 3.5 | 1.5 | 5.0 | 1.75 |
| 106 | 66 | Societe Generale Marocaine de Banques | Morocco | 1.5 | 2.0 | 1.0 | 0.0 | 0.0 | 0.0 | 2.0 | 3.0 | 3.0 | 4.0 | 0.5 | 2.0 | 1.60 |
| 107 | 153 | BNP Paribas El Djazair | Algeria | 0.0 | 0.5 | 1.0 | 3.5 | 2.0 | 0.0 | 3.0 | 3.5 | 2.5 | 0.0 | 0.0 | 5.0 | 1.48 |
| 108 | 43 | Banque Nationale D'Algerie | Algeria | 3.0 | 2.0 | 0.5 | 0.0 | 0.0 | 0.0 | 1.5 | 5.0 | 1.0 | 0.0 | 0.0 | 5.0 | 1.40 |
| 109 | 155 | Gulf Bank Algeria | Algeria | 0.0 | 3.0 | 2.0 | 2.5 | 0.0 | 0.0 | 5.0 | 4.0 | 2.0 | 0.0 | 0.0 | 4.5 | 1.36 |
| 110 | 181 | Ecobank Kenya | Kenya | 0.0 | 3.5 | 5.0 | 5.0 | 2.0 | 2.0 | 0.0 | 0.0 | 2.0 | 0.0 | 0.0 | 5.0 | 1.34 |
| 111 | 148 | Keystone Bank | Nigeria | 0.0 | 5.0 | 5.0 | 5.0 | 0.0 | 0.0 | 1.0 | 0.0 | 2.0 | 0.0 | 0.0 | 4.5 | 1.08 |
| 112 | 154 | Standard Chartered Bank (Mauritius) | Mauritius | 0.0 | 0.5 | 2.5 | 5.0 | 0.0 | 0.0 | 0.0 | 2.5 | 2.0 | 0.0 | 0.0 | 5.0 | 1.04 |
Notes: (1) 5 = Highest score, 0 = Lowest score. Scores are only shown to one decimal place, but rankings reflect full information.
Source: TABInsights