Saturday, 27 February 2021

The Strongest Banks Rankings

2019 2018

In this year’s The Asian Banker Strongest Banks By Balance Sheet evaluation, Hong Kong banks demonstrate sustained financial strength. Their weighted average strength score stood at 3.97 out of 5, followed by Singapore banks (3.67), Chinese banks (3.40) and Australian banks (3.36). Bank of China (Hong Kong) topped the annual ranking of Strongest Banks by Balance Sheet, as it fared well on most indicators.This year, financial information in the first half of financial year 2020 (1H FY2020) was collated and incorporated into the assessment of how commercial banks and financial holding companies (banks) performed during the COVID-19 pandemic.

Profitability and asset quality weigh on Asia Pacific banks' balance sheet strength. On average, the return on assets (ROA) of banks on the list was down from 0.82% in 1H FY2019 to 0.66% in 1H FY2020 and the cost to income ratio edged up from 40.2% to 40.9%. The weakened profitability was largely triggered by compressed net interest margins and the rise in loan loss provisioning. Hong Kong, Pakistan and the Philippines achieved the highest average score in profitability, while Japan, Australia and Sri Lanka the lowest, except for the markets with only three banks or less on the list. Banks in Indonesia, Thailand, Singapore and the Philippines saw their average ROA drop the most.

Some banking sectors in the region have already seen some deterioration in average gross non-performing loan (NPL) ratio in 1H FY2020, such as Indonesia, Pakistan, and Thailand. Meanwhile, banks boosted loan loss reserves in response to expected losses from the economic slowdown, resulting in higher average loan loss reserves to gross NPL ratio in most economies. On average, banks in Australia, South Korea and Hong Kong achieved the highest score in asset quality, at 4.82, 4.72 and 4.65 out of 5, respectively. Indian banking sector reported asset quality improvement, with the average gross NPL ratio of Indian banks down to 7.4% at the end of September 2020 from 8.5% a year ago. This can be largely attributed to moratorium offered by the Reserve Bank of India, recoveries and higher write-offs.

Capital and liquidity buffers remain relatively resilient across most markets. Hong Kong and Indonesia have the highest average capital adequacy ratio (CAR), at 20.6% and 20.4% respectively. The average CAR of banks in Pakistan, Thailand and Malaysia was also above 18%. Liquidity levels are most adequate in Pakistan, Japan, Hong Kong and Kazakhstan. Their average liquid assets to total deposits and borrowings ratio were above 45%. Deposit growth outpaced loan growth in 19 out of 23 economies, resulting in a drop in average loan to deposit ratio. However, banks in Vietnam continue to face the challenge of maintaining sufficient capital levels. The application of Basel II standard has been slow in Vietnam.

This year’s ranking only reflects some of the impact of the pandemic on the financial performance of banks. The pandemic is expected to weigh heavily on their financial results in 2H FY2020 and FY2021. Nevertheless, most banks are better positioned to weather this crisis than during the global financial crisis.

For a full explanation of the evaluation criteria please click here.

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Strength Rank 2020 AB 500 Rank 2020 Bank Country Assets/GDP 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 2020
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%)
131Bank of China (Hong Kong) Hong Kong5.
211HSBC Hong Kong5.
341Standard Chartered Bank (Hong Kong) Hong Kong5.
446Hang Seng Bank Hong Kong5.
52China Construction Bank China4.
629DBS Group Singapore5.
71Industrial and Commercial Bank of ChinaChina4.
73Agricultural Bank of China China4.
96Sumitomo Mitsui Financial GroupJapan5.
104Bank of China China4.
11176CMB Wing Lung Bank Hong Kong2.
1276Industrial and Commercial Bank of China (Asia) Hong Kong4.
12151Hong Leong Financial Group Malaysia3.
1490Public Bank Malaysia4.
1520Commonwealth Bank of AustraliaAustralia5.
165Mitsubishi UFJ Financial GroupJapan5.
16133China Construction Bank (Asia) Hong Kong3.
18205Bank of Communications (Hong Kong) Hong Kong1.
1934Hana Financial GroupSouth Korea4.
208Mizuho Financial GroupJapan5.
2119Australia and New Zealand Banking Group Australia5.
21295Chiyu Banking Corporation Hong Kong0.
2347Bank of NingboChina0.
23148Nanyang Commercial Bank Hong Kong2.
2575Bangkok Bank Thailand4.
2589Cathay United Bank Taiwan2.
25154DBS Bank (Hong Kong) Hong Kong2.
28238Shanghai Commercial Bank Hong Kong1.
3028KB Financial GroupSouth Korea4.
3035OCBC BankSingapore5.
30425Canadia Bank **Cambodia4.
3339United Overseas Bank Singapore5.
3379KASIKORNBANK Thailand4.
3515Norinchukin BankJapan3.*5.0*5.03.50
36412Meezan Bank Pakistan0.
37126Bank Central AsiaIndonesia1.
37225Citibank (Hong Kong) Hong Kong1.
39331Security Bank The Philippines0.
4083First Commercial Bank Taiwan3.
40226Citibank SingaporeSingapore1.*3.0*5.0**3.45
42122Bank of New ZealandNew Zealand5.
4384Taipei Fubon Commercial Bank Taiwan3.
43292Bank of Chengde China0.*5.03.43
4512China Merchants Bank China1.
4595Siam Commercial Bank Thailand3.
45181Metropolitan Bank & Trust CompanyThe Philippines1.
48 27Shinhan Financial GroupSouth Korea4.
4954Bank of Taiwan Taiwan4.
4991Krung Thai Bank Thailand3.
49105E.SUN Commercial Bank Taiwan2.
52123Dongguan Rural Commercial Bank China0.*
52378King's Town Bank Taiwan0.
52442Asia United Bank The Philippines0.
5623Westpac Banking CorporationAustralia5.
5625National Australia Bank Australia5.
5648Bank of NanjingChina0.
5677Mega International Commercial Bank Taiwan3.
56144TMB Bank Thailand1.
56494Khan Bank Mongolia4.*3.33
63135Westpac New Zealand New Zealand4.
63185Bank of The Philippine IslandsThe Philippines1.
63194Guangdong Huaxing BankChina0.
63271Tai Fung Bank Macau5.
63402Allied Bank Pakistan0.
6864CTBC Bank Taiwan4.
6885ANZ Bank New Zealand New Zealand5.
68138Bank of Qingdao China0.
71241Chong Hing Bank Hong Kong1.
71330Union Bank of the PhilippinesThe Philippines0.
7382Bank of East Asia Hong Kong4.
73121Shanghai Commercial & Savings BankTaiwan1.
73249Zhejiang Xiaoshan Rural Commercial Bank China0.*4.0*4.53.26
73403Bank Islam Brunei Darussalam #Brunei5.
77204Xiamen BankChina0.
7813Industrial Bank China1.
78104Bank of Changsha China0.
78109Bank of Chengdu China0.
78137Bank SinoPacTaiwan1.
78421Bank Mega Indonesia0.
83113Bank of Ayudhya Thailand2.
83232Guangdong Nanhai Rural Commercial Bank China0.*4.0*5.0*3.21
83244Bank of RizhaoChina0.
83260Wuxi Rural Commercial BankChina0.
83285Foshan Rural Commercial Bank China0.*4.5*4.03.21
83305Jiangsu Suzhou Rural Commercial Bank China0.
83486Standard Chartered Bank (Pakistan) Pakistan0.
9060Bank of Hangzhou China0.
90307BIMB Holdings Malaysia0.
90431ACLEDA Bank #Cambodia4.
9369CIMB Group Holdings Malaysia5.
93161Bank of Suzhou China0.
93180Yuanta Commercial Bank Taiwan1.
93183Qilu Bank China0.*3.18
97208Weihai City Commercial Bank China0.
97267Halyk BankKazakhstan2.
97363Bank of Fushun China0.*4.0*4.53.16
100102Bank Mandiri Indonesia1.
100454Habib Metropolitan Bank Pakistan0.
10267Shanghai Rural Commercial BankChina0.**4.5*3.53.14
102375MCB Bank Pakistan0.
102484Advanced Bank of Asia #Cambodia2.
105196OCBC Wing Hang Bank Hong Kong1.
105306Jiangsu Zhangjiagang Rural Commercial Bank China0.
105353Bank OCBC NISP Indonesia0.
10816China Minsheng Banking CorporationChina1.
10845HDFC Bank India1.
10868Beijing Rural Commercial Bank China0.*4.5*5.0*3.10
108118Bank of Zhengzhou China0.
108125ASB BankNew Zealand4.
108242United Overseas Bank (Malaysia) Malaysia1.
11438Bank of Jiangsu China0.
114119Bank of Chongqing China0.
114200AMMB Holdings Malaysia1.
114217Dah Sing Financial Holdings Hong Kong1.
11826Sumitomo Mitsui Trust HoldingsJapan1.
11917China CITIC Bank China1.
119114Bank of Guiyang China0.
119388Bank AL HabibPakistan0.
119473Bank Mizuho IndonesiaIndonesia0.
123117HSBC Bank (China) China0.
123289Habib Bank Pakistan1.
123296China Banking Corporation The Philippines0.
123309Zhejiang Hangzhou Yuhang Rural Commercial Bank China0.*4.5*4.53.05
123377Jiangsu Haian Rural Commercial Bank China0.
123398Commercial Bank of Ceylon Sri Lanka1.
123424Fujian Fuzhou Rural Commercial Bank China0.
123428Subsidiary Bank Sberbank of Russia Kazakhstan0.*1.0*5.03.05
123448Askari Bank Pakistan0.
13236Bank of ShanghaiChina0.
132106Harbin BankChina0.
132112Bank of Guangzhou China0.*4.0*4.53.04
132304National Bank of PakistanPakistan1.
132370Seven Bank Japan0.
1379Postal Savings Bank of China China1.
137374Bank of Taian China0.
137468Ganzhou Rural Commercial BankChina0.
14018China Everbright Bank China0.
14022State Bank of IndiaIndia4.
14042China Zheshang Bank China0.
14059Chongqing Rural Commercial BankChina0.
140129BDO Unibank The Philippines3.
140163Qingdao Rural Commercial Bank China0.
14610Bank of Communications China1.
14614Shanghai Pudong Development Bank China1.
14670Guangzhou Rural Commercial Bank China0.
146146RHB Bank Malaysia3.
146237Bank of GanzhouChina0.**4.0*4.53.00
146319Bank of Xingtai China0.
146384Industrial and Commercial Bank of China (Thai) Thailand0.
15356Huishang Bank China0.
15372Taiwan Cooperative BankTaiwan3.
153156Bank of DongguanChina0.*4.0*4.5*2.99
153264Fujian Haixia Bank China0.
157273Bank of Weifang China0.
158124Standard Chartered Bank KoreaSouth Korea0.
158143Jiangsu Jiangnan Rural Commercial Bank China0.
158159Bank of Jiujiang China0.
158239Jiangsu Changshu Rural Commercial Bank China0.
158361Japan Net BankJapan0.
163202Guangxi Beibu Gulf Bank China0.
163275Bank of Urumqi China0.*
16537Woori Financial GroupSouth Korea3.
16540Industrial Bank of KoreaSouth Korea3.
165100Hua Nan Commercial BankTaiwan2.
165235Jiangsu Zijin Rural Commercial Bank China0.
169177Daiwa Next BankJapan0.
170325Luzhou BankChina0.
170409Jiangsu Qidong Rural Commercial Bank China0.
172411Bank HSBC IndonesiaIndonesia0.*3.05.0*2.90
173127Taishin International Bank Taiwan1.
173147Bank Negara Indonesia Indonesia0.
173150Bank of Guizhou China0.
173303Jiangsu Jiangyin Rural Commercial BankChina0.
173326Bank of Jining China0.
173338Bank of CeylonSri Lanka3.
173359Standard Chartered Bank MalaysiaMalaysia0.
173367Hebei Tangshan Rural Commercial Bank China0.
18162Shengjing Bank China0.
182385Citibank MalaysiaMalaysia0.
18349ICICI Bank India1.
183120Chang Hwa Commercial Bank Taiwan1.
183340LinShang BankChina0.*
183414Bank Alfalah Pakistan0.
18794Land Bank of Taiwan Taiwan2.
187203Jinshang Bank China0.
187234Citibank TaiwanTaiwan0.
187417Banco Nacional UltramarinoMacau3.
187493Faysal Bank Pakistan0.
192406Tien Phong Commercial BankVietnam0.*
193405Land and Houses Bank Thailand0.*3.5*4.02.84
193462Bank JatimIndonesia0.
19599Bank Rakyat Indonesia Indonesia1.
195191Bank of Xi'an China0.
195332Alliance Bank Malaysia Malaysia0.
195390TISCO Financial Group Thailand0.
19924Ping An Bank China0.
19992Zhongyuan BankChina0.
199169Hokkoku Bank Japan0.
199172Tianjin Rural Commercial BankChina0.**3.5*4.52.81
199408Bank UOB IndonesiaIndonesia0.*2.81
199469Bank JatengIndonesia0.*2.81
20597Bank of TianjinChina0.
205174Guilin Bank China0.**3.5*3.02.80
205197Fudian Bank China0.**3.0*4.52.80
205198Hubei Bank China0.**0.5**2.80
205215Taiwan Shin Kong Commercial Bank Taiwan0.
205313Asia Commercial BankVietnam0.
205322Jiangsu Kunshan Rural Commercial Bank China0.*4.0*0.02.80
212245Bank of TaizhouChina0.
212257Union Bank of Taiwan Taiwan0.
212277Standard Chartered Bank (Taiwan) Taiwan0.
212302Bank CIMB NiagaIndonesia0.
212308Military Commercial BankVietnam0.
212321Bank of QinHuangDao China0.**2.5**2.79
218444Jiangsu Sheyang Rural Commercial Bank China0.*
21971Xiamen International BankChina0.
219299Bank of Shangrao China0.*3.0*2.52.76
219357Kiatnakin Phatra Bank Thailand0.
222280HSBC Bank (Taiwan) Taiwan0.
222337Fubon Bank (Hong Kong) Hong Kong0.
222372Jiangsu Nantong Rural Commercial Bank China0.
222450Jiangsu Jiangyan Rural Commercial BankChina0.*
226187Citibank KoreaSouth Korea0.
226227China Resources Bank of Zhuhai China0.
226247KGI Bank Taiwan0.
226253Bank Rakyat Malaysia1.
226272Bank of Cangzhou China0.
226290Bank of Shaoxing China0.
233164Aozora Bank Japan0.
233368Bank Permata Indonesia0.
233381Nanchang Rural Commercial BankChina0.
233434Bank of PunjabPakistan0.
237397SBI Savings BankSouth Korea0.
238136Vietnam Bank for Agriculture and Rural DevelopmentVietnam3.
238429Bank DBS IndonesiaIndonesia0.
240130Jiangxi Bank China0.
240298O-Bank Taiwan0.
240301Sunny BankTaiwan0.
240339Rizal Commercial Banking CorporationThe Philippines0.*2.5*4.52.70
244179China CITIC Bank International Hong Kong1.
244485Bank Asia Bangladesh0.**2.5*3.02.69
24632Bank of Beijing China0.
246140Kotak Mahindra Bank India0.
246270Bank of YingkouChina0.*3.5*4.02.68
249251Sai Gon Commercial BankVietnam1.
249336Panin BankIndonesia0.
251184Rakuten Bank Japan0.
251228Sichuan Tianfu Bank China0.*
251278Far Eastern International Bank Taiwan0.
254274OCBC Bank (Malaysia) Malaysia1.
254279Bank of Liuzhou China0.
254300Qi Shang Bank China0.*3.5*1.0**2.64
254379United Overseas Bank (China) China0.*2.64
25830Hua Xia Bank China0.
258190Wuhan Rural Commercial BankChina0.**3.0*4.52.63
258318Fubon Bank (China) China0.*1.5*
258324YanBian Rural Commercial Bank China0.
258350Bank BTPNIndonesia0.
26453China Bohai Bank China0.
264459Public Bank (Hong Kong) Hong Kong0.
264491Trust Bank Bangladesh0.**2.0*3.52.61
267457Orient Commercial BankVietnam0.
268149Bank of DalianChina0.*2.5*4.02.59
268175Bank of Gansu China0.
268407East West Banking CorporationThe Philippines0.*2.5*3.52.59
268423Hatton National Bank Sri Lanka1.
268447TSB Bank New Zealand0.
27333China Guangfa Bank China0.*3.5*4.02.58
27343NongHyup BankSouth Korea2.*2.0*2.0*4.0*4.5*0.02.58
273334DBS Bank (Taiwan)Taiwan0.
273389Jih Sun International Bank Taiwan0.
277499Bank ICBC IndonesiaIndonesia0.*2.56
278139Bank for Investment and Development of VietnamVietnam3.
278152Bank of Jilin China0.
278470Dutch-Bangla Bank Bangladesh0.**2.5*4.02.55
278487Eastern Bank Bangladesh0.**3.0*2.52.55
282418Vietnam Maritime Commercial BankVietnam0.
283347Bank of Huludao China0.**5.0*5.0*2.5*3.0*2.54
283351United Bank Pakistan0.
285283Philippine National BankThe Philippines0.
285284HSBC Bank (Singapore) Singapore1.**2.0*2.5**2.53
285393Maanshan Rural Commercial BankChina0.*3.5*0.02.53
285437Tamilnad Mercantile Bank India0.**2.5*0.02.53
29021Resona HoldingsJapan2.
290165Bank of Hebei China0.*3.5*3.52.50
290496First Heartland Jysan BankKazakhstan0.**0.0*5.0*2.50
293132DGB Financial Group South Korea0.
293186IndusInd Bank India0.
293218Bank of Wenzhou China0.
293343Islami Bank Bangladesh Bangladesh0.**2.5*4.02.48
293344Bank Danamon Indonesia Indonesia0.
298293United Overseas Bank (Thai) Thailand0.
29961Canara BankIndia0.
299362People's BankSri Lanka2.
299422National Savings BankSri Lanka1.
302256Jilin Jiutai Rural Commercial Bank China0.
303317Kiwibank New Zealand1.
303386Bank of KaohsiungTaiwan0.
303440Pubali Bank Bangladesh0.**2.5*2.52.43
30655Punjab National BankIndia1.
306369EnTie Commercial Bank Taiwan0.
306441Shanghai HuaRui Bank China0.**4.0*2.52.41
306449Sampath Bank Sri Lanka1.
31096Shinsei Bank Japan0.
310248Federal BankIndia0.
310396Bank BJBIndonesia0.
313111Chugoku BankJapan0.
313365Karnataka Bank India0.
313376Ho Chi Minh City Development BankVietnam0.
313427Morgan Stanley Bank Asia Hong Kong0.
31763Macquarie Bank Australia1.*3.5*5.02.38
317210Suhyup BankSouth Korea0.*2.0*1.5**2.38
317291HSBC Bank MalaysiaMalaysia0.
32173Shizuoka BankJapan0.
32174AXIS Bank India0.
321115Indian BankIndia0.*
321188JB Financial Group South Korea0.
325166Bendigo and Adelaide Bank Australia0.
325445Standard Chartered Bank (Thai) Thailand0.*2.35
327481Jiangsu Changjiang Commercial Bank China0.*4.0*1.52.34
328420City Union Bank India0.
328453Banque Pour Le Commerce Exterieur Lao Laos4.
33066Union Bank of IndiaIndia0.
330142SBI Sumishin Net BankJapan0.
330464Southeast Bank Bangladesh0.**2.5*2.52.31
333312Vietnam Prosperity Commercial BankVietnam0.
333371MBSB Bank Malaysia0.
335116Iyo Bank Japan0.
335394Vietnam International Commercial BankVietnam0.
337395Bank of Panhsin Taiwan0.
337443COTA Commercial Bank Taiwan0.
337498Prime Bank Bangladesh0.**2.5*0.02.28
340101Bank of IndiaIndia0.*
34186Hachijuni BankJapan0.
341103BNK Financial Group South Korea0.
341323AFFIN BankMalaysia0.
34487North Pacific BankJapan0.
34488Yamaguchi Financial GroupJapan0.
344110Gunma Bank Japan0.
344262Bank of MaharashtraIndia0.
348488An Binh Commercial BankVietnam0.
349346CIMB Thai Bank Thailand0.
350201Hangzhou United Rural Commercial BankChina0.
350209Bank of Queensland Australia0.
350266Taichung Commercial BankTaiwan0.
350461BRAC Bank Bangladesh0.**2.5*0.02.20
350467DCB Bank India0.
355446Bank Muamalat Malaysia Malaysia0.
35658Chiba BankJapan0.
357155San-In Godo BankJapan0.
357263Bank of HandanChina0.
357287IDFC First BankIndia0.*
357352RBL Bank India0.
361419Southeast Asia Commercial BankVietnam0.
36210877 BankJapan0.
362134Shiga BankJapan0.
362158Senshu Ikeda HoldingsJapan0.
362193IDBI Bank India0.
362286Members Equity Bank Australia0.**5.0*2.02.14
362364Bank Maybank IndonesiaIndonesia0.
362382Karur Vysya Bank India0.
362472Bac A Commercial BankVietnam0.
370259Bank of Fuxin China0.
370282Bank Tabungan Negara Indonesia0.
370474City Bank Bangladesh0.**2.0*3.02.13
37351Mebuki Financial Group Japan0.
373153Nanto Bank Japan0.
373471HWATAI BANKTaiwan0.
37698Hirogin HoldingsJapan0.
376207Yamanashi Chuo BankJapan0.*2.10
376438Datong Bank China0.
376495Mercantile Bank Bangladesh0.**2.5*2.0*2.10
380157Taiwan Business Bank Taiwan1.
381173Kiyo BankJapan0.
381224UCO BankIndia0.*
381475Bank of Shanghai (Hong Kong) Hong Kong0.
384315Saigon - Hanoi Commercial BankVietnam0.
38552Concordia Financial GroupJapan0.
385128Juroku Bank Japan0.
385141Toho Bank Japan0.
385212Awa BankJapan0.
38957Bank of BarodaIndia0.
38978Bank of Jinzhou China0.
389199San ju San Financial GroupJapan0.
392189Indian Overseas BankIndia0.
392211Oita Bank Japan0.
392221Fukui Bank Japan0.
392254ORIX Bank Japan0.
39693Bank of KyotoJapan0.
397230Akita Bank Japan0.
397360Bank of KochiJapan0.
399460Export Import Bank of BangladeshBangladesh0.**2.5*0.01.96
40044Fukuoka Financial Group Japan0.
40081Kyushu Financial GroupJapan0.
402107Daishi Hokuetsu Financial GroupJapan0.
402452United Commercial Bank Bangladesh0.**2.0*2.01.94
404131Hyakugo Bank Japan0.
404432Bank Mayapada Internasional Indonesia0.*
404483IMB BankAustralia0.*5.0*3.01.91
40765Hokuhoku Financial Group Japan0.
407216Bank of IwateJapan0.
407222Sony BankJapan0.
407243Yamagata BankJapan0.
411430Vietnam Export Import Commercial BankVietnam0.*
412170Central Bank of IndiaIndia0.
412192Bank of NagoyaJapan0.*1.89
414479Nam A Commercial BankVietnam0.
415145Ogaki Kyoritsu BankJapan0.
416497International Finance Investment and Commerce Bank Bangladesh0.**2.0*2.01.86
417167Keiyo BankJapan0.
417219Aomori Bank Japan0.
417261Bank of OkinawaJapan0.
417311Saikyo BankJapan0.
417348South Indian Bank India0.
422276Tokyo Star Bank Japan0.
422387LienViet Post Commercial BankVietnam0.
424213Aichi BankJapan0.
424354JSF Trust and Banking Japan0.
424476Al-Arafah Islami Bank Bangladesh0.**2.5*0.01.83
427281Michinoku BankJapan0.
428160Tokyo Kiraboshi Financial Group Japan0.
428231Shikoku Bank Japan0.
428333Yingkou Coastal Bank China0.
428455Hubei Suizhou Rural Commercial Bank China0.
428489Shandong Rongcheng Rural Commercial Bank China0.*2.0*2.01.80
433233Tochigi BankJapan0.
434316Shimizu Bank Japan0.
435268Towa BankJapan0.
435404Okinawa Kaiho Bank Japan0.*1.76
43780Nishi-Nippon Financial HoldingsJapan0.
437246Bank of SagaJapan0.
437345First Bank of ToyamaJapan0.
437366Nagano Bank Japan0.
437490Social Islami Bank Bangladesh0.**2.0*0.01.74
442206Bank of Zhangjiakou China0.
442240FIDEA Holdings Japan0.
442328Jammu & Kashmir Bank India0.
445178Musashino BankJapan0.
446195TOMONY HoldingsJapan0.
446435Fukuoka Chuo BankJapan0.
448214YES BANK India0.
448223Miyazaki BankJapan0.
450482Shimane Bank Japan0.
451391Daito BankJapan0.
451456First Security Islami Bank Bangladesh0.**2.5*0.01.65
454327Guiyang Rural Commercial Bank China0.
454458Choshi Shinkin BankJapan0.*1.0*
454480Fukushima Shinkin BankJapan0.**1.0*1.0*2.55.0*1.64
457258Jimoto Holdings Japan0.
457320Dalian Rural Commercial BankChina0.*
459415Shizuoka Chuo BankJapan0.
460269Ehime BankJapan0.
460329Taiko Bank Japan0.
462236Chiba Kogyo BankJapan0.
462297Zhongshan Rural Commercial bank China0.
462335Kita-Nippon BankJapan0.
462356Tajima Bank Japan0.
462463Bank of ToyamaJapan0.
467294Chukyo Bank Japan0.
468250Bank of the Ryukyus Japan0.
469373ChangChun Rural Commercial Bank China0.
469416Heritage Bank Australia0.**1.5*1.0*5.0*0.5*1.54
469465Kanagawa BankJapan0.
472265Tsukuba Bank Japan0.
472477Fukuho BankJapan0.
474341Bank of China Travel Service China0.
474383Tohoku BankJapan0.
476451National Bank Bangladesh0.**1.0*0.01.49
477255Tianjin Binhai Rural Commercial Bank China0.
478413Miyazaki Taiyo BankJapan0.
478436Bank Bukopin Indonesia0.
480171Hyakujushi Bank Japan0.
480355Nomura Trust and Banking Japan0.*1.44
480401Rabobank New Zealand New Zealand0.*2.5*3.01.44
483182Suncorp-Metway Australia0.
483220SURUGA bankJapan0.
483380Tottori BankJapan0.
483478Hirakata Shinkin BankJapan0.*1.0*0.5*3.0*0.01.43
487349Punjab & Sind BankIndia0.
487492AB Bank Bangladesh0.**0.0*3.0*1.41
489310Bank of Liaoyang China0.
489399Chikuho BankJapan0.
489400Minami Nippon BankJapan0.
492410Fukushima BankJapan0.
493439Howa BankJapan0.
494229Bank of Langfang China0.
495358Tomato BankJapan0.
496252Bank of East Asia (China) China0.*2.0**1.23
496392Bank of Shizuishan China0.
496433Tokyo Bay Shinkin BankJapan0.**0.0*0.5*2.5*5.0*1.23
499426Rupali Bank Bangladesh0.*
500342Jinan Rural Commercial Bank China0.

Notes: (1) 5 = Highest score, 0 = Lowest score. (2) * & # FY2019 data. (3) ** FY2019 data; adjusted for scale.
Source: Asian Banker Research