Wednesday, 5 October 2022

The Strongest Banks Rankings

2021 2020 2019
2018

In The Asian Banker Strongest Banks By Balance Sheet evaluation for 2018, the top 10 strongest banks in the Middle East included seven Saudi banks, two United Arab Emirates (UAE) banks, one Kuwaiti bank and one Lebanese bank. When measured on an asset-weighted basis, 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 their peers, with the lowest average strength score at 2.90 and 3.02 out of five, respectively.

Overall, Saudi banks delivered better financial performance than banks in other countries in the Middle East, 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 weighted 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.

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

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Strength Rank 2018 MEA 200 Rank 2018 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 2018
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%)
12First Abu Dhabi Bank UAE5.05.05.02.5 4.5 5.0 5.0 5.0 3.5 5.0 3.0 5.0 4.34
213Samba Financial GroupSaudi Arabia4.50.51.03.5 5.0 0.5 5.0 5.0 3.0 5.0 4.5 4.0 4.06
332BLOM Bank Lebanon3.53.03.55.0 5.0 0.0 4.5 5.0 3.0 5.0 3.5 5.0 4.03
415Kuwait Finance HouseKuwait4.54.04.03.0 4.5 1.5 4.0 4.0 4.0 5.0 3.0 5.0 3.96
433Alinma BankSaudi Arabia3.54.04.02.0 5.0 4.5 5.0 4.5 2.5 5.0 4.0 4.0 3.96
68Al Rajhi BankSaudi Arabia4.52.51.52.0 5.0 0.5 5.0 5.0 2.5 5.0 4.5 4.0 3.94
716Dubai Islamic Bank UAE4.54.55.01.5 4.5 2.0 5.0 5.0 3.5 5.0 3.0 3.5 3.91
85National Commercial Bank Saudi Arabia5.01.01.02.5 5.0 0.5 5.0 4.5 3.0 5.0 3.5 3.5 3.88
919SABBSaudi Arabia4.51.01.52.5 5.0 0.5 5.0 5.0 3.0 5.0 3.5 4.0 3.86
1014Riyad BankSaudi Arabia4.51.01.02.0 5.0 1.0 5.0 4.5 3.0 5.0 4.0 4.0 3.85
1021Arab National Bank Saudi Arabia4.01.51.52.5 4.5 2.0 5.0 5.0 3.0 5.0 4.0 3.5 3.85
121Qatar National BankQatar5.04.04.51.0 4.5 0.5 5.0 5.0 2.5 5.0 3.5 3.5 3.84
134Emirates NBD UAE5.02.53.01.5 5.0 1.0 5.0 5.0 3.5 5.0 2.0 4.0 3.80
1417Banque Saudi Fransi Saudi Arabia4.50.50.52.5 5.0 0.0 5.0 4.5 3.0 5.0 3.0 4.0 3.70
1442Saudi Investment Bank Saudi Arabia3.01.52.02.0 5.0 4.0 4.5 4.5 2.5 5.0 4.0 4.0 3.70
1628Mashreqbank UAE3.52.01.02.5 4.5 0.0 5.0 4.5 4.5 5.0 3.0 5.0 3.69
179National Bank of Kuwait Kuwait4.53.04.00.0 4.5 1.5 4.0 5.0 2.5 5.0 4.0 4.0 3.68
1712Abu Dhabi Commercial BankUAE4.52.02.50.5 5.0 0.5 5.0 5.0 2.5 5.0 3.5 4.0 3.68
1922Bank Audi Lebanon4.00.50.55.0 4.5 0.0 4.0 3.0 3.0 5.0 2.5 5.0 3.61
2024Qatar Islamic Bank Qatar4.02.53.50.5 4.5 2.0 4.5 5.0 3.5 4.5 4.0 2.0 3.59
2131Ahli United Bank Bahrain3.53.02.02.0 4.5 0.0 5.0 5.0 2.5 5.0 3.5 3.5 3.56
2252Bank AlBiladSaudi Arabia2.05.04.51.5 5.0 2.5 4.5 2.5 4.5 5.0 4.0 4.0 3.55
2338Alawwal BankSaudi Arabia3.00.50.52.5 5.0 0.5 4.0 5.0 3.0 5.0 3.0 3.5 3.40
2376BBK Bahrain1.01.53.04.0 5.0 1.5 5.0 4.5 4.0 5.0 2.0 5.0 3.40
25122Bank of Jordan Jordan0.54.54.53.0 5.0 3.0 5.0 4.0 3.5 5.0 2.5 5.0 3.39
2640Gulf International Bank Bahrain3.02.05.04.5 4.0 5.0 0.5 1.5 3.0 5.0 2.5 5.0 3.36
2720Arab Bank Group Jordan4.03.01.53.0 4.0 1.0 3.5 3.5 4.5 3.5 2.0 4.0 3.31
2727HSBC Bank Middle East UAE4.00.51.52.5 4.5 0.0 4.5 2.5 4.5 4.0 2.0 5.0 3.31
2735Union National BankUAE3.01.02.01.5 5.0 1.0 4.5 5.0 3.0 4.5 2.5 4.0 3.31
3029Abu Dhabi Islamic Bank UAE3.51.02.03.0 4.5 1.0 5.0 4.0 2.5 4.0 2.0 4.0 3.30
3036Bank Muscat Oman3.02.51.50.0 5.0 0.5 5.0 4.0 4.0 5.0 3.0 3.5 3.30
3237Masraf Al Rayan Qatar3.03.03.50.0 5.0 0.5 5.0 5.0 5.0 2.0 5.0 1.5 3.29
3334Arab Banking Corporation Bahrain3.02.54.51.5 5.0 0.0 2.0 3.0 4.0 5.0 3.0 5.0 3.28
3439Doha BankQatar3.02.03.50.5 4.5 1.5 4.0 4.5 2.5 5.0 2.5 4.0 3.20
3451Bank AlJaziraSaudi Arabia2.00.51.03.0 5.0 1.5 4.0 2.5 3.0 5.0 4.0 2.0 3.20
3647Societe Generale de Banque au LibanLebanon2.54.04.55.0 4.0 0.0 3.0 4.0 4.0 2.5 2.0 5.0 3.19
3675Sharjah Islamic Bank UAE1.55.05.01.0 5.0 0.0 4.0 3.5 5.0 5.0 2.5 4.0 3.19
3873Ahli Bank Qatar1.53.50.50.0 4.5 1.0 5.0 5.0 2.5 5.0 4.5 3.5 3.16
3888IBL Bank Lebanon1.00.52.55.0 5.0 1.0 4.5 5.0 4.5 2.0 2.5 5.0 3.16
4045Byblos Bank Lebanon2.53.03.05.0 4.5 0.0 2.0 3.0 4.0 3.0 2.5 5.0 3.15
4150Bank of Beirut Lebanon2.04.53.05.0 4.0 1.0 3.5 3.5 4.0 2.0 2.5 5.0 3.13
4185National Bank of Bahrain Bahrain1.04.52.55.0 5.0 1.5 5.0 5.0 3.5 2.0 1.5 5.0 3.13
41102Arab Bank for Investment and Foreign Trade UAE1.05.04.50.5 5.0 1.0 5.0 5.0 3.0 5.0 2.5 4.0 3.13
4426Commercial BankQatar4.04.54.00.0 4.5 2.5 1.0 4.5 3.5 4.0 2.0 4.0 3.11
4469Housing Bank for Trade & Finance Jordan1.52.52.53.5 4.5 0.0 4.5 4.0 2.0 5.0 2.5 4.0 3.11
4667Noor Bank UAE1.53.02.01.5 4.5 2.5 2.0 4.5 4.5 5.0 2.5 4.0 3.08
4741Al Baraka Banking Group Bahrain3.03.53.54.0 4.5 0.0 2.0 2.5 5.0 2.5 2.0 4.0 3.03
4843Burgan Bank Kuwait2.52.54.00.0 4.5 1.5 2.5 3.5 3.0 5.0 3.0 4.0 3.00
4962Qatar International Islamic Bank Qatar1.54.55.00.5 4.5 0.0 5.0 5.0 4.0 2.5 4.0 2.5 2.99
5048Commercial Bank of Dubai UAE2.04.04.01.0 4.0 1.0 4.5 5.0 3.5 3.5 2.0 4.0 2.96
5155Al Khalij Commercial BankQatar2.01.51.50.0 4.5 1.0 2.5 5.0 2.0 5.0 3.5 5.0 2.95
5184Bank of SharjahUAE1.02.04.02.5 4.5 0.5 2.0 4.5 4.5 5.0 2.0 4.0 2.95
5349Gulf BankKuwait2.04.02.50.0 4.5 1.5 2.0 4.5 3.0 5.0 3.5 2.5 2.94
5477National Bank of Fujairah UAE1.03.03.52.0 4.5 1.0 4.0 5.0 3.5 4.0 2.0 4.0 2.93
54101Ahli Bank OmanOman1.03.04.50.0 4.5 0.5 4.0 4.5 2.0 5.0 4.0 3.5 2.93
5681International Bank of Qatar Qatar1.02.01.00.5 4.0 2.0 5.0 5.0 3.0 3.5 4.0 4.0 2.91
56105Bank al EtihadJordan1.05.05.03.0 4.0 4.0 3.0 3.0 2.5 3.5 2.5 4.0 2.91
5861National Bank of Ras Al-Khaimah UAE1.54.04.00.5 5.0 0.0 5.0 4.5 3.0 3.5 2.5 4.0 2.90
5865Ahli United Bank KuwaitKuwait1.51.51.00.0 4.5 1.0 3.5 5.0 1.5 5.0 4.0 4.0 2.90
5893Jordan Islamic BankJordan1.01.52.03.5 5.0 0.0 4.0 3.0 2.5 4.0 3.0 4.0 2.90
6159Al Ahli Bank of Kuwait Kuwait1.52.02.00.5 4.5 1.0 2.0 4.5 3.0 5.0 3.5 3.0 2.84
6268Credit Libanais Lebanon1.53.52.55.0 4.0 3.0 2.0 3.0 3.0 1.5 2.0 5.0 2.75
6272Bank Dhofar Oman1.53.53.00.0 4.0 0.0 3.5 3.5 2.5 5.0 3.5 3.0 2.75
6299Ajman Bank UAE1.05.05.00.0 4.0 3.0 2.0 4.0 4.5 4.0 2.5 3.5 2.75
65155Societe Generale de Banque - JordanieJordan0.04.53.54.5 5.0 0.0 1.5 3.5 2.5 3.5 3.5 3.0 2.74
6686Bank Sohar Oman1.03.53.50.0 4.5 1.0 2.5 3.5 3.5 4.0 3.5 4.0 2.70
6698Oman Arab Bank Oman1.02.53.01.5 4.0 2.0 4.0 2.5 3.0 4.0 3.0 3.0 2.70
68137Capital Bank of JordanJordan0.01.01.53.0 4.0 4.5 4.0 4.0 4.5 3.0 1.5 4.0 2.69
6990Kuwait International Bank Kuwait1.02.03.50.0 5.0 0.0 2.5 3.0 2.5 5.0 3.0 4.0 2.61
7046Fransabank Lebanon2.51.51.05.0 4.0 0.0 2.0 3.0 2.5 1.5 2.0 4.0 2.60
71114Al Salam Bank-Bahrain Bahrain0.53.50.53.5 5.0 0.5 3.5 4.5 3.5 2.5 1.0 4.0 2.56
71117Cairo Amman BankJordan0.54.54.52.0 4.0 0.0 3.5 2.0 3.0 4.0 2.5 4.0 2.56
7392HSBC Bank Oman Oman1.01.02.53.5 4.5 0.5 2.0 2.0 3.0 3.0 2.5 5.0 2.55
73157Banque Bemo Lebanon0.03.50.55.0 4.5 1.0 3.0 2.5 4.5 1.0 3.0 4.0 2.55
75119National Bank of Umm Al-QaiwainUAE0.53.53.01.0 5.0 0.5 5.0 5.0 2.5 2.0 2.0 4.0 2.51
7682National Bank of Oman Oman1.01.52.00.0 4.5 0.0 4.0 3.5 3.0 4.0 2.5 3.5 2.49
76156Bank Nizwa Oman0.05.05.02.0 4.5 5.0 1.5 1.0 5.0 0.0 5.0 3.0 2.49
78116Jordan Kuwait Bank Jordan0.53.53.02.0 5.0 0.0 2.5 3.5 2.5 3.0 2.5 4.0 2.48
78140Arab Jordan Investment BankJordan0.02.01.03.5 4.0 0.0 2.5 3.0 2.5 3.5 3.5 3.5 2.48
80124Kuwait Finance House (Bahrain)Bahrain0.54.53.00.0 5.0 5.0 4.5 2.0 5.0 2.0 1.5 2.0 2.43
80162Alizz Islamic Bank Oman0.05.05.01.0 4.5 0.0 0.0 0.0 3.0 5.0 5.0 3.0 2.43
8253BankMed Lebanon2.00.53.55.0 4.0 0.0 1.5 0.0 2.5 3.5 1.0 4.0 2.41
83161InvestBankJordan0.05.04.01.0 4.0 0.0 4.5 2.5 3.5 3.5 2.0 4.0 2.40
8457Commercial Bank of Kuwait Kuwait1.51.51.50.5 5.0 0.0 4.0 0.5 4.0 0.0 4.5 5.0 2.34
8564Al Hilal Bank UAE1.51.02.51.5 4.5 2.0 1.0 2.5 2.5 3.5 1.5 3.5 2.30
85111Invest Bank UAE0.52.54.51.5 4.0 1.0 0.0 5.0 3.5 4.0 1.0 3.5 2.30
87163Safwa Islamic BankJordan0.04.02.02.0 5.0 0.0 1.5 1.0 1.5 4.0 3.5 3.5 2.26
88128Bahrain Islamic Bank Bahrain0.54.04.52.5 5.0 0.0 2.0 2.0 2.5 2.5 2.0 3.0 2.25
89188Future Bank Bahrain0.00.50.51.0 5.0 0.0 5.0 4.0 2.0 4.0 0.0 5.0 2.20
90142Saradar BankLebanon0.05.05.05.0 3.5 0.0 1.0 0.0 5.0 1.5 2.0 4.0 2.19
9160Banque Libano-FrancaiseLebanon1.52.52.55.0 0.0 4.5 2.5 4.0 4.0 0.0 0.0 5.0 2.15
9196United Arab Bank UAE1.01.01.02.0 3.5 0.0 0.5 3.0 3.0 4.0 1.5 4.0 2.15
9395Commercial Bank International UAE1.01.01.51.5 4.0 1.0 2.0 3.0 4.0 2.0 1.5 3.0 2.10
94107First National BankLebanon0.53.04.05.0 3.5 0.0 2.0 2.5 4.0 0.0 0.0 5.0 2.00
95118Jordan Ahli BankJordan0.52.00.53.0 4.0 0.5 1.0 1.0 3.0 3.0 1.5 3.5 1.99
96153Jordan Commercial BankJordan0.04.02.03.5 3.5 0.0 0.5 1.5 2.5 2.0 1.5 3.0 1.78
97184United Gulf Bank Bahrain0.00.50.55.0 5.0 5.0 0.5 0.0 0.0 0.0 0.0 5.0 1.56
98150Khaleeji Commercial Bank Bahrain0.01.50.53.5 4.5 0.0 0.5 2.0 2.5 0.5 0.0 4.0 1.49
99158Fenicia Bank Lebanon0.03.52.55.0 0.0 0.0 1.5 3.5 3.0 0.0 0.0 4.0 1.45
10083Ithmaar Holding Bahrain1.04.53.02.0 0.0 0.0 0.0 0.0 4.0 0.0 0.0 3.0 1.01

Note: 5 = Highest score, 0 = Lowest score
Source: Asian Banker Research