September 1999
ARAB 100 1999
ARAB 100: Methodology
| Arab 100 |
| 98 |
97 |
Bank |
Country |
Year end |
Total capital ($m) |
Capital growth (%) |
Total assets ($m) |
Asset growth (%) |
Net income ($m) |
Income growth (%) |
ROE (%) |
ROA (%) |
| 1 |
1 |
National Commercial Bank |
Saudi Arabia |
12/98 |
2,156 |
3.7 |
24,815 |
8.8 |
260 |
-6.8 |
12.05 |
1.05 |
| 2 |
2 |
Arab Banking Corp |
Bahrain |
12/98 |
2,150 |
5.1 |
26,064 |
10.5 |
25 |
-86.7 |
1.16 |
0.10 |
| 3 |
3 |
Riyad Bank |
Saudi Arabia |
12/98 |
2,071 |
2.7 |
16,200 |
4.9 |
276 |
6.2 |
13.32 |
1.70 |
| 4 |
4 |
Arab Bank Group |
Jordan |
12/98 |
1,787 |
13.8 |
18,340 |
9.1 |
224 |
1.3 |
12.51 |
1.22 |
| 5 |
5 |
Al Rajhi Banking & Investment Corp |
Saudi Arabia |
12/98 |
1,455 |
5.5 |
10,162 |
8.3 |
388 |
8.7 |
26.65 |
3.81 |
| 6 |
6 |
Saudi American Bank* |
Saudi Arabia |
12/98 |
1,302 |
6.4 |
13,327 |
9.4 |
317 |
13.7 |
24.33 |
2.38 |
| 7 |
7 |
National Bank of Kuwait |
Kuwait |
12/98 |
1,270 |
4.6 |
12,720 |
-5.8 |
261 |
12.5 |
20.57 |
2.05 |
| 8 |
8 |
National Bank of Dubai |
UAE |
12/98 |
1,005 |
1.5 |
6,641 |
5.7 |
109 |
4.5 |
10.80 |
1.63 |
| 9 |
10 |
National Bank of Egypt |
Egypt |
6/98 |
951 |
14.4 |
18,026 |
13.6 |
89 |
50.6 |
9.34 |
0.49 |
| 10 |
12 |
Qatar National Bank |
Qatar |
12/98 |
874 |
9.7 |
5,354 |
6.5 |
115 |
11.5 |
13.20 |
2.16 |
| 11 |
9 |
United Saudi Bank* |
Saudi Arabia |
12/98 |
847 |
-0.3 |
7,294 |
2.7 |
163 |
50.5 |
19.27 |
2.24 |
| 12 |
13 |
Al Bank Al Saudi Al Fransi |
Saudi Arabia |
12/98 |
833 |
6.4 |
8,131 |
-2.8 |
123 |
14.9 |
14.75 |
1.51 |
| 13 |
11 |
Saudi British Bank |
Saudi Arabia |
12/98 |
828 |
5.0 |
10,207 |
10.1 |
164 |
13.3 |
19.75 |
1.60 |
| 14 |
14 |
Arab National Bank |
Saudi Arabia |
12/98 |
796 |
2.9 |
9,147 |
0.6 |
80 |
-39.3 |
10.08 |
0.88 |
| 15 |
17 |
Abu Dhabi Commercial Bank |
UAE |
12/98 |
780 |
12.5 |
5,893 |
16.4 |
138 |
11.9 |
17.66 |
2.34 |
| 16 |
18 |
Emirates Bank International |
UAE |
12/98 |
773 |
14.9 |
5,370 |
14.9 |
129 |
7.0 |
16.66 |
2.40 |
| 17 |
16 |
Gulf International Bank |
Bahrain |
12/98 |
731 |
5.3 |
10,209 |
7.2 |
82 |
-5.0 |
11.23 |
0.80 |
| 18 |
15 |
Libyan Arab Foreign Bank |
Libya |
12/97 |
701 |
-6.7 |
10,269 |
9.5 |
4 |
|
|
|
| 19 |
19 |
National Bank of Abu Dhabi |
UAE |
12/98 |
686 |
9.2 |
9,570 |
12.8 |
109 |
-2.4 |
15.85 |
1.14 |
| 20 |
20 |
Investcorp Bank |
Bahrain |
12/98 |
672 |
13.6 |
2,234 |
15.7 |
114 |
8.8 |
17.01 |
5.12 |
| 21 |
22 |
Crédit Populaire du Maroc |
Morocco |
12/98 |
665 |
19.3 |
7,339 |
20.3 |
62 |
31.0 |
9.25 |
0.84 |
| 22 |
23 |
MashreqBank |
UAE |
12/98 |
617 |
16.9 |
4,973 |
5.5 |
142 |
4.3 |
23.04 |
2.86 |
| 23 |
21 |
Gulf Bank |
Kuwait |
12/98 |
592 |
4.3 |
6,100 |
7.3 |
98 |
-11.3 |
16.47 |
1.60 |
| 24 |
27 |
Kuwait Finance House |
Kuwait |
12/98 |
545 |
16.4 |
5,537 |
6.8 |
139 |
22.2 |
25.48 |
2.51 |
| 25 |
25 |
Commercial Bank of Kuwait |
Kuwait |
12/98 |
525 |
8.8 |
4,523 |
8.2 |
36 |
-49.7 |
6.91 |
0.80 |
| 26 |
24 |
Burgan Bank |
Kuwait |
12/98 |
499 |
1.6 |
3,713 |
-1.1 |
34 |
-14.2 |
6.81 |
0.91 |
| 27 |
26 |
Banque Misr |
Egypt |
6/98 |
491 |
4.6 |
14,905 |
1.3 |
46 |
19.3 |
9.32 |
0.31 |
| 28 |
35 |
Commercial Bank of Syria |
Syria |
6/98 |
488 |
42.5 |
35,800 |
9.3 |
74 |
-19.5 |
15.22 |
0.21 |
| 29 |
30 |
Banque Commerciale du Maroc |
Morocco |
12/98 |
488 |
16.7 |
4,259 |
12.4 |
76 |
11.5 |
15.51 |
1.78 |
| 30 |
29 |
Banque Marocaine du Commerce Extérieur |
Morocco |
12/98 |
449 |
19.6 |
4,427 |
14.3 |
54 |
24.1 |
12.07 |
1.22 |
| 31 |
28 |
Al-Ahli Bank of Kuwait |
Kuwait |
12/98 |
444 |
5.3 |
3,857 |
-5.8 |
17 |
40.6 |
3.92 |
0.45 |
| 32 |
|
Banque de la Méditerannée |
Lebanon |
12/98 |
429 |
|
4,045 |
|
58 |
|
13.52 |
1.43 |
| 33 |
32 |
Saudi Investment Bank |
Saudi Arabia |
12/98 |
405 |
10.6 |
3,338 |
20.6 |
62 |
46.9 |
15.20 |
1.84 |
| 34 |
31 |
Bank of Kuwait & the Middle East |
Kuwait |
12/98 |
395 |
2.0 |
3,127 |
3.9 |
34 |
-15.8 |
8.66 |
1.09 |
| 35 |
34 |
Saudi Hollandi Bank |
Saudi Arabia |
12/98 |
391 |
10.9 |
4,967 |
2.2 |
67 |
20.1 |
17.21 |
1.36 |
| 36 |
33 |
Commercial International Bank |
Egypt |
12/98 |
378 |
6.8 |
3,919 |
-1.5 |
92 |
16.0 |
24.20 |
2.34 |
| 37 |
36 |
Arab International Bank |
Egypt |
6/98 |
356 |
8.3 |
2,364 |
8.0 |
25 |
51.4 |
7.04 |
1.06 |
| 38 |
38 |
Industrial Bank of Kuwait |
Kuwait |
12/98 |
350 |
14.5 |
1,155 |
-8.0 |
50 |
22.6 |
14.26 |
4.32 |
| 39 |
37 |
Banque du Caire |
Egypt |
6/98 |
349 |
10.1 |
9,408 |
11.7 |
38 |
25.6 |
11.00 |
0.41 |
| 40 |
47 |
Byblos Bank |
Lebanon |
12/98 |
346 |
14.0 |
3,362 |
27.9 |
50 |
44.2 |
14.40 |
1.48 |
| 41 |
58 |
National Bank of Oman |
Oman |
12/98 |
334 |
89.3 |
1,825 |
19.9 |
38 |
12.6 |
11.44 |
2.09 |
| 42 |
41 |
Banque Audi |
Lebanon |
12/98 |
325 |
9.8 |
2,959 |
12.1 |
38 |
23.0 |
11.55 |
1.27 |
| 43 |
39 |
Bank of Alexandria |
Egypt |
6/98 |
320 |
5.0 |
5,988 |
-0.1 |
27 |
5.9 |
8.29 |
0.44 |
| 44 |
42 |
Arab Bank for Investment & Foreign Trade |
UAE |
12/98 |
316 |
7.9 |
1,464 |
-0.4 |
42 |
-8.0 |
13.19 |
2.85 |
| 45 |
40 |
Housing Bank |
Jordan |
12/98 |
313 |
3.3 |
2,000 |
5.0 |
35 |
56.3 |
11.06 |
1.73 |
| 46 |
46 |
Banque du Liban & d'Outre-Mer |
Lebanon |
12/98 |
309 |
19.3 |
4,532 |
42.6 |
59 |
37.2 |
18.97 |
1.29 |
| 47 |
51 |
Wafabank |
Morocco |
12/98 |
295 |
16.9 |
3,133 |
9.1 |
43 |
22.2 |
14.59 |
1.37 |
| 48 |
57 |
Union National Bank |
UAE |
12/98 |
282 |
|
2,214 |
|
29 |
5.5 |
10.22 |
1.30 |
| 49 |
48 |
Kuwait Real Estate Bank |
Kuwait |
12/98 |
278 |
7.8 |
1,731 |
35.7 |
-1 |
-102.2 |
-0.31 |
-0.05 |
| 50 |
50 |
Abu Dhabi Investment Co |
UAE |
12/98 |
272 |
6.4 |
1,594 |
-1.6 |
16 |
27.7 |
6.05 |
1.03 |
| 51 |
52 |
Commercial Bank of Dubai |
UAE |
12/98 |
272 |
16.8 |
1,651 |
27.4 |
49 |
|
18.00 |
2.96 |
| 52 |
43 |
Banque Nationale Agricole |
Tunisia |
12/97 |
268 |
-10.6 |
2,290 |
-24.4 |
10 |
59.1 |
3.57 |
0.42 |
| 53 |
45 |
Bank of Bahrain & Kuwait |
Bahrain |
12/98 |
265 |
1.2 |
2,517 |
10.0 |
27 |
-66.9 |
10.25 |
1.08 |
| 54 |
49 |
National Bank of Bahrain |
Bahrain |
12/98 |
264 |
3.5 |
2,298 |
-11.1 |
38 |
7.1 |
14.47 |
1.67 |
| 55 |
56 |
Misr International Bank |
Egypt |
12/98 |
226 |
17.0 |
2,698 |
1.9 |
59 |
17.8 |
26.25 |
2.20 |
| 56 |
54 |
Bahrain International Bank |
Bahrain |
12/98 |
221 |
1.6 |
828 |
4.3 |
30 |
|
13.76 |
3.68 |
| 57 |
55 |
Oman International Bank |
Oman |
12/98 |
217 |
-0.2 |
1,782 |
15.9 |
31 |
-28.0 |
14.32 |
1.74 |
| 58 |
53 |
United Gulf Bank |
Bahrain |
12/98 |
203 |
-11.0 |
584 |
32.7 |
10 |
|
4.76 |
1.66 |
| 59 |
59 |
Bank Muscat |
Oman |
12/98 |
203 |
16.3 |
1,714 |
6.9 |
34 |
5.5 |
16.70 |
1.98 |
| 60 |
78 |
Commercial Bank of Oman |
Oman |
12/98 |
183 |
71.6 |
1,522 |
76.6 |
30 |
|
16.55 |
1.99 |
| 61 |
60 |
Crédit du Maroc |
Morocco |
12/98 |
173 |
19.3 |
1,575 |
12.3 |
20 |
6.1 |
11.37 |
1.25 |
| 62 |
68 |
Fransabank |
Lebanon |
12/98 |
161 |
40.0 |
2,166 |
19.5 |
45 |
8.6 |
27.90 |
2.07 |
| 63 |
63 |
Banque Marocaine Commerce & Industrie |
Morocco |
12/98 |
158 |
|
1,691 |
|
17 |
|
10.74 |
1.01 |
| 64 |
73 |
Egyptian American Bank |
Egypt |
12/98 |
158 |
35.5 |
1,655 |
5.7 |
23 |
-12.2 |
14.48 |
1.38 |
| 65 |
65 |
Suez Canal Bank |
Egypt |
12/98 |
155 |
|
2,441 |
|
25 |
16.2 |
16.01 |
1.02 |
| 66 |
62 |
Bank Al Jazira |
Saudi Arabia |
12/98 |
151 |
4.9 |
1,312 |
16.9 |
7 |
43.9 |
4.65 |
0.54 |
| 67 |
67 |
Bahrain Middle East Bank |
Bahrain |
12/98 |
145 |
7.6 |
765 |
-0.5 |
15 |
-20.2 |
10.49 |
1.99 |
| 68 |
66 |
Oman Housing Bank |
Oman |
12/98 |
140 |
0.2 |
432 |
5.9 |
3 |
-34.7 |
2.45 |
0.80 |
| 69 |
99 |
First Gulf Bank |
UAE |
12/98 |
136 |
|
411 |
|
13 |
89.9 |
9.55 |
3.16 |
| 70 |
69 |
Arab African International Bank |
Egypt |
12/98 |
134 |
-16.0 |
958 |
-30.3 |
12 |
|
8.97 |
1.25 |
| 71 |
72 |
Commercial Bank of Qatar |
Qatar |
12/98 |
132 |
12.2 |
1,205 |
20.8 |
24 |
35.9 |
18.12 |
1.99 |
| 72 |
61 |
Faysal Islamic Bank of Bahrain |
Bahrain |
12/98 |
128 |
-11.7 |
289 |
-7.3 |
1 |
-93.9 |
1.02 |
0.45 |
| 73 |
81 |
National Bank of Ras Al Khaimah |
UAE |
12/98 |
124 |
32.3 |
453 |
1.4 |
11 |
7.0 |
9.08 |
2.49 |
| 74 |
74 |
Oman International Development & Investment Co |
Oman |
12/98 |
123 |
5.5 |
746 |
-3.6 |
14 |
-65.7 |
11.51 |
1.90 |
| 75 |
71 |
National Bank of Fujairah |
UAE |
12/98 |
122 |
-3.1 |
612 |
-8.3 |
4 |
-69.8 |
3.54 |
0.70 |
| 76 |
75 |
Al-Ahli Commercial Bank |
Bahrain |
12/98 |
120 |
6.0 |
819 |
19.3 |
17 |
1.6 |
13.93 |
2.04 |
| 77 |
|
Banque du Sud |
Tunisia |
12/98 |
116 |
4.1 |
1,055 |
10.0 |
11 |
23.8 |
9.61 |
1.05 |
| 78 |
77 |
TAIB Bank |
Bahrain |
12/98 |
113 |
3.2 |
403 |
8.3 |
10 |
39.2 |
8.97 |
2.51 |
| 79 |
82 |
Doha Bank |
Qatar |
12/98 |
108 |
16.3 |
1,249 |
10.3 |
22 |
62.7 |
20.04 |
1.73 |
| 80 |
87 |
Investment Bank for Trade & Finance |
UAE |
12/98 |
104 |
24.6 |
547 |
7.9 |
20 |
26.8 |
19.02 |
3.60 |
| 81 |
79 |
National Bank of Umm Al-Qaiwain |
UAE |
12/98 |
103 |
|
458 |
|
14 |
-14.1 |
14.09 |
3.16 |
| 82 |
80 |
Jordan National Bank |
Jordan |
12/98 |
103 |
3.9 |
1,136 |
6.4 |
6 |
-17.2 |
5.82 |
0.53 |
| 83 |
76 |
Société Tunisienne de Banque |
Tunisia |
12/98 |
102 |
4.7 |
2,673 |
23.8 |
22 |
189.3 |
21.32 |
0.81 |
| 84 |
86 |
Union Bancaire pour le Commerce & l'Industrie |
Tunisia |
12/97 |
101 |
17.2 |
881 |
12.1 |
12 |
|
12.07 |
1.39 |
| 85 |
83 |
Emirates Industrial Bank |
UAE |
12/98 |
92 |
3.2 |
228 |
8.2 |
6 |
-8.3 |
6.03 |
2.43 |
| 86 |
90 |
National Société Générale Bank |
Egypt |
12/98 |
91 |
23.2 |
1,199 |
3.2 |
25 |
11.8 |
27.27 |
2.07 |
| 87 |
84 |
Bank Dhofar Al-Omani Al-Fransi |
Oman |
12/98 |
88 |
1.6 |
632 |
5.2 |
13 |
67.1 |
14.78 |
2.06 |
| 88 |
91 |
Oman Arab Bank |
Oman |
12/98 |
87 |
17.8 |
680 |
-3.3 |
21 |
-14.4 |
24.10 |
3.08 |
| 89 |
93 |
Amen Bank |
Tunisia |
12/98 |
87 |
15.9 |
1,211 |
31.3 |
9 |
92.3 |
10.90 |
0.78 |
| 90 |
85 |
Misr Exterior Bank |
Egypt |
12/98 |
86 |
12.9 |
1,620 |
1.0 |
22 |
12.9 |
25.78 |
1.37 |
| 91 |
98 |
Qatar Islamic Bank |
Qatar |
12/98 |
82 |
27.8 |
1,028 |
10.9 |
18 |
323.4 |
22.25 |
1.77 |
| 92 |
88 |
Banque Internationale Arabe de Tunisie |
Tunisia |
12/97 |
80 |
-13.3 |
1,697 |
3.7 |
10 |
33.2 |
12.11 |
0.57 |
| 93 |
89 |
Bahraini Saudi Bank |
Bahrain |
12/98 |
79 |
5.1 |
387 |
2.5 |
9 |
3.3 |
11.53 |
2.37 |
| 94 |
94 |
United Arab Bank |
UAE |
12/98 |
79 |
12.4 |
411 |
14.3 |
12 |
31.3 |
15.36 |
2.93 |
| 95 |
92 |
Arab Tunisian Bank |
Tunisia |
12/98 |
78 |
16.2 |
686 |
7.1 |
8 |
14.6 |
10.64 |
1.21 |
| 96 |
95 |
Bank of Sharjah |
UAE |
12/98 |
73 |
|
405 |
|
10 |
12.1 |
13.70 |
2.46 |
| 97 |
96 |
Jordan Islamic Bank for Finance & Investment |
Jordan |
12/98 |
72 |
11.2 |
967 |
8.5 |
4 |
41.9 |
5.69 |
0.42 |
| 98 |
|
Al-Ahli Bank of Qatar |
Qatar |
12/98 |
64 |
|
693 |
|
16 |
|
24.81 |
2.30 |
| 99 |
100 |
Albaraka Islamic Investment Bank |
Bahrain |
12/98 |
61 |
5.8 |
199 |
6.0 |
4 |
-13.1 |
6.08 |
1.86 |
| 100 |
|
Egypt Arab African Bank |
Egypt |
12/98 |
43 |
|
326 |
|
9 |
|
22.14 |
2.89 |
| Totals: |
|
|
|
|
41,589 |
|
444,717 |
|
5,630 |
|
13.54 |
1.27 |
| * Saudi American Bank and United Saudi Bank merged with effect from 7/99. |
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