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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