Bank Atlas – Top 200
By Country: A-C | D-I | J-M | N-R | S-V
| Saudi Arabia | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Saudi American Bank | 2002 | Baa3/P-3/C+ | 2,379 | 20,390 | 496 | 20.8 | 2.4 | 58% | 16.5% |
| 2 | Riyad Bank | 2002 | Baa3/P-3/C- | 2,239 | 17,946 | 378 | 16.9 | 2.1 | 55% | 20.0% |
| 3 | Al-Rajhi Banking and Investment Corporation | 2002 | Baa3/P-3/D+ | 1,826 | 15,785 | 377 | 20.7 | 2.4 | 110% | 25.9% |
| 4 | Al Bank Al Saudi Al Fransi | 2002 | Baa3/P-3/C | 1,269 | 11,939 | 271 | 21.3 | 2.3 | 58% | — |
| 5 | Saudi British Bank | 2002 | Baa3/P-3/C | 1,144 | 12,344 | 260 | 22.7 | 2.1 | 58% | — |
| 6 | Arab National Bank | 2002 | Baa3/P-3/D+ | 947 | 11,829 | 156 | 16.5 | 1.3 | 57% | 19.0% |
| 7 | Saudi Hollandi Bank | 2002 | Baa3/P-3/C- | 615 | 7,183 | 148 | 24.1 | 2.1 | 66% | — |
| 8 | Saudi Investment Bank | 2002 | Baa3/P-3/D+ | 577 | 5,329 | 102 | 17.6 | 1.9 | 63% | — |
| Seychelles | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Nouvobanq SIMBC | 2001 | –/–/– | 18 | 230 | 10 | 57.8 | 4.4 | — | — |
| Singapore | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Development Bank of Singapore | 2002 | Aa2/P-1/B- | 8,915 | 86,119 | 586 | 6.6 | 0.7 | 60% | 10.3% |
| 2 | United Overseas Bank | 2002 | Aa2/P-1/B+ | 7,295 | 61,959 | 614 | 8.4 | 1.0 | 87% | 12.2% |
| 3 | Overseas Chinese Banking Corp | 2002 | Aa3/P-1/B | 5,329 | 48,458 | 384 | 7.2 | 0.8 | 90% | 11.5% |
| Slovak Republic | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Slovenska Sporitelna | 2002 | A3/P-2/D- | 322 | 5,163 | 31 | 9.6 | 0.6 | 22% | — |
| 2 | Vseobecna Uverova Banka | 2001 | A3/P-2/E+ | 321 | 3,602 | 28 | 8.6 | 0.8 | 28% | — |
| Slovenia | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Nova Ljubljanska banka | 2002 | Baa2/P-2/C- | 596 | 9,935 | 83 | 13.9 | 0.8 | 66% | — |
| 2 | Nova Kreditna banka Maribor | 2002 | Baa2/P-2/C- | 190 | 2,607 | 8 | 4.5 | 0.3 | 67% | — |
| 3 | SKB Banka | 2002 | A1/P-1/D+ | 182 | 1,846 | 0 | 0.0 | 0.0 | 66% | — |
| South Africa | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Stanbic | 2002 | Baa2/P-2/C+ * | 3,711 | 45,104 | 578 | 15.6 | 1.3 | 71% | 10.9% |
| 2 | Nedcor | 2002 | Baa2/P-2/C+ * | 2,329 | 31,688 | 114 | 4.9 | 0.4 | 106% | 7.0% |
| 3 | First Rand Bank Group | 2002 | Baa2/P-2/C * | 1,554 | 27,481 | 365 | 23.5 | 1.3 | 86% | 8.7% |
| 4 | ABSA | 2002 | Baa2/P-2/C- * | 1,360 | 21,719 | 148 | 10.9 | 0.7 | 109% | 6.4% |
| 5 | Investec Group | 2002 | Baa2/P-2/C- * | 1,006 | 26,684 | 55 | 5.5 | 0.2 | 62% | 8.7% |
| South Korea | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Kookmin Bank | 2002 | A3/P-2/D+ | 8,731 | 157,773 | 1,072 | 12.3 | 0.7 | 107% | 6.6% |
| 2 | National Agricultural Cooperative Federation | 2002 | –/–/– | 3,747 | 142,888 | 500 | 13.4 | 0.4 | 92% | 6.1% |
| 3 | Woori Bank | 2002 | Baa2/P-3/E+ | 3,503 | 75,339 | 657 | 18.8 | 0.9 | 93% | 6.6% |
| 4 | Industrial Bank of Korea | 2002 | A3/P-2/E | 2,852 | 56,098 | 490 | 17.2 | 0.9 | 142% | 8.4% |
| 5 | Hana Bank [1] | 2002 | Baa2/P-3/D | 2,660 | 63,987 | 271 | 10.2 | 0.4 | 92% | 5.7% |
| 6 | Shinhan Bank | 2002 | Baa1/P-2/D+ | 2,412 | 50,817 | 502 | 20.8 | 1.0 | 111% | 6.8% |
| 7 | Cho Hung Bank | 2002 | Baa2/P-3/E+ | 1,957 | 56,718 | -494 | -25.3 | -0.9 | 98% | 4.6% |
| 8 | Korea Exchange Bank | 2002 | Baa2/P-3/E+ | 1,887 | 54,576 | 45 | 2.4 | 0.1 | 96% | 4.7% |
| 9 | Korea First Bank | 2002 | Baa3/P-3/D | 1,411 | 27,601 | 86 | 6.1 | 0.3 | 85% | 7.3% |
| 10 | KorAm Bank | 2002 | Baa3/P-3/D | 1,367 | 31,720 | 220 | 16.1 | 0.7 | 116% | 6.5% |
| 11 | Pusan Bank | 2002 | Baa3/P-3/E+ | 688 | 12,427 | 124 | 18.1 | 1.0 | 75% | 9.2% |
| 12 | Daegu Bank | 2002 | Baa3/P-3/E+ | 600 | 13,877 | 111 | 18.4 | 0.8 | 74% | 7.8% |
| [1] 2002 figures include SeoulBank which merged into Hana Bank | ||||||||||
| Spain | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Santander Central Hispano | 2002 | A1/P-1/B- | 31,444 | 339,867 | 2,356 | 7.5 | 0.7 | 97% | 8.0% |
| 2 | Banco Bilbao Vizcaya Argentaria | 2002 | Aa2/P-1/B+ | 24,773 | 293,044 | 1,802 | 7.3 | 0.6 | 96% | 8.4% |
| 3 | Caixa d’Estalvis i Pensions de Barcelona (La Caixa) | 2002 | Aa2/P-1/B+ | 10,117 | 107,996 | 716 | 7.1 | 0.7 | 94% | 9.6% |
| 4 | Caja de Ahorros y Monte de Piedad de Madrid | 2002 | Aa2/P-1/B+ | 4,434 | 73,545 | 503 | 11.3 | 0.7 | 102% | — |
| 5 | Banco Popular | 2002 | Aa1/P-1/A- | 3,815 | 44,034 | 664 | 17.4 | 1.5 | 142% | 8.9% |
| 6 | Banco Sabadell | 2002 | A1/P-1/B | 2,665 | 28,539 | 231 | 8.7 | 0.8 | 120% | 8.2% |
| 7 | Caja de Ahorros de Valencia, Castellón y Alicante (Bancaja) | 2002 | A1/P-1/B- | 2,307 | 31,233 | 274 | 11.9 | 0.9 | 145% | — |
| 8 | Bilbao Bizkaia Kutxa | 2002 | A1/P-1/B | 1,990 | 15,330 | 276 | 13.9 | 1.8 | 72% | — |
| 9 | Caja de Ahorros de Mediterráneo | 2002 | A1/P-1/B- | 1,799 | 23,389 | 222 | 12.4 | 1.0 | 120% | — |
| 10 | Caixa d’Estalvis de Catalunya | 2002 | A2/P-1/C+ | 1,661 | 30,149 | 154 | 9.3 | 0.5 | 112% | 7.6% |
| 11 | Caja de Ahorros y Monte de Piedad de Gipuzkoa y San Sebastián | 2002 | –/–/– | 1,469 | 10,442 | 161 | 11.0 | 1.5 | 82% | — |
| 12 | Bankinter | 2002 | Aa3/P-1/B | 1,421 | 23,747 | 115 | 8.1 | 0.5 | 119% | 8.0% |
| 13 | Caja de Ahorros y Monte de Piedad de Zaragoza, Aragón y Rioja | 2002 | A1/P-1/B | 1,350 | 17,346 | 159 | 11.8 | 0.9 | 96% | — |
| 14 | Montes de Piedad y Caja de Ahorros de Ronda, Cádiz, Almería, Málaga y Antequera (Unicaja) | 2002 | –/–/– | 1,221 | 15,495 | 172 | 14.1 | 1.1 | 87% | — |
| 15 | Caja de Ahorros de Galicia | 2002 | A1/P-1/B | 1,113 | 26,017 | 173 | 15.5 | 0.7 | 78% | — |
| 16 | Banca March | 2001 | –/–/– | 1,097 | 4,120 | 104 | 9.5 | 2.5 | — | — |
| 17 | Caja Laboral | 2002 | A2/P-1/C+ | 1,070 | 9,680 | 103 | 9.6 | 1.1 | 86% | — |
| 18 | Caja España de Inversiones, C de A. y M.P. | 2002 | A2/P-1/C+ | 870 | 13,465 | 84 | 9.6 | 0.6 | 74% | — |
| 19 | Caixa de Aforros de Vigo, Ourense e Pontevedra | 2002 | –/–/– | 817 | 12,499 | 56 | 6.8 | 0.4 | 83% | — |
| 20 | Banco Pastor | 2002 | A2/P-1/C+ | 723 | 9,320 | 88 | 12.2 | 0.9 | 116% | — |
| 21 | Caja de Ahorros y Monte de Piedad de Córdoba (CajaSur) | 2002 | –/–/– | 715 | 8,764 | 71 | 10.0 | 0.8 | 99% | — |
| 22 | Caja de Ahorros de Navarra | 2002 | –/–/– | 715 | 7,937 | 68 | 9.5 | 0.9 | 86% | — |
| 23 | Caja de Ahorros de Salamanca y Soria (Caja Duero) | 2002 | A2/P-1/C+ | 645 | 11,298 | 66 | 10.2 | 0.6 | 58% | — |
| 24 | Caja de Ahorros de Murcia | 2002 | –/–/– | 636 | 7,616 | 89 | 14.0 | 1.2 | 89% | — |
| 25 | Caja de Ahorros de Asturias | 2002 | –/–/– | 633 | 6,896 | 101 | 15.9 | 1.5 | 69% | — |
| 26 | M.P. y Caja de Ahorros de Huelva y Sevilla | 2002 | –/–/– | 592 | 8,350 | 72 | 12.2 | 0.9 | 114% | — |
| 27 | Caja de Ahorros Provincial San Fernando de Sevilla y Jerez | 2002 | –/–/– | 574 | 6,440 | 26 | 4.6 | 0.4 | 113% | — |
| 28 | Caja de Ahorros de Castilla de la Mancha | 2002 | –/–/– | 557 | 8,499 | 77 | 13.7 | 0.9 | 75% | — |
| 29 | Caja Rural de Almería y Málaga (Cajamar) | 2001 | –/–/– | 529 | 5,453 | 55 | 10.4 | 1.0 | — | — |
| 30 | Caja de Ahorros de la Inmaculada de Aragon | 2002 | –/–/– | 527 | 5,568 | 51 | 9.7 | 0.9 | 104% | — |
| 31 | Caja de Ahorros Municipal de Burgos | 2002 | A2/P-1/C+ | 507 | 5,808 | 49 | 9.7 | 0.8 | 82% | — |
| Sri Lanka | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Bank of Ceylon | 2001 | –/–/– | 121 | 2,551 | 9 | 7.3 | 0.3 | 85% | — |
| 2 | Commercial Bank of Ceylon | 2002 | –/–/– | 72 | 841 | 14 | 18.7 | 1.6 | 95% | 14.9% |
| 3 | Hatton National Bank | 2002 | –/–/– | 64 | 1,193 | 57 | 88.9 | 4.8 | 76% | 10.0% |
| Sudan | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Omdurman National Bank | 2001 | –/–/– | 19 | 271 | 1 | 5.9 | 0.4 | 56% | — |
| 2 | Bank of Khartoum | 2001 | –/–/– | 11 | 181 | 1 | 9.6 | 0.6 | 64% | — |
| 3 | Tadamon Islamic Bank | 2001 | –/–/– | 8 | 85 | 1 | 18.9 | 1.7 | 27% | — |
| Suriname | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | De Ssurinamsche Bank NV | 2001 | –/–/– | 10 | 174 | 1 | 11.3 | 0.6 | 33% | — |
| 2 | Hakrinbank | 2001 | –/–/– | 2 | 53 | 0 | 14.7 | 0.6 | 34% | — |
| Sweden | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Nordea Group | 2002 | Aa3/P-1/B * | 12,482 | 261,626 | 930 | 7.4 | 0.4 | 159% | 7.1% |
| 2 | Svenska Handelsbanken | 2002 | Aa2/P-1/B+ | 5,971 | 146,148 | 833 | 14.0 | 0.6 | 287% | 6.4% |
| 3 | Skandinaviska Enskilda Banken | 2002 | A1/P-1/B- | 5,264 | 141,983 | 608 | 11.6 | 0.4 | 136% | 7.9% |
| 4 | ForeningsSparbanken – Swedbank | 2002 | Aa3/P-1/B | 5,008 | 109,538 | 475 | 9.5 | 0.4 | 267% | 7.1% |
| Switzerland | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | UBS | 2002 | Aa2/P-1/B+ | 30,645 | 851,255 | 2,548 | 8.3 | 0.3 | 69% | 11.30% |
| 2 | Credit Suisse Group | 2002 | Aa3/P-1/B * | 22,626 | 688,760 | -2,385 | -10.5 | -0.3 | 61% | 9.7% |
| 3 | Zürcher Kantonalbank | 2002 | –/–/– | 3,253 | 58,004 | 143 | 4.4 | 0.2 | 40% | 8.8% |
| 4 | Schweizer Verband der Raiffeisenbanken | 2002 | –/–/– | 3,124 | 66,799 | 309 | 9.9 | 0.5 | 100% | 8.8% |
| 5 | EFG Bank European Financial Group | 2002 | –/–/– | 2,333 | 29,671 | 231 | 9.9 | 0.8 | 77% | 9.6% |
| 6 | HSBC Republic Bank | 2002 | Aa3/P-1/B | 1,423 | 26,069 | 157 | 11.1 | 0.6 | 26% | — |
| 7 | Basler Kantonalbank | 2002 | –/–/– | 1,275 | 16,522 | 64 | 5.0 | 0.4 | 83% | 7.7% |
| 8 | Union Bancaire Privée | 2002 | –/–/– | 1,145 | 11,921 | 155 | 13.5 | 1.3 | 26% | 19.1% |
| 9 | Julius Baer Holding | 2002 | –/P-1/– | 1,118 | 8,962 | 132 | 11.8 | 1.5 | 37% | 23.40% |
| 10 | Valiant Holding | 2002 | –/–/– | 940 | 12,615 | 57 | 6.1 | 0.5 | 15% | 11.3% |
| 11 | Migrosbank | 2002 | –/–/– | 931 | 17,949 | 39 | 4.1 | 0.2 | 81% | 5.9% |
| 12 | Luzerner Kantonalbank | 2002 | –/–/– | 925 | 12,663 | 65 | 7.0 | 0.5 | 32% | 10.1% |
| 13 | Berner Kantonalbank | 2002 | –/–/– | 892 | 13,928 | 49 | 5.5 | 0.4 | 14% | 13.5% |
| 14 | Graubündner Kantonalbank | 2002 | –/–/– | 876 | 9,003 | 34 | 3.9 | 0.4 | 26% | 14.0% |
| 15 | Banque Cantonale Vaudoise | 2002 | –/–/– | 841 | 25,325 | -865 | -102.8 | -3.4 | 111% | 5.5% |
| 16 | St Gallische Kantonalbank | 2002 | Aa2/P-1/B | 804 | 13,199 | 71 | 8.9 | 0.5 | 153% | 9.1% |
| 17 | Basellandschaftliche Kantonalbank | 2002 | –/–/– | 695 | 10,245 | 104 | 14.9 | 1.0 | 12% | — |
| 18 | Aargauische Kantonalbank | 2002 | –/–/– | 677 | 9,636 | 106 | 15.7 | 1.1 | 17% | — |
| 19 | Thurgauer Kantonalbank | 2002 | –/–/– | 672 | 10,133 | 29 | 4.3 | 0.3 | 28% | — |
| 20 | Vontobel Holding | 2002 | –/–/– | 611 | 2,992 | 1 | 0.2 | 0.0 | 41% | 32.1% |
| 21 | Banca del Gottardo | 2002 | –/–/– | 598 | 8,909 | -116 | -19.3 | -1.3 | 46% | 10.0% |
| 22 | Bank Sarasin & Cie | 2002 | –/–/– | 543 | 5,873 | -227 | -41.9 | -3.9 | 24% | 23.7% |
| 23 | Zuger Kantonalbank | 2002 | –/–/– | 512 | 6,418 | 24 | 4.6 | 0.4 | 16% | — |
| 24 | Schwyzer Kantonalbank | 2002 | –/–/– | 510 | 6,129 | 25 | 4.9 | 0.4 | 23% | — |
| 25 | BSI | 2001 | A1/P-1/C+ | 500 | 5,845 | 125 | 24.9 | 2.1 | 23% | 10.8% |
| Tahiti | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Banque Socredo | 2001 | –/–/– | 163 | 1,259 | 9 | 5.5 | 0.7 | — | — |
| Taiwan | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Bank of Taiwan | 2002 | A1/P-1/C | 5,247 | 67,026 | 32 | 0.6 | 0.0 | 55% | — |
| 2 | China Development Industrial Bank | 2002 | Baa2/P-3/C- | 4,338 | 6,296 | 215 | 5.0 | 3.4 | 173% | — |
| 3 | Land Bank of Taiwan | 2002 | A2/P-1/D+ | 2,313 | 44,591 | 45 | 2.0 | 0.1 | 73% | — |
| 4 | Chinatrust Commercial Bank, | 2002 | Baa1/P-2/C- | 2,307 | 24,520 | 208 | 9.0 | 0.9 | 78% | — |
| 5 | International Commercial Bank of China | 2002 | A2/P-1/C- | 1,793 | 28,013 | 87 | 4.9 | 0.3 | 87% | — |
| 6 | Taiwan Cooperative Bank | 2002 | –/–/– | 1,741 | 53,971 | 103 | 5.9 | 0.2 | 67% | — |
| 7 | First Commercial Bank | 2002 | A3/P-1/D | 1,654 | 37,819 | -714 | -43.2 | -1.9 | 70% | — |
| 8 | Chiao Tung Bank | 2002 | A3/P-2/D- | 1,586 | 17,030 | 118 | 7.4 | 0.7 | 120% | — |
| 9 | United World Chinese Commercial Bank | 2002 | A3/P-1/C- | 1,560 | 18,841 | -245 | -15.7 | -1.3 | 67% | — |
| 10 | Chang Hwa Commercial Bank | 2002 | A3/P-1/D | 1,512 | 34,704 | -712 | -47.1 | -2.1 | 79% | — |
| 11 | Hua Nan Commercial Bank, | 2002 | A3/P-1/D | 1,435 | 37,973 | -785 | -54.7 | -2.1 | 75% | — |
| 12 | Taipei Bank | 2002 | –/–/– | 1,398 | 19,158 | 145 | 10.4 | 0.8 | 74% | — |
| 13 | Shanghai Commercial & Savings Bank | 2002 | –/–/– | 1,240 | 10,174 | 24 | 1.9 | 0.2 | 64% | — |
| 14 | Taiwan Business Bank | 2002 | –/–/– | 1,128 | 26,798 | -28 | -2.5 | -0.1 | 73% | — |
| 15 | Taishin International Bank | 2002 | –/–/– | 1,020 | 14,370 | 118 | 11.5 | 0.8 | 82% | — |
| 16 | International Bank of Taipei | 2002 | –/–/– | 892 | 9,698 | 62 | 7.0 | 0.6 | 74% | — |
| 17 | Fubon Commercial Bank | 2002 | Baa2/P-3/D+ | 797 | 7,740 | 22 | 2.8 | 0.3 | 65% | — |
| 18 | Bank Sinopac | 2002 | Baa2/P-3/D+ | 722 | 11 | 65 | 9.0 | 597.9 | 80% | — |
| 19 | Cosmos Bank | 2002 | –/–/– | 536 | 6,304 | 34 | 6.4 | 0.5 | 69% | — |
| 20 | E. Sun Commercial Bank | 2002 | Baa2/P-3/D | 517 | 7,872 | -101 | -19.6 | -1.3 | 68% | — |
| Thailand | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Krung Thai Bank | 2002 | Ba1/NP/E+ | 1,511 | 24,558 | 186 | 12.3 | 0.8 | 53% | 11.7% |
| 2 | Bangkok Bank | 2002 | Ba1/NP/D | 1,292 | 29,024 | 145 | 11.3 | 0.5 | 64% | 7.2% |
| 3 | Siam Commercial Bank | 2002 | Ba1/NP/D- | 1,231 | 15,678 | -290 | -23.5 | -1.8 | 71% | 8.1% |
| 4 | KASIKORNBANK PCL [1] | 2002 | Ba1/NP/D | 822 | 17,652 | 155 | 18.9 | 0.9 | 66% | 8.4% |
| 5 | Siam City Bank [2] | 2002 | Ba2/NP/E+ | 811 | 11,280 | 20 | 2.5 | 0.2 | 25% | 14.5% |
| 6 | Bank of Ayudhya | 2002 | Ba2/NP/E+ | 396 | 10,871 | 49 | 12.4 | 0.5 | 91% | 6.0% |
| 7 | Thai Military Bank | 2002 | Ba2/NP/E+ | 331 | 9,078 | -4 | -1.1 | 0.0 | 88% | 7.7% |
| 8 | Bank of Asia | 2002 | Ba1/NP/D | 272 | 3,742 | -70 | -25.8 | -1.9 | 77% | 8.9% |
| 9 | BankThai | 2001 | –/–/–/– | 261 | 6,146 | 25 | 9.7 | 0.4 | 88% | — |
| [1] Previously known as Thai Farmers Bank Public Co. | ||||||||||
| [2] Merged with Bangkok Metropolitan Bank in April 2002 | ||||||||||
| Togo | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Ecobank | 2001 | –/–/– | 6 | 83 | 1 | 23.6 | 1.7 | 54% | — |
| Trinidad & Tobago | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Republic Bank | 2002 | –/–/– | 453 | 2,108 | 71 | 15.7 | 3.4 | 75% | — |
| 2 | Royal Bank of Trinidad | 2002 | –/–/– | 143 | 1,213 | 19 | 13.3 | 1.6 | 60% | — |
| 3 | First Citizens Bank | 2002 | –/–/– | 119 | 935 | 21 | 17.6 | 2.2 | 98% | — |
| Tunisia | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Société Tunisienne de Banque | 2001 | Baa2/NP/E+ | 288 | 2,668 | 28 | 9.7 | 1.0 | 127% | — |
| 2 | Banque Nationale Agricole | 2001 | Baa2/NP/E+ | 242 | 2,243 | 16 | 6.8 | 0.7 | 133% | — |
| 3 | BIAT | 2001 | Baa2/NP/D | 156 | 1,810 | 23 | 14.7 | 1.3 | 80% | — |
| 4 | Banque de Tunisie | 2001 | Baa2/NP/D+ | 122 | 945 | 20 | 16.1 | 2.1 | 115% | — |
| Turkey | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Turkiye Is Bankasi [1] | 2002 | B3/NP/D | 2,584 | 14,438 | 189 | 7.3 | 1.3 | 47% | — |
| 2 | TC Ziraat Bankasi [2] | 2001 | B3/NP/E+ | 1,935 | 20,198 | -593 | -30.7 | -2.9 | 22% | — |
| 3 | Akbank [2] | 2002 | B3/NP/D+ | 1,904 | 15,108 | 414 | 21.7 | 2.7 | 35% | — |
| 4 | Yapi Kredi Bankasi [1] | 2002 | B3/NP/E | 1,526 | 11,453 | 670 | 43.9 | 5.9 | 55% | — |
| 5 | Turkiye Halk Bankasi [3] | 2002 | –/–/– | 1,120 | 10,587 | 368 | 32.9 | 3.5 | 11% | — |
| 6 | Turkiye Garanti Bankasi [1] | 2002 | B3/NP/D+ | 1,011 | 11,902 | 75 | 7.4 | 0.6 | 43% | — |
| 7 | Turk Dis Ticaret Bankasi [2] | 2002 | B3/NP/D+ | 356 | 2,966 | 24 | 6.9 | 0.8 | 73% | — |
| 8 | Finansbank [1] | 2002 | B3/NP/D+ | 326 | 2,997 | 115 | 35.2 | 3.8 | 58% | — |
| 9 | Kocbank [2] | 2002 | B3/NP/D- | 227 | 3,970 | -17 | -7.3 | -0.4 | 53% | — |
| (1) TGAAP inflation adjusted, bank only | ||||||||||
| (2) IAS inflation adjusted | ||||||||||
| (3) IAS non-inflation adjusted, bank only | ||||||||||
| Ukraine | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Prominvestbank | 2002 | –/–/– | 150 | 1,003 | 14 | 9.5 | 1.4 | 113% | — |
| 2 | Aval | 2002 | –/–/– | 109 | 1,138 | 1 | 0.7 | 0.1 | 110% | — |
| 3 | Privatbank | 2002 | –/–/– | 100 | 1,238 | 27 | 27.4 | 2.2 | 109% | — |
| United Arab Emirates | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | National Bank of Dubai | 2002 | –/–/– | 1,495 | 9,575 | 155 | 10.4 | 1.6 | 34% | — |
| 2 | Emirates Bank International PJSC | 2002 | A2/P-2/C- | 1,318 | 7,411 | 153 | 11.6 | 2.1 | 115% | — |
| 3 | Abu Dhabi Commercial Bank | 2002 | A2/P-2/D- | 1,112 | 7,538 | 161 | 14.5 | 2.1 | 95% | — |
| 4 | National Bank of Abu Dhabi | 2002 | A2/P-2/C- | 972 | 10,632 | 178 | 18.3 | 1.7 | 84% | — |
| 5 | MashreqBank psc | 2002 | Baa3/P-3/D+ | 900 | 6,449 | 137 | 15.3 | 2.1 | 75% | — |
| 6 | Commercial Bank of Dubai | 2002 | –/–/– | 401 | 2,165 | 64 | 15.8 | 2.9 | 92% | — |
| 7 | Arab Bank for Investment & Foreign Trade (Arbift) | 2002 | –/–/– | 344 | 1,579 | 8 | 2.3 | 0.5 | 110% | — |
| United Kingdom | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | HSBC Holdings | 2002 | Aa2/P-1/B+ * | 58,959 | 759,246 | 6,239 | 10.6 | 0.8 | 71% | 9.0% |
| 2 | Royal Bank of Scotland Group | 2002 | Aa1/P-1/A- * | 46,338 | 660,807 | 3,161 | 6.8 | 0.5 | 102% | 7.3% |
| 3 | Barclays | 2002 | Aa1/P-1/A- | 24,638 | 646,478 | 3,577 | 14.5 | 0.6 | 118% | 8.2% |
| 4 | HBOS | 2002 | Aa2/P-1/B+ * | 22,084 | 569,513 | 3,073 | 13.9 | 0.5 | 156% | 7.9% |
| 5 | Lloyds TSB Group | 2002 | Aaa/P-1/A * | 13,959 | 405,399 | 2,857 | 20.5 | 0.7 | 116% | 7.8% |
| 6 | Standard Chartered | 2002 | A2/P-1/C | 12,151 | 181,257 | 1,354 | 11.1 | 0.7 | 80% | 8.6% |
| 7 | Abbey National | 2002 | Aa3/P-1/B | 11,258 | 329,956 | -2,181 | -19.4 | -0.7 | 118% | 9.2% |
| 8 | Nationwide Building Society | 2002 | Aa3/P-1/B | 5,584 | 106,910 | 335 | 6.0 | 0.3 | 95% | 10.4% |
| 9 | Alliance & Leicester | 2002 | A1/P-1/B | 2,758 | 66,159 | 545 | 19.7 | 0.8 | 122% | 8.5% |
| 10 | Bradford & Bingley | 2002 | A1/P-1/B | 2,024 | 40,717 | 275 | 13.6 | 0.7 | 116% | 9.6% |
| 11 | Northern Rock | 2002 | A2/P-1/C+ | 1,940 | 52,392 | 368 | 19.0 | 0.7 | 139% | 9.3% |
| 12 | Britannia Building Society | 2002 | A2/P-1/C+ | 1,652 | 29,946 | 135 | 8.2 | 0.5 | 103% | — |
| 13 | Yorkshire Building Society | 2002 | A2/P-1/C+ | 1,165 | 21,694 | 74 | 6.3 | 0.3 | 101% | 11.8% |
| United States | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Citigroup | 2002 | Aa1/P-1/A- * | 86,718 | 1,097,190 | 15,276 | 17.6 | 1.4 | 308% | 8.5% |
| 2 | Bank of America Corporation | 2002 | Aa1/P-1/A- * | 50,319 | 660,458 | 9,249 | 18.4 | 1.4 | 110% | 8.2% |
| 3 | J.P. Morgan Chase | 2002 | Aa3/P-1/B * | 42,306 | 758,800 | 1,663 | 3.9 | 0.2 | 158% | 8.2% |
| 4 | Wachovia Corporation | 2002 | Aa2/P-1/B+ * | 32,078 | 341,839 | 3,579 | 11.2 | 1.0 | 98% | 8.2% |
| 5 | Wells Fargo & Company | 2002 | Aa1/P-1/A * | 30,358 | 349,259 | 5,434 | 17.9 | 1.6 | 130% | 7.6% |
| 6 | BANK ONE CORPORATION | 2002 | Aa2/P-1/B+ * | 22,440 | 277,383 | 3,295 | 14.7 | 1.2 | 103% | 9.9% |
| 7 | Washington Mutual | 2002 | A2/P-1/C+ * | 20,134 | 268,298 | 3,896 | 19.4 | 1.5 | 116% | — |
| 8 | U.S. Bancorp | 2002 | Aa2/P-1/B+ * | 18,101 | 180,027 | 3,289 | 18.2 | 1.8 | 114% | 7.8% |
| 9 | FleetBoston Financial | 2002 | Aa3/P-1/B * | 16,833 | 190,589 | 1,188 | 7.1 | 0.6 | 106% | 8.2% |
| 10 | MBNA Corporation | 2002 | A3/P-2/C * | 9,101 | 52,867 | 1,766 | 19.4 | 3.3 | 153% | 15.7% |
| 11 | SunTrust Banks | 2002 | Aa2/P-1/B+ * | 8,769 | 117,323 | 1,332 | 15.2 | 1.1 | 120% | 7.5% |
| 12 | Fifth Third Bancorp | 2002 | Aa1/P-1/A- * | 8,466 | 80,899 | 1,635 | 19.3 | 2.0 | 104% | 11.7% |
| 13 | National City Corporation | 2002 | Aa3/P-1/B * | 8,306 | 118,256 | 1,594 | 19.2 | 1.3 | 178% | 7.6% |
| 14 | HSBC USA | 2002 | Aa3/P-1/B- * | 7,397 | 89,426 | 855 | 11.6 | 1.0 | 125% | 9.4% |
| 15 | BB&T Corporation | 2002 | Aa3/P-1/B * | 7,388 | 80,217 | 1,303 | 17.6 | 1.6 | 122% | 9.2% |
| 16 | PNC Financial Services Group | 2002 | A1/P-1/B- * | 6,859 | 66,410 | 1,184 | 17.3 | 1.8 | 86% | 8.8% |
| 17 | KeyCorp | 2002 | A1/P-1/B- * | 6,835 | 84,710 | 976 | 14.3 | 1.2 | 152% | 8.1% |
| 18 | Bank of New York | 2002 | Aa2/P-1/B+ * | 6,684 | 77,564 | 902 | 13.5 | 1.2 | 125% | 7.6% |
| 19 | Citizens Financial Group, | 2002 | Aa2/P-1/C+ * | 6,544 | 62,354 | 545 | 8.3 | 0.9 | 71% | 7.9% |
| 20 | Golden West Financial Corp. | 2002 | Aa3/P-1/B * | 5,025 | 68,406 | 958 | 19.1 | 1.4 | 142% | — |
| 21 | Comerica Incorporated | 2002 | A1/P-1/B- * | 4,947 | 53,410 | 601 | 12.2 | 1.1 | 117% | 8.1% |
| 22 | State Street Corporation | 2002 | Aa2/P-1/B+ * | 4,788 | 85,794 | 1,015 | 21.2 | 1.2 | 200% | 17.1% |
| 23 | SouthTrust Corporation | 2002 | A1/P-1/B- * | 4,628 | 50,758 | 650 | 14.0 | 1.3 | 135% | 8.1% |
| 24 | Deutsche Bank Trust Corporation | 2002 | A1/P-1/C * | 4,545 | 58,083 | -135 | -3.0 | -0.2 | 166% | 14.6% |
| 25 | Regions Financial Corporation | 2002 | Aa3/P-1/B * | 4,178 | 48,181 | 620 | 14.8 | 1.3 | 124% | 9.0% |
| 26 | Charles Schwab Corporation | 2002 | A2/P-1/C+ * | 4,011 | 39,705 | 109 | 2.7 | 0.3 | 296% | 22.5% |
| 27 | BancWest Corporation | 2002 | Aa3/P-1/B- * | 3,996 | 34,748 | 358 | 9.0 | 1.0 | 120% | 2.4% |
| 28 | Bankmont Financial Corp. | 2002 | Aa3/P-1/B * | 3,814 | 36,690 | 200 | 5.3 | 0.5 | 112% | 11.1% |
| 29 | UnionBanCal Corporation | 2002 | A1/P-1/B- * | 3,758 | 40,193 | 528 | 14.0 | 1.3 | 92% | 11.2% |
| 30 | ABN AMRO North America Holding | 2002 | Aa3/P-1/B- * | 3,403 | 139,605 | 470 | 13.8 | 0.3 | 156% | 4.5% |
| 31 | Mellon Financial Corporation | 2002 | Aa3/P-1/B * | 3,395 | 36,306 | 682 | 20.1 | 1.9 | 65% | 7.9% |
| 32 | Union Planters Corporation | 2002 | A1/P-1/B- * | 3,226 | 34,144 | 529 | 16.4 | 1.5 | 115% | 9.4% |
| 33 | M&T Bank Corporation [2] | 2002 | A2/P-1/C+ * | 3,182 | 33,175 | 485 | 15.2 | 1.5 | 141% | 7.9% |
| 34 | AmSouth Bancorporation | 2002 | A1/P-1/B * | 3,116 | 40,598 | 609 | 19.5 | 1.5 | 109% | 7.8% |
| 35 | Charter One Financial, | 2002 | A2/P-1/C+ * | 3,084 | 41,896 | 578 | 18.7 | 1.4 | 101% | 9.1% |
| 36 | Marshall & Ilsley Corporation | 2002 | Aa3/P-1/B * | 3,037 | 32,933 | 480 | 15.8 | 1.5 | 141% | 8.7% |
| 37 | Northern Trust Corporation | 2002 | Aa3/P-1/B * | 3,000 | 39,478 | 447 | 14.9 | 1.1 | 135% | 11.1% |
| 38 | Sovereign Bancorp, | 2002 | Baa1/P-2/C- * | 2,764 | 39,524 | 342 | 12.4 | 0.9 | 85% | — |
| 39 | National Commerce Financial Corporation | 2002 | A2/P-1/C+ * | 2,682 | 21,489 | 324 | 12.1 | 1.5 | 111% | 10.9% |
| 40 | RBC Centura Banks | 2002 | Aa3/P-1/C * | 2,441 | 15,924 | 100 | 4.1 | 0.6 | 120% | 10.6% |
| 41 | Popular | 2002 | A2/P-1/C+ * | 2,411 | 33,660 | 352 | 14.6 | 1.0 | 137% | 9.9% |
| 42 | Zions Bancorp. | 2002 | A2/P-1/C+ * | 2,374 | 26,566 | 256 | 10.8 | 1.0 | 101% | 9.3% |
| 43 | Huntington Bancshares Incorporated | 2002 | A1/P-1/B- * | 2,302 | 27,702 | 363 | 15.8 | 1.3 | 139% | 8.7% |
| 44 | Banknorth Group, | 2002 | A3/P-1/C * | 2,063 | 23,400 | 299 | 14.5 | 1.3 | 96% | 9.7% |
| 45 | Synovus Financial Corp. | 2002 | A1/P-1/B- * | 2,041 | 19,047 | 365 | 17.9 | 1.9 | 135% | 11.4% |
| 46 | Compass Bankshares | 2002 | A1/P-1/B- * | 1,932 | 23,979 | 314 | 16.3 | 1.3 | 123% | 9.6% |
| 47 | GreenPoint Financial Corp. | 2002 | A3/P-2/C * | 1,924 | 21,814 | 503 | 26.2 | 2.3 | 144% | 11.4% |
| 48 | Allfirst Financial [2] | 2002 | –/–/– | 1,752 | 17,027 | 186 | 10.6 | 1.1 | 101% | 8.5% |
| 49 | First Tennessee National Corporation | 2002 | A1/P-1/B- * | 1,691 | 23,825 | 376 | 22.3 | 1.6 | 147% | 8.9% |
| 50 | Hibernia Corporation | 2002 | A3/P-1/C * | 1,681 | 17,393 | 250 | 14.9 | 1.4 | 107% | 10.6% |
| [1] Owned by BNP Paribas | ||||||||||
| [2] Allfirst merged into M&T in April 2003. | ||||||||||
| Venezuela | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Banesco Banco Universal | 2002 | Caa1/NP/E+ | 391 | 2,063 | 121 | 31.0 | 5.9 | 42% | — |
| 2 | Banco de Venezuela Grupo Santander | 2002 | Caa1/NP/E+ | 391 | 2,515 | 168 | 43.1 | 6.7 | 54% | — |
| 3 | BBVA Banco Provincial | 2002 | Caa1/NP/E+ | 390 | 2,394 | 147 | 37.7 | 6.1 | 63% | — |
| 4 | Banco Mercantil | 2002 | Caa1/NP/E+ | 361 | 2,545 | 151 | 41.8 | 5.9 | 60% | — |
| 5 | Banco Occidental de Descuento | 2002 | –/–/– | 208 | 1,168 | 41 | 19.5 | 3.5 | 63% | — |
| Vietnam | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Bank for Foreign Trade of Vietnam (Vietcombank) | 2001 | –/–/– | 135 | 5,084 | 21 | 15.4 | 0.4 | 26% | — |
| 2 | Industrial & Commercial Bank of Vietnam | 2001 | –/–/– | 121 | 3,868 | 10 | 8.4 | 0.3 | 90% | — |
| 3 | Asia Commercial Bank | 2001 | –/–/– | 29 | 491 | 6 | 20.8 | 1.2 | 40% | — |
| Yemen | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | National Bank of Yemen | 2001 | –/–/– | 16 | 219 | 4 | 22.8 | 1.7 | 5% | — |
| 2 | Yemen Commercial Bank | 2001 | –/–/– | 7 | 157 | 0 | 0.0 | 0.0 | 37% | — |
| 3 | Yemen Gulf Bank | 2001 | –/–/– | 7 | 19 | 0 | -6.6 | -2.3 | 25% | — |
| Zimbabwe | Bank | Fiscal period | Moody’s Ratings (as of May 12th, 2003) | Shareholder equity ($m) | Total assets ($m) | Net income ($m) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio |
| 1 | Commercial Bank of Zimbabwe | 2001 | –/–/– | 61 | 681 | 7 | 12.1 | 1.1 | 47% | — |
| 2 | NMB Bank (1) | 2001 | –/–/– | 58 | 554 | 16 | 27.2 | 2.9 | — | — |
| 3 | First Banking Corporation | 2002 | –/–/– | 45 | 817 | 27 | 61.1 | 3.3 | 21% | 15.0% |
| (1) Inflation adjusted |
