| Africa |
| Rank ’05 |
Rank ’04 |
Bank |
Country |
Fiscal period |
Moody’s ratings |
Shareholder equity ($mn) |
Total assets ($mn) |
Net income ($mn) |
RoE, period ($mn) |
RoE, period end (%) |
Loans % Deposits |
Tier 1 capital ratio (%) |
| 1 |
1 |
Stanbic |
South Africa |
2003 |
Baa2/P-2/C+ |
5,284 |
81,384 |
804 |
15.2 |
1 |
80.8 |
11.40% |
| 2 |
4 |
ABSA |
South Africa |
2004 |
Baa1/P-2/C- |
3,073 |
48,304 |
723 |
23.5 |
1.5 |
123.8 |
– |
| 3 |
2 |
First Rand Bank Group |
South Africa |
2003 |
Baa2/P-2/C |
2,514 |
40,238 |
536 |
21.3 |
1.3 |
100.6 |
8.80% |
| 4 |
3 |
Nedcor |
South Africa |
2003 |
Baa2/P-2/C |
2,274 |
47,076 |
-201 |
-8.8 |
-0.4 |
112.8 |
5.00% |
| 5 |
5 |
Investec Group |
South Africa |
2003 |
Baa2/P-2/C- |
1,263 |
25,990 |
-126 |
-10 |
-0.5 |
62.8 |
– |
| 6 |
6 |
National Bank of Egypt |
Egypt |
2004 |
Ba2/NP/D+ |
1,029 |
21,283 |
21 |
2.1 |
0.1 |
55.9 |
– |
| 7 |
7 |
Banque Commerciale du Maroc |
Morocco |
2003 |
Ba2/NP/C- |
695 |
6,570 |
49 |
7.1 |
0.8 |
51.1 |
– |
| 8 |
8 |
BMCE Bank |
Morocco |
2004 |
Ba2/NP/D+ |
688 |
7,819 |
62 |
9 |
0.8 |
48.7 |
– |
| 9 |
9 |
Banque Misr |
Egypt |
2004 |
Ba2/NP/E+ |
557 |
14,723 |
21 |
3.8 |
0.1 |
40.7 |
– |
| 10 |
10 |
Commercial International Bank |
Egypt |
2004 |
Ba2/NP/C- |
476 |
4,563 |
82 |
17.3 |
1.8 |
55.9 |
– |
| 11 |
12 |
Banque Centrale Populaire |
Morocco |
2003 |
–/–/– |
460 |
6,934 |
43 |
9.4 |
0.6 |
155.7 |
– |
| 12 |
11 |
Banque du Caire |
Egypt |
2003 |
Ba2/NP/D- |
401 |
7,245 |
9 |
2.2 |
0.1 |
68.4 |
– |
| 13 |
13 |
Wafabank |
Morocco |
2003 |
Ba2/NP/D+ |
354 |
4,245 |
-45 |
-12.7 |
-1.1 |
53.4 |
– |
| 14 |
14 |
Société Tunisienne de Banque |
Tunisia |
2003 |
Baa2/P-2/E+ |
354 |
3,315 |
15 |
4.3 |
0.5 |
131.7 |
– |
| 15 |
20 |
First Bank of Nigeria |
Nigeria |
2004 |
–/–/– |
317 |
2,881 |
86 |
27.1 |
3 |
33.2 |
– |
| 16 |
15 |
Union Bank of Nigeria |
Nigeria |
2004 |
–/–/– |
312 |
3,140 |
67 |
21.5 |
2.1 |
31.2 |
– |
| 17 |
18 |
Banque Nationale Agricole |
Tunisia |
2003 |
–/–/– |
293 |
2,875 |
12 |
4.2 |
0.4 |
119.9 |
9.40% |
|
| Middle East |
| Rank ’05 |
Rank ’04 |
Bank |
Country |
Fiscal period |
Moody’s ratings |
Shareholder equity ($mn) |
Total assets ($mn) |
Net income ($mn) |
RoE, period ($mn) |
RoE, period end (%) |
Loans % Deposits |
Tier 1 capital ratio (%) |
| 1 |
2 |
Turkiye Is Bankasi |
Turkey |
2004 |
B2/NP/D |
5,704 |
28,752 |
474 |
8.3 |
1.6 |
63.4 |
– |
| 2 |
3 |
Akbank |
Turkey |
2004 |
B2/NP/D+ |
4,628 |
26,445 |
765 |
16.5 |
2.9 |
58.6 |
– |
| 3 |
1 |
TC Ziraat Bankasi |
Turkey |
2004 |
B2/NP/E+ |
3,823 |
42,599 |
1,092 |
28.6 |
2.6 |
20.3 |
– |
| 4 |
4 |
Bank Hapoalim |
Israel |
2004 |
A2/P-1/C |
3,763 |
60,608 |
487 |
13 |
0.8 |
88.3 |
7.40% |
| 5 |
5 |
Bank Leumi |
Israel |
2004 |
A2/P-1/C |
3,530 |
59,160 |
431 |
12.2 |
0.7 |
80.8 |
7.50% |
| 6 |
7 |
Yapi Kredi Bankasi |
Turkey |
2004 |
B2/NP/E |
3,464 |
18,383 |
-44 |
-1.3 |
-0.2 |
87.2 |
– |
| 7 |
6 |
Arab Bank |
Jordan |
2004 |
Ba3/NP/C+ |
3,285 |
27,336 |
319 |
9.7 |
1.2 |
58.6 |
– |
| 8 |
8 |
Samba Financial Group |
Saudi Arabia |
2004 |
Baa2/P-2/C+ |
2,509 |
25,351 |
669 |
26.7 |
2.6 |
71.9 |
14.60% |
| 9 |
9 |
Riyad Bank |
Saudi Arabia |
2004 |
Baa2/P-2/C- |
2,397 |
19,826 |
536 |
22.4 |
2.7 |
68.2 |
17.70% |
| 10 |
12 |
Turkiye Garanti Bankasi |
Turkey |
2004 |
B2/NP/D+ |
2,366 |
19,610 |
336 |
14.2 |
1.7 |
81.7 |
– |
| 11 |
14 |
Turkiye Halk Bankasi |
Turkey |
2004 |
–/–/– |
2,246 |
19,053 |
394 |
17.5 |
2.1 |
31.4 |
– |
| 12 |
13 |
National Bank of Kuwait |
Kuwait |
2004 |
A2/P-1/B- |
2,216 |
18,911 |
592 |
26.7 |
3.1 |
84.6 |
– |
| 13 |
11 |
Al-Rajhi Banking and Investment Corporation |
Saudi Arabia |
2003 |
Baa2/P-2/D+ |
1,936 |
17,271 |
544 |
28.1 |
3.1 |
114.8 |
24.40% |
| 14 |
10 |
Arab Banking Corp |
Bahrain |
2004 |
Baa3/N-3/D+ |
1,892 |
14,922 |
579 |
30.6 |
3.9 |
118.3 |
15.70% |
| 15 |
18 |
Emirates Bank International PJSC |
UAE |
2004 |
A1/P-1/C- |
1,585 |
10,364 |
281 |
17.8 |
2.7 |
132.7 |
– |
| 16 |
17 |
Israel Discount Bank |
Israel |
2004 |
A2/P-1/D+ |
1,581 |
33,086 |
129 |
8.1 |
0.4 |
63.7 |
6.90% |
| 17 |
16 |
Gulf International Bank |
Bahrain |
2004 |
Baa1/P-2/C- |
1,575 |
19,087 |
150 |
9.5 |
0.8 |
87.1 |
9.40% |
| 18 |
– |
Al Bank Al Saudi Al Fransi |
Saudi Arabia |
2004 |
Baa2/P-2/C |
1,459 |
15,934 |
410 |
28.1 |
2.6 |
72.2 |
12.60% |
| 19 |
21 |
Saudi British Bank |
Saudi Arabia |
2004 |
Baa2/P-2/C |
1,438 |
15,467 |
437 |
30.4 |
2.8 |
70.8 |
14.00% |
| 20 |
19 |
Qatar National Bank |
Qatar |
2003 |
A3/P-2/D+ |
1,391 |
9,558 |
176 |
12.7 |
1.8 |
96 |
27.00% |
| 21 |
27 |
Kuwait Finance House |
Kuwait |
2004 |
A2/P-2/D+ |
1,338 |
11,734 |
304 |
22.7 |
2.6 |
77.7 |
– |
| 22 |
24 |
MashreqBank |
UAE |
2004 |
A2/P-1/C- |
1,334 |
8,699 |
225 |
16.8 |
2.6 |
84.5 |
– |
| 23 |
23 |
National Bank of Abu Dhabi |
UAE |
2004 |
A1/P-1/C |
1,309 |
15,339 |
310 |
23.7 |
2 |
91.9 |
– |
| 24 |
15 |
National Bank of Dubai |
UAE |
2004 |
–/–/– |
1,304 |
10,965 |
253 |
19.4 |
2.3 |
52.8 |
– |
| 25 |
25 |
Arab National Bank |
Saudi Arabia |
2004 |
Baa2/P-2/C- |
1,280 |
16,912 |
312 |
24.4 |
1.8 |
61.7 |
14.20% |
|
| Asia |
| Rank ’05 |
Rank ’04 |
Bank |
Country |
Fiscal period |
Moody’s ratings |
Shareholder equity ($mn) |
Total assets ($mn) |
Net income ($mn) |
RoE, period ($mn) |
RoE, period end (%) |
Loans % Deposits |
Tier 1 capital ratio (%) |
| 1 |
1 |
Mizuho Financial Group |
Japan |
2004 |
A1/P-1/D- |
44,990 |
1,324,075 |
3,912 |
8.7 |
0.3 |
98 |
5.80% |
| 2 |
2 |
Mitsubishi Tokyo Financial Grp |
Japan |
2004 |
A1/P-1/D- |
44,654 |
1,024,804 |
5,391 |
12.1 |
0.5 |
70.5 |
7.10% |
| 3 |
3 |
Sumitomo Mitsui Financial Grp |
Japan |
2004 |
A1/P-1/E+ |
39,070 |
982,508 |
3,176 |
8.1 |
0.3 |
84.8 |
6.00% |
| 4 |
4 |
Bank of China |
China |
2003 |
A2/P-1/D- |
25,445 |
464,196 |
555 |
2.2 |
0.1 |
61.3 |
7.10% |
| 5 |
9 |
Norinchukin Bank |
Japan |
2004 |
A1/P-1/D+ |
24,304 |
594,348 |
1,390 |
5.7 |
0.2 |
43.6 |
7.50% |
| 6 |
5 |
UFJ Holdings |
Japan |
2004 |
A1/P-1/E+ |
23,939 |
789,489 |
-3,872 |
-16.2 |
-0.5 |
80.2 |
4.70% |
| 7 |
10 |
China Construction Bank |
China |
2003 |
A2/P-1/E+ |
22,525 |
429,373 |
50 |
0.2 |
0 |
68.8 |
5.90% |
| 8 |
8 |
Hongkong Shanghai Bank |
Hong Kong |
2004 |
A1/P-1/B |
21,013 |
315,349 |
4,304 |
20.5 |
1.4 |
48.9 |
11.40% |
| 9 |
6 |
Industrial & Commercial Bank of China (ICBC) |
China |
2003 |
A2/P-1/E+ |
20,913 |
637,828 |
299 |
1.4 |
0 |
73.2 |
4.80% |
| 10 |
7 |
Agricultural Bank of China |
China |
2003 |
A2/P-1/E |
16,683 |
422,136 |
232 |
1.4 |
0.1 |
74.7 |
– |
| 11 |
11 |
DBS Bank Ltd |
Singapore |
2004 |
Aa2/P-1/B- |
10,805 |
107,589 |
1,237 |
11.4 |
1.1 |
61.5 |
11.30% |
| 12 |
20 |
Resona Holdings |
Japan |
2004 |
A3/P-2/D- |
10,667 |
382,966 |
-15,994 |
-149.9 |
-4.2 |
79.9 |
3.90% |
| 13 |
15 |
Kookmin Bank |
South Korea |
2004 |
A3/P-2/D+ |
8,875 |
176,560 |
532 |
6 |
0.3 |
104.6 |
6.90% |
| 14 |
14 |
Shinkin Central Bank |
Japan |
2004 |
A1/P-1/C+ |
8,603 |
261,488 |
397 |
4.6 |
0.2 |
52.8 |
15.10% |
| 15 |
16 |
Sumitomo Trust & Banking |
Japan |
2004 |
A2/P-1/D |
8,578 |
147,752 |
765 |
8.9 |
0.5 |
100.9 |
7.10% |
| 16 |
12 |
United Overseas Bank |
Singapore |
2004 |
Aa3/P-1/B |
8,326 |
82,661 |
890 |
10.7 |
1.1 |
81.4 |
11.00% |
| 17 |
13 |
Bank of China |
Hong Kong |
2004 |
A2/P-1//C- |
8,272 |
102,179 |
1,538 |
18.6 |
1.5 |
48.8 |
– |
| 18 |
23 |
Woori Bank |
South Korea |
2004 |
Baa1/P-2/D- |
7,352 |
104,820 |
1,928 |
26.2 |
1.8 |
104.7 |
7.80% |
| 19 |
17 |
Oversea-Chinese Banking Corp |
Singapore |
2004 |
Aa3/P-1/B |
7,190 |
73,470 |
712 |
9.9 |
1 |
92.4 |
12.60% |
| 20 |
18 |
Shinsei Bank |
Japan |
2004 |
Baa1/P-2/D |
7,026 |
60,977 |
638 |
9.1 |
1 |
134.6 |
16.20% |
| 21 |
25 |
National Agricultural Cooperative Federation |
South Korea |
2004 |
A3/P-2/D- |
6,179 |
178,573 |
666 |
10.8 |
0.4 |
92.1 |
6.70% |
| 22 |
19 |
Shokochukin Bank |
Japan |
2004 |
A2/P-1/E+ |
6,109 |
115,363 |
84 |
1.4 |
0.1 |
416.8 |
6.90% |
| 23 |
24 |
Shizuoka Bank |
Japan |
2004 |
A1/P-1/C+ |
5,771 |
77,928 |
259 |
4.5 |
0.3 |
73 |
11.30% |
| 24 |
22 |
Hang Seng Bank |
Hong Kong |
2004 |
A1/P-1/B |
5,647 |
70,356 |
1,461 |
25.9 |
2.1 |
54.4 |
10.80% |
| 25 |
35 |
Mitsui Trust Holdings |
Japan |
2004 |
Baa1/P-2/E+ |
5,495 |
122,591 |
4888.9 |
0.4 |
80.8 |
6.00% |
|