| Rank | Pro-forma rank |
Bank | Country | Fiscal period | Moody's Ratings (as of May 12th, 2003) | Share-holder equity ($m) | Equity growth (%) | Total assets ($m) | Asset growth (%) | Net income ($m) | Income growth (%) | RoE, period end (%) | RoA, period end (%) | Loans % Deposits | Tier 1 capital ratio (%) |
| 1 | 1 | Citigroup | United States | 2002 | Aa1/P-1/A- * | 86,718 | 6.7 | 1,097,190 | 4.4 | 15,276 | 8.1 | 17.6 | 1.4 | 308.1% | 8.5% |
| 2 | 3 | HSBC Holdings | United Kingdom | 2002 | Aa2/P-1/B+ * | 58,959 | 11.5 | 759,246 | 9.0 | 6,239 | 25.0 | 10.6 | 0.8 | 71.1% | 9.0% |
| 3 | 4 | Bank of America Corporation | United States | 2002 | Aa1/P-1/A- * | 50,319 | 3.7 | 660,458 | 6.2 | 9,249 | 36.2 | 18.4 | 1.4 | 109.9% | 8.2% |
| 4 | 2 | Mizuho Group (pro-forma) (1) | Japan | 2002 | A3/P-1/E * | 46,473 | -23.9 |