Sunday, 17 November 2024
The Strongest Banks Rankings
In this year’s The Asian Banker Strongest Banks By Balance Sheet evaluation, banks in Saudi Arabia and UAE remained the strongest in the Middle East, with the weighted average strength score of 3.93 and 3.76 out of five. Saudi banks continued to deliver robust financial performance, taking top five spots in the top 10 strongest banks list in the region.
On the contrary, the average strength scores for banks in Bahrain and Lebanon are lower than other Middle Eastern countries under evaluation. In addition to subdued balance sheet growth, banks in Bahrain and Lebanon posted much weaker profitability and asset quality than their regional peers amid the challenging operating environment.
The overall profitability of banks in the Middle East improved marginally in 2018. Banks’ operational efficiencies improved, reflected by the fall in the weighted average cost to income ratio of the 100 largest banks in the region from 38% in the previous year to 36.9%. Qatari banks enjoyed the lowest average cost to income ratio, while the ratio for banks in Jordan and Kuwait improved the most. The weighted average ROA went up to 1.65% in 2018 from 1.59% in 2017, and the average return on equity (ROE) was higher at 12.6% from12%. The average ROA of Saudi banks on the list improved further to 2.3%, the highest in the region.
Meanwhile, Middle Eastern banks remained well-capitalised, with capital adequacy ratio (CAR) averaging 18.3% and Tier 1 capital ratio averaging 16.8% in 2018. Despite the slight decline, the average CAR of Saudi banks remained the highest in the region, at 20.3% in 2018. Banks in Qatar, Lebanon and Oman have seen an increase in their average CAR. Despite the challenging operating environment, the overall asset quality of banks in the region stayed relatively sound. Nevertheless, the overall balance sheet growth was weak in 2018, with banks registering the average loan growth and deposit growth of 2.7% and 4.5%, respectively.
Looking forward, most banking systems in the region are expected to remain resilient, despite challenges. Some changes in the rankings are expected in the near future, as the recent mergers and acquisitions drive in the region is expected to create larger and stronger banks. In the face of subdued growth, rapidly changing technology and rising regulatory requirements, more consolidation is expected, as mergers will enhance profitability and boost competitiveness.
For a full explanation of the evaluation criteria please click here.
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| Strength Rank 2019 | MEA 200 Rank 2019 | Bank | Country | Assets | YoY Growth in Loans | YoY Growth in Deposits | Loan to Deposit Ratio | Capital Adequacy Ratio | YoY Growth in Operating Profit | Return on Asset | Cost to Income Ratio | Non-interest Income/Total Operating Income | Loan Loss Reserves / Gross NPLs | Gross Non-Performing Loan Ratio | Liquid Assets / Total Deposits and Borrowings | Aggregate Strength Score 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Score (17.5%) | Score (2.5%) | Score (2.5%) | Score (7.5%) | Score (12.5%) | Score (5.0%) | Score (7.5%) | Score (7.5%) | Score (7.5%) | Score (12.5%) | Score (12.5%) | Score (5.0%) | |||||
| 1 | 7 | Al Rajhi Bank | Saudi Arabia | 4.5 | 2.5 | 4.0 | 3.0 | 5.0 | 1.5 | 5.0 | 5.0 | 2.5 | 5.0 | 4.5 | 4.5 | 4.23 |
| 2 | 2 | First Abu Dhabi Bank | UAE | 5.0 | 3.5 | 5.0 | 3.0 | 4.0 | 2.5 | 5.0 | 5.0 | 3.5 | 5.0 | 3.0 | 5.0 | 4.20 |
| 3 | 5 | National Commercial Bank | Saudi Arabia | 5.0 | 3.5 | 3.0 | 2.5 | 5.0 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 4.0 | 4.0 | 4.14 |
| 4 | 13 | Samba Financial Group | Saudi Arabia | 4.5 | 1.5 | 2.5 | 4.0 | 5.0 | 1.0 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 5.0 | 4.11 |
| 5 | 20 | Arab Bank Group | Jordan | 4.0 | 2.5 | 2.5 | 3.0 | 4.0 | 5.0 | 5.0 | 5.0 | 4.0 | 5.0 | 2.5 | 4.5 | 4.01 |
| 6 | 1 | Qatar National Bank | Qatar | 5.0 | 3.5 | 3.0 | 1.0 | 5.0 | 1.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 3.5 | 3.99 |
| 6 | 16 | Kuwait Finance House | Kuwait | 4.5 | 2.5 | 2.5 | 3.0 | 4.5 | 1.5 | 4.5 | 4.5 | 3.0 | 5.0 | 3.5 | 5.0 | 3.99 |
| 8 | 4 | Emirates NBD Bank | UAE | 5.0 | 4.0 | 3.5 | 1.5 | 5.0 | 1.5 | 5.0 | 5.0 | 3.0 | 5.0 | 2.0 | 4.5 | 3.95 |
| 9 | 21 | Arab National Bank | Saudi Arabia | 4.0 | 3.5 | 3.0 | 2.0 | 5.0 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 4.0 | 3.5 | 3.90 |
| 10 | 18 | Banque Saudi Fransi | Saudi Arabia | 4.5 | 1.5 | 1.5 | 2.5 | 5.0 | 1.0 | 5.0 | 5.0 | 2.5 | 5.0 | 3.0 | 4.5 | 3.89 |
| 11 | 30 | Ahli United Bank | Bahrain | 4.0 | 2.0 | 4.0 | 2.5 | 4.5 | 1.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 4.0 | 3.88 |
| 12 | 11 | Abu Dhabi Commercial Bank | UAE | 4.5 | 3.0 | 4.0 | 1.5 | 4.5 | 0.5 | 5.0 | 5.0 | 2.5 | 5.0 | 3.0 | 5.0 | 3.85 |
| 13 | 15 | Dubai Islamic Bank | UAE | 4.5 | 4.0 | 3.5 | 1.5 | 4.5 | 1.0 | 5.0 | 5.0 | 3.0 | 5.0 | 3.0 | 3.0 | 3.83 |
| 14 | 8 | National Bank of Kuwait | Kuwait | 4.5 | 3.5 | 3.0 | 0.0 | 4.5 | 1.0 | 4.5 | 5.0 | 2.5 | 5.0 | 4.0 | 4.5 | 3.81 |
| 14 | 14 | Riyad Bank | Saudi Arabia | 4.5 | 4.0 | 4.5 | 2.0 | 5.0 | 1.0 | 5.0 | 4.5 | 3.0 | 3.5 | 3.5 | 3.5 | 3.81 |
| 16 | 23 | SABB | Saudi Arabia | 4.0 | 1.0 | 1.0 | 2.5 | 5.0 | 0.5 | 5.0 | 5.0 | 3.0 | 5.0 | 3.0 | 4.5 | 3.79 |
| 16 | 26 | Mashreqbank | UAE | 4.0 | 4.5 | 4.0 | 2.5 | 4.5 | 0.0 | 4.5 | 4.0 | 4.0 | 5.0 | 2.5 | 5.0 | 3.79 |
| 18 | 32 | Alinma Bank | Saudi Arabia | 3.5 | 3.5 | 2.5 | 1.5 | 5.0 | 1.5 | 5.0 | 4.5 | 2.5 | 5.0 | 4.0 | 3.5 | 3.78 |
| 19 | 24 | Qatar Islamic Bank | Qatar | 4.0 | 2.0 | 1.5 | 0.5 | 5.0 | 1.0 | 5.0 | 5.0 | 3.5 | 5.0 | 4.0 | 2.5 | 3.76 |
| 20 | 28 | BLOM Bank | Lebanon | 4.0 | 1.0 | 2.5 | 5.0 | 5.0 | 0.0 | 4.5 | 4.5 | 2.0 | 4.5 | 2.5 | 5.0 | 3.74 |
| 21 | 22 | Bank Audi | Lebanon | 4.0 | 0.5 | 1.0 | 5.0 | 5.0 | 1.0 | 3.5 | 3.5 | 2.5 | 5.0 | 2.0 | 5.0 | 3.63 |
| 21 | 46 | Bank AlBilad | Saudi Arabia | 2.0 | 5.0 | 5.0 | 2.0 | 4.5 | 2.5 | 5.0 | 3.0 | 4.0 | 5.0 | 3.5 | 4.5 | 3.63 |
| 23 | 33 | Bank Muscat | Oman | 3.5 | 4.0 | 4.5 | 0.0 | 5.0 | 0.5 | 4.5 | 4.0 | 3.5 | 5.0 | 3.0 | 3.5 | 3.55 |
| 24 | 37 | Masraf Al Rayan | Qatar | 3.0 | 2.0 | 1.5 | 0.0 | 5.0 | 0.0 | 5.0 | 5.0 | 5.0 | 4.5 | 4.5 | 1.0 | 3.54 |
| 25 | 50 | Bank of Beirut | Lebanon | 2.0 | 2.5 | 2.0 | 5.0 | 4.5 | 0.0 | 3.5 | 3.5 | 4.0 | 5.0 | 3.0 | 5.0 | 3.48 |
| 26 | 60 | Qatar International Islamic Bank | Qatar | 1.5 | 0.5 | 1.0 | 2.0 | 4.5 | 1.0 | 5.0 | 5.0 | 4.0 | 4.5 | 3.5 | 4.5 | 3.34 |
| 27 | 31 | Abu Dhabi Islamic Bank | UAE | 3.5 | 3.0 | 2.0 | 3.0 | 4.5 | 0.5 | 5.0 | 3.5 | 2.5 | 3.5 | 2.5 | 4.0 | 3.33 |
| 28 | 59 | Noor Bank | UAE | 1.5 | 5.0 | 5.0 | 1.5 | 4.5 | 0.0 | 4.0 | 4.5 | 4.0 | 5.0 | 2.5 | 4.5 | 3.29 |
| 28 | 84 | Warba Bank | Kuwait | 1.0 | 5.0 | 3.0 | 0.0 | 5.0 | 5.0 | 1.5 | 4.5 | 3.5 | 5.0 | 4.0 | 4.0 | 3.29 |
| 30 | 91 | HSBC Bank Oman | Oman | 1.0 | 2.0 | 2.0 | 3.5 | 5.0 | 4.0 | 4.0 | 2.5 | 3.5 | 5.0 | 4.0 | 0.0 | 3.24 |
| 31 | 44 | Commercial Bank of Dubai | UAE | 2.5 | 4.0 | 4.5 | 1.0 | 4.0 | 1.0 | 5.0 | 5.0 | 3.0 | 4.0 | 2.0 | 4.5 | 3.23 |
| 32 | 96 | Arab Bank for Investment and Foreign Trade | UAE | 1.0 | 4.5 | 4.5 | 1.0 | 5.0 | 1.0 | 5.0 | 5.0 | 2.0 | 5.0 | 2.5 | 4.5 | 3.21 |
| 33 | 72 | National Bank of Fujairah | UAE | 1.5 | 4.0 | 4.0 | 2.0 | 4.0 | 2.0 | 5.0 | 5.0 | 3.5 | 4.0 | 2.0 | 4.5 | 3.20 |
| 34 | 45 | Gulf Bank | Kuwait | 2.0 | 3.0 | 3.5 | 0.0 | 4.5 | 1.0 | 2.5 | 5.0 | 2.5 | 5.0 | 4.0 | 3.5 | 3.18 |
| 35 | 29 | HSBC Bank Middle East | UAE | 4.0 | 4.5 | 1.5 | 1.5 | 2.5 | 1.0 | 4.5 | 3.0 | 4.5 | 3.5 | 2.0 | 5.0 | 3.16 |
| 36 | 54 | Al Ahli Bank of Kuwait | Kuwait | 1.5 | 1.5 | 3.5 | 1.0 | 5.0 | 1.0 | 2.5 | 4.5 | 3.0 | 5.0 | 3.5 | 4.0 | 3.15 |
| 36 | 57 | National Bank of Ras Al-Khaimah | UAE | 1.5 | 2.5 | 3.5 | 1.0 | 4.5 | 0.0 | 5.0 | 4.5 | 3.0 | 5.0 | 2.5 | 4.5 | 3.15 |
| 36 | 70 | Ahli Bank | Qatar | 1.5 | 1.0 | 0.5 | 0.0 | 5.0 | 1.0 | 5.0 | 5.0 | 2.5 | 5.0 | 3.5 | 3.5 | 3.15 |
| 39 | 40 | Byblos Bank | Lebanon | 2.5 | 2.0 | 2.5 | 5.0 | 5.0 | 0.5 | 1.5 | 3.0 | 3.0 | 3.5 | 2.5 | 5.0 | 3.14 |
| 39 | 66 | Sharjah Islamic Bank | UAE | 1.5 | 4.5 | 5.0 | 1.5 | 4.5 | 0.0 | 3.5 | 3.0 | 5.0 | 5.0 | 2.0 | 4.5 | 3.14 |
| 41 | 67 | Housing Bank for Trade and Finance | Jordan | 1.5 | 2.5 | 2.0 | 3.5 | 4.5 | 1.0 | 3.5 | 4.0 | 2.0 | 5.0 | 2.5 | 4.5 | 3.13 |
| 41 | 75 | BBK | Bahrain | 1.0 | 2.5 | 0.5 | 3.5 | 5.0 | 2.0 | 5.0 | 4.5 | 3.5 | 4.0 | 1.5 | 4.5 | 3.13 |
| 43 | 63 | Ahli United Bank Kuwait | Kuwait | 1.5 | 3.5 | 2.0 | 0.0 | 4.5 | 0.5 | 4.0 | 5.0 | 2.0 | 5.0 | 4.0 | 3.5 | 3.11 |
| 44 | 39 | Saudi Investment Bank | Saudi Arabia | 3.0 | 2.0 | 1.0 | 1.5 | 4.5 | 1.0 | 4.5 | 4.5 | 2.0 | 3.0 | 2.5 | 5.0 | 3.09 |
| 44 | 65 | Barwa Bank | Qatar | 1.5 | 0.5 | 1.5 | 0.0 | 4.5 | 0.0 | 5.0 | 4.5 | 5.0 | 5.0 | 3.0 | 2.5 | 3.09 |
| 46 | 35 | Arab Banking Corporation | Bahrain | 3.0 | 1.5 | 1.5 | 1.5 | 5.0 | 0.0 | 2.0 | 2.5 | 3.5 | 4.5 | 2.5 | 5.0 | 3.06 |
| 46 | 42 | Al Baraka Banking Group | Bahrain | 2.5 | 0.5 | 1.0 | 4.5 | 4.5 | 0.5 | 2.0 | 3.0 | 5.0 | 3.5 | 2.0 | 4.5 | 3.06 |
| 48 | 38 | Doha Bank | Qatar | 3.0 | 2.0 | 1.0 | 0.0 | 4.5 | 0.0 | 2.5 | 4.5 | 2.5 | 5.0 | 2.5 | 4.5 | 3.04 |
| 48 | 93 | Ahli Bank Oman | Oman | 1.0 | 4.5 | 4.5 | 0.0 | 4.5 | 1.0 | 4.0 | 4.5 | 2.0 | 5.0 | 3.5 | 3.5 | 3.04 |
| 50 | 27 | Commercial Bank | Qatar | 4.0 | 1.0 | 0.5 | 0.0 | 4.0 | 1.0 | 3.5 | 5.0 | 3.5 | 3.5 | 2.0 | 3.0 | 3.03 |
| 51 | 47 | Bank AlJazira | Saudi Arabia | 2.0 | 3.0 | 3.0 | 3.0 | 5.0 | 0.0 | 4.5 | 2.5 | 3.0 | 3.5 | 3.0 | 2.0 | 3.01 |
| 52 | 94 | Jordan Islamic Bank | Jordan | 1.0 | 3.0 | 1.5 | 3.0 | 5.0 | 0.0 | 3.5 | 3.5 | 1.5 | 5.0 | 3.0 | 4.5 | 3.00 |
| 52 | 153 | Cedrus Invest Bank | Lebanon | 0.0 | 5.0 | 5.0 | 5.0 | 2.5 | 2.5 | 5.0 | 5.0 | 2.5 | 3.5 | 2.5 | 5.0 | 3.00 |
| 54 | 36 | Gulf International Bank | Bahrain | 3.0 | 1.5 | 4.5 | 5.0 | 4.0 | 0.0 | 0.0 | 1.0 | 3.0 | 5.0 | 2.0 | 5.0 | 2.98 |
| 54 | 81 | Sohar International Bank (Bank Sohar) | Oman | 1.0 | 4.0 | 4.0 | 0.0 | 4.0 | 3.5 | 2.5 | 4.0 | 3.5 | 5.0 | 3.0 | 3.5 | 2.98 |
| 56 | 78 | National Bank of Bahrain | Bahrain | 1.0 | 3.0 | 2.5 | 5.0 | 5.0 | 1.0 | 5.0 | 4.5 | 3.0 | 2.0 | 1.5 | 4.5 | 2.96 |
| 56 | 86 | Kuwait International Bank | Kuwait | 1.0 | 5.0 | 4.5 | 0.0 | 4.5 | 0.0 | 3.0 | 3.0 | 2.0 | 5.0 | 4.5 | 4.0 | 2.96 |
| 58 | 58 | Al Khalij Commercial Bank | Qatar | 1.5 | 0.5 | 0.5 | 0.0 | 4.5 | 0.0 | 3.5 | 5.0 | 2.0 | 5.0 | 3.5 | 5.0 | 2.95 |
| 59 | 92 | Oman Arab Bank | Oman | 1.0 | 4.5 | 3.5 | 1.0 | 4.5 | 3.0 | 4.0 | 3.0 | 2.5 | 4.5 | 3.0 | 2.5 | 2.94 |
| 60 | 115 | National Bank of Umm Al-Qaiwain | UAE | 0.5 | 1.0 | 3.0 | 1.5 | 5.0 | 3.5 | 5.0 | 5.0 | 2.5 | 3.0 | 2.0 | 5.0 | 2.91 |
| 61 | 101 | Bank al Etihad | Jordan | 1.0 | 4.5 | 4.5 | 3.0 | 4.0 | 2.5 | 3.5 | 3.5 | 3.0 | 3.5 | 2.5 | 3.0 | 2.90 |
| 62 | 123 | Bank of Jordan | Jordan | 0.5 | 2.5 | 2.5 | 3.0 | 4.5 | 0.0 | 5.0 | 3.0 | 2.5 | 5.0 | 2.0 | 4.5 | 2.89 |
| 63 | 53 | Banque Libano-Francaise | Lebanon | 2.0 | 1.5 | 3.0 | 5.0 | 4.0 | 0.0 | 2.0 | 3.5 | 2.0 | 4.0 | 1.5 | 5.0 | 2.84 |
| 64 | 43 | Fransabank | Lebanon | 2.5 | 3.0 | 3.0 | 5.0 | 4.5 | 0.0 | 2.0 | 3.0 | 2.5 | 2.5 | 1.5 | 4.5 | 2.81 |
| 65 | 71 | Bank Dhofar | Oman | 1.5 | 1.5 | 1.0 | 0.0 | 4.5 | 0.0 | 3.5 | 3.0 | 2.0 | 5.0 | 3.5 | 3.5 | 2.76 |
| 65 | 146 | Bank Nizwa | Oman | 0.0 | 5.0 | 5.0 | 3.0 | 4.5 | 5.0 | 2.5 | 2.0 | 4.5 | 0.0 | 5.0 | 3.5 | 2.76 |
| 67 | 64 | Credit Libanais | Lebanon | 1.5 | 1.0 | 2.0 | 5.0 | 4.5 | 0.0 | 1.5 | 2.5 | 2.5 | 3.5 | 2.0 | 5.0 | 2.70 |
| 67 | 76 | National Bank of Oman | Oman | 1.0 | 3.5 | 2.0 | 0.0 | 4.5 | 0.0 | 4.5 | 3.5 | 3.0 | 4.5 | 2.5 | 2.5 | 2.70 |
| 67 | 89 | Commercial Bank International | UAE | 1.0 | 2.0 | 4.0 | 2.5 | 4.0 | 2.5 | 3.5 | 4.0 | 4.5 | 2.0 | 1.5 | 4.5 | 2.70 |
| 70 | 90 | Ajman Bank | UAE | 1.0 | 4.0 | 5.0 | 1.5 | 4.5 | 0.0 | 2.0 | 3.5 | 4.0 | 3.5 | 2.0 | 4.0 | 2.68 |
| 71 | 173 | Emirates Investment Bank | UAE | 0.0 | 5.0 | 0.5 | 5.0 | 5.0 | 0.0 | 2.0 | 1.0 | 4.5 | 0.5 | 5.0 | 5.0 | 2.64 |
| 72 | 55 | Commercial Bank of Kuwait | Kuwait | 1.5 | 2.5 | 3.0 | 1.0 | 5.0 | 5.0 | 4.5 | 5.0 | 4.0 | 0.0 | 0.0 | 5.0 | 2.61 |
| 73 | 133 | Saradar Bank | Lebanon | 0.5 | 4.5 | 3.5 | 5.0 | 3.5 | 5.0 | 0.5 | 0.0 | 4.0 | 3.5 | 1.5 | 5.0 | 2.56 |
| 73 | 157 | Alizz Islamic Bank | Oman | 0.0 | 5.0 | 5.0 | 1.5 | 4.0 | 5.0 | 1.0 | 0.0 | 2.5 | 4.5 | 4.0 | 2.5 | 2.56 |
| 75 | 80 | BBAC bank | Lebanon | 1.0 | 2.0 | 3.5 | 5.0 | 4.5 | 1.5 | 1.5 | 2.5 | 3.0 | 2.5 | 1.0 | 5.0 | 2.54 |
| 75 | 158 | INVESTBANK | Jordan | 0.0 | 3.5 | 4.5 | 1.5 | 4.0 | 1.0 | 4.5 | 2.5 | 3.5 | 3.5 | 2.0 | 4.0 | 2.54 |
| 77 | 106 | First National Bank | Lebanon | 1.0 | 0.5 | 1.5 | 5.0 | 3.5 | 0.0 | 2.0 | 2.0 | 2.5 | 4.0 | 2.0 | 5.0 | 2.53 |
| 78 | 151 | Banque Bemo | Lebanon | 0.0 | 1.0 | 1.0 | 5.0 | 5.0 | 1.0 | 2.5 | 3.0 | 3.0 | 1.5 | 2.5 | 5.0 | 2.49 |
| 79 | 100 | Lebanon & Gulf Bank | Lebanon | 1.0 | 1.0 | 4.0 | 5.0 | 4.0 | 0.0 | 1.5 | 2.5 | 2.5 | 3.0 | 1.5 | 5.0 | 2.48 |
| 80 | 49 | BankMed | Lebanon | 2.0 | 0.5 | 2.5 | 5.0 | 4.5 | 0.0 | 0.5 | 0.0 | 3.5 | 4.0 | 0.5 | 4.5 | 2.45 |
| 80 | 136 | Arab Jordan Investment Bank | Jordan | 0.0 | 2.0 | 1.5 | 3.5 | 4.0 | 0.0 | 2.0 | 2.5 | 2.5 | 3.5 | 3.5 | 4.0 | 2.45 |
| 82 | 159 | Arab Banking Corporation (Jordan) | Jordan | 0.0 | 3.0 | 2.0 | 1.5 | 5.0 | 0.0 | 2.0 | 1.5 | 2.5 | 4.5 | 2.5 | 4.5 | 2.41 |
| 83 | 161 | Safwa Islamic Bank | Jordan | 0.0 | 4.5 | 5.0 | 2.5 | 2.5 | 4.5 | 2.0 | 2.0 | 1.5 | 4.0 | 3.0 | 3.0 | 2.40 |
| 83 | 172 | Alubaf Arab International Bank | Bahrain | 0.0 | 4.0 | 0.5 | 0.0 | 5.0 | 0.0 | 4.0 | 4.5 | 2.0 | 5.0 | 0.0 | 5.0 | 2.40 |
| 85 | 82 | Bank of Sharjah | UAE | 1.0 | 0.5 | 1.0 | 2.5 | 4.0 | 0.0 | 1.0 | 4.0 | 3.0 | 4.5 | 1.0 | 4.0 | 2.39 |
| 86 | 109 | Al Salam Bank | Bahrain | 0.5 | 4.5 | 3.5 | 3.0 | 5.0 | 0.0 | 3.5 | 3.5 | 3.5 | 2.0 | 1.5 | 0.0 | 2.36 |
| 86 | 119 | Jordan Kuwait Bank | Jordan | 0.5 | 3.0 | 1.5 | 1.5 | 4.5 | 0.0 | 4.5 | 3.0 | 3.0 | 2.5 | 1.5 | 4.0 | 2.36 |
| 88 | 99 | United Arab Bank | UAE | 1.0 | 1.5 | 1.0 | 1.5 | 4.0 | 0.5 | 1.0 | 3.0 | 2.5 | 4.5 | 1.5 | 4.5 | 2.34 |
| 89 | 116 | Kuwait Finance House (Bahrain) | Bahrain | 0.5 | 5.0 | 4.5 | 1.5 | 5.0 | 0.5 | 4.0 | 2.0 | 5.0 | 1.0 | 1.5 | 2.0 | 2.33 |
| 89 | 139 | Capital Bank of Jordan | Jordan | 0.0 | 1.5 | 2.5 | 3.5 | 4.5 | 0.0 | 4.5 | 3.0 | 3.5 | 2.5 | 0.5 | 4.0 | 2.33 |
| 91 | 144 | Societe Generale de Banque - Jordanie | Jordan | 0.0 | 5.0 | 5.0 | 5.0 | 4.0 | 0.0 | 1.5 | 2.5 | 2.5 | 2.5 | 1.5 | 3.5 | 2.29 |
| 92 | 118 | Jordan Ahli Bank | Jordan | 0.5 | 1.0 | 2.0 | 3.5 | 4.0 | 0.0 | 2.0 | 1.0 | 2.5 | 3.5 | 2.0 | 3.5 | 2.20 |
| 93 | 41 | Burgan Bank | Kuwait | 2.5 | 1.5 | 0.5 | 0.0 | 4.5 | 1.5 | 3.5 | 4.0 | 3.0 | 0.0 | 0.0 | 4.5 | 2.14 |
| 94 | 112 | Cairo Amman Bank | Jordan | 0.5 | 3.5 | 4.0 | 2.0 | 4.0 | 0.0 | 3.0 | 1.0 | 3.0 | 2.0 | 1.5 | 4.0 | 2.09 |
| 95 | 128 | Bahrain Islamic Bank | Bahrain | 0.5 | 3.0 | 2.0 | 2.5 | 4.5 | 1.0 | 2.5 | 2.0 | 2.0 | 2.0 | 1.0 | 3.5 | 2.05 |
| 96 | 147 | Khaleeji Commercial Bank | Bahrain | 0.0 | 0.5 | 4.0 | 4.5 | 4.5 | 0.0 | 0.5 | 2.0 | 4.5 | 1.0 | 0.0 | 4.0 | 1.86 |
| 97 | 79 | Ithmaar Bank | Bahrain | 1.0 | 1.0 | 0.5 | 0.0 | 3.5 | 0.0 | 1.0 | 0.0 | 2.0 | 5.0 | 1.5 | 2.5 | 1.81 |
| 98 | 154 | Jordan Commercial Bank | Jordan | 0.0 | 2.5 | 0.5 | 2.5 | 3.0 | 0.0 | 1.0 | 0.5 | 2.5 | 3.0 | 1.0 | 2.5 | 1.56 |
| 99 | 121 | Invest Bank | UAE | 0.5 | 0.5 | 0.5 | 3.0 | 1.0 | 0.0 | 0.0 | 2.5 | 2.5 | 3.5 | 0.0 | 3.5 | 1.45 |
| 100 | 111 | CreditBank | Lebanon | 0.5 | 4.0 | 3.5 | 5.0 | 0.0 | 4.0 | 1.5 | 2.5 | 3.0 | 0.0 | 0.0 | 0.0 | 1.38 |
Note: 5 = Highest score, 0 = Lowest score
Source: Asian Banker Research
