The Region`s Largest Banks

Transcription

SPECIAL EDITION
ISSUE 72
SEPTEMBER 2007
The Asian Banker 300
2007-2008 Edition
The good getting better
The annual definitive ranking and survey of
Asia Pacific’s largest and strongest banks
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ISSUE 72
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The Asian Banker
ISSUE 72
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CONTENTS
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2007-2008 Edition
The good getting better
The definitive ranking and survey of
Asia Pacific’s largest and strongest banks
8
Banks have cleaned up their balance sheets and are looking
to build sustainable businesses as markets mature
54
Asia Pacific’s Strongest Banks
Banks in the region’s developed markets grow profits
and nurture sizeable assets
70
Country Capsules
We assess the performance of the banking markets in
12 countries across Asia Pacific
ISSUE 72
The Asian Banker
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9/18/07 11:40:42 AM
T H EN TE
CO
ASNIATS
N BANKER
6 Trendwatch
The year of the conservative banks
14 List of Asia Pacific’s largest banks
20 Ranking of Asia Pacific’s largest banks
44 The largest banks in Greater China
46 The largest banks in Southeast Asia and South Asia
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51 List of Asia Pacific’s strongest banks
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58 Ranking of Asia Pacific’s strongest banks
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TRENDWATCH
ISSUE 72
The Asian Banker
5
9/17/07 11:41:41 AM
T RE
H ENDWATC
AS IA N BHA N K E R
The year of the conservative banks
T
6
ROA (%)
Aggregate Net Profits ($bn)
his year’s Asian Banker 300 (AB300) report, based on 2006 financials, reveals a 7.8 percent
increase in aggregate profits to $118.2 billion. Uninspiring growth some might say. But the
key performance indicators that we use for our strength ranking and the composition of this
year’s AB300 do suggest an exciting story a reinforced and reshaped banking landscape that
more clearly separates the winners from the losers. As our ranking of the largest and strongest
banks in the region enters its fifth year running, it emerges as a powerful tool to distinguish
the best from the rest.
The 2006 ranking can be described as the "year of the conservative banks". The Hong
Kong listed entities of HSBC and Hang Seng, Australia's Westpac and Singapore's OCBC, all
considered very cautious banks with a history of lacklustre
performance ratios, shined this year by balancing growth
AB300: The averages suggest a wide berth between
with a strong balance sheet.
winners and losers
The better banks are demonstrating sustainable growth
140
1.0%
business
models, better operating efficiencies, stronger
120
0.8%
capital adequacy and healthier asset quality buffeted by
100
a surge in market consolidation and capital restructuring
0.6%
80
in 2006.
60
0.4%
Despite its highly competitive marketplace, Hong Kong
40
0.2%
had the greatest number banks in the top 50 strength
20
0.0%
rankings with eleven entrants. This should send a mes0
2003
2004
2005
2006
sage to protectionist economies that shield the banking
-20
-0.2%
sector: open competition promotes growth for domestic
Net profits
ROA
and overseas institutions.
We should also highlight the performance of India’s
Source: Asian Banker Research
banks in this year's strength ranking. Although there were
no Indian banks in the top 10, nine of the country’s banks broke into the top 50, second only to
Hong Kong. The Indian economy is red-hot, as buoyant consumption and investment demand
support the banking sector's regionally unparalleled balance sheet growth.
India's private sector lenders like HDFC and ICICI deserve special mention for their ability
to protect net interest margins and loan quality despite aggressive growth, which enhanced their
earnings growth. The region can learn from these two banks.
Nevertheless, there are still areas of concern for all banks. The average cost-to-income ratios
of Asia's top 300 remain above 50 percent. ROAs hover around 0.8 percent, and ROEs are being challenged. The banking business still faces significant capital cost difficulties when assessed
alongside other industries. The benefit of Basel II as a capital efficiency mechanism is not yet
evident even though the number of compliant banks is increasing.
The expansion of the balance sheet should not be at the expense of managing costs or of
diversification into new and more stable fee-based business activities. Not enough has been done
with regards to this over the past five years, and recent strong economic growth may render
them too complacent to take appropriate measures.
The better banks should continue their upward trajectory enabling them to reap investor
rewards and withstand unexpected market shocks.
The Asian Banker
ISSUE 72
9/17/07 11:41:43 AM
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ISSUE 72
The Asian Banker
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9/17/07 11:41:44 AM
The good getting better:
Reshaping Asia’s
banking landscape
The region’s biggest 300 banks have cleaned up their balance
sheets and are ready to pursue new growth opportunities
By Benny Zhang
8
The Asian Banker
ISSUE 72
9/18/07 11:41:42 AM
U
pon first glance the
AB300’s largest banks
seem to be suffering
from an enervating
illness resulting in sluggish performance. Profits in 2006 only
budged 7.8 percent to $118.2 billion
after a virile 2005 that saw net year-onyear profit double to $109.7 billion.
But a more careful diagnosis of the
patients reveals that banks are suffering
from nothing more than a hangover
after the great party that was 2005.
While 2006 net earnings growth pale in
comparison to the previous year, other
key performance indicators affirm that
banks are indeed fit enough to meet
new challenges in the years to come.
A closer analysis of the AB300’s
largest banks, the most comprehensive
database of Asia Pacific’s biggest commercial banks, unearths a banking
landscape that has been reinforced and
reshaped. It is showing the life signs of
improved and sustainable operating
efficiency and capital adequacy, as well
as a significantly healthier asset quality
base. Continuous efforts to improve
management capabilities instil a stronger sense of professionalism and encourage market consolidation. Meanwhile,
capital restructuring initiatives were the
key drivers of change in 2006.
Sustainable asset book expansion
Despite lacklustre earnings growth,
overall loan growth of the 300 largest
banks increased by a healthy 9.9 percent to $9.82 trillion last year on the
back of stronger credit demand across
emerging markets. This compares favourably with a 6.3 percent increase in
2005 and 4 percent increase in 2004.
If Japanese banks are taken out of
the equation, overall loan growth for
the rest of the Asia Pacific region is significantly higher at 16.2 percent, compared to 9.2 percent in 2005. Japanese
banks resumed lending in early 2006
in hopes of recovering after a decade
of economic malaise, but optimism
was short-lived as lending growth
tapered in late 2006 after the central
bank raised interest rates. Despite loan
growth contraction, Japanese banks
still represent 40 to 50 percent of assets among the AB300. Any significant
recovery in profits from the Japanese
will impact future AB300’s.
The loan growth story varied countryto-country and bank-to-bank as markets
are at different stages in their credit cycles.
Generally though, credit demand trended
lower in relatively developed markets,
such as Hong Kong and Singapore, while
it was higher in developing markets like
India, China, Pakistan, Malaysia and
Vietnam where banks basked in doubledigit loan growth rates.
India’s white-hot economy, bolstered
by a booming software industry, enabled
banks to once again deliver the highest
loan growth in Asia Pacific. Outsourcing
and the re-emergence of the chemical
industry as a major industrial driver
bumped loan growth from 33.1 percent
in 2005 to 35.1 percent in 2006.
China’s dragons also made for an
interesting story. Measures to cool the
economy through several rounds of
interest rate hikes and the imposition
of new minimum deposit reserve ratios
failed to make a dent. In fact, fast fixedasset investment growth brought higher
than expected demand for credit, and the
ballooning foreign trade surplus created
more than enough liquidity for banks to
lend to various sectors. On average, the
30 Chinese banks in the AB300 recorded
13.8 percent loan growth in 2006 compared to 5.7 percent in 2005.
But China and India are not representative of all emerging markets.
For Indonesia, once a star performer
in the credit and loan universe three
(Continued on page 10)
What is the AB300?
The Asian Banker 300 (AB300) is the fourth annual study of the financial and
business performance of the commercial banking industry. The study comprises
two different lists: the first ranks the top 300 banks in the region by asset size, and
the second ranks those same 300 largest banks according to strength, predicated
on a belief that a strong bank demonstrates long-term sustainable profitability
from core businesses.
Which banks are in the AB300?
Banks from Australia, Bangladesh, China, Hong Kong, India, Indonesia, Japan,
Malaysia, New Zealand, Pakistan, Philippines, Singapore, South Korea, Taiwan,
Thailand and Vietnam are analysed in the AB300. In future we may consider
banks from additional countries should their size increase. We don’t include central
banks, policy banks or finance companies in the AB300. The focus is commercial
banks and bank holding companies.
How do we collect and treat the data?
Bank annual reports and statistics provided by central banks or industry associations are our main sources. In the absence of up-to-date annual reports, we contact
banks directly to source specific financial results. Whenever possible, consolidated
figures are used for banking groups. An exception is made when non-banking
activities account for a substantial portion of the consolidated figures. All figures
are converted into US dollars by using exchange rates at the time that the latest
financial year-end results are available from banks.
ISSUE 72
The Asian Banker
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9/17/07 11:41:53 AM
China and Japan dominate the AB300 2007 rankings
Country
Number
of banks
in AB300
Total Assets
($bn)
Share of
Total Assets
Total Loans
($bn)
Share of
Total Loans
Total Deposits
($bn)
Share of
Total Deposits
Total Net Profit
($bn)
Share of Total
Net Profit
15
1,453.7
8.1%
1,007.9
10.3%
866.3
5.9%
15.7
13.2%
1
5.1
0.0%
3.5
0.0%
4.4
0.0%
-0.5
-0.4%
China
30
4,106.0
23.0%
2125.7
21.6%
3,715.1
25.3%
25.0
21.1%
Hong Kong
15
827.6
4.6%
325.5
3.3%
698.2
4.7%
11.8
10.0%
India
28
714.9
4.0%
409.9
4.2%
606.1
4.1%
6.4
5.4%
8
110.2
0.6%
47.6
0.5%
90.6
0.6%
1.8
1.5%
109
7,623.7
42.7%
3,991.9
40.6%
6,377.0
43.4%
35.9
30.4%
16
303.9
1.7%
174.3
1.8%
251.4
1.7%
2.9
2.5%
New Zealand
4
160.0
0.9%
126.9
1.3%
141.7
1.0%
1.4
1.2%
Pakistan
5
37.5
0.2%
20.9
0.2%
31.9
0.2%
0.9
0.7%
Philippines
6
48.3
0.3%
17.3
0.2%
1.7
0.0%
0.5
0.4%
Singapore
3
332.5
1.9%
144.3
1.5%
234.9
1.6%
4.7
3.9%
South Korea
14
1,095.4
6.1%
771.8
7.9%
800.3
5.4%
10.7
9.1%
Taiwan
33
804.2
4.5%
503.7
5.1%
692.4
4.7%
-0.6
-0.5%
Thailand
10
197.9
1.1%
129.3
1.3%
163.7
1.1%
1.5
1.2%
Vietnam
3
33.6
0.2%
20.7
0.2%
26.0
0.2%
0.3
0.2%
300
17854.6
100%
9821.3
100%
14701.8
100%
118.2
100%
Australia
Bangladesh
Indonesia
Japan
Malaysia
Total
(Continued from page 9)
years ago, 2006 was a struggle. Sharp
increases in interest rates in late 2005
to counter the effects of a jump in oil
prices and subsequent skyrocketing
inflation crimped consumers’ demand
for credit to buy cars, motorcycles and
other durables. Although the interest
rate environment forced the average
loan growth of the eight Indonesian
banks in the AB300 to plunge to
13.1 percent from over 20 percent in
the previous year’s report, there was a
positive takeaway—it actually helped
to widen the banks’ interest spread
or profit margin, which substantially
boosted net interest income growth to
16.1 percent in 2006 from 8.9 percent
the previous year.
10
The Asian Banker
Meanwhile, banks in Taiwan also
reported slower loan growth, as they
struggled with cleaning up their asset
books in the aftermath of the credit
and debit card crisis. Negative sentiment even transferred to the mortgage
and business loans segment as local
banks began to rein in lending across
the board. Regulators forcing banks
to restructure their risk management
processes and institute new efficient
systems may have precipitated this
trend. However, a constructive byproduct of the credit crisis is the banking industry’s long overdue start of the
consolidation process as banks seek
injections of capital from acquirers in
order to stay afloat.
It is interesting to note that in
some developed Asian markets like
South Korea and Australia, banks have
pushed consumer and commercial
lending growth to aggressive levels. So
any fall in the housing market coupled
with government initiatives to restrict
liquidity for credit and loans may in
fact drive loan growth to a sustainable
level in the mid-term.
Strong fundamentals
One notable achievement for banks in
the region is the continuous improvement in asset quality across nearly all
markets—the average non-performing
loan (NPL) ratio of the AB300 decreased from 6.4 percent to 3.4 percent
ISSUE 72
9/17/07 11:41:56 AM
AB
ABJ
sponsored statement
Directory
Index & Bank-specific Notes 16 Largest Banks in Greater China 44 Largest Banks in Southeast Asia / Largest Banks in
South Asia 45 Performance Rankings 46 Asia Pacific’s Strongest Banks 50 Country Capsules 72
Driving better business outcomes
in the financial services industry
I
n the rapidly changing financial services marketplace in Asia, the need for financial institutions to align their IT strategy to desired business outcomes is a critical requirement for success. The wide spread transformational changes
that have taken place in the market, from mergers and acquisitions, SOX and regulatory compliance requirements to new tech savvy Gen X
customers demands, has created a demanding
environment for bank CIO’s to deliver results
linked to measurable business outcomes.
Adding to the complexity of the issue is the
already considerable investment in technologies banks have made and the cost and risk in
maintaining these legacy systems.
In discussing these issues with HP’s Regional
Director of Banking and Financial Services Industry Solutions in Asia Pacific, Mr. Patrick
Thng, he states, “ We are in a new world of
what we call business technology, where IT
investments are measured in business outcomes. How does it improve speed to market,
lower costs, mitigate risk, improve decision
making or strengthen customer relationships.
IT investments are prioritized against those
business initiatives and requirements.”
HP’s strategy for financial institutions is balanced across three main strategic imperatives: how to drive business growth, meet
regulatory requirements and improve efficiency. Mr. Sockalingam Muthiah, Director of
Financial Services Industry of HP Services,
believes that the complexity facing banks in
driving product innovation, new delivery channels integration and enhancing customer relationships, presents substantial challenges in
back end integration and demands on their
IT infrastructure. “Essentially the banks need
a 24 x 7 lights out computing environment,
based on industry standards and using automated software building blocks. We call this
the adaptive infrastructure, as it creates a
supply chain for delivering IT services. It enables bank CIO’s to lower their cost of IT operations, yet at the same time deliver a higher quality service with lower risk and drives
speed for enhanced business flexibility”.
The team has achieved substantial success
in its approach of linking technology to better business outcomes, with projects spanning from New Zealand all the way through
to Japan. For instance, the HP team delivered
a comprehensive suite of solutions for Bank
of India that enabled the bank to drive a customer centric operation and transform its core
banking system. Whilst for the Bank of Shanghai, HP is helping the bank in rolling out new
delivery channels and improve operational efficiency through core banking refresh.
HP calls this approach business technology
optimisation and has developed a complete
portfolio of solutions for financial institutions
in Asia Pacific. They can address a multitude
of factors facing the banks IT operations, such
as how to automate the business processes,
reduce risk of new upgrades and implementations, improved decision making based on
governance, prioritize based on criticality of
projects and regulatory compliance through
to service management with the intent of reducing operational cost.
Mr. Patrick Thng
HP’s Regional Director of
Banking and Financial Services
Industry Solutions in
Asia Pacific
Mr. Thng goes on to say, “For CIO’s, we offer
the CIO Agenda workshop, whereby we work
through what are the desired business outcomes and then map that to their optimized
IT infrastructure through HP’s IT transformation services. It provides a clear vision and a
strong framework of where they should be investing their IT budgets. Our customers have
derived a lot of value from the CIO Agenda
workshops, as it brings all of our experience,
technologies and learning’s to focus and
drive results.”
The financial services industry is a highly
competitive and unforgiving environment – yet
with HP’s business technologies driving better business outcomes the roadmap is clear.
Mr. Sockalingam Muthiah
Director of Financial Services
Industry of HP Services
By Mark Manners
Director, Financial Services Industry Marketing
Hewlett-Packard Asia Pacific
The
The
Banker
Asian
Journal
ISSUE 72
ISSUE
The
AsianBanker
Banker
ISSUE72
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ABJ ISS-72(EXTRA).indd
ISS-72(PG1-19).indd 23
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AM
over the last two years. The average bad
loan coverage ratio also improved to
78.4 percent from 74.6 percent over
the same period implying that banks
have sufficient provisions to protect
earnings going forward.
Among Asia Pacific countries,
China’s banks have made giant strides
in strengthening their balance sheets,
halving the national average NPL ratio
from 13 percent in 2004 to 7.1 percent
by the end of 2006. The improvement
is mainly attributable to the disposal of
massive bad loans, reduced governmentdriven lending, upgraded risk management and information systems, as well
as improved corporate governance.
Despite Taiwan’s credit crisis, NPL
ratios have fallen to their lowest levels
because of more creditworthy mortgage and commercial loan consumers.
Among the 33 Taiwanese banks in
the AB300, 18 have reduced NPLs to
below 2 percent, on par with international standards and significantly
lower than the early 2000s when rates
exceeded 11 percent.
Operational efficiency has also
helped profitability among AB300
banks with the average cost to income
ratio of the AB300 rankings decreasing to 51.7 percent in 2006 from 52.6
percent from 2004 to 2006. Aggregate
operating income grew 10.7 percent,
once again outstripping overhead costs
that grew by 10.2 percent. This could
be because banks are improving the
generation of fee income in branches by
focusing on sales and improving internal
systems. Strong loan growth and solid
margins will also help fuel revenues.
Capital challenge
As banks in the region are poised for
sustainable asset growth, one crucial
factor is ensuring there is sufficient
capital adequacy. But this may be less
of a problem considering buoyant IPO
and consolidation activities. The AB300
12
The Asian Banker
Loan growth was slowest in Japan among all AB300 banks in 2006
Japan
Taiwan
Thailand
Hong Kong
Philippines
TAB 300 Average
9.9%
Singapore
Indonesia
China
Malaysia
Australia
Pakistan
ex-Japan Average
16.2%
Vietnam
South Korea
India
0%
10%
20%
30%
40%
banks’ aggregate shareholders’ equity has
increased by 16.3 percent from last year,
inching up average leverage ratio (shareholders’ equity to assets ratio) to 5.9
percent by 50 basis points in 2006.
Some markets have done a better
job than others attending to this issue.
Industrial & Commercial Bank of
China, Bank of China and China Merchants Bank—all listed in the AB300
at different times during the last two
years—now enjoy sound capital adequacy ratios of above 12 percent. This
is no surprise as strategic investments
in banks from regional and global institutional investors amounted to $9.1
billion in 2006, which is exactly what
other banks around the region need in
order to bolster capital adequacy.
For Taiwan it is another story. It’s
one of the only banking sectors suffering from a shrinking capital base
because banks have been writing-off
massive loan losses. Foreign banks have
begun to seek out opportunities snapping up small local banks short of cash.
For example, Standard Chartered Bank
took over Hsinchu International Bank
in September 2006, Citigroup recently
acquired Taitung Business Bank, and
ABN AMRO acquired the financially
troubled Bank of Overseas Chinese.
New horizons
Though Japan’s once debt-ridden
banks impressively restored their capital
strength after repaying nearly all the
government funds that were pumped
into the sector after the 1997 Asian Financial Crisis, the country’s dominance
in the AB300 is slipping. Japan had over
115 lenders in the last AB300 report.
The country now has six fewer banks in
the rankings. Moreover, Japanese banks’
ISSUE 72
9/17/07 11:41:59 AM
contributions to the profit pool slipped
to 30.4 percent compared to 37 percent
in 2005. Their aggregate asset book also
fell to 42.7 percent compared to 47.6
percent in 2005.
It is a different story for the Chinese.
The 30 banks from China seized 23 percent of the AB300’s aggregate assets, up
from 20.7 percent last year. Aggregate
net profits as a percentage of the AB300
total increased to 21.1 percent from
16.1 percent. Australia, Hong Kong,
India and Singapore are also climbing
up the tables in terms of market contributions to assets and profits.
China also features the greatest
number of new additions to the AB300.
The six new banks include three rural
commercial banks, two joint-stock banks
and one new provincial lender. Rapid
expansion of China’s local credit institutions should result in more Chinese
names joining the AB300 in 2008.
Another critical factor that reshaped
this year’s AB300 ranking is the frenzy
of deals. Of the 16 newcomers to the
AB300, three emerged as a result of
mergers (Taiwan’s Mega International
Commercial Bank, the Philippines’
Banco de Oro-EPCI and China’s Huishang Bank). The latter was a provincial
lender established through the merger
of six city commercial banks and seven
credit cooperatives.
Consolidation is likely to continue in Asia in line with global
trends. The adoption of global best
practices, such as corporate governance, will continue to radically alter
the way Asian banks do business.
Though Asia has been characterised
as a region of many dramatic ups and
downs, smoother sailing is on the horizon as bankers stabilise operations
and work toward a stronger sustainable growth business model.
Assets contribution in 2006 (2005)
Japanese banks control the total asset pool, but their market share is waning
Malaysia
1.7% (1.5%)
Singapore
1.9% (1.7%)
Thailand
1.1% (1.0%)
Other countries
2.2% (2.1%)
India
4.0% (3.3%)
Taiwan
4.5%
Japan
42.7% (47.6%)
Hong Kong
4.6% (4.4%)
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ASSET MANAGEMENT
The AsianLAUSANNE
Banker
ISSUE
72TOKYO LUXEMBOURG
SINGAPORE
LONDON 13
GENEVA
ZURICH
BRUSSELS FRANKFURT MADRID NEW YORK TORONTO
9/17/07 11:41:59 AM
List of Asia Pacific’s Largest Banks
Name
Country Rank
A
ABN AMRO (Australia)
Adelaide Bank
Affin Bank
Agricultural Bank of China
Aichi Bank
Akita Bank
Allahabad Bank
Alliance Bank
AMMB Holdings
AMP Bank
Andhra Bank
ANZ National Bank
Aomori Bank
Aozora Bank
ASB Bank
Ashikaga Bank
Australia and New Zealand Banking Group
Awa Bank
AXIS Bank
B
Banco de Oro-EPCI
Bangkok Bank
Bank Alfalah
Bank Central Asia
Bank Danamon Indonesia
Bank for Foreign Trade of Vietnam
Bank Internasional Indonesia
Bank Kerjasama Rakyat Malaysia
Bank Mandiri
Bank Negara Indonesia
Bank Niaga
Bank of Ayudhya
Bank of Baroda
Bank of Beijing
Bank of China
Bank of Communications
Bank of East Asia
Bank of Fukuoka
Bank of Ikeda
Bank of India
Bank of Iwate
Bank of Kaohsiung
Bank of Kochi
Bank of Kyoto
Bank of Maharashtra
Bank of Nagoya
Bank of Nanjing
Bank of New Zealand
Bank of Ningbo
Bank of Okinawa
Bank of Overseas Chinese
Bank of Panhsin
Bank of Queensland
Bank of Saga
Bank of Shanghai
Bank of Taiwan
Bank of The Philippine Islands
Bank of the Ryukyus
Bank of Western Australia
Bank of Yokohama
Bank Pan Indonesia
14
The Asian Banker
Australia
Australia
Malaysia
China
Japan
Japan
India
Malaysia
Malaysia
Australia
India
New Zealand
Japan
Japan
New Zealand
Japan
Australia
Japan
India
219
145
235
6
132
147
172
242
143
286
206
49
152
57
111
83
13
131
163
Philippines
Thailand
Pakistan
Indonesia
Indonesia
Vietnam
Indonesia
Malaysia
Indonesia
Indonesia
Indonesia
Thailand
India
China
China
China
Hong Kong
Japan
Japan
India
Japan
Taiwan
Japan
Japan
India
Japan
China
New Zealand
China
Japan
Taiwan
Taiwan
Australia
Japan
China
Taiwan
Philippines
Japan
Australia
Japan
Indonesia
266
74
297
142
228
211
271
240
105
150
283
151
96
106
7
16
81
48
127
99
139
299
241
59
230
115
246
89
281
193
234
272
192
166
90
39
191
186
85
32
298
Name
Country Rank
Bank Rakyat Indonesia
Bank SinoPac
Bankthai
Beijing Rural Commercial Bank
Bendigo Bank
BIMB Holdings
Biwako Bank
BOC (Hong Kong) Holdings
Bowa Commercial Bank
Bumiputra-Commerce Holdings
Indonesia
Taiwan
Thailand
China
Australia
Malaysia
Japan
Hong Kong
Taiwan
Malaysia
159
100
269
140
198
289
227
26
276
71
India
Taiwan
India
Taiwan
Japan
Japan
Japan
China
China
Hong Kong
Taiwan
China
China
China
China
Taiwan
Taiwan
Hong Kong
Japan
Japan
Australia
India
Malaysia
South Korea
Hong Kong
Australia
India
Taiwan
79
84
130
75
40
158
290
33
5
291
233
45
25
35
294
67
264
236
66
179
188
218
207
60
196
12
190
244
South Korea
Hong Kong
Japan
Japan
Japan
China
Hong Kong
Singapore
India
Australia
China
122
185
177
86
277
285
110
22
250
287
262
Taiwan
Japan
Japan
Taiwan
Malaysia
China
134
180
146
225
199
295
C
Canara Bank
Cathay United Bank
Central Bank of India
Chang Hwa Commercial Bank
Chiba Bank
Chiba Kogyo Bank
Chikuho Bank
China CITIC Bank
China Construction Bank
China Construction Bank (Asia)
China Development Industrial Bank
China Everbright Bank
China Merchants Bank
China Minsheng Banking Corporation
China Zheshang Bank
Chinatrust Commercial Bank
Chinese Bank
Chong Hing Bank
Chugoku Bank
Chukyo Bank
Citibank (Australia)
Citibank (India)
Citibank (Malaysia)
Citibank Korea
CITIC Ka Wah Bank
Commonwealth Bank of Australia
Corporation Bank
Cosmos Bank
D
Daegu Bank
Dah Sing Bank
Daisan Bank
Daishi Bank
Daito Bank
Dalian City Commercial Bank
DBS Bank (Hong Kong)
DBS Group Holdings
Dena Bank
Deutsche Bank (Australia)
Dongguan City Commercial Bank
E
E. Sun Commercial Bank
Ehime Bank
Eighteenth Bank
EnTie Commercial Bank
EON Bank
Evergrowing Bank
ISSUE 72
9/17/07 11:42:00 AM
ISSUE 72
The Asian Banker
15
9/17/07 11:42:04 AM
Name
Country Rank
F
Far Eastern International Bank
Federal Bank
First Bank of Toyama
First Commercial Bank
Fubon Bank (Hong Kong)
Fuhwa Bank
Fukui Bank
Fukushima Bank
G
Gifu Bank
Guangdong Development Bank
Gunma Bank
H
Habib Bank
Hachijuni Bank
Hana Bank
Hang Seng Bank
Hangzhou City Commercial Bank
HDFC Bank
Higashi-Nippon Bank
Higo Bank
Hiroshima Bank
Hokkoku Bank
Hokuetsu Bank
Hokuhoku Financial Group
Hokuto Bank
Hong Leong Bank
Hongkong and Shanghai Banking Corporation
HSBC (India)
HSBC Bank (Malaysia)
Hsinchu International Bank
Hua Nan Commercial Bank
Hua Xia Bank
Huishang Bank
Hyakugo Bank
Hyakujushi Bank
I
Ibaraki Bank
ICICI Bank
Indian Bank
Indian Overseas Bank
Industrial & Commercial Bank of China
Industrial and Commercial Bank of China (Asia)
Industrial and Commercial Bank of Vietnam
Industrial Bank
Industrial Bank of Korea
Iyo Bank
J
Jammu and Kashmir Bank
Jeonbuk Bank
Jih Sun International Bank
Joyo Bank
Juroku Bank
16
The Asian Banker
Taiwan
India
Japan
Taiwan
Hong Kong
Taiwan
Japan
Japan
212
273
232
68
254
213
153
278
Japan
China
Japan
257
69
64
Pakistan
Japan
South Korea
Hong Kong
China
India
Japan
Japan
Japan
Japan
Japan
Japan
Japan
Malaysia
Hong Kong
India
Malaysia
Taiwan
Taiwan
China
China
Japan
Japan
221
62
23
37
249
136
173
104
61
114
155
41
226
165
9
187
194
182
65
55
267
92
102
Japan
India
India
India
China
Hong Kong
Vietnam
China
South Korea
Japan
263
34
184
148
3
149
248
43
27
76
India
South Korea
Taiwan
Japan
Japan
260
268
238
50
87
Name
K
Kagawa Bank
Kagoshima Bank
Kansai Urban Banking Corporation
Kanto Tsukuba Bank
Kasikornbank
Keiyo Bank
Kingʼs Town Bank
Kita-Nippon Bank
Kiyo Bank
Kookmin Bank
Korea Exchange Bank
Kotak Mahindra Bank
Krung Thai Bank
Kumamoto Family Bank
Kwangju Bank
Kyongnam Bank
Kyushu-Shinwa Holdings
L
Land Bank of Taiwan
Land Bank of the Philippines
M
Macquarie Bank
Maybank
MCB Bank
Mega International Commercial Bank
Metropolitan Bank & Trust
Michinoku Bank
MIE Bank
Minami-Nippon Bank
Minato Bank
Mitsubishi UFJ Financial Group
Mitsui Trust Holdings
Miyazaki Bank
Miyazaki Taiyo Bank
Mizuho Financial Group
Momiji Holdings
Musashino Bank
N
Nagano Bank
Nanto Bank
National Australia Bank
National Bank of Pakistan
Nishi-Nippon City Bank
Norinchukin Bank
O
OCBC Bank (Malaysia)
Ogaki Kyoritsu Bank
Oita Bank
Okinawa Kaiho Bank
Oriental Bank of Commerce
Oversea-Chinese Banking Corporation
Country Rank
Japan
Japan
Japan
Japan
Thailand
Japan
Taiwan
Japan
Japan
South Korea
South Korea
India
Thailand
Japan
South Korea
South Korea
Japan
210
113
118
209
116
120
270
224
109
17
44
261
91
203
175
154
141
Taiwan
Philippines
56
245
Australia
Malaysia
Pakistan
Taiwan
Philippines
Japan
Japan
Japan
Japan
Japan
Japan
Japan
Japan
Japan
Japan
Japan
28
52
274
58
181
170
183
275
125
1
24
171
292
2
126
108
Japan
Japan
Australia
Pakistan
Japan
Japan
243
78
10
216
54
8
Malaysia
Japan
Japan
Japan
India
Singapore
217
101
128
293
162
30
ISSUE 72
9/17/07 11:42:07 AM
Name
P
Philippine National Bank
Public Bank
Punjab National Bank
Pusan Bank
R
Resona Holdings
RHB Bank
Rizal Commercial Banking
Rokinren Bank
S
Saikyo Bank
San-In Godo Bank
Sapporo Hokuyo Holdings
Sendai Bank
Senshu Bank
Shanghai Commercial & Savings Bank
Shanghai Commercial Bank
Shanghai Pudong Development Bank
Shanghai Rural Commercial Bank
Shenzhen Commercial Bank
Shenzhen Development Bank
Shenzhen Rural Commercial Bank
Shiga Bank
Shikoku Bank
Shimizu Bank
Shin Kong Commercial Bank
Shinhan Bank
Shinkin Central Bank
Shinkumi Federation Bank
Shinsei Bank
Shizuoka Bank
Shoko Chukin Bank
Shonai Bank
Siam City Bank
Siam Commercial Bank
Sonali Bank
Sony Bank
St. George Bank
Standard Chartered Bank (Hong Kong)
Standard Chartered Bank (India)
Standard Chartered Bank (Malaysia)
Standard Chartered Bank (Thailand)
Standard Chartered First Bank Korea
State Bank of India
Suhyup Bank
Sumitomo Mitsui Financial Group
Sumitomo Trust & Banking
Suncorp-Metway
Sunny Bank
Suruga Bank
Syndicate Bank
Country Rank
Name
Philippines
Malaysia
India
South Korea
288
73
80
124
Japan
Malaysia
Philippines
Japan
11
112
296
82
Japan
Japan
Japan
Japan
Japan
Taiwan
Hong Kong
China
China
China
China
China
Japan
Japan
Japan
Taiwan
South Korea
Japan
Japan
Japan
Japan
Japan
Japan
Thailand
Thailand
Bangladesh
Japan
Australia
Hong Kong
India
Malaysia
Thailand
South Korea
India
South Korea
Japan
Japan
Australia
Taiwan
Japan
India
265
103
53
259
156
167
189
36
157
215
93
258
88
137
200
208
21
15
95
38
46
31
247
195
107
284
255
42
63
204
202
282
51
18
164
4
20
72
239
117
138
Ta Chong Bank
Taichung Commercial Bank
Taiko Bank
Taipei Fubon Commercial Bank
Taishin International Bank
Taiwan Business Bank
Taiwan Cooperative Bank
Tajima Bank
Tianjin City Commercial Bank
TMB Bank
Tochigi Bank
Toho Bank
Tohoku Bank
Tokushima Bank
Tokyo Star Bank
Tokyo Tomin Bank
Tomato Bank
Tottori Bank
Towa Bank
Country Rank
T
U
UCO Bank
Union Bank of India
Union Bank of Taiwan
United Bank of India
United Bank Pakistan
United Overseas Bank
United Overseas Bank (Malaysia)
United Overseas Bank (Thailand)
Taiwan
Taiwan
Japan
Taiwan
Taiwan
Taiwan
Taiwan
Japan
China
Thailand
Japan
Japan
Japan
Japan
Japan
Japan
Japan
Japan
Japan
197
237
214
94
119
98
47
253
231
135
144
121
279
220
178
133
252
256
176
India
India
Taiwan
India
Pakistan
Singapore
Malaysia
Thailand
161
123
201
223
251
29
229
280
V
Vietnam Bank for Agriculture and Rural Development Vietnam
Vijaya Bank
India
W
Westpac Banking Corporation
Australia
Westpac Banking Corporation (New Zealand) New Zealand
Wing Hang Bank
Hong Kong
Wing Lung Bank
Hong Kong
Woori Bank
South Korea
Wuxi City Commercial Bank
China
Y
169
222
14
97
168
205
19
300
Yachiyo Bank
Yamagata Bank
Yamaguchi Bank
Yamanashi Chuo Bank
Japan
Japan
Japan
Japan
160
174
77
129
77 Bank
Japan
70
Bank-specific footnotes: • 1. AXIS Bank was previously known as UTI Bank which changed name in July 2007. • 2. Banco de Oro-EPCI was formed following
the merger of Banco de Oro and Equitable PCI Bank in November 2006. • 3. Bank of Najing used to be called Nanjing City Commercial Bank, and changed its
name in March 2007. • 4. Bank of Ningbo used to be called Ningbo City Commercial Bank, and changed its name in May 2007. • 5. Bank of Overseas Chinese is
scheduled to be acquired by Citigroup in 2007. • 6. Bank SinoPac merged with International Bank of Taipei in June 2005. • 7. Bendigo Bank has agreed to merger
with Adelaide Bank in August 2007. • 8. China Construction Bank (Asia) used to be called Bank of America (Asia), it changed its name following the acquisition by
China Construction Bank in August 2006. • 9. Chinese Bank was taken by Taiwanʼs Central Deposit Insurance Corporation in January 2007, after a series financial
scandal. • 10. Chong Hing Bank used to be called Liu Chong Hing Bank, and changed its name in December 2006. • 11. Hsinchu International Bank was acquired
by Standard Chartered Bank in September 2006, and was renamed Standard Chartered Bank (Taiwan) in July 2007. • 12. Huishang Bank was formed following
the merger of six city commercial banks and seven credit cooperatives in December 2005. • 13. Mega International Commercial Bank was formed following the
merger of International Commercial Bank of China and Chiao Tung Bank in August 2006. • 14. Shinhan Bank merged with Chohung Bank in April 2006. • 15.
Taiwan Cooperative Bank acquired Farmers Bank of Taiwan in May 2006.
ISSUE 72
The Asian Banker
17
9/17/07 11:42:07 AM
T
HoE nAS
R ent
sp
s oIA
r eNd BsAt N
a tKeEm
Focusing on Cash Management for Financial Institutions
across Asia – with highlights on the Chinese market
he model of engagement that banks have
with their financial institutional (“FI”) clients is constantly being updated to respond
to the clients’ rapidly changing needs. At
Deutsche Bank, which services its FI clients
from 17 markets around Asia and 75 markets
across the globe, the new focus of building
dedicated teams for cash management, is
moving the bank away from its old relationship
manager model that treated cash management as one product among many.
John Ball, regional head of Cash Management Financial Institutions for Deutsche Bank
in Asia Pacific, notes that “Over the last two
years, Deutsche Bank has taken a much more
focused approach to the cash management
business with financial institutions which are
not diluted by a whole series of products
to pick and choose from. We’re especially
interested in offering the best of breed cash
management solutions for the financial institutions cash management arena. Over the same
period, the staff count of our cash management business has increased by 35 percent
in Asia, the majority of which is boosting the
bank’s China team.”
T
John Ball
regional head of
Cash Management
Financial Institutions for
Deutsche Bank in
Asia Pacific
China
Nancy So
head of
Cash Management
Financial Institutions for
Deutsche Bank in China
18
The Asian Banker
Deutsche Bank has been leveraging its global
strengths as a leading provider of Euro and
US dollar payments into its regional capabilities. And with its ever-increasing China
coverage, the bank is boosting its ability to
meet the high expectations of discerning FI
clients who have many large Chinese clients
that are increasing their overseas expansion
plans. Nancy So, Deutsche Bank’s head of
Cash Management Financial Institutions for
China, notes that “Chinese companies are
going abroad, investing abroad, and many
of them are very large Chinese corporates
among the world’s 500 largest companies
- (based on Fortune 500 listed as of 2006 in
Accenture’s 2007 report).”
As their Chinese corporate clients go
abroad, the Chinese banks are also looking
to service their offshore needs. So sees this
as an opportunity for Deutsche Bank to add
value to their existing relationships with their
FI clients. “Deutsche Bank is able to share
both global and local expertise with the
Chinese banks so that they can service their
corporates going overseas. We are really in
the partnership approach.”
Deutsche Bank’s attention is also on the
steady stream of new international clients who
are setting up domestically. “With so many
countries establishing businesses in China,”
says Ball, “we’re able to provide that window
into China as well as expertise which Nancy
and her team share with other colleagues and
FI clients around the world - with a focus on
how businesses are conducted in China. They
are well-qualified to ensure that our established business is expedited successfully.”
Customisation through technology
So pointed out the need for Deutsche Bank
to be able to customise solutions for clients through its global cash management
platform. Money Transfer New Architecture
(MTNA), the bank’s proprietary and highly
sophisticated system allows FI clients to
manage Euro and US dollar payments in a
highly automated manner. It offers the clients
the benefits from the Bank’s continuous investment in artificial intelligence. With MTNA,
clients can, for example, time the release of
treasury and commercial payments. Additionally, services can be customised on the
payee level where payments can be executed
based on certain conditions so that the operational workload for the FI client can be
reduced significantly.
ISSUE 72
9/17/07 11:42:08 AM
So elaborates “In terms of the payment
format, we can scan the payment instructions based on related fields to offer tailored
payment pricing based on clients’ geography
and beneficiaries without having to increase
operational burdens for our FI clients,” she
says. “For intra-Asia processing, we can also
customise services to do priority services,
reaching beneficiary bank instantaneously by
scanning the receiving bank’s country.”
With MTNA, Deutsche Bank has a competitive advantage of delivering innovative
product capabilities that is crucial in countries
with challenging landscapes, such as China.
“Given the wide geographical spread of China,” So says, “along with business practices
that vary in-country, clients are always on the
lookout for solutions that simplify day to day
transaction processing.”
MTNA’s compelling features take the
complexity out of managing multiple crossborder payments. For example, a Chinese
Multinational Corporation (“MNC”) that is
importing from multiple suppliers all over the
world would require cross-border payments.
Through MTNA, FI clients can enjoy tailored
fee services and the payment processing
that is tied up to the client’s multiple vendors
around the world.
Leveraging its unique strength in processing payments in both Euros and US dollars, a
rare combination among global cash management players, the bank is proud of the fact that
it is the only dollar service provider at China’s
massive postal bank network, which provides
access to most of China’s 1.3 billion people.
So also explains that China is still more a
recipient of inbound payments rather than a
source of outbound payments, but given the
bank’s strong role in both US dollars and Euros, it is strategically positioned to become the
global payments gateway to facilitate inbound
payments for Chinese beneficiaries through
its financial institutions clients.
So believes that the cash management
landscape in China will evolve with the greater
adoption of the Internet, “As the popularity
of the Internet becomes more widespread in
China, clients would turn to banks with global
platforms for faster processing, increased
transaction accuracy and cost effectiveness.
At Deutsche Bank, we will adapt to these
market trends by offering our clients innovative solutions that enable clients to streamline
their operations.”
To address the changing demands of
its clients and the market, Deutsche Bank
has committed resources to remain at the
forefront of technology “Since we have both
Euros and US dollars, we have the scale
to constantly invest in new payment solutions,” explains Ball. “We are in constant
dialogue with clients around the world to
hear their issues firsthand and to better
understand how we can enhance our cash
management capabilities.”
Interaction
One case in point about Deutsche Bank’s
presence in China is largely about understanding the ever-changing business
environment in this growth market. “Our
colleagues in Europe or North America are
constantly demanding information about doing business in China,” explains Ball, “and
how to conduct transactions in the most
efficient way. In the same regard, we are
also updating and sharing latest ideas about
transacting into China with our clients.” And
with its broad Asia footprint, the same can be
said about the other markets that the bank
is operating in.
Providing such technologically-strong
product offerings means that the bank needs
to interact with its clients constantly, both in
terms of updating them about their services
and also finding out what their specific needs
really are. Ball added “We regularly conduct
workshops with our FI clients to share our
insights and our best practices as well as industry trends with our clients. In addition, our
clients can leverage the expertise offered by
the bank across the vast global network.” And
by listening to the views of these FI clients,
Deutsche Bank understands their strategies
in serving their corporate and retail clients’
international payments.
With dedicated on-shore presence in 17
Asian markets, FI clients can access and tap
into the pool of on-the-ground experience and
knowledge which Deutsche Bank can offer.
Deutsche Bank’s strong local presence, global
customer service network and the leading
technology behind MTNA, provide FI clients
with first-class cash management tools to
service their own customer base.
Latest industry accolades also recognise
Deutsche Bank’s strengths in cash management with recent awards by Euromoney
Awards for Excellence 2007 as Best Cash
Management House – Asia, and in Asiamoney
Cash Management Poll 2007, Best Overall
Cash Management Services as voted by FIs
and Best After-Sales Customer Service.
ISSUE 72
The Asian Banker
19
9/17/07 11:42:15 AM
The Region’s Largest Banks
AB300
Rank
2006
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
1
2
4
3
8
5
6
7
9
11
10
12
14
15
13
17
16
19
20
18
35
22
25
21
26
24
28
37
29
33
23
27
36
45
41
40
38
32
34
31
30
54
50
43
55
39
48
44
49
46
1 to 50 (A)
AB300
Rank
2007
Commercial Bank
Bank of China
Norinchukin Bank
Resona Holdings
Kookmin Bank
State Bank of India
Woori Bank
Shinhan Bank
DBS Group Holdings
Hana Bank
Macquarie Bank
Shoko Chukin Bank
Bank of Yokohama
China CITIC Bank
ICICI Bank
Hang Seng Bank
Shinsei Bank
Bank of Taiwan
Chiba Bank
St. George Bank
Industrial Bank
Korea Exchange Bank
Shizuoka Bank
Bank of Fukuoka
ANZ National Bank
Joyo Bank
Country
Japan
Japan
China
Japan
China
China
China
Japan
Hong Kong
Australia
Japan
Australia
Australia
Australia
Japan
China
South Korea
India
South Korea
Japan
South Korea
Singapore
South Korea
Japan
China
Hong Kong
South Korea
Australia
Singapore
Singapore
Japan
Japan
China
India
China
China
Hong Kong
Japan
Taiwan
Japan
Japan
Australia
China
South Korea
China
Japan
Taiwan
Japan
New Zealand
Japan
Assets
Loans
$million
Change
$million
Change
Rank
1,502,274
1,234,395
961,783
825,641
697,856
684,463
682,071
577,296
406,112
361,645
331,617
273,963
250,482
223,482
220,721
220,235
214,286
187,010
181,760
170,702
169,957
128,715
121,438
120,212
119,642
117,778
114,051
110,557
105,199
98,617
97,152
93,071
90,536
90,465
89,715
88,293
86,236
85,604
82,807
81,966
80,295
79,822
79,117
77,006
76,222
73,325
72,711
67,332
65,308
62,924
-0.8%
0.9%
16.3%
-6.0%
18.8%
12.0%
12.3%
-3.7%
17.9%
14.4%
0.5%
9.4%
16.8%
12.5%
-3.0%
20.8%
8.8%
17.0%
30.3%
-1.1%
131.7%
9.5%
19.0%
1.1%
27.2%
11.2%
21.1%
28.4%
11.2%
15.2%
-0.7%
5.3%
18.8%
42.2%
25.6%
20.2%
15.2%
17.4%
4.5%
-0.4%
2.1%
25.5%
30.0%
7.4%
16.4%
0.9%
20.7%
3.6%
12.7%
1.5%
723,076
560,343
452,639
506,689
358,114
397,350
299,393
107,423
134,533
224,208
220,258
192,371
190,533
174,923
47,378
116,594
159,790
111,789
128,465
94,477
120,553
55,530
88,212
68,412
71,702
44,996
85,607
47,481
50,133
38,678
77,788
68,514
58,070
48,497
56,926
57,434
36,006
42,447
45,257
53,636
56,962
60,810
40,760
52,404
45,136
47,858
52,603
44,983
49,518
37,013
-0.8%
1.0%
10.2%
2.6%
16.7%
11.1%
8.6%
7.6%
4.4%
20.1%
0.1%
13.5%
9.9%
14.9%
-6.6%
20.0%
10.5%
30.2%
33.5%
2.7%
152.9%
7.2%
28.6%
-3.9%
22.0%
4.1%
21.5%
34.5%
15.7%
7.6%
-1.1%
0.0%
26.6%
35.3%
18.5%
22.2%
7.2%
26.8%
11.1%
4.2%
2.8%
11.7%
34.0%
17.0%
16.0%
6.9%
34.5%
5.2%
12.9%
0.5%
1
2
4
3
6
5
7
19
14
8
9
10
11
12
41
17
13
18
15
20
16
32
21
26
24
44
22
40
36
50
23
25
28
38
31
29
55
46
42
33
30
27
48
35
43
39
34
45
37
53
Generic footnotes: • Whenever possible, Consolidated figures have been taken for the Banking Groups. • Exceptions would be where non-banking activities account for a substantial portion of the consolidated figures – in those cases, the
Unconsolidated (Bank only) operations are used. • Except otherwise stated, data pertains to fiscal years ended between December 2005 and March 2007. (cut-off date for inclusion is till June 2007) • All values are quoted in US dollars
and all % changes are calculated using local currencies. • Assets are the sum of cash & bank balances, marketable securities & other short-term investments, net loans & mortgages, long-term investments, fixed assets and other assets.
• Deposits are demand, savings, time deposits received from non-bank customers and other shot-term funding. • Loans are commercial, consumer and other loans lent out to non-bank customers (net of general and specific loan loss
provisions). • Net Interest Income is interest and investment income (net of interest expenses). • Total Operating Income is the summation of Net Interest Income and Non-interest Income (fees and commissions, dividends, rental income
and other operating income). • Operating Expenses are staff expenses and other non-interest operating expenses (before goodwill amortisation and provisions). • Operating Profits are total operating income less operating expenses (i.e.
profit before provisions and taxes). • Net Profits are recorded after non-operating items, provisions and taxes (including minority interest) • Shareholders’ Equity includes preferred and common equity, minority interest, disclosed reserves
and retained earnings. • Operating Return on Assets (ROA) is the ratio of operating profits over average assets. • Return on Assets & Return on Equity is net profit over assets and equity respectively. The figures of assets and equity
20
The Asian Banker
ISSUE 72
9/17/07 11:43:04 AM
$million
Change
Rank
$million
Rank
$million
Change
Rank
$million
Change
Rank
$million
Change
AB300
Rank
2006
1,247,784
973,126
871,337
693,886
636,117
652,442
575,857
454,207
338,901
202,208
293,789
144,909
169,836
171,173
170,712
203,165
159,679
157,132
130,472
133,858
121,017
89,884
96,644
87,103
109,079
102,929
67,599
38,842
86,678
58,380
21,312
85,288
83,342
71,180
83,372
80,834
73,448
62,821
73,761
75,035
74,340
41,943
70,650
53,415
66,577
62,834
66,090
60,658
56,825
56,492
-0.7%
-0.3%
13.3%
-6.9%
19.1%
15.5%
9.3%
-8.1%
16.2%
5.8%
-0.9%
16.2%
8.7%
34.7%
-5.1%
21.5%
3.0%
17.9%
24.7%
-0.3%
129.8%
11.2%
22.4%
4.0%
25.4%
10.5%
1.2%
30.5%
11.9%
16.6%
-0.6%
5.8%
20.5%
42.7%
23.2%
19.7%
14.4%
41.9%
4.5%
-1.0%
1.4%
-25.1%
25.8%
3.6%
14.7%
-0.2%
17.7%
1.4%
15.1%
0.3%
1
2
3
4
6
5
7
8
9
12
10
18
15
13
14
11
16
17
20
19
21
25
24
26
22
23
38
68
27
44
121
28
30
36
29
31
35
42
34
32
33
63
37
50
39
41
40
43
45
46
88,795
56,213
60,382
44,694
42,293
10,759
53,514
37,046
26,800
18,879
16,461
15,053
14,632
11,846
7,861
11,591
16,297
10,146
12,174
10,028
10,434
13,670
7,679
9,581
7,065
10,365
6,489
5,468
11,201
9,450
5,629
6,003
4,077
5,695
2,473
3,164
5,808
7,901
6,540
5,042
4,142
3,961
2,075
6,899
47
6,610
3,000
4,239
4,306
4,381
1
3
2
5
6
19
4
7
8
9
10
12
13
16
27
17
11
22
15
23
20
14
28
24
29
21
34
39
18
25
38
35
50
37
77
63
36
26
33
40
48
52
91
30
299
32
66
47
46
45
16,144
9,256
20,892
9,921
17,979
9,230
15,460
2,224
6,586
6,480
4,786
4,835
5,179
4,209
751
5,098
7,412
5,335
3,882
1,235
3,355
2,380
2,560
839
2,755
1,970
2,826
658
1,768
1,254
1,223
1,407
2,110
1,681
2,071
2,278
1,513
810
141
1,143
1,169
1,502
1,697
2,192
na
953
653
898
950
894
2.5%
2.6%
10.2%
0.6%
20.4%
7.5%
20.2%
27.7%
17.5%
25.1%
2.5%
8.1%
19.3%
7.3%
-1.0%
26.0%
1.7%
6.5%
10.7%
1.7%
45.5%
22.0%
15.1%
-16.8%
29.2%
19.1%
10.5%
28.1%
12.6%
11.3%
-0.9%
-0.4%
30.1%
45.5%
30.7%
27.8%
8.2%
16.1%
-27.7%
4.4%
0.2%
122.4%
42.4%
7.8%
na
3.1%
47.6%
1.7%
-76.9%
-1.1%
3
6
1
5
2
7
4
24
9
10
15
14
12
16
74
13
8
11
17
42
18
22
21
65
20
28
19
84
29
39
43
35
26
31
27
23
33
69
259
48
45
34
30
25
na
54
85
60
56
61
35,138
19,390
22,912
24,869
19,362
11,201
18,625
6,937
11,900
11,013
7,574
8,644
7,573
6,843
1,141
5,615
8,008
7,890
4,617
2,559
4,121
3,524
2,802
2,887
3,213
2,706
3,031
4,582
2,876
2,305
1,289
1,825
2,284
5,426
2,236
2,424
2,343
3,702
517
1,727
1,817
2,185
1,748
2,808
na
1,423
809
1,218
1,442
1,330
1.4%
5.9%
10.2%
-0.8%
17.9%
11.0%
20.7%
186.3%
19.6%
7.6%
9.6%
9.2%
8.0%
6.3%
-2.3%
24.7%
1.4%
4.3%
11.6%
-12.9%
41.8%
23.4%
15.1%
-5.0%
30.8%
18.1%
11.9%
31.4%
15.5%
23.8%
-0.3%
1.1%
31.7%
63.0%
36.1%
29.9%
5.5%
-0.9%
13.2%
6.3%
2.8%
108.3%
40.2%
8.1%
na
15.0%
29.2%
2.4%
-68.7%
1.6%
1
4
3
2
5
8
6
15
7
9
13
10
14
16
72
17
11
12
19
31
21
23
29
26
24
30
25
20
27
34
64
41
35
18
36
32
33
22
145
46
42
38
45
28
na
55
94
69
54
59
19,083
10,315
8,536
16,071
7,416
10,499
7,864
3,265
4,943
5,490
3,677
3,977
3,342
3,184
677
2,322
3,560
4,589
2,288
1,027
2,222
1,472
1,328
1,045
1,239
837
1,156
3,927
1,165
877
633
787
1,038
4,132
1,102
1,005
677
2,948
457
785
948
981
681
1,228
na
704
497
641
831
659
-2.4%
5.3%
8.0%
14.2%
10.8%
36.2%
22.6%
135.7%
20.6%
-0.6%
12.8%
2.0%
1.4%
2.8%
10.7%
15.8%
3.2%
13.6%
10.9%
-3.9%
84.1%
11.0%
3.8%
-6.2%
21.5%
13.4%
8.7%
52.9%
19.3%
21.3%
-4.2%
4.1%
34.0%
70.4%
43.7%
33.6%
15.6%
7.6%
1.2%
9.4%
1.7%
95.7%
36.4%
-4.2%
na
1.9%
-0.1%
-0.6%
-79.4%
5.5%
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
Deposits
Shareholder’s Equity
Net Interest Income
Total Operating Income
Operating Expenses
are referred to the average for the FY. • Total Capital Adequacy Ratio (CAR) is the risk weighted capital ratio. Risk capital is the summation of Tier1 and Tier 2 capital less investment in subsidiaries, where Tier 2 capital includes cumulative
preference shares, revaluation reserves, subordinate and other long-term debts. • Tier 1 Capital Ratio is the core capital ratio which includes common stock, disclosed reserves, retained earnings, and minority interests in equity or
associates. Basel requirement is for a minimum CAR of 8% and a minimum Tier 1 of 4%. • Operating Cost to Income Ratio (CIR) is the ratio of operating expenses over total operating income. • Non-interest Income Ratio is the ratio of
non-interest income over total operating income. • LLR / NPL Ratio is to assess the loan loss reserve coverage of non-performing loans. • Non-performing Loans Ratio (NPL Ratio) are the impaired loans over gross loans where impaired
loans are basically those on which interest payments are 90 days overdue are categorized as non-performing, although definitions do slightly vary across countries. • In the change in operating profits and net profit column, P-L denotes
profits from the previous FY deteriorating to losses; L-P denotes losses to profits; L-L denotes losses to losses. • na – data not available. Data for rows with incomplete information was primarily complied from several media sources given
that financials could not be sourced from the organisations. • All data in this table is collected and updated to the best of our knowledge. We provide this service with no warranty whatsoever as to the currency, accuracy, or
applicability or the data for any purposes.
ISSUE 72
The Asian Banker
21
9/17/07 11:43:08 AM
AB300
Rank
2006
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
1
2
4
3
8
5
6
7
9
11
10
12
14
15
13
17
16
19
20
18
35
22
25
21
26
24
28
37
29
33
23
27
36
45
41
40
38
32
34
31
30
54
50
43
55
39
48
44
49
46
1 to 50 (B)
AB300
Rank
2007
Commercial Bank
Bank of China
Norinchukin Bank
Resona Holdings
Kookmin Bank
State Bank of India
Woori Bank
Shinhan Bank
DBS Group Holdings
Hana Bank
Macquarie Bank
Shoko Chukin Bank
Bank of Yokohama
China CITIC Bank
ICICI Bank
Hang Seng Bank
Shinsei Bank
Bank of Taiwan
Chiba Bank
St. George Bank
Industrial Bank
Korea Exchange Bank
Shizuoka Bank
Bank of Fukuoka
ANZ National Bank
Joyo Bank
Operating Profit
Net Profit
Country
$million
Change
Rank
$million
Change
Rank
Japan
Japan
China
Japan
China
China
China
Japan
Hong Kong
Australia
Japan
Australia
Australia
Australia
Japan
China
South Korea
India
South Korea
Japan
South Korea
Singapore
South Korea
Japan
China
Hong Kong
South Korea
Australia
Singapore
Singapore
Japan
Japan
China
India
China
China
Hong Kong
Japan
Taiwan
Japan
Japan
Australia
China
South Korea
China
Japan
Taiwan
Japan
New Zealand
Japan
16,055
9,075
14,377
8,798
11,946
702
10,761
3,672
6,957
5,523
3,898
4,667
4,231
3,659
464
3,293
4,448
3,302
2,329
1,532
1,899
2,052
1,474
1,842
1,974
1,869
1,875
655
1,711
1,428
656
1,038
1,245
1,294
1,133
1,419
1,666
753
59
942
869
1,204
1,067
1,580
na
718
311
577
612
671
6.4%
6.5%
11.5%
-20.0%
22.8%
-70.5%
19.3%
253.9%
18.9%
17.2%
6.7%
16.3%
13.9%
9.5%
-16.5%
31.8%
0.0%
-6.3%
12.2%
-18.0%
11.7%
34.0%
27.6%
-4.2%
37.4%
20.4%
14.0%
-28.8%
13.1%
25.3%
3.8%
-1.1%
29.8%
43.2%
29.4%
27.4%
1.9%
-24.2%
1224.0%
3.9%
4.1%
119.9%
42.7%
20.1%
na
31.6%
142.8%
5.9%
7.7%
-2.1%
1
5
2
6
3
55
4
13
7
8
12
9
11
14
86
16
10
15
17
27
20
18
28
23
19
22
21
60
24
29
59
37
33
32
35
30
25
48
265
39
42
34
36
26
na
53
120
68
64
58
8,319
6,010
6,319
4,247
5,933
744
6,039
2,185
5,491
3,835
5,750
2,939
2,754
2,331
333
1,571
2,658
1,519
1,770
694
1,545
1,584
1,132
1,008
910
1,809
1,133
1,257
1,712
1,373
109
559
477
604
491
429
1,591
-376
335
462
346
794
486
1,084
357
338
282
290
399
230
-23.5%
-3.2%
30.3%
-33.0%
-1.6%
456.2%
44.7%
-4.6%
14.5%
11.6%
71.0%
16.1%
16.2%
6.0%
-13.3%
32.7%
9.5%
16.9%
15.2%
-7.6%
89.1%
146.6%
14.0%
-5.6%
87.7%
2.8%
35.0%
55.6%
51.6%
50.7%
37.6%
9.1%
18.3%
9.8%
43.3%
31.1%
6.8%
P-L
-23.1%
6.6%
52.1%
119.4%
54.1%
-48.0%
21.6%
13.4%
248.3%
8.4%
12.3%
5.3%
1
4
2
8
5
33
3
14
7
9
6
10
11
13
68
20
12
22
16
35
21
19
26
28
29
15
25
24
17
23
146
39
44
38
42
50
18
295
66
47
64
30
43
27
59
65
73
70
54
86
Generic footnotes: •Whenever possible, Consolidated figures have been taken for the Banking Groups. vExceptions would be where non-banking activities account for a substantial portion of the consolidated figures – in those cases, the
Unconsolidated (Bank only) operations are used. vExcept otherwise stated, data pertains to fiscal years ended between December 2005 and March 2007. (cut-off date for inclusion is till June 2007) vAll values are quoted in US dollars
and all % changes are calculated using local currencies. vAssets are the sum of cash & bank balances, marketable securities & other short-term investments, net loans & mortgages, long-term investments, fixed assets and other assets.
vDeposits are demand, savings, time deposits received from non-bank customers and other shot-term funding. vLoans are commercial, consumer and other loans lent out to non-bank customers (net of general and specific loan loss
provisions). vNet Interest Income is interest and investment income (net of interest expenses). vTotal Operating Income is the summation of Net Interest Income and Non-interest Income (fees and commissions, dividends, rental income
and other operating income). vOperating Expenses are staff expenses and other non-interest operating expenses (before goodwill amortisation and provisions). vOperating Profits are total operating income less operating expenses (i.e.
profit before provisions and taxes). vNet Profits are recorded after non-operating items, provisions and taxes (including minority interest) vShareholders’ Equity includes preferred and common equity, minority interest, disclosed reserves
and retained earnings. vOperating Return on Assets (ROA) is the ratio of operating profits over average assets. vReturn on Assets & Return on Equity is net profit over assets and equity respectively. The figures of assets and equity
22
The Asian Banker
ISSUE 72
9/17/07 11:43:10 AM
Operating
Return on
Assets
2.1%
1.5%
3.5%
2.0%
na
0.2%
3.5%
1.2%
4.0%
3.5%
2.4%
3.7%
3.9%
3.7%
0.4%
3.6%
4.5%
4.1%
3.3%
1.8%
5.2%
3.5%
2.9%
3.1%
4.2%
3.5%
4.0%
1.5%
3.6%
3.3%
1.3%
2.3%
3.3%
4.1%
3.2%
3.9%
4.4%
2.1%
0.1%
2.3%
2.2%
3.8%
3.5%
4.4%
na
2.0%
1.0%
1.8%
2.1%
2.2%
Return on
Equity
Assets
9.7%
11.1%
13.5%
9.3%
15.0%
7.1%
13.9%
6.2%
22.0%
21.7%
36.4%
18.4%
18.9%
20.5%
4.4%
14.1%
17.9%
16.0%
15.6%
7.2%
21.2%
12.1%
15.7%
11.4%
17.5%
18.1%
19.4%
27.1%
16.2%
15.1%
2.0%
9.6%
13.4%
11.0%
22.1%
16.5%
29.0%
-4.3%
5.6%
9.6%
9.1%
19.9%
26.2%
16.7%
753.8%
5.3%
11.4%
7.6%
9.1%
5.4%
0.6%
0.5%
0.7%
0.5%
0.9%
0.1%
0.9%
0.4%
1.5%
1.1%
1.7%
1.1%
1.2%
1.1%
0.1%
0.8%
1.3%
0.9%
1.1%
0.4%
1.3%
1.3%
1.0%
0.8%
0.9%
1.6%
1.1%
1.3%
1.7%
1.5%
0.1%
0.6%
0.6%
0.8%
0.6%
0.5%
2.0%
-0.5%
0.4%
0.6%
0.4%
1.1%
0.7%
1.5%
0.5%
0.5%
0.4%
0.4%
0.6%
0.4%
Loan to
Deposit
Ratio
57.9%
57.6%
51.9%
73.0%
56.3%
60.9%
52.0%
23.7%
39.7%
110.9%
75.0%
132.8%
112.2%
102.2%
27.8%
57.4%
100.1%
71.1%
98.5%
70.6%
99.6%
61.8%
91.3%
78.5%
65.7%
43.7%
126.6%
122.2%
57.8%
66.3%
365.0%
80.3%
69.7%
68.1%
68.3%
71.1%
49.0%
67.6%
61.4%
71.5%
76.6%
145.0%
57.7%
98.1%
67.8%
76.2%
79.6%
74.2%
87.1%
65.5%
Operating Non-interest
Income
Cost to
Ratio
Income Ratio
54.3%
53.2%
37.3%
64.6%
38.3%
93.7%
42.2%
47.1%
41.5%
49.8%
48.5%
46.0%
44.1%
46.5%
59.3%
41.4%
44.5%
58.2%
49.5%
40.1%
53.9%
41.8%
47.4%
36.2%
38.6%
30.9%
38.1%
85.7%
40.5%
38.0%
49.1%
43.1%
45.5%
76.2%
49.3%
41.4%
28.9%
79.7%
88.5%
45.5%
52.2%
44.9%
38.9%
43.7%
na
49.5%
61.5%
52.6%
57.6%
49.6%
54.1%
52.3%
8.8%
60.1%
na
17.6%
17.0%
67.9%
44.7%
41.2%
36.8%
44.1%
31.6%
38.5%
34.2%
9.2%
7.4%
32.4%
15.9%
51.7%
18.6%
32.5%
8.6%
70.9%
14.3%
27.2%
6.8%
85.6%
38.6%
45.6%
5.1%
22.9%
7.6%
69.0%
7.4%
6.0%
35.4%
78.1%
72.7%
33.8%
35.7%
31.3%
2.9%
21.9%
na
33.0%
19.2%
26.3%
34.1%
32.8%
Equity to
Assets
Ratio
5.9%
4.6%
6.3%
5.4%
6.1%
1.6%
7.8%
6.4%
6.6%
5.2%
5.0%
5.5%
5.8%
5.3%
3.6%
5.3%
7.6%
5.4%
6.7%
5.9%
6.1%
10.6%
6.3%
8.0%
5.9%
8.8%
5.7%
4.9%
10.6%
9.6%
5.8%
6.4%
4.5%
6.3%
2.8%
3.6%
6.7%
9.2%
7.9%
6.2%
5.2%
5.0%
2.6%
9.0%
0.1%
9.0%
4.1%
6.3%
6.6%
7.0%
Capital
Adequacy Ratio
Tier 1
Total
Loan Loss
Reserve to
Gross NPLs
7.6%
7.0%
12.2%
6.5%
9.9%
na
11.4%
7.0%
12.3%
7.4%
6.5%
7.6%
6.8%
6.9%
16.8%
8.5%
10.1%
na
7.1%
7.0%
7.8%
10.2%
8.2%
8.9%
9.6%
11.8%
8.4%
15.0%
11.0%
13.1%
na
10.7%
6.6%
7.4%
4.4%
5.4%
10.7%
8.1%
16.5%
9.7%
7.7%
6.9%
4.8%
9.7%
na
12.2%
6.8%
9.8%
7.0%
10.2%
12.6%
12.5%
14.1%
11.3%
12.1%
-17.6%
13.6%
12.9%
13.5%
10.8%
10.6%
9.7%
10.6%
9.6%
20.1%
10.8%
14.2%
12.4%
11.6%
12.3%
12.0%
14.5%
11.9%
12.1%
11.4%
14.0%
11.7%
15.5%
16.3%
15.8%
8.0%
11.1%
9.4%
11.7%
8.1%
9.3%
13.6%
13.1%
12.9%
11.6%
10.4%
10.8%
8.7%
12.5%
na
14.6%
10.7%
11.3%
8.8%
12.0%
85.1%
72.4%
70.6%
83.3%
82.2%
na
91.3%
70.4%
79.6%
191.2%
73.5%
373.3%
318.9%
230.3%
74.1%
93.1%
150.8%
na
148.2%
87.9%
184.0%
115.0%
174.8%
62.6%
135.6%
55.5%
178.8%
97.6%
79.2%
100.9%
48.8%
23.2%
84.6%
58.4%
116.6%
152.7%
66.6%
243.6%
84.9%
31.0%
37.4%
347.7%
na
206.0%
67.4%
30.6%
66.0%
59.9%
321.7%
30.0%
Gross
NPL
Ratio
AB300
Rank
2007
1.8%
1.8%
3.8%
1.8%
3.3%
23.4%
4.2%
2.3%
0.8%
0.4%
2.8%
0.1%
0.3%
0.2%
0.2%
2.5%
1.0%
2.6%
1.0%
1.0%
0.8%
1.8%
0.7%
1.8%
2.1%
0.6%
0.7%
0.3%
4.0%
3.0%
6.3%
2.5%
2.5%
2.0%
1.2%
1.8%
0.5%
1.3%
1.1%
3.2%
4.7%
0.1%
1.5%
0.6%
7.6%
3.5%
1.8%
2.4%
0.2%
3.4%
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
are referred to the average for the FY. vTotal Capital Adequacy Ratio (CAR) is the risk weighted capital ratio. Risk capital is the summation of Tier1 and Tier 2 capital less investment in subsidiaries, where Tier 2 capital includes cumulative
preference shares, revaluation reserves, subordinate and other long-term debts. vTier 1 Capital Ratio is the core capital ratio which includes common stock, disclosed reserves, retained earnings, and minority interests in equity or
associates. Basel requirement is for a minimum CAR of 8% and a minimum Tier 1 of 4%. vOperating Cost to Income Ratio (CIR) is the ratio of operating expenses over total operating income. vNon-interest Income Ratio is the ratio of
non-interest income over total operating income. v LLR / NPL Ratio is to assess the loan loss reserve coverage of non-performing loans. vNon-performing Loans Ratio (NPL Ratio) are the impaired loans over gross loans where impaired
loans are basically those on which interest payments are 90 days overdue are categorized as non-performing, although definitions do slightly vary across countries. vIn the change in operating profits and net profit column, P-L denotes
profits from the previous FY deteriorating to losses; L-P denotes losses to profits; L-L denotes losses to losses. vna – data not available. Data for rows with incomplete information was primarily complied from several media sources given
that financials could not be sourced from the organisations. v All data in this table is collected and updated to the best of our knowledge. We provide this service with no warranty whatsoever as to the currency, accuracy, or
ISSUE 72
The Asian Banker
23
9/17/07 11:43:12 AM
AB300
Rank
2006
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
51
59
47
52
68
53
57
na
61
66
56
58
69
60
64
62
63
67
70
65
141
77
98
83
71
73
72
75
94
86
90
74
79
84
104
78
81
82
92
97
100
85
101
93
80
109
88
87
112
144
51 to 100 (A)
AB300
Rank
2007
Commercial Bank
Maybank
Hua Xia Bank
Land Bank of Taiwan
Aozora Bank
Bank of Kyoto
Citibank Korea
Hiroshima Bank
Hachijuni Bank
Gunma Bank
Chugoku Bank
77 Bank (The)
Suncorp-Metway
Public Bank
Bangkok Bank
Iyo Bank
Yamaguchi Bank
Nanto Bank
Canara Bank
Bank of East Asia
Rokinren Bank
Ashikaga Bank
Cathay United Bank
Daishi Bank
Juroku Bank
Shiga Bank
Bank of New Zealand
Bank of Shanghai
Krung Thai Bank
Hyakugo Bank
Bank of Baroda
Westpac Banking Corporation (New Zealand)
Bank of India
Bank SinoPac
Assets
Loans
Country
$million
Change
$million
Change
Rank
South Korea
Malaysia
Japan
Japan
China
Taiwan
Japan
Taiwan
Japan
South Korea
Japan
Japan
Hong Kong
Japan
Taiwan
Japan
Taiwan
Taiwan
China
Japan
Malaysia
Australia
Malaysia
Thailand
Taiwan
Japan
Japan
Japan
India
India
Hong Kong
Japan
Japan
Taiwan
Australia
Japan
Japan
Japan
New Zealand
China
Thailand
Japan
China
Taiwan
Japan
India
New Zealand
Taiwan
India
Taiwan
61,613
61,014
59,066
57,886
57,003
56,672
55,381
55,273
54,498
52,328
51,939
51,592
50,401
49,729
48,792
48,646
48,511
48,313
47,890
47,655
45,218
42,582
41,870
41,710
41,609
40,958
39,984
39,268
38,207
38,041
37,920
36,768
36,145
36,123
36,005
35,552
35,259
35,170
34,928
34,588
33,611
33,484
33,375
33,303
33,278
32,839
32,631
32,543
32,483
32,020
-1.0%
16.8%
-4.5%
0.9%
25.0%
3.2%
9.0%
46.6%
9.9%
5.8%
1.9%
2.0%
16.0%
0.2%
-0.1%
-0.6%
-1.5%
4.9%
5.1%
2.0%
40.6%
9.5%
32.3%
6.8%
-0.1%
2.5%
-0.3%
-0.4%
24.5%
11.8%
23.2%
0.5%
1.4%
9.6%
24.6%
-0.1%
2.8%
2.8%
15.5%
12.5%
4.1%
3.8%
17.2%
9.0%
2.9%
26.2%
8.7%
1.4%
26.1%
77.2%
37,863
35,773
38,181
40,098
32,508
41,614
28,018
34,189
27,947
31,133
36,068
32,755
21,856
30,026
31,321
26,571
25,752
29,836
27,794
25,938
25,592
28,478
23,454
24,964
26,503
26,111
27,027
21,976
22,688
22,453
22,497
3,932
26,563
20,219
31,750
19,219
23,449
20,918
27,477
15,989
24,926
17,947
22,446
18,746
4,459
19,184
26,784
23,017
19,485
19,366
-4.1%
9.9%
2.1%
1.0%
11.1%
0.8%
12.1%
70.8%
7.2%
7.0%
9.3%
3.6%
0.4%
0.9%
14.0%
3.8%
-7.8%
9.1%
3.8%
1.9%
30.7%
7.3%
23.9%
7.2%
3.5%
2.2%
7.6%
2.5%
23.6%
29.8%
20.8%
15.7%
2.9%
6.9%
27.5%
4.1%
3.8%
4.3%
10.9%
4.3%
3.9%
4.5%
17.1%
11.3%
-2.4%
39.6%
6.5%
3.0%
30.3%
83.6%
52
56
51
49
59
47
66
57
67
62
54
58
90
63
61
72
77
64
68
76
78
65
81
79
74
75
70
89
85
87
86
258
73
94
60
100
82
91
69
115
80
106
88
102
244
101
71
84
98
99
24
The Asian Banker
ISSUE 72
9/17/07 11:43:14 AM
$million
Change
Rank
$million
Rank
$million
Change
Rank
$million
Change
Rank
$million
Change
AB300
Rank
2006
44,528
51,521
54,538
53,535
53,889
51,207
33,931
46,457
47,763
39,970
46,740
45,415
42,826
45,340
42,576
44,129
41,202
41,484
40,871
43,479
33,219
20,637
36,124
35,541
36,855
36,176
36,314
36,778
33,058
33,186
32,148
34,403
38,334
30,927
29,331
32,695
31,628
32,088
31,266
32,049
28,366
30,182
31,886
27,874
31,968
28,919
28,517
28,546
29,021
27,578
-2.2%
17.8%
-2.4%
1.1%
25.6%
2.8%
1.0%
42.2%
8.5%
4.4%
0.3%
1.3%
14.4%
-0.4%
0.8%
-1.7%
-2.9%
3.5%
4.2%
1.5%
34.7%
83.9%
33.0%
5.9%
0.4%
1.5%
-1.4%
-1.2%
22.8%
12.4%
25.9%
1.3%
-0.4%
11.8%
23.2%
-0.4%
1.5%
2.9%
14.9%
12.1%
-1.7%
3.6%
17.2%
9.3%
3.9%
28.0%
10.6%
-0.1%
26.3%
81.0%
58
51
47
49
48
52
77
55
53
67
54
56
61
57
62
59
65
64
66
60
78
124
74
75
70
73
72
71
80
79
82
76
69
89
91
81
87
83
88
84
97
90
86
99
85
93
95
94
92
100
2,862
4,755
3,358
2,723
1,491
3,000
6,651
4,605
4,104
3,624
2,805
4,382
3,841
3,301
2,348
3,559
2,154
2,674
164
3,246
3,595
3,279
2,461
4,067
2,523
3,475
3,035
1,927
2,497
2,496
3,452
1,845
-2,588
2,214
1,773
2,110
2,427
2,411
1,975
1,618
2,590
2,245
829
2,219
1,117
1,984
761
1,210
1,342
1,990
68
42
59
70
115
65
31
43
49
54
69
44
53
60
82
56
88
71
292
62
55
61
79
51
74
57
64
98
75
76
58
100
300
86
102
89
80
81
96
111
73
84
180
85
143
95
189
136
128
94
1,213
1,238
950
1,040
946
498
368
605
618
1,290
763
748
1,137
725
700
653
1,159
626
na
668
1,085
763
828
1,242
559
621
571
561
922
1,286
633
163
609
722
565
455
535
486
726
741
1,287
454
830
561
102
869
573
381
845
526
15.2%
6.3%
10.2%
-1.9%
32.0%
-10.5%
-17.7%
37.4%
2.1%
-5.2%
0.8%
3.2%
20.8%
1.1%
28.7%
0.6%
-7.0%
1.9%
na
3.5%
27.0%
30.6%
17.4%
9.6%
6.8%
3.0%
4.2%
0.7%
12.1%
18.0%
29.0%
6.7%
1.9%
-11.5%
17.6%
-4.0%
-2.1%
-5.1%
10.6%
11.9%
18.9%
-8.0%
32.5%
17.6%
27.7%
17.4%
-2.4%
-5.8%
28.1%
119.4%
44
41
55
52
57
112
145
95
92
36
72
75
49
78
80
86
46
90
na
82
50
73
67
40
104
91
99
103
58
38
88
248
94
79
101
120
106
117
77
76
37
121
66
102
280
62
98
140
64
109
1,378
2,213
1,475
1,298
1,290
680
968
1,236
831
1,375
994
1,560
1,619
1,232
1,012
1,125
1,884
849
na
978
1,814
1,806
1,249
1,880
676
872
785
691
1,324
1,514
1,023
293
745
905
728
805
867
713
1,065
798
1,547
653
914
769
114
1,135
945
340
1,200
725
18.9%
14.1%
27.8%
-2.3%
32.0%
-1.6%
1.8%
72.7%
7.6%
-7.9%
4.3%
18.2%
14.8%
14.9%
-25.6%
11.5%
-2.5%
4.0%
na
8.7%
38.6%
-9.6%
17.4%
20.0%
2.0%
5.0%
12.7%
-0.5%
13.4%
10.0%
27.4%
1.8%
1.8%
-14.5%
12.4%
5.6%
2.5%
13.9%
11.4%
6.2%
23.1%
-5.0%
30.9%
-2.5%
21.8%
12.0%
0.4%
-27.8%
28.9%
91.3%
56
37
52
62
63
121
82
67
92
58
80
49
48
68
79
75
39
90
na
81
43
44
65
40
123
86
100
119
60
51
78
221
107
85
111
96
88
113
76
98
50
124
84
103
290
74
83
198
71
112
887
875
873
739
552
448
441
452
495
965
520
914
694
741
437
695
923
417
na
686
951
1,062
433
956
333
488
483
500
611
766
441
173
285
369
465
416
586
515
509
261
704
469
416
358
56
584
541
285
598
377
2.0%
14.4%
8.1%
-2.1%
23.4%
-12.9%
7.9%
38.5%
4.8%
7.6%
1.1%
2.3%
15.9%
10.6%
-41.4%
10.3%
-3.9%
-1.5%
na
4.1%
47.9%
13.7%
16.1%
16.8%
-10.2%
-4.0%
6.4%
-0.1%
9.8%
9.9%
5.7%
-1.5%
-24.2%
-15.3%
9.9%
2.7%
-1.1%
14.9%
2.6%
-6.4%
15.0%
-7.1%
25.2%
7.3%
6.5%
6.7%
2.8%
1.8%
23.3%
68.0%
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
Deposits
Net Interest Income
Operating Expenses
ISSUE 72
The Asian Banker
25
9/17/07 11:43:16 AM
AB300
Rank
2006
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
51
59
47
52
68
53
57
na
61
66
56
58
69
60
64
62
63
67
70
65
141
77
98
83
71
73
72
75
94
86
90
74
79
84
104
78
81
82
92
97
100
85
101
93
80
109
88
87
112
144
51 to 100 (B)
AB300
Rank
2007
Commercial Bank
Maybank
Hua Xia Bank
Land Bank of Taiwan
Aozora Bank
Bank of Kyoto
Citibank Korea
Hiroshima Bank
Hachijuni Bank
Gunma Bank
Chugoku Bank
77 Bank (The)
Suncorp-Metway
Public Bank
Bangkok Bank
Iyo Bank
Yamaguchi Bank
Nanto Bank
Canara Bank
Bank of East Asia
Rokinren Bank
Ashikaga Bank
Cathay United Bank
Daishi Bank
Juroku Bank
Shiga Bank
Bank of New Zealand
Bank of Shanghai
Krung Thai Bank
Hyakugo Bank
Bank of Baroda
Bank of India
Bank SinoPac
Country
South Korea
Malaysia
Japan
Japan
China
Taiwan
Japan
Taiwan
Japan
South Korea
Japan
Japan
Hong Kong
Japan
Taiwan
Japan
Taiwan
Taiwan
China
Japan
Malaysia
Australia
Malaysia
Thailand
Taiwan
Japan
Japan
Japan
India
India
Hong Kong
Japan
Japan
Taiwan
Australia
Japan
Japan
Japan
New Zealand
China
Thailand
Japan
China
Taiwan
Japan
India
New Zealand
Taiwan
India
Taiwan
Operating Profit
Net Profit
$million
Change
Rank
$million
Change
Rank
491
1,337
602
559
737
232
527
784
336
410
474
646
926
490
575
430
961
432
na
292
863
744
817
923
343
384
302
191
713
747
581
120
460
536
264
389
281
198
555
537
843
184
498
412
58
551
404
55
602
348
69.7%
13.8%
73.7%
-2.4%
39.2%
31.0%
-2.8%
101.3%
12.1%
-31.1%
8.2%
51.6%
14.0%
21.9%
-6.6%
13.7%
-1.2%
10.0%
na
21.1%
29.5%
-30.0%
18.1%
23.6%
17.5%
19.1%
24.5%
-1.5%
16.6%
10.1%
50.9%
6.8%
29.3%
-14.0%
17.1%
9.0%
10.9%
11.5%
20.9%
13.6%
30.7%
1.0%
36.1%
-9.7%
41.7%
18.2%
-2.5%
-71.3%
34.9%
125.0%
80
31
66
70
51
145
76
47
111
94
83
61
40
81
69
91
38
90
na
125
43
50
46
41
110
101
123
165
54
49
67
214
87
75
132
100
128
160
72
74
45
172
78
93
268
73
95
269
65
108
167
780
265
228
187
147
698
359
176
349
180
207
777
162
275
173
-358
335
-8
91
456
680
509
502
349
150
159
50
352
357
449
85
650
-116
152
87
128
79
418
216
393
86
167
14
27
235
285
25
258
77
136.8%
12.6%
6.9%
88.9%
13.9%
-26.2%
-31.4%
2.6%
-15.2%
-30.7%
12.4%
-16.9%
32.7%
15.3%
-16.7%
25.1%
P-L
6.8%
L-L
3.4%
56.3%
-7.6%
16.2%
-11.7%
L-P
-14.3%
12.0%
-12.6%
10.8%
5.7%
25.1%
1.0%
-52.2%
P-L
0.2%
-9.0%
-13.1%
-10.9%
24.0%
20.5%
8.1%
-16.2%
318.9%
-91.3%
-34.7%
24.1%
-9.5%
L-P
60.1%
18.3%
112
31
78
87
102
128
34
58
105
63
104
93
32
115
75
107
293
67
274
150
48
36
40
41
62
125
120
208
61
60
49
156
37
279
123
154
133
166
52
88
55
155
111
254
236
84
71
240
81
169
26
The Asian Banker
ISSUE 72
9/17/07 11:43:18 AM
Operating
Return on
Assets
1.6%
5.1%
1.9%
1.9%
3.2%
0.8%
2.1%
4.2%
1.4%
1.7%
1.9%
2.6%
4.3%
2.0%
2.4%
1.8%
3.9%
1.9%
na
1.2%
5.4%
3.8%
5.2%
4.7%
1.6%
1.9%
1.5%
1.0%
4.6%
4.4%
3.8%
0.7%
2.6%
3.3%
1.8%
2.2%
1.6%
1.2%
3.7%
3.5%
5.2%
1.1%
3.5%
2.7%
0.4%
4.2%
2.7%
0.3%
4.7%
3.9%
Return on
Equity
Assets
6.5%
16.7%
8.3%
8.6%
13.1%
5.1%
11.0%
10.2%
4.7%
9.9%
7.0%
4.8%
22.6%
5.0%
11.4%
5.0%
-14.7%
13.3%
-4.9%
2.9%
13.5%
18.9%
21.3%
12.7%
14.3%
4.5%
5.4%
2.7%
16.6%
14.9%
13.7%
4.4%
na
-5.0%
9.6%
4.2%
5.5%
3.5%
22.6%
14.6%
16.1%
4.0%
22.6%
0.6%
2.2%
12.4%
53.9%
2.3%
20.7%
5.4%
0.3%
1.4%
0.4%
0.4%
0.4%
0.3%
1.3%
0.8%
0.3%
0.7%
0.4%
0.4%
1.7%
0.3%
0.6%
0.4%
-0.7%
0.7%
0.0%
0.2%
1.2%
1.7%
1.4%
1.2%
0.8%
0.4%
0.4%
0.1%
1.0%
1.0%
1.3%
0.2%
1.8%
-0.3%
0.5%
0.2%
0.4%
0.2%
1.3%
0.7%
1.2%
0.3%
0.5%
0.0%
0.1%
0.8%
0.9%
0.1%
0.9%
0.3%
Loan to
Deposit
Ratio
85.0%
69.4%
70.0%
74.9%
60.3%
81.3%
82.6%
73.6%
58.5%
77.9%
77.2%
72.1%
51.0%
66.2%
73.6%
60.2%
62.5%
71.9%
68.0%
59.7%
77.0%
138.0%
64.9%
70.2%
71.9%
72.2%
74.4%
59.8%
68.6%
67.7%
70.0%
11.4%
69.3%
65.4%
108.2%
58.8%
74.1%
65.2%
87.9%
49.9%
87.9%
59.5%
70.4%
67.3%
13.9%
66.3%
93.9%
80.6%
67.1%
70.2%
Income
Cost to
Ratio
Income Ratio
64.4%
39.6%
59.2%
56.9%
42.8%
65.9%
45.5%
36.6%
59.6%
70.2%
52.3%
58.6%
42.8%
60.2%
43.2%
61.8%
49.0%
49.1%
na
70.1%
52.4%
58.8%
34.6%
50.9%
49.3%
56.0%
61.5%
72.4%
46.2%
50.6%
43.2%
59.0%
38.3%
40.7%
63.8%
51.6%
67.6%
72.2%
47.8%
32.7%
45.5%
71.8%
45.6%
46.5%
49.3%
51.4%
57.2%
83.9%
49.9%
52.0%
12.0%
44.0%
35.6%
19.9%
26.7%
26.7%
62.0%
51.0%
25.7%
6.2%
23.2%
52.1%
29.8%
41.1%
30.8%
42.0%
38.5%
26.3%
na
31.7%
40.2%
57.7%
33.7%
33.9%
17.2%
28.8%
27.2%
18.8%
30.4%
15.0%
38.1%
44.5%
18.2%
20.2%
22.5%
43.5%
38.3%
31.8%
31.8%
7.2%
16.8%
30.4%
9.1%
27.0%
10.4%
23.5%
39.4%
-12.0%
29.6%
27.5%
Equity to
Assets
Ratio
4.6%
7.8%
5.7%
4.7%
2.6%
5.3%
12.0%
8.3%
7.5%
6.9%
5.4%
8.5%
7.6%
6.6%
4.8%
7.3%
4.4%
5.5%
0.3%
6.8%
8.0%
7.7%
5.9%
9.8%
6.1%
8.5%
7.6%
4.9%
6.5%
6.6%
9.1%
5.0%
-7.2%
6.1%
4.9%
5.9%
6.9%
6.9%
5.7%
4.7%
7.7%
6.7%
2.5%
6.7%
3.4%
6.0%
2.3%
3.7%
4.1%
6.2%
Capital
Adequacy Ratio
Tier 1
Total
Loan Loss
Reserve to
Gross NPLs
8.6%
9.3%
8.9%
5.8%
4.8%
8.7%
17.4%
11.5%
8.2%
na
6.5%
9.8%
12.8%
8.4%
7.5%
11.0%
7.1%
8.4%
6.7%
12.6%
9.6%
10.2%
8.8%
11.7%
8.4%
8.1%
9.6%
9.6%
7.2%
na
10.4%
14.1%
na
9.6%
na
10.2%
7.9%
9.6%
8.5%
9.8%
10.9%
8.6%
3.7%
11.5%
13.0%
8.7%
6.5%
7.0%
6.5%
11.0%
10.9%
13.3%
10.6%
9.3%
8.3%
11.4%
16.0%
10.3%
11.7%
14.0%
10.4%
13.6%
14.0%
12.1%
12.3%
13.7%
10.4%
11.0%
na
13.1%
13.6%
12.3%
14.6%
14.5%
11.2%
12.6%
10.9%
11.2%
13.5%
12.3%
13.9%
13.8%
na
12.3%
na
12.0%
10.6%
12.2%
11.7%
11.6%
14.0%
10.9%
3.7%
11.2%
11.0%
11.8%
9.4%
10.3%
11.6%
12.4%
104.8%
69.8%
49.8%
30.9%
na
64.2%
189.4%
na
30.1%
na
39.2%
50.2%
235.8%
47.0%
48.1%
49.5%
180.2%
51.7%
na
41.1%
57.5%
125.3%
na
80.3%
78.2%
39.4%
60.7%
36.6%
na
78.6%
56.6%
na
52.0%
194.8%
na
30.6%
41.8%
29.4%
na
75.8%
43.6%
38.1%
47.2%
69.9%
48.0%
76.0%
371.3%
39.8%
64.5%
64.5%
Gross
NPL
Ratio
AB300
Rank
2007
1.6%
6.7%
3.7%
5.0%
2.8%
1.5%
1.0%
0.7%
3.6%
na
2.7%
5.0%
0.4%
5.0%
2.1%
3.9%
1.2%
1.6%
5.8%
4.9%
8.9%
0.3%
1.9%
9.3%
1.7%
3.4%
3.6%
4.6%
1.5%
3.5%
0.7%
na
5.7%
1.2%
na
3.8%
4.1%
2.5%
0.1%
3.1%
9.7%
3.6%
8.1%
1.8%
4.6%
2.5%
0.2%
2.3%
2.4%
1.5%
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
ISSUE 72
The Asian Banker
27
9/17/07 11:43:21 AM
AB300
Rank
2006
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
89
95
91
96
103
99
132
105
117
116
102
122
107
111
106
130
110
123
108
113
115
131
134
137
121
114
120
124
125
150
129
126
128
148
146
153
127
170
133
na
119
158
136
138
200
135
139
174
163
162
101 to 150 (A)
AB300
Rank
2007
Commercial Bank
Ogaki Kyoritsu Bank
Hyakujushi Bank
San-In Godo Bank
Higo Bank
Bank Mandiri
Bank of Beijing
Musashino Bank
Kiyo Bank
ASB Bank
RHB Bank
Kagoshima Bank
Hokkoku Bank
Bank of Nagoya
Kasikornbank
Suruga Bank
Keiyo Bank
Toho Bank
Daegu Bank
Union Bank of India
Pusan Bank
Minato Bank
Momiji Holdings
Bank of Ikeda
Oita Bank
Yamanashi Chuo Bank
Awa Bank
Aichi Bank
Tokyo Tomin Bank
TMB Bank
HDFC Bank
Shikoku Bank
Syndicate Bank
Bank of Iwate
Bank Central Asia
AMMB Holdings
Tochigi Bank
Adelaide Bank
Eighteenth Bank
Akita Bank
Assets
Loans
Country
$million
Change
$million
Change
Rank
Japan
Japan
Japan
Japan
Indonesia
China
Thailand
Japan
Japan
Hong Kong
New Zealand
Malaysia
Japan
Japan
Japan
Thailand
Japan
Japan
Taiwan
Japan
Japan
South Korea
India
South Korea
Japan
Japan
Japan
Japan
Japan
India
Japan
Japan
Japan
Taiwan
Thailand
India
Japan
India
Japan
China
Japan
Indonesia
Malaysia
Japan
Australia
Japan
Japan
India
Hong Kong
Indonesia
31,213
30,675
30,660
29,835
29,764
28,817
28,808
28,163
27,956
27,337
27,127
26,949
26,448
26,387
26,185
26,153
25,908
25,898
25,155
25,064
24,055
23,908
23,555
23,384
23,152
22,147
22,095
22,026
21,928
21,337
21,311
21,287
21,051
20,970
20,930
20,912
20,801
20,481
20,042
19,814
19,778
19,671
19,660
19,491
19,455
19,046
18,908
18,871
18,868
18,849
1.3%
2.3%
0.1%
0.6%
1.6%
11.4%
26.7%
5.8%
17.2%
14.5%
14.9%
12.2%
1.4%
4.3%
-1.2%
11.9%
2.2%
16.1%
-3.3%
1.9%
-0.4%
10.8%
15.2%
12.2%
1.4%
-1.4%
-3.5%
0.8%
1.5%
24.5%
3.9%
-0.6%
0.9%
9.1%
4.8%
23.9%
-0.4%
46.2%
1.3%
20.7%
-7.7%
17.7%
16.3%
2.9%
21.7%
-3.1%
0.6%
38.6%
26.4%
14.6%
20,122
19,896
17,437
17,744
11,491
14,461
19,491
20,575
17,487
15,094
23,123
14,942
16,817
17,321
16,631
18,090
18,745
20,567
15,877
16,787
15,415
15,029
14,312
15,988
18,213
13,641
12,689
13,362
12,668
11,882
13,608
12,468
14,568
13,480
14,370
10,770
13,322
11,854
10,578
9,286
12,284
6,756
12,205
11,883
17,635
11,233
10,662
10,796
9,708
6,966
6.8%
1.9%
-1.6%
1.5%
8.9%
8.8%
24.8%
8.2%
18.6%
6.1%
7.5%
10.7%
1.4%
1.1%
1.8%
9.1%
3.1%
14.4%
-3.7%
2.5%
-0.1%
17.0%
16.9%
22.1%
3.3%
-1.9%
6.5%
1.3%
3.2%
38.2%
4.4%
0.7%
6.7%
19.3%
-1.9%
33.9%
0.9%
41.7%
2.9%
32.5%
-11.3%
13.4%
11.9%
4.9%
24.4%
-2.0%
4.9%
35.4%
7.9%
7.3%
95
96
110
107
146
123
97
92
109
119
83
121
112
111
114
105
103
93
117
113
118
120
125
116
104
126
133
129
134
141
127
135
122
128
124
153
130
142
156
171
137
200
138
140
108
149
154
151
165
191
28
The Asian Banker
ISSUE 72
9/17/07 11:43:22 AM
$million
Change
Rank
$million
Rank
$million
Change
Rank
$million
Change
Rank
$million
Change
AB300
Rank
2006
28,412
27,377
28,062
27,508
24,427
26,161
23,301
25,899
26,262
23,471
25,142
22,389
23,943
23,981
23,801
21,450
24,140
23,974
21,571
23,370
22,645
20,990
20,508
20,300
21,547
20,674
20,575
20,314
19,993
19,169
19,276
19,198
19,441
17,493
16,467
16,306
19,231
18,355
17,971
18,226
18,825
17,175
15,586
18,157
9,062
17,464
17,441
16,434
15,811
15,596
1.0%
1.3%
0.8%
0.7%
0.2%
7.8%
28.3%
4.7%
16.4%
15.9%
14.6%
13.5%
1.4%
3.7%
-1.7%
9.0%
1.3%
15.6%
-1.3%
1.4%
-0.6%
8.3%
14.5%
9.3%
1.2%
-2.0%
-4.5%
0.4%
0.6%
25.1%
3.5%
-1.4%
0.2%
8.5%
3.1%
21.3%
-0.3%
48.3%
0.2%
20.6%
-6.7%
18.3%
18.8%
2.2%
2.8%
-3.3%
0.1%
39.7%
27.6%
16.9%
96
102
98
101
107
104
115
105
103
113
106
117
111
109
112
120
108
110
118
114
116
122
126
128
119
123
125
127
129
134
131
133
130
140
147
150
132
136
139
137
135
143
156
138
209
141
142
148
154
155
1,737
2,158
2,257
1,947
2,931
1,098
2,619
1,398
1,147
2,036
1,606
1,718
2,077
1,844
1,749
2,465
1,491
912
1,070
1,422
1,090
1,359
1,191
1,378
836
1,011
925
1,348
1,556
869
1,498
1,640
824
1,258
1,341
1,455
1,038
831
1,470
871
524
2,010
1,670
1,073
457
1,158
1,236
915
1,365
1,649
105
87
83
97
67
144
72
121
141
92
112
106
90
101
104
78
116
164
149
119
145
124
139
122
176
157
161
126
113
172
114
110
182
133
129
118
152
178
117
171
229
93
108
148
238
140
134
163
123
109
403
416
494
427
1,151
508
910
436
401
679
489
541
390
377
348
958
611
468
795
452
359
763
640
665
385
368
282
325
321
568
349
307
319
283
423
851
331
493
297
276
373
1,055
386
317
186
325
279
587
239
821
1.6%
-0.3%
-3.6%
0.3%
15.5%
6.0%
27.8%
2.6%
5.8%
24.6%
2.8%
19.1%
6.1%
1.8%
-3.7%
13.9%
4.9%
9.3%
-30.9%
1.1%
-2.5%
4.5%
17.5%
3.2%
-0.4%
-6.7%
-4.3%
0.0%
2.3%
4.0%
2.4%
1.6%
0.0%
-16.5%
3.1%
45.6%
1.5%
14.3%
-0.5%
1019.5%
-5.2%
23.9%
2.7%
-3.2%
-0.8%
-0.6%
3.2%
23.9%
40.8%
8.2%
131
129
114
126
47
110
59
123
133
81
116
105
135
142
154
53
93
119
70
122
147
71
87
83
139
144
176
158
161
100
153
166
162
175
127
63
157
115
170
184
143
51
138
164
230
160
179
96
202
68
872
613
767
586
1,455
514
1,376
644
538
861
699
771
610
594
572
1,236
741
698
1,030
531
483
809
833
744
569
450
473
490
371
697
551
396
489
391
569
1,213
438
643
354
305
531
1,303
800
417
231
473
401
676
346
1,139
12.3%
-0.2%
-3.2%
11.4%
14.3%
5.6%
22.0%
6.6%
-4.9%
22.8%
9.5%
22.5%
6.7%
2.4%
-6.3%
15.5%
4.7%
14.7%
-24.5%
2.6%
-2.2%
7.9%
21.1%
5.8%
-3.5%
-5.5%
-8.1%
9.0%
5.7%
4.3%
1.6%
-0.1%
3.8%
-13.1%
3.7%
42.8%
-14.6%
13.3%
2.4%
630.3%
-22.8%
19.0%
13.1%
-3.2%
9.9%
-5.4%
0.8%
14.8%
27.6%
11.9%
87
128
104
135
53
146
57
125
141
89
115
102
129
133
136
66
109
116
77
143
152
93
91
108
137
161
156
149
184
117
139
177
150
178
138
70
167
126
191
217
142
61
97
172
239
155
176
122
194
73
398
421
529
392
763
169
702
332
353
376
306
342
404
399
430
601
376
407
473
307
382
417
339
385
359
284
220
348
221
386
396
259
304
222
545
568
294
318
260
253
281
569
396
218
120
325
289
318
123
697
7.4%
-0.8%
2.7%
7.2%
-0.1%
4.3%
27.3%
2.3%
7.8%
11.0%
7.0%
9.5%
-3.9%
4.3%
-4.7%
24.3%
2.4%
5.7%
-2.8%
7.8%
5.5%
13.3%
5.2%
4.0%
-0.1%
-1.2%
-9.8%
3.3%
-1.8%
-1.9%
4.7%
7.5%
3.5%
-4.4%
65.4%
44.3%
4.8%
-3.4%
7.0%
17.5%
7.3%
14.3%
8.8%
-0.1%
3.9%
1.2%
4.1%
10.0%
6.9%
9.5%
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
Deposits
Net Interest Income
Operating Expenses
ISSUE 72
The Asian Banker
29
9/17/07 11:43:25 AM
AB300
Rank
2006
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
89
95
91
96
103
99
132
105
117
116
102
122
107
111
106
130
110
123
108
113
115
131
134
137
121
114
120
124
125
150
129
126
128
148
146
153
127
170
133
na
119
158
136
138
200
135
139
174
163
162
101 to 150 (B)
AB300
Rank
2007
Commercial Bank
Ogaki Kyoritsu Bank
Hyakujushi Bank
San-In Godo Bank
Higo Bank
Bank Mandiri
Bank of Beijing
Musashino Bank
Kiyo Bank
ASB Bank
RHB Bank
Kagoshima Bank
Hokkoku Bank
Bank of Nagoya
Kasikornbank
Suruga Bank
Keiyo Bank
Toho Bank
Daegu Bank
Union Bank of India
Pusan Bank
Minato Bank
Momiji Holdings
Bank of Ikeda
Oita Bank
Yamanashi Chuo Bank
Awa Bank
Aichi Bank
Tokyo Tomin Bank
TMB Bank
HDFC Bank
Shikoku Bank
Syndicate Bank
Bank of Iwate
Bank Central Asia
AMMB Holdings
Tochigi Bank
Adelaide Bank
Eighteenth Bank
Akita Bank
Country
Japan
Japan
Japan
Japan
Indonesia
China
Thailand
Japan
Japan
Hong Kong
New Zealand
Malaysia
Japan
Japan
Japan
Thailand
Japan
Japan
Taiwan
Japan
Japan
South Korea
India
South Korea
Japan
Japan
Japan
Japan
Japan
India
Japan
Japan
Japan
Taiwan
Thailand
India
Japan
India
Japan
China
Japan
Indonesia
Malaysia
Japan
Australia
Japan
Japan
India
Hong Kong
Indonesia
Operating Profit
Net Profit
$million
Change
Rank
474
192
238
193
692
345
674
312
185
485
393
429
207
194
141
635
364
291
556
224
101
392
495
359
210
166
253
141
150
310
155
137
185
169
23
645
144
325
94
52
251
734
404
199
111
148
112
357
224
442
16.7%
1.0%
-14.3%
21.1%
35.8%
6.3%
17.0%
11.7%
-22.4%
33.8%
11.4%
35.2%
36.0%
-1.4%
-10.9%
8.3%
7.3%
30.3%
-36.6%
-3.7%
-23.6%
2.7%
35.1%
7.7%
-8.7%
-12.1%
-6.5%
26.2%
19.1%
13.2%
-5.5%
-11.7%
4.1%
-22.4%
-89.3%
41.6%
-38.0%
36.4%
-8.4%
L-P
-41.3%
23.0%
17.6%
-6.4%
17.2%
-17.2%
-6.7%
19.5%
42.9%
15.9%
84
164
144
163
56
109
57
119
171
82
98
92
155
162
195
63
103
126
71
148
226
99
79
106
153
178
138
196
190
122
185
200
170
176
286
62
193
114
232
271
140
52
96
159
221
191
219
107
149
88
$million
80
128
104
73
270
68
379
102
79
402
268
181
84
24
70
382
174
91
-603
119
53
259
194
198
59
-371
50
66
66
114
79
71
78
14
-340
262
48
164
52
71
-572
472
130
57
70
41
43
231
161
215
Change
Rank
-35.3%
-16.4%
12.6%
-28.2%
300.7%
64.3%
-28.6%
6.0%
126.4%
48.5%
14.9%
24.5%
-5.1%
-58.6%
-25.0%
-1.9%
43.2%
56.8%
L-L
9.5%
8.2%
37.2%
25.2%
2.7%
22.9%
P-L
29.0%
-8.3%
7.2%
93.5%
-8.8%
15.4%
7.5%
-90.6%
P-L
30.6%
15.1%
33.5%
-29.5%
3.0%
P-L
17.9%
66.4%
45.6%
16.3%
-14.5%
7.1%
28.7%
27.0%
36.1%
161
132
147
175
76
183
57
148
164
53
77
103
158
242
181
56
106
152
300
140
201
80
99
96
195
294
206
187
188
145
163
179
167
253
291
79
209
113
203
178
299
46
131
196
180
222
218
85
117
89
30
The Asian Banker
ISSUE 72
9/17/07 11:43:26 AM
Operating
Return on
Assets
3.1%
1.3%
1.6%
1.3%
4.7%
2.7%
5.9%
2.3%
1.5%
4.1%
3.3%
3.6%
1.6%
1.5%
1.1%
5.4%
2.9%
2.6%
4.3%
1.8%
0.8%
3.6%
4.8%
3.4%
1.8%
1.5%
2.2%
1.3%
1.4%
3.6%
1.5%
1.3%
1.8%
1.8%
0.2%
7.6%
1.4%
4.6%
1.0%
0.6%
2.3%
8.8%
4.8%
2.1%
1.4%
1.5%
1.2%
5.2%
3.0%
5.4%
Return on
Equity
Assets
4.7%
6.2%
4.8%
3.8%
9.8%
6.9%
14.9%
7.5%
8.5%
18.1%
17.9%
10.9%
4.1%
1.3%
4.1%
16.4%
12.3%
11.0%
-45.7%
8.8%
5.0%
20.6%
17.3%
15.2%
7.6%
-39.7%
5.7%
5.1%
4.3%
13.8%
5.6%
4.4%
9.4%
1.1%
-24.5%
19.7%
4.6%
22.2%
3.6%
8.4%
-84.6%
25.0%
8.8%
5.5%
16.2%
3.6%
3.5%
28.1%
12.2%
14.4%
0.3%
0.4%
0.3%
0.2%
0.9%
0.2%
1.5%
0.4%
0.3%
1.6%
1.1%
0.7%
0.3%
0.1%
0.3%
1.5%
0.7%
0.4%
-2.4%
0.5%
0.2%
1.1%
0.9%
0.9%
0.3%
-1.7%
0.2%
0.3%
0.3%
0.6%
0.4%
0.3%
0.4%
0.1%
-1.7%
1.4%
0.2%
1.0%
0.3%
0.4%
-2.8%
2.6%
0.7%
0.3%
0.4%
0.2%
0.2%
1.4%
1.0%
1.2%
Loan to
Deposit
Ratio
70.8%
72.7%
62.1%
64.5%
47.0%
55.3%
83.6%
79.4%
66.6%
64.3%
92.0%
66.7%
70.2%
72.2%
69.9%
84.3%
77.7%
85.8%
73.6%
71.8%
68.1%
71.6%
69.8%
78.8%
84.5%
66.0%
61.7%
65.8%
63.4%
62.0%
70.6%
64.9%
74.9%
77.1%
87.3%
66.0%
69.3%
64.6%
58.9%
50.9%
65.3%
39.3%
78.3%
65.4%
194.6%
64.3%
61.1%
65.7%
61.4%
44.7%
Income
Cost to
Ratio
Income Ratio
45.7%
68.7%
69.0%
67.0%
52.5%
32.9%
51.0%
51.5%
65.7%
43.7%
43.8%
44.4%
66.1%
67.3%
75.3%
48.7%
50.8%
58.3%
46.0%
57.8%
79.2%
51.6%
40.6%
51.8%
63.1%
63.0%
46.4%
71.1%
59.6%
55.5%
71.9%
65.4%
62.2%
56.8%
95.9%
46.8%
67.0%
49.5%
73.4%
82.8%
52.8%
43.7%
49.5%
52.2%
51.8%
68.7%
72.0%
47.1%
35.4%
61.2%
53.8%
32.1%
35.7%
27.0%
20.9%
1.1%
33.9%
32.2%
25.3%
21.2%
30.0%
29.9%
36.1%
36.6%
39.1%
22.5%
17.5%
33.0%
22.8%
14.8%
25.6%
5.6%
23.2%
10.5%
32.3%
18.1%
40.4%
33.6%
13.3%
18.5%
36.6%
22.5%
34.7%
27.6%
25.5%
29.9%
24.4%
23.3%
16.0%
9.7%
29.7%
19.0%
51.7%
24.0%
19.8%
31.4%
30.6%
13.1%
31.0%
27.9%
Equity to
Assets
Ratio
5.6%
7.0%
7.4%
6.5%
9.8%
3.8%
9.1%
5.0%
4.1%
7.4%
5.9%
6.4%
7.9%
7.0%
6.7%
9.4%
5.8%
3.5%
4.3%
5.7%
4.5%
5.7%
5.1%
5.9%
3.6%
4.6%
4.2%
6.1%
7.1%
4.1%
7.0%
7.7%
3.9%
6.0%
6.4%
7.0%
5.0%
4.1%
7.3%
4.4%
2.7%
10.2%
8.5%
5.5%
2.4%
6.1%
6.5%
4.9%
7.2%
8.7%
Capital
Adequacy Ratio
Tier 1
Total
Loan Loss
Reserve to
Gross NPLs
7.4%
8.0%
13.5%
11.6%
19.6%
6.4%
11.4%
8.0%
8.4%
11.6%
9.8%
8.2%
12.7%
11.5%
9.0%
10.5%
10.0%
5.4%
5.4%
10.1%
8.7%
8.4%
7.8%
8.1%
5.5%
na
7.8%
9.1%
11.4%
6.3%
9.6%
10.1%
6.4%
7.6%
7.3%
8.6%
7.0%
6.2%
12.5%
8.8%
4.2%
20.1%
10.0%
10.6%
6.4%
8.9%
11.6%
8.2%
8.2%
na
10.7%
10.6%
14.2%
12.3%
25.3%
10.8%
14.4%
10.6%
10.6%
15.9%
10.6%
12.1%
13.7%
13.5%
9.7%
14.7%
10.5%
9.9%
7.5%
11.1%
10.6%
11.3%
12.8%
11.1%
9.5%
na
11.9%
10.2%
12.0%
10.4%
11.8%
10.8%
10.3%
10.8%
10.4%
13.1%
9.9%
11.7%
13.7%
8.7%
6.5%
22.2%
13.9%
11.3%
10.8%
11.5%
12.4%
13.3%
16.1%
16.0%
44.9%
32.6%
45.8%
46.9%
75.3%
66.7%
87.6%
26.1%
34.8%
93.1%
na
64.3%
36.9%
31.7%
42.1%
72.3%
41.8%
39.4%
111.4%
27.2%
47.8%
190.0%
67.4%
175.8%
39.0%
68.2%
36.0%
57.5%
34.6%
64.8%
39.1%
17.8%
38.9%
77.5%
49.9%
na
35.0%
72.8%
30.8%
na
58.0%
217.4%
36.7%
45.3%
111.4%
54.2%
46.4%
70.3%
48.2%
55.1%
Gross
NPL
Ratio
AB300
Rank
2007
4.0%
4.0%
4.4%
2.5%
16.3%
3.6%
8.0%
2.9%
6.3%
1.5%
0.3%
7.4%
3.1%
5.3%
2.4%
5.7%
4.0%
2.4%
2.4%
3.4%
4.4%
0.7%
2.9%
0.8%
3.0%
6.0%
2.8%
3.5%
5.2%
4.8%
3.3%
3.2%
4.4%
0.7%
11.7%
1.3%
4.6%
3.0%
3.2%
11.1%
13.7%
1.3%
13.0%
3.7%
0.1%
4.9%
5.3%
2.3%
1.2%
10.5%
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
ISSUE 72
The Asian Banker
31
9/17/07 11:43:29 AM
AB300
Rank
2006
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
156
143
145
167
149
152
na
147
179
151
168
175
186
172
159
155
118
173
199
154
164
180
160
157
183
161
166
177
169
171
188
181
182
191
184
178
254
165
194
216
204
224
185
208
187
193
196
202
212
190
151 to 200 (A)
AB300
Rank
2007
Commercial Bank
Bank of Ayudhya
Aomori Bank
Fukui Bank
Kyongnam Bank
Hokuetsu Bank
Senshu Bank
Chiba Kogyo Bank
Yachiyo Bank
UCO Bank
AXIS Bank
Suhyup Bank
Hong Leong Bank
Bank of Saga
Wing Hang Bank
Vietnam Bank for Agriculture and Rural Development
Michinoku Bank
Miyazaki Bank
Allahabad Bank
Higashi-Nippon Bank
Yamagata Bank
Kwangju Bank
Towa Bank
Daisan Bank
Tokyo Star Bank
Chukyo Bank
Ehime Bank
MIE Bank
Indian Bank
Dah Sing Bank
Bank of the Ryukyus
HSBC (India)
Corporation Bank
Bank of Queensland
Bank of Okinawa
Siam City Bank
CITIC Ka Wah Bank
Ta Chong Bank
Bendigo Bank
EON Bank
Shimizu Bank
Assets
Loans
Country
$million
Change
$million
Change
Rank
Thailand
Japan
Japan
South Korea
Japan
Japan
China
Japan
Indonesia
Japan
India
India
India
South Korea
Malaysia
Japan
Taiwan
Hong Kong
Vietnam
Japan
Japan
India
Japan
Japan
South Korea
Japan
Japan
Japan
Japan
Japan
Philippines
Taiwan
Japan
India
Hong Kong
Japan
India
Australia
Hong Kong
India
Philippines
Australia
Japan
Malaysia
Thailand
Hong Kong
Taiwan
Australia
Malaysia
Japan
18,557
18,241
17,867
17,821
17,761
17,522
17,438
17,408
17,215
17,192
17,175
16,907
16,769
16,750
16,490
16,108
15,849
15,744
15,723
15,654
15,610
15,521
15,372
15,320
15,002
14,726
14,444
14,274
13,922
13,725
13,242
13,159
12,959
12,893
12,841
12,744
12,555
12,429
12,085
12,074
11,878
11,784
11,720
11,616
11,575
11,558
11,516
11,279
11,164
11,104
2.8%
1.1%
1.0%
18.0%
4.4%
5.9%
6.9%
1.4%
26.0%
2.6%
21.1%
25.0%
47.0%
14.6%
5.2%
1.4%
8.2%
17.1%
24.9%
-1.5%
6.1%
22.4%
1.6%
-1.7%
19.2%
-2.4%
2.0%
11.9%
1.0%
0.6%
10.9%
6.9%
6.6%
18.0%
13.5%
1.2%
46.8%
-13.3%
16.2%
29.8%
10.0%
15.7%
2.3%
12.2%
-8.8%
9.7%
31.1%
9.0%
10.1%
2.8%
12,147
11,002
12,835
11,410
9,884
13,052
9,289
11,632
9,297
11,433
10,780
10,126
8,460
12,321
7,788
9,976
7,802
7,572
11,742
10,039
9,579
9,472
11,785
8,763
9,061
9,785
8,756
9,749
9,928
10,652
5,367
8,976
8,400
6,663
6,264
9,371
5,309
9,060
4,938
6,871
4,964
10,447
8,604
6,897
6,313
6,554
7,430
9,231
7,704
7,624
-0.1%
-2.0%
0.7%
26.0%
1.7%
7.0%
16.7%
2.8%
19.2%
2.7%
25.7%
31.5%
65.3%
24.1%
11.9%
0.4%
17.1%
7.3%
18.1%
-1.7%
6.4%
41.7%
3.3%
-0.2%
21.5%
-1.1%
3.4%
14.3%
0.8%
5.0%
5.6%
7.4%
7.9%
29.6%
9.8%
8.1%
37.6%
8.5%
8.2%
24.8%
6.2%
20.8%
4.1%
13.4%
6.3%
19.5%
24.4%
8.6%
4.9%
1.7%
139
150
132
148
162
131
170
145
169
147
152
158
179
136
184
160
183
187
144
159
166
167
143
176
173
163
177
164
161
155
225
175
180
201
208
168
226
174
237
197
236
157
178
196
207
203
189
172
185
186
32
The Asian Banker
ISSUE 72
9/17/07 11:43:31 AM
$million
Change
Rank
$million
Rank
$million
Change
Rank
$million
Change
Rank
$million
Change
AB300
Rank
2006
16,286
16,994
16,520
14,760
16,690
16,313
14,889
16,074
14,068
16,108
15,445
14,824
14,678
12,512
14,680
14,937
10,906
13,929
12,068
14,611
14,452
13,719
14,165
14,005
13,105
14,087
13,260
12,626
12,618
12,681
10,856
11,822
11,652
11,236
10,666
11,864
9,110
9,756
10,199
10,114
9,724
7,502
10,392
10,034
10,066
9,600
9,868
10,233
9,420
10,356
1.0%
-0.3%
0.3%
12.6%
4.6%
5.0%
6.7%
1.3%
28.6%
2.6%
20.4%
26.5%
49.5%
11.2%
4.7%
0.8%
4.4%
17.4%
23.5%
-1.7%
6.4%
23.2%
1.1%
-2.3%
19.3%
-0.6%
1.1%
8.4%
1.2%
-0.1%
9.3%
9.3%
6.2%
14.9%
14.3%
2.6%
41.5%
-0.1%
16.3%
27.7%
9.2%
14.4%
2.8%
11.1%
-10.9%
11.0%
30.0%
8.3%
11.0%
2.3%
151
144
146
161
145
149
159
153
168
152
157
160
163
177
162
158
183
170
178
164
165
171
166
169
173
167
172
175
176
174
184
180
181
182
185
179
208
198
190
191
199
230
187
194
192
202
195
189
204
188
1,290
806
932
856
683
831
831
1,059
1,878
820
611
1,229
744
735
1,192
733
1,762
1,201
698
684
857
1,025
927
1,074
676
283
720
825
877
680
1,344
457
859
897
1,132
665
1,353
1,325
1,680
873
1,335
598
876
726
1,028
911
446
680
922
597
132
184
159
175
202
177
179
150
99
183
216
135
192
193
138
194
103
137
199
200
174
156
160
147
206
270
197
181
167
203
127
239
173
166
142
208
125
131
107
170
130
219
168
195
155
165
240
204
162
220
533
276
251
422
251
277
341
284
1,532
302
389
388
360
305
277
255
211
275
574
285
235
402
295
233
336
247
265
350
226
276
392
234
181
432
235
245
526
377
241
318
407
201
238
281
359
141
221
236
240
163
14.4%
-2.5%
-0.5%
4.0%
2.6%
4.4%
78.4%
0.7%
10.7%
-5.6%
8.2%
5.4%
45.3%
3.8%
4.2%
-1.2%
-0.6%
14.4%
17.6%
2.6%
0.3%
11.0%
2.0%
-3.4%
6.8%
-3.3%
2.8%
9.7%
-2.1%
0.4%
-4.5%
7.7%
3.9%
24.1%
46.9%
-3.2%
67.0%
31.9%
10.0%
11.3%
5.8%
16.1%
2.3%
22.5%
11.0%
-2.8%
8.5%
13.1%
8.0%
1.4%
107
182
191
128
192
180
155
174
32
169
136
137
146
167
181
189
219
185
97
173
208
132
171
210
156
193
188
152
212
183
134
209
231
124
207
198
108
141
199
163
130
223
203
177
148
260
214
206
201
247
764
458
384
480
413
328
447
419
1,700
360
480
518
592
354
444
320
452
387
759
320
359
488
341
373
363
322
370
472
277
337
688
390
293
606
328
307
798
605
368
447
625
282
406
547
495
294
328
340
331
210
13.0%
-3.5%
-0.7%
10.7%
4.7%
6.8%
78.0%
0.6%
16.1%
-6.0%
3.2%
4.7%
42.6%
0.9%
11.4%
1.2%
12.7%
14.5%
26.2%
5.9%
0.0%
-2.1%
-8.6%
-1.6%
10.5%
-8.4%
-0.4%
4.6%
1.8%
-0.3%
16.2%
7.0%
8.0%
32.8%
35.8%
-26.4%
53.1%
6.6%
11.0%
7.9%
8.8%
4.7%
4.1%
25.5%
10.9%
20.1%
21.8%
-2.9%
-1.0%
3.9%
105
159
182
154
173
202
163
171
47
189
153
144
134
192
166
208
160
181
106
207
190
151
197
183
188
206
185
157
224
200
120
180
219
130
204
214
99
131
186
164
127
223
175
140
148
218
203
199
201
250
404
219
267
226
304
198
381
214
851
245
274
229
279
195
168
222
133
138
392
233
271
236
190
270
187
201
224
265
191
212
428
222
160
287
141
181
364
341
108
185
356
181
293
248
300
141
148
241
151
157
19.0%
0.2%
9.7%
10.4%
7.9%
5.8%
96.6%
-4.2%
2.7%
2.7%
1.3%
3.3%
49.2%
18.0%
7.2%
4.8%
3.4%
10.2%
52.5%
-1.8%
4.0%
-11.4%
-7.0%
-3.0%
11.3%
-2.1%
6.8%
18.8%
3.3%
9.8%
11.1%
21.7%
3.7%
15.4%
31.4%
0.0%
54.6%
-1.7%
4.0%
7.1%
13.3%
9.4%
7.4%
10.6%
14.0%
4.3%
-9.4%
-0.4%
-9.1%
-3.8%
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
Deposits
Net Interest Income
Operating Expenses
ISSUE 72
The Asian Banker
33
9/17/07 11:43:33 AM
AB300
Rank
2006
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
156
143
145
167
149
152
na
147
179
151
168
175
186
172
159
155
118
173
199
154
164
180
160
157
183
161
166
177
169
171
188
181
182
191
184
178
254
165
194
216
204
224
185
208
187
193
196
202
212
190
151 to 200 (B)
AB300
Rank
2007
Commercial Bank
Bank of Ayudhya
Aomori Bank
Fukui Bank
Kyongnam Bank
Hokuetsu Bank
Senshu Bank
Chiba Kogyo Bank
Yachiyo Bank
UCO Bank
AXIS Bank
Suhyup Bank
Hong Leong Bank
Bank of Saga
Wing Hang Bank
Michinoku Bank
Miyazaki Bank
Allahabad Bank
Higashi-Nippon Bank
Yamagata Bank
Kwangju Bank
Towa Bank
Daisan Bank
Tokyo Star Bank
Chukyo Bank
Ehime Bank
MIE Bank
Indian Bank
Dah Sing Bank
Bank of the Ryukyus
HSBC (India)
Corporation Bank
Bank of Queensland
Bank of Okinawa
Siam City Bank
CITIC Ka Wah Bank
Ta Chong Bank
Bendigo Bank
EON Bank
Shimizu Bank
Country
Thailand
Japan
Japan
South Korea
Japan
Japan
China
Japan
Indonesia
Japan
India
India
India
South Korea
Malaysia
Japan
Taiwan
Hong Kong
Vietnam
Japan
Japan
India
Japan
Japan
South Korea
Japan
Japan
Japan
Japan
Japan
Philippines
Taiwan
Japan
India
Hong Kong
Japan
India
Australia
Hong Kong
India
Philippines
Australia
Japan
Malaysia
Thailand
Hong Kong
Taiwan
Australia
Malaysia
Japan
Operating Profit
Net Profit
$million
Change
Rank
$million
Change
Rank
359
239
117
254
109
131
66
205
849
115
206
289
313
159
276
97
319
248
367
88
88
252
151
103
176
121
146
206
85
125
260
167
133
318
187
126
435
264
260
262
269
101
113
299
196
153
180
98
180
53
6.9%
-6.7%
-18.4%
11.1%
-3.2%
8.4%
15.1%
6.2%
33.6%
-20.4%
5.9%
5.8%
37.2%
-14.3%
14.1%
-6.1%
17.1%
17.0%
6.6%
33.9%
-10.7%
8.5%
-10.4%
2.5%
9.5%
-17.3%
-9.8%
-9.3%
-1.3%
-13.6%
25.6%
-7.8%
13.8%
53.7%
39.3%
-46.6%
52.0%
19.5%
14.3%
8.5%
3.5%
-2.9%
-3.5%
41.3%
6.6%
39.8%
69.6%
-8.6%
7.0%
36.4%
104
143
216
137
222
203
257
158
44
217
156
127
118
183
129
230
116
141
102
240
238
139
189
223
175
213
192
157
242
209
134
177
202
117
169
207
89
131
135
133
130
225
218
124
161
187
173
227
174
270
42
43
34
167
47
91
51
82
474
78
73
133
151
128
150
44
248
214
77
41
42
172
68
44
97
-234
31
132
57
44
124
-158
51
188
148
52
194
243
214
118
188
69
57
195
119
118
-153
87
63
27
-75.2%
13.0%
-56.0%
16.8%
20.8%
1.0%
21.6%
10.8%
11.8%
12.1%
60.7%
4.2%
35.9%
-4.9%
5.8%
12.1%
25.3%
23.0%
166.7%
L-P
104.0%
6.2%
14.8%
-17.5%
-27.7%
P-L
54.2%
-6.6%
58.9%
58.5%
42.1%
P-L
5.0%
58.4%
24.6%
241.8%
64.2%
44.0%
12.9%
16.5%
7.5%
3.1%
-18.5%
31.0%
-32.0%
-12.3%
P-L
29.5%
-21.9%
L-P
220
217
230
110
211
151
204
159
45
168
176
129
124
134
126
215
82
91
170
223
221
108
184
214
149
287
234
130
198
213
136
284
205
101
127
202
98
83
90
143
100
182
197
97
141
144
283
153
192
237
34
The Asian Banker
ISSUE 72
9/17/07 11:43:36 AM
Operating
Return on
Assets
4.0%
2.7%
1.3%
3.4%
1.3%
1.6%
0.8%
2.4%
12.4%
1.4%
2.9%
4.3%
5.5%
2.2%
3.5%
1.2%
4.4%
3.7%
5.8%
1.1%
1.2%
4.0%
2.0%
1.3%
2.8%
1.6%
2.1%
3.2%
1.2%
1.8%
4.4%
2.7%
2.2%
5.8%
3.3%
2.0%
10.2%
3.7%
5.0%
5.6%
5.0%
2.0%
2.0%
5.8%
3.1%
2.9%
4.1%
1.9%
3.6%
1.0%
Return on
Equity
Assets
3.5%
5.5%
4.0%
20.8%
7.1%
11.6%
6.3%
8.1%
28.2%
9.4%
12.3%
11.0%
21.5%
18.9%
12.5%
6.2%
15.3%
18.8%
11.8%
6.1%
5.0%
18.5%
7.5%
4.2%
15.1%
-57.3%
4.4%
17.0%
6.7%
7.0%
10.2%
-28.2%
6.3%
25.5%
14.0%
7.2%
17.1%
17.8%
13.5%
14.2%
14.7%
12.2%
6.7%
28.5%
12.0%
13.4%
-31.3%
13.6%
7.0%
4.6%
0.2%
0.2%
0.2%
1.0%
0.3%
0.5%
0.3%
0.5%
3.1%
0.5%
0.5%
0.9%
1.1%
0.8%
0.9%
0.3%
1.6%
1.5%
0.5%
0.3%
0.3%
1.2%
0.4%
0.3%
0.7%
-1.6%
0.2%
1.0%
0.4%
0.3%
1.0%
-1.2%
0.4%
1.6%
1.2%
0.4%
1.8%
1.8%
1.9%
1.1%
1.7%
0.6%
0.5%
1.8%
1.0%
1.1%
-1.5%
0.8%
0.6%
0.2%
Loan to
Deposit
Ratio
74.6%
64.7%
77.7%
77.3%
59.2%
80.0%
62.4%
72.4%
66.1%
71.0%
69.8%
68.3%
57.6%
98.5%
53.1%
66.8%
71.5%
54.4%
97.3%
68.7%
66.3%
69.0%
83.2%
62.6%
69.1%
69.5%
66.0%
77.2%
78.7%
84.0%
49.4%
75.9%
72.1%
59.3%
58.7%
79.0%
58.3%
92.9%
48.4%
67.9%
51.0%
139.2%
82.8%
68.7%
62.7%
68.3%
75.3%
90.2%
81.8%
73.6%
Income
Cost to
Ratio
Income Ratio
52.9%
47.8%
69.5%
47.1%
73.6%
60.2%
85.3%
51.1%
50.0%
68.1%
57.0%
44.2%
47.1%
55.1%
37.9%
69.6%
29.4%
35.8%
51.6%
72.7%
75.5%
48.3%
55.8%
72.5%
51.6%
62.5%
60.5%
56.2%
69.1%
62.8%
62.2%
57.1%
54.6%
47.5%
43.0%
58.8%
45.5%
56.3%
29.5%
41.3%
56.9%
64.2%
72.1%
45.3%
60.5%
48.1%
45.0%
71.0%
45.5%
74.6%
30.2%
39.6%
34.7%
12.0%
39.3%
15.5%
23.7%
32.2%
9.9%
16.0%
19.0%
25.1%
39.3%
13.8%
37.5%
20.2%
53.4%
28.9%
24.3%
11.0%
34.6%
17.7%
13.6%
37.5%
7.4%
23.2%
28.4%
25.8%
18.3%
18.0%
43.0%
40.0%
38.4%
28.7%
28.2%
20.3%
34.0%
37.7%
34.6%
28.8%
34.8%
28.7%
41.3%
48.6%
27.6%
52.0%
32.6%
30.6%
27.6%
22.5%
Equity to
Assets
Ratio
7.0%
4.4%
5.2%
4.8%
3.8%
4.7%
4.8%
6.1%
10.9%
4.8%
3.6%
7.3%
4.4%
4.4%
7.2%
4.6%
11.1%
7.6%
4.4%
4.4%
5.5%
6.6%
6.0%
7.0%
4.5%
1.9%
5.0%
5.8%
6.3%
5.0%
10.1%
3.5%
6.6%
7.0%
8.8%
5.2%
10.8%
10.7%
13.9%
7.2%
11.2%
5.1%
7.5%
6.3%
8.9%
7.9%
3.9%
6.0%
8.3%
5.4%
Capital
Adequacy Ratio
Tier 1
Total
Loan Loss
Reserve to
Gross NPLs
7.6%
9.3%
8.5%
7.5%
7.3%
8.8%
7.6%
8.7%
16.4%
8.5%
5.8%
10.4%
6.4%
8.4%
13.8%
6.6%
na
10.9%
na
8.4%
8.6%
8.1%
8.9%
12.6%
7.0%
3.2%
7.4%
7.7%
7.5%
5.7%
na
4.7%
8.6%
na
10.1%
7.7%
10.0%
na
21.5%
11.7%
na
8.2%
10.6%
9.1%
11.6%
9.3%
6.1%
8.3%
11.6%
9.2%
11.7%
13.2%
10.9%
11.3%
10.8%
12.1%
7.3%
9.5%
18.8%
9.7%
11.6%
11.0%
11.6%
11.7%
17.5%
10.0%
10.3%
15.2%
7.6%
12.6%
10.9%
12.5%
10.7%
13.1%
11.4%
5.7%
10.8%
9.4%
10.1%
9.1%
17.7%
9.1%
10.1%
14.1%
16.2%
9.5%
11.1%
na
22.0%
13.2%
15.9%
12.5%
11.3%
10.9%
12.5%
16.8%
8.4%
10.8%
12.9%
10.7%
45.1%
29.5%
30.7%
168.8%
33.7%
38.1%
98.5%
31.6%
154.7%
28.1%
31.5%
84.2%
36.4%
311.6%
65.8%
69.9%
125.8%
73.0%
na
39.1%
43.9%
57.0%
35.3%
23.9%
127.8%
28.5%
45.4%
48.3%
35.0%
41.3%
79.8%
64.0%
32.1%
84.4%
131.8%
32.2%
75.0%
na
35.2%
64.4%
48.7%
78.1%
39.8%
119.8%
72.3%
38.9%
48.4%
406.7%
53.2%
39.8%
Gross
NPL
Ratio
AB300
Rank
2007
13.8%
5.7%
4.5%
0.7%
4.1%
2.0%
1.7%
4.6%
4.8%
6.2%
3.2%
3.2%
1.1%
0.8%
4.7%
6.1%
1.2%
0.6%
1.9%
6.6%
3.0%
2.6%
4.2%
3.1%
1.0%
9.0%
3.9%
3.0%
4.5%
4.0%
7.0%
1.6%
2.6%
1.8%
0.5%
4.6%
1.7%
0.0%
1.2%
2.7%
7.4%
0.1%
3.9%
2.2%
5.5%
1.7%
2.6%
0.1%
6.8%
4.8%
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
ISSUE 72
The Asian Banker
35
9/17/07 11:43:39 AM
AB300
Rank
2006
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
203
215
189
na
209
217
206
197
192
195
233
214
213
198
225
207
228
232
na
210
219
236
245
205
211
201
218
241
227
237
222
223
257
226
243
249
230
220
235
na
229
252
234
231
263
267
238
264
284
260
201 to 250 (A)
AB300
Rank
2007
Commercial Bank
Wing Lung Bank
Andhra Bank
Citibank (Malaysia)
Kanto Tsukuba Bank
Kagawa Bank
Fuhwa Bank
Taiko Bank
Citibank (India)
Tokushima Bank
Habib Bank
Vijaya Bank
Kita-Nippon Bank
Hokuto Bank
Biwako Bank
Bank of Maharashtra
Affin Bank
Chong Hing Bank
Sunny Bank
Bank of Kochi
Alliance Bank
Nagano Bank
Cosmos Bank
Bank of Nanjing
Shonai Bank
Dena Bank
Assets
Loans
Country
$million
Change
$million
Change
Rank
Taiwan
Malaysia
Japan
India
Hong Kong
India
Malaysia
Taiwan
Japan
Japan
Vietnam
Taiwan
Taiwan
Japan
China
Pakistan
Malaysia
India
Australia
Japan
Pakistan
India
India
Japan
Taiwan
Japan
Japan
Indonesia
Malaysia
India
China
Japan
Taiwan
Taiwan
Malaysia
Hong Kong
Taiwan
Taiwan
Taiwan
Malaysia
Japan
Malaysia
Japan
Taiwan
Philippines
China
Japan
Vietnam
China
India
11,092
11,085
11,055
11,054
10,953
10,904
10,841
10,790
10,755
10,603
10,569
10,558
10,521
10,484
10,468
10,455
10,398
10,385
10,124
9,761
9,717
9,713
9,701
9,691
9,612
9,439
9,152
9,131
9,070
8,949
8,565
8,533
8,439
8,406
8,336
8,124
7,954
7,904
7,824
7,792
7,719
7,613
7,573
7,510
7,458
7,419
7,339
7,313
7,281
7,181
9.8%
12.1%
0.2%
29.5%
13.7%
16.9%
3.7%
3.8%
1.7%
2.6%
23.9%
12.5%
11.0%
1.7%
16.9%
9.9%
19.1%
33.9%
133.0%
1.8%
11.6%
34.4%
27.3%
-0.6%
-0.7%
-7.3%
1.9%
21.0%
3.0%
25.0%
14.1%
2.8%
38.8%
1.4%
17.7%
26.1%
-0.8%
-9.4%
7.8%
14.6%
-4.1%
11.8%
1.5%
-4.3%
12.7%
31.2%
4.9%
24.8%
22.8%
18.9%
6,356
5,513
8,096
5,523
5,262
6,398
5,767
7,130
7,453
7,997
4,201
6,849
6,942
6,837
5,778
5,203
6,525
5,610
1,898
6,909
5,752
5,557
5,083
6,589
6,955
5,942
6,900
4,624
5,732
5,258
3,673
5,557
2,354
5,580
4,812
3,446
5,720
5,473
5,659
5,400
5,640
3,845
5,268
4,008
2,259
3,267
5,212
4,768
4,305
4,199
13.7%
-1.3%
-3.8%
20.6%
10.8%
26.2%
7.3%
13.5%
5.0%
4.2%
12.8%
5.2%
-1.2%
2.3%
4.6%
17.6%
10.0%
35.0%
-30.2%
1.7%
10.3%
45.4%
42.7%
2.0%
7.6%
-1.8%
1.5%
16.4%
17.6%
39.2%
14.5%
0.8%
18.7%
1.4%
3.3%
10.9%
3.2%
-7.3%
10.6%
20.9%
-3.4%
-1.8%
3.2%
-15.8%
3.7%
26.9%
5.7%
18.3%
26.7%
28.6%
206
222
181
221
228
205
211
190
188
182
250
198
193
199
210
231
204
217
298
194
212
220
233
202
192
209
195
242
213
229
265
219
292
218
238
271
214
223
215
224
216
260
227
255
295
274
230
239
248
251
36
The Asian Banker
ISSUE 72
9/17/07 11:43:41 AM
$million
Change
Rank
$million
Rank
$million
Change
Rank
$million
Change
Rank
$million
Change
AB300
Rank
2006
9,805
9,504
10,523
8,619
8,600
9,678
9,264
9,283
10,059
9,675
7,939
8,475
9,017
9,766
8,991
8,454
8,698
8,281
9,268
9,017
8,486
8,672
8,618
9,025
7,377
8,919
8,526
7,138
7,317
7,828
7,714
7,653
1,697
7,567
7,121
7,116
7,491
7,026
6,845
6,434
7,203
6,260
7,136
6,470
6,154
5,617
6,772
6,014
5,440
6,456
10.3%
12.0%
2.8%
30.3%
11.8%
21.6%
1.8%
2.1%
0.8%
2.1%
4.6%
11.7%
9.4%
1.2%
18.1%
8.8%
20.5%
32.3%
144.8%
1.8%
10.3%
33.9%
27.1%
-1.1%
-4.7%
-8.0%
1.1%
24.2%
1.5%
24.6%
14.3%
0.7%
50.5%
0.6%
25.7%
26.1%
0.7%
-9.8%
5.5%
16.1%
-4.0%
10.4%
1.6%
-5.8%
7.4%
22.3%
4.9%
23.2%
23.8%
19.1%
196
203
186
217
219
200
207
205
193
201
225
222
212
197
213
223
215
224
206
211
221
216
218
210
232
214
220
235
233
226
227
228
298
229
237
238
231
239
240
247
234
253
236
245
254
260
241
256
262
246
575
515
76
1,046
1,411
722
549
611
441
770
703
607
429
531
616
873
628
959
256
631
747
431
549
537
475
302
367
1,078
683
400
458
634
4,784
315
644
762
256
370
424
1,035
390
590
372
365
796
336
401
319
401
310
222
230
297
151
120
196
223
215
241
187
198
217
243
228
214
169
212
158
279
211
191
242
224
225
235
265
253
146
201
248
237
210
41
262
209
188
280
252
244
153
249
221
251
254
185
258
247
261
246
264
279
245
217
428
180
325
304
216
207
212
237
157
179
180
227
496
213
472
237
196
502
246
270
180
166
164
153
628
200
251
197
147
60
116
167
107
155
197
115
358
156
169
132
313
267
173
126
222
204
196
-15.8%
10.7%
-9.8%
34.7%
23.3%
21.3%
13.1%
-20.3%
0.4%
-4.9%
15.0%
-17.9%
-0.8%
1.6%
18.8%
29.0%
19.4%
41.9%
1434.7%
-4.4%
21.9%
10.2%
15.4%
2.3%
-37.7%
-6.0%
-3.6%
22.6%
16.2%
29.3%
22.7%
-1.3%
36.7%
-7.6%
5.7%
10.1%
-1.6%
-18.5%
10.7%
22.9%
-3.7%
17.6%
-2.6%
-30.5%
9.2%
25.1%
-0.1%
30.0%
18.1%
18.4%
178
197
215
125
232
159
168
216
220
218
204
251
235
233
211
113
217
118
205
227
111
195
186
234
245
246
254
89
224
190
226
257
294
272
243
277
253
225
274
149
252
241
264
165
187
239
268
213
221
228
348
365
229
739
275
445
449
266
292
314
307
252
148
187
268
697
307
709
469
219
605
309
343
224
28
246
230
806
318
312
204
211
503
164
236
155
174
205
128
390
258
269
211
116
343
196
199
260
221
293
-14.5%
10.2%
-10.2%
69.2%
24.3%
19.2%
10.9%
-17.4%
-4.6%
-1.8%
14.9%
-20.8%
-23.7%
-2.3%
25.0%
29.2%
14.4%
29.1%
1654.6%
-10.4%
18.2%
0.4%
1.3%
1.0%
-87.2%
0.8%
-0.6%
20.4%
15.7%
32.8%
22.8%
-0.4%
223.6%
-4.8%
-0.6%
18.9%
-1.5%
-22.5%
10.5%
20.8%
11.8%
20.9%
1.0%
-59.0%
-22.2%
35.1%
9.8%
37.0%
21.7%
13.5%
193
187
241
110
226
165
162
230
222
210
215
234
273
258
229
118
216
114
158
244
132
213
195
242
297
236
240
95
209
212
253
249
147
263
238
266
261
252
284
179
233
228
248
289
196
257
255
232
243
220
217
156
151
221
87
214
204
182
170
222
93
129
135
124
115
224
118
350
133
121
285
149
179
145
255
183
112
408
105
171
70
140
172
175
114
76
85
139
103
132
171
141
163
213
263
83
134
134
82
140
-48.9%
7.6%
7.1%
14.6%
17.2%
8.8%
16.2%
-8.6%
1.1%
6.2%
25.8%
0.0%
11.4%
-5.9%
25.1%
18.7%
13.2%
24.7%
5030.3%
-5.1%
8.2%
4.3%
-6.6%
-2.1%
16.9%
6.0%
-0.4%
24.4%
18.9%
13.3%
18.6%
-1.8%
128.3%
8.8%
-0.6%
20.1%
-8.6%
-7.3%
23.9%
17.8%
-2.5%
12.5%
6.2%
-2.8%
-25.4%
41.1%
16.3%
56.8%
0.6%
8.9%
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
Deposits
Net Interest Income
Operating Expenses
ISSUE 72
The Asian Banker
37
9/17/07 11:43:44 AM
AB300
Rank
2006
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
203
215
189
na
209
217
206
197
192
195
233
214
213
198
225
207
228
232
na
210
219
236
245
205
211
201
218
241
227
237
222
223
257
226
243
249
230
220
235
na
229
252
234
231
263
267
238
264
284
260
201 to 250 (B)
AB300
Rank
2007
Commercial Bank
Wing Lung Bank
Andhra Bank
Citibank (Malaysia)
Kanto Tsukuba Bank
Kagawa Bank
Fuhwa Bank
Taiko Bank
Citibank (India)
Tokushima Bank
Habib Bank
Vijaya Bank
Kita-Nippon Bank
Hokuto Bank
Biwako Bank
Bank of Maharashtra
Affin Bank
Chong Hing Bank
Sunny Bank
Bank of Kochi
Alliance Bank
Nagano Bank
Cosmos Bank
Bank of Nanjing
Shonai Bank
Dena Bank
Country
Taiwan
Malaysia
Japan
India
Hong Kong
India
Malaysia
Taiwan
Japan
Japan
Vietnam
Taiwan
Taiwan
Japan
China
Pakistan
Malaysia
India
Australia
Japan
Pakistan
India
India
Japan
Taiwan
Japan
Japan
Indonesia
Malaysia
India
China
Japan
Taiwan
Taiwan
Malaysia
Hong Kong
Taiwan
Taiwan
Taiwan
Malaysia
Japan
Malaysia
Japan
Taiwan
Philippines
China
Japan
Vietnam
China
India
Operating Profit
Net Profit
$million
Change
Rank
$million
Change
Rank
131
209
78
517
188
231
244
84
122
92
214
123
13
63
152
472
189
359
335
98
319
160
165
79
-226
63
119
398
213
141
134
71
332
-11
121
79
90
65
26
257
88
128
48
-97
80
112
64
126
139
153
L-P
12.2%
-31.6%
112.4%
27.9%
30.9%
6.9%
-31.8%
-11.4%
-16.9%
10.7%
-35.0%
-82.3%
5.7%
25.0%
34.8%
15.1%
33.8%
1290.5%
-16.2%
28.8%
-3.1%
11.5%
7.2%
P-L
-12.0%
-0.8%
16.7%
14.1%
68.0%
25.1%
2.7%
313.0%
P-L
-0.6%
17.7%
6.2%
-42.5%
-22.9%
22.4%
56.3%
31.7%
-13.6%
P-L
-9.3%
30.9%
-1.7%
20.8%
39.1%
18.1%
204
154
250
77
168
147
142
244
211
234
150
210
290
261
188
85
167
105
112
228
115
182
180
247
298
262
215
97
152
197
201
254
113
293
212
248
237
259
285
136
239
205
273
296
246
220
260
208
198
186
9
127
-484
330
207
123
171
-223
53
39
154
-51
-146
19
21
280
122
162
283
19
209
76
61
26
-182
3
50
161
119
62
47
24
423
-38
56
65
-144
-428
1
159
1
34
9
-347
76
77
22
25
79
46
L-P
14.4%
P-L
139.2%
44.8%
10.8%
19.6%
L-L
L-P
362.1%
91.2%
P-L
P-L
27.4%
-38.4%
33.9%
4.0%
17.6%
1489.4%
-36.7%
31.7%
161.1%
30.7%
8.3%
P-L
-78.9%
20.0%
-31.6%
17.2%
435.2%
-1.5%
43.6%
31.0%
L-L
18.9%
26.4%
L-L
L-L
-95.6%
33.1%
-88.3%
L-P
33.4%
P-L
15.6%
92.9%
-0.8%
94.9%
41.2%
176.1%
260
135
297
69
94
137
109
286
200
224
122
278
282
246
244
74
138
114
72
247
92
172
194
238
285
270
207
116
142
193
210
241
51
277
199
189
281
296
273
118
271
229
261
292
174
171
243
239
165
212
38
The Asian Banker
ISSUE 72
9/17/07 11:43:46 AM
Operating
Return on
Assets
2.6%
4.2%
1.4%
12.1%
3.9%
5.0%
4.7%
1.6%
2.3%
1.8%
5.0%
2.6%
0.3%
1.2%
3.4%
9.9%
4.3%
9.3%
15.4%
2.0%
7.3%
4.4%
4.3%
1.6%
-4.7%
1.2%
2.6%
10.5%
4.8%
3.9%
3.6%
1.7%
10.9%
-0.3%
3.4%
2.4%
2.2%
1.5%
0.7%
7.6%
2.2%
3.8%
1.3%
-2.5%
2.4%
4.0%
1.8%
4.3%
4.7%
5.1%
Return on
Equity
Assets
1.7%
26.6%
-149.5%
36.9%
15.6%
17.9%
37.1%
-36.6%
15.6%
5.3%
24.8%
-8.0%
-29.2%
3.7%
4.6%
37.5%
20.0%
18.8%
113.5%
3.1%
32.4%
18.9%
12.7%
5.0%
-35.0%
1.0%
14.3%
15.7%
18.4%
16.4%
10.6%
4.0%
9.7%
-11.6%
9.1%
8.6%
-44.0%
-107.5%
0.2%
15.4%
0.4%
6.0%
2.5%
-70.1%
11.1%
26.8%
5.4%
8.1%
21.9%
16.3%
0.1%
1.2%
-4.4%
3.4%
2.0%
1.2%
1.6%
-2.1%
0.5%
0.4%
1.6%
-0.5%
-1.5%
0.2%
0.2%
2.8%
1.3%
1.8%
3.9%
0.2%
2.3%
0.9%
0.7%
0.3%
-1.9%
0.0%
0.6%
1.9%
1.3%
0.8%
0.6%
0.3%
5.8%
-0.5%
0.7%
0.9%
-1.8%
-5.2%
0.0%
2.2%
0.0%
0.5%
0.1%
-4.5%
1.1%
1.2%
0.3%
0.4%
1.2%
0.7%
Loan to
Deposit
Ratio
64.8%
58.0%
76.9%
64.1%
61.2%
66.1%
62.3%
76.8%
74.1%
82.6%
52.9%
80.8%
77.0%
70.0%
64.3%
61.6%
75.0%
67.8%
20.5%
76.6%
67.8%
64.1%
59.0%
73.0%
94.3%
66.6%
80.9%
64.8%
78.3%
67.2%
47.6%
72.6%
138.8%
73.7%
67.6%
48.4%
76.4%
77.9%
82.7%
83.9%
78.3%
61.4%
73.8%
62.0%
36.7%
58.2%
77.0%
79.3%
79.1%
65.0%
Income
Cost to
Ratio
Income Ratio
62.5%
42.8%
66.0%
30.0%
31.7%
48.1%
45.6%
68.5%
58.2%
70.6%
30.4%
51.2%
91.3%
66.4%
43.1%
32.2%
38.6%
49.3%
28.5%
55.2%
47.2%
48.3%
52.0%
64.6%
897.6%
74.4%
48.5%
50.6%
33.0%
54.9%
34.5%
66.5%
34.1%
106.5%
48.5%
49.2%
48.5%
68.1%
79.9%
33.9%
66.1%
52.5%
77.4%
183.5%
76.8%
42.6%
67.6%
51.5%
37.3%
47.9%
19.7%
33.0%
5.2%
42.1%
34.3%
26.9%
32.3%
18.9%
29.0%
32.4%
22.7%
37.5%
-21.4%
3.5%
15.1%
28.7%
30.7%
33.4%
49.4%
10.3%
17.0%
20.4%
21.3%
19.7%
-485.1%
33.3%
33.6%
22.1%
37.2%
19.5%
3.8%
30.0%
88.2%
29.3%
29.2%
31.1%
11.4%
3.5%
10.2%
8.2%
39.5%
37.4%
37.2%
-169.5%
22.0%
11.5%
36.8%
14.9%
7.9%
33.0%
Equity to
Assets
Ratio
5.2%
4.6%
0.7%
9.5%
12.9%
6.6%
5.1%
5.7%
4.1%
7.3%
6.7%
5.7%
4.1%
5.1%
5.9%
8.4%
6.0%
9.2%
2.5%
6.5%
7.7%
4.4%
5.7%
5.5%
4.9%
3.2%
4.0%
11.8%
7.5%
4.5%
5.3%
7.4%
56.7%
3.8%
7.7%
9.4%
3.2%
4.7%
5.4%
13.3%
5.0%
7.7%
4.9%
4.9%
10.7%
4.5%
5.5%
4.4%
5.5%
4.3%
Capital
Adequacy Ratio
Tier 1
Total
Loan Loss
Reserve to
Gross NPLs
7.3%
9.6%
3.8%
8.2%
14.2%
10.0%
8.4%
7.8%
6.7%
8.8%
na
8.0%
5.4%
8.5%
10.8%
na
7.8%
10.8%
na
9.0%
na
7.1%
7.7%
8.6%
6.1%
5.9%
5.7%
15.5%
10.5%
6.0%
7.8%
10.5%
102.5%
6.4%
10.0%
12.4%
5.4%
6.6%
7.2%
na
7.5%
10.9%
8.8%
6.6%
na
8.4%
9.2%
na
na
6.1%
9.5%
13.2%
6.5%
9.9%
16.0%
11.3%
11.6%
12.5%
9.5%
10.1%
10.6%
8.9%
9.2%
9.8%
10.7%
17.0%
11.9%
11.3%
na
10.2%
13.0%
11.2%
12.0%
10.2%
8.9%
9.4%
9.4%
22.4%
12.0%
12.1%
8.6%
14.1%
33.1%
7.8%
13.6%
15.6%
5.4%
9.0%
8.9%
21.6%
8.7%
16.6%
9.4%
9.4%
21.4%
11.7%
11.4%
6.3%
9.5%
11.5%
41.9%
78.5%
49.2%
na
33.8%
86.5%
101.2%
118.9%
32.9%
37.1%
na
45.0%
128.5%
41.8%
65.4%
89.0%
68.4%
40.4%
na
30.1%
73.0%
73.4%
59.2%
26.6%
na
34.6%
56.7%
107.3%
53.6%
63.4%
42.9%
47.3%
44.2%
36.4%
40.1%
41.5%
61.6%
42.1%
na
101.4%
35.7%
67.3%
45.8%
na
134.0%
107.3%
24.8%
11.7%
290.0%
50.0%
Gross
NPL
Ratio
AB300
Rank
2007
2.0%
4.0%
5.7%
2.8%
0.5%
1.4%
3.0%
1.2%
8.6%
5.9%
1.2%
2.1%
1.2%
3.9%
7.6%
10.4%
5.5%
1.6%
na
5.8%
8.1%
2.3%
3.6%
5.0%
4.9%
8.3%
3.4%
3.2%
5.9%
3.5%
4.7%
2.9%
8.5%
2.8%
16.2%
1.2%
1.5%
4.3%
2.7%
2.9%
9.8%
10.9%
5.0%
6.0%
8.1%
2.5%
3.6%
1.8%
0.6%
4.0%
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
ISSUE 72
The Asian Banker
39
9/17/07 11:43:49 AM
AB300
Rank
2006
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
258
239
247
250
251
240
242
na
244
261
na
297
256
248
253
na
na
273
246
281
276
269
298
275
265
262
266
271
272
278
292
na
289
274
293
na
na
290
277
279
255
283
288
na
na
na
291
299
282
286
251 to 300 (A)
AB300
Rank
2007
Commercial Bank
Tomato Bank
Tajima Bank
Sony Bank
Tottori Bank
Gifu Bank
Sendai Bank
Kotak Mahindra Bank
Ibaraki Bank
Chinese Bank
Saikyo Bank
Banco de Oro-EPCI
Huishang Bank
Jeonbuk Bank
Bankthai
King's Town Bank
Bank of Panhsin
Federal Bank
MCB Bank
Minami-Nippon Bank
Daito Bank
Fukushima Bank
Tohoku Bank
Bank of Ningbo
Bank Niaga
Sonali Bank
AMP Bank
BIMB Holdings
Chikuho Bank
Miyazaki Taiyo Bank
Okinawa Kaiho Bank
China Zheshang Bank
Evergrowing Bank
Bank Alfalah
Bank Pan Indonesia
Bank of Kaohsiung
Country
Pakistan
Japan
Japan
Hong Kong
Japan
Japan
Japan
China
Japan
India
India
China
Japan
Taiwan
Japan
Philippines
China
South Korea
Thailand
Taiwan
Indonesia
Taiwan
India
Pakistan
Japan
Taiwan
Japan
Japan
Japan
Thailand
China
Thailand
Indonesia
Bangladesh
China
Australia
Australia
Philippines
Malaysia
Japan
Hong Kong
Japan
Japan
China
China
Philippines
Pakistan
Indonesia
Taiwan
China
Assets
Loans
$million
Change
$million
Change
Rank
7,175
7,087
6,919
6,876
6,850
6,796
6,773
6,755
6,624
6,571
6,568
6,453
6,389
6,339
6,299
6,214
6,144
6,067
6,066
6,034
5,908
5,835
5,756
5,649
5,586
5,506
5,475
5,323
5,301
5,256
5,221
5,190
5,179
5,110
5,088
5,061
5,054
4,969
4,829
4,821
4,755
4,711
4,709
4,689
4,581
4,567
4,538
4,508
4,503
4,487
21.7%
1.3%
5.5%
7.1%
6.9%
-1.9%
2.4%
19.9%
0.4%
8.3%
59.3%
26.6%
1.2%
-10.0%
-1.2%
30.2%
26.4%
8.9%
-19.4%
27.3%
5.6%
7.3%
21.5%
14.5%
0.4%
-7.3%
-0.3%
0.2%
1.5%
-7.5%
22.8%
21.2%
11.9%
0.2%
20.4%
4.0%
60.4%
9.3%
-4.1%
2.1%
-24.8%
1.7%
9.2%
67.6%
35.7%
21.4%
11.0%
9.7%
-4.2%
24.6%
4,192
5,085
5,019
3,319
2,416
4,990
4,640
2,779
4,140
3,918
3,573
2,805
4,472
3,741
4,303
1,973
3,711
3,937
2,684
4,344
2,843
4,395
3,418
3,263
3,945
3,207
3,582
3,837
3,748
4,078
2,385
2,280
3,633
3,490
2,919
4,738
4,380
983
2,304
3,267
3,459
3,165
2,893
2,757
2,981
1,739
2,469
1,985
3,028
2,466
21.2%
4.9%
0.8%
20.5%
18.9%
2.7%
4.5%
11.7%
-2.0%
17.9%
49.5%
26.8%
3.4%
-12.1%
-3.5%
21.6%
34.5%
14.8%
-19.7%
26.8%
11.8%
2.2%
26.9%
9.9%
0.0%
-8.5%
2.2%
-0.5%
1.3%
-2.1%
12.6%
-4.1%
12.9%
1.8%
37.7%
6.3%
75.2%
3.8%
-6.9%
0.0%
-6.5%
2.2%
4.8%
64.0%
94.0%
13.4%
26.2%
28.4%
-2.8%
27.2%
252
232
234
273
290
235
241
285
253
259
268
284
243
263
249
297
264
257
287
247
283
245
272
276
256
277
267
261
262
254
291
294
266
269
281
240
246
300
293
275
270
278
282
286
280
299
288
296
279
289
40
The Asian Banker
ISSUE 72
9/17/07 11:43:51 AM
Deposits
Rank
$million
Change
Rank
$million
Change
Rank
$million
Change
AB300
Rank
2006
233
275
268
231
263
260
276
255
287
236
190
272
290
289
281
234
269
273
295
257
213
271
256
218
267
298
284
283
286
205
277
226
227
245
278
296
285
232
207
266
154
282
274
288
293
250
291
186
259
294
352
128
106
90
39
121
114
162
116
176
240
151
141
194
138
170
134
166
159
80
292
87
168
350
122
97
101
105
93
174
145
246
246
13
101
32
201
109
76
86
128
94
95
116
130
148
98
178
60
71
47.0%
-3.1%
5.3%
39.0%
-4.4%
2.3%
8.8%
16.4%
-3.2%
15.7%
57.5%
27.9%
-4.3%
-17.1%
-3.1%
21.8%
na
12.4%
148.9%
2.0%
12.1%
-4.0%
22.1%
42.1%
0.1%
-18.4%
-2.1%
-3.0%
-2.4%
37.6%
27.1%
46.3%
28.1%
59.4%
73.4%
80.7%
L-P
2.1%
-19.9%
3.1%
25.9%
-1.9%
-2.3%
100.3%
49.9%
1.3%
18.2%
37.2%
40.3%
23.3%
150
267
278
288
296
270
275
249
273
237
200
255
261
229
262
240
263
244
250
291
172
289
242
151
269
284
282
279
287
238
258
196
194
298
281
297
222
276
292
290
266
286
285
271
265
256
283
236
295
293
433
163
145
151
77
151
135
218
125
213
774
158
149
196
143
275
175
175
201
79
406
109
237
422
152
-94
137
153
137
212
154
312
323
117
124
44
430
272
210
138
169
130
134
126
133
251
135
266
73
105
45.7%
8.3%
11.3%
44.5%
-7.4%
3.5%
-0.1%
25.2%
-4.6%
16.5%
34.2%
29.2%
-3.4%
-48.6%
-24.1%
25.0%
na
12.4%
41.2%
-7.4%
11.0%
-3.6%
24.5%
29.2%
3.9%
P-L
-5.6%
-8.4%
-0.3%
67.6%
26.6%
54.6%
35.9%
-8.2%
41.9%
50.9%
142.2%
16.5%
-4.3%
0.7%
17.4%
-7.5%
-0.1%
101.7%
49.7%
9.7%
25.1%
45.2%
6.3%
31.1%
168
264
274
270
294
271
279
245
286
246
101
265
272
256
275
225
259
260
254
293
174
291
237
170
269
298
278
268
277
247
267
211
205
288
287
296
169
227
251
276
262
283
281
285
282
235
280
231
295
292
202
101
104
93
65
91
90
141
103
85
561
56
102
111
97
177
85
110
264
66
248
71
93
111
101
77
96
69
100
143
60
123
163
206
50
35
264
180
176
107
72
91
76
47
63
164
97
128
54
32
37.8%
-2.1%
8.0%
20.1%
2.9%
-6.6%
11.4%
31.1%
0.7%
7.9%
42.0%
11.4%
-1.7%
-14.0%
6.4%
30.0%
na
7.2%
126.5%
14.5%
1.2%
-2.3%
11.4%
4.4%
-2.9%
-13.2%
8.4%
-0.3%
-1.3%
26.0%
15.9%
20.9%
21.4%
138.0%
18.1%
-6.2%
18.0%
4.2%
28.3%
2.0%
19.7%
-2.5%
3.8%
64.2%
47.3%
4.5%
36.2%
20.5%
6.7%
-25.4%
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
$million
Change
Rank
6,296
6,663
6,558
5,048
6,494
6,331
6,353
6,286
6,293
5,922
4,507
5,926
6,062
5,504
5,888
5,278
5,107
5,270
5,363
5,093
4,448
5,306
5,128
4,628
5,219
5,166
5,118
4,940
4,989
4,333
4,205
2,505
4,373
4,401
3,963
1,460
107
3,761
3,867
4,453
3,552
4,405
4,389
3,244
4,013
3,294
4,081
3,359
4,055
3,874
19.8%
0.6%
5.7%
0.4%
7.0%
-2.0%
1.8%
20.3%
-0.1%
8.7%
72.1%
26.3%
0.1%
-7.0%
0.4%
35.1%
21.4%
11.3%
-23.9%
21.9%
0.8%
7.0%
20.9%
9.5%
0.7%
-4.5%
-1.4%
-1.0%
1.6%
-8.0%
18.8%
-9.0%
12.4%
1.9%
12.0%
5.2%
2824.0%
9.4%
-2.6%
2.1%
-33.2%
1.6%
9.3%
91.0%
33.4%
20.8%
8.6%
4.9%
-4.3%
17.5%
250
242
243
273
244
249
248
252
251
258
277
257
255
261
259
265
271
266
263
272
279
264
269
276
267
268
270
275
274
284
285
297
283
281
289
299
300
292
291
278
293
280
282
296
288
295
286
294
287
290
$million
502
276
295
513
313
321
275
358
212
460
749
278
181
189
253
498
285
278
120
338
621
283
345
599
297
67
239
240
217
678
271
533
533
412
264
115
220
505
673
299
1,034
252
277
212
150
378
174
792
326
126
Net Interest Income
Operating Expenses
ISSUE 72
The Asian Banker
41
9/17/07 11:43:55 AM
AB300
Rank
2006
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
258
239
247
250
251
240
242
na
244
261
na
297
256
248
253
na
na
273
246
281
276
269
298
275
265
262
266
271
272
278
292
na
289
274
293
na
na
290
277
279
255
283
288
na
na
na
291
299
282
286
251 to 300 (B)
AB300
Rank
2007
Commercial Bank
Tomato Bank
Tajima Bank
Sony Bank
Tottori Bank
Gifu Bank
Sendai Bank
Kotak Mahindra Bank
Ibaraki Bank
Chinese Bank
Saikyo Bank
Banco de Oro-EPCI
Huishang Bank
Jeonbuk Bank
Bankthai
King's Town Bank
Bank of Panhsin
Federal Bank
MCB Bank
Minami-Nippon Bank
Daito Bank
Fukushima Bank
Tohoku Bank
Bank of Ningbo
Bank Niaga
Sonali Bank
AMP Bank
BIMB Holdings
Chikuho Bank
Miyazaki Taiyo Bank
Okinawa Kaiho Bank
China Zheshang Bank
Evergrowing Bank
Bank Alfalah
Bank Pan Indonesia
Bank of Kaohsiung
Country
Pakistan
Japan
Japan
Hong Kong
Japan
Japan
Japan
China
Japan
India
India
China
Japan
Taiwan
Japan
Philippines
China
South Korea
Thailand
Taiwan
Indonesia
Taiwan
India
Pakistan
Japan
Taiwan
Japan
Japan
Japan
Thailand
China
Thailand
Indonesia
Bangladesh
China
Australia
Australia
Philippines
Malaysia
Japan
Hong Kong
Japan
Japan
China
China
Philippines
Pakistan
Indonesia
Taiwan
China
Operating Profit
Net Profit
$million
Change
Rank
$million
Change
Rank
232
61
41
59
12
60
45
77
22
127
213
102
48
85
46
98
90
65
-63
13
157
38
144
311
51
-171
41
84
37
68
94
189
160
-89
74
8
165
92
33
31
97
38
58
78
69
87
37
138
19
73
53.4%
31.4%
20.7%
112.6%
-40.0%
23.9%
-17.2%
15.6%
-23.3%
23.0%
17.2%
41.7%
-6.6%
-66.4%
-52.5%
16.8%
na
22.4%
P-L
-52.2%
31.1%
-6.0%
34.8%
41.1%
20.5%
L-L
-27.3%
-14.1%
2.6%
438.9%
34.5%
89.0%
54.8%
P-L
64.4%
L-P
L-P
51.6%
-59.2%
-3.8%
15.7%
-17.6%
-4.7%
134.0%
52.0%
21.1%
3.2%
79.1%
5.2%
95.9%
146
263
278
266
291
264
276
251
287
206
151
224
274
243
275
229
236
258
294
289
184
280
194
121
272
297
277
245
281
256
233
166
181
295
252
292
179
235
283
284
231
279
267
249
255
241
282
199
288
253
159
-13
9
42
9
8
33
68
10
63
120
43
20
-295
7
64
39
34
-124
4
76
-24
67
206
11
-247
34
15
8
17
37
84
72
-525
1
4
155
17
-331
5
79
10
11
36
17
39
29
81
15
10
56.7%
P-L
-37.3%
35.7%
-68.6%
-33.7%
75.5%
16.7%
-17.3%
55.2%
-1.0%
63.1%
-12.2%
L-L
L-P
23.0%
na
16.8%
P-L
L-P
-16.8%
P-L
30.0%
36.1%
13.1%
L-L
66.4%
60.5%
-16.5%
-37.0%
288.0%
62.8%
18.6%
P-L
-87.3%
L-P
L-P
30.7%
L-L
-46.7%
14.7%
-12.7%
-7.9%
328.1%
32.7%
88.5%
3.6%
29.5%
25.9%
72.9%
119
275
263
219
262
264
233
185
258
191
139
216
245
289
266
190
225
232
280
269
173
276
186
95
256
288
231
252
265
248
227
157
177
298
272
268
121
249
290
267
162
259
255
228
250
226
235
160
251
257
42
The Asian Banker
ISSUE 72
9/17/07 11:43:57 AM
Operating
Return on
Assets
7.9%
1.8%
1.3%
1.8%
0.4%
1.7%
1.4%
2.7%
0.7%
4.2%
10.4%
4.0%
1.5%
2.4%
1.5%
4.1%
3.7%
2.3%
-1.7%
0.6%
5.6%
1.4%
6.1%
12.6%
1.8%
-5.8%
1.5%
3.2%
1.4%
2.4%
4.4%
8.8%
6.9%
-3.5%
3.5%
0.3%
10.5%
4.0%
1.3%
1.3%
3.1%
1.7%
2.7%
5.6%
4.1%
4.6%
1.8%
6.7%
0.8%
4.1%
Return on
Equity
Assets
37.3%
-4.4%
2.9%
8.5%
2.9%
2.6%
12.7%
20.7%
4.6%
14.4%
18.1%
18.8%
12.1%
-82.1%
2.8%
14.0%
16.0%
12.8%
-69.2%
1.1%
12.8%
-8.7%
21.3%
45.6%
3.5%
-132.2%
15.5%
6.7%
3.8%
2.5%
14.7%
19.0%
14.8%
na
0.8%
3.9%
120.3%
3.4%
-41.2%
1.8%
8.0%
3.9%
4.1%
17.6%
11.5%
12.1%
20.4%
12.2%
4.7%
8.1%
2.4%
-0.2%
0.1%
0.6%
0.1%
0.1%
0.5%
1.1%
0.1%
1.0%
2.3%
0.8%
0.3%
-4.4%
0.1%
1.2%
0.7%
0.6%
-1.8%
0.1%
1.3%
-0.4%
1.3%
3.9%
0.2%
-4.3%
0.6%
0.3%
0.1%
0.3%
0.8%
1.8%
1.5%
-10.3%
0.0%
0.1%
3.8%
0.4%
-6.7%
0.1%
1.4%
0.2%
0.2%
1.0%
0.4%
0.9%
0.7%
1.9%
0.3%
0.2%
Loan to
Deposit
Ratio
66.6%
76.3%
76.5%
65.7%
37.2%
78.8%
73.0%
44.2%
65.8%
66.2%
79.3%
47.3%
73.8%
68.0%
73.1%
37.4%
72.7%
74.7%
50.0%
85.3%
63.9%
82.8%
66.6%
70.5%
75.6%
62.1%
70.0%
77.7%
75.1%
94.1%
56.7%
91.0%
83.1%
79.3%
73.7%
324.5%
4093.4%
26.1%
59.6%
73.4%
97.4%
71.9%
65.9%
85.0%
74.3%
52.8%
60.5%
59.1%
74.7%
63.7%
Income
Cost to
Ratio
Income Ratio
46.6%
62.3%
71.8%
61.1%
84.4%
60.3%
66.6%
64.6%
82.3%
40.1%
72.4%
35.5%
68.2%
56.7%
67.6%
64.4%
48.5%
62.7%
131.5%
83.0%
61.2%
65.2%
39.3%
26.4%
66.3%
na
69.8%
45.3%
72.7%
67.6%
39.0%
39.5%
50.5%
176.2%
40.5%
81.0%
61.5%
66.1%
84.1%
77.6%
42.4%
70.3%
56.5%
37.7%
47.8%
65.4%
72.3%
48.0%
73.5%
30.4%
18.8%
21.2%
27.5%
40.3%
49.5%
20.1%
15.7%
25.6%
7.1%
17.3%
69.0%
4.7%
5.9%
0.9%
3.3%
38.2%
23.7%
5.2%
20.6%
-1.2%
27.9%
20.1%
29.2%
16.9%
19.9%
na
26.7%
31.2%
32.3%
18.0%
6.1%
21.2%
23.8%
88.6%
18.3%
26.3%
53.1%
59.9%
63.9%
38.1%
23.9%
27.4%
28.9%
7.7%
2.0%
41.0%
27.2%
33.1%
18.6%
33.0%
Equity to
Assets
Ratio
7.0%
3.9%
4.3%
7.5%
4.6%
4.7%
4.1%
5.3%
3.2%
7.0%
11.4%
4.3%
2.8%
3.0%
4.0%
8.0%
4.6%
4.6%
2.0%
5.6%
10.5%
4.8%
6.0%
10.6%
5.3%
1.2%
4.4%
4.5%
4.1%
12.9%
5.2%
10.3%
10.3%
8.1%
5.2%
2.3%
4.4%
10.2%
13.9%
6.2%
21.7%
5.3%
5.9%
4.5%
3.3%
8.3%
3.8%
17.6%
7.2%
2.8%
Capital
Adequacy Ratio
Tier 1
Total
Loan Loss
Reserve to
Gross NPLs
na
6.8%
10.5%
11.3%
12.1%
8.0%
5.9%
9.4%
6.5%
12.6%
8.8%
na
4.7%
6.2%
6.6%
13.8%
na
7.0%
4.1%
na
na
5.5%
8.9%
16.6%
7.6%
0.6%
6.7%
7.5%
7.9%
16.4%
na
12.5%
12.5%
4.1%
4.2%
na
na
na
-2.8%
8.7%
16.3%
7.3%
9.6%
7.9%
na
13.3%
na
23.5%
11.0%
na
11.1%
10.1%
11.2%
17.0%
12.2%
10.6%
8.6%
11.1%
9.9%
13.2%
13.5%
9.6%
7.4%
6.7%
9.7%
15.9%
8.3%
12.0%
6.0%
11.2%
23.3%
8.4%
13.4%
19.1%
8.6%
1.1%
9.2%
10.2%
9.9%
17.4%
10.8%
13.0%
16.7%
na
4.7%
na
na
19.6%
-2.8%
9.8%
24.6%
8.3%
10.1%
11.9%
na
20.3%
9.5%
31.7%
9.9%
na
82.6%
32.8%
16.2%
103.2%
58.7%
38.2%
33.4%
199.2%
20.3%
61.2%
47.2%
59.1%
34.1%
27.6%
38.7%
99.2%
82.9%
151.6%
92.1%
na
62.4%
na
83.7%
100.4%
34.8%
na
31.8%
33.9%
22.4%
62.2%
329.2%
113.4%
60.1%
na
39.0%
6.3%
na
109.8%
73.2%
40.3%
na
38.8%
45.9%
na
51.5%
77.0%
96.9%
82.3%
62.9%
106.8%
Gross
NPL
Ratio
AB300
Rank
2007
6.2%
5.7%
3.3%
0.6%
0.1%
3.5%
5.5%
3.0%
5.5%
2.9%
0.2%
5.0%
8.4%
8.1%
5.4%
5.4%
2.1%
0.8%
8.1%
7.1%
4.6%
4.5%
3.0%
4.1%
4.9%
10.8%
6.7%
6.6%
5.3%
12.0%
0.5%
2.5%
3.5%
na
6.4%
0.4%
na
19.9%
22.9%
5.6%
na
4.0%
4.7%
na
4.3%
8.2%
1.5%
8.0%
1.5%
2.6%
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
ISSUE 72
The Asian Banker
43
9/17/07 11:43:59 AM
The Largest Banks in Greater China
Rank Commercial Bank
Country
Assets
($m)
Net Profit
($m)
ROE
ROA
CAR
Gross
NPL Ratio
AB300
Rank
2007
1
China
961,783
6,319
13.5%
0.7%
14.1%
3.8%
3
2
China
697,856
5,933
15.0%
0.9%
12.1%
3.3%
5
3
China
684,463
744
7.1%
0.1%
-17.6%
23.4%
6
4
Bank of China
China
682,071
6,039
13.9%
0.9%
13.6%
4.2%
7
5
Hong Kong
406,112
5,491
22.0%
1.5%
13.5%
0.8%
9
6
China
220,235
1,571
14.1%
0.8%
10.8%
2.5%
16
7
8
9
China
119,642
910
17.5%
0.9%
11.4%
2.1%
25
Hong Kong
117,778
1,809
18.1%
1.6%
14.0%
0.6%
26
China CITIC Bank
China
90,536
477
13.4%
0.6%
9.4%
2.5%
33
10
China
89,715
491
22.1%
0.6%
8.1%
1.2%
35
11
12
Hang Seng Bank
13
China
88,293
429
16.5%
0.5%
9.3%
1.8%
36
Hong Kong
86,236
1,591
29.0%
2.0%
13.6%
0.5%
37
Bank of Taiwan
Taiwan
82,807
335
5.6%
0.4%
12.9%
1.1%
39
14
Industrial Bank
China
79,117
486
26.2%
0.7%
8.7%
1.5%
43
15
China
76,222
357
753.8%
0.5%
na
7.6%
45
16
Taiwan
72,711
282
11.4%
0.4%
10.7%
1.8%
47
17
Hua Xia Bank
China
57,003
187
13.1%
0.4%
8.3%
2.8%
55
18
Land Bank of Taiwan
Taiwan
56,672
147
5.1%
0.3%
11.4%
1.5%
56
19
Taiwan
55,273
359
10.2%
0.8%
10.3%
0.7%
58
20
Hong Kong
50,401
777
22.6%
1.7%
14.0%
0.4%
63
21
Taiwan
48,792
275
11.4%
0.6%
12.3%
2.1%
65
22
Taiwan
48,511
-358
-14.7%
-0.7%
10.4%
1.2%
67
23
Taiwan
48,313
335
13.3%
0.7%
11.0%
1.6%
68
24
China
47,890
-8
-4.9%
0.0%
na
5.8%
69
25
Taiwan
41,609
349
14.3%
0.8%
11.2%
1.7%
75
26
Bank of East Asia
Hong Kong
37,920
449
13.7%
1.3%
13.9%
0.7%
81
27
Cathay United Bank
Taiwan
36,123
-116
-5.0%
-0.3%
12.3%
1.2%
84
28
Bank of Shanghai
China
34,588
216
14.6%
0.7%
11.6%
3.1%
90
29
China
33,375
167
22.6%
0.5%
3.7%
8.1%
93
30
Taiwan
33,303
14
0.6%
0.0%
11.2%
1.8%
94
31
Taiwan
32,543
25
2.3%
0.1%
10.3%
2.3%
98
32
Bank SinoPac
Taiwan
32,020
77
5.4%
0.3%
12.4%
1.5%
100
33
Bank of Beijing
34
35
China
28,817
68
6.9%
0.2%
10.8%
3.6%
106
Hong Kong
27,337
402
18.1%
1.6%
15.9%
1.5%
110
Taiwan
25,155
-603
-45.7%
-2.4%
7.5%
2.4%
119
36
Taiwan
20,970
14
1.1%
0.1%
10.8%
0.7%
134
37
China
19,814
71
8.4%
0.4%
8.7%
11.1%
140
38
Hong Kong
18,868
161
12.2%
1.0%
16.1%
1.2%
149
39
China
17,438
51
6.3%
0.3%
7.3%
1.7%
157
40
Taiwan
15,849
248
15.3%
1.6%
10.3%
1.2%
167
41
Wing Hang Bank
Hong Kong
15,744
214
18.8%
1.5%
15.2%
0.6%
168
42
Taiwan
13,159
-158
-28.2%
-1.2%
9.1%
1.6%
182
43
Dah Sing Bank
Hong Kong
12,841
148
14.0%
1.2%
16.2%
0.5%
185
44
Hong Kong
12,085
214
13.5%
1.9%
22.0%
1.2%
189
45
CITIC Ka Wah Bank
Hong Kong
11,558
118
13.4%
1.1%
16.8%
1.7%
196
46
Ta Chong Bank
Taiwan
11,516
-153
-31.3%
-1.5%
8.4%
2.6%
197
47
Taiwan
11,092
9
1.7%
0.1%
9.5%
2.0%
201
48
Wing Lung Bank
Hong Kong
10,953
207
15.6%
2.0%
16.0%
0.5%
205
49
Taiwan
10,790
-223
-36.6%
-2.1%
12.5%
1.2%
208
50
Taiwan
10,558
-51
-8.0%
-0.5%
8.9%
2.1%
212
44
The Asian Banker
ISSUE 72
9/18/07 11:44:03 AM
ISSUE 72
The Asian Banker
45
9/17/07 11:46:34 AM
The Largest Banks in South and Southeast Asia
Country
Assets
($m)
Net Profit
($m)
ROE
ROA
CAR
Gross
NPL Ratio
AB300
Rank
2007
1
State Bank of India
India
187,010
1,519
16.0%
0.9%
12.4%
2.6%
18
2
DBS Group Holdings
Singapore
128,715
1,584
12.1%
1.3%
14.5%
1.8%
22
3
Singapore
105,199
1,712
16.2%
1.7%
16.3%
4.0%
29
4
Singapore
98,617
1,373
15.1%
1.5%
15.8%
3.0%
30
5
ICICI Bank
India
90,465
604
11.0%
0.8%
11.7%
2.0%
34
6
Maybank
Malaysia
61,014
780
16.7%
1.4%
13.3%
6.7%
52
7
Malaysia
45,218
456
13.5%
1.2%
13.6%
8.9%
71
8
Public Bank
Malaysia
41,870
509
21.3%
1.4%
14.6%
1.9%
73
9
Bangkok Bank
Thailand
41,710
502
12.7%
1.2%
14.5%
9.3%
74
10
Canara Bank
India
38,207
352
16.6%
1.0%
13.5%
1.5%
79
11
India
38,041
357
14.9%
1.0%
12.3%
3.5%
80
12
Krung Thai Bank
Thailand
33,611
393
16.1%
1.2%
14.0%
9.7%
91
13
Bank of Baroda
India
32,839
235
12.4%
0.8%
11.8%
2.5%
96
14
Bank of India
India
32,483
258
20.7%
0.9%
11.6%
2.4%
99
15
Bank Mandiri
Indonesia
29,764
270
9.8%
0.9%
25.3%
16.3%
105
16
Thailand
28,808
379
14.9%
1.5%
14.4%
8.0%
107
17
RHB Bank
Malaysia
26,949
181
10.9%
0.7%
12.1%
7.4%
112
18
Kasikornbank
Thailand
26,153
382
16.4%
1.5%
14.7%
5.7%
116
19
Union Bank of India
India
23,555
194
17.3%
0.9%
12.8%
2.9%
123
20
India
21,337
114
13.8%
0.6%
10.4%
4.8%
130
21
TMB Bank
Thailand
20,930
-340
-24.5%
-1.7%
10.4%
11.7%
135
22
HDFC Bank
India
20,912
262
19.7%
1.4%
13.1%
1.3%
136
23
Syndicate Bank
India
20,481
164
22.2%
1.0%
11.7%
3.0%
138
24
Bank Central Asia
Indonesia
19,671
472
25.0%
2.6%
22.2%
1.3%
142
25
AMMB Holdings
Malaysia
19,660
130
8.8%
0.7%
13.9%
13.0%
143
26
India
18,871
231
28.1%
1.4%
13.3%
2.3%
148
27
Indonesia
18,849
215
14.4%
1.2%
16.0%
10.5%
150
28
Bank of Ayudhya
Thailand
18,557
42
3.5%
0.2%
11.7%
13.8%
151
29
Indonesia
17,215
474
28.2%
3.1%
18.8%
4.8%
159
30
UCO Bank
India
17,175
73
12.3%
0.5%
11.6%
3.2%
161
31
India
16,907
133
11.0%
0.9%
11.0%
3.2%
162
32
AXIS Bank
India
16,769
151
21.5%
1.1%
11.6%
1.1%
163
33
Hong Leong Bank
Malaysia
16,490
150
12.5%
0.9%
17.5%
4.7%
165
34
Vietnam
15,723
77
11.8%
0.5%
7.6%
1.9%
169
35
Allahabad Bank
India
15,521
172
18.5%
1.2%
12.5%
2.6%
172
36
Philippines
13,242
124
10.2%
1.0%
17.7%
7.0%
181
37
Indian Bank
India
12,893
188
25.5%
1.6%
14.1%
1.8%
184
38
HSBC (India)
India
12,555
194
17.1%
1.8%
11.1%
1.7%
187
39
Corporation Bank
India
12,074
118
14.2%
1.1%
13.2%
2.7%
190
40
Philippines
11,878
188
14.7%
1.7%
15.9%
7.4%
191
41
Malaysia
11,616
195
28.5%
1.8%
10.9%
2.2%
194
42
Siam City Bank
Thailand
11,575
119
12.0%
1.0%
12.5%
5.5%
195
43
EON Bank
Malaysia
11,164
63
7.0%
0.6%
12.9%
6.8%
199
44
Malaysia
11,085
127
26.6%
1.2%
13.2%
4.0%
202
45
India
11,054
330
36.9%
3.4%
9.9%
2.8%
204
46
Andhra Bank
India
10,904
123
17.9%
1.2%
11.3%
1.4%
206
47
Citibank (Malaysia)
Malaysia
10,841
171
37.1%
1.6%
11.6%
3.0%
207
48
Vietnam
10,569
154
24.8%
1.6%
10.6%
1.2%
211
49
Pakistan
10,455
280
37.5%
2.8%
17.0%
10.4%
216
50
Malaysia
10,398
122
20.0%
1.3%
11.9%
5.5%
217
46
The Asian Banker
ISSUE 72
9/18/07 11:44:47 AM
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ISSUE 72
The Asian Banker
47
9/17/07 11:46:37 AM
Performance Rankings
Largest Profit
Largest Gain in Profit
Country
Net AB300
Profit Rank
($m) 2007
Country
Gain in Net AB300
Profit
Profit Rank
($m) Change 2007
1
Japan
8,319
1
1
Resona Holdings
Japan
2388
71.0%
2
China
6,319
3
2
Bank of China
China
1864
44.7%
7
3
Bank of China
China
6,039
7
3
Taiwan
1470
L-P
75
4
Japan
6,010
2
4
5
China
5,933
5
5
DBS Group Holdings
6
Resona Holdings
7
8
9
Japan
5,750
11
6
Shinhan Bank
Hong Kong
5,491
9
7
Japan
4,247
4
8
Australia
3,835
10
9
10
Australia
2,939
12
10
11
Australia
2,754
13
11
12
Kookmin Bank
South Korea
2,658
17
12
13
Australia
2,331
14
14
Norinchukin Bank
Japan
2,185
15
Hong Kong
16
Woori Bank
17
18
Hang Seng Bank
19
DBS Group Holdings
20
21
Shinhan Bank
22
State Bank of India
23
24
Macquarie Bank
25
11
China
1469
30.3%
3
Singapore
942
146.6%
22
South Korea
728
89.1%
21
Hong Kong
697
14.5%
9
China
610
456.2%
6
Singapore
583
51.6%
29
Taiwan
486
L-P
98
Singapore
462
50.7%
30
Macquarie Bank
Australia
449
55.6%
28
13
St. George Bank
Australia
432
119.4%
42
8
14
China
425
87.7%
25
1,809
26
15
Australia
407
16.1%
12
South Korea
1,770
19
16
Australia
399
11.6%
10
Singapore
1,712
29
17
China
388
32.7%
16
Hong Kong
1,591
37
18
Australia
383
16.2%
13
Singapore
1,584
22
19
South Korea
294
35.0%
27
China
1,571
16
20
Australia
265
South Korea
1,545
21
21
Australia
253
India
1,519
18
22
Woori Bank
South Korea
233
15.2%
19
Singapore
1,373
30
23
Kookmin Bank
South Korea
231
9.5%
17
Australia
1,257
28
24
State Bank of India
India
220
16.9%
18
South Korea
1,133
27
25
Bank Mandiri
Indonesia
202
300.7% 105
26
Hana Bank
South Korea
1,132
23
26
Taiwan
201
248.3%
27
Korea Exchange Bank
South Korea
1,084
44
27
India
192
139.2% 204
28
Japan
1,008
24
28
Hong Kong
191
32.7%
63
29
China
910
25
29
Industrial Bank
China
171
54.1%
43
30
St. George Bank
Australia
794
42
30
Malaysia
164
56.3%
71
31
Maybank
Malaysia
780
52
31
Michinoku Bank
Japan
161
32
Hong Kong
777
63
32
33
China
744
6
33
Hana Bank
34
Aozora Bank
Japan
698
57
34
35
36
Suncorp-Metway
37
Ashikaga Bank
38
ICICI Bank
39
Bank of Yokohama
40
Public Bank
41
Bangkok Bank
42
1489.4% 219
L-P 287
47
L-P 170
China
148
43.3%
35
South Korea
139
14.0%
23
Hong Kong
131
48.5% 110
Japan
694
20
35
Australia
131
6.0%
14
Australia
680
72
36
China
127
318.9%
93
Japan
650
83
37
Japan
118
52.1%
41
India
604
34
38
Taiwan
116
Japan
559
32
39
Japan
107
88.9%
54
Malaysia
509
73
40
China
102
31.1%
36
Thailand
502
74
41
Hang Seng Bank
Hong Kong
101
6.8%
37
China
491
35
42
Taiwan
100
43
Industrial Bank
China
486
43
43
Bank of India
44
China CITIC Bank
China
477
33
44
45
Indonesia
474
159
45
Alliance Bank
46
Bank Central Asia
Indonesia
472
142
46
Kanto Tsukuba Bank
47
Chiba Bank
Japan
462
40
47
Bank of East Asia
48
Malaysia
456
71
48
Maybank
49
Bank of East Asia
Hong Kong
449
81
49
Bank of New Zealand
50
China
429
36
50
HSBC (India)
48
The Asian Banker
L-P 201
31.0% 233
India
97
60.1%
99
South Korea
96
136.8%
51
Malaysia
93
L-P 242
L-P 209
Japan
91
Hong Kong
90
25.1%
81
Malaysia
88
12.6%
52
New Zealand
81
24.0%
89
India
76
64.2% 187
ISSUE 72
9/17/07 12:10:56 PM
Largest Growth in Loans
1
Shinhan Bank
2
Evergrowing Bank
3
Bank SinoPac
4
5
6
AXIS Bank
7
8
9
Country
Largest Growth in Deposits
AB300
Loans Loans Rank
($m) Change 2007
Country
21
1
Australia
107 2824.0% 287
China
2981
94.0%
295
2
Australia
9,268 144.8% 219
South Korea 120553 152.9%
Taiwan
19366
83.6%
100
3
Shinhan Bank
Australia
4380
75.2%
287
4
China Zheshang Bank
Taiwan
34189
70.8%
58
5
Suncorp-Metway
India
8460
65.3%
163
6
Bank SinoPac
China Zheshang Bank
China
2757
64.0%
294
7
Kotak Mahindra Bank
Kotak Mahindra Bank
India
3573
49.5%
261
8
Vijaya Bank
India
5557
45.4%
222
9
10 United Bank of India
India
5083
42.7%
11 Syndicate Bank
India
11854
12 Allahabad Bank
India
13 Bank of Baroda
14 Bank of Maharashtra
15 Central Bank of India
50.5% 233
49.5% 163
223
10 Syndicate Bank
India
18,355
48.3% 138
41.7%
138
11 ICICI Bank
India
71,180
42.7%
34
9472
41.7%
172
12 Mega International Commercial Bank
Taiwan
46,457
42.2%
58
India
19184
39.6%
96
13 Shinsei Bank
Japan
62,821
41.9%
38
India
5258
39.2%
230
14 HSBC (India)
India
9,110
41.5% 187
15 Indian Overseas Bank
16 Banco de Oro-EPCI
17 HSBC (India)
India
5309
37.6%
187
India
10796
35.4%
19 ICICI Bank
India
48497
20 Citibank (India)
India
5610
India
16,434
39.7% 148
Philippines
5,278
35.1% 266
17 Bumiputra-Commerce Holdings
Malaysia
33,219
34.7%
71
148
18 Westpac Banking Corporation
Australia 171,173
34.7%
14
35.3%
34
19 Vijaya Bank
35.0%
218
20 Evergrowing Bank
Country
ROA
AB300
Rank
2007
233
1
Australia 3.91%
219
2
South Korea 3.90%
274
3
China 3.78%
287
4
Australia 3.37%
204
5
Taiwan 3.07%
159
India 2.81%
216
Taiwan 2.60%
AXIS Bank
5
Suncorp-Metway
6
Bank SinoPac
7
Kotak Mahindra Bank
8
9
8,672
33.9% 222
China
4,013
33.4% 295
Country
Australia 5.83%
China Zheshang Bank
India
Highest Return on Equity
Highest Return on Assets
Shinhan Bank
72
14,678
285
4
81.0% 100
India
130
3
83.9%
27,578
AXIS Bank
37.7%
20,637
Taiwan
72.1% 261
38.2%
Australia
1,697
2919
2
3,244
4,507
11882
1
21
91.0% 294
China
India
India
South Korea 121,017 129.8%
Taiwan
China
16 Dalian City Commercial Bank
AB300
Deposits Deposits Rank
($m) Change 2007
ROE
AB300
Rank
2007
China 753.8%
45
Australia 120.3%
287
Australia 113.5%
219
New Zealand
53.9%
97
MCB Bank
Pakistan
45.6%
274
6
Pakistan
37.5%
216
7
Pakistan
37.3%
251
142
8
Citibank (Malaysia)
Malaysia
37.1%
207
India 2.44%
251
9
India
36.9%
204
10 Syndicate Bank
India 2.27%
221
10 Resona Holdings
Japan
36.4%
11
11 ICICI Bank
India 2.25%
261
11 Habib Bank
Pakistan
32.4%
221
12 Mega International Commercial Bank
Taiwan 2.18%
240
12 Hang Seng Bank
Hong Kong
29.0%
37
13 Shinsei Bank
Japan 2.01%
205
13 HSBC Bank (Malaysia)
Malaysia
28.5%
194
14 HSBC (India)
India 1.98%
37
14 Bank Rakyat Indonesia
Indonesia
28.2%
159
India 1.94%
228
India
28.1%
148
Philippines 1.91%
189
16 Macquarie Bank
Australia
27.1%
28
17 Bumiputra-Commerce Holdings
Malaysia 1.89%
298
17 Bank of Nanjing
China
26.8%
246
Australia 1.84%
187
18 Standard Chartered Bank (Malaysia)
Malaysia
26.6%
202
India 1.81%
188
19 Industrial Bank
China
26.2%
43
China 1.81%
83
20 Indian Bank
India
25.5%
184
16 Banco de Oro-EPCI
19 Vijaya Bank
20 Evergrowing Bank
ISSUE 72
The Asian Banker
49
9/17/07 11:46:39 AM
Highest Non-Interest Income to
Total Operating Income Ratio
Lowest Cost to Income Ratio
Country
ROE
AB300
Rank
2007
1
MCB Bank
Pakistan 26.4%
274
1
Sonali Bank
2
Australia 28.5%
219
2
3
Hang Seng Bank
Hong Kong 28.9%
37
3
Macquarie Bank
4
Taiwan 29.4%
167
4
5
Hong Kong 29.5%
189
6
India 30.0%
7
8
9
10 Wing Lung Bank
11 National Bank of Pakistan
Country
ROE
AB300
Rank
2007
Bangladesh 88.6%
284
Taiwan 88.2%
233
Australia 85.6%
28
Shinsei Bank
Japan 78.1%
38
5
Bank of Taiwan
Taiwan 72.7%
39
204
6
Japan 70.9%
24
China 30.4%
300
7
ICICI Bank
India 69.0%
34
Vietnam 30.4%
211
8
Kotak Mahindra Bank
India 69.0%
261
Norinchukin Bank
Hong Kong 30.9%
26
9
Hong Kong 31.7%
205
10 BIMB Holdings
8
Japan 67.9%
Malaysia 63.9%
289
57
Pakistan 32.2%
216
11 Aozora Bank
Japan 62.0%
12 Bank of Shanghai
China 32.7%
90
12 Sumitomo Mitsui Financial Group
Japan 60.1%
13 Bank of Beijing
China 32.9%
106
13 Philippine National Bank
14 United Overseas Bank (Malaysia)
Malaysia 33.0%
229
14 Suncorp-Metway
15 Bank Kerjasama Rakyat Malaysia
Malaysia 33.9%
240
15 Mitsubishi UFJ Financial Group
Japan 54.1%
1
Taiwan 34.1%
233
16 Ogaki Kyoritsu Bank
Japan 53.8%
101
Taiwan 53.4%
167
Australia 53.1%
287
16 China Development Industrial Bank
17 Tianjin City Commercial Bank
18 Public Bank
19 Industrial and Commercial Bank of China (Asia)
Australia 57.7%
72
China 34.5%
231
17 Shanghai Commercial & Savings Bank
73
18 Deutsche Bank (Australia)
Hong Kong 35.4%
149
19 Mizuho Financial Group
Japan 52.3%
2
China 35.5%
262
20 Hachijuni Bank
Japan 52.1%
62
Lowest Gross NPL Ratio
1
288
Malaysia 34.6%
20 Dongguan City Commercial Bank
4
Philippines 59.9%
Highest Capital Adequacy Ratio
Country
ROE
AB300
Rank
2007
Country
ROE
AB300
Rank
2007
Australia 0.02%
188
1
Taiwan 33.1%
233
Australia 0.05%
192
2
Bank Pan Indonesia
Indonesia 31.7%
298
New Zealand 0.09%
89
3
Bank Mandiri
Indonesia 25.3%
105
Australia 0.10%
145
4
Hong Kong 24.6%
291
Japan 0.10%
255
5
Indonesia 23.3%
271
St. George Bank
Australia 0.11%
42
6
Indonesia 22.4%
228
7
Bendigo Bank
Australia 0.12%
198
7
Bank Central Asia
Indonesia 22.2%
142
8
Australia 0.13%
12
8
Hong Kong 22.0%
189
9
ANZ National Bank
New Zealand 0.17%
49
9
Malaysia 21.6%
240
India 0.20%
261
10 Land Bank of the Philippines
Philippines 21.4%
245
New Zealand 0.21%
97
11 Rizal Commercial Banking
Philippines 20.3%
296
Australia 0.22%
14
12 Shinkin Central Bank
Japan 0.24%
15
13 Philippine National Bank
2
Bank of Queensland
3
Bank of New Zealand
4
Adelaide Bank
5
Sony Bank
6
10 Kotak Mahindra Bank
11 Westpac Banking Corporation (New Zealand)
13 Shinkin Central Bank
14 ASB Bank
Japan 20.1%
15
Philippines 19.6%
288
New Zealand 0.25%
111
14 MCB Bank
Pakistan 19.1%
274
15 Suncorp-Metway
Australia 0.26%
72
15 Bank Rakyat Indonesia
Indonesia 18.8%
159
16 Australia and New Zealand Banking Group
Australia 0.27%
13
16 Metropolitan Bank & Trust
Philippines 17.7%
181
17 Macquarie Bank
Australia 0.28%
28
17 Hong Leong Bank
Malaysia 17.5%
165
18 National Australia Bank
Australia 0.35%
10
18 United Overseas Bank (Thailand)
Thailand 17.4%
280
Hong Kong 0.39%
63
19 National Bank of Pakistan
Pakistan 17.0%
216
Australia 0.41%
286
20 Fubon Bank (Hong Kong)
Hong Kong 17.0%
254
19 Standard Chartered Bank (Hong Kong)
20 AMP Bank
50
The Asian Banker
ISSUE 72
9/17/07 11:46:41 AM
List of Asia Pacific’s Strongest Banks
Name
AB300
Rank
Strength
Rank
Strength
Rank
(in the country)
Australia
2
5
7
8
14
24
29
91
100
121
121
127
145
157
245
1
2
3
4
5
6
7
8
9
10
10
12
13
14
15
284
283
1
25
36
7
33
5
35
16
90
3
43
300
55
258
246
249
281
215
45
262
267
295
106
294
93
231
157
285
6
140
69
13
26
45
47
51
53
66
74
77
90
91
100
114
124
124
134
143
163
168
173
196
198
198
202
214
227
229
237
243
254
1
2
3
4
5
6
7
8
9
10
11
12
13
14
14
16
17
18
19
20
21
22
22
24
25
26
27
28
29
30
9
Hang Seng Bank
37
1
4
1
2
14
10
12
Australia and New Zealand Banking Group 13
Macquarie Bank
28
Suncorp-Metway
72
St. George Bank
42
Bank of Queensland
192
287
85
Bendigo Bank
198
188
219
Adelaide Bank
145
AMP Bank
286
Bangladesh
Sonali Bank
China
Bank of China
China CITIC Bank
Bank of Shanghai
Industrial Bank
Hua Xia Bank
Bank of Nanjing
Bank of Ningbo
Huishang Bank
Evergrowing Bank
Bank of Beijing
China Zheshang Bank
Name
Hong Kong
Bank of East Asia
Dah Sing Bank
Wing Lung Bank
Wing Hang Bank
CITIC Ka Wah Bank
Chong Hing Bank
Strength
Rank
Strength
Rank
81
26
63
185
149
205
168
196
189
110
254
236
291
5
16
16
19
20
25
28
35
38
58
58
70
134
3
4
5
6
7
8
9
10
11
12
12
14
15
136
34
163
79
218
80
187
18
138
184
96
148
206
273
123
204
99
261
162
190
172
230
223
130
222
260
250
161
18
26
33
34
38
41
45
47
49
60
62
64
68
68
79
87
89
95
127
132
134
161
174
179
179
179
183
221
1
2
3
4
5
6
7
8
9
10
11
12
13
13
15
16
17
18
19
20
21
22
23
24
24
24
27
28
142
159
228
298
283
271
105
150
20
70
104
104
127
162
166
185
1
2
3
3
5
6
7
8
(in the country)
India
HDFC Bank
ICICI Bank
AXIS Bank
Canara Bank
Citibank (India)
HSBC (India)
State Bank of India
Syndicate Bank
Indian Bank
Bank of Baroda
Andhra Bank
Federal Bank
Union Bank of India
Bank of India
Kotak Mahindra Bank
Corporation Bank
Allahabad Bank
Bank of Maharashtra
Vijaya Bank
Dena Bank
UCO Bank
Indonesia
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Central Asia
Rakyat Indonesia
Danamon Indonesia
Pan Indonesia
Niaga
Internasional Indonesia
Mandiri
Negara Indonesia
ISSUE 72
AB300
Rank
The Asian Banker
51
9/17/07 11:46:44 AM
Name
AB300
Rank
Strength
Rank
Strength
Rank
(in the country)
Japan
Norinchukin Bank
Aozora Bank
Hachijuni Bank
Shizuoka Bank
Rokinren Bank
Shinsei Bank
Bank of Fukuoka
Chugoku Bank
Hiroshima Bank
Daishi Bank
Kagoshima Bank
Joyo Bank
Bank of Kyoto
77 Bank (The)
Gunma Bank
Iyo Bank
Musashino Bank
Shiga Bank
Bank of Ikeda
Resona Holdings
Chiba Bank
San-In Godo Bank
Higo Bank
Bank of Yokohama
Tokyo Star Bank
Hokkoku Bank
MIE Bank
Ogaki Kyoritsu Bank
Hyakugo Bank
Ashikaga Bank
Shoko Chukin Bank
Tochigi Bank
Yamaguchi Bank
Suruga Bank
Nanto Bank
Senshu Bank
Akita Bank
Miyazaki Bank
Juroku Bank
Chiba Kogyo Bank
Shonai Bank
Minato Bank
Yamagata Bank
Daisan Bank
Okinawa Kaiho Bank
52
The Asian Banker
8
57
62
15
46
82
20
38
24
48
66
61
86
1
95
113
50
59
118
70
53
64
76
108
88
127
11
40
103
104
4
32
41
2
178
114
183
101
92
83
31
144
77
117
78
156
147
232
171
87
158
247
125
174
177
293
14
30
35
54
60
79
85
85
87
95
104
107
107
110
110
110
114
114
114
124
127
132
134
138
140
143
145
145
145
145
150
151
151
154
159
164
164
168
175
178
183
185
187
188
191
191
193
195
196
205
205
207
209
209
209
209
Name
1
2
3
4
5
6
7
7
9
10
11
12
12
14
14
14
17
17
17
20
21
22
23
24
25
26
27
27
27
27
31
32
32
34
35
36
36
38
39
40
41
42
43
44
45
45
47
48
49
50
50
52
53
53
53
53
Bank of Nagoya
Tottori Bank
Keiyo Bank
Bank of Iwate
Bank of Okinawa
Aichi Bank
Tajima Bank
Toho Bank
Bank of the Ryukyus
Tokyo Tomin Bank
Fukushima Bank
Kiyo Bank
Yamanashi Chuo Bank
Awa Bank
Hokuetsu Bank
Oita Bank
Nagano Bank
Tokushima Bank
Tohoku Bank
Taiko Bank
Sony Bank
Hyakujushi Bank
Chikuho Bank
Chukyo Bank
Kita-Nippon Bank
Tomato Bank
Aomori Bank
Shimizu Bank
Eighteenth Bank
Fukui Bank
Kagawa Bank
Higashi-Nippon Bank
Biwako Bank
Bank of Kochi
Kanto Tsukuba Bank
Michinoku Bank
Gifu Bank
Yachiyo Bank
Bank of Saga
Shikoku Bank
Ehime Bank
Momiji Holdings
Minami-Nippon Bank
Sendai Bank
Miyazaki Taiyo Bank
Hokuto Bank
Daito Bank
Saikyo Bank
Towa Bank
Ibaraki Bank
AB300
Rank
Strength
Rank
Strength
Rank
115
256
120
139
193
132
253
121
186
133
278
109
129
131
155
128
243
220
279
214
255
102
290
179
224
54
252
152
200
146
153
210
173
227
241
209
170
257
160
166
137
180
126
275
259
292
141
226
277
265
203
176
263
214
214
217
217
220
221
221
224
224
226
227
229
229
229
233
234
235
238
238
240
240
243
248
249
249
251
251
254
257
260
261
261
264
264
266
267
268
269
270
271
273
273
276
276
278
281
285
287
288
289
291
292
296
57
57
59
59
61
62
62
64
64
66
67
68
68
68
71
72
73
74
74
76
76
78
79
80
80
82
82
84
85
86
87
87
89
89
91
92
93
94
95
96
97
97
99
99
101
102
103
104
105
106
107
108
109
52
73
11
11
1
1
(in the country)
Malaysia
Maybank
Public Bank
ISSUE 72
9/17/07 11:46:44 AM
Name
AB300
Rank
Strength
Rank
71
194
240
112
143
165
202
229
217
207
199
235
242
289
22
23
30
64
75
76
84
95
110
121
160
198
202
294
3
4
5
6
7
8
9
10
11
12
13
14
15
16
89
111
49
97
35
41
100
107
1
2
3
4
274
216
251
221
297
93
93
140
175
251
1
1
3
4
5
266
181
191
296
245
288
57
78
114
127
166
171
1
2
3
4
5
6
30
22
29
3
8
10
1
2
3
19
23
21
44
154
27
17
124
122
51
175
32
49
51
56
62
70
79
82
114
138
140
1
2
3
4
5
6
7
8
9
10
11
RHB Bank
AMMB Holdings
Hong Leong Bank
Citibank (Malaysia)
EON Bank
Affin Bank
Alliance Bank
BIMB Holdings
Strength
Rank
Pakistan
MCB Bank
Habib Bank
Bank Alfalah
Philippines
Banco de Oro-EPCI
Singapore
DBS Group Holdings
South Korea
Woori Bank
Hana Bank
Shinhan Bank
Korea Exchange Bank
Kyongnam Bank
Kookmin Bank
Pusan Bank
Daegu Bank
Kwangju Bank
AB300
Rank
Strength
Rank
164
268
60
151
193
213
12
13
14
167
39
100
233
58
47
56
84
94
68
65
67
75
197
134
201
299
208
182
119
212
239
98
237
270
213
272
234
238
276
225
264
244
38
41
41
54
66
82
114
157
168
171
175
188
188
202
207
235
240
245
254
259
261
272
275
278
278
282
283
290
294
297
298
299
300
1
2
2
4
5
6
7
8
9
10
11
12
12
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
74
107
282
116
91
195
151
280
135
269
70
95
95
103
155
217
245
258
285
292
1
2
2
4
5
6
7
8
9
10
211
Industrial and Commercial Bank of Vietnam 248
Vietnam Bank for Agriculture and Rural Development 169
155
179
198
1
2
3
(in the country)
New Zealand
Bank of New Zealand
ASB Bank
ANZ National Bank
Name
Suhyup Bank
Jeonbuk Bank
Citibank Korea
(in the country)
Taiwan
Bank of Taiwan
Bank SinoPac
Land Bank of Taiwan
Cathay United Bank
Ta Chong Bank
Bank of Kaohsiung
Sunny Bank
King's Town Bank
Fuhwa Bank
Bank of Panhsin
Chinese Bank
Cosmos Bank
Thailand
Bangkok Bank
Kasikornbank
Krung Thai Bank
Siam City Bank
Bank of Ayudhya
TMB Bank
Bankthai
Vietnam
ISSUE 72
Strength
Rank
The Asian Banker
53
9/17/07 11:46:45 AM
The big boys
flex their muscles
Banks from developed markets are this year’s strongest,
as they leverage capital and business processes from home
countries to expand in the region
By Benny Zhang
B
anks from Hong Kong,
Singapore and Australia
once again claimed the
top positions in the
AB300 strength ranking. Hongkong and Shanghai Banking Corporation (HSBC) took top
honours. Hong Kong also had eleven
banks in the top 50, outperforming all
regional peers. Australia’s ‘four pillar’
banks—ANZ, Westpac, National Aus54
The Asian Banker
What is the AB300 strength ranking?
Fine tuned over the past four years, the AB300 strength ranking measures a
bank’s scale, balance sheet growth, risk profile, profitability and asset quality
using eleven key indicators: asset size; year-on-year growth in loans, deposits
and operating profit; risk index; capital adequacy ratio; return on assets; costto-income ratio; non-interest income as a percentage of total income; bad loan
coverage ratio and non-performing loan ratio. Each indicator’s importance
is weighted on a scale of 0 to 5. We invite leading global practitioners and
academics to review weightings and calibrations annually to ensure accuracy
and fairness.
ISSUE 72
9/17/07 11:46:45 AM
no Indian banks broke into the top
ten, nine of the country’s banks made
it into the top 50, second only to
Hong Kong’s eleven. This is no surprise given the Indian economy is in
overdrive, with buoyant consumption
and investment demand driving the
banking sector’s strong balance sheet
growth. Private lenders like HDFC
enabled them to set the pace for the
whole banking industry. Moreover,
abundant capital and stable operation of core businesses in their home
markets have enabled many of them
to replicate success beyond their traditional borders.
India was another over-achiever in
this year’s strength ranking. Although
tralia Bank and Commonwealth Bank
Australia—and Singapore’s formidable
trio of DBS, United Overseas Bank
and Oversea-Chinese Banking Corporation dominated the top ten.
The ten strongest banks in the region are all solid franchises fueled by
a strong management culture. Their
exceptional pricing strategies have
Asia Pacific’s Strongest Banks Scorecard
Measurement range
Weight
Scale
Balance
sheet
growth
Parameters for comparison
- Scoring #
15% Assets
5
4.5
> US$100 bn US$50 - 100
4
3.5
US$35-50
US$30-35
3
US$25-30
2.5
US$20-25
2
US$15-20
1.5
1
US$10-15
US$5-10
0
0.5
< US$5 bn
na
5% YoY Growth in Loans
No. 1-25
No. 26-50
No. 51-75
No. 76-100
No. 101-125 No. 126-150 No. 151-175 No. 176-200 No. 201-225 No. 226-250 No. 251-300
5% YoY Growth in Deposits
No. 1-25
No. 26-50
No. 51-75
No. 76-100
No. 101-125 No. 126-150 No. 151-175 No. 176-200 No. 201-225 No. 226-250 No. 251-300
> 80
60 - 80
45 - 60
35 - 45
30 - 35
25 - 30
20 - 25
15 - 20
10 - 15
5 - 10
<5
10% Capital Adequacy Ratio (CAR)
> 18%
16 - 18%
14 - 16%
12 - 14%
11 - 12%
10 - 11%
9 - 10%
8 - 9%
6 - 8%
0 - 6%
< 0%
7.5% YoY Growth in Operating Profits
> 50% & L-P
40 - 50%
30 - 40%
25 - 30%
20 - 25%
15 - 20%
10 - 15%
5 - 10%
0 - 5%
< 0% &
P-L & L-L
7.5% Return on Assets Ratio (ROA)
> 1.6%
1.4 - 1.6%
1.2 - 1.4%
1.1 - 1.2%
1.0 - 1.1%
0.9 - 1.0%
0.7 - 0.9%
0.5 - 0.7%
0.3 - 0.5%
0 - 0.3%
< 0%
10% Cost to Income Ratio (CIR)
< 35%
35 - 40%
40 - 45%
45 - 50%
50 - 55%
55 - 60%
60 - 65%
65 - 70%
70 - 75%
75 - 80%
> 80%
45 - 55%
> 50%
40 - 45% &
55 - 60%
45 - 50%
35 - 40% &
60 - 65%
40 - 45%
30 - 35% &
65 - 70%
35 - 40%
25 - 30% &
70 - 75%
30 - 35%
20 - 25% &
75 - 80%
25 - 30%
15 - 20% &
80 - 85%
20 - 25%
10 - 15% &
85 - 90%
15 - 20%
5 - 10% &
90 - 95%
10 - 15%
0 - 5% &
95 - 100%
5 - 10%
na
< 5%
30 - 40%
20 - 30%
10 - 20%
< 10%
7.5 - 10.0% 10.0 - 12.5%
12.5 - 15.0%
> 15%
15% Risk Index
Risk profile
Profitability
Asset
quality
10%
Non-interest Income /
7.5%
Loan Loss Reserve /
Gross Non-performing Loans
> 100%
90 - 100%
80 - 90%
70 - 80%
60 - 70%
50 - 60%
40 - 50%
7.5%
Non-performing Loan Ratio
(NPL)
< 0.5%
0.5 - 1.0%
1.0 - 1.5%
1.5 - 2.5%
2.5 - 3.5%
3.5 - 5.0%
5.0 - 7.5%
# 5 = highest, 0 = lowest
ISSUE 72
The Asian Banker
55
9/17/07 11:46:50 AM
Banking sectors in most markets achieved better strength scores in 2007 vs 2006
4.0
3.5
3.0
2.5
2.0
1.5
Sin
ga
po
re
Ho
ng
Ko
ng
In
di
a
M
al
ay
sia
Ph
ilip
pi
ne
So
s
ut
h
Ko
re
In
a
do
ne
sia
C
hi
na
Pa
kis
ta
n
Th
ai
la
nd
Ja
pa
n
Au
str
al
ia
Vi
et
na
m
Ta
iw
an
and ICICI have been able to protect
their net interest margin and loan
quality, further improving earnings’
growth momentum.
Although nearly all markets have
achieved a better scorecard performance compared to last year, in line
with our previous assessment (page
9) that a ‘reinforced and reshaped’
banking industry in the region is
emerging through sustainable asset
book expansion and better capital adequacy, there were some exceptions.
Australia, Taiwan and Vietnam all
witnessed a marginal drop in strength
scores in this year’s report. Despite
the consistently robust performance
of Australia’s ‘four pillars’, the country’s banking sector polarized further,
leaving smaller local lenders such as
Adelaide Bank and Bendigo Bank
more vulnerable to surprises because
of worsening operational efficiencies
and net interest margins.
Vietnam’s three state-owned banks’
failure to replenish their capital base to
sustain the credit growth experienced
in previous years proved to be a major
drag on revenue and
net profit growth.
Taiwan’s banking sector was still
struggling with the
aftermath of the
c re d i t a n d c a s h
card crisis. Banks
with the highest
unsecured lending exposure suffered most in their
strength scores.
Nevertheless, a positive by-product
of the post-credit crisis is the banking industry’s gradual move toward
consolidation. Banks who survived
the credit crunch with intact business operations are now prepared to
engage in mergers and acquisitions
(M&A), which has boosted strength
2007
scores. In fact, two of this year’s most
improved strength scores were from
Taiwan—Bank SinoPac, who acquired
International Bank of Taipei, and Taiwan Cooperative Bank, who took over
Farmers Bank of Taiwan.
Malaysia’s Bumiputra-Commerce
Holdings also improved its strength
score more than the competition.
It achieved significant inorganic
growth through last
year’s acquisition
of Southern Bank.
Management was
active in rebranding branches, integrating Southern
Bank’s operations
and restructuring
its corporate structure, which led to
higher than expected bottom line
growth, helping the bank’s strength
ranking jump 130 places to number 22
in the region, albeit lower than its two
giant domestic peers Public Bank and
Maybank, who tied for eleventh.
Indian lenders such as Bank of
Maharashtra and Federal Bank, and
“There will be
difficulties for
some banks going
forward but most
business models
have improved”
56
The Asian Banker
2006
Japanese lenders such as Hachijuni
Bank and Hiroshima Bank, made
notable improvements in terms of
strength. They performed better in
nearly all aspects of the scorecard without relying on merger and acquisitions
activities to boost growth.
Overall, Asia’s banks are maturing. There will be difficulties for
some banks going forward, but most
business models have improved. In
the past, single business lines such as
lending and deposit taking were the
mainstay of many banks’ portfolios,
but over-reliance damaged profitability when tough market conditions
struck. Now diversification is helping
banks reduce dependence on these
traditional business lines. For example,
banks in China recognise the need to
diversify service in order to attract and
retain different customer segments.
Nevertheless Asia’s banks are still
playing catch-up with their westernbased rivals, who have developed
services over time.
Still, regional expansion and the
growth of Asia is also an underlying factor helping banks stand tall. The future
for bank franchises looks bright.
ISSUE 72
9/18/07 11:45:25 AM
ISSUE 72
The Asian Banker
57
9/17/07 11:46:55 AM
1 to 50
Strength AB300
Rank Rank Commercial Bank
2007
2007
1
9
2
14
3
30
4
37
Hang Seng Bank
5
10
5
81
Bank of East Asia
7
12
8
Assets
Country $million Score
Loans
Deposits
Risk Index*
Change
Score
(5%)
Change
Score
(5%)
E(ROA)
(15%)
Equity-to Std. Dev. Risk
-Asset Ratio (ROA) Index
Score
(15%)
Hong Kong 406,112
5.0
4.4%
1.5
16.2%
3.5
1.5%
6.6%
0.06% 125.7
5.0
Australia 223,482
5.0
14.9%
3.5
34.7%
5.0
1.1%
5.3%
0.06% 115.0
5.0
Singapore
98,617
4.5
7.6%
2.5
16.6%
3.5
1.1%
9.6%
0.31% 34.1
3.0
Hong Kong
86,236
4.5
7.2%
2.0
14.4%
3.5
2.0%
6.7%
0.06% 140.9
5.0
Australia 361,645
5.0
20.1%
4.0
5.8%
2.0
1.0%
5.2%
0.13% 49.2
4.0
37,920
4.0
20.8%
4.0
25.9%
4.5
1.1%
9.1%
0.24% 42.4
3.5
Australia 273,963
5.0
13.5%
3.0
16.2%
3.5
1.0%
5.5%
0.14% 45.2
4.0
13
Australia 250,482
5.0
9.9%
2.5
8.7%
2.5
1.3%
5.8%
0.10% 73.1
4.5
8
22
DBS Group Holdings
Singapore 128,715
5.0
7.2%
2.0
11.2%
3.0
0.9%
10.6%
0.33% 34.5
3.0
10
29
Singapore 105,199
5.0
15.7%
3.5
11.9%
3.0
1.2%
10.6%
0.30% 39.9
3.5
11
52
Maybank
Malaysia
61,014
4.5
9.9%
2.5
17.8%
3.5
1.3%
7.8%
0.11% 85.2
5.0
11
73
Public Bank
Malaysia
41,870
4.0
23.9%
4.0
33.0%
5.0
1.6%
5.9%
0.13% 56.5
4.0
13
25
China 119,642
5.0
22.0%
4.0
25.4%
4.5
0.6%
5.9%
0.14% 47.3
4.0
14
8
Norinchukin Bank
Japan 577,296
5.0
7.6%
2.5
-8.1%
0.0
0.3%
6.4%
0.12% 56.0
4.0
14
28
Macquarie Bank
Australia 110,557
5.0
34.5%
5.0
30.5%
5.0
1.1%
4.9%
0.17% 34.8
3.0
16
26
Hong Kong 117,778
5.0
4.1%
1.5
10.5%
3.0
1.4%
8.8%
0.34% 29.5
2.5
16
63
Hong Kong
50,401
4.5
0.4%
0.0
14.4%
3.5
1.4%
7.6%
0.28% 32.3
3.0
18
136
HDFC Bank
India
20,912
2.5
33.9%
5.0
21.3%
4.0
1.4%
7.0%
0.10% 83.9
5.0
19
185
Dah Sing Bank
Hong Kong
12,841
1.5
9.8%
2.5
14.3%
3.0
1.4%
8.8%
0.16% 61.8
4.5
20
149
Hong Kong
18,868
2.0
7.9%
2.5
27.6%
4.5
0.9%
7.2%
0.09% 92.9
5.0
20
142
Bank Central Asia
Indonesia
19,671
2.0
13.4%
3.0
18.3%
4.0
2.3%
10.2%
0.25% 50.0
4.0
22
71
Malaysia
45,218
4.0
30.7%
4.5
34.7%
5.0
0.9%
8.0%
0.17% 52.2
4.0
23
194
Malaysia
11,616
1.5
13.4%
3.0
11.1%
3.0
1.5%
6.3%
0.17% 46.1
4.0
24
72
Suncorp-Metway
Australia
42,582
4.0
7.3%
2.0
83.9%
5.0
1.4%
7.7%
0.41% 22.1
2.0
25
205
Wing Lung Bank
Hong Kong
10,953
1.5
10.8%
3.0
11.8%
3.0
1.5%
12.9%
0.31% 46.5
4.0
26
36
China
88,293
4.5
22.2%
4.0
19.7%
4.0
0.5%
3.6%
0.04% 100.5
5.0
26
34
ICICI Bank
India
90,465
4.5
35.3%
5.0
42.7%
5.0
1.1%
6.3%
0.19% 37.8
3.5
28
168
Wing Hang Bank
Hong Kong
15,744
2.0
7.3%
2.0
17.4%
3.5
1.3%
7.6%
0.12% 72.5
4.5
29
42
St. George Bank
Australia
79,822
4.5
11.7%
3.0
-25.1%
0.0
1.0%
5.0%
0.28% 21.6
2.0
30
57
Aozora Bank
Japan
55,381
4.5
12.1%
3.0
1.0%
1.0
1.3%
12.0%
0.77% 17.2
1.5
30
240
Malaysia
7,792
1.0
20.9%
4.0
16.1%
3.5
2.1%
13.3%
0.24% 63.5
4.5
32
19
Woori Bank
South Korea 181,760
5.0
33.5%
4.5
24.7%
4.5
1.3%
6.7%
0.35% 23.1
2.0
33
163
AXIS Bank
India
16,769
2.0
65.3%
5.0
49.5%
5.0
1.1%
4.4%
0.08% 68.8
4.5
34
79
Canara Bank
India
38,207
4.0
23.6%
4.0
22.8%
4.0
1.3%
6.5%
0.19% 40.2
3.5
35
196
CITIC Ka Wah Bank
Hong Kong
11,558
1.5
19.5%
4.0
11.0%
3.0
1.0%
7.9%
0.19% 47.9
4.0
35
62
Hachijuni Bank
Japan
51,592
4.5
3.6%
1.0
1.3%
1.0
0.4%
8.5%
0.13% 67.2
4.5
35
89
Bank of New Zealand
New Zealand
34,928
3.5
10.9%
3.0
14.9%
3.5
1.3%
5.7%
0.19% 36.6
3.5
38
218
Citibank (India)
India
10,385
1.5
35.0%
5.0
32.3%
5.0
1.8%
9.2%
0.19% 56.9
4.0
38
189
Hong Kong
12,085
1.5
8.2%
2.5
16.3%
3.5
1.6%
13.9%
0.32% 48.2
4.0
38
167
Taiwan
15,849
2.0
17.1%
3.5
4.4%
2.0
1.6%
11.1%
41
80
India
38,041
4.0
29.8%
4.5
12.4%
3.0
1.1%
41
111
ASB Bank
New Zealand
27,127
3.0
7.5%
2.5
14.6%
3.5
41
100
Bank SinoPac
Taiwan
32,020
3.5
83.6%
5.0
81.0%
41
39
Bank of Taiwan
Taiwan
82,807
4.5
11.1%
3.0
45
187
HSBC (India)
India
12,555
1.5
37.6%
45
7
Bank of China
China 682,071
5.0
47
18
State Bank of India
India 187,010
47
33
China CITIC Bank
49
138
Syndicate Bank
49
23
Hana Bank
Hong Kong
na
na
2.0
6.6%
0.10% 80.4
5.0
1.1%
5.9%
0.02% 307.1
5.0
5.0
0.6%
6.2%
0.23% 30.1
3.0
4.5%
2.0
0.4%
7.9%
0.24% 35.0
3.5
5.0
41.5%
5.0
1.3%
10.8%
0.46% 25.9
2.5
8.6%
2.5
9.3%
2.5
0.7%
7.8%
0.24% 35.5
3.5
5.0
30.2%
4.5
17.9%
4.0
0.9%
5.4%
0.10% 65.9
4.5
China
90,536
4.5
26.6%
4.5
20.5%
4.0
0.5%
4.5%
0.08% 65.7
4.5
India
20,481
2.5
41.7%
5.0
48.3%
5.0
1.0%
4.1%
0.10% 50.6
4.0
South Korea 121,438
5.0
28.6%
4.5
22.4%
4.0
1.0%
6.3%
0.41% 17.6
1.5
*Risk Index = [E(ROA) + Equity/Assets] / Std. Dev. (ROA) • E(ROA) is the expected return on assets, calculated as the average ROA in the past five financial years. • Std. Dev. (ROA) is the standard deviation of ROA which measures the
variability of profitability. • The Risk Index measures how much a bank’s earnings can decline until book value becomes negative. Expressed in units of standard deviations of ROA, the Risk Index gauges banks’ ability to absorb accounting losses.
58
The Asian Banker
ISSUE 72
9/17/07 11:47:54 AM
Capital Adequacy Operating Profit Return on Assets (ROA) Operating Cost Non-interest Income Loan Loss Coverage
CAR
Score
(10%)
13.5%
3.5
9.6%
2.0
15.8%
Change
Score
(7.5%)
Ratio
Score
(7.5%)
Cost to
Income
Ratio
Score NII to Total
(10%) Operating
Income
18.9%
2.5
1.46%
4.5
41.5%
4.0
44.7%
9.5%
1.5
1.10%
3.5
46.5%
3.5
38.5%
4.0
25.3%
3.5
1.49%
4.5
38.0%
4.5
13.6%
3.5
1.9%
1.0
1.98%
5.0
28.9%
10.8%
2.5
17.2%
2.5
1.13%
3.5
13.9%
3.5
50.9%
5.0
1.31%
9.7%
2.0
16.3%
2.5
10.6%
2.5
13.9%
14.5%
4.0
16.3%
Loan Quality
Aggregate Aggregate Strength Strength
Rank
Rank
2006
2007
Strength
Score Strength
(7.5%) Score 2006 Score 2007
Score Loan Loss Score
(10%) Reserve to (7.5%)
Gross NPLs
Gross
NPL Ratio
4.0
79.6%
3.5
0.8%
4.5
3.90
4.03
2
1
3.5
230.3%
5.0
0.2%
5.0
3.88
3.95
3
2
45.6%
4.5
100.9%
5.0
3.0%
3.0
3.79
3.93
7
3
5.0
35.4%
3.0
66.6%
3.0
0.5%
5.0
3.85
3.90
6
4
49.8%
3.5
41.2%
4.0
191.2%
5.0
0.4%
5.0
3.48
3.85
21
5
4.0
43.2%
4.0
38.1%
3.5
56.6%
2.5
0.7%
4.5
3.38
3.85
31
5
1.12%
3.5
46.0%
3.5
44.1%
4.0
373.3%
5.0
0.1%
5.0
3.86
3.83
4
7
2.0
1.18%
3.5
44.1%
4.0
31.6%
3.0
318.9%
5.0
0.3%
5.0
3.79
3.79
7
8
34.0%
4.0
1.29%
4.0
41.8%
4.0
32.5%
3.0
115.0%
5.0
1.8%
3.5
3.48
3.79
21
8
4.5
13.1%
2.0
1.71%
5.0
40.5%
4.0
38.6%
3.5
79.2%
3.5
4.0%
2.5
3.76
3.78
9
10
13.3%
3.5
13.8%
2.0
1.38%
4.0
39.6%
4.5
44.0%
4.0
69.8%
3.0
6.7%
2.0
3.33
3.75
33
11
14.6%
4.0
18.1%
2.5
1.38%
4.0
34.6%
5.0
33.7%
3.0
na
2.0
1.9%
3.5
3.60
3.75
14
11
11.4%
3.0
37.4%
4.0
0.85%
2.0
38.6%
4.5
14.3%
1.0
135.6%
5.0
2.1%
3.5
3.51
3.71
19
13
12.9%
3.5
253.9%
5.0
0.37%
1.0
47.1%
3.5
67.9%
5.0
70.4%
3.5
2.3%
3.5
3.29
3.65
38
14
15.5%
4.0
-28.8%
0.5
1.28%
4.0
85.7%
0.0
85.6%
5.0
97.6%
4.5
0.3%
5.0
3.40
3.65
26
14
14.0%
4.0
20.4%
3.0
1.62%
5.0
30.9%
5.0
27.2%
2.5
55.5%
2.5
0.6%
4.5
3.45
3.63
24
16
14.0%
4.0
14.0%
2.0
1.66%
5.0
42.8%
4.0
29.8%
2.5
235.8%
5.0
0.4%
5.0
2.98
3.63
62
16
13.1%
3.5
41.6%
4.5
1.39%
4.0
46.8%
3.5
29.9%
2.5
na
2.0
1.3%
4.0
3.66
3.61
10
18
16.2%
4.5
39.3%
4.0
1.23%
4.0
43.0%
4.0
28.2%
2.5
131.8%
5.0
0.5%
4.5
3.40
3.59
26
19
16.1%
4.5
42.9%
4.5
0.95%
2.5
35.4%
4.5
31.0%
3.0
48.2%
2.0
1.2%
4.0
3.53
3.58
18
20
22.2%
5.0
23.0%
3.0
2.60%
5.0
43.7%
4.0
19.0%
1.5
217.4%
5.0
1.3%
4.0
2.91
3.58
66
20
13.6%
3.5
29.5%
3.5
1.18%
3.5
52.4%
3.0
40.2%
4.0
57.5%
2.5
8.9%
1.5
2.44
3.55
152
22
10.9%
2.5
41.3%
4.5
1.77%
5.0
45.3%
3.5
48.6%
4.5
119.8%
5.0
2.2%
3.5
3.24
3.53
40
23
12.3%
3.5
-30.0%
0.5
1.67%
5.0
58.8%
2.5
57.7%
5.0
125.3%
5.0
0.3%
5.0
3.54
3.51
17
24
16.0%
4.5
27.9%
3.5
2.01%
5.0
31.7%
5.0
34.3%
3.0
33.8%
1.5
0.5%
5.0
3.30
3.50
36
25
9.3%
2.0
27.4%
3.5
0.53%
1.5
41.4%
4.0
6.0%
0.5
152.7%
5.0
1.8%
3.5
3.20
3.49
43
26
11.7%
3.0
43.2%
4.5
0.78%
2.0
76.2%
0.5
69.0%
5.0
58.4%
2.5
2.0%
3.5
3.86
3.49
4
26
15.2%
4.0
17.0%
2.5
1.47%
4.5
35.8%
4.5
28.9%
2.5
73.0%
3.5
0.6%
4.5
3.40
3.48
26
28
10.8%
2.5
119.9%
5.0
1.11%
3.5
44.9%
4.0
31.3%
3.0
347.7%
5.0
0.1%
5.0
3.65
3.46
11
29
16.0%
4.5
-2.8%
0.5
1.31%
4.0
45.5%
3.5
62.0%
5.0
189.4%
5.0
1.0%
4.5
3.65
3.45
11
30
21.6%
5.0
22.4%
3.0
2.18%
5.0
33.9%
5.0
8.2%
0.5
101.4%
5.0
2.9%
3.0
na
3.45
na
30
11.6%
3.0
12.2%
2.0
1.10%
3.5
49.5%
3.5
15.9%
1.5
148.2%
5.0
1.0%
4.5
3.16
3.43
46
32
11.6%
3.0
37.2%
4.0
1.07%
3.0
47.1%
3.5
39.3%
3.5
36.4%
1.5
1.1%
4.0
3.58
3.41
15
33
13.5%
3.5
16.6%
2.5
1.02%
3.0
46.2%
3.5
30.4%
3.0
na
2.0
1.5%
4.0
3.15
3.39
48
34
16.8%
4.5
39.8%
4.0
1.07%
3.0
48.1%
3.5
52.0%
5.0
38.9%
1.5
1.7%
3.5
2.46
3.38
145
35
13.6%
3.5
51.6%
5.0
0.41%
1.0
58.6%
2.5
52.1%
5.0
50.2%
2.5
5.0%
2.5
2.49
3.38
140
35
11.7%
3.0
20.9%
3.0
1.28%
4.0
47.8%
3.5
31.8%
3.0
na
2.0
0.1%
5.0
3.55
3.38
16
35
11.3%
3.0
33.8%
4.0
1.78%
5.0
49.3%
3.5
33.4%
3.0
40.4%
2.0
1.6%
3.5
2.89
3.36
68
38
22.0%
5.0
14.3%
2.0
1.91%
5.0
29.5%
5.0
34.6%
3.0
35.2%
1.5
1.2%
4.0
3.44
3.36
25
38
10.3%
2.5
17.1%
2.5
1.63%
5.0
29.4%
5.0
53.4%
5.0
125.8%
5.0
1.2%
4.0
3.15
3.36
48
38
12.3%
3.5
10.1%
2.0
0.99%
2.5
50.6%
3.0
15.0%
1.5
78.6%
3.5
3.5%
3.0
3.05
3.35
58
41
10.6%
2.5
11.4%
2.0
1.06%
3.0
43.8%
4.0
30.0%
3.0
na
2.0
0.3%
5.0
3.64
3.35
13
41
12.4%
3.5
125.0%
5.0
0.31%
1.0
52.0%
3.0
27.5%
2.5
64.5%
3.0
1.5%
4.0
2.44
3.35
152
41
12.9%
3.5
1224.0%
5.0
0.41%
1.0
88.5%
0.0
72.7%
5.0
84.9%
4.0
1.1%
4.0
2.80
3.35
80
41
11.1%
3.0
52.0%
5.0
1.84%
5.0
45.5%
3.5
34.0%
3.0
75.0%
3.5
1.7%
3.5
3.50
3.33
20
45
13.6%
3.5
19.3%
2.5
0.94%
2.5
42.2%
4.0
17.0%
1.5
91.3%
4.5
4.2%
2.5
2.85
3.33
72
45
12.4%
3.5
-6.3%
0.5
0.88%
2.0
58.2%
2.5
32.4%
3.0
na
2.0
2.6%
3.0
3.25
3.31
39
47
9.4%
2.0
29.8%
3.5
0.57%
1.5
45.5%
3.5
7.6%
0.5
84.6%
4.0
2.5%
3.5
2.60
3.31
125
47
11.7%
3.0
36.4%
4.0
0.95%
2.5
49.5%
3.5
23.3%
2.0
72.8%
3.5
3.0%
3.0
2.63
3.30
118
49
11.9%
3.0
27.6%
3.5
1.01%
3.0
47.4%
3.5
8.6%
0.5
174.8%
5.0
0.7%
4.5
2.84
3.30
75
49
ISSUE 72
The Asian Banker
59
9/17/07 11:47:57 AM
51 to 100
Strength AB300
2007
2007
Assets
Loans
Deposits
Change
Score
(5%)
(15%)
Risk Index*
Change
Score
(5%)
E(ROA)
Equity-to Std. Dev.
-Asset Ratio (ROA)
Risk
Index
Score
(15%)
China 697,856
5.0
16.7%
3.5
19.1%
4.0
0.9%
6.1%
0.35%
19.6
1.5
South Korea 169,957
5.0
152.9%
5.0
129.8%
5.0
0.1%
6.1%
1.24%
5.0
0.5
89,715
4.5
18.5%
3.5
23.2%
4.5
0.5%
2.8%
0.06%
53.1
4.0
Japan 220,721
5.0
-6.6%
0.0
-5.1%
0.0
0.2%
3.6%
0.01% 308.6
5.0
233
Taiwan
8,439
1.0
18.7%
4.0
50.5%
5.0
1.1%
56.7%
5.31%
10.9
1.0
56
44
Korea Exchange Bank
South Korea
77,006
4.5
17.0%
3.5
3.6%
2.0
0.7%
9.0%
1.84%
5.2
0.5
57
266
Banco de Oro-EPCI
Philippines
6,214
1.0
21.6%
4.0
35.1%
5.0
1.1%
8.0%
0.06% 145.7
5.0
58
110
Hong Kong
27,337
3.0
6.1%
2.0
15.9%
3.5
1.5%
7.4%
0.53%
16.8
1.5
58
254
Hong Kong
6,876
1.0
20.5%
4.0
0.4%
0.5
0.6%
7.5%
0.14%
59.0
4.0
60
184
Indian Bank
India
12,893
1.5
29.6%
4.5
14.9%
3.5
1.1%
7.0%
0.36%
22.7
2.0
60
46
Shizuoka Bank
Japan
73,325
4.5
6.9%
2.0
-0.2%
0.5
0.4%
9.0%
0.12%
77.7
4.5
62
96
Bank of Baroda
India
32,839
3.5
39.6%
5.0
28.0%
4.5
0.9%
6.0%
0.19%
35.8
3.5
62
154
Kyongnam Bank
South Korea
17,821
2.0
26.0%
4.5
12.6%
3.0
0.9%
4.8%
0.09%
64.7
4.5
64
148
India
18,871
2.0
35.4%
5.0
39.7%
5.0
1.3%
4.9%
0.15%
39.7
3.5
64
112
RHB Bank
Malaysia
26,949
3.0
10.7%
3.0
13.5%
3.0
0.6%
6.4%
0.12%
59.1
4.0
66
16
China 220,235
5.0
20.0%
4.0
21.5%
4.0
0.6%
5.3%
0.24%
23.9
2.0
66
58
68
273
68
51
5
51
21
Shinhan Bank
53
35
China
54
15
54
Taiwan
55,273
4.5
na
2.0
na
2.0
na
8.3%
na
na
2.0
Federal Bank
India
5,756
1.0
26.9%
4.5
20.9%
4.0
1.0%
6.0%
0.28%
25.0
2.5
206
Andhra Bank
India
10,904
1.5
26.2%
4.5
21.6%
4.0
1.6%
6.6%
0.27%
29.8
2.5
70
159
Indonesia
17,215
2.0
19.2%
4.0
28.6%
4.5
2.9%
10.9%
0.66%
21.0
2.0
70
27
South Korea 114,051
5.0
21.5%
4.0
1.2%
1.0
0.8%
5.7%
0.33%
19.6
1.5
70
236
Chong Hing Bank
70
74
Bangkok Bank
74
90
Bank of Shanghai
75
143
76
165
77
3
78
181
79
123
Union Bank of India
79
82
Rokinren Bank
79
17
82
Hong Kong
8,124
1.0
10.9%
3.0
26.1%
4.5
0.8%
9.4%
0.05% 210.8
5.0
Thailand
41,710
4.0
7.2%
2.0
5.9%
2.0
1.1%
9.8%
0.38%
28.4
2.5
China
34,588
3.5
4.3%
1.5
12.1%
3.0
0.6%
4.7%
0.06%
84.4
5.0
AMMB Holdings
Malaysia
19,660
2.0
11.9%
3.0
18.8%
4.0
0.6%
8.5%
0.09%
96.4
5.0
Hong Leong Bank
Malaysia
16,490
2.0
11.9%
3.0
4.7%
2.0
1.1%
7.2%
0.21%
38.7
3.5
China 961,783
5.0
10.2%
2.5
13.3%
3.0
0.5%
6.3%
0.23%
29.8
2.5
Philippines
13,242
1.5
5.6%
2.0
9.3%
2.5
0.8%
10.1%
0.15%
71.2
4.5
India
23,555
2.5
16.9%
3.5
14.5%
3.5
1.1%
5.1%
0.19%
31.4
3.0
Japan
36,768
4.0
15.7%
3.5
1.3%
1.0
0.2%
5.0%
0.03% 192.0
5.0
Kookmin Bank
South Korea 214,286
5.0
10.5%
3.0
3.0%
1.5
0.6%
7.6%
0.70%
11.7
1.0
124
Pusan Bank
South Korea
23,384
2.5
22.1%
4.0
9.3%
2.5
0.9%
5.9%
0.12%
55.7
4.0
82
47
Taiwan
72,711
4.5
34.5%
5.0
17.7%
3.5
0.2%
4.1%
0.15%
28.0
2.5
84
202
Malaysia
11,085
1.5
-1.3%
0.0
12.0%
3.0
1.3%
4.6%
0.09%
68.5
4.5
85
38
Shinsei Bank
Japan
85,604
4.5
26.8%
4.5
41.9%
5.0
0.7%
9.2%
0.64%
15.4
1.5
85
20
Japan 170,702
5.0
2.7%
1.0
-0.3%
0.0
0.3%
5.9%
0.35%
17.6
1.5
87
204
11,054
1.5
20.6%
4.0
30.3%
5.0
1.8%
9.5%
1.34%
8.4
0.5
87
24
Japan 120,212
5.0
-3.9%
0.0
4.0%
2.0
0.4%
8.0%
0.62%
13.6
1.0
89
99
Bank of India
India
32,483
3.5
30.3%
4.5
26.3%
4.5
0.9%
4.1%
0.36%
14.0
1.0
90
43
Industrial Bank
China
79,117
4.5
34.0%
5.0
25.8%
4.5
0.5%
2.6%
0.15%
20.4
2.0
91
192
Bank of Queensland
Australia
11,784
1.5
20.8%
4.0
14.4%
3.5
0.7%
5.1%
0.06% 104.1
5.0
91
300
China
4,487
0.5
27.2%
4.5
17.5%
3.5
0.2%
2.8%
0.09%
34.5
3.0
93
274
MCB Bank
Pakistan
5,649
1.0
9.9%
2.5
9.5%
3.0
2.0%
10.6%
1.51%
8.3
0.5
93
216
Pakistan
10,455
1.5
17.6%
3.5
8.8%
2.5
1.5%
8.4%
0.95%
10.4
1.0
95
282
Thailand
5,190
1.0
-4.1%
0.0
-9.0%
0.0
1.3%
10.3%
0.45%
25.8
2.5
95
261
Kotak Mahindra Bank
India
6,568
1.0
49.5%
5.0
72.1%
5.0
2.5%
11.4%
0.73%
18.9
1.5
95
48
Bank of Fukuoka
Japan
67,332
4.5
5.2%
2.0
1.4%
1.0
0.3%
6.3%
0.13%
50.8
4.0
95
229
Malaysia
9,070
1.0
17.6%
3.5
1.5%
1.5
1.5%
7.5%
0.24%
37.3
3.5
95
107
Thailand
28,808
3.0
24.8%
4.5
28.3%
4.5
1.3%
9.1%
1.75%
5.9
0.5
100
49
ANZ National Bank
New Zealand
65,308
4.5
12.9%
3.0
15.1%
3.5
1.1%
6.6%
0.46%
16.7
1.5
India
60
The Asian Banker
ISSUE 72
9/17/07 11:47:59 AM
Loan Quality
Rank
Rank
2006
2007
Strength
Gross
Score Strength
NPL Ratio (7.5%) Score 2006 Score 2007
CAR
Score
(10%)
Change
Score
(7.5%)
Ratio
Score
(7.5%)
Cost to
Income
Ratio
Score NII to Total
(10%) Operating
Income
12.1%
3.5
22.8%
3.0
0.92%
2.5
38.3%
4.5
na
2.0
82.2%
4.0
3.3%
3.0
3.08
3.29
52
51
12.0%
3.5
11.7%
2.0
1.27%
4.0
53.9%
3.0
18.6%
1.5
184.0%
5.0
0.8%
4.5
3.21
3.29
41
51
8.1%
1.5
29.4%
3.5
0.61%
1.5
49.3%
3.5
7.4%
0.5
116.6%
5.0
1.2%
4.0
3.31
3.28
34
53
20.1%
5.0
-16.5%
0.5
0.15%
0.5
59.3%
2.5
34.2%
3.0
74.1%
3.5
0.2%
5.0
3.31
3.26
34
54
33.1%
5.0
313.0%
5.0
5.83%
5.0
34.1%
5.0
88.2%
5.0
44.2%
2.0
8.5%
1.5
2.74
3.26
91
54
12.5%
3.5
20.1%
3.0
1.46%
4.5
43.7%
4.0
21.9%
2.0
206.0%
5.0
0.6%
4.5
2.90
3.25
67
56
15.9%
4.0
16.8%
2.5
1.16%
3.5
64.4%
2.0
38.2%
3.5
99.2%
4.5
5.4%
2.0
na
3.24
na
57
15.9%
4.0
33.8%
4.0
1.57%
4.5
43.7%
4.0
21.2%
2.0
93.1%
4.5
1.5%
4.0
2.69
3.23
103
58
17.0%
4.5
112.6%
5.0
0.63%
1.5
61.1%
2.0
40.3%
4.0
103.2%
5.0
0.6%
4.5
2.51
3.23
134
58
14.1%
4.0
53.7%
5.0
1.57%
4.5
47.5%
3.5
28.7%
2.5
84.4%
4.0
1.8%
3.5
2.30
3.20
177
60
14.6%
4.0
31.6%
4.0
0.46%
1.0
49.5%
3.5
33.0%
3.0
30.6%
1.5
3.5%
2.5
2.64
3.20
115
60
11.8%
3.0
18.2%
2.5
0.80%
2.0
51.4%
3.0
23.5%
2.0
76.0%
3.5
2.5%
3.5
2.85
3.19
72
62
11.3%
3.0
11.1%
2.0
1.01%
3.0
47.1%
3.5
12.0%
1.0
168.8%
5.0
0.7%
4.5
2.86
3.19
71
62
13.3%
3.5
19.5%
2.5
1.42%
4.5
47.1%
3.5
13.1%
1.0
70.3%
3.5
2.3%
3.5
2.69
3.18
103
64
12.1%
3.5
35.2%
4.0
0.71%
2.0
44.4%
4.0
29.9%
2.5
64.3%
3.0
7.4%
2.0
2.64
3.18
115
64
10.8%
2.5
31.8%
4.0
0.78%
2.0
41.4%
4.0
9.2%
0.5
93.1%
4.5
2.5%
3.0
3.39
3.16
29
66
10.3%
2.5
na
2.0
0.77%
2.0
36.6%
4.5
51.0%
5.0
na
2.0
0.7%
4.5
na
3.16
na
66
13.4%
3.5
34.8%
4.0
1.28%
4.0
39.3%
4.5
29.2%
2.5
83.7%
4.0
3.0%
3.0
2.20
3.13
188
68
11.3%
3.0
30.9%
4.0
1.22%
4.0
48.1%
3.5
26.9%
2.5
86.5%
4.0
1.4%
4.0
2.78
3.13
83
68
18.8%
5.0
33.6%
4.0
3.07%
5.0
50.0%
3.0
9.9%
0.5
154.7%
5.0
4.8%
2.5
2.45
3.11
149
70
11.7%
3.0
14.0%
2.0
1.09%
3.0
38.1%
4.5
6.8%
0.5
178.8%
5.0
0.7%
4.5
2.95
3.11
65
70
15.6%
4.0
17.7%
2.5
0.89%
2.0
49.2%
3.5
31.1%
3.0
41.5%
2.0
1.2%
4.0
2.75
3.11
88
70
14.5%
4.0
23.6%
3.0
1.24%
4.0
50.9%
3.0
33.9%
3.0
80.3%
4.0
9.3%
1.5
2.68
3.11
107
70
11.6%
3.0
13.6%
2.0
0.66%
1.5
32.7%
5.0
7.2%
0.5
75.8%
3.5
3.1%
3.0
2.70
3.10
100
74
13.9%
3.5
17.6%
2.5
0.71%
2.0
49.5%
3.5
51.7%
5.0
36.7%
1.5
13.0%
0.5
2.98
3.09
62
75
17.5%
4.5
14.1%
2.0
0.93%
2.5
37.9%
4.5
37.5%
3.5
65.8%
3.0
4.7%
2.5
2.96
3.08
64
76
14.1%
4.0
11.5%
2.0
0.71%
2.0
37.3%
4.5
8.8%
0.5
70.6%
3.5
3.8%
2.5
2.45
3.05
149
77
17.7%
4.5
25.6%
3.5
0.98%
2.5
62.2%
2.0
43.0%
4.0
79.8%
3.5
7.0%
2.0
3.00
3.04
59
78
12.8%
3.5
35.1%
4.0
0.88%
2.0
40.6%
4.0
23.2%
2.0
67.4%
3.0
2.9%
3.0
2.56
3.03
131
79
13.8%
3.5
6.8%
1.5
0.23%
0.5
59.0%
2.5
44.5%
4.0
na
2.0
na
2.0
2.73
3.03
95
79
14.2%
4.0
0.0%
1.0
1.29%
4.0
44.5%
4.0
7.4%
0.5
150.8%
5.0
1.0%
4.0
2.78
3.03
83
79
11.1%
3.0
7.7%
1.5
0.90%
2.5
51.8%
3.0
10.5%
1.0
175.8%
5.0
0.8%
4.5
2.76
3.01
86
82
10.7%
2.5
142.8%
5.0
0.42%
1.0
61.5%
2.0
19.2%
1.5
66.0%
3.0
1.8%
3.5
2.19
3.01
190
82
13.2%
3.5
12.2%
2.0
1.21%
4.0
42.8%
4.0
33.0%
3.0
78.5%
3.5
4.0%
2.5
2.75
3.00
88
84
13.1%
3.5
-24.2%
0.5
-0.47%
0.0
79.7%
0.5
78.1%
5.0
243.6%
5.0
1.3%
4.0
4.29
2.99
1
85
12.3%
3.5
-18.0%
0.5
0.40%
1.0
40.1%
4.0
51.7%
5.0
87.9%
4.0
1.0%
4.0
3.18
2.99
45
85
9.9%
2.0
112.4%
5.0
3.37%
5.0
30.0%
5.0
42.1%
4.0
na
2.0
2.8%
3.0
na
2.98
na
87
12.1%
3.5
-4.2%
0.5
0.84%
2.0
36.2%
4.5
70.9%
5.0
62.6%
3.0
1.8%
3.5
2.73
2.98
95
87
11.6%
3.0
34.9%
4.0
0.88%
2.0
49.9%
3.5
29.6%
2.5
64.5%
3.0
2.4%
3.5
2.58
2.96
129
89
8.7%
1.5
42.7%
4.5
0.70%
2.0
38.9%
4.5
2.9%
0.0
na
2.0
1.5%
3.5
3.06
2.95
56
90
12.5%
3.5
-2.9%
0.5
0.63%
1.5
64.2%
2.0
28.7%
2.5
78.1%
3.5
0.1%
5.0
2.44
2.94
152
91
na
2.0
95.9%
5.0
0.25%
0.5
30.4%
5.0
33.0%
3.0
106.8%
5.0
2.6%
3.0
2.99
2.94
61
91
19.1%
5.0
41.1%
4.5
3.90%
5.0
26.4%
5.0
16.9%
1.5
100.4%
5.0
4.1%
2.5
2.60
2.93
125
93
17.0%
4.5
34.8%
4.0
2.81%
5.0
32.2%
5.0
28.7%
2.5
89.0%
4.0
10.4%
1.0
2.74
2.93
91
93
13.0%
3.5
89.0%
5.0
1.77%
5.0
39.5%
4.5
21.2%
2.0
113.4%
5.0
2.5%
3.5
na
2.91
na
95
13.5%
3.5
17.2%
2.5
2.25%
5.0
72.4%
1.0
69.0%
5.0
47.2%
2.0
0.2%
5.0
na
2.91
na
95
11.3%
3.0
5.9%
1.5
0.44%
1.0
52.6%
3.0
26.3%
2.5
59.9%
2.5
2.4%
3.5
2.61
2.91
121
95
12.0%
3.5
14.1%
2.0
1.33%
4.0
33.0%
5.0
37.2%
3.5
53.6%
2.5
5.9%
2.0
2.80
2.91
80
95
14.4%
4.0
17.0%
2.5
1.47%
4.5
51.0%
3.0
33.9%
3.0
87.6%
4.0
8.0%
1.5
2.46
2.91
145
95
8.8%
1.5
7.7%
1.5
0.65%
1.5
57.6%
2.5
34.1%
3.0
321.7%
5.0
0.2%
5.0
3.48
2.90
21
100
(10%) Reserve to (7.5%)
Gross NPLs
ISSUE 72
The Asian Banker
61
9/17/07 11:48:00 AM
101 to 150
Strength AB300
2007
2007
Assets
Country
$million
Loans
Score
(15%)
Deposits
Change
Score
(5%)
Change
Score
(5%)
Risk Index*
E(ROA)
Equity-to Std. Dev.
-Asset Ratio (ROA)
Risk
Index
Score
(15%)
100
287
Australia
5,054 1.0
75.2%
5.0
2824.0% 5.0
na
4.4%
na
na
2.0
100
55
Hua Xia Bank
China
57,003 4.5
11.1%
3.0
25.6% 4.5
0.4%
2.6%
na
na
2.0
103
116
Kasikornbank
Thailand
26,153 3.0
9.1%
2.5
9.0% 2.5
1.6%
9.4%
0.41% 26.7
2.5
104
228
Indonesia
9,131 1.0
16.4%
3.5
24.2% 4.5
2.9%
11.8%
1.07% 13.8
1.0
104
298
Bank Pan Indonesia
Indonesia
4,508 0.5
28.4%
4.5
4.9% 2.0
2.2%
17.6%
1.38% 14.3
1.0
104
66
Chugoku Bank
Japan
48,646 4.0
3.8%
1.5
-1.7% 0.0
0.3%
7.3%
0.11% 70.7
4.5
107
86
Daishi Bank
Japan
35,552 4.0
4.1%
1.5
-0.4% 0.0
0.2%
5.9%
0.09% 71.5
4.5
107
61
Hiroshima Bank
Japan
51,939 4.5
9.3%
2.5
0.3% 0.5
0.3%
5.4%
0.06% 90.3
5.0
107
97
New Zealand
32,631 3.5
6.5%
2.0
10.6% 3.0
0.9%
2.3%
0.15% 21.6
2.0
110
1
Japan 1,502,274 5.0
-0.8%
0.0
-0.7% 0.0
0.2%
5.9%
0.46% 13.1
1.0
110
95
Japan
33,278 3.5
-2.4%
0.0
3.9% 2.0
0.1%
3.4%
0.03% 127.9
5.0
110
217
Malaysia
10,398 1.5
10.0%
2.5
20.5% 4.0
1.1%
6.0%
0.24% 29.2
2.5
110
113
Kagoshima Bank
Japan
26,448 3.0
1.4%
0.5
1.4% 1.0
0.3%
7.9%
0.08% 107.0
5.0
114
118
Japan
25,898 3.0
14.4%
3.5
15.6% 3.5
0.3%
3.5%
0.09% 41.4
3.5
114
56
Land Bank of Taiwan
Taiwan
56,672 4.5
0.8%
0.5
2.8% 1.5
0.2%
5.3%
0.14% 40.2
3.5
114
258
China
6,755 1.0
11.7%
3.0
20.3% 4.0
1.0%
5.3%
0.17% 36.4
3.5
114
59
Bank of Kyoto
Japan
54,498 4.5
7.2%
2.0
8.5% 2.5
0.3%
7.5%
0.15% 51.9
4.0
114
50
Joyo Bank
Japan
62,924 4.5
0.5%
0.0
0.3% 0.5
0.3%
7.0%
0.10% 70.5
4.5
114
122
Daegu Bank
South Korea
23,908 2.5
17.0%
3.5
8.3% 2.5
0.8%
5.7%
0.20% 33.3
3.0
114
191
Philippines
11,878 1.5
6.2%
2.0
9.2% 2.5
1.5%
11.2%
0.17% 77.0
4.5
121
207
Citibank (Malaysia)
Malaysia
10,841 1.5
7.3%
2.0
1.8% 1.5
1.4%
5.1%
0.22% 29.1
2.5
121
85
Australia
36,005 4.0
27.5%
4.5
23.2% 4.5
0.6%
4.9%
0.09% 58.5
4.0
121
198
Bendigo Bank
Australia
11,279 1.5
8.6%
2.5
8.3% 2.5
0.7%
6.0%
0.06% 109.6
5.0
124
246
Bank of Nanjing
China
7,419 1.0
26.9%
4.5
22.3% 4.0
0.7%
4.5%
0.27% 19.2
1.5
124
70
77 Bank (The)
Japan
47,655 4.0
1.9%
0.5
1.5% 1.5
0.2%
6.8%
0.03% 214.6
5.0
124
249
China
7,281 1.0
26.7%
4.5
23.8% 4.5
0.8%
5.5%
0.33% 19.1
1.5
127
283
Bank Niaga
Indonesia
5,179 1.0
12.9%
3.0
12.4% 3.0
1.6%
10.3%
0.65% 18.2
1.5
127
188
Australia
12,429 1.5
8.5%
2.5
-0.1% 0.5
1.3%
10.7%
0.28% 42.9
3.5
127
162
India
16,907 2.0
31.5%
4.5
26.5% 4.5
1.3%
7.3%
0.39% 21.9
2.0
127
296
Rizal Commercial Banking Corporation
Philippines
4,567 0.5
13.4%
3.0
20.8% 4.0
0.7%
8.3%
0.21% 43.7
3.5
127
53
Japan
59,066 4.5
2.1%
0.5
-2.4% 0.0
0.3%
5.7%
0.17% 34.6
3.0
132
190
Corporation Bank
India
12,074 1.5
24.8%
4.0
27.7% 4.5
1.4%
7.2%
0.36% 23.9
2.0
132
64
Gunma Bank
Japan
49,729 4.0
0.9%
0.5
-0.4% 0.0
0.2%
6.6%
0.12% 59.1
4.0
134
281
Bank of Ningbo
China
5,221 1.0
12.6%
3.0
18.8% 4.0
0.3%
5.2%
0.25% 22.0
2.0
134
291
Hong Kong
4,755 0.5
-6.5%
0.0
-33.2% 0.0
1.3%
21.7%
0.15% 156.0
5.0
134
172
Allahabad Bank
India
15,521 2.0
41.7%
5.0
23.2% 4.5
1.2%
6.6%
0.34% 22.9
2.0
134
76
Iyo Bank
Japan
40,958 4.0
2.2%
0.5
1.5% 1.5
0.3%
8.5%
0.16% 53.7
4.0
138
108
Musashino Bank
Japan
28,163 3.0
8.2%
2.5
4.7% 2.0
0.3%
5.0%
0.08% 62.1
4.5
138
51
South Korea
61,613 4.5
-4.1%
0.0
-2.2% 0.0
0.2%
4.6%
0.15% 31.7
3.0
140
88
Shiga Bank
Japan
35,170 4.0
4.3%
1.5
2.9% 1.5
0.2%
6.9%
0.09% 78.0
4.5
140
251
Pakistan
7,175 1.0
21.2%
4.0
19.8% 4.0
1.6%
7.0%
0.61% 14.1
1.0
140
175
Kwangju Bank
South Korea
15,002 2.0
21.5%
4.0
19.3% 4.0
0.9%
4.5%
0.21% 26.1
2.5
143
127
Bank of Ikeda
Japan
22,095 2.5
6.5%
2.0
-4.5% 0.0
0.2%
4.2%
0.03% 127.5
5.0
143
215
China
10,468 1.5
4.6%
1.5
18.1% 4.0
0.3%
5.9%
0.08% 81.4
5.0
145
40
Chiba Bank
Japan
81,966 4.5
4.2%
1.5
-1.0% 0.0
0.4%
6.2%
0.19% 33.8
3.0
145
104
Higo Bank
Japan
29,835 3.0
1.5%
0.5
0.7% 0.5
0.2%
6.5%
0.08% 82.6
5.0
145
11
Resona Holdings
Japan
331,617 5.0
0.1%
0.0
-0.9% 0.0
-0.5%
5.0%
2.52%
0.0
145
103
San-In Godo Bank
Japan
30,660 3.5
-1.6%
0.0
0.8% 1.0
0.3%
7.4%
0.07% 108.3
5.0
145
219
Australia
10,124 1.5
-30.2%
0.0
144.8% 5.0
2.2%
2.5%
2.48%
1.9
0.0
150
4
Japan
825,641 5.0
2.6%
1.0
-6.9% 0.0
0.2%
5.4%
0.49% 11.5
1.0
1.8
62
The Asian Banker
ISSUE 72
9/17/07 11:48:01 AM
CAR
Score
(10%)
Change
Score
(7.5%)
Ratio
Score
(7.5%)
Cost to
Income
Ratio
Score NII to Total
(10%) Operating
Income
(10%) Reserve to (7.5%)
Gross NPLs
Loan Quality
Rank
Rank
2006
2007
Strength
Gross
Score Strength
na
2.0
L-P
5.0
3.78%
5.0
61.5%
2.0
53.1%
5.0
na
2.0
na
2.0
na
2.90
na
100
8.3%
1.5
39.2%
4.0
0.36%
1.0
42.8%
4.0
26.7%
2.5
na
2.0
2.8%
3.0
2.71
2.90
98
100
14.7%
4.0
8.3%
1.5
1.54%
4.5
48.7%
3.5
22.5%
2.0
72.3%
3.5
5.7%
2.0
2.50
2.89
137
103
22.4%
5.0
16.7%
2.5
1.94%
5.0
50.6%
3.0
22.1%
2.0
107.3%
5.0
3.2%
3.0
2.81
2.86
79
104
31.7%
5.0
79.1%
5.0
1.89%
5.0
48.0%
3.5
33.1%
3.0
82.3%
4.0
8.0%
1.5
2.33
2.86
175
104
13.7%
3.5
13.7%
2.0
0.35%
1.0
61.8%
2.0
42.0%
4.0
49.5%
2.0
3.9%
2.5
2.65
2.86
109
104
12.0%
3.5
9.0%
1.5
0.24%
0.5
51.6%
3.0
43.5%
4.0
30.6%
1.5
3.8%
2.5
2.38
2.85
162
107
10.4%
2.5
8.2%
1.5
0.35%
1.0
52.3%
3.0
23.2%
2.0
39.2%
1.5
2.7%
3.0
1.98
2.85
222
107
9.4%
2.0
-2.5%
0.5
0.91%
2.5
57.2%
2.5
39.4%
3.5
371.3%
5.0
0.2%
5.0
3.34
2.85
32
107
12.6%
3.5
6.4%
1.5
0.55%
1.5
54.3%
3.0
54.1%
5.0
85.1%
4.0
1.8%
3.5
2.65
2.84
109
110
11.0%
3.0
41.7%
4.5
0.08%
0.5
49.3%
3.5
10.4%
1.0
48.0%
2.0
4.6%
2.5
2.09
2.84
203
110
11.9%
3.0
15.1%
2.5
1.28%
4.0
38.6%
4.5
30.7%
3.0
68.4%
3.0
5.5%
2.0
2.83
2.84
77
110
13.7%
3.5
36.0%
4.0
0.32%
1.0
66.1%
1.5
36.1%
3.5
36.9%
1.5
3.1%
3.0
2.59
2.84
127
110
9.9%
2.0
30.3%
4.0
0.38%
1.0
58.3%
2.5
33.0%
3.0
39.4%
1.5
2.4%
3.5
2.38
2.83
162
114
11.4%
3.0
31.0%
4.0
0.26%
0.5
65.9%
1.5
26.7%
2.5
64.2%
3.0
1.5%
3.5
2.29
2.83
179
114
11.1%
3.0
15.6%
2.5
1.10%
3.5
64.6%
2.0
25.6%
2.5
199.2%
5.0
3.0%
3.0
na
2.83
na
114
11.7%
3.0
12.1%
2.0
0.34%
1.0
59.6%
2.5
25.7%
2.5
30.1%
1.5
3.6%
2.5
2.66
2.83
108
114
12.0%
3.5
-2.1%
0.5
0.37%
1.0
49.6%
3.5
32.8%
3.0
30.0%
1.5
3.4%
3.0
2.23
2.83
185
114
11.3%
3.0
2.7%
1.0
1.14%
3.5
51.6%
3.0
5.6%
0.5
190.0%
5.0
0.7%
4.5
2.50
2.83
137
114
15.9%
4.0
3.5%
1.0
1.65%
5.0
56.9%
2.5
34.8%
3.0
48.7%
2.0
7.4%
2.0
3.16
2.83
46
114
11.6%
3.0
6.9%
1.5
1.61%
5.0
45.6%
3.5
32.3%
3.0
101.2%
5.0
3.0%
3.0
2.36
2.81
165
121
na
2.0
17.1%
2.5
0.47%
1.0
63.8%
2.0
22.5%
2.0
na
2.0
na
2.0
3.08
2.81
52
121
10.8%
2.5
-8.6%
0.5
0.80%
2.0
71.0%
1.0
30.6%
3.0
406.7%
5.0
0.1%
5.0
3.15
2.81
48
121
11.7%
3.0
30.9%
4.0
1.17%
3.5
42.6%
4.0
11.5%
1.0
107.3%
5.0
2.5%
3.5
2.84
2.80
75
124
13.1%
3.5
21.1%
3.0
0.19%
0.5
70.1%
1.0
31.7%
3.0
41.1%
2.0
4.9%
2.5
2.43
2.80
156
124
9.5%
2.0
39.1%
4.0
1.19%
3.5
37.3%
4.5
7.9%
0.5
290.0%
5.0
0.6%
4.5
2.11
2.80
199
124
16.7%
4.5
54.8%
5.0
1.47%
4.5
50.5%
3.0
23.8%
2.0
60.1%
3.0
3.5%
3.0
2.33
2.79
175
127
na
2.0
19.5%
2.5
1.81%
5.0
56.3%
2.5
37.7%
3.5
na
2.0
0.0%
5.0
3.06
2.79
56
127
11.0%
3.0
5.8%
1.5
0.88%
2.0
44.2%
4.0
25.1%
2.5
84.2%
4.0
3.2%
3.0
2.64
2.79
115
127
20.3%
5.0
21.1%
3.0
0.93%
2.5
65.4%
1.5
41.0%
4.0
77.0%
3.5
8.2%
1.5
na
2.79
na
127
10.6%
2.5
73.7%
5.0
0.44%
1.0
59.2%
2.5
35.6%
3.5
49.8%
2.0
3.7%
2.5
2.75
2.79
88
127
13.2%
3.5
8.5%
1.5
1.11%
3.5
41.3%
4.0
28.8%
2.5
64.4%
3.0
2.7%
3.0
2.74
2.78
91
132
12.1%
3.5
21.9%
3.0
0.33%
1.0
60.2%
2.0
41.1%
4.0
47.0%
2.0
5.0%
2.0
1.99
2.78
220
132
10.8%
2.5
34.5%
4.0
0.79%
2.0
39.0%
4.5
6.1%
0.5
329.2%
5.0
0.5%
5.0
2.83
2.75
77
134
24.6%
5.0
15.7%
2.5
1.43%
4.5
42.4%
4.0
23.9%
2.0
na
2.0
na
2.0
3.39
2.75
29
134
12.5%
3.5
8.5%
1.5
1.22%
4.0
48.3%
3.5
17.7%
1.5
57.0%
2.5
2.6%
3.0
2.46
2.75
145
134
12.6%
3.5
19.1%
2.5
0.37%
1.0
56.0%
2.5
28.8%
2.5
39.4%
1.5
3.4%
3.0
2.61
2.75
121
134
10.6%
2.5
11.7%
2.0
0.37%
1.0
51.5%
3.0
32.2%
3.0
26.1%
1.0
2.9%
3.0
2.15
2.73
194
138
10.9%
2.5
69.7%
5.0
0.27%
0.5
64.4%
2.0
12.0%
1.0
104.8%
5.0
1.6%
3.5
2.26
2.73
180
138
12.2%
3.5
11.5%
2.0
0.23%
0.5
72.2%
1.0
31.8%
3.0
29.4%
1.0
2.5%
3.5
2.38
2.70
162
140
11.1%
3.0
53.4%
5.0
2.44%
5.0
46.6%
3.5
18.8%
1.5
82.6%
4.0
6.2%
2.0
2.41
2.70
157
140
11.4%
3.0
9.5%
1.5
0.70%
2.0
51.6%
3.0
7.4%
0.5
127.8%
5.0
1.0%
4.5
2.61
2.70
121
140
11.9%
3.0
-6.5%
0.5
0.22%
0.5
46.4%
3.5
40.4%
4.0
36.0%
1.5
2.8%
3.0
2.65
2.69
109
143
10.7%
2.5
25.0%
3.5
0.22%
0.5
43.1%
4.0
15.1%
1.5
65.4%
3.0
7.6%
1.5
1.86
2.69
239
143
11.6%
3.0
3.9%
1.0
0.56%
1.5
45.5%
3.5
33.8%
3.0
31.0%
1.5
3.2%
3.0
2.51
2.68
134
145
12.3%
3.5
21.1%
3.0
0.24%
0.5
67.0%
1.5
27.0%
2.5
46.9%
2.0
2.5%
3.5
2.34
2.68
172
145
10.6%
2.5
6.7%
1.5
1.74%
5.0
48.5%
3.5
36.8%
3.5
73.5%
3.5
2.8%
3.0
2.74
2.68
91
145
14.2%
4.0
-14.3%
0.5
0.34%
1.0
69.0%
1.5
35.7%
3.5
45.8%
2.0
4.4%
2.5
2.80
2.68
80
145
na
2.0
1290.5%
5.0
3.91%
5.0
28.5%
5.0
49.4%
4.5
na
2.0
na
2.0
na
2.68
na
145
11.3%
3.0
-20.0%
0.5
0.50%
1.5
64.6%
2.0
60.1%
5.0
83.3%
4.0
1.8%
3.5
3.08
2.66
52
150
ISSUE 72
The Asian Banker
63
9/17/07 11:48:02 AM
Assets
151 to 200
Strength AB300
2007
2007
Country
$million
Loans
Score Change
(15%)
Deposits
Risk Index*
Score
(5%)
Change
Score
(5%)
E(ROA)
Equity-to Std. Dev.
-Asset Ratio (ROA)
Risk
Index
Score
(15%)
151
32
Bank of Yokohama
Japan
93,071 4.5
0.0%
0.0
5.8%
2.0
0.5%
6.4%
0.19% 36.3
3.5
151
41
Japan
80,295 4.5
2.8%
1.0
1.4%
1.0
0.2%
5.2%
0.15% 35.5
3.5
151
164
Suhyup Bank
South Korea
16,750 2.0
24.1%
4.0
11.2%
3.0
0.8%
4.4%
0.17% 30.3
3.0
154
2
Japan 1,234,395 5.0
1.0%
0.5
-0.3%
0.0
0.0%
4.6%
1.01%
4.5
0.0
155
91
Krung Thai Bank
Thailand
33,611 3.5
3.9%
1.5
-1.7%
0.0
1.0%
7.7%
na
na
2.0
155
211
Vietnam
10,569 1.5
12.8%
3.0
4.6%
2.0
0.9%
6.7%
0.49% 15.4
1.5
157
145
Adelaide Bank
Australia
19,455 2.0
24.4%
4.0
2.8%
1.5
0.6%
2.4%
0.13% 23.5
2.0
157
84
Cathay United Bank
Taiwan
36,123 4.0
6.9%
2.0
11.8%
3.0
0.1%
6.1%
1.02%
6.1
0.5
159
178
Tokyo Star Bank
Japan
14,274 1.5
14.3%
3.5
8.4%
2.5
1.1%
5.8%
0.08% 88.9
5.0
160
199
EON Bank
Malaysia
11,164 1.5
4.9%
1.5
11.0%
3.0
0.9%
8.3%
0.18% 52.1
4.0
161
230
Bank of Maharashtra
India
8,949 1.0
39.2%
5.0
24.6%
4.5
0.7%
4.5%
0.36% 14.3
1.0
162
271
Indonesia
5,908 1.0
11.8%
3.0
0.8%
1.0
1.4%
10.5%
0.77% 15.4
1.5
163
45
China
76,222 4.5
16.0%
3.5
14.7%
3.5
na
0.1%
164
114
Hokkoku Bank
Japan
26,387 3.0
1.1%
0.5
3.7%
2.0
0.1%
164
183
MIE Bank
Japan
12,959 1.5
7.9%
2.5
6.2%
2.0
166
105
Bank Mandiri
Indonesia
29,764 3.0
8.9%
2.5
0.2%
166
245
Philippines
7,458 1.0
3.7%
1.0
168
101
Ogaki Kyoritsu Bank
Japan
31,213 3.5
6.8%
168
94
Taiwan
33,303 3.5
168
262
China
171
288
171
68
173
267
Huishang Bank
174
223
175
65
175
na
na
2.0
7.0%
0.08% 94.3
5.0
0.3%
6.6%
0.13% 54.0
4.0
0.5
1.3%
9.8%
0.75% 14.9
1.0
7.4%
2.5
0.9%
10.7%
0.16% 72.3
4.5
2.0
1.0%
1.0
0.2%
5.6%
0.39% 14.8
1.0
11.3%
3.0
9.3%
2.5
0.6%
6.7%
0.37% 19.8
1.5
6,453 1.0
26.8%
4.5
26.3%
4.5
0.6%
4.3%
0.19% 26.0
2.5
Philippines
4,969 0.5
3.8%
1.5
9.4%
2.5
0.0%
10.2%
0.57% 17.7
1.5
Taiwan
48,313 4.0
9.1%
2.5
3.5%
2.0
-0.2%
5.5%
1.22%
4.4
0.0
China
6,144 1.0
34.5%
5.0
21.4%
4.0
na
4.6%
na
na
2.0
India
9,701 1.0
42.7%
5.0
27.1%
4.5
1.0%
5.7%
0.33% 20.5
2.0
Taiwan
48,792 4.0
14.0%
3.5
0.8%
1.0
0.0%
4.8%
1.25%
3.9
0.0
92
Hyakugo Bank
Japan
33,484 3.5
4.5%
1.5
3.6%
2.0
0.2%
6.7%
0.09% 74.5
4.5
175
221
Habib Bank
Pakistan
9,717 1.0
10.3%
2.5
10.3%
3.0
1.4%
7.7%
0.70% 13.0
1.0
178
83
Ashikaga Bank
Japan
36,145 4.0
2.9%
1.0
-0.4%
0.0
-1.9%
-7.2%
8.67%
-1.0
0.0
179
222
Vijaya Bank
India
9,713 1.0
45.4%
5.0
33.9%
5.0
1.2%
4.4%
0.56% 10.0
1.0
179
248
Vietnam
7,313 1.0
18.3%
3.5
23.2%
4.5
0.3%
4.4%
0.06% 84.3
5.0
179
130
India
21,337 2.5
38.2%
5.0
25.1%
4.5
0.6%
4.1%
0.25% 19.0
1.5
179
260
India
6,571 1.0
17.9%
3.5
8.7%
2.5
1.3%
7.0%
0.79% 10.5
1.0
183
250
Dena Bank
India
7,181 1.0
28.6%
4.5
19.1%
4.0
0.6%
4.3%
0.34% 14.3
1.0
183
31
Shoko Chukin Bank
Japan
97,152 4.5
-1.1%
0.0
-0.6%
0.0
0.1%
5.8%
0.03% 184.2
5.0
185
150
Indonesia
18,849 2.0
7.3%
2.0
16.9%
3.5
1.4%
8.7%
0.70% 14.5
1.0
185
144
Tochigi Bank
Japan
19,491 2.0
4.9%
1.5
2.2%
1.5
0.2%
5.5%
0.08% 67.6
4.5
187
77
Yamaguchi Bank
Japan
39,984 4.0
7.6%
2.5
-1.4%
0.0
0.1%
7.6%
0.41% 18.9
1.5
188
75
Taiwan
41,609 4.0
3.5%
1.0
0.4%
0.5
-0.7%
6.1%
1.58%
3.4
0.0
188
117
Suruga Bank
Japan
25,908 3.0
3.1%
1.0
1.3%
1.0
0.4%
5.8%
0.16% 39.6
3.5
188
67
Taiwan
48,511 4.0
-7.8%
0.0
-2.9%
0.0
0.7%
4.4%
0.82%
0.5
191
78
Nanto Bank
Japan
39,268 4.0
2.5%
1.0
-1.2%
0.0
0.1%
4.9%
0.03% 157.9
5.0
191
156
Senshu Bank
Japan
17,522 2.0
7.0%
2.0
5.0%
2.0
0.5%
4.7%
0.12% 43.8
3.5
193
147
Akita Bank
Japan
18,908 2.0
4.9%
1.5
0.1%
0.5
0.2%
6.5%
0.03% 258.5
5.0
193
268
Jeonbuk Bank
South Korea
6,067 1.0
14.8%
3.5
11.3%
3.0
0.6%
4.6%
0.35% 14.9
1.0
195
232
Japan
8,533 1.0
0.8%
0.0
0.7%
0.5
0.2%
7.4%
0.07% 107.3
5.0
196
171
Miyazaki Bank
Japan
15,610 2.0
6.4%
2.0
6.4%
2.5
0.2%
5.5%
0.08% 74.8
4.5
196
295
Evergrowing Bank
China
4,581 0.5
94.0%
5.0
33.4%
5.0
na
3.3%
198
235
Affin Bank
Malaysia
8,336 1.0
3.3%
1.0
25.7%
4.5
0.6%
198
169
Vietnam
15,723 2.0
18.1%
3.5
23.5%
4.5
198
106
Bank of Beijing
China
28,817 3.0
8.8%
2.5
7.8%
2.5
na
6.2
na
2.0
7.7%
0.22% 37.9
3.5
0.6%
4.4%
0.22% 22.9
2.0
0.4%
3.8%
0.21% 19.9
1.5
64
The Asian Banker
ISSUE 72
9/17/07 11:48:04 AM
Loan Quality
Rank
Rank
2006
2007
Strength
Gross
Score Strength
CAR
Score
(10%)
Change
Score
(7.5%)
Ratio
Score
(7.5%)
Cost to
Income
Ratio
Score NII to Total
(10%) Operating
Income
11.1%
3.0
-1.1%
0.5
0.62%
1.5
43.1%
4.0
22.9%
2.0
23.2%
1.0
2.5%
3.0
2.58
2.65
129
151
10.4%
2.5
4.1%
1.0
0.44%
1.0
52.2%
3.0
35.7%
3.5
37.4%
1.5
4.7%
2.5
2.69
2.65
103
151
11.7%
3.0
-14.3%
0.5
0.81%
2.0
55.1%
2.5
13.8%
1.0
311.6%
5.0
0.8%
4.5
2.61
2.65
121
151
12.5%
3.5
6.5%
1.5
0.49%
1.0
53.2%
3.0
52.3%
5.0
72.4%
3.5
1.8%
3.5
3.30
2.64
36
154
14.0%
4.0
30.7%
4.0
1.19%
3.5
45.5%
3.5
16.8%
1.5
43.6%
2.0
9.7%
1.5
2.21
2.63
186
155
10.6%
2.5
10.7%
2.0
1.61%
5.0
30.4%
5.0
22.7%
2.0
na
2.0
1.2%
4.0
2.71
2.63
98
155
10.8%
2.5
17.2%
2.5
0.40%
1.0
51.8%
3.0
19.8%
1.5
111.4%
5.0
0.1%
5.0
3.21
2.59
41
157
12.3%
3.5
-14.0%
0.5
-0.34%
0.0
40.7%
4.0
20.2%
2.0
194.8%
5.0
1.2%
4.0
2.56
2.59
131
157
9.4%
2.0
-9.3%
0.5
0.98%
2.5
56.2%
2.5
25.8%
2.5
48.3%
2.0
3.0%
3.0
2.36
2.58
165
159
12.9%
3.5
7.0%
1.5
0.59%
1.5
45.5%
3.5
27.6%
2.5
53.2%
2.5
6.8%
2.0
2.70
2.56
100
160
12.1%
3.5
68.0%
5.0
0.77%
2.0
54.9%
3.0
19.5%
1.5
63.4%
3.0
3.5%
3.0
1.63
2.55
260
161
23.3%
5.0
31.1%
4.0
1.32%
4.0
61.2%
2.0
27.9%
2.5
62.4%
3.0
4.6%
2.5
2.34
2.54
172
162
na
2.0
na
2.0
0.50%
1.5
na
2.0
na
2.0
67.4%
3.0
7.6%
1.5
2.51
2.53
134
163
13.5%
3.5
-1.4%
0.5
0.09%
0.5
67.3%
1.5
36.6%
3.5
31.7%
1.5
5.3%
2.0
2.59
2.51
127
164
10.1%
2.5
13.8%
2.0
0.40%
1.0
54.6%
3.0
38.4%
3.5
32.1%
1.5
2.6%
3.0
2.40
2.51
160
164
25.3%
5.0
35.8%
4.0
0.91%
2.5
52.5%
3.0
20.9%
2.0
75.3%
3.5
16.3%
0.0
2.10
2.50
201
166
21.4%
5.0
-9.3%
0.5
1.07%
3.0
76.8%
0.5
22.0%
2.0
134.0%
5.0
8.1%
1.5
2.14
2.50
196
166
10.7%
2.5
16.7%
2.5
0.26%
0.5
45.7%
3.5
53.8%
5.0
44.9%
2.0
4.0%
2.5
2.41
2.49
157
168
11.2%
3.0
-9.7%
0.5
0.04%
0.5
46.5%
3.5
27.0%
2.5
69.9%
3.0
1.8%
3.5
2.73
2.49
95
168
9.6%
2.0
41.7%
4.5
0.75%
2.0
35.5%
4.5
4.7%
0.0
59.1%
2.5
5.0%
2.5
1.70
2.49
257
168
19.6%
5.0
51.6%
5.0
0.35%
1.0
66.1%
1.5
59.9%
5.0
109.8%
5.0
19.9%
0.0
2.24
2.48
183
171
11.0%
3.0
10.0%
2.0
0.71%
2.0
49.1%
3.5
26.3%
2.5
51.7%
2.5
1.6%
3.5
2.13
2.48
198
171
8.3%
1.5
na
2.0
0.71%
2.0
48.5%
3.5
23.7%
2.0
82.9%
4.0
2.1%
3.5
na
2.46
na
173
12.0%
3.5
11.5%
2.0
0.71%
2.0
52.0%
3.0
21.3%
2.0
59.2%
2.5
3.6%
2.5
2.63
2.45
118
174
12.3%
3.5
-6.6%
0.5
0.56%
1.5
43.2%
4.0
30.8%
3.0
48.1%
2.0
2.1%
3.5
2.65
2.44
109
175
10.9%
2.5
1.0%
1.0
0.26%
0.5
71.8%
1.0
30.4%
3.0
38.1%
1.5
3.6%
2.5
2.46
2.44
145
175
13.0%
3.5
28.8%
3.5
2.27%
5.0
47.2%
3.5
17.0%
1.5
73.0%
3.5
8.1%
1.5
2.45
2.44
149
175
na
2.0
29.3%
3.5
1.81%
5.0
38.3%
4.5
18.2%
1.5
52.0%
2.5
5.7%
2.0
2.10
2.43
201
178
11.2%
3.0
-3.1%
0.5
0.90%
2.5
48.3%
3.5
20.4%
2.0
73.4%
3.5
2.3%
3.5
2.06
2.40
207
179
6.3%
1.0
20.8%
3.0
0.38%
1.0
51.5%
3.0
14.9%
1.0
11.7%
0.5
1.8%
3.5
2.88
2.40
69
179
10.4%
13.2%
2.5
13.2%
2.0
0.59%
1.5
55.5%
2.5
18.5%
1.5
64.8%
3.0
4.8%
2.5
2.04
2.40
212
179
3.5
23.0%
3.0
1.00%
3.0
40.1%
4.0
17.3%
1.5
61.2%
3.0
2.9%
3.0
2.48
2.40
142
179
11.5%
3.0
18.1%
2.5
0.70%
2.0
47.9%
3.5
33.0%
3.0
50.0%
2.5
4.0%
2.5
2.36
2.39
165
183
8.0%
1.5
3.8%
1.0
0.11%
0.5
49.1%
3.5
5.1%
0.5
48.8%
2.0
6.3%
2.0
2.30
2.39
177
183
16.0%
4.5
15.9%
2.5
1.22%
4.0
61.2%
2.0
27.9%
2.5
55.1%
2.5
10.5%
1.0
2.04
2.38
212
185
11.3%
3.0
-6.4%
0.5
0.30%
1.0
52.2%
3.0
24.0%
2.0
45.3%
2.0
3.7%
2.5
1.78
2.38
251
185
10.9%
2.5
24.5%
3.0
0.40%
1.0
61.5%
2.0
27.2%
2.5
60.7%
3.0
3.6%
2.5
2.08
2.36
206
187
11.2%
3.0
17.5%
2.5
0.84%
2.0
49.3%
3.5
17.2%
1.5
78.2%
3.5
1.7%
3.5
2.36
2.34
165
188
10.5%
2.5
7.3%
1.5
0.68%
1.5
50.8%
3.0
17.5%
1.5
41.8%
2.0
4.0%
2.5
1.93
2.34
233
188
10.4%
2.5
-1.2%
0.5
-0.73%
0.0
49.0%
3.5
38.5%
3.5
180.2%
5.0
1.2%
4.0
3.20
2.34
43
188
11.2%
3.0
-1.5%
0.5
0.13%
0.5
72.4%
1.0
18.8%
1.5
36.6%
1.5
4.6%
2.5
2.05
2.33
208
191
12.1%
3.5
8.4%
1.5
0.53%
1.5
60.2%
2.0
15.5%
1.5
38.1%
1.5
2.0%
3.5
2.63
2.33
118
191
12.4%
3.5
-6.7%
0.5
0.23%
0.5
72.0%
1.0
30.6%
3.0
46.4%
2.0
5.3%
2.0
1.91
2.28
235
193
12.0%
3.5
22.4%
3.0
0.58%
1.5
62.7%
2.0
5.2%
0.5
151.6%
5.0
0.8%
4.5
1.50
2.28
275
193
14.1%
4.0
2.7%
1.0
0.29%
0.5
66.5%
1.5
30.0%
3.0
47.3%
2.0
2.9%
3.0
1.99
2.26
220
195
10.9%
2.5
-10.7%
0.5
0.27%
0.5
75.5%
0.5
34.6%
3.0
43.9%
2.0
3.0%
3.0
2.24
2.25
183
196
na
2.0
52.0%
5.0
0.42%
1.0
47.8%
3.5
2.0%
0.0
51.5%
2.5
4.3%
2.5
na
2.25
na
196
13.6%
3.5
-0.6%
0.5
0.73%
2.0
48.5%
3.5
29.2%
2.5
40.1%
2.0
16.2%
0.0
2.44
2.24
152
198
7.6%
1.0
6.6%
1.5
0.54%
1.5
51.6%
3.0
24.3%
2.0
na
2.0
1.9%
3.5
1.93
2.24
233
198
10.8%
2.5
6.3%
1.5
0.25%
0.5
32.9%
5.0
1.1%
0.0
66.7%
3.0
3.6%
2.5
2.00
2.24
218
198
(10%) Reserve to (7.5%)
Gross NPLs
ISSUE 72
The Asian Banker
65
9/17/07 11:48:05 AM
201 to 250
Strength AB300
2007
2007
Assets
(15%)
Loans
Deposits
Risk Index*
Change
Score
(5%)
Change
Score
(5%)
E(ROA)
Equity-to Std. Dev.
-Asset Ratio (ROA)
Risk
Index
Score
(15%)
China
4,689
0.5
64.0%
5.0
91.0%
5.0
0.1%
4.5%
0.99%
4.7
0.0
Malaysia
7,613
1.0
-1.8%
0.0
10.4%
3.0
0.5%
7.7%
0.77% 10.7
1.0
Taiwan 11,516
1.5
24.4%
4.0
30.0%
5.0
-0.4%
3.9%
1.31%
2.7
0.0
China 33,375
3.5
17.1%
3.5
17.2%
3.5
0.3%
2.5%
0.16% 17.0
1.5
158
Chiba Kogyo Bank
Japan 17,408
2.0
2.8%
1.0
1.3%
1.0
0.3%
6.1%
0.16% 40.7
3.5
205
87
Juroku Bank
Japan 35,259
4.0
3.8%
1.5
1.5%
1.5
0.1%
6.9%
0.54% 13.0
1.0
207
247
Shonai Bank
Japan
7,339
1.0
5.7%
2.0
4.9%
2.0
0.2%
5.5%
0.07% 79.3
4.5
207
134
Taiwan 20,970
2.5
19.3%
4.0
8.5%
2.5
0.6%
6.0%
1.24%
5.3
0.5
209
177
Daisan Bank
Japan 14,444
1.5
3.4%
1.0
1.1%
1.0
0.1%
5.0%
0.05% 99.4
5.0
209
125
Minato Bank
Japan 23,152
2.5
3.3%
1.0
1.2%
1.0
0.2%
3.6%
0.07% 50.4
4.0
209
293
Okinawa Kaiho Bank
Japan
4,709
0.5
4.8%
1.5
9.3%
2.5
0.2%
5.9%
0.07% 85.8
5.0
209
174
Yamagata Bank
Japan 15,320
2.0
-0.2%
0.0
-2.3%
0.0
0.3%
7.0%
0.12% 60.9
4.5
213
60
Citibank Korea
South Korea 52,328
4.5
7.0%
2.0
4.4%
2.0
0.6%
6.9%
0.31% 24.3
2.0
214
231
China
8,565
1.0
14.5%
3.5
14.3%
3.5
0.9%
5.3%
0.31% 20.4
2.0
214
115
Bank of Nagoya
Japan 26,185
3.0
1.8%
0.5
-1.7%
0.0
0.2%
6.7%
0.12% 58.2
4.0
214
256
Tottori Bank
Japan
6,796
1.0
2.7%
1.0
-2.0%
0.0
0.2%
4.7%
0.05% 96.1
5.0
217
139
Bank of Iwate
Japan 20,042
2.5
2.9%
1.0
0.2%
0.5
0.3%
7.3%
0.10% 76.5
4.5
217
120
Keiyo Bank
Japan 25,064
3.0
2.5%
1.0
1.4%
1.0
0.3%
5.7%
0.16% 37.0
3.5
217
195
Siam City Bank
Thailand 11,575
1.5
6.3%
2.0
-10.9%
0.0
0.9%
8.9%
0.47% 20.9
2.0
220
193
Bank of Okinawa
Japan 11,720
1.5
4.1%
1.5
2.8%
1.5
0.4%
7.5%
0.21% 37.8
3.5
221
253
Tajima Bank
Japan
6,919
1.0
0.8%
0.0
5.7%
2.0
0.1%
4.3%
0.06% 77.9
4.5
221
161
UCO Bank
India 17,175
2.0
25.7%
4.5
20.4%
4.0
0.7%
3.6%
0.29% 14.4
1.0
221
132
Aichi Bank
Japan 21,287
2.5
0.7%
0.0
-1.4%
0.0
0.2%
7.7%
0.09% 88.4
5.0
224
121
Toho Bank
Japan 24,055
2.5
-0.1%
0.0
-0.6%
0.0
0.2%
4.5%
0.04% 112.2
5.0
224
186
Bank of the Ryukyus
Japan 12,744
1.5
8.1%
2.5
2.6%
1.5
0.3%
5.2%
0.12% 46.2
4.0
226
133
Tokyo Tomin Bank
Japan 21,051
2.5
6.7%
2.0
0.2%
0.5
0.3%
3.9%
0.14% 29.8
2.5
227
278
Fukushima Bank
Japan
5,323
1.0
-0.5%
0.0
-1.0%
0.0
0.2%
4.5%
0.07% 65.2
4.5
227
157
China 17,438
2.0
16.7%
3.5
6.7%
2.5
0.3%
4.8%
0.02%
na
2.0
229
285
China
5,088
1.0
37.7%
5.0
12.0%
3.0
0.4%
5.2%
0.35% 16.2
1.5
229
131
Awa Bank
Japan 21,311
2.5
4.4%
1.5
3.5%
2.0
0.2%
7.0%
0.36% 20.1
2.0
229
109
Kiyo Bank
Japan 27,956
3.0
18.6%
3.5
16.4%
3.5
0.2%
4.1%
0.22% 19.1
1.5
229
129
Yamanashi Chuo Bank
Japan 21,928
2.5
3.2%
1.0
0.6%
0.5
0.1%
7.1%
0.29% 25.0
2.5
233
155
Hokuetsu Bank
Japan 17,761
2.0
1.7%
0.5
4.6%
2.0
0.2%
3.8%
0.10% 41.1
3.5
234
128
Oita Bank
Japan 22,026
2.5
1.3%
0.5
0.4%
0.5
0.2%
6.1%
0.35% 18.1
1.5
235
243
Nagano Bank
Japan
7,573
1.0
3.2%
1.0
1.6%
1.5
0.1%
4.9%
0.02% 265.9
5.0
235
201
Taiwan 11,092
1.5
13.7%
3.5
10.3%
3.0
-0.4%
5.2%
0.69%
7.0
0.5
237
6
China 684,463
5.0
11.1%
3.0
15.5%
3.5
0.1%
1.6%
0.04% 40.4
3.5
238
220
Tokushima Bank
Japan
9,761
1.0
1.7%
0.5
1.8%
1.5
0.2%
6.5%
0.08% 80.9
5.0
238
279
Tohoku Bank
Japan
5,301
1.0
1.3%
0.5
1.6%
1.5
0.1%
4.1%
0.03% 159.3
5.0
240
299
Bank of Kaohsiung
Taiwan
4,503
0.5
-2.8%
0.0
-4.3%
0.0
0.2%
7.2%
0.09% 79.5
4.5
240
214
Taiko Bank
Japan 10,484
1.5
2.3%
1.0
1.2%
1.0
0.1%
5.1%
0.05% 111.7
5.0
240
255
Sony Bank
Japan
6,850
1.0
18.9%
4.0
7.0%
2.5
-0.4%
4.6%
0.90%
4.6
0.0
243
140
China 19,814
2.0
32.5%
4.5
20.6%
4.0
na
4.4%
na
na
2.0
243
102
Hyakujushi Bank
Japan 30,675
3.5
1.9%
0.5
1.3%
1.0
0.1%
7.0%
0.54% 13.1
1.0
245
151
Bank of Ayudhya
Thailand 18,557
2.0
-0.1%
0.0
1.0%
1.0
0.6%
7.0%
0.31% 24.9
2.0
245
286
AMP Bank
Australia
5,061
1.0
6.3%
2.0
5.2%
2.0
0.0%
2.3%
0.17%
na
2.0
245
208
Taiwan 10,790
1.5
13.5%
3.0
2.1%
1.5
-0.5%
5.7%
0.99%
5.2
0.5
248
290
Chikuho Bank
Japan
4,821
0.5
0.0%
0.0
2.1%
1.5
0.1%
6.2%
0.06% 107.0
5.0
249
179
Chukyo Bank
Japan 13,922
1.5
0.8%
0.5
1.2%
1.0
0.3%
6.3%
0.11% 57.4
4.0
249
224
Kita-Nippon Bank
Japan
1.0
2.0%
0.5
-1.1%
0.0
0.2%
5.5%
0.08% 72.1
4.5
198
294
China Zheshang Bank
202
242
Alliance Bank
202
197
Ta Chong Bank
202
93
205
9,691
66
The Asian Banker
ISSUE 72
9/17/07 11:48:06 AM
Loan Quality
Rank
Rank
2006
2007
Strength
Gross
Score Strength
CAR
Score
(10%)
Change
Score
(7.5%)
Ratio
Score
(7.5%)
Cost to
Income
Ratio
Score NII to Total
(10%) Operating
Income
(10%) Reserve to (7.5%)
Gross NPLs
11.9%
3.0
134.0%
5.0
0.96%
2.5
37.7%
4.5
7.7%
0.5
na
2.0
na
2.0
na
2.24
na
198
16.6%
4.5
31.7%
4.0
0.48%
1.0
52.5%
3.0
37.4%
3.5
67.3%
3.0
10.9%
1.0
2.26
2.23
180
202
8.4%
1.5
69.6%
5.0
-1.50%
0.0
45.0%
3.5
32.6%
3.0
48.4%
2.0
2.6%
3.0
1.78
2.23
251
202
3.7%
0.5
36.1%
4.0
0.54%
1.5
45.6%
3.5
9.1%
0.5
47.2%
2.0
8.1%
1.5
1.80
2.23
249
202
9.5%
2.0
6.2%
1.5
0.47%
1.0
51.1%
3.0
32.2%
3.0
31.6%
1.5
4.6%
2.5
2.09
2.21
203
205
10.6%
2.5
10.9%
2.0
0.37%
1.0
67.6%
1.5
38.3%
3.5
41.8%
2.0
4.1%
2.5
2.05
2.21
208
205
11.4%
3.0
-1.7%
0.5
0.31%
1.0
67.6%
1.5
36.8%
3.5
24.8%
1.0
3.6%
2.5
2.48
2.20
142
207
10.8%
2.5
-22.4%
0.5
0.07%
0.5
56.8%
2.5
27.6%
2.5
77.5%
3.5
0.7%
4.5
2.35
2.20
170
207
10.8%
2.5
-9.8%
0.5
0.22%
0.5
60.5%
2.0
28.4%
2.5
45.4%
2.0
3.9%
2.5
1.73
2.19
255
209
9.5%
2.0
-8.7%
0.5
0.26%
0.5
63.1%
2.0
32.3%
3.0
39.0%
1.5
3.0%
3.0
1.94
2.19
228
209
10.1%
2.5
-4.7%
0.5
0.24%
0.5
56.5%
2.5
28.9%
2.5
45.9%
2.0
4.7%
2.5
2.15
2.19
194
209
13.1%
3.5
2.5%
1.0
0.29%
0.5
72.5%
1.0
37.5%
3.5
23.9%
1.0
3.1%
3.0
2.34
2.19
172
209
14.0%
4.0
-31.1%
0.5
0.69%
1.5
70.2%
1.0
6.2%
0.5
na
2.0
na
2.0
2.49
2.18
140
213
8.6%
1.5
25.1%
3.5
0.59%
1.5
34.5%
5.0
3.8%
0.0
42.9%
2.0
4.7%
2.5
2.53
2.16
133
214
9.7%
2.0
-10.9%
0.5
0.27%
0.5
75.3%
0.5
39.1%
3.5
42.1%
2.0
2.4%
3.5
2.41
2.16
157
214
10.6%
2.5
23.9%
3.0
0.12%
0.5
60.3%
2.0
20.1%
2.0
38.2%
1.5
3.5%
2.5
2.00
2.16
218
214
13.7%
3.5
-8.4%
0.5
0.26%
0.5
73.4%
1.0
16.0%
1.5
30.8%
1.5
3.2%
3.0
2.05
2.14
208
217
11.1%
3.0
-3.7%
0.5
0.48%
1.0
57.8%
2.5
14.8%
1.0
27.2%
1.0
3.4%
3.0
1.83
2.14
246
217
12.5%
3.5
6.6%
1.5
0.98%
2.5
60.5%
2.0
27.6%
2.5
72.3%
3.5
5.5%
2.0
1.96
2.14
224
217
11.3%
3.0
-3.5%
0.5
0.49%
1.0
72.1%
1.0
41.3%
4.0
39.8%
1.5
3.9%
2.5
2.21
2.11
186
220
11.2%
3.0
20.7%
3.0
0.13%
0.5
71.8%
1.0
27.5%
2.5
16.2%
0.5
3.3%
3.0
1.85
2.10
243
221
11.6%
3.0
5.9%
1.5
0.46%
1.0
57.0%
2.5
19.0%
1.5
31.5%
1.5
3.2%
3.0
2.11
2.10
199
221
10.8%
2.5
-11.7%
0.5
0.33%
1.0
65.4%
1.5
22.5%
2.0
17.8%
0.5
3.2%
3.0
2.20
2.10
188
221
10.6%
2.5
-23.6%
0.5
0.22%
0.5
79.2%
0.5
25.6%
2.5
47.8%
2.0
4.4%
2.5
2.50
2.09
137
224
9.5%
2.0
-46.6%
0.5
0.41%
1.0
58.8%
2.5
20.3%
2.0
32.2%
1.5
4.6%
2.5
2.40
2.09
160
224
10.3%
2.5
4.1%
1.0
0.37%
1.0
62.2%
2.0
34.7%
3.0
38.9%
1.5
4.4%
2.5
1.94
2.08
228
226
10.2%
2.5
-14.1%
0.5
0.28%
0.5
45.3%
3.5
31.2%
3.0
33.9%
1.5
6.6%
2.0
1.49
2.06
276
227
7.3%
1.0
15.1%
2.5
0.30%
1.0
85.3%
0.0
23.7%
2.0
98.5%
4.5
1.7%
3.5
na
2.06
na
227
4.7%
0.5
64.4%
5.0
0.03%
0.5
40.5%
4.0
18.3%
1.5
39.0%
1.5
6.4%
2.0
1.84
2.05
244
229
11.8%
3.0
-5.5%
0.5
0.38%
1.0
71.9%
1.0
36.6%
3.5
39.1%
1.5
3.3%
3.0
2.01
2.05
216
229
10.6%
2.5
-22.4%
0.5
0.30%
1.0
65.7%
1.5
25.3%
2.5
34.8%
1.5
6.3%
2.0
1.53
2.05
268
229
12.0%
3.5
19.1%
2.5
0.30%
1.0
59.6%
2.5
13.3%
1.0
34.6%
1.5
5.2%
2.0
2.04
2.05
212
229
10.8%
2.5
-3.2%
0.5
0.27%
0.5
73.6%
1.0
39.3%
3.5
33.7%
1.5
4.1%
2.5
1.70
2.03
257
233
10.2%
2.5
26.2%
3.5
0.30%
1.0
71.1%
1.0
33.6%
3.0
57.5%
2.5
3.5%
2.5
1.89
2.01
238
234
9.4%
2.0
-13.6%
0.5
0.12%
0.5
77.4%
0.5
37.2%
3.5
45.8%
2.0
5.0%
2.0
1.84
2.00
244
235
9.5%
2.0
L-P
5.0
0.09%
0.5
62.5%
2.0
19.7%
1.5
41.9%
2.0
2.0%
3.5
1.34
2.00
287
235
-17.6%
0.0
-70.5%
0.5
0.11%
0.5
93.7%
0.0
17.6%
1.5
na
2.0
23.4%
0.0
1.90
1.98
236
237
10.2%
2.5
-16.2%
0.5
0.20%
0.5
55.2%
2.5
10.3%
1.0
30.1%
1.5
5.8%
2.0
1.96
1.94
224
238
9.9%
2.0
2.6%
1.0
0.15%
0.5
72.7%
1.0
32.3%
3.0
22.4%
1.0
5.3%
2.0
1.59
1.94
262
238
9.9%
2.0
5.2%
1.5
0.33%
1.0
73.5%
1.0
18.6%
1.5
62.9%
3.0
1.5%
4.0
2.18
1.91
191
240
9.8%
2.0
5.7%
1.5
0.19%
0.5
66.4%
1.5
3.5%
0.0
41.8%
2.0
3.9%
2.5
1.86
1.91
239
240
12.2%
3.5
-40.0%
0.5
0.13%
0.5
84.4%
0.0
49.5%
4.5
58.7%
2.5
0.1%
5.0
2.35
1.91
170
240
8.7%
1.5
L-P
5.0
0.39%
1.0
82.8%
0.0
9.7%
0.5
na
2.0
11.1%
1.0
na
1.90
na
243
10.6%
2.5
1.0%
1.0
0.42%
1.0
68.7%
1.5
32.1%
3.0
32.6%
1.5
4.0%
2.5
1.94
1.90
228
243
11.7%
3.0
6.9%
1.5
0.23%
0.5
52.9%
3.0
30.2%
3.0
45.1%
2.0
13.8%
0.5
2.36
1.89
165
245
na
2.0
L-P
5.0
0.09%
0.5
81.0%
0.0
26.3%
2.5
6.3%
0.0
0.4%
5.0
na
1.89
na
245
12.5%
3.5
-31.8%
0.5
-2.11%
0.0
68.5%
1.5
18.9%
1.5
118.9%
5.0
1.2%
4.0
2.26
1.89
180
245
9.8%
2.0
-3.8%
0.5
0.11%
0.5
77.6%
0.5
38.1%
3.5
40.3%
2.0
5.6%
2.0
2.09
1.88
203
248
10.1%
2.5
-1.3%
0.5
0.41%
1.0
69.1%
1.5
18.3%
1.5
35.0%
1.5
4.5%
2.5
1.34
1.86
287
249
10.2%
2.5
7.2%
1.5
0.26%
0.5
64.6%
2.0
19.7%
1.5
26.6%
1.0
5.0%
2.5
1.51
1.86
273
249
ISSUE 72
The Asian Banker
67
9/17/07 11:48:08 AM
251 to 300
Strength AB300
2007
2007
Assets
Loans
Change
(15%)
Deposits
Score
(5%)
Change
Risk Index*
Score
(5%)
E(ROA)
Equity-to Std. Dev.
-Asset Ratio (ROA)
Risk
Index
Score
(15%)
251
54
Japan 57,886
4.5
1.0%
0.5
1.1%
1.0
0.0%
4.7%
0.50%
9.4
0.5
251
252
Tomato Bank
Japan
7,087
1.0
4.9%
1.5
0.6%
0.5
0.1%
3.9%
0.14% 28.1
2.5
251
297
Bank Alfalah
Pakistan
4,538
0.5
26.2%
4.5
8.6%
2.5
1.2%
3.8%
0.80%
6.2
0.5
254
152
Aomori Bank
Japan 18,241
2.0
-2.0%
0.0
-0.3%
0.5
0.0%
4.4%
0.40% 11.0
1.0
254
182
Taiwan 13,159
1.5
7.4%
2.0
9.3%
2.5
0.0%
3.5%
1.09%
3.2
0.0
254
69
China 47,890
4.0
3.8%
1.5
4.2%
2.0
0.1%
0.3%
0.09%
4.9
0.0
257
200
Shimizu Bank
Japan 11,104
1.5
1.7%
0.5
2.3%
1.5
0.0%
5.4%
0.27% 20.3
2.0
258
280
5,256
1.0
-2.1%
0.0
-8.0%
0.0
0.1%
12.9%
1.15% 11.3
1.0
259
119
Taiwan 25,155
3.0
-3.7%
0.0
-1.3%
0.0
0.2%
4.3%
1.63%
2.7
0.0
260
146
Eighteenth Bank
Japan 19,046
2.0
-2.0%
0.0
-3.3%
0.0
0.0%
6.1%
0.35% 17.3
1.5
261
153
Fukui Bank
Japan 17,867
2.0
0.7%
0.0
0.3%
0.5
0.1%
5.2%
0.26% 20.8
2.0
261
210
Kagawa Bank
Japan 10,603
1.5
4.2%
1.5
2.1%
1.5
0.1%
7.3%
0.36% 20.5
2.0
261
212
Taiwan 10,558
1.5
5.2%
1.5
11.7%
3.0
0.1%
5.7%
1.55%
3.8
0.0
264
227
Biwako Bank
Japan
9,152
1.0
1.5%
0.5
1.1%
1.0
-0.6%
4.0%
1.63%
2.1
0.0
264
173
Higashi-Nippon Bank
Japan 15,372
2.0
3.3%
1.0
1.1%
1.0
0.2%
6.0%
0.36% 17.1
1.5
266
241
Bank of Kochi
Japan
7,719
1.0
-3.4%
0.0
-4.0%
0.0
0.0%
5.0%
0.39% 12.9
1.0
267
209
Kanto Tsukuba Bank
Japan 10,755
1.5
5.0%
1.5
0.8%
1.0
-0.1%
4.1%
0.37% 10.8
1.0
268
170
Michinoku Bank
Japan 15,654
2.0
-1.7%
0.0
-1.7%
0.0
-0.2%
4.4%
0.43%
9.7
0.5
269
257
Gifu Bank
Japan
6,773
1.0
4.5%
1.5
1.8%
1.5
0.2%
4.1%
0.17% 25.8
2.5
270
160
Yachiyo Bank
Japan 17,192
2.0
2.7%
1.0
2.6%
1.5
0.2%
4.8%
0.25% 19.6
1.5
271
166
Bank of Saga
Japan 16,108
2.0
0.4%
0.0
0.8%
1.0
0.0%
4.6%
0.52%
8.7
0.5
272
239
Sunny Bank
Taiwan
7,824
1.0
10.6%
3.0
5.5%
2.0
0.4%
5.4%
0.26% 22.3
2.0
273
137
Shikoku Bank
Japan 20,801
2.5
0.9%
0.5
-0.3%
0.0
-0.1%
5.0%
0.66%
7.5
0.5
273
180
Ehime Bank
Japan 13,725
1.5
5.0%
1.5
-0.1%
0.5
-0.1%
5.0%
0.63%
7.8
0.5
275
98
Taiwan 32,543
3.5
3.0%
1.0
-0.1%
0.5
-0.4%
3.7%
0.66%
5.0
0.5
276
275
Minami-Nippon Bank
Japan
5,586
1.0
0.0%
0.0
0.7%
0.5
-0.1%
5.3%
0.51% 10.3
1.0
276
126
Momiji Holdings
Japan 22,147
2.5
-1.9%
0.0
-2.0%
0.0
-0.6%
4.6%
1.08%
3.7
0.0
278
259
Sendai Bank
Japan
6,624
1.0
-2.0%
0.0
-0.1%
0.5
0.1%
3.2%
0.06% 57.8
4.0
278
237
Taiwan
7,954
1.0
3.2%
1.0
0.7%
0.5
-0.7%
3.2%
1.01%
2.4
0.0
278
270
King's Town Bank
Taiwan
6,034
1.0
26.8%
4.5
21.9%
4.0
-0.2%
5.6%
0.81%
6.7
0.5
281
292
Miyazaki Taiyo Bank
Japan
4,711
0.5
2.2%
1.0
1.6%
1.5
0.1%
5.3%
0.36% 15.0
1.5
282
213
Fuhwa Bank
Taiwan 10,521
1.5
-1.2%
0.0
9.4%
2.5
-0.4%
4.1%
1.06%
3.4
0.0
283
272
Bank of Panhsin
Taiwan
5,835
1.0
2.2%
0.5
7.0%
2.5
-0.3%
4.8%
0.86%
5.2
0.5
283
284
Sonali Bank
Bangladesh
5,110
1.0
1.8%
0.5
1.9%
1.5
-2.0%
8.1%
4.63%
1.3
0.0
285
141
Japan 19,778
2.0
-11.3%
0.0
-6.7%
0.0
-0.9%
2.7%
1.20%
1.4
0.0
285
135
TMB Bank
Thailand 20,930
2.5
-1.9%
0.0
3.1%
1.5
-0.8%
6.4%
1.88%
3.0
0.0
287
226
Hokuto Bank
Japan
9,439
1.0
-1.8%
0.0
-8.0%
0.0
0.0%
3.2%
0.23% 14.2
1.0
288
277
Daito Bank
Japan
5,475
1.0
2.2%
0.5
-1.4%
0.0
-0.2%
4.4%
0.99%
4.2
0.0
289
265
Saikyo Bank
Japan
6,299
1.0
-3.5%
0.0
0.4%
0.5
0.0%
4.0%
0.21% 19.4
1.5
290
234
Taiwan
8,406
1.0
1.4%
0.5
0.6%
0.5
-0.5%
3.8%
0.28% 11.5
1.0
291
203
Japan 11,055
1.5
-3.8%
0.0
2.8%
1.5
-1.0%
0.7%
2.03% -0.1
0.0
292
176
Towa Bank
Japan 14,726
1.5
-1.1%
0.0
-0.6%
0.0
-0.4%
1.9%
0.77%
2.0
0.0
292
269
Bankthai
Thailand
6,066
1.0
-19.7%
0.0
-23.9%
0.0
-0.4%
2.0%
1.15%
1.3
0.0
294
289
BIMB Holdings
Malaysia
4,829
0.5
-6.9%
0.0
-2.6%
0.0
-1.6%
13.9%
3.16%
3.9
0.0
294
238
Taiwan
7,904
1.0
-7.3%
0.0
-9.8%
0.0
-1.6%
4.7%
2.21%
1.4
0.0
296
263
Ibaraki Bank
Japan
6,389
1.0
3.4%
1.0
0.1%
0.5
-0.4%
2.8%
0.76%
3.3
0.0
297
276
Taiwan
5,506
1.0
-8.5%
0.0
-4.5%
0.0
-1.7%
1.2%
1.50% -0.3
0.0
298
225
Taiwan
9,612
1.0
7.6%
2.5
-4.7%
0.0
-0.4%
4.9%
0.92%
4.9
0.0
299
264
Chinese Bank
Taiwan
6,339
1.0
-12.1%
0.0
-7.0%
0.0
-1.0%
3.0%
1.92%
1.0
0.0
300
244
Cosmos Bank
Taiwan
7,510
1.0
-15.8%
0.0
-5.8%
0.0
-0.7%
4.9%
2.17%
1.9
0.0
Thailand
68
The Asian Banker
ISSUE 72
9/17/07 11:48:09 AM
CAR
Score
(10%)
Change
Score
(7.5%)
Ratio
Score
(7.5%)
Cost to
Income
Ratio
Score NII to Total
(10%) Operating
Income
(10%) Reserve to (7.5%)
Gross NPLs
Loan Quality
Rank
Rank
2006
2007
Strength
Gross
Score Strength
9.3%
2.0
-2.4%
0.5
0.40%
1.0
56.9%
2.5
19.9%
1.5
30.9%
1.5
5.0%
2.5
2.01
1.84
216
251
10.1%
2.5
31.4%
4.0
-0.18%
0.0
62.3%
2.0
21.2%
2.0
32.8%
1.5
5.7%
2.0
1.79
1.84
250
251
9.5%
2.0
3.2%
1.0
0.67%
1.5
72.3%
1.0
27.2%
2.5
96.9%
4.5
1.5%
3.5
2.18
1.84
191
251
13.2%
3.5
-6.7%
0.5
0.24%
0.5
47.8%
3.5
39.6%
3.5
29.5%
1.0
5.7%
2.0
1.86
1.83
239
254
9.1%
2.0
-7.8%
0.5
-1.24%
0.0
57.1%
2.5
40.0%
4.0
64.0%
3.0
1.6%
3.5
1.98
1.83
222
254
na
2.0
na
2.0
-0.02%
0.0
na
2.0
na
2.0
na
2.0
5.8%
2.0
2.16
1.83
193
254
10.7%
2.5
36.4%
4.0
0.25%
0.5
74.6%
1.0
22.5%
2.0
39.8%
1.5
4.8%
2.5
1.53
1.81
268
257
17.4%
4.5
438.9%
5.0
0.31%
1.0
67.6%
1.5
18.0%
1.5
62.2%
3.0
12.0%
1.0
1.60
1.80
261
258
7.5%
1.0
-36.6%
0.5
-2.36%
0.0
46.0%
3.5
22.8%
2.0
111.4%
5.0
2.4%
3.5
2.70
1.78
100
259
11.5%
3.0
-17.2%
0.5
0.21%
0.5
68.7%
1.5
31.4%
3.0
54.2%
2.5
4.9%
2.5
1.94
1.73
228
260
10.9%
2.5
-18.4%
0.5
0.19%
0.5
69.5%
1.5
34.7%
3.0
30.7%
1.5
4.5%
2.5
1.83
1.70
246
261
10.1%
2.5
-16.9%
0.5
0.37%
1.0
70.6%
1.0
32.4%
3.0
37.1%
1.5
5.9%
2.0
1.56
1.70
266
261
8.9%
1.5
-35.0%
0.5
-0.51%
0.0
51.2%
3.0
37.5%
3.5
45.0%
2.0
2.1%
3.5
2.14
1.70
196
261
9.4%
2.0
-0.8%
0.5
0.55%
1.5
48.5%
3.5
33.6%
3.0
56.7%
2.5
3.4%
3.0
1.56
1.64
266
264
10.7%
2.5
-10.4%
0.5
0.45%
1.0
55.8%
2.5
13.6%
1.0
35.3%
1.5
4.2%
2.5
1.86
1.64
239
264
8.7%
1.5
56.3%
5.0
0.02%
0.5
66.1%
1.5
39.5%
3.5
35.7%
1.5
9.8%
1.5
1.21
1.59
293
266
9.5%
2.0
-11.4%
0.5
0.50%
1.5
58.2%
2.5
29.0%
2.5
32.9%
1.5
8.6%
1.5
1.31
1.58
289
267
12.6%
3.5
33.9%
4.0
0.26%
0.5
72.7%
1.0
11.0%
1.0
39.1%
1.5
6.6%
2.0
1.59
1.53
262
268
8.6%
1.5
-17.2%
0.5
0.49%
1.0
66.6%
1.5
15.7%
1.5
33.4%
1.5
5.5%
2.0
1.39
1.50
281
269
9.7%
2.0
-20.4%
0.5
0.46%
1.0
68.1%
1.5
16.0%
1.5
28.1%
1.0
6.2%
2.0
1.49
1.49
276
270
10.0%
2.5
-6.1%
0.5
0.27%
0.5
69.6%
1.5
20.2%
2.0
69.9%
3.0
6.1%
2.0
1.51
1.48
273
271
8.9%
1.5
-22.9%
0.5
0.01%
0.5
79.9%
0.5
10.2%
1.0
na
2.0
2.7%
3.0
2.65
1.45
109
272
9.9%
2.0
-38.0%
0.5
0.23%
0.5
67.0%
1.5
24.4%
2.0
35.0%
1.5
4.6%
2.5
2.05
1.40
208
273
9.1%
2.0
-13.6%
0.5
0.32%
1.0
62.8%
2.0
18.0%
1.5
41.3%
2.0
4.0%
2.5
1.53
1.40
268
273
10.3%
2.5
-71.3%
0.5
0.08%
0.5
83.9%
0.0
-12.0%
0.0
39.8%
1.5
2.3%
3.5
1.58
1.38
264
275
8.6%
1.5
20.5%
3.0
0.19%
0.5
66.3%
1.5
19.9%
1.5
34.8%
1.5
4.9%
2.5
1.08
1.34
298
276
na
2.0
-12.1%
0.5
-1.66%
0.0
63.0%
2.0
18.1%
1.5
68.2%
3.0
6.0%
2.0
1.94
1.34
228
276
9.9%
5.4%
2.0
-23.3%
0.5
0.15%
0.5
82.3%
0.0
7.1%
0.5
20.3%
1.0
5.5%
2.0
1.64
1.33
259
278
0.5
6.2%
1.5
-1.81%
0.0
48.5%
3.5
11.4%
1.0
61.6%
3.0
1.5%
3.5
1.13
1.33
296
278
11.2%
3.0
-52.2%
0.5
0.07%
0.5
83.0%
0.0
-1.2%
0.0
na
2.0
7.1%
2.0
1.24
1.33
290
278
8.3%
1.5
-17.6%
0.5
0.21%
0.5
70.3%
1.0
27.4%
2.5
38.8%
1.5
4.0%
2.5
1.36
1.30
285
281
9.2%
2.0
-82.3%
0.5
-1.46%
0.0
91.3%
0.0
-21.4%
0.0
128.5%
5.0
1.2%
4.0
1.53
1.26
268
282
8.4%
1.5
-6.0%
0.5
-0.43%
0.0
65.2%
1.5
20.1%
2.0
na
2.0
4.5%
2.5
1.78
1.25
251
283
na
2.0
P-L
0.0
-10.29%
0.0
176.2%
0.0
88.6%
5.0
na
2.0
na
2.0
2.76
1.25
86
283
6.5%
1.0
-41.3%
0.5
-2.78%
0.0
52.8%
3.0
29.7%
2.5
58.0%
2.5
13.7%
0.5
1.75
1.21
254
285
10.4%
2.5
-89.3%
0.5
-1.66%
0.0
95.9%
0.0
25.5%
2.5
49.9%
2.0
11.7%
1.0
1.95
1.21
226
285
9.4%
2.0
-12.0%
0.5
0.03%
0.5
74.4%
1.0
33.3%
3.0
34.6%
1.5
8.3%
1.5
1.35
1.20
286
287
9.2%
2.0
-27.3%
0.5
0.62%
1.5
69.8%
1.5
26.7%
2.5
31.8%
1.5
6.7%
2.0
1.23
1.19
292
288
9.7%
2.0
-52.5%
0.5
0.11%
0.5
67.6%
1.5
3.3%
0.0
38.7%
1.5
5.4%
2.0
1.95
1.09
226
289
7.8%
1.0
P-L
0.0
-0.46%
0.0
106.5%
0.0
29.3%
2.5
36.4%
1.5
2.8%
3.0
1.39
1.04
281
290
6.5%
1.0
-31.6%
0.5
-4.38%
0.0
66.0%
1.5
5.2%
0.5
49.2%
2.0
5.7%
2.0
1.58
0.94
264
291
5.7%
0.5
-17.3%
0.5
-1.57%
0.0
62.5%
2.0
23.2%
2.0
28.5%
1.0
9.0%
1.5
1.39
0.90
281
292
6.0%
1.0
P-L
0.0
-1.83%
0.0
131.5%
0.0
20.6%
2.0
92.1%
4.5
8.1%
1.5
2.04
0.90
212
292
-2.8%
0.0
-59.2%
0.5
-6.71%
0.0
84.1%
0.0
63.9%
5.0
73.2%
3.5
22.9%
0.0
1.83
0.88
246
294
9.0%
2.0
-42.5%
0.5
-5.15%
0.0
68.1%
1.5
3.5%
0.0
42.1%
2.0
4.3%
2.5
1.41
0.88
280
294
7.4%
1.0
-6.6%
0.5
0.32%
1.0
68.2%
1.5
5.9%
0.5
34.1%
1.5
8.4%
1.5
0.75
0.86
300
296
1.1%
0.5
L-L
0.0
-4.32%
0.0
na
2.0
na
2.0
na
2.0
10.8%
1.0
1.13
0.83
296
297
8.9%
1.5
P-L
0.0
-1.89%
0.0
897.6%
0.0
-485.1%
0.0
na
2.0
4.9%
2.5
1.90
0.76
236
298
6.7%
1.0
-66.4%
0.5
-4.41%
0.0
56.7%
2.5
0.9%
0.0
27.6%
1.0
8.1%
1.5
1.21
0.73
293
299
9.4%
2.0
P-L
0.0
-4.52%
0.0
183.5%
0.0
-169.5%
0.0
na
2.0
6.0%
2.0
1.38
0.65
284
300
ISSUE 72
The Asian Banker
69
9/17/07 11:48:10 AM
Country Capsules
Australia
15 banks in the AB300. Total assets:$1453.7bn. Total net profit:$15.7bn.
Rank
Commercial Bank
1
2
3
4
5
6
7
8
9
10
Macquarie Bank
St. George Bank
Suncorp-Metway
Adelaide Bank
Assets
($m)
Net Profit
($m)
ROE
ROA
CAR
361,645
273,963
250,482
223,482
110,557
79,822
42,582
36,005
19,455
12,429
3,835
2,939
2,754
2,331
1,257
794
680
152
70
243
21.7%
18.4%
18.9%
20.5%
27.1%
19.9%
18.9%
9.6%
16.2%
17.8%
1.1%
1.1%
1.2%
1.1%
1.3%
1.1%
1.7%
0.5%
0.4%
1.8%
10.8%
9.7%
10.6%
9.6%
15.5%
10.8%
12.3%
na
10.8%
na
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
0.4%
0.1%
0.3%
0.2%
0.3%
0.1%
0.3%
na
0.1%
0.0%
10
12
13
14
28
42
72
85
145
188
5
7
8
2
14
29
24
121
157
127
Australia: Smooth sailing
70
The Asian Banker
lar banks’ delivered mixed performance:
Sydney-based lenders CBA and Westpac
disappointed with only 8.1 and 7.3
percent growth, while Melbourne-based
lenders NAB and ANZ reported healthy
25.1 and 19.3 percent growth in their
respective net interest incomes.
The regional banks, who have
been trying to give the big four a run
for their money, showed consistent
double-digit growth in net interest
income, with the exception of Adelaide
Bank. In many respects, the standout
over-achiever among the regional play-
Australian banks enjoy the best revenue mix compared to their Asian peers
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
Net Interest Income/Total Operating Income
na
hi
C
d
In
do
ne
sia
So
ut
h
Ko
re
a
la
n
ai
Th
Ta
iw
an
In
di
a
0%
Au
str
al
ia
Ho
ng
Ko
ng
M
al
ay
sia
Sin
ga
po
re
lthough Australia only has 15
banks in the AB300, their $1.5
trillion in assets are significantly higher
than other economies with a similar
number of banks on the list. Hong
Kong’s 15 banks have $827.6 billion in
assets, South Korea’s 14 oversee nearly
$1.1 trillion and Malaysia’s 16 banks
manage a mere $303.9 billion.
Bank performance has been characteristically strong in Australia’s October 2005 to September 2006 reporting year, despite signs of a growing real
estate bubble and regulator concerns
that consumers may be spending beyond their means.
Australia’s top five banks in terms
of assets all showed double-digit asset growth compared to last year’s
results, with only Commonwealth
Bank of Australia falling just shy at
9.4 percent.
Profitability from lending operations
also surged as the year-on-year change
in banks’ net interest income soared,
although the country’s largest ‘four pil-
Revenue mix (%)
A
Non-interest Income/Total Operating Income
ISSUE 72
9/17/07 11:48:45 AM
ers was St. George Bank. Besides an
impressive 122.4 percent growth in net
interest income, the bank posted 119.4
percent net profit growth and 25.5
percent asset growth despite taking a
25.1 percent hit on its deposit base.
Australian business models are
proving more robust than many of the
region’s banks with lenders showing
very high levels of non-interest income to total operating income ratios.
While the big four saw levels ranging
from 31.6 to 44.1 percent, Macquarie
went as high as 85.7 percent. Australian banks compare favourably with
other large markets like South Korea,
where the percentage of income from
non-lending activities can go as low
as 5.2 percent and will not exceed
21.9 percent.
But the healthy balance of lending
and fee-based incomes of Australian
banks was tempered by relatively high
cost to income ratios with nearly two
thirds of the banks in the AB300
topping 50 percent and six of them
surging beyond 60 percent.
Among the banks’ traditional
strength indicators, NPLs have fallen
to a historic low, ranging between
0.1 percent for most banks to the
occasional 0.3 or 0.4 percent, while
capital adequacy ratios are generally
well beyond 10 percent.
As a result of their strong fundamentals, many of the banks have been able
to report double-digit annual growth.
Australian banks have shown strong
returns on assets as well, with the larger
banks all north of one percent, while
the smaller banks often register half that
percentage. Clearly the regional lenders
will need to consolidate if they hope to
threaten the country’s largest banks, but
so far there are not many indications
that this trend will emerge.
Australia’s four largest banks would
like to overturn the country’s ‘four pillars’ policy which forbids them from
merging with each other. If such a
historic merger does indeed happen,
Australia may become the launch pad
for a much larger scale international
bank than ANZ, who has acquired
banks in seven markets around Asia.
Perhaps it is no coincidence that ANZ
has hired Mike Smith, industry-respected former head of HSBC’s Asia
Pacific operations and global SME
business, as its new CEO.
China
Rank
Commercial Bank
1
2
3
4
5
6
7
8
9
10
Bank of China
China CITIC Bank
Industrial Bank
Assets
($m)
Net Profit
($m)
ROE
ROA
961,783
697,856
684,463
682,071
220,235
119,642
90,536
89,715
88,293
79,117
6,319
5,933
744
6,039
1,571
910
477
491
429
486
13.5%
15.0%
7.1%
13.9%
14.1%
17.5%
13.4%
22.1%
16.5%
26.2%
0.7%
0.9%
0.1%
0.9%
0.8%
0.9%
0.6%
0.6%
0.5%
0.7%
CAR
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
14.1% 3.8%
12.1% 3.3%
-17.6% 23.4%
13.6% 4.2%
10.8% 2.5%
11.4% 2.1%
9.4% 2.5%
8.1% 1.2%
9.3% 1.8%
8.7% 1.5%
3
5
6
7
16
25
33
35
36
43
77
51
237
45
66
13
47
53
26
90
China: Reform rally
C
hina’s explosive economy is truly
extraordinary. Stellar growth rates
that averaged around 10 percent over
the last decade have helped bankers
grow their businesses. The swelling
ranks of SMEs and corporations operating in China combined with the
country’s increasing personal wealth
have created a lot of opportunities for
banks to cash in on.
China added six more banks to
this year’s AB300 ranking for 30 in
ISSUE 72
The Asian Banker
71
9/17/07 11:48:48 AM
Country Capsules
The ‘big four’ improved their capital adequacy and asset quality in 2006
30%
25%
CAR & NPL Ratio (%)
20%
15%
10%
5%
0%
CCB
-5%
BOC
ICBC
ABC
CCB
BOC
Capital adequacy ratio
ICBC
ABC
NPL ratio
-10%
-15%
-20%
2005
2006
total, compared to 24 in 2006 and 20
in 2005. Total assets among these 30
institutions stood at $4.1 trillion for
the fiscal year ending December 2006.
Net profits hit $25 billion, and the top
ten banks controlled 90.4 percent of
assets and 93.4 percent of net profits.
Industrial and Commercial Bank
of China (ICBC) was once again the
number one ranked Chinese bank
and saw assets climb 16.3 percent to
$961 billion while net profits rose
30.3 percent to $6.3 billion, the
second highest among Asian banks.
ICBC also climbed one slot in the
overall AB300 ranking to number
three the same year it had its record
breaking $21.9 billion Hong Kong
and Shanghai IPOs.
Higher loan quality and fee revenue bolstered government recapitalized state-owned banks. Bank of
China, whose pair of IPOs in 2006
drew $13.7 billion, saw net profits
rise 44.7 percent to over $6 billion
while its NPL ratio fell to 4.2 percent from 4.6 percent. ICBC’s NPL
72
The Asian Banker
ratio dipped to 3.8 percent from 4.7
percent, with non-interest income
jumping 55 percent to $2.1 billion
or nine percent of its total operating
income for the year.
Raising the stakes
Foreign institutions who entered
China as local investors or product
partners, but have
since been given the
green light to set up
or expand solo operations following the
country’s full market
opening in December
2006, are pushing
domestic players to
up the ante. Ten overseas banks have been
approved for local
incorporation and
given yuan denominated service rights.
State-owned giant Agriculture
Bank of China (ABC) is being primed
for reform and could be listed as early
as next year. Among the signs is a
proposed $40 billion cash injection. As
one of China’s four large state-owned
banks, its importance is unquestionable, especially given its access to rural
areas. But its underperformance is
glaring and in sore need of attention,
in particular its -17.6 percent capital
adequacy ratio, 23.4 percent NPL
level and 93.7 percent cost to income
ratio. Its asset growth of only 12 percent, when compared to that of all of
China’s other lenders, shows that this
under-achiever has yet to capitalise on
market opportunities.
Reform is also planned for China
Everbright Bank—it has a 7.6 percent NPL ratio and is scheduled for a
reported $2.6 billion bailout—while
a consortium of investors led by
Citigroup is giving similar attention
to Guangdong Development Bank.
China Development Bank is among
the policy banks earmarked to become
a full-fledged commercial institution
and has been promised $20 billion
in restructuring capital. While still in
the early stages, reform plans all point
to a more cut-throat
banking landscape,
which authorities
envisage will lead to
some bloodletting
but should ultimately
build stronger, more
effective institutions.
But Chinese
banks still face trouble differentiating
products and services. Foreign players have shown how
strong customer
service and tailored products can
bolster a brand. China’s banks are
still playing catch up.
“China added six
more banks to
this year’s AB300
ranking for 30 in
total, compared
to 24 in 2006 and
20 in 2005”
ISSUE 72
9/17/07 11:48:49 AM
Hong Kong
Assets
($m)
Rank
Commercial Bank
1
2
3
4
5
6
7
8
9
10
Hongkong and Shanghai Banking Corporation 406,112
117,778
86,236
Hang Seng Bank
50,401
37,920
Bank of East Asia
27,337
Industrial and Commercial Bank of China (Asia) 18,868
15,744
Wing Hang Bank
12,841
Dah Sing Bank
12,085
Net Profit
($m)
ROE
ROA
CAR
5,491
1,809
1,591
777
449
402
161
214
148
214
22.0%
18.1%
29.0%
22.6%
13.7%
18.1%
12.2%
18.8%
14.0%
13.5%
1.5%
1.6%
2.0%
1.7%
1.3%
1.6%
1.0%
1.5%
1.2%
1.9%
41.5%
30.9%
28.9%
42.8%
43.2%
43.7%
35.4%
35.8%
43.0%
29.5%
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
0.8%
0.6%
0.5%
0.4%
0.7%
1.5%
1.2%
0.6%
0.5%
1.2%
9
26
37
63
81
110
149
168
185
189
1
16
4
16
5
58
20
28
19
38
Hong Kong: Liquid land
profit margins particularly for smaller
players. Meanwhile, banks have been
exploring other business sectors such
as securities brokerage, SME lending
and management services, which have
become the main drivers of nonfunded income.
The China boom
As staunch competition has resulted in
shrinking profit margins, Hong Kong
banks have relied on China’s booming economy to boost growth⎯they
are all employing more aggressive
cross-border loan expansion strate(Continued on page 74)
Loans for use outside HK grew much faster than loans for use in HK in 2006
(HK$bln)
H
ong Kong banks enjoyed a
profitable 2006. The special administrative region’s 15 banks in the
AB300 impressively grew aggregate
net profit by 14.3 percent. Total assets
increased by 16.1 percent during the
same period.
While the top three banks in terms
of assets saw net profit expand 10.4
percent, the twelve smaller banks on
the list enjoyed an average growth
rate almost triple that at 28 percent,
partially due to the rising interest
spread. However, given 2007’s slower
economy and fewer large IPOs, smaller
players will suffer from higher funding costs, which is likely to lead to
squeezed profit margins. Rising costs
remain an issue for all banks, but new
provisions remain low and are proving
to be a key profit driver.
Although net interest income exhibits strong growth, competition has
been fierce and liquidity plentiful. The
price war has continued to intensify in
the mortgage market, further pressing
2500
60%
2000
45%
1500
30%
1000
15%
500
0%
0
-15%
2003
2004
2005
Loans for use in HK
Loans for use outside HK
Loan growth for use in HK
Loan growth for use outside HK
ISSUE 72
2006
The Asian Banker
73
9/17/07 11:48:50 AM
Country Capsules
gies. For example, Hang Seng Bank’s
loans for use outside Hong Kong
(for businesses that invest outside of
Hong Kong’s borders) surged by 39.8
percent to HK$22.2 billion ($2.85
billion) in 2006,
largely due to the
50.9 percent rise
in lending by its
mainland branches.
Hong Kong banks’
loans to companies and individuals
investing in China have more than
doubled between 2002 and 2006 to
almost 10 percent of banks’ total loan
books, according to an estimate by
Fitch Ratings.
This trend will likely persist as
Hong Kong banks continually gain
more access to mainland customers following the
opening of China’s
banking industry in December
2006. And as more
Chinese companies list in Hong Kong, banks have
also begun to aggressively lend to
well-credited ‘red-chip’ companies,
contributing to a 42 percent growth
“Banks still need to
be on their toes”
in loans for use outside the country.
Conversely, loan growth for use
within the country is increasing at a
much more conservative 2.7 percent,
according to the Hong Kong Monetary Authority.
Although the improving credit
environment and banks’ prudent
credit policies have brought down
NPL ratios continuously over the
past few years, banks still need to be
on their toes, paying extra attention
to mainland loan books which grow
fast but pose risks that are difficult
to understand.
India
28 banks in the AB300. Total assets:$714.9bn. Total net profit:6.4bn.
Rank
Commercial Bank
1
2
3
4
5
6
7
8
9
10
State Bank of India
ICICI Bank
Canara Bank
Bank of Baroda
Bank of India
Union Bank of India
HDFC Bank
Syndicate Bank
Assets
($m)
Net Profit
($m)
ROE
ROA
CAR
187,010
90,465
38,207
38,041
32,839
32,483
23,555
21,337
20,912
20,481
1,519
604
352
357
235
258
194
114
262
164
16.0%
11.0%
16.6%
14.9%
12.4%
20.7%
17.3%
13.8%
19.7%
22.2%
0.9%
0.8%
1.0%
1.0%
0.8%
0.9%
0.9%
0.6%
1.4%
1.0%
12.4%
11.7%
13.5%
12.3%
11.8%
11.6%
12.8%
10.4%
13.1%
11.7%
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
2.6%
2.0%
1.5%
3.5%
2.5%
2.4%
2.9%
4.8%
1.3%
3.0%
18
34
79
80
96
99
123
130
136
138
47
26
34
41
62
89
79
179
18
49
India: Growing Pains
I
ndia’s banks are growing in size and
stature. Two more banks made it on
to this year’s AB300 list, highlighting
the rapidly developing market that
has benefited from strong economic
fundamentals. There are now 28 Indian banks among the rankings with
cumulative assets of $714.9 billion
and a total net profit of $6.4 billion
74
The Asian Banker
based on financials from the fiscal year
ending March 2007.
State Bank of India (SBI) topped
the list with assets exceeding $187
billion, more than double the next
Indian bank. SBI’s assets increased
by 17 percent compared to last year’s
report. Net profit surged 16.9 percent
to $1.5 billion on the back of strong
total loan and deposit growth, both
of which experienced double-digit
percentage increases.
ICICI Bank and Syndicate Bank
ratcheted up their assets, recording
respective increases of 42.2 and 46.2
percent. Net profit for ICICI Bank
increased by 9.8 percent to $604m,
while Syndicate Bank’s moved up 33.5
ISSUE 72
9/17/07 11:48:51 AM
Indian banks’ non-performing asset ratio is at record lows
16%
14%
10%
8%
6%
4%
2%
0%
Mar-01
Mar-02
Mar-03
Mar-04
Mar-05
Mar-06
Mar-07
The outlook for India’s retail
banks is particularly rosy thanks
to a young population, rapid urbanization and rising income levels.
Retail banking should continue to
grow at a compounded rate of 25
to 30 percent until 2010 based on
these fundamentals.
Strong loan growth is boosting profits and reducing excess liquidity
80%
25
70%
Net Interest Income ($ billion)
percent to $164m. Central Bank of
India’s net profit skyrocketed 93.5 percent to $114m, representing the fastest
growth among the top ten banks.
Most of the major banks saw both
improved capital adequacy ratios and
decreasing NPLs. The Reserve Bank of
India (RBI) will continue to fine-tune
regulatory and supervisory initiatives
to ensure asset quality by tightening
provisioning requirements.
The banking sector will also have
to migrate to Basel II in a phased approach starting in March 2008. The
regulator wants banks to raise best
practices in line with foreign banks.
Basel II will pose some challenges but
could be an opportunity for banks to
improve risk management systems and
capital adequacy.
Meanwhile, banks should continue
to benefit from a strong profit story
and growing asset base because of everhigher GDP growth rates. Savings,
investments and loans have proved
rich pickings for all the banks on the
AB300 list.
20
60%
50%
15
40%
10
30%
20%
5
10%
0
2003
Net Interest Income
2004
2005
YoY Loan Growth
0%
Loan-to-deposit Ratio
ISSUE 72
2006
Loan Growth & Loan-to-deposit Ratio
Gross NPA Ratio
12%
A study by the Associated Chambers of Commerce and Industry of India (Assocham) shows that retail lending has increased by over 30 percent
for the fiscal year 2006/2007. But concerns about volatile financial markets
contributing to a rise in delinquencies
will result in the RBI monitoring the
retail sector more closely.
Most customers in India are firsttime borrowers with no credit history. This lack of data on borrowers
in the mortgage and personal loan
market, coupled with poor service
quality in banks, remain significant
issues for the industry. A key challenge for Indian banks in coming
years will be maintaining retail
credit quality. Improving credit history data on existing and potential
customers is key.
Finally, the perennial problem of
finding the right talent for crucial
positions in both state-owned and
private banks will continue to plague
the sector and could prove to be a drag
on some business segments.
The Asian Banker
75
9/17/07 11:48:52 AM
Country Capsules
Indonesia
Rank
1
2
3
4
5
6
7
8
Commercial Bank
Bank Mandiri
Bank Central Asia
Bank Niaga
Bank Pan Indonesia
Assets
($m)
Net Profit
($m)
ROE
ROA
29,764
19,671
18,849
17,215
9,131
5,908
5,179
4,508
270
472
215
474
161
76
72
81
9.8%
25.0%
14.4%
28.2%
15.7%
12.8%
14.8%
12.2%
0.9%
2.6%
1.2%
3.1%
1.9%
1.3%
1.5%
1.9%
CAR
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
25.3% 16.3%
22.2% 1.3%
16.0% 10.5%
18.8% 4.8%
22.4% 3.2%
23.3% 4.6%
16.7% 3.5%
31.7% 8.0%
105
142
150
159
228
271
283
298
166
20
185
70
104
162
127
104
Indonesia: M&A Madness
76
The Asian Banker
acquired seven small banks over the
past two years.
The central bank’s new capital
adequacy regulations requiring banks
to hold a minimum of 100 billion
rupiah by 2010, a 20 percent increase
from the current minimum capital requirement of 80 billion rupiah, should
speed up the process. Smaller banks are
The major trend in the Indonesian banking landscape is the acceleration of mergers and acquisitions
driven by the central bank’s new
regulatory requirements, which aim
to reduce the number of banks from
130 to about 80. And merger and
acquisition activity is not just limited
to local banks, as foreign banks have
Indonesian banks have contained the upward trend of NPLs in 2006
60
8%
50
7%
40
6%
30
5%
20
4%
10
3%
0
NPL Ratio (%)
ndonesia’s eight largest banks experienced an average 12.5 percent growth
in assets and 21.4 percent growth in
profit, boosting respective total assets
and profit to $110 and $1.8 billion.
Bank Rakyat Indonesia (BRI) posted
the best aggregate profit at $474m, just
edging out Bank Central Asia’s $472m.
It also had the best return on equity
(28.2 percent) and assets (3.1 percent)
among the AB300’s listed banks.
Bank Mandiri remained Indonesia’s largest in 2006, growing assets
by 1.6 percent and net profit by 300
percent in 2006, recovering strongly
from a dismal 2005. The bank is also
the country’s largest loan issuer with
the biggest deposit base.
Indonesian banks featured in the
AB300 increased total loans at an
average rate of 13.1 percent to $47.6
billion. Panin Bank increased loans
issued to $2 billion and posted the
highest growth at 28.4 percent. Positive loan growth rates coupled with
decreasing NPL ratios should put
Indonesian banks on a more stable
operating platform.
NPLs (Rp trillion)
I
2%
2002
2003
2004
Non-performing Loans
2005
2006
NPL Ratio
ISSUE 72
9/17/07 11:48:52 AM
Faster downward deposit rates led to comfortable margin for Indonesian banks
18%
16%
Interest rate (%)
14%
12%
10%
8%
6%
4%
2%
0%
Dec-05
Mar-06
Interest spread
Jun-06
Sep-06
Dec-06
Base lending rate
Mar-06
Jun-06
Time deposit rate (1-m)
unlikely to be able to raise additional
capital, so most will have to sell to
one of the larger banks or merge with
several other smaller players.
Bank Indonesia, the central bank,
has also issued a ‘single presence policy’,
mandating investors who own shares
in more than one bank to divest their
holdings, merge their assets or set up
a holding unit. The goal is to encourage speedier consolidation, which will
ultimately make the sector more competitive and efficient, as economies of
scale will reduce banks’ cost to income
ratios. The increase in deposit levels
will then lower cost of funds.
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ISSUE 72
The Asian Banker
77
9/17/07 11:48:56 AM
Country Capsules
Japan
Rank
Commercial Bank
1
2
3
4
5
6
7
8
9
10
Norinchukin Bank
Resona Holdings
Shoko Chukin Bank
Bank of Yokohama
Assets
($m)
Net Profit
($m)
ROE
ROA
CAR
1,502,274
1,234,395
825,641
577,296
331,617
220,721
170,702
120,212
97,152
93,071
8,319
6,010
4,247
2,185
5,750
333
694
1,008
109
559
9.7%
11.1%
9.3%
6.2%
36.4%
4.4%
7.2%
11.4%
2.0%
9.6%
0.6%
0.5%
0.5%
0.4%
1.7%
0.1%
0.4%
0.8%
0.1%
0.6%
12.6%
12.5%
11.3%
12.9%
10.6%
20.1%
12.3%
12.1%
8.0%
11.1%
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
1.8%
1.8%
1.8%
2.3%
2.8%
0.2%
1.0%
1.8%
6.3%
2.5%
1
2
4
8
11
15
20
24
31
32
110
154
150
14
145
54
85
87
183
151
Japan: Waiting to be unseated
apan is still Asia’s largest economy
and continues to dominate the
AB300 with 109 banks among the
rankings. However, Japan’s preeminence is slowly being eroded by
other banks in the region with dynamic, red-hot economies. In 2005
there were 121 Japanese banks in the
AB300. The figure shrunk to 115 in
last year’s report.
While the banks turned their
2005 losses around to show profit
in 2006, the financial year ending
March 2007 saw profit decrease by
14.1 percent to $35.9 billion. ROA
for 2007 also dipped to 0.47 percent
from the previous year’s 0.5 percent.
Japanese banks’ declining performance can be attributed to lower interest in loans from corporations and
thinning margins.
The largest banks also suffered
huge profit losses related to the government’s September 2006 mandate
that consumer finance companies
reduce interest rates from 29 to
78
The Asian Banker
While only six banks declared
losses, nearly half of them reported
lower profits in the year ending March
2007 than in the previous year. Most
of the top ten banks saw profit shrinkage with only Resona Holdings—the
last mega-bank to have repaid its gov-
20 percent. The hit to consumer
finance companies’ business forced
banks that had previously taken
large holdings in these companies,
or run consumer finance businesses
of their own, to support them with
capital injections.
Chinese banks may overtake Japan’s largest banks by 2011
1800
1600
1400
Assets ($bn)
J
1200
1000
800
600
400
200
0
2002
2003
2004
2005
2006
2007f
2008f
2009f
2010f
Mizuho FG
Mitsubishi UFJ FG
2011f
ISSUE 72
9/17/07 11:48:58 AM
Mega banks and trust banks are stronger than regional banks
14%
12%
10%
8%
6%
4%
2%
0%
ROA
Gross NPL Ratio
Average of Mega financial holdings and trust banks
CAR
Average of Regional Banks
ernment loans—showing significant
profit growth.
Although the two largest banks
in the AB300 are still Japanese, they
are soon to be unseated. Of the four
Japanese banks in the top ten, only
one—Mizuho—is seeing asset growth,
albeit a measly 0.9 percent. By contrast, the four Chinese banks in the
top ten are seeing growth rates ranging
from 12 to 18.8 percent. China should
take the AB300’s top spots from Japan
by 2011.
Dismal asset growth is not just
limited to Japanese mega-banks—
over a quarter of Japan’s banks in the
AB300 have seen asset shrinkage,
and 14.7 percent show less than one
percent growth. Only four banks, all
among the county’s larger lenders,
showed double digit growth, led
by the otherwise troubled Shinsei
Bank. A similar trend is evident in
deposit taking.
Of greater concern is the fate of
regional players like Ashikaga Bank,
the last ‘failed’ bank nationalised in
late 2003. Despite managing to bring
NPLs down somewhat, the bank has
been showing smaller and smaller
profits. Besides Ashikaga Bank, many
others are fighting to recover from the
decade that left them behind—while
most of the country’s biggest banks
have paid off their loans to the government, a lot of the regional players
have yet to solidify business improvement plans.
Rehabilitating these banks, a cluster of small lenders that still control
40 percent of
the country’s
assets, will be
a key part of
the country’s
greater macroeconomic
resuscitation.
Japan’s regional
economic enclaves, still hard-hit by
demographic shifts and natural disasters, are now also sensitive to political
power changes, as evidenced by the
2007 Upper House election where dis-
sent from rural areas caused the ruling
Liberal Democratic Party (LDP) to
lose its majority in the house for the
first time ever.
Though the country’s long serving
Prime Minister Koizumi Junichiro
reformed the most over-arching
elements of the country’s financial
services infrastructure, including the
mega-banks and the Postal Bank, his
successors will face an even greater
challenge. Shinzo Abe, who resigned
in September 2007 after criticism over
his failure to push financial reforms,
was not up to the task. The next prime
minister will need to focus on solidifying his power base and reinvigorating
the stagnant economy, so regional
bank problems are likely to remain on
the backburner.
Thankfully the private sector may
be able to lend a helping hand. Foreign private equity players did, after
all, turn around three of Japan’s failed
banks early in the decade, and there
is no reason why they couldn’t do so
again. Investors are reportedly casting
their eyes on regional lenders such as
Ashikaga Bank.
Moreover, the stronger regional
banks are beginning to think about
consolidation. Fukuoka Financial
Group, who already bought
Kyushu’s Fukuoka Bank and
Kumamoto
Family Bank
and just finalised the acquisition of Shinwa
Bank this year, will overtake Bank
of Yokohama as the country’s largest
regional lender, a move that could
encourage stronger regional banks to
do the same.
“Regional bank
problems are likely
to remain on the
backburner”
ISSUE 72
The Asian Banker
79
9/17/07 12:11:16 PM
Country Capsules
Malaysia
Rank
Commercial Bank
1
2
3
4
5
6
7
8
9
10
Maybank
Public Bank
RHB Bank
AMMB Holdings
Hong Leong Bank
EON Bank
Citibank (Malaysia)
Assets
($m)
Net Profit
($m)
ROE
ROA
61,014
45,218
41,870
26,949
19,660
16,490
11,616
11,164
11,085
10,841
780
456
509
181
130
150
195
63
127
171
16.7%
13.5%
21.3%
10.9%
8.8%
12.5%
28.5%
7.0%
26.6%
37.1%
1.4%
1.2%
1.4%
0.7%
0.7%
0.9%
1.8%
0.6%
1.2%
1.6%
CAR
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
13.3% 6.7%
13.6% 8.9%
14.6% 1.9%
12.1% 7.4%
13.9% 13.0%
17.5% 4.7%
10.9% 2.2%
12.9% 6.8%
13.2% 4.0%
11.6% 3.0%
52
71
73
112
143
165
194
199
202
207
11
22
11
64
75
76
23
160
84
121
Malaysia: Ripe for restructure
M
alaysia’s banking industry remains stable riding on a wave
of better returns on equity and assets in the financial year 2006, when
Malaysian banks grew their assets by
an average 18.4 percent. Bumiputra
Commerce Holdings enjoyed the
highest asset growth at 40.6 percent
due to the merger of Southern Bank
and Bumiputra Commerce Bank
(BCB) under the CIMB name, while
Public Bank posted the second highest growth in assets at 32.3 percent, a
strong performance indicator on top
of its 33 percent increase in its deposit
base and 23.9 percent growth in lending. Asset quality among Malaysian
banks on the AB300 list improved
in 2006—all showed decreased NPL
ratios with the exception of AMMB,
Standard Chartered Bank, Affin Bank
and BIMB.
As expected Maybank, Malaysia’s
largest lender, enjoyed the highest net
profit among the country’s 16 banks
in the AB300, posting a figure of
$780m up 12.6 percent from last year.
Notably, AMMB increased net profits
by 66.4 percent to $130m.
Consolidation and restructuring
remain key issues
in the sector. In
addition to activity at CIMB and
AMMB, stateowned retirement
fund Employees
Provident Fund
acquired a controlling stake in
RHB, and ANZ’s
investment in AMMB. Further merger
and acquisition buzz seems imminent
with state-owned investment fund Permodalan Nasional Berhad buying into
investment bank MIDF, and private
equity players Newbridge Capital and
Primus Pacific Partners keen to acquire
stakes in EON bank.
Competition among banks has
intensifi ed as consumers have become increasingly product and price
savvy. As a result, margins are being
squeezed and interest rate wars prevail
especially in mortgage and automobile lending. Banks are responding
by shifting focus from interest to fee-based
income. AMMB
and HSBC are
leading the pack
with a non-interest income to
total operating
income ratio of
51.7 and 48.6
percent respectively.
The growth of Islamic banking
in Malaysia remains a key aspect of
the banking landscape. Shariah loans
grew by 12 percent year-on-year as of
December 2006 to $22.2 billion with
deposit levels up 25 percent, spiking
at $23.25 billion.
The central bank has undertaken
initiatives to further Malaysia’s
prowess as the world’s Islamic bank-
“The growth of
Islamic banking in
Malaysia remains a
key aspect of the
banking landscape”
80
The Asian Banker
ISSUE 72
9/17/07 11:48:59 AM
60
8%
55
7%
50
6%
45
5%
40
1Q05
2Q05
3Q05
4Q05
1Q06
2Q06
3Q06
4Q06
NPL Ratio (%)
Asset quality has been improving consistently across Malaysia’s banking sector
NPLs (RM billion)
ing hub such as the introduction
of tax incentives for Islamic banks.
The government also recently
started issuing licenses for international currency business units in
Islamic banks.
Several major banks have started to
operate on a full Islamic licence, notably CIMB Islamic, HSBC Amanah
and Al Rajhi Bank. Maybank is also
expected to launch its Islamic offering
in the near future.
Overall, the sector should remain
strong with heightened asset quality on
the horizon. Risk management practices should improve in accordance
with Basel II implementation.
4%
NPL Ratio (3-month)
NPLs
Philippines
Rank
1
2
3
4
5
6
Commercial Bank
Banco de Oro-EPCI
Assets
($m)
Net Profit
($m)
ROE
ROA
13,242
11,878
7,458
6,214
4,969
4,567
124
188
76
64
17
39
10.2%
14.7%
11.1%
14.0%
3.4%
12.1%
1.0%
1.7%
1.1%
1.2%
0.4%
0.9%
CAR
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
17.7% 7.0%
15.9% 7.4%
21.4% 8.1%
15.9% 5.4%
19.6% 19.9%
20.3% 8.2%
181
191
245
266
288
296
78
114
166
57
171
127
Philippines: Pleasant resurgence
T
he six Philippine commercial
banks in the AB300 posted a
22.8 percent profit increase and 13.9
percent total asset expansion in 2006.
Bank of the Philippine Islands (BPI),
the country’s second-largest lender,
posted the highest net profit in 2006 at
$188m, a 7.5 percent increase over the
previous year. However, Rizal Commercial Banking Corporation (RCBC),
who made its AB300 debut this year,
is the fastest mover: net earnings of the
country’s sixth-largest bank in terms of
assets surged 88.5 percent to $39m.
Asset quality in Philippine banks
improved in 2006. NPL ratios continued to shrink after banks disposed
of bad loans with Bangko Sentral ng
Pilipinas (BSP), the country’s central
bank, who extended its special purpose
vehicles (SPV) law for two more years
from May 2006 to offer tax incentives
for asset management companies purchasing banks’ bad assets. Philippine
commercial banks’ NPL ratios stood
at 4.8 percent in 2006, the lowest
level in the past nine years according
to the BSP.
However, banks’ average capital
adequacy ratio stood at around 18
ISSUE 72
The Asian Banker
81
9/17/07 11:49:00 AM
Country Capsules
Rapid loan growth is a major factor in reducing NPL ratios
390
16%
14%
380
12%
Billion Pesos
370
10%
8%
360
6%
350
4%
340
2%
330
0%
-2%
320
-4%
310
2003
2004
Total gross loan
2005
2006
Loan growth
-6%
NPL ratio
percent at the end of 2006, one of
the highest in the region. This suggests that banks have the resources to
accelerate consolidation in a market
that is in need of reform. The merger
of Banco de Oro and Equitable PCI
Bank, a mega-deal hammered out
in 2006, should also provoke more
interest in consolidation in the coming years.
Meanwhile, most Philippine banks
continue to gain substantially on their
large holdings of long-term, fixed-rate
government papers. Overseas remittances and trust sales also contribute
to strong fee incomes.
The booming economy has stimulated consumer demand and SME
credit needs, which had been stagnant
for many years. In the mortgage market, an increasing number of overseas
Philippine workers came back to buy
residential property, which drove loan
demand. The country’s burgeoning
call centre industry has also created
a huge need for commercial offices,
boosting opportunities for banks to
finance new building development.
Together with relatively wide margins,
these factors have made 2006 a fruitful
year for Philippine banks. However, as
competition heats up and the interest
rate environment grows increasingly
unfavourable, smaller Philippine banks
will feel the pain of narrowing margins
and higher operational costs, increasing
incentives for mergers and acquisitions.
There were six mergers in 2006 alone,
and the trend has continued in 2007.
One of the most anticipated deals is
Philippine National Bank’s likely merger
with Allied Banking to form the country’s
fourth largest bank by assets.
Singapore
Rank
1
2
3
Commercial Bank
DBS Group Holdings
Assets
($m)
Net Profit
($m)
ROE
ROA
CAR
128,715
105,199
98,617
1,584
1,712
1,373
12.1%
16.2%
15.1%
1.3%
1.7%
1.5%
14.5%
16.3%
15.8%
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
1.8%
4.0%
3.0%
22
29
30
8
10
3
Singapore: Tiger tiger burning bright
T
hough Singapore only has three
banks in the AB300, their combined $332.5 billion in assets are bigger than Malaysia’s 16 banks, which
82
The Asian Banker
hold $303 billion in assets, and the
10 Thai banks that control $197.9
billion. The eight Indonesian banks
in the ranking only control a third of
what the Singaporean trio does, while
the six Philippine banks featured in the
AB300 have just fifteen percent of the
assets of DBS, United Overseas Bank
ISSUE 72
9/17/07 11:49:01 AM
Singapore: Banks are on a new profit trajectory
1.8%
1.6%
1.4%
ROA
(UOB), and Oversea-Chinese Banking
Corporation (OCBC).
For the financial year ending
December 2006, asset growth was inversely proportional to bank size. The
number three bank according to assets
grew 15.2 percent growth to $98.6
billion, putting it in striking range of
UOB, who grew assets 11.2 percent
to $105.2 billion. But DBS’s 9.5
percent asset growth, fuelled largely
by regional corporate loans, and to a
smaller extent consumer loans, is still
comfortably in the lead as the largest
bank in Singapore and Southeast Asia
with its $128.7 billion.
There was a similar inversely proportionate relationship for deposit
growth, operating expense change and
non-interest income to total operating
income ratio. For the latter, OCBC
saw 45.6 percent of its income come
from outside its lending business,
while UOB registered 38.6 percent,
and DBS 32.5 percent.
The banks earned fees from a wide
range of businesses, many of which
showed strong
g r ow t h . D B S ,
for example, saw
increases across
both retail and
investment banking. Strongest
numbers included a 33 percent
growth in stock
broking commissions, 32 percent
growth in wealth
management fees and a 28 percent rise
in credit card fees. DBS’s investment
banking fees rose 12 percent.
DBS also ruled 2006 in terms of
profitability. The bank’s net profits
increased 146.6 percent to $1.6 bil-
1.2%
1.0%
0.8%
0.6%
0.4%
2003
2004
UOB
2005
OCBC
DBS
lion, although $61m of this was from
one-off gains received from real estate
sales. Still, the bank’s profit grew at
nearly three times the rate of its two
local rivals.
On the cost side, DBS had the
lowest operating expense increase by
far at 11 percent. UOB saw its expenses rise 19.3
percent from the
previous year and
OCBC’s gre w
2 1 . 3 p e rc e n t .
OCBC recorded
a 51.6 percent
rise in profits to
$1.7 billion, but
registered only an
11 percent rise in
profit after taking into account
$364m in divestment gains.
Most significantly in 2006 was the
banks’ lack of investment in overseas
markets. Facing competition from aggressive foreign banks, each Singapore
bank pursued its own overseas strategy.
“The banks
earned fees from
a wide range of
businesses, many of
which showed
strong growth”
DBS, while the most solid regional
player, has so far faltered in attempts
to pick up equity stakes in other markets, in particular China and Korea,
and has had difficulty gaining traction
in Thailand and India despite a small
presence in both markets.
OCBC, on the other hand, made
investments in China’s Ningbo City
Commercial Bank as well as VP Bank
in Vietnam, hoping to take advantage of Singapore-based SMEs doing
business in both countries. The deal
helps VP Bank learn modern banking expertise and also bolsters risk
management. For its part, OCBC
gets a foot in the door of an emerging market and its young population.
Foreign investment is expected to
continue as the Singapore bank
actively focuses on growth opportunities in ASEAN countries outside
Singapore and Malaysia.
Meanwhile, UOB was quiet in
terms of new acquisitions but is
boosting its investments in Malaysia
and Indonesia.
ISSUE 72
2006
The Asian Banker
83
9/17/07 11:49:02 AM
Country Capsules
Balancing Cost,
Profitability and the
Customer Experience
24 - 25 October 2007 • ITC Maratha Mumbai, India
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How to maximise the payoff from Internet banking
For more information, please contact
Vasagi Suppiah
Tel: +65 6236 6517
Email: [email protected]
84
The Asian Banker
Organised by
ISSUE 72
9/17/07 11:49:03 AM
South Korea
Rank
Commercial Bank
1
2
3
4
5
6
7
8
9
10
Kookmin Bank
Woori Bank
Shinhan Bank
Hana Bank
Korea Exchange Bank
Citibank Korea
Daegu Bank
Pusan Bank
Assets
($m)
Net Profit
($m)
ROE
ROA
CAR
214,286
181,760
169,957
121,438
114,051
77,006
61,613
52,328
23,908
23,384
2,658
1,770
1,545
1,132
1,133
1,084
167
349
259
198
17.9%
15.6%
21.2%
15.7%
19.4%
16.7%
6.5%
9.9%
20.6%
15.2%
1.3%
1.1%
1.3%
1.0%
1.1%
1.5%
0.3%
0.7%
1.1%
0.9%
14.2%
11.6%
12.0%
11.9%
11.7%
12.5%
10.9%
14.0%
11.3%
11.1%
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
1.0%
1.0%
0.8%
0.7%
0.7%
0.6%
1.6%
na
0.7%
0.8%
17
19
21
23
27
44
51
60
122
124
79
32
51
49
70
56
138
213
114
82
South Korea: Increasing income
orean banks are approaching the
final stages of consolidation. With
Shinhan Financial Group’s buyout of
LG Card, which helped drive its 131.7
percent asset growth and even higher
152.9 percent loan growth in 2006,
the only major fates yet to be decided
are those of Woori Bank and Korea
Exchange Bank. But both of these
highly politicised potential deals may
have to wait until a new government
is elected in December 2007.
As aggressive lending squeezes
margins, some banks’ profitability is
rooted in tax rebates and the disposal
of investments in creditor companies during the distressed asset era.
Despite pressure to curb lending to
real estate due to government fears of
a property bubble, banks have been
pushing loans out into the SME sector. Woori Bank grew assets by 30.3
percent in 2006, while Industrial
Bank of Korea and Hana Bank grew
their respective numbers by 21.1 and
19 percent each.
Meanwhile, the sober heads at
Kookmin Bank, Korea Exchange Bank
and Citibank, allergic to price competition, kept asset growth well below
10 percent. Of the nation’s banks,
only Standard Chartered First Bank
Korea (StanChart) saw asset shrink-
age. Lending margins are flattening
for all of the banks, and net interest
income change was generally half of
asset growth or less.
With NPL ratios mainly under
one percent and provisions at historic lows, writing them back will
Accelerating loan growth failed to fuel net interest income in Korea
25%
20%
YoY Growth
K
15%
10%
5%
0%
2003
YoY Loan Growth
2004
2005
YoY Net Interest Income Growth
ISSUE 72
2006
The Asian Banker
85
9/17/07 11:49:09 AM
Country Capsules
no longer provide sufficient annual
profitability. Reporting one-off gains
is so engrained in Korean culture
that credit card firms have shown an
80 percent surge in 2007’s first half
earnings based on a corporate tax cut
and the recovery of loan-loss reserves.
Kookmin Bank and Korea Exchange
Bank are fighting to recover government-imposed penalty payments for
the merger of their respective bank
and credit card units, which would
be a similar sort of one-off income to
impress shareholders.
While Korean banks are trying to
increase their fee income, their ratio of
non-interest income to total operating
income is still low, with the majority
of banks ranging from 5.2 percent
up to the low double digits⎯Korea
Exchange Bank and Shinhan Bank are
exceptions at 21.9 and 18.6 percent
respectively. Although banks have
been fighting a flattening in their net
interest margins throughout the year,
increased competition may soon cut
into this too. Price cutting on credit
card fees has already begun, but banks
may soon begin to look closer at
wealth management propositions to
diversify business.
Costs are reasonably contained at
Korean banks, with cost to income
ratios ranging between 38.1 and 62.7
percent and most banks hovering
around 50 percent. Foreign banks
fared worse, with StanChart and Citibank reporting 64.4 and 70.2 percent
respectively. But at least Korean banks
are showing improved return on assets
(ROA), with over half of the banks
in the AB300 posting one percent or
more, unlike Japan where only four
of the 109 ranked banks broke into
single digits.
But with very high capital adequacy
ratios among Korea’s 14 ranked banks
ranging from 10.9 to 14.2 percent,
growth by acquisition is the other very
real prospect. Kookmin Bank, besides
pining for Korea Exchange Bank,
is trying to grow by buying a brokerage
and expanding its asset management
business. Other banks like Woori
are seeking similar opportunities to
boost investment banking and credit
card operations.
Taiwan
33 banks in the AB300. Total assets:$804.2bn. Total net profit:$-0.6bn.
Rank
Commercial Bank
1
2
3
4
5
6
7
8
9
10
Bank of Taiwan
Land Bank of Taiwan
Cathay United Bank
Assets
($m)
Net Profit
($m)
82,807
72,711
56,672
55,273
48,792
48,511
48,313
41,609
36,123
33,303
335
282
147
359
275
-358
335
349
-116
14
ROE
ROA
5.6% 0.4%
11.4% 0.4%
5.1% 0.3%
10.2% 0.8%
11.4% 0.6%
-14.7% -0.7%
13.3% 0.7%
14.3% 0.8%
-5.0% -0.3%
0.6% 0.0%
CAR
12.9%
10.7%
11.4%
10.3%
12.3%
10.4%
11.0%
11.2%
12.3%
11.2%
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
1.1%
1.8%
1.5%
0.7%
2.1%
1.2%
1.6%
1.7%
1.2%
1.8%
39
47
56
58
65
67
68
75
84
94
41
82
114
66
175
188
171
188
157
168
Taiwan: Survival of the largest
T
he painful effects of Taiwan’s
consumer credit crisis intensified
in 2006 with related bad loans contributing to more than 20 percent of
banks’ total assets. The 33 Taiwanese
86
The Asian Banker
banks in the AB300 reported total
losses of $605m despite 9.3 percent
total asset growth over the same period. The poor showing in 2006 follows
a rocky 2005, which saw aggregate
net profit of the 38 Taiwanese banks
in the AB300 plummet 58 percent to
$1.6 billion.
State-controlled banks such as
Bank of Taiwan, Taiwan Cooperative
ISSUE 72
9/17/07 11:49:15 AM
60
60%
50
40%
40
20%
30
0%
20
-20%
10
-40%
YoY lending growth
Taiwan banks have yet to recover from cash and credit card unsecured lending
Cards in use (million)
Bank and Land Bank of Taiwan were
generally more profitable and had
lower NPL ratios as they focused on
corporate loans, whose asset quality
improved following a period of strong
corporate earnings. Interestingly,
these banks’ poor marketing skills and
management systems seemed to be
responsible for sheltering them from
the credit fallout, as their conservative
nature was typically what kept them
from entering the unsecured personal
lending business in the first place.
But a thick hide is not a competitive advantage, and they will need to
think more about their products and
services as their more commerciallyminded private competitors recover
and move forward.
Smaller players have still been
troubled by slow recovery in the consumer-lending segment, which dominates their less diversified portfolios.
Ninety-day delinquency ratios stood
at 7.5 percent for unsecured personal
loans and 2.3 percent for credit
card receivables in July 2007.
Moreover, the rapidly shrinking unsecured personal lending
business continues to compress
interest margins. While banks
generally have to delve into other
profit-generating sectors such as
wealth management and offshore
banking to sustain their profits,
smaller lenders lacking expertise
and resources will find such a shift
more difficult.
Despite the industry’s generally
abundant liquidity, smaller players and
weakly capitalised private banks have
suffered from insufficient access to
funds. Such an uneven spread among
banks is mainly attributable to a lack
of consumer confidence compounded
by higher funding costs, as exempli-
-60%
0
2004
2005
2006
Cash cards in use
Credit cards in use
YoY growth of cash card lending
YoY growth of credit card revolving balance
fied by the run on Chinese Bank in
January 2007.
Meanwhile, foreign banks such
as Standard Chartered, ABN AMRO
and Citigroup have shaken up the
banking landscape by acquiring small,
The foreign entrants will push Taiwan’s bigger banks to respond swiftly.
But state-owned banks battling the
island’s fractious politics may not be
able to get into gear for some time.
Private banks, who have to answer
to shareholders, are under even
more pressure to react in a timely
manner. But unfortunately the
battle for control of the board
has thwarted attempts by many
family banks to begin the merger
and acquisition spree.
Increasing foreign investment
in Taiwan’s already over-banked
market has also made expansion
into China to cash in on the
growth story a necessity. But Taiwan’s government imposes strict
controls on domestic banks citing
regulatory barriers as a problem.
Venturing to China isn’t without its risks for Taiwanese banks
despite the success stories of many
other of the island’s businesses. There
is no guarantee that profits could
be made.
“But unfortunately the
battle for control of the
board has thwarted
attempts by many family
banks to begin the merger
and acquisition spree”
ailing banks to build up a regional
operation spanning Taiwan, Hong
Kong and China. As more foreign
banks enter the fray and private equity firms grow increasingly interested
in Taiwan, other smaller banks are
likely to be acquired by non-Taiwanese players.
ISSUE 72
The Asian Banker
87
9/18/07 11:46:02 AM
Country Capsules
Thailand
Rank
Commercial Bank
1
2
3
4
5
6
7
8
9
10
Bangkok Bank
Krung Thai Bank
Kasikornbank
TMB Bank
Bank of Ayudhya
Siam City Bank
Bankthai
Assets
($m)
Net Profit
($m)
41,710
33,611
28,808
26,153
20,930
18,557
11,575
6,066
5,256
5,190
502
393
379
382
-340
42
119
-124
17
84
ROE
ROA
12.7% 1.2%
16.1% 1.2%
14.9% 1.5%
16.4% 1.5%
-24.5% -1.7%
3.5% 0.2%
12.0% 1.0%
-69.2% -1.8%
2.5% 0.3%
19.0% 1.8%
Gross NPL AB300
Strength
Ratio
Rank 2007 Rank 2007
CAR
74
91
107
116
135
151
195
269
280
282
14.5% 9.3%
14.0% 9.7%
14.4% 8.0%
14.7% 5.7%
10.4% 11.7%
11.7% 13.8%
12.5% 5.5%
6.0% 8.1%
17.4% 12.0%
13.0% 2.5%
70
155
95
103
285
245
217
292
258
95
Thailand: Mixed bag
88
The Asian Banker
full income tax payments, watched its
17 percent growth in operating profits
turn into a 28.6 percent drop in net
profit. And two banks suffered massive losses: TMB Bank and Bankthai
lost $340m and $124m respectively.
Bankthai, the only Thai bank with
ordering banks to set aside additional
provisioning in order to comply with
International Accounting Standards
(IAS) 39, six of the 10 Thai banks in
the AB300 watched positive operating
profits translate into reduced net profits. SCB, also hit by a return to paying
IAS39 is driving Thai banks to increase provisioning level
12
10
8
6
4
2
ai
Ba
nk
k
an
nk
kB
Ba
Kr
Ba
un
g
ng
Th
ko
al
ci
er
om
C
Sia
m
Ba
nk
m
of
sik
Ay
or
ud
nb
hy
an
a
k
0
Ka
espite a September military
coup and armed insurgence in
the southern region, sentiment was
generally positive in Thailand where
most of the country’s banks saw a
formidable increase in assets throughout the year. Leading the way with
asset growth of 26.7 percent was the
consistent over-achiever Siam Commercial Bank (SCB), also the bank
with the largest holding from the royal
family’s investment fund. Standard
Chartered Bank Thailand (Stanchart)
and Kasikornbank also saw substantial double-digit asset growth of 21.2
and 11.9 percent respectively.
But asset growth for the country
overall was only 6.6 percent—strong
growth of the country’s six largest
banks was mitigated by the poor
performance of weak players, among
them Bankthai and Siam City Bank,
who saw assets shrink by 19.4 and 8.8
Profitability was a complex story
as well. With the Bank of Thailand
Quarterly provisions (Bt billion)
D
1Q06
2Q06
3Q06
4Q06
ISSUE 72
9/17/07 11:49:17 AM
65
32%
60
30%
55
28%
50
26%
45
24%
40
22%
35
30
20%
2H05
1H06
Non-interest income
2H06
Non-interest income / Total operating income
lem with underlying fundamentals.
The upcoming election later this year
could have a major impact on the local economy.
According to data from SCB,
private investment also fell from July
2006 to March 2007, although it has
been rising recently. But optimism is
strong in the banking sector w it h
players engaging
in new businesses
after focusing on
their comfort zones
for too long. For
example, Bangkok
Bank f inally entered the auto loan
sector, the last large Thai bank to do
so, and SCB has been focusing on
servicing SME clients, a segment it
had previously lumped together with
large corporates.
With challenges to their core
profitability going forward, banks
will be forced to wring whatever
“Consumer credit
NPLs have risen
as a result of
slowing economic
conditions”
profits they can out of new and niche
markets, non-interest income and
further cost cutting.
Market opportunities include
SME lending, automobile lending and
the higher purchase sector, but many
banks, remembering the fallout from
the 1997 Asian Financial Crisis that
brought Thailand to its knees, are
taking a careful approach.
Wealth management is also in
a nascent stage in Thailand. The
kingdom is learning how to tap into
wealth from foreign entrants and
other markets, but they will need
to figure out how to keep a lid on
costs while moving into a serviceled sector that requires constant
product innovation.
Again as a result of 1997, central
bankers have typically been wary of
developing sophisticated and exotic
product offerings for both wealthy
and general consumers. The winning banks will be those who take
the lead in risk management and
corporate governance.
ISSUE 72
1H07
Non-interest income/Total operating income (%)
Strong non-interest income growth in Thailand improved the revenue mix over
the last two years
Non-interest income (Bt billion)
less than 10 percent capital adequacy,
got new capital in March 2007 when
it sold a 25 percent stake to Newbridge
Capital for $70m. The fate of TMB,
who has DBS Bank as a minority
shareholder, is less certain.
Nevertheless, the general health
of the Thai banks is reasonably good
with operating cost to income ratios
close to 50 percent for the most part,
although United Overseas Bank’s
drifted up to 67.6 percent, TMB hit
95.9 percent and Bankthai broke the
bank with 131.5 percent. The banks
also had strong non-interest income
to total operating income ratios, ranging from 16.8 percent at Krung Thai
Bank to 33.9 percent at both Bangkok
Bank and SCB.
But the relatively positive numbers
that banks showed at the end of their
financial year in December 2006 do
somewhat betray the troubles that
Thai banks have faced in 2007.
Uncertainty over the new government has caused a drop in consumer
conf idence, and
consumer credit
NPLs have risen as
a result of slowing
economic conditions. Though the
top f ive ra nked
ba n k s ma na ged
to decrease NPLs
in 2006, they still
reported high
nu mbers, w it h
only Kasikornbank, Siam City Bank
and StanChart showing comparatively low fi gures of 5.7, 5.5 and 2.5
However, many bankers believe
NPLs will stabilise once confidence
in the economy improves and do not
think the high ratios reflect a prob-
The Asian Banker
89
9/17/07 11:49:18 AM
The New Voodoo
I
was at an event a few months ago. Alan was supposed
to be speaking via teleconference—it’s hard to get him
to stop speaking—but none of us knew because the sealed,
windowless room that he was speaking from was across
both the Pacific and the Atlantic and someone over there
had forgotten to turn the microphone on.
At least that’s the story they told us.
I have this funny feeling that in the past they’d let Alan
speak whenever they thought that the economy needed a little deflating. A guy like that who had been earning a public
servant’s salary for all these years would now probably want
to take up some speaking engagements, and his regulator
friends could simply harness his mojo for their purposes;
they could say to themselves “oh, it’s April 20th and
the economy is looking a bit overbaked, let’s let Alan
loose and see what happens. We need a correction more than a crash
right now anyway.”
That way they can get
a runaway economy
back under control
without seeming like
bad guys who love to raise
interest rates.
These are exciting times:
stock exchanges changing ownership, mega banks on buying
sprees, hedge funds, private equity, and enough acronym-powered
complex trading instruments to make
your head spin right round and
come back again. So
even if we could have
heard what Alan had
to say on that day in
April, which is well
known to be the cruelest month, I’m sure he couldn’t have deflated the world
economy even more than it’s already deflating itself. Five
months ago I hadn’t even heard about these Carbon Deposit Obligations, not to mention Asset Backed Sanitation
Paper which I hear is the next thing we will be exposed to.
ah phre niah
90
The Asian Banker
The scariest of them all must be those Special Transatlantic
Derivatives that are particularly infectious—you really have
to be careful who you trade with these days.
A few days ago I was on Bankbook, the invitation-only
social networking website for bankers that has replaced
martini bars in Manhattan as the hot place to swap insider
information, and one guy was talking about sophisticated
acronyms as if they were directly responsible for the billion
dollars he had lost last month.
“Guys,” I wrote, “everybody seems to think that these
are the new scapegoats. What about all of the countries
where people are saving more than they spend? What about
Irrational Exuberance? What about real estate bubbles?
What about earthquakes off the coast of Mandripore? What about two third probabilities that
the price of wheat will continue to rise? What
about the hole in the ozone layer!?!? Are we
really going to blame everything on things
that the wizards of the back office dreamed
up, things that nobody understands? All of
this has given the market the impression
that there’s not enough funding
out there, but anyone who thinks
that there’s a lack of liquidity out
there should go jump in the lake.
We need a real scapegoat, and we
need one now!”
For once cyberspace was silent.
I could imagine some of the guys out there had started
to type “I think we need to study the problem and get
back to you,” before deleting their words—no need
to repeat the mantra unnecessarily.
Ironically, these are times when I wish
that we could get a word of reassurance
from Alan, the finance world’s über-wizard,
to put this all into perspective and ease
some pressure on the real bubble. But I
think he’s still afraid of being misunderstood about being
misunderstood. Either that or he doesn’t know what’s going
on either.
Ah Phre Niah’s alter ego has a day job at The Asian Banker. He can be reached through
[email protected].
ISSUE 72
9/17/07 11:49:18 AM
A
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Predator or Prey?
How do you see yourself ?
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Banker
9/17/07 11:49:25 AM

The Region`s Largest Banks

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