The world's best-capitalised banks
The 50 banks with the highest ratio of equity to total assets among all banking groups with at least US$50 billion of assets.
This table ranks the 50 banks with the most equity relative to their balance sheet, among the 283 banking groups with at least US$50 billion of assets.
Kotak Mahindra Bank leads with equity equal to 18.1% of total assets; the median for all eligible banks is 7.7%.
Equity to assets is a simple, unweighted leverage measure. It does not account for the riskiness of assets, for goodwill, or for regulatory capital rules, so it complements rather than replaces regulatory ratios such as CET1. It is not a safety or credit rating.
Best-capitalised banks 2026
Ranked by equity to total assets
| Source | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 1 | Kotak Mahindra BankIndia · ROE 10.6% | 219 | 106.0 | 19.1 | 18.1% | 1.92% | 10.6% | Mar 2026 | Company report |
| 2 | Bank Central AsiaIndonesia · ROE 20.4% | 233 | 94.9 | 16.8 | 17.7% | 3.63% | 20.4% | Dec 2025 | Company report |
| 3 | Arab National BankSaudi Arabia · ROE 10.3% | 262 | 75.0 | 13.2 | 17.6% | 1.82% | 10.3% | Dec 2025 | Company report |
| 4 | Saudi Awwal Bank (SAB)Saudi Arabia · ROE 10.7% | 202 | 121.2 | 21.2 | 17.5% | 1.86% | 10.7% | Dec 2025 | Company report |
| 5 | Capital One*United States · ROE 2.2% | 62 | 669.0 | 113.6 | 17.0% | 0.37% | 2.2% | Dec 2025 | SEC filing |
| 6 | Saudi National BankSaudi Arabia · ROE 12.3% | 107 | 322.7 | 54.2 | 16.8% | 2.07% | 12.3% | Dec 2025 | Company report |
| 7 | Banque Saudi FransiSaudi Arabia · ROE 10.6% | 253 | 82.4 | 13.5 | 16.4% | 1.73% | 10.6% | Dec 2025 | Company report |
| 8 | Arab BankJordan · ROE 8.7% | 258 | 78.2 | 12.5 | 16.0% | 1.39% | 8.7% | Dec 2025 | Company report |
| 9 | Alinma BankSaudi Arabia · ROE 13.3% | 252 | 83.0 | 12.9 | 15.5% | 2.06% | 13.3% | Dec 2025 | Company report |
| 10 | Qatar Islamic BankQatar · ROE 14.4% | 276 | 60.7 | 9.2 | 15.2% | 2.19% | 14.4% | Dec 2025 | Stock-exchange filing |
| 11 | Bank Rakyat IndonesiaIndonesia · ROE 17.5% | 195 | 127.7 | 19.4 | 15.2% | 2.65% | 17.5% | Dec 2025 | Company report |
| 12 | Nu Holdings (Nubank)Brazil · ROE 25.4% | 263 | 74.9 | 11.3 | 15.1% | 3.83% | 25.4% | Dec 2025 | SEC filing |
| 13 | Kuwait Finance HouseKuwait · ROE 9.9% | 182 | 140.1 | 20.9 | 14.9% | 1.48% | 9.9% | Dec 2025 | Company report |
| 14 | Riyad BankSaudi Arabia · ROE 13.8% | 184 | 138.5 | 20.1 | 14.5% | 2.00% | 13.8% | Dec 2025 | Company report |
| 15 | CredicorpPeru · ROE 18.1% | 256 | 79.5 | 11.4 | 14.4% | 2.59% | 18.1% | Dec 2025 | SEC filing |
| 16 | SicoobBrazil · ROE 17.0% | 259 | 78.1 | 11.1 | 14.2% | 2.42% | 17.0% | Dec 2025 | Company report |
| 17 | Commercial Bank (Qatar)Qatar · ROE 8.2% | 282 | 53.0 | 7.4 | 14.0% | 1.14% | 8.2% | Dec 2025 | Company report |
| 18 | Raiffeisenlandesbank OberösterreichAustria · ROE 10.3% | 279 | 57.2 | 7.9 | 13.7% | 1.42% | 10.3% | Dec 2025 | Company report |
| 19 | Al Rajhi BankSaudi Arabia · ROE 17.4% | 115 | 278.2 | 38.1 | 13.7% | 2.38% | 17.4% | Dec 2025 | Company report |
| 20 | M&T BankUnited States · ROE 9.8% | 138 | 213.5 | 29.2 | 13.7% | 1.34% | 9.8% | Dec 2025 | SEC filing |
| 21 | SCB XThailand · ROE 9.6% | 208 | 115.8 | 15.7 | 13.6% | 1.30% | 9.6% | Dec 2025 | Company report |
| 22 | Nanyang Commercial BankHong Kong · ROE 4.7% | 265 | 72.8 | 9.5 | 13.1% | 0.62% | 4.7% | Dec 2025 | Company report |
| 23 | Bank of the Philippine IslandsPhilippines · ROE 14.0% | 274 | 62.1 | 8.1 | 13.1% | 1.82% | 14.0% | Dec 2025 | Company report |
| 24 | KasikornbankThailand · ROE 8.5% | 178 | 144.6 | 18.4 | 12.7% | 1.09% | 8.5% | Dec 2025 | Company report |
| 25 | Bangkok BankThailand · ROE 8.0% | 175 | 146.1 | 18.2 | 12.5% | 1.00% | 8.0% | Dec 2025 | Company report |
| 26 | ICICI BankIndia · ROE 14.9% | 110 | 307.9 | 38.4 | 12.5% | 1.86% | 14.9% | Mar 2026 | SEC filing |
| 27 | Emirates NBDUAE · ROE 16.6% | 108 | 317.1 | 39.4 | 12.4% | 2.06% | 16.6% | Dec 2025 | Company report |
| 28 | Banco de ChileChile · ROE 17.7% | 277 | 59.4 | 7.3 | 12.4% | 2.19% | 17.7% | Dec 2025 | SEC filing |
| 29 | OTP BankHungary · ROE 20.3% | 186 | 138.3 | 17.1 | 12.3% | 2.51% | 20.3% | Dec 2025 | Company report |
| 30 | Dubai Islamic BankUAE · ROE 15.0% | 211 | 113.3 | 13.6 | 12.0% | 1.80% | 15.0% | Dec 2025 | Company report |
| 31 | Regions FinancialUnited States · ROE 11.3% | 168 | 158.8 | 19.0 | 12.0% | 1.36% | 11.3% | Dec 2025 | SEC filing |
| 32 | HDFC BankIndia · ROE 13.0% | 72 | 518.5 | 61.9 | 11.9% | 1.55% | 13.0% | Mar 2026 | Company report |
| 33 | Truist FinancialUnited States · ROE 8.1% | 68 | 547.5 | 65.2 | 11.9% | 0.97% | 8.1% | Dec 2025 | SEC filing |
| 34 | OP Financial GroupFinland · ROE 9.1% | 149 | 193.7 | 23.0 | 11.9% | 1.09% | 9.1% | Dec 2025 | Company report |
| 35 | BDO UnibankPhilippines · ROE 13.6% | 238 | 92.4 | 10.9 | 11.8% | 1.60% | 13.6% | Dec 2025 | Stock-exchange filing |
| 36 | Krung Thai BankThailand · ROE 10.4% | 199 | 124.7 | 14.7 | 11.8% | 1.23% | 10.4% | Dec 2025 | Stock-exchange filing |
| 37 | Old National BancorpUnited States · ROE 7.9% | 266 | 72.2 | 8.5 | 11.8% | 0.93% | 7.9% | Dec 2025 | SEC filing |
| 38 | MashreqUAE · ROE 17.4% | 239 | 91.1 | 10.7 | 11.8% | 2.04% | 17.4% | Dec 2025 | Company report |
| 39 | Citizens Financial GroupUnited States · ROE 7.0% | 130 | 226.4 | 26.3 | 11.6% | 0.81% | 7.0% | Dec 2025 | SEC filing |
| 40 | Banca Monte dei Paschi di SienaItaly · ROE 9.7% | 114 | 283.9 | 32.9 | 11.6% | 1.12% | 9.7% | Dec 2025 | Company report |
| 41 | Abu Dhabi Commercial BankUAE · ROE 12.9% | 139 | 210.8 | 24.2 | 11.5% | 1.48% | 12.9% | Dec 2025 | Company report |
| 42 | Bank of East AsiaHong Kong · ROE 3.3% | 205 | 118.3 | 13.5 | 11.4% | 0.38% | 3.3% | Dec 2025 | Stock-exchange filing |
| 43 | Webster FinancialUnited States · ROE 10.6% | 249 | 84.1 | 9.5 | 11.3% | 1.19% | 10.6% | Dec 2025 | SEC filing |
| 44 | East West BancorpUnited States · ROE 14.9% | 255 | 80.4 | 8.9 | 11.1% | 1.65% | 14.9% | Dec 2025 | SEC filing |
| 45 | KeyCorpUnited States · ROE 9.0% | 152 | 184.4 | 20.4 | 11.1% | 0.99% | 9.0% | Dec 2025 | SEC filing |
| 46 | Axis BankIndia · ROE 12.3% | 141 | 205.6 | 22.7 | 11.0% | 1.36% | 12.3% | Mar 2026 | Stock-exchange filing |
| 47 | National Bank of KuwaitKuwait · ROE 11.5% | 172 | 149.5 | 16.5 | 11.0% | 1.26% | 11.5% | Dec 2025 | Company report |
| 48 | AL SydbankDenmark · ROE 5.0% | 281 | 53.8 | 5.9 | 11.0% | 0.55% | 5.0% | Dec 2025 | Company report |
| 49 | Abu Dhabi Islamic BankUAE · ROE 21.7% | 260 | 76.5 | 8.4 | 11.0% | 2.38% | 21.7% | Dec 2025 | Company report |
| 50 | Metropolitan Bank & TrustPhilippines · ROE 11.8% | 272 | 66.0 | 7.2 | 10.9% | 1.28% | 11.8% | Dec 2025 | Company report |
* Capital One: Equity includes goodwill from the 2025 acquisition of Discover Financial; 2025 profit reflects acquisition-related provisions.
How to read the table. Figures in US$ billions at each bank's financial-year-end exchange rate. ROA and ROE use year-end balances. Click a column heading to sort; the source icon opens the report or filing each bank's figures were taken from. Methodology
Tap a bank to see all its figures and its source.
Methodology
The Global Banker rankings are built from each bank's own audited financial statements or official full-year results filings. Every figure in the tables links to the document it was taken from.
01Who is included
Commercial, universal, savings and cooperative banking groups, including credit unions, ranked at the consolidated group level. Listed, unlisted and state-owned groups are eligible; a state-owned bank is included only if it holds a commercial or universal banking licence and takes deposits from the public.
Subsidiaries that are consolidated by another ranked group (for example Santander Brasil or BOC Hong Kong) are not ranked separately, so no balance sheet is counted twice.
Development and policy banks (including state banks without a commercial or universal licence and public deposits), brokerages, card issuers, settlement institutions, carmakers’ and other captive finance companies, groups where insurance makes up the majority of the group, and banks subject to international sanctions are excluded. Cooperative networks are ranked only where they publish audited combined or consolidated statements.
02Financial year
All banks are compared on their FY2025 accounts: the latest audited financial year ending between 1 April 2025 and 31 March 2026. For most banks that is the year to 31 December 2025; Japanese and Indian banks report to 31 March 2026, Canadian banks to 31 October 2025 and Australian banks to 30 June or 30 September 2025. Banks that had not published accounts for such a year at the cut-off date are omitted rather than compared on older figures.
03Measures
- Total assets
- Consolidated total assets at the financial year end. This is the ranking measure for the Global Top 100 and the regional tables.
- Equity
- Equity attributable to shareholders of the parent, including additional Tier 1 and preference capital that the bank classifies as equity, and excluding non-controlling interests.
- Equity / assets
Equity divided by total assets, a simple, unweighted measure of balance-sheet capital.- ROA and ROE
Net profit attributable to shareholders of the parent (before distributions on additional Tier 1 instruments) divided by year-end total assets and year-end equity respectively.
04Currency conversion
All figures are converted into US dollars at the official reference rate published by the central bank of each bank's reporting currency for its financial year-end date (or the latest rate it published before that date, where the year-end fell on a day without a publication; pegged currencies at the official peg), so a bank's ranking reflects its balance sheet on its own reporting date.
One exception: the State Bank of Vietnam's central rate for 31 December 2025 could not be obtained from its website, so the Vietnamese banks are converted at the market closing rate for that date (26,225 dong per US dollar).
05Comparability notes
Banks report under different accounting frameworks (IFRS, US GAAP, Japanese GAAP, Indian GAAP and local regulatory standards). Figures are taken as reported and not adjusted between frameworks. US GAAP netting of derivatives tends to produce smaller balance sheets than IFRS for similar businesses.
Some banks book additional Tier 1 instruments as liabilities rather than equity; their equity figures therefore exclude them.
Turkish banks' figures are BRSA consolidated accounts, which were not inflation-adjusted for 2025. Argentine banks report in constant pesos under IAS 29. Egyptian and Nigerian banks' figures are not adjusted for inflation. Banks from these four markets are footnoted, and the regional highlights for return on equity leave them out.
Ratios are simple accounting ratios. They are not regulatory capital ratios (such as CET1) and do not measure risk-weighted capital.
06Corrections
Found an error? Email [email protected] with the bank's filing and we will review it within five working days.
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