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About The Banker Database

Industry standard

The Banker Database was created as part of The Banker magazine's regular rankings of the world's largest banks. Over the past five decades our rankings have become the industry standard for measuring bank performance strength.

Unrivalled coverage

The database tracks banks in more than 160 jurisdictions representing 90% of the world's total banking assets. In addition to data published in the magazine rankings, the database offers detailed itemised breakdowns of banks' balance sheets, profit and loss statements, capital structures and other indicators.

The database also offers advanced search and analysis capabilities, allowing users to compare bank performance over time according to more than 100 financial and non-financial indicators.

Datapoint Name Datapoint Definition Datapoint Category Datapoint Category ID
Additional Tier 1 As defined by the Basel Committee. Instruments issued by the bank that meet the criteria for inclusion in Additional Tier 1 Capital, stock surplus from the issue of the instrument included in Additional Tier 1 Capital, Instruments issued by consolidated subsidiaries of the bank and held by third parties that meet the criteria for inclusion in Additional Tier 1 Capital, plus regulatory adjustment (Basel 3 only) Capital Adequacy 3
Adjustments to CET1 Regulatory adjustments applied in the calculation of Common Equity Tier 1 (Basel 3 only) Capital Adequacy 3
Allowance for Loan Losses Allowance on the balance sheet for loan losses Balance Sheet 1
Allowance for Loan Losses to Gross Total Loans Provision on Loans divided by Gross Total Loans, expressed as a % Ratios 7
Available-for-Sale Securities Debt or equity securities classified as available for sale Balance Sheet 1
BIS Capital Adequacy Ratio (Core Tier1 %) Core Tier 1 Capital, net of deductions, divided by Total Risk Weighted Assets, expressed as a % Capital Adequacy 3
BIS Capital Adequacy Ratio (Tier 1) Tier 1 Capital, net of deductions, divided by Total Risk Weighted Assets, expressed as a % Capital Adequacy 3
BIS Capital Adequacy Ratio (Total) The sum of Tier 1 Capital and Tier 2 Capital, both net of deductions, divided by Total Risk Weighted Assets, expressed as a % Capital Adequacy 3
Branches (Domestic) Number of Domestic Branches Other Indicators 4
Branches (Overseas) Number of Branches Overseas (including subsidiaries) Other Indicators 4
Branches (Total) Total number of domestic and overseas branches Other Indicators 4
Capital Assets Ratio Tier 1 Capital divided by Total Assets, expressed as a % Ratios 7
Cash and Balance at Central Bank(s) Cash positions and deposits with the national Central bank and overseas Central Banks, plus loans advanced to Central Banks (when they constitute a regulatory requirement) Balance Sheet 1
Cash Held as % Total Deposits Cash and Balance at Central Bank(s) divided by Gross Total Deposits, expressed as a % Ratios 7
Commercial Mortgages Corporate customer loans collateralised by real estate and construction Balance Sheet 1
Core Tier 1 or CET 1 Common equity consists of the sum of common shares, stock surplus (share premium) resulting from the issue of instruments included in common equity tier 1, retained earnings, accumulated other comprehensive income and other disclosed reserves, common shares issued by consolidated subsidiaries of the bank and held by third parties (ie minority interest) that meet the criteria for inclusion in common equity tier 1 capital, and regulatory adjustments applied in the calculation of common equity tier 1 Capital Adequacy 3
Corporate Customer Deposits Deposits made by Corporate Customers (Including SME's) Balance Sheet 1
Cost/Income Ratio Operating Costs excluding Total Impairments Charges and Provisions ( ie for loan losses, financial assets and other general provision) divided by Total Operating Income Ratios 7
Counterparty Credit Risk Subset of Credit Risk Weighted Assets related to the probability of default of the counterparty of financial instruments and contracts Capital Adequacy 3
Counterparty Credit Risk to Credit Risk Weighted Assets Counterparty Credit Risk divided by Credit Risk Weighted Assets, expressed as a % Ratios 7
Counterparty Credit Risk to Total Risk Weighted Assets Counterparty Credit Risk divided by Total Risk Weighted Assets, expressed as a % Ratios 7
Credit Risk to Total RWA Credit Risk Weighted Assets divided by Total Risk Weighted Assets, expressed as a % Ratios 7
Credit Risk-Weighted Assets Credit Risk-Weighted Assets as defined by the Basel Committee Capital Adequacy 3
Debt to Equity Ratio Total Liabilities divided by Total Equity, expressed as a % Ratios 7
Deposits by Banks Deposits made by Banks and other Financials Institutions Balance Sheet 1
Deposits made by the Central Bank Deposits made by the Central Bank Balance Sheet 1
Derivatives (Assets) Contracts, such as futures and options, where the price is derived from the price of an underlying financial asset Balance Sheet 1
Derivatives (Liabilities) Contracts such as options and futures where price is derived from the price of an underlying financial liability Balance Sheet 1
Employees (Domestic) Employee headcount in domestic offices Other Indicators 4
Employees (Overseas) Employee headcount in overseas offices Other Indicators 4
Employees (Total) Total headcount Other Indicators 4
General and Admin Expenses as a % of Total Operating Expenses General and Administrative Expenses divided by Operating Costs, expressed as a % Ratios 7
General and Administrative Expenses (excluding depreciation) General and Administrative Expenses (excluding depreciation) Income Statement 2
Gross Collectively Impaired Loans The total value of impaired loans not significant enough to be impaired individually Balance Sheet 1
Gross Impaired Loans The total value of loans where the contractual cash flow is not expect to be fully collected or not collected when it is contractually due Balance Sheet 1
Gross Impaired Loans to Gross Total Loans Gross Impaired Loans divided by Gross Total Loans, expressed as a % Ratios 7
Gross Individually Impaired Loans The total value of impaired loans that are individually significant Balance Sheet 1
Gross Individually Impaired Loans to Gross Impaired Loans Gross Individually Impaired Loans divided by Gross Impaired Loans, expressed as a % Ratios 7
Gross Total Deposits Total deposits made by retail and corporate customers and financial institutions Balance Sheet 1
Gross Total Loans The value of gross total loan book, including loans and advances to banks and financial institutions, corporate customers (including corporate mortgages), public institutions and retail customers (including retail mortgages), including allowance for loan losses Balance Sheet 1
Held-to-Maturity Securities Debt securities intended (and able) to be held until maturity Balance Sheet 1
High Quality Liquid Assets Assets that can be converted easily into cash to meet liquidity needs. These include cash, Cash and Balances at Central Banks and securities guaranteed by sovereigns Balance Sheet 1
High Quality Liquid Assets to Total Assets High Quality Liquid Assets divided by to Total Assets, expressed as a % Ratios 7
Impaired Loans Provision Provision set aside for Gross Impaired Loans Balance Sheet 1
Innovative Tier 1 Capital Innovative Tier 1 Capital as defined by the Basel Committee (Basel I and II only) Capital Adequacy 3
Liquidity Coverage Ratio The value of High Quality Liquid Assets divided by the total net cash outflows over the next 30 calendar days, expressed as a % Ratios 7
Loan Coverage Ratio Allowance for Loan Losses (from the balance sheet) divided by the value of non performing loans, expressed as a % Ratios 7
Loan Impairment Provisions The amount recognized in the P&L for loan provision/impairment, net of reversal Income Statement 2
Loans and Advances to Corporate Customers Loans and advances made to Corporate Customers (including mortgages) Balance Sheet 1
Loans and Advances to Financial Institutions Loans and advances made to banks and financial institutions Balance Sheet 1
Loans and Advances to Public Institutions Loans and Advances made to Public Institutions (ie. Governments, municipalities or state-owned companies) Balance Sheet 1
Loans and Advances to Retail Customers Loans and advances made to Retail Customers (including mortgages) Balance Sheet 1
Loans to Assets Ratio Gross Total Loans as a % of Total Assets Ratios 7
Loans to Deposits Ratio Gross Total Loans divided by Gross Total Deposits, expressed as a % Ratios 7
Long Term Debt Debt Securities maturing in more than a year Balance Sheet 1
Long Term Debt to Total Equity Long Term Debt divided by Total Equity, expressed as a % Ratios 7
Market Risk to Total RWA Market Risk Weighted Assets divided by Total Risk Weighted Assets, expressed as a % Ratios 7
Market Risk-Weighted Assets Market Risk-Weighted Assets as defined by the Basel Committee Capital Adequacy 3
Mortgages Gross Loans collateralised by real estate and constructions Balance Sheet 1
Net CET1 Common Equity Tier 1 net of Adjustments to CET1 (Basel 3 only) Capital Adequacy 3
Net Fee and Commission Income Net fees and commissions received from all services, transactions and sales Income Statement 2
Net Fee and Commission Income to Total Operating Income Net Fee and Commission Income divided by Total Operating Income, expressed as a % Ratios 7
Net Impaired Loans Gross Impaired Loans minus Impaired Loans Provision Balance Sheet 1
Net Interest Income Revenues generated by interest-bearing assets minus the cost of servicing (interest-burdened) liabilities Income Statement 2
Net Interest Income to Total Operating Income Net Interest Income divided by Total Operating Income, expressed as a % Ratios 7
Net Interest Margin Net Interest Income divided by average interest earning assets, expressed as a % Ratios 7
Net Loans Gross Total Loans minus Provision on Loans Balance Sheet 1
Net Non-Interest Income The sum of Net Fee and Commission Income, Net Trading Income, Unrealized Gains or Losses on Financial Instruments designated at Fair-Value and Other non-Interest Income, net of expenses Income Statement 2
Net Non-Interest Income to Total Operating Income Net Non-Interest Income divided by Total Operating Income, expressed as as a % Ratios 7
Net Operating Income Total Operating Income, net of Total Impairment Charges and Provisions, excluding depreciation and amortization Income Statement 2
Net Profit Income Statement 2
Net Stable Funding Ratio The percentage of capital and liabilities expected to be reliable during the following year. The required Stable Funding of a specific institution is a function of the liquidity characteristics and residual maturities of the various assets held by that institution as well as those of its off-balance sheet exposures Ratios 7
Net Trading Income Net realized trading income from securities, derivatives and currencies Income Statement 2
Net Trading Income to Total Operating Income Net Trading Income divided by Total Operating Income, expressed as a % Ratios 7
Non-Performing Loans (NPL%) Gross non-performing loans, whether impaired or not, (outstanding over 90 days but still accruing interest, plus any non-accrual loans) divided by Gross Total Loans (not including deductions for loan loss provisions), expressed as a % Ratios 7
Number of ATMs Number of ATM's fully owned by the bank Other Indicators 4
Number of Corporate Customers Number of Corporate Customers Other Indicators 4
Number of Retail Customers Number of Retail Customers Other Indicators 4
Off-Balance Sheet Risk-Weighted Assets Off-Balance Sheet Risk-Weighted Assets as defined by the Basel Committee Capital Adequacy 3
Operating Costs Operating Costs excluding depreciation and amortization Income Statement 2
Operational Risk to Total RWA Operational Risk Weighted Assets divided by Total Risk Weighted Assets, expressed as a % Ratios 7
Operational Risk-Weighted Assets Operational Risk-Weighted Assets as defined by the Basel Committee Capital Adequacy 3
Other Financial Assets Impairment Provisions The amount recognized in the P&L for securities provision/impairment, net of reversal Income Statement 2
Other Impairment Charges and Provisions The amount recognized in the P&L for provision/impairment, net of reversal, for assets other than loans and securities, excluding impairment of goodwill Income Statement 2
Other Non-Interest Income Any other non interest income not included in net non interest income (i.e. insurance income, currency revaluation, other operating income, miscellaneous) Income Statement 2
Pre-Tax Profit per $ of Staff Costs Pre-Tax Profit $ generated per $ of Staff Expenses Ratios 7
Pre-Tax Profits Profit or loss before the deduction of Taxes, including profits from discontinued operations and extraordinary items before tax and income from minority holdings, excluding profits distributed to minority shareholders or other comprehensive income Income Statement 2
Qualifying Tier 1 Subordinated Liabilities Subordinated debt securities qualifying as Tier 1 Capital Balance Sheet 1
Qualifying Tier 2 Subordinated Liabilities Subordinated debt securities qualifying as Tier 2 Capital Balance Sheet 1
Retail Customer Deposits Deposits made by Retail Customers Balance Sheet 1
Retail Mortgages Retail customer loans collateralised by real estate Balance Sheet 1
Return on Assets Pre-Tax Profits divided by Total Assets, expressed as a % Ratios 7
Return on Capital Pre-Tax Profits divided by Tier 1 Capital, expressed as a % Ratios 7
Return on Equity Pre-tax Profits divided by Total Equity, expressed as a % Ratios 7
Return on RWA Pre-tax Profits divided by Total Risk Weighted Assets, expressed as a % Ratios 7
RWA to TA Ratio Total Risk Weighted Assets divided by Total Assets, expressed as a % Ratios 7
Short Term Debt Debt Securities maturing in less than a year Balance Sheet 1
Short Term Debt to Total Equity Short Term Debt divided by Total Equity, expressed as a % Ratios 7
Staff Costs as a % of Total Operating Expenses Staff Costs divided by Operating Costs, expressed as a % Ratios 7
Staff Expenses Staff Expenses Income Statement 2
Stock Market Capitalisation The number of shares issued, multiplied by the market value of those shares at the financial year end Other Indicators 4
Subordinated Liabilities Debt securities which are subordinate to the claims of depositors and other creditors in the event of insolvency of the issuer Balance Sheet 1
Taxes Total Taxes as reported in the P&L, net of tax credit, including taxes from discontinued operations Income Statement 2
Tier 1 Capital As defined by the Basel Committee. This is permanent shareholders’ equity and disclosed reserves and minority interests in subsidiaries less than wholly owned, after distribution of net profit or loss. It excludes cumulative preference shares and revaluation reserves. Tier 1 Capital is reported net of regulatory deductions Capital Adequacy 3
Tier 2 Capital As defined by the Basel Committee. This is cumulative preference shares, revaluation reserves, hidden reserves, subordinated and other long-term debt. Tier 2 Capital is reported net of regulatory deductions Capital Adequacy 3
Total Assets Total Assets held on the balance sheet Balance Sheet 1
Total Assets, Derivatives and Off-Balance-Sheet Items Total Assets including all derivative positions and all Off-Balance Sheet Assets Balance Sheet 1
Total Debt Securities Debt securities issued by the bank, excluding those held by central bank Balance Sheet 1
Total Debt Securities plus Subordinated Liabilities to Total Liabilities Total Debt Securities, plus Subordinated Liabilities, divided by Total Liabilities, expressed as a % Ratios 7
Total Debt Securities to Total Equity Total Debt Securities divided by Total Equity, expressed as a % Ratios 7
Total Debt Securities to Total Liabilities Total Debt Securities divided by Total Liabilities, expressed as a % Ratios 7
Total Equity Total Assets minus Total Liabilities Balance Sheet 1
Total Impairment Charges and Provisions The amount recognized in the P&L for provision/impairment net of reversal. Total provision/impairment for loans, financial assets and other additional provisions, excluding impairment of goodwill Income Statement 2
Total Impairment Charges as a % of Gross Total Loans Total Impairment Charges and Provisions divided by Gross Total Loans, expressed as a % Ratios 7
Total Impairment Charges as a % of Total Operating Income Total Impairment Charges and Provisions divided by Total Operating Income, expressed as a % Ratios 7
Total Liabilities Total liabilities held on the balance sheet Balance Sheet 1
Total Liabilities to Total Assets Total Liabilities divided by to Total Assets, expressed as a % Ratios 7
Total Number of Customers Total Number of Customers Other Indicators 4
Total Operating Income Total net interest income plus net non interest income before the deduction of any impairment charges/provisions and operating costs Income Statement 2
Total Profit or Loss on Discontinued Operations & Extraordinary Items Profit or Loss on Discontinued Operations & Extraordinary Items, before Taxes, including gross revenue/cost generated by impairment of goodwill and disposal of line of business or entire business Income Statement 2
Total Risk-Weighted Assets Total Risk-Weighted Assets as defined by the Basel Committee Capital Adequacy 3
Trading Liabilities Debt or equity securities sold but not yet purchased Balance Sheet 1
Trading Securities Debt or equity securities bought and held for sale in the near-term to generate income on short-term price changes Balance Sheet 1
Unrealized Gains or Losses on Financial Instruments Designated at Fair Value Unrealized gains or losses from securities in the trading book, calculated at fair-value Income Statement 2

Daily updates

Data is updated daily throughout the year, ensuring timely publication of banks' latest data.

Standardisation

Because our rankings are highly visible within the industry, all data is closely scrutinised before publication online and in the magazine. We have a high level of co-operation with banks during the data normalisation process. Most data is supplied by banks using our online data entry system. This data is verified against audited annual reports by The Banker�s dedicated in-house research team and normalised for regional accounting inconsistencies. It is then screened by our research editor and by more than 30 advanced data tests before passing through the quality control system into the database.

This rigorous research process is the reason the industry has come to rely on The Banker rankings and database.