North America and Asia Pacific banks maintain overall balance sheet strength over those in other regions, with the Middle East showing some improvements. Profitability among all 1000 banks improved, driven by higher interest rates, while asset quality indicators stayed stable.
Islamic banks in Saudi Arabia display exceptional financial strength, with Al Rajhi Bank maintaining its position as the largest and strongest Islamic bank worldwide.
Kotak Mahindra Bank is the most profitable bank in India, while State Bank of India reports the largest net profit. Indian banks place fourth globally in net profit share, surpassing France.
As geopolitical risk and foreign exchange volatility reshape corporate treasury strategies, companies are strengthening cash buffers, centralising liquidity and adopting real-time digital tools to maintain visibility and control. API integration and AI-driven automation have become central tools in transforming cash management functions.
North America and Asia Pacific banks retain the strongest balance sheet positions, while the global banking sector remains broadly resilient. Returns remain steady, while banks report enhanced efficiency and income diversification, accompanied by generally robust asset quality, capitalisation and liquidity
Overall balance sheet growth in Asia Pacific and North America slowed amid weak credit demand, cautious lending and regulatory prudence, while European banks rebounded modestly and Middle Eastern banks saw accelerated expansion, fueled by government-backed investment projects.
The TABInsights Islamic Banks Rankings highlight stronger financials in Middle Eastern banks, particularly in Saudi Arabia, Kuwait and the UAE, while Asian institutions remain smaller and less profitable. Islamic banks are strengthening balance sheets amid evolving risk and governance priorities.
Chinese and US megabanks generate the largest absolute profits through scale and diversification, while emerging-market banks deliver higher — but more volatile — returns on equity.
JPMorgan Chase and Bank of America lead large-bank revenue per employee rankings, while mid-tier banks such as First Abu Dhabi Bank and Saudi Awwal Bank report higher overall productivity levels, supported by focused business models, digital adoption and cost discipline.
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Mai Kaneko leads international business and marketing at DeCurret DCP, a Japanese fintech firm operating a multi-bank network for tokenized deposit under the DCJPY framework. She oversees international expansion initiatives, bank-fintech partnerships and global go-to-market strategy. She holds a Master’s in International Relations from Georgetown University and a Bachelor’s in Economics from University of Tokyo.
Kinoshita has been involved in product development projects across a wide range of industries in Japan, including e-commerce, retail, banking, insurance, and manufacturing. He joined DeCurret DCP in 2024, where he has been engaged in the development of digital currency infrastructure. In addition to building the underlying infrastructure, he supports digital transformation (DX) initiatives associated with the adoption of digital currency solutions across various industries, and promotes projects aimed at enabling cross-border transactions.
Abhinav is currently based in Singapore and leads Client solutions and Sales for Partior. In this capacity, he oversees clients' journeys including commercial and central banks, from defining use cases to product integration. Before taking on this role, Abhinav gained extensive experience working with both global and local banks. He spearheaded transformative initiatives in Payments and Core Banking, requiring him to coordinate efforts across business units, technology teams, and regulatory bodies. Abhinav played a pivotal role in implementing Faster Payments projects throughout Asia, including notable projects like Singapore G3 Fast, Malaysia Duit Now, and Hong Kong FPS. Prior to his tenure in the banking sector, Abhinav served as a Payments Financial Services consultant to various banks and payment fintech companies such as ANZ, Deutsche Bank, and Bank of America. Originally from India, Abhinav holds an Engineering degree and a Postgraduate qualification in Machine Learning and Artificial Intelligence. He is also a dedicated father of two, and he enjoys spending his weekends playing tennis and cherishing moments with his family.
Sakae Hamasaki joined Sanwa Bank (currently MUFG Bank) in April 1993 and worked in corporate banking across five domestic locations. From 2006 onward, he gained extensive experience in the planning, development, and sales of payment-related services for corporate clients in Japan and overseas. He joined DeCurret DCP in 2022, where he has been leading initiatives to support banks in evaluating the adoption of tokenized deposits, as well as collaborating with overseas partners to build cross-border networks utilizing tokenized deposits.
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