Summary (excerpt)
Tier 1 capital gauges loss-absorbing capacity. In The Banker’s Top 1000 World Banks 2025, ICBC remains #1, with China’s Big Four clustered at the top; no UK bank makes the global top ten this year (HSBC sits at #11). thebankerdatabase.comAbout the FT
Key takeaways
- Tier 1 reflects retained earnings and core equity; it is closer to a solvency lens than market cap.
- Regional split shows China/US/Japan/Euro area concentration; UK just outside top 10.
| Rank | Bank | Tier 1 Capital (US$ bn) | Region |
|---|---|---|---|
| 1 | Industrial & Commercial Bank of China | — | China |
| 2 | China Construction Bank | — | China |
| 3 | Agricultural Bank of China | — | China |
| 4 | Bank of China | — | China |
| 5 | JPMorgan Chase | — | USA |
| 6 | Bank of America | — | USA |
| 7 | Citigroup | — | USA |
| 8 | Mitsubishi UFJ Financial Group | — | Japan |
| 9 | BNP Paribas | — | France |
| 10 | Wells Fargo* / Postal Savings Bank of China* | — | USA / China |
Entries reflect The Banker Top 1000 (2025) ordering; exact amounts are available to subscribers. *The 10th slot varies by cutoff and currency conversion; verify against your paid dataset before publication.
Why Tier 1 matters to retail users
- Higher Tier 1 ≠ better deposit yields, but indicates thicker capital buffers under stress.
- Combine with credit ratings/CET1 and profitability to assess overall strength.
Sources
The Banker: Top 1000 World Banks 2025 hub + database (July 2025). The Banker+1
FT/FT Specialist press note on UK banks not in top 10 (HSBC #11).
Top 1000 World Banks 2025, Tier 1 capital ranking, ICBC top tier 1, The Banker 2025, CET1
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About the Author
Helen Lili – Editor, Research Lead
Helen leads tariff analysis and product change tracking. She maintains the normalized dataset that powers our comparison tables and ensures each claim links back to a dated primary source.
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