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Our methodology

methodology

HOw we do it

Designed in consultation with senior bankers and Lafferty Council members, our proprietary methodology uses banks' annual reports and Lafferty's research capabilities to build up a detailed picture of their financial position, management effectiveness, organisational culture, customer satisfaction and more.

We take a detailed, long term (typically over one credit cycle) look at a range of qualitative and quantitative factors to assess banks' competitive position, while our expert analysts provide additional market context.

OUR METHODOLOGY

The Lafferty Banking 500 benchmarking methodology uses 19 separate metrics to assess each of the 500 banks for overall quality. Each metric is scored either "1" or "0" to give an overall total score for each bank.

OUR METRICS

  • Loans to deposits ratio
  • Return on assets
  • Retail loans as a proportion of total loans
  • Equity as a proportion of total assets
  • Cash as a proportion of total assets
  • Deployment of reporting exemptions
  • Confirmed regulatory breaches
  • Strategic clarity
  • Strategic planning
  • Fulfilment of brand promise
  • Credible measure of customer focus
  • Customer satisfaction
  • Organisational culture
  • Investment in employee development
  • Leadership experience
  • Financial inclusion mandate
  • Digital vision and strategy
  • Digital dependability
  • Technological expertise at executive board level
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