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Larger retail banks tend to deliver lower returns on assets than smaller banks

Larger retail banks tend to deliver lower returns on assets than smaller banks
Author
  • Apr 09, 2026
  • 1 min read

A correlation analysis across 100 global retail banks in FY25 finds a weak but statistically significant negative relationship between asset size and return on assets. Regional leaders demonstrate that specific business model choices, not balance sheet scale, drive superior profitability.

https://tabinsights.com/article/larger-retail-banks-tend-to-deliver-lower-returns-on-assets-than-smaller-banks