citycommercialbank.ppt

,city commercial bank,feature,City commercial bank as local economic development is not balanced and in every city high permeability,City commercial bank customers are mainly small and medium-sized enterprises and private enterprises,City commercial bank has the advantage of press close to the enterprise,City commercial bank risk is higher than large bank,There are 114 city commercial banks up to 2007，and up to 2009,the assets of city commercial banks has reached about 5.68trillion,while loan balance and deposit balance reached 2.89 trillion and 4.65 trillion respectively，during the priod of 2004-2006 the compound growth rate of asset achieved 23.3%, market share has risen from 5.3%-5.9% since 2003. city commercial banks in developed economic regions such as ningbo, nanjing achieved an asset-scale-growth of 28.5%and23%. between2004and2006,which is at a high level compared with others（picture 1）。,City commercial bank market share upbeat,Share the high growth of region economy The regional difference of China's economic development is big ，Yangtze river delta,pearl river delta and link bohai sea area has a high economic growth and abundant ecnomic resources，which layed the fundation for a fast development of bank industry,making related city commercial banks attain the ability to gain a satisfying growth exceeding the industry's average level,In economy developed area,city commercial bank has a relatively high permeability,thus it can benefit more from the development of local market banking industry.,For example,The growth of nominal GDP of Ningbo and Nanjing is respectively 17% and 20.7% from2003 to 2006 ,while the national average is 15.5%.,Urban per capita disposable income of Ningbo and Nanjing in 2006 is about 19674 and 17538 RMB，while the national average is merely11759RMB.,The deposit growth in Ningbo and Nanjing from 2004 to 2006 is respectively 21.4%and14.9%,loan growth is 23%and 12.9%，while the national average is16.5% and 12.0%,which takes up the largest part of GDP in Ningbo is the second industry,Ningbo has a developed private economy，while in Nanjing ,the third industry accounts for higher,In 2006 SME accounts for all corporate clients 94.8%，small enterprise loans accounts for the company loan 72.6%,which is at a high level in listed banks,Look from the size of the loan,loan under 50billion accounts for company loan 71.5% at the end of 2006,which is obviously higher than other listed banks,look from the size of market share,Ningbo banks' market share of RMB loan is about 7.43%,while market share of SME is 14.9%.,Share the high growth of private economy,Ningbo Bank,Good region advantage。Ningbo has developed economy and activity private economy,there are lots of wealthy clients ,hot demand for financial servise there.which offer Ningbo Bank an advantaged running environment. professional banks for SME loan.Ningbo Bank takes export-led manufacturing SME as target customer,loans of SME accounts for company loan 92.9%.It realizes a high loan yields by product innovation,flexible and convenient market reaction capability,profound understanding to local economy and customer. Its non-performing loans keeps on a low level and it contributed to the international trade related intermediate business. The stock ownership incentive mechanism brings about profit guidance business culture.Management and employees of will hold together 15.9% stock rights after issuing A stock,which is condusive to arose the enthusiasm of employees，realizing the unity of the shareholder interests and employee benefit. Trans-regional operation bring high-speed growth potential。Ningbo Bank plans to be a regional bank of the Yangtze river delta region,it opened Shanghai branch in2007，and will later enter Hangzhou and Nanjing market,so that it is expected to realize the profit long-term fast growth,professional banks for SME loan, Company business is the most important source of income in Ningbo Bank ，but with the rapid development of retail banking ，the proportion of corporate banking will have certain declines,it accounts for business revenue and earnings about 70% of the total profit in 2006. since Introducing some professional personal loan products in 2005,the retail banking of Ningbo Bank has developed rapidly,Compound rate of operating incomes and profit is respectively 172.5%and 268.3%. Adapted to the regional ecnomic feature of Ningbo,The company loans is mainly into manufacturing ,trading and service industries.,Business line analysis,Nanjing Bank,share the high-speed development of Nanjing economy.developed economy and good credit culture provides a good external environment for Nanjing Bank. Market positioning of “Based on local economic、Based on SME、Based on city residents” :In the corporate banking，Nanjing bank focuses on cultivating high-quality customer groups of SME，meanwhile intensify the developing strength of the local key construction project；In the retail banking，Nanjing bank opened a large amount of financial service related closely to the city residents'life and cultivated a foundation customer group based on the traditional relationship with local government. Bond business features bank Nanjing Bank is the first one to set up the independent funds operations center among city commercial banks,and it build a good reputation by continuous product innovation.Nanjing bank has established itself a position depending on the brand advantage in bond business field The three-step trans-regional business strategy firstly ,set up branches in economic developed cities in jiangsu,then expand into the Yangtze river delta region when conditions are ripe ，be a regional bank，at last,select cities among chinese large cites.,Bond business features bank, Company business is the most important source of income of Nanjing Bank, which accounts for business revenue and earnings about 70% of the total profit（form 22）。 retail banking developed rapidly，Compound rate of incomes and profit is respectively 172.5%and 268.3% from 2004 to 2006,which applys for 16% and 12% respectively In operating income and profits. adapted to the aim of “serve for the local economy“，The company loans are mainly to trade,service, manufacturing, utilities and the real estate industry，Real estate and construction loans go down constantly and Utilities, high-tech industry loan grow fast,Business line analysis,Nanjing bank in 2007 and 2008, respectively (27.5%) and net growth on respectively, earnings per share, corresponding 0.4 yuanhe 0.55 30 - $35 times the 2007 city Full rate for reasonable value interval 11.93-13.92 yuan 。,Ningbo bank in 2007 and 2008 net profit growth and development indicates respectively, earnings per share for 0.35 yuanhe 0.5 yuan respectively, and the corresponding 30-35 times 2007 city Full rate for reasonable valuations 10.36-12.08 yuan.,feature,1 Advanced geographical positio,2Combined with local characteristics,3 Definite emphasi,4 Innovation,5 Trans-regional business strategy,compared with the two banks,we can see lots of things in common,Though from the Angle of quantity, the overall strength city commercial Banks are not very strong, however, city commercial bank's creation and development, in the economic and financial sectors still produce a series of important influences: first, to promote the reform of the banking open; Secondly, improve the financial resource allocation efficiency; Again, effectively resolve the financial risk; the historical forming Finally, promoted the development of local economy.,The city commercial Banks should achieve the fundamental change, operating mechanism in diversified financial markets establish unified city commercial Banks.,HI-HOO POWERPOINT TEMPLATE,THANKS,