China Banking Sector Analysis

Date: April 22, 2011
Pages: 65
US$ 900.00
Publisher: RNCOS E-Services Pvt. Ltd.
Report type: Strategic Report
Delivery: E-mail Delivery (PDF), Hard Copy Mail Delivery, CD-ROM Mail Delivery

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China Banking Sector Analysis
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As an important component to the country's overall economic system, China’s banking industry has witnessed rapid growth in line with the economic development of the People’s Republic of China (PRC). Banks have historically been, and continue to be, a significant source of capital for the economy and the primary choice for domestic savings. The favourable macroeconomic trends not only provide exceptionally attractive growth opportunities for China’s banking industry, but also offer opportunities for them to revamp the existing business model and diversify businesses and income.

According to our report “China Banking Sector Analysis”, with the increased demand for consumer as well as corporate financing, improved economic conditions, and numerous restructuring efforts taken by the government, the banks are expected to record good performance and improve their financial positions during the forecast period. Banking assets are anticipated to grow at a CAGR of about 13.7% during 2011-2014.

Further, our report reveals that despite fast growth and large size of China’s banking industry, banking products and services remain highly under-penetrated compared to the international standards. Chinese households are not utilizing their credit market to its fullest extent as their credit market remains highly underdeveloped.

Besides, we have analyzed the pattern of macroeconomic variables and their impact on the banking sector of the country. Our report has also identified emerging industry trends, which will decide the future of the banking sector in China and the key players in the country’s banking system along with their detail business description and recent activities.

Our report “China Banking Sector Analysis” provides extensive research and rational analysis on the Chinese banking industry. Forecasts for key banking segments, such as loans, deposits etc. have also been presented to provide better understanding of the banking sector in the country. Additionally, the report covers various aspects of the banking industry in the country, such as industry performance, banking services, growth opportunities, and industry challenges.


2.1 Economic Growth
2.2 Demographic Profile
2.3 Mortgage Rates



4.1 Loans Market Analysis
  4.1.1 Loans by Sector Household Corporate and Others
4.2 Bank Deposits Analysis
  4.2.1 Deposits by Sector Household Corporate Government
4.3 Profitability Analysis
4.4 Payment System Analysis
  4.4.1 Bank Cards
  4.4.2 ATMs & POS Terminals


5.1 Modern Banking Technology
5.2 Potential in Mortgage Financing
5.3 Rural Banking: Focus of Development
5.4 Growing Presence of Foreign Banks despite Many Challenges
5.5 Lending to Small Enterprises
5.6 Improving Asset Quality
5.7 Bancassurance: Growing at Breathtaking Speed


6.1 Real Estate & Government Loans: An Area of Concern
6.2 Banking Crimes
6.3 Underdeveloped Credit Market


7.1 Industrial & Commercial Bank of China
  7.1.1 Business Description
  7.1.2 Recent Developments
7.2 Agricultural Bank of China
  7.2.1 Business Description
  7.2.2 Recent Developments
7.3 Bank of China Limited
  7.3.1 Business Description
  7.3.2 Recent Developments
7.4 China Construction Bank
  7.4.1 Business Description
  7.4.2 Recent Developments
7.5 China Merchants Bank Co., Ltd.
  7.5.1 Business Description
  7.5.2 Recent Developments


Figure 2-1: Real GDP Growth (%), 2009-2014
Figure 2-2: Consumer Price Inflation (%), 2010-2014
Figure 2-3: Share of Young Population in Total Population (2010)
Figure 2-4: Young Population (Million), 2009-2014
Figure 2-5: Lending Interest Rate (%), 2009-2014
Figure 3-1: Bank Assets (Trillion RMB), 2009-2014
Figure 3-2: Bank Assets by Type of Bank (%), 2010
Figure 4-1: Outstanding Loans (Trillion RMB), 2009-2014
Figure 4-2: Outstanding Loans by Type (%), 2010
Figure 4-3: Outstanding Loans by Sector (%), 2010
Figure 4-4: Outstanding Loans to Household Sector (Trillion RMB), 2009-2014
Figure 4-5: Outstanding Loans to Corporate and Other Sectors (Trillion RMB), 2009-2014
Figure 4-6: Deposits with Banks (Trillion RMB), 2009-2014
Figure 4-7: Deposits with Banks by Type (%), 2010
Figure 4-8: Deposits with Banks by Sector (%), 2010
Figure 4-9: Household Sector Deposits with Banks (Trillion RMB), 2009-2014
Figure 4-10: Corporate Sector Deposits with Banks (Trillion RMB), 2009-2014
Figure 4-11: Government Sector Deposits with Banks (Trillion RMB), 2009-2014
Figure 4-12: Number of Bank Cards (Billion), 2008-2010
Figure 4-13: Number of ATMs (‘000), 2008-2010
Figure 4-14: Number of POS Terminals (Million), 2008-2010
Figure 5-1: Number of Internet Users (Million), 2009-2014
Figure 5-2: Number of Mobile Subscribers (Million), 2009-2014
Figure 5-3: Mortgage Loans (Trillion RMB), 2008 & 2009
Figure 5-4: Outstanding Agriculture & Rural Loans (Trillion RMB), 2009 & 2010
Figure 5-5: Outstanding Loans to Small Businesses (Trillion RMB), 2009 & 2010
Figure 5-6: Non-Performing Loans of Major Commercial Banks (Billion RMB), 2008-2010


Table 3-1: Number of Banks by Type (2008 & 2009)
Table 4-1: Profit after Tax of Banking Institutions (Billion RMB), 2007-2009
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