Report Highlights
In 2008, with the escalation of the financial crisis and global growth slowdown, turbulence exacerbated in the international financial markets. China's stock market and exchange rates also received great impact. Remarkable changes took place in the financing pattern of non-financial institutions; the percentage of loan financing rose sharply.
In the new environment, banking services experienced remarkable changes in China. Growth rate of deposits picked up, with the percentage taken up by time deposits rising quickly. Growth rate of loans fell. Growth rate of Renminbi short-term loans dropped quickly, while the percentage taken up by medium and long-term loans continued to rise. Cash bond trading was brisk in the inter-bank bond market, interest rate on debenture first rose and then dropped. On the whole, in 2008 China's banking services improved rapidly, with higher profitability.
As financial policy is loosened, Chinese banks' liquidity pressure is alleviated, but competition is intensifying. In 2008, policy banks and joint-stock banks achieved a hefty YOY rise in Renminbi loans, while at state-owned commercial banks, rural financial institutions, and foreign financial institutions Renminbi loans decreased. State-owned commercial banks have high bad loan ratio, while foreign banks and joint-stock commercial banks have low bad loan ratio. Compared with the same period of the previous year, city commercial banks' asset quality improved quickly, while rural commercial banks' asset quality worsened.
In the face of changes in competition and market as well as challenges, we release the 2008-2009 Annual Report on the Development of China's Banking Industry, which helps banks, investors and industry insiders grasp more accurately laws governing the industry's development, and probe competitive environment and competitive strategy.
* In-depth, full and accurate research data: On the basis of in-depth research in different types of banks and their key services, the report depicts changes in the market from the angle of market size, department structure, product structure, regional structure and term structure, and clearly points out development direction.
* All-round and in-depth analysis of brand competition: In addition to grasping opportunities and threats to banks, based on its deep understanding of the banking market, we established a performance assessment system consisting of 4 items and 12 sub-items, and reviews major commercial banks' advantages and disadvantages and position in the marketplace.
* Scientific and complete forecasts: The report conducts regression modeling and expert verification of major market segments, and examines relevant economic policy, deriving valuable trend analysis and quantitative forecast results.
Table of Contents
Main Conclusions
Key Findings
I. Development Environment of the Banking Industry in 2008
(I) World Economic & Financial Situation
1. Economic Situation
2. Financial Market Situation
(II) China's Economic & Financial Situation
1. Economic Situation
2. Financial Market Situation
II. Overview of Main Services in China's Banking Industry in 2008
(I) Overview
1. Assets
2. Liabilities
(II) Loans
1. Amount of Loans
2. Department Structure
3. Product Structure
4. Regional Structure
5. Term Structure
(III) Deposits
1. Amount of deposits
2. Department Structure
3. Product Structure
4. Regional Structure
5. Term Structure
(IV) Inter-bank Services
1. Money Market
2. Bond Market
III. Competition Situation in China's Banking Industry in 2008
(I) Competitors
1. Policy Banks
2. State-owned Commercial Banks
3. Joint-stock Commercial Banks
4. City Commercial Banks
5. Postal Savings Bank
6. Foreign Financial Institutions
(II) Assets
1. Overall Situation
2. Comparison of Major Commercial Banks
(III) Market Share
1. Overall Situation
2. Comparison of Major Commercial Banks
(IV) Performance
1. Overall Situation
2. Comparison of Major Commercial Banks
IV. Development Trend of China's Banking Industry, 2009-2011
(I) Opportunities
1. Policy Opportunities
2. Market Opportunities
(II) Risks
1. Policy Risks
2. Market Risks
(III) Development Trend
V. Recommendations
List of Tables
Financing at Domestic Non-financial Institutions, 2007-2008
Structural Changes in Financing at Domestic Non-financial Institutions, 1992-2008
Other Savings Companies' Asset Structure in 2008
Other Savings Companies' Liability Structure in 2008
Regional Structure of Renminbi Loans in 2008
China's Top 5 Provinces Ranked by Renminbi Loans, 2006-2008
China's Top 5 Provinces Ranked by Renminbi Deposits, 2006-2008
Structure of China's Financial Institutions, 2006-2008
Assets of Other Savings Companies, 2006-2008
Branches' Renminbi Loans in 2008
Commercial Banks' Capital Adequacy Ratio in 2008
Commercial Banks' Bad Loans in 2008
...
List of Figures
Asset Structure of Other Savings Companies in 2008
Liability Structure of Other Savings Companies in 2008
Financial Institutions' Loans in RMB and Foreign Currency & Growth Rate, 2000-2008
Department Structure of Financial Institutions' Loans in RMB and Foreign Currency in 2008
YOY Growth Rate of Financial Institutions' Loans in RMB and Foreign Currency by Departments in 2008
Structure of Renminbi Loans in 2008
Development Trend of the Structure of Renminbi Loans, 2000-2008
Structure of Loans in Foreign Currency in 2008
Development Trend of the Structure of Foreign Exchange Loans, 2000-2008
Term Structure of Financial Institutions' Loans in RMB and Foreign Currency, 2004-2008
Financial Institutions' Loans in RMB and Foreign Currency & Growth Rate, 2000-2008
Department Structure of Financial Institutions' Loans in RMB and Foreign Currency in 2008
YOY Growth Rate of Financial Institutions' Loans in RMB and Foreign Currency by Departments in 2008
Structure of Renminbi Deposit Products in 2008
Development Trend of Renminbi Deposit Product Structure, 2000-2008
Percentage of Other Savings Companies' Total Assets in 2008
Financial Institutions' Loan-to-deposit Ratio in RMB and Foreign Currency, 2000-2008
...
