China City Commercial Bank Report, 2009-2010

Report Summary

During 2003-2009, along with the compliance of corporate governance, large-scale introduction of foreign capital, trans-regional development, mergers and acquisitions, and entry of strategic investors, the total assets of Chinese city commercial banks have been increased to RMB5.68 trillion in 2009 from the RMB1.46 trillion in 2004, with an annual average compound growth rate up to 31.2%. As of Q1 2010, the total assets of Chinese city commercial banks amounted to RMB5.99 trillion, up 33.5% over the same period last year.

Up till the end of 2009, there were more than 140 city commercial banks in China, of which, 14 banks, including Ping An Bank, Bank of Shanghai and Shengjing Bank, each possessed assets exceeding RMB100 billion, over 70 banks each had total assets of RMB10-100 billion, and more than 50 banks each held total assets of less than RMB10 billion. City commercial banks might encounter a “tripolar” future, namely, becoming national banks, becoming regional banks or community banks, being merged or going bankrupt.

From small to large, local to nationwide, China city commercial banks have gradually expanded their assets and business scope, and will play a more important role in the economic development while highlighting the following characteristics in their operations: 1) giving priority to SMEs; 2) pursuing differentiated development; 3) promoting intermediary businesses based on financial management services; 4) continuing the penetration into county-level economies and setting up more rural banks.

Casting light on the current development, operation and financial index of over 60 city commercial banks in China, this report can serve as an important reference for grasping the development trend of Chinese city commercial banks.

1. Development Background and History of China City Commercial Banks
1.1 Development Background and History
1.2 City Commercial Bank Policies of China
1.2.1 Policies
1.2.2 Summary

2. Development of China City Commercial Banks
2.1 Overview
2.1.1 Size of Assets
2.1.2 Quality of Credit Assets
2.1.3 Capital Adequacy Ratio
2.1.4 Profitability
2.2 Development Characteristics
2.2.1 More Explicit Orientation of Serving SMEs
2.2.2 Differentiated Development Pattern Shaped
2.2.3 Vigorous Development of Intermediary Business based on Financial Management Services
2.2.4 Economic Penetration towards Counties
2.3 Development in 2009
2.3.1 Renaming
2.3.2 Trans-regional Operation
2.3.3 Restructuring
2.3.4 Listing

3. Comprehensive Competitiveness of City Commercial Banks in Pan-Pearl River Delta
3.1 Ping An Bank
3.1.1 Profile
3.1.2 Financial Index
3.1.3 Development
3.2 Bank of Dongguan
3.2.1 Profile
3.2.2 Operation and Development
3.3 Fujian Haixia Bank
3.3.1 Overview
3.3.2 Operation and Development
3.4 Bank of Guangzhou
3.5 Liuzhou City Commercial Bank
3.5.1 Overview
3.5.2 Major Financial Index
3.5.3 Development
3.6 Zhanjiang Commercial Bank
3.6.1 Overview
3.6.2 Financial Index
3.6.3 Development
3.7 Guangxi Beibu Gulf Bank
3.7.1 Overview
3.7.2 Business Performance
3.7.3 Development
3.8 Guilin City Commercial Bank
3.8.1 Overview
3.8.2 Major Financial Index
3.8.3 Development

4. Comprehensive Competitiveness of City Commercial Banks in Yangtze River Delta
4.1 Bank of Shanghai
4.1.1 Overview
4.1.2 Operation
4.1.3 Development
4.2 Bank of Hangzhou
4.2.1 Overview
4.2.2 Major Financial Index
4.2.3 Development
4.3 Bank of Nanjing
4.3.1 Overview
4.3.2 Operation
4.3.3 Development
4.4 Bank of Ningbo
4.4.1 Overview
4.4.2 Major Financial Index
4.4.3 Development
4.5 Bank of Wenzhou
4.6 Bank of Nanchang
4.7 Huzhou City Commercial Bank
4.8 Bank of Jiangsu
4.8.1 Overview
4.8.2 Financial Index
4.8.3 Development
4.9 Taizhou Commercial Bank
4.9.1 Operation
4.9.2 Development
4.10 Huishang Bank
4.10.1 Overview
4.10.2 Major Financial Index
4.10.3 Development
4.11 Zhejiang Chouzhou Commercial Bank
4.12 Bank of Jiujiang
4.12.1 Operation
4.12.2 Development
4.13 Zhejiang Tailong Commercial Bank
4.13.1 Overview
4.13.2 Operation
4.14 Bank of Ganzhou
4.14.1Overview
4.14.2 Major Financial Index

5. Comprehensive Competitiveness of City Commercial Banks in Northeast Economic Zone
5.1 Bank of Dalian
5.1.1 Overview
5.1.2 Operation
5.2 Harbin Bank
5.2.1 Overview & Operation
5.2.2 Development
5.3 Bank of Jilin
5.4 Bank of Hebei
5.4.1 Overview & Operation
5.4.2 Development
5.5 Bank of Yingkou
5.5.1 Overview
5.5.2 Major Financial Index
5.5.3 Development
5.6 Panzhihua City Commercial Bank
5.7 Shengjing Bank
5.7.1 Overview
5.7.2 Major Financial Data

6. Comprehensive Competitiveness of City Commercial Banks in Western China Economic Zone
6.1 Xi’an City Commercial Bank
6.2 Nanchong City Commercial Bank
6.2.1 Overview & Operation
6.2.2 Development
6.3 Guiyang City Commercial Bank
6.4 Urumqi City Commercial Bank
6.5 Bank of Ningxia
6.5.1 Profile
6.5.2 Major Financial Index
6.5.3 Development
6.6 Baoshang Bank
6.6.1 Profile
6.6.2 Major Financial Index
6.6.3 Development
6.7 Bank of Chengdu
6.7.1 Overview
6.7.2 Major Financial Index
6.7.3 Development
6.8 Bank of Chongqing
6.8.1 Overview
6.8.2 Major Financial Index
6.8.3 Development
6.9 Bank of Lanzhou
6.10 Yichang City Commercial Bank
6.11 Fudian Bank
6.11.1 Overview
6.11.2 Operation
6.12 Kunlun Bank
6.13 Mianyang City Commercial Bank

7. Comprehensive Competitiveness of City Commercial Banks in Pan-Bohai Sea Economic Zone
7.1 Bank of Tianjin
7.1.1 Overview
7.1.2 Major Financial Index
7.2 Bank of Beijing
7.2.1 Overview
7.2.2 Operation
7.2.3 Featured Services
7.3 Qilu Bank
7.3.1 Overview
7.3.2 Operation and 2010 Business Objectives
7.4 Bank of Rizhao
7.4.1 Overview
7.4.2 Operation in 2009
7.5 Qishang Bank
7.5.1 Overview
7.5.2 Operation in 2009
7.6 Bank of Langfang
7.7 Yantai Bank
7.7.1 Overview
7.7.2 Major Financial Index
7.8 Linshang Bank
7.9 Chengde City Commercial Bank
7.10 Weihai City Commercial Bank
7.10.1 Overview
7.10.2 Major Financial Index
7.11 Bank of Jining
7.12 Bank of Cangzhou
7.13 Bank of Qingdao
7.13.1 Overview
7.13.2 Major Financial Index
7.14 Dezhou Bank
7.15 Dongying City Commercial Bank
7.16 Laishang Bank
7.16.1 Overview
7.16.2 Major Financial Index

8. Comprehensive Competitiveness of City Commercial Banks in Central China Economic Zone
8.1 Bank of Changsha
8.1.1 Overview
8.1.2 Major Financial Index
8.2 Hankou Bank
8.2.1 Overview
8.2.2 Major Financial Index
8.3 Jincheng Commercial Bank
8.3.1 Overview
8.3.2 Major Financial Index
8.4 Bank of Zhengzhou
8.4.1 Overview
8.4.2 Major Financial Index
8.5 Deyang City Commercial Bank
8.5.1 Overview
8.5.2 Major Financial Index
8.6 Datong City Commercial Bank
8.7 Bank of Luoyang
8.7.1 Overview
8.7.2 Major Financial Index