First, among the national commercial banks, the top five banks with profitability are Bohai Bank, Industrial Bank, Bank of Communications, Zheshang Bank and Huaxia Bank. According to the statistics of China Banking Regulatory Commission, as of the end of 20 18, the total overdue loans of bank guaranteed and non-guaranteed wealth management products amounted to 32 trillion yuan, up 8.5% year-on-year. According to the latest "Bank Financial Ability Ranking Report (20 18)" issued by Puyi Standard (hereinafter referred to as the report), among the national commercial banks in 20 18, the top five banks in comprehensive financial ability were Industrial Bank, China CITIC Bank, China Everbright Bank, China Minsheng Bank and Huaxia Bank in turn.
The report pointed out that in 20 18 years, under the strict supervision environment, Industrial Bank maintained its previous style of steady operation, performed well in various assessment items, and ranked first in the comprehensive score of financial management ability in the country; During the transition period, CITIC Slow-Selling Bank actively responded to the call of supervision, adjusted its product line in time, and strengthened and consolidated its capabilities in all aspects. The comprehensive score of financial management ability ranked second among banks in China. Everbright Bank has further enriched its product line, and its risk code has excellent management ability, and its comprehensive score of financial management ability ranks third among banks in China. "Among the top ten national banks, the ratio of national joint-stock banks to state-owned banks is 7: 3, which is two more than 20 17."
Second, with the approval of five financial subsidiaries of state-owned banks, it is expected that the comprehensive financial performance of state-owned banks in national banks will be more eye-catching in the future. According to industry insiders, under the call of supervision to actively guide industry transformation, in the face of severe internal and external environment, state-owned banks have accelerated the transformation of wealth management business with outstanding advantages such as talent reserve, asset allocation ability, system construction and customer resources, and achieved certain results. Industry resources are further concentrated in the head. According to the report, in 20 18, among the city commercial banks, the top ten banks with comprehensive financial capabilities were Bank of Jiangsu, Bank of Beijing, Bank of Nanjing, Bank of Bank of Ningbo, Bank of Shang Hui, Bank of Jinzhou, Bank of Qingdao, Bank of Shanghai, Bank of Baoshang and Bank of Harbin.
Judging from the comprehensive score, the comprehensive score of Jiangsu bank's financial management ability is still significantly ahead, with outstanding performance in risk management ability and standardization of information disclosure, and its financial management ability can be compared with that of national banks; Bank of Beijing and Bank of Nanjing, which rank second and third among city commercial banks respectively, have relatively high indexes, similar comprehensive scores of financial management ability and fierce competition. In addition, judging from the number of rural financial institutions participating in the ranking, there were 355 rural financial institutions participating in the ranking in 20 18, a decrease of 13 compared with 20 17.
Third, "20 18 frequent regulatory policies and the continuous situation of strict supervision of bank assets management have brought great impact to rural financial institutions, especially small and medium-sized rural financial institutions with weak strength." The new regulations on asset management and the Measures for the Supervision and Administration of Financial Management of Commercial Banks require the transformation of bank financial management to net worth. However, small and medium-sized rural financial institutions show obvious disadvantages in asset management talent reserve, system construction, product research and development, etc., and it is difficult to support the transformation and development of subsequent asset management business, forcing them to consider new development directions. For investors, the most concern is the bank's ability to make money. According to the report, among the national commercial banks, the top five banks with profitability are Bohai Bank, Industrial Bank, Bank of Communications, Zheshang Bank and Huaxia Bank.