Overall situation:
Judging from the scale index, the state-owned big banks counter-attacked the stock banks and rural commercial banks, only lower than the city commercial banks. Including asset growth, deposit growth, loan growth and net profit growth.
Stock banks and city commercial banks tend to invest in retail assets, and the growth rate of retail loans is much higher than the overall growth rate of loans.
According to the data of 20 17, the growth rate of retail loans of many banks is faster than that of the overall loans, especially Zhongyuan Bank, Bank of Zhengzhou Bank, Shang Hui Bank, Nanjing Bank, Zheshang Bank, Jiangsu Bank, Shengjing Bank, Chongqing Bank, Ping An Bank, China CITIC Bank, Minsheng Bank, Huaxia Bank and Shanghai Pudong Development Bank.
But there are some exceptions, such as Jinzhou Bank, Jiutai Rural Commercial Bank, Guangzhou Rural Commercial Bank, Wuxi Bank, Bank of Ningbo Rural Commercial Bank and Chongqing Rural Commercial Bank. These banks have a high proportion of retail business in the past, so there is no need to further tilt to retail, and the trend of transformation to corporate business is obvious.
As can be seen from the 20 17 national list of listed banks, zhangjiagang bank ranks first, because it is the second listed company this year, with a relatively large increase. Except for Zhangjiagang Bank, China Merchants Bank has the highest increase this year, reaching 33.54%, leading the banking sector, and the increase even exceeds Wuxi Bank and Jiangyin Bank listed in the second half of 20 16.
In addition, among the four major banks, Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank are also in the forefront, with an increase of more than 10% since 20 17.