中国における銀行業界の分析：2006-2009年

Abstract

RNCOS' report "China Banking Sector Analysis (2006-2009)", provides extensive research and objective analysis of the growing banking industry, their product quality, and their services in China. This report helps clients to analyze the leading-edge opportunities critical to the success of the banking Industry in China. Detailed data and analysis helps an investor, financial service providers, and global banking players navigate the evolving market of banks in China.

Key Products Analyzed

Key products like Deposits, Credit Cards, Debit Card, loans and ATM facility are also analyzed supported by the facts like revenue and the market trends.

Key Players

This section provides an overview, key facts, financials and stock performance of several players like Agricultural Bank of China, Bank of China, Bank of Communication, China Construction Bank, Industrial and Commercial Bank of China, Bank of East Asia, HSBC, Nanyang Commercial Bank, Standard Chartered Bank and Sumitomo Mitsui Financial Group Inc.

Key Issues and Facts Analyzed

The research report also addresses the issues and facts that are critical to business success:

• How competitive is the market landscape of Banking Industry in China?
• The nature of the services driving the Banking Sector in China?
• How demographic factors, personalized loans and demands by social classes that drive the market?
• What are the various opportunities and challenges of this industry?
• What are the prospective areas of investment for the banks in the near future?
• Which factors will lead to the growth of bankcards, loans and deposits in China?

Key Findings

• China Banks' lending is expected to grow at the CAGR of 19.32% from the year 2006.
• The banking deposits is expected to grow at the rate of about 25% CAGR from the year 2006.
• It has been forecasted that the percentage of population for the age group between 15-64 years will increase in near future. So there will an increase in the demand for the products, which caters the need of this age group like Educational loans, Housing loans, Personal loans, Insurance policies, Mutual Funds etc.
• In the present year, 22 Visa card banks have so far issued a total of 6.14 Million visa international cards in China. This is nearly thrice the figure for the corresponding period in 2004.
• It is expected that the number of households having access to banks is likely to increase by a CAGR of 27.63% in near future (2006-2009).
• Growth of SME sector is also fueling the demand for bank loans.
• The average Chinese population has a High saving rate of around 50%. This is likely to foster greater opportunities for the banking sector in china.

Research Methodology Used

Information Sources

Information has been sourced from namely, books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to access to more than 3000 paid databases.

Analysis Methods

The analysis methods includes the following: Ratio Analysis, Historical Trend Analysis, Linear Regression Analysis using software tools, Judgmental Forecasting and Cause and Effect Analysis.

Table of Contents

1. Analyst View

2. Worldwide Overview of Banking Sector, 2005

• 2.1 Introduction
• 2.2 Worldwide Forecast (2006-2010)
• 2.3 Asia Pacific Banking Scenario

3. China Banking Sector - Overview

• 3.1 Introduction
• 3.2 Top Performing Domestic and Foreign Banks
• 3.3 Types of Banks
  • 3.3.1 State-owned Banks
  • 3.3.2 Commercial Banks
  • 3.3.3 City Commercial Banks
  • 3.3.4 Rural Commercial Banks
  • 3.3.5 Closed Stock Companies
  • 3.3.6 China Rural Cooperative Bank

4. China Banking Sector - Performance

• 4.1 By Products
  • 4.1.1 Bankcard (Credit/Debit)
    • 4.1.1.1 Market Trends
    • 4.1.1.2 Domestic and International Competition
  • 4.1.2 ATM (Automated Teller Machine)
    • 4.1.2.1 Market Trends
  • 4.1.3 Bank Loans
    • 4.1.3.1 Current Scenario
    • 4.1.3.2 Non Performing Loans
  • 4.1.4 Deposits

5. Factors Driving the Banking Industry in China

6. Opportunities and Challenges

• 6.1 Opportunities
• 6.2 Challenges

7. Future Outlook

• 7.1 Growth in Banking Loan
• 7.2 Growth in Bank Deposits
• 7.3 Growth in Bank Cards

8. Latest News and Developments

9. Major Players

• 9.1 Domestic Banks
  • 9.1.1 Agricultural Bank of China
  • 9.1.2 Bank of China
  • 9.1.3 Bank of Communication
  • 9.1.4 China Construction Bank
  • 9.1.5 Industrial and Commercial Bank of China
• 9.2 Foreign Banks
  • 9.2.1 Bank of East Asia, Limited
  • 9.2.2 HSBC
  • 9.2.3 Nanyang Commercial Bank
  • 9.2.4 Standard Chartered Bank
  • 9.2.5 Sumitomo Mitsui Financial Group Inc.

10. Annexure I: China Banking - Regulatory Framework

• 10.1 Guidelines on Banks' Lending to Small Enterprises
• 10.2 Rules Governing the Consolidated Supervision of Foreign Banking Organizations
  • 10.2.1 General Provisions
  • 10.2.2 Designation and Responsibilities of the Main Reporting Bank
  • 10.2.3 Off-Site Surveillance
  • 10.2.4 On-Site Examination
  • 10.2.5 External Audit and Three Party Meeting
  • 10.2.6 Supplemental Provisions
• 10.3 Latest Developments in China' s Banking Reform
  • 10.3.1 Opening-up and Supervision - China Banking Regulatory Commission
  • 10.3.2 I. Further Opening-up of China' s Banking Sector
  • 10.3.3 II. Significant Progress in China' s Banking Reform
  • 10.3.4 III. Notable Achievements in China' s Banking Supervision

List of Figures:

• Figure 2-1: Forecast for World Banking Industry by Growth (%), 2006-2010
• Figure 2-2: Gross National Saving as a % of GDP (1990-2004)
• Figure 2-3: Asia Pacific - Bank Deposits (in Billion US$), 2000-2005
• Figure 2-4: Asia - Retail Customer Segmentation and Profitability
• Figure 2-5: Asia Pacific - High Net Worth Individuals (in Million US$), 2000-2005
• Figure 3-1: Classification of Top 100 Banks by Types, June 2006
• Figure 3-2: Classification of the Banks by Percentage of Assets, June 2006
• Figure 3-3: Classification of the Banks by Pre Tax Profit (%), June 2006
• Figure 3-4: China - Key Financials of State-owned Bank (%), 2002-2005
• Figure 3-5: China - Top 5 City Commercial Banks Assets (in Billion US$), 2004
• Figure 4-1: China - Growth in Banking Loan (in Million US$), 2000-2005
• Figure 4-2: China - Total Bank Deposits (in Billion US$), 2000-2005
• Figure 4-3: China - Time and Saving Deposits (in Billion US$), 2001-2005
• Figure 4-4: China - Current Account Deposits (in Billion US$), 2001-2005
• Figure 5-1: China - GDP Growth (in Trillion US$), 2000-2009E
• Figure 5-2: Socioeconomic Grade C (US$ 10K-34K), 2000-2009E
• Figure 5-3: Socioeconomic Grade D (US$ <10K), 2000-2009E
• Figure 5-4: HNWI Adults with Liquid Financial Assets>US$ 1 Million (2000-2009E)
• Figure 5-5: China - Bank NPL Ratio (%), 2003-2005
• Figure 6-1: China - Bankable Households (in Million), 2000-2009E
• Figure 6-2: China - Forecast for the Total Lending (in US$), 2006-2009
• Figure 7-1: China - Banking Loan Growth (in Million US$), 2006-2009
• Figure 7-2: China - Bank Deposits Growth (in Billion US$), 2006-2009
• Figure 7-3: China - Forecasted Growth for Bank Cards (in Billion), 2006-2010
• Figure 7-4: China - Forecasted Growth for Credit Cards (in Million), 2006-2010
• Figure 9-1: Bank of China - Stock Performance
• Figure 9-2: Bank of Communication - Stock Performance
• Figure 9-3: Bank of East Asia - Stock Performance
• Figure 9-4: HSBC Bank - Stock Performance
• Figure 9-5: Nanyang Commercial Bank - Stock Performance
• Figure 9-6: Standard Chartered - Stock Performance
• Figure 9-7: Sumitomo Mitsui Financial Group Inc. - Stock Performance

List of Tables:

• Table 2-1: Worldwide - Market Value of Banking Industry Group (in Billion US$), 2001-2005
• Table 2-2: Worldwide - Region-wise Segmentation of Banking Industry Group (%), 2005
• Table 2-3: Market Share of Foreign Banks in Major Economies (1990 & 2004)
• Table 2-4: Worldwide - Forecast for Banking Industry (in Billion US$), 2006-2010
• Table 3-1: China - Top 10 Domestic Banks (end-period RMB Billion unless otherwise indicated), 2005
• Table 3-2: China - Top 10 Foreign Banks, June 2006
• Table 4-1: China - Banking NPLs of Commercial Banks (2005 & Q1 2006)
• Table 6-1: China - Growth in Banking Products (in Million US$), 2001-2009E
• Table 6-2: China - Demographic Segmentation by Age Group (2000-2009)
• Table 9-1: Agricultural Bank of China - Key Financials (in RMB), 2005
• Table 9-2: Bank of China - Key Financial Ratios (%), 2003-2005
• Table 9-3: Bank of Communication - Key Financials (2004 & 2005)
• Table 9-4: China Construction Bank - Key Financials (in Million RMB), 2002-2004
• Table 9-5: Industrial and Commercial Bank of China - Key Financials, 2005
• Table 9-6: Bank of East Asia - Key Financials (in HK$ Million), 2001-2005
• Table 9-7: HSBC Bank - Key Financial Ratios, March 2006
• Table 9-8: Nanyang Commercial Bank - Key Financials (2003 & 2004)
• Table 9-9: Sumitomo Mitsui Financial Group Inc. - Key Financials (2003-2006)