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why Chinese banks are sucessful
The document provides a summary of the largest banks by assets from 2007 to 2016, highlighting the Royal Bank of Scotland, ICBC, and Deutsche Bank among the top institutions. It also discusses non-performing loans in China's banking sector, particularly ICBC's significant historical issues and the government's interventions to address them. Additionally, it examines loan types and collateral within the banking system, alongside the impact of unsold housing stock on various stakeholders.
why Chinese banks are sucessful
- 1. Largest banks byassets 2007 2016 Royal Bank of Scotland $3.77 trillion Industrial & Commercial Bank of China $3.47 trillion Deutsche Bank 2.95 China Construction Bank 3.01 BNP Paribas 2.47 Agricultural Bank of China 2.82 UBS 2.53 Bank of China 2.60 Barclays 2.43 Mitsubishi UFJ Financial Group 2.59 HSBC 2.35 JPMorgan Chase 2.49 Citigroup 2.19 HSBC 2.37 Credit Agricole 2.06 BNP Paribas 2.19 Bank of America 1.72 Bank of America 2.19 Societe Generale 1.57 Wells Fargo 1.93 JPMorgan Chase 1.56 Credit Agricole 1.82 ABN Amro 1.51 Japan Post Bank 1.80 UniCredit 1.49 Citigroup 1.79 ING Bank 1.45 Mizuho 1.75 Mizuho 1.35 Deutsche Bank 1.68 Source: Annual reports, S&P Global
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- 3. Non-performing loans At theend of 2004, 19.1% of ICBC's portfolio consisted of non-performing loans.[ In order to clean up ICBC's balance sheet and prepare it for overseas listing, the Chinese government orchestrated a series of capital injections, asset transfers, and government-subsidised bad loan disposals that eventually cost more than US$162 billion.
- 4. A primerate or prime lending rate is an interest rate used by banks, usually the interest rate at which banks lend to favored customers—i.e., those with good credit.
- 8. MEAN GROWTH RATEIN 10 YEARS
- 10. Chinese high courtblack listed 6000000 bank loan defaulter These people are :- Political leaders Leaders of communist party Government employ Government officer And other defaulters
- 12. Loan by type Loan collateral Secured by mortgages: 34.1% Secured by other collateral: 22.1% Guaranteed loans: 23.3% Unsecured loans: 20.5%
- 13. Unsold housing stockpileup Impact on Investors, Boulders , Bank and country