Company Study of Nanjing Bank, 2007
  • Jul/2007
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The loan risk of the company is higher than the average level of national commercial banks, which is shown in four points: 1 high regional concentricity, more than 90% loan of the company is in Nanjing; 2 high industry concentricity, there are just 3 industries whose separate loan is more than 10%, but their accumulated loans share 85% of the total; 3 high company concentricity, the accumulation of the top 10 loan clients amounts for more than 90%; 4 the ratio of guaranteed loan to company loan reaches 41%. Compared to the risk of company loan, the provisioning coverage ratio was just 107.2%.

Revenue Structure, 2004-2006


Ratios of Company Loan and Individual Loan to Total Loans


 

Interest-bearing Assets Structure of Commercial Banks



                                                                            

1 Driving Factors for Profit 
2 Deposit Portfolio Structure and Interest Rate 
3 Loan Quality 
4 Comparison in the Same Industry 
Revenue Structure, 2004-2006 
Assets Structure, 2004-2006
Profitability of Assets Interest Business
Factors to Influence the profits of Interest-bearing Assets 
Average Balance of Loan and Average Returning Rate 
Factors to Influence Loan Business Profitability 
Return Rate of Bond Investment 
Factors Affecting Bond Investment Return Rate 
Ratios of Company Loan and Individual Loan to Total Loans
Average Deposit Balance and Returning Rate 
Factors Affecting Deposit Interest Cost 
Factors Affecting Capital Cost with Integrated Interest Liabilities 
Loan Structure 
Interest-bearing Assets Structure of Commercial Banks 
Comparison of Deposit and Loan Rate and Interest Gap Return 
Comparison of Average Bond Investment Returning Rate of Commercial Banks 
Comparison of Intermediary Business Revenue of Commercial Banks 
Provisioning Coverage Rate Comparison of Commercial Banks 
Loan Quantity and Ratio, 2004-2006 
Individual Loan Distribution, 2004-2006 
Ratio of Customer Deposit in Liabilities with Interest Improves 
Main Source of Deposit Capital is Public Deposit 
Non-performing Loan Industry Distribution and Individual Valuation Reserve Coverage Rate

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