Company Study of China CITIC Bank
  • Jul/2007
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The main business income of CITIC Bank still comes from traditional interest revenues. Net interest income accounts for 92.39% of operating revenue; while the earnings of intermediary business only take a share of 4.26%. B2B business income is still the main income source of the company, taking 79.82% of operating revenues. Additionally, the earnings of retail business and capital business account for 13.38% and 9.91% respectively.

In 2003-2006, the compound growth rate of net profits of CITIC Bank stood at 37.92%, and the net assets profit margin was 13.42% in 2006, indicating a level of medium or low among shareholding commercial banks. Except for the administrative expenses of the group, in 2006, ROAE rose to 14.13%, and the annual compound growth rate arrived at 41.7%, being at the intermediate level among shareholding banks.

Proportion of individual deposits in total deposits of CITIC Bank rose from 11.0% in 2004 to 17.1% in 2006. The compound growth rate in 2004-2007 was up to 48.9%, ranking the third among shareholding banks, only behind China Merchants Bank and Bank of Communications.

Loan Orientation of CITIC Bank

Comparison of Bank Loan Distribution (%)

1. Company Profile
1.1Basic Information
1.2 Holding Stockholder
1.3 Business Structure

2. Competitive Advantages
2.1Backup Force of China's Largest Financial Group
2.2 Introduction of Strategic Investor BBVA
2.3Advantages in B2B Business

3. Operating Performance of CITIC Bank
3.1 Profitability
3.2 Risk Control Ability
3.3 Future Business Development

4. Forest of Profits
4.1Net Interest Margin
4.2 Cost of Operating Expense

5. Risk Factors
5.1Financial Disintermediation Effect being more enhanced
5.2 Fiercer Talent Competition
Main Business Structure of CITIC Bank
Equity Structure of CITIC Bank
B2B Business Comparison of Banks
Comparison of Annual Return on Net Assets and Annual Compound Growth Rate of CITIC Bank
Loan Orientation of CITIC Bank
Statistics on Individual Business Income of CITIC Bank
Proportion of Individual Deposit to Total Deposit in Banks
Proportion of Individual Loan to Total Loan in Banks
Statistics on Intermediary Business of CITIC Bank
Proportion of Revenue from Intermediary Business of CITIC Bank
Core Profitability Comparison of Shareholding Banks
Bad Loan Ratio Comparison of Shareholding Banks
Distribution of Bank Loans
Individual Loan Structure and Growth of CITIC Bank
Structure of Revenue from Intermediary Business and Growth of CITIC Bank
Net Interest Spread and Net Interest Margin of CITIC
Operating Expense Structure of CITIC Bank
Profit Forecast of CITIC Bank, 2007 & 2008

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