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Analysis on Size Effect to Commercial Banks Operation ——Based on comparisons of CMB bank and CCB bank. Member: 刘英英 、田爽、 张小慧、李雪君. Differences. CCB. CMB. Big banks. Small banks. CCB.

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slide1

Analysis on Size Effect to

Commercial Banks Operation

——Based on comparisons of

CMB bank and CCB bank

Member: 刘英英 、田爽、

张小慧、李雪君

slide2

Differences

CCB

CMB

Big banks

Small banks

slide3

CCB

A leading joint-stock commercial banks

CMB

China's first entirely by the enterprise legal person shares of joint-stock commercial bank

slide4

Assets

CMB

CCB

slide5

Net loans and advances

to customers

The CCB lack the incentives lending to SMEs.

The CMB familiar with customer’s credit and operating conditions.

Solve the problem of information asymmetry.

the CMB has the advantage in relationship lending

CMB

CCB

slide6

Liabilities

Deposits from customers

The CCB has a higher bank credit.

The CCB has more bank branches.

CCB

CMB

slide7

Income

Non-interest income

CCB

The CCB is easier to transformation .

CMB

slide8

Invest

The CCB has a bigger long-term investment.

A higher rate of return.

CCB

CMB

slide9

Loans

Short-term loans

CMB is much larger than CCB.

Medium and long-term loans

CCB is much bigger than CMB.

CMB

CCB

slide10

Distribution of loans

by overdue term

the longer the term, the banks should bear the risk of more probable that the borrower can not repay the loan

CCB

CMB

slide11

Deposit

the majority of customers also chose a short-term time deposits, temporarily put the money in the bank to wait for better investment opportunities.

CCB

CMB

slide12

Financial Ratios

CCB has a higher ROE

CCB ‘s borrowed funds investment is bigger than CMB.

The financial leverage can increase the efficient use of funds.

slide13

CMB has a higher NIM.

CCB’s cost is higher than CMB.

CCB has a higher non-performing loans ,but the loan ratio is low.

CCB has a poor supervision on loans , didn’t properly

assess the borrower’s repayment ability.

CMB has a higher level on loan-to-deposit ratio

CCB put more deposits in investment.