Chang'an Bank Profitability Analysis

As a special enterprise engaged in money management,Chang'an Bank to improve its own profitability,profit maximization is its survival and development of the most important tasks,and performance evaluation,mainly through banks to reflect banks' profitability.At present,both the impact of the domestic financial market,the impact on the industry,the demand for the development of local financial center or Changan own development bank.Chang gave the bank has brought unprecedented competitive pressure.Therefore,the analysis of the profitability of the bank's Chang'an its own development needs and to enhance the competitiveness of Changan Bank are necessary.Through "Ask a question-analyze the problem-to solve the problem," the logic of the idea were studied and analyzed.First,the relevant literature city commercial banks profitability review and commentary;Secondly,according to 2011 Chang'an Banking-2015 Status Report on its profitability,respectively,from balance sheet,capital structure,profitability indicators,income structure and level of cost control aspects of the analysis,and select the same type of Beijing,Bank of Shanghai,Bank of Nanjing and Bank of Ningbo comparative analysis,found income single structure,capital the overall cost of smaller assets,and the problem of low level of control,To solve these problems,with traditional financial analysis system from DuPont ROE,the main business profit margin,total asset turnover and equity multiplier aspects of analysis and study of Chang'an bank profitability,while the use of improved management from DuPont Financial Analysis angle of bank profitability Chang analyzed,as well as Changan profitability of banks from continuing to analyze capital adequacy ratio,non-performing loan ratio,provision coverage,cost to income ratio aspect,draw Changan bank profit model is unreasonable,not the asset structure reasonable and lack of intermediary business development ect.And the corresponding proposed upgrade Changan bank profitability suggestions for actual results,and the above analysis,such as Chang'an banks to improve their profitability should in advancing its reform of the internal management mechanism,improve the ability to control costs,improve management,improve the organizational structure,wherein the positive development between business and continue to improve asset quality,strong profitability in order to gain the competitive environment to cope with the experience.