Research On EVA Operating Performance Evaluation Of Bank Z

In recent years,with the change of domestic macroeconomic situation,the operating environment of domestic banking industry is also changing constantly.China's economic growth is relatively slow,the overall economic development is in a new normal state,the financial system reform is further deepened,interest rate marketization is further developed,regulators have implemented more stringent regulatory measures,and internet finance has also brought a lot of impact on the traditional banking industry.These changes in the external environment have brought tremendous impact to the domestic banking industry.As a newly listed city commercial bank,Bank Z faces many challenges in its future operation and development.Economic Value Added(EVA)can be used to evaluate the operation performance of commercial banks.It evaluates the comprehensive operation performance of commercial banks that create wealth for shareholders,and also meets the scientific requirements for the evaluation of the operation performance of commercial banks under the conditions of market-oriented development.This paper introduces Economic Value Added(EVA)into the performance analysis of Bank Z,clarifies the complement and superiority of EVA to the traditional financial analysis index,and amends the traditional financial index system with the help of EVA.Based on the EVA index system,this paper uses the financial data of Bank Z to make a longitudinal analysis and horizontal comparison between the comprehensive index and the single index of the performance of Bank Z.Therefore,it can analyze and evaluate the performance of Bank Z in an all-round way.After analyzing and evaluating the EVA performance of Bank Z,it is found that there are some problems in the operation of Bank Z,which are mainly manifested in the following aspects:Firstly,the single source of income makes insufficient profit growth space.Secondly,the non-performing loan rate continues to rise,and the quality of assets needs to be improved.Thirdly,the capital adequacy rate is low,the liquidity is insufficient,andthe ability to resist risks is poor.In view of the above problems,based on the specific situation of Bank Z,three strategies should be adopted to improve the bank's operating performance: First,actively broaden business channels and find new profit points.Second,promote the transformation and upgrading of loan business to improve the quality of assets.Third,enhance capital adequacy and strengthen risk management.