The Profitability Study Of Z Bank

Compared with the state-owned commercial banks,the development of city commercial banks started later.At first,they mainly provided financial services for small and medium-sized enterprises and provided assistants for local economic development.Nowadays,with the rapid development of China's economy,the reform of financial marketization and the rise of small and medium-sized enterprises,city commercial banks have penetrated into all aspects of the financial system and become indispensable in the financial market.However,with the advent of the Internet financial era,the competition in the domestic traditional financial market is becoming more and more intense.The continuous turbulence of the international financial situation also has a huge impact on the traditional banking industry.This is an unprecedented challenge for commercial banks,but it also breeds opportunities.The homogenization of banking services is becoming more and more serious.Large banks,with their capital advantages and abundant customer resources,can afford the change of business model caused by the changes of the times,and have more sufficient capital to carry out financial innovation and business model updating.But for the regional city commercial banks,the situation is not optimistic,they are facing the same severe test,but they may not be able to bear the same risk.But the city commercial bank is not as big as the National Bank,so the ability to resist the risk is naturally weak.At this time,it is very important to enhance the competitiveness of city commercial banks,improve the level of profitability,and further expand enterprises.Bank Z is the earliest and largest city commercial bank in Liaoning Province.It is the third city commercial bank to set up branches across provinces after Bank of Beijing and Bank of Shanghai.This paper from the actual development of commercial banks to carry out related research,first introduces the concept of profitability,and then analyzes the development of banking and city commercial banks,through the construction of DuPont analysis system and EVA system combined financial model,a large number of relevant data collection,calculation of relevant financial indicators,analysis of Z bankprofitability.Taking the profit level of bank Z as the preliminary research object,this paper deeply understands its financial status and operating results,and further decomposes the influencing factors of bank Z's profit.Then,the stability and sustainable development of Z bank's profitability are comprehensively analyzed and evaluated by introducing non-performing loan ratio,cost income ratio and other indicators.At the same time,it analyzes the reasons for its good or general operation.In addition to improving the profitability of bank Z,it can also provide effective reference and guidance for the development of other city commercial banks in the future,help city commercial banks to better position for development,and guide the sustainable and stable development of city commercial banks.Finally,it summarizes the shortcomings and disadvantages of bank Z in the operation process,the limitations of profitability,risk management ability and cost management ability,and gives suggestions and countermeasures.In this paper,financial indicators and DuPont analysis are used to evaluate the profitability and sustainability of bank Z.