Overview:

During 2003-2009, along with the compliance of corporate governance, large-scale introduction of foreign capital, trans-regional development, mergers and acquisitions, and entry of strategic investors, the total assets of Chinese city commercial banks have been increased to RMB5.68 trillion in 2009 from the RMB1.46 trillion in 2004, with an annual average compound growth rate up to 31.2%. As of Q1 2010, the total assets of Chinese city commercial banks amounted to RMB5.99 trillion, up 33.5% over the same period last year.

Up till the end of 2009, there were more than 140 city commercial banks in China, of which, 14 banks, including Ping An Bank, Bank of Shanghai and Shengjing Bank, each possessed assets exceeding RMB100 billion, over 70 banks each had total assets of RMB10-100 billion, and more than 50 banks each held total assets of less than RMB10 billion. City commercial banks might encounter a “tripolar” future, namely, becoming national banks, becoming regional banks or community banks, being merged or going bankrupt.

From small to large, local to nationwide, China city commercial banks have gradually expanded their assets and business scope, and will play a more important role in the economic development while highlighting the following characteristics in their operations: 1) giving priority to SMEs; 2) pursuing differentiated development; 3) promoting intermediary businesses based on financial management services; 4) continuing the penetration into county-level economies and setting up more rural banks.

Casting light on the current development, operation and financial index of over 60 city commercial banks in China, this report can serve as an important reference for grasping the development trend of Chinese city commercial banks.

1. Development Background and History of China City Commercial Banks
1.1 Development Background and History
1.2 City Commercial Bank Policies of China
1.2.1 Policies
1.2.2 Summary

2. Development of China City Commercial Banks
2.1 Overview
2.1.1 Size of Assets
2.1.2 Quality of Credit Assets
2.1.3 Capital Adequacy Ratio
2.1.4 Profitability
2.2 Development Characteristics
2.2.1 More Explicit Orientation of Serving SMEs
2.2.2 Differentiated Development Pattern Shaped
2.2.3 Vigorous Development of Intermediary Business based on Financial Management Services
2.2.4 Economic Penetration towards Counties
2.3 Development in 2009
2.3.1 Renaming
2.3.2 Trans-regional Operation
2.3.3 Restructuring
2.3.4 Listing

3. Comprehensive Competitiveness of City Commercial Banks in Pan-Pearl River Delta
3.1 Ping An Bank
3.1.1 Profile
3.1.2 Financial Index
3.1.3 Development
3.2 Bank of Dongguan
3.2.1 Profile
3.2.2 Operation and Development
3.3 Fujian Haixia Bank
3.3.1 Overview
3.3.2 Operation and Development
3.4 Bank of Guangzhou
3.5 Liuzhou City Commercial Bank
3.5.1 Overview
3.5.2 Major Financial Index
3.5.3 Development
3.6 Zhanjiang Commercial Bank
3.6.1 Overview
3.6.2 Financial Index
3.6.3 Development
3.7 Guangxi Beibu Gulf Bank
3.7.1 Overview
3.7.2 Business Performance
3.7.3 Development
3.8 Guilin City Commercial Bank
3.8.1 Overview
3.8.2 Major Financial Index
3.8.3 Development

4. Comprehensive Competitiveness of City Commercial Banks in Yangtze River Delta
4.1 Bank of Shanghai
4.1.1 Overview
4.1.2 Operation
4.1.3 Development
4.2 Bank of Hangzhou
4.2.1 Overview
4.2.2 Major Financial Index
4.2.3 Development
4.3 Bank of Nanjing
4.3.1 Overview
4.3.2 Operation
4.3.3 Development
4.4 Bank of Ningbo
4.4.1 Overview
4.4.2 Major Financial Index
4.4.3 Development
4.5 Bank of Wenzhou
4.6 Bank of Nanchang
4.7 Huzhou City Commercial Bank
4.8 Bank of Jiangsu
4.8.1 Overview
4.8.2 Financial Index
4.8.3 Development
4.9 Taizhou Commercial Bank
4.9.1 Operation
4.9.2 Development
4.10 Huishang Bank
4.10.1 Overview
4.10.2 Major Financial Index
4.10.3 Development
4.11 Zhejiang Chouzhou Commercial Bank
4.12 Bank of Jiujiang
4.12.1 Operation
4.12.2 Development
4.13 Zhejiang Tailong Commercial Bank
4.13.1 Overview
4.13.2 Operation
4.14 Bank of Ganzhou
4.14.1Overview
4.14.2 Major Financial Index

5. Comprehensive Competitiveness of City Commercial Banks in Northeast Economic Zone
5.1 Bank of Dalian
5.1.1 Overview
5.1.2 Operation
5.2 Harbin Bank
5.2.1 Overview & Operation
5.2.2 Development
5.3 Bank of Jilin
5.4 Bank of Hebei
5.4.1 Overview & Operation
5.4.2 Development
5.5 Bank of Yingkou
5.5.1 Overview
5.5.2 Major Financial Index
5.5.3 Development
5.6 Panzhihua City Commercial Bank
5.7 Shengjing Bank
5.7.1 Overview
5.7.2 Major Financial Data

6. Comprehensive Competitiveness of City Commercial Banks in Western China Economic Zone
6.1 Xi’an City Commercial Bank
6.2 Nanchong City Commercial Bank
6.2.1 Overview & Operation
6.2.2 Development
6.3 Guiyang City Commercial Bank
6.4 Urumqi City Commercial Bank
6.5 Bank of Ningxia
6.5.1 Profile
6.5.2 Major Financial Index
6.5.3 Development
6.6 Baoshang Bank
6.6.1 Profile
6.6.2 Major Financial Index
6.6.3 Development
6.7 Bank of Chengdu
6.7.1 Overview
6.7.2 Major Financial Index
6.7.3 Development
6.8 Bank of Chongqing
6.8.1 Overview
6.8.2 Major Financial Index
6.8.3 Development
6.9 Bank of Lanzhou
6.10 Yichang City Commercial Bank
6.11 Fudian Bank
6.11.1 Overview
6.11.2 Operation
6.12 Kunlun Bank
6.13 Mianyang City Commercial Bank

7. Comprehensive Competitiveness of City Commercial Banks in Pan-Bohai Sea Economic Zone
7.1 Bank of Tianjin
7.1.1 Overview
7.1.2 Major Financial Index
7.2 Bank of Beijing
7.2.1 Overview
7.2.2 Operation
7.2.3 Featured Services
7.3 Qilu Bank
7.3.1 Overview
7.3.2 Operation and 2010 Business Objectives
7.4 Bank of Rizhao
7.4.1 Overview
7.4.2 Operation in 2009
7.5 Qishang Bank
7.5.1 Overview
7.5.2 Operation in 2009
7.6 Bank of Langfang
7.7 Yantai Bank
7.7.1 Overview
7.7.2 Major Financial Index
7.8 Linshang Bank
7.9 Chengde City Commercial Bank
7.10 Weihai City Commercial Bank
7.10.1 Overview
7.10.2 Major Financial Index
7.11 Bank of Jining
7.12 Bank of Cangzhou
7.13 Bank of Qingdao
7.13.1 Overview
7.13.2 Major Financial Index
7.14 Dezhou Bank
7.15 Dongying City Commercial Bank
7.16 Laishang Bank
7.16.1 Overview
7.16.2 Major Financial Index

8. Comprehensive Competitiveness of City Commercial Banks in Central China Economic Zone
8.1 Bank of Changsha
8.1.1 Overview
8.1.2 Major Financial Index
8.2 Hankou Bank
8.2.1 Overview
8.2.2 Major Financial Index
8.3 Jincheng Commercial Bank
8.3.1 Overview
8.3.2 Major Financial Index
8.4 Bank of Zhengzhou
8.4.1 Overview
8.4.2 Major Financial Index
8.5 Deyang City Commercial Bank
8.5.1 Overview
8.5.2 Major Financial Index
8.6 Datong City Commercial Bank
8.7 Bank of Luoyang
8.7.1 Overview
8.7.2 Major Financial Index

Selected Charts

Introduction of Foreign Capital by China City Commercial Banks, 2005-2008
Trans-regional Development of China City Commercial Banks, 2006-2008
Renaming of China City Commercial Banks, 1995-2008
China City Commercial Bank Policies, 1995-2009
Assets of China City Commercial Banks, 2003-2010
Non-performing Loan Amount & Ratio of China City Commercial Banks, 2003-2010
Capital Adequacy Ratio of China City Commercial Banks, 2004-2009
Profit after Tax & Growth Rate of China City Commercial Banks, 2003-2009
Featured Services of Some Banks, 2009
List of Renamed City Commercial Banks in China, 2009
Branches of City Commercial Banks with Total Assets Exceeding RMB100 Billion
Restructuring of China City Commercial Banks, 2009
Listing & Preparation for Listing of Some City Commercial Banks in China
Assets and Liabilities & Profit and Loss of Ping An Bank, 2007-2009
Key Ratios of Ping An Bank, 2007-2009
Total Assets and Balance of Bank of Dongguan, 2008-2009
Total Assets and Balance of Bank of Guangzhou, 2008-2009
Accounting Data and Financial Index of Liuzhou City Commercial Bank, 2007-2009
Total Assets and Balance of Bank of Quanzhou, 2007-2009
Operating Results of Guangxi Beibu Gulf Bank, 2008-2009
Assets and Liabilities of Guilin City Commercial Bank, 2007-2009
Operation of Guilin City Commercial Bank, 2007-2009
Financial Index & Supervision Index of Guilin City Commercial Bank, 2007-2009
Assets and Liabilities of Bank of Shanghai, 2007-2009
Main Business Revenue and Profit of Bank of Shanghai, 2007-2009
Total Amount of Deposits & Loans of Bank of Hangzhou, 2007-2009
Revenue and Profit of Bank of Hangzhou, 2007-2009
Risk Management Index of Bank of Hangzhou, 2007-2009
Assets and Liabilities of Guangxi Beibu Gulf Bank, 2008-2009
Total Assets and Balance of Bank of Nanjing, 2007-2009
Revenue and Profit of Bank of Nanjing, 2007-2009
Supervision Index of Bank of Nanjing, 2007-2009
Major Accounting Data of Bank of Ningbo, 2009-2010
Supplemental Financial Index of Bank of Ningbo, 2006-2009
Major Accounting & Financial Data of Bank of Wenzhou, 2007-2009
Major Supervision Index of Bank of Wenzhou, 2007-2009
Major Financial Data of Bank of Nanchang, 2007-2009
Supervision Index of Bank of Nanchang, 2007-2009
Major Accounting & Financial Data of Huzhou City Commercial Bank, 2007-2009
Major Supervision Index of Huzhou City Commercial Bank, 2007-2009
Total Assets and Balance of Bank of Jiangsu, 2007-2009
Assets and Liabilities of Taizhou Commercial Bank, 2007-2009
Loans & Deposits of Taizhou Commercial Bank, 2007-2009
Major Supervision Index of Taizhou Commercial Bank, 2007-2009
Assets and Profit of Huishang Bank, 2007-2009
Supervision Index of Huishang Bank, 2007-2009
Total Assets of Zhejiang Chouzhou Commercial Bank, 2006-2009
Financial Index of Bank of Jiujiang, 2007-2009
Supervision Index of Bank of Jiujiang, 2008-2009
Development of Bank of Jiujiang, 2009-2010
Major Accounting & Financial Data of Zhejiang Tailong Commercial Bank, 2007-2009
Supplemental Financial Data of Zhejiang Tailong Commercial Bank, 2007-2009
Major Supervision Index of Zhejiang Tailong Commercial Bank, 2007-2009
Total Assets and Balance of Bank of Ganzhou, 2007-2009
Non-performing Loan Ratio and Capital Adequacy Ratio of Bank of Ganzhou, 2007-2009
Major Accounting & Financial Index of Bank of Dalian, 2007-2009
Supplementary Business and Financial Data of Bank of Dalian, 2007-2009
Major Supervision Index of Bank of Dalian, 2007-2009
Total Assets of Harbin Bank, 2007-2009
Relevant Accounting Data and Index of Bank of Jilin, 2009
Total Assets and Balance of Bank of Hebei, 2007-2009
Total Assets of Bank of Yingkou, 2007-2009
Non-performing Loan Ratio and Capital Adequacy Ratio of Bank of Yingkou, 2007-2009
Total Assets of Panzhihua City Commercial Bank, 2007-2009
Accounting Data and Financial Index of Shengjing Bank, 2006-2009
Major Accounting & Financial Index of Xi’an City Commercial Bank, 2007-2009
Supplemental Financial Index of Xi’an City Commercial Bank, 2007-2009
Total Assets and Balance of Nanchong City Commercial Bank, 2007-2009
Net Income of Nanchong City Commercial Bank, 2007-2009
Non-performing Loan Ratio and Capital Adequacy Ratio of Nanchong City Commercial Bank, 2007-2009
Total Assets and Balance of Guiyang City Commercial Bank, 2007-2009
Financial Index of Guiyang City Commercial Bank, 2007-2009
Total Assets and Balance of Bank of Ningxia, 2007-2009
Non-performing Loan Ratio and Capital Adequacy Ratio of Bank of Ningxia, 2007-2009
Total Assets and Balance of Baoshang Bank, 2007-2009
Non-performing Loan Ratio of Baoshang Bank, 2007-2009
Total Assets and Balance of Bank of Chengdu, 2007-2009
Major Accounting & Financial Index of Bank of Chongqing, 2007-2009
Major Supervision Index of Bank of Chongqing, 2007-2009
Assets and Deposits & Loans of Fudian Bank, 2007-2009
Operating Income and Profit of Fudian Bank, 2007-2009
Capital Adequacy Ratio of Fudian Bank, 2007-2009
Supervision Index of Fudian Bank, 2007-2009
Institution Expansion of Fudian Bank, 2009
Major Accounting Data & Financial Index of Bank of Tianjin, 2008-2009 (1)
Major Accounting Data & Financial Index of Bank of Tianjin, 2008-2009 (2)
Supplemental Financial Index of Bank of Tianjin, 2008-2009
Assets and Liabilities of Bank of Beijing, 2007-2009
Revenue and Profit of Bank of Beijing, 2007-2009
Supervision Index of Bank of Beijing, 2007-2009
Major Accounting Data & Financial Index of Qilu Bank, 2007-2009
Supplemental Financial Index of Qilu Bank, 2009 Year-end
Major Accounting Data & Financial Index of Bank of Rizhao, 2007-2009
Supervision Index of Bank of Rizhao, 2007-2009
Assets and Profit of Qishang Bank, 2009
Non-performing Loan & Risk Management Index of Qishang Bank, 2009
Financial Data and Relevant Index of Bank of Langfang, 2009
Major Accounting Data & Financial Index of Yantai Bank, 2007-2009
Supplemental Financial Data of Yantai Bank, 2006-2008
Deposit & Loan Balance of Linshang Bank, 2007-2008
Total Assets and Balance of Chengde City Commercial Bank, 2009
Total Assets and Balance of Weihai City Commercial Bank, 2007-2009
Deposit & Loan Balance of Bank of Cangzhou, 2007-2009
Major Accounting Data & Financial Index of Bank of Qingdao, 2007-2009
Supplemental Financial Data of Bank of Qingdao, 2007-2009
Supervision Index of Bank of Qingdao, 2007-2009
Total Assets and Balance of Dezhou Bank, 2008-2010
Major Accounting Data & Financial Index of Dongying City Commercial Bank, 2007-2009
Total Assets and Balance of Laishang Bank, 2007-2009
Total Assets and Balance of Bank of Changsha, 2007-2009
Total Assets and Balance of Hankou Bank, 2007-2009
Major Accounting Data & Financial Index of Jincheng Commercial Bank, 2008-2009
Supplemental Financial Index of Jincheng Commercial Bank, 2008-2009
Total Assets and Balance of Bank of Zhengzhou, 2007-2009
Non-performing Loan Ratio and Capital Adequacy Ratio of Bank of Zhengzhou, 2006-2009
Total Assets and Balance of Deyang City Commercial Bank, 2007-2009
Total Assets and Balance of Datong City Commercial Bank, 2007-2009
Major Accounting Data of Bank of Luoyang, 2008-2009
Supervision Index of Bank of Luoyang, 2008-2009