PwC’s Chinese financial industry partner Zou Yan: Commercial banks urgently need to build an intermediate business management value map and build an intermediate business smart management system
Beijing Commercial Daily (Reporter Meng Fanxia Li Haiyan) On April 20, PricewaterhouseCoopers held a 2021 China Banking Review and Outlook for the press conference. Net profit increased by 13.06%year -on -year to 1.83 trillion yuan, achieving “double -digit” growth. The increase in net profit growth has increased the average total asset yield (ROA) of the overall listed banks compared with 2020, and the weighted average net asset yield (ROE) has remained stable compared to 2020.
The net profit difference and net interest difference between listed banks continued to narrow. Zou Yan pointed out that the net spread and net interest margin of the six large commercial banks narrowed 0.06 percentage points from 2020; the net spread and net interest margin of joint -stock commercial banks narrowed 0.07 percentage points and 0.03 percentage points, respectively; The net interest spread and net interest margin of the commercial banks narrowed 0.08 percentage points and 0.03 percentage points, respectively.
In terms of intermediate business income, Zou Yan introduced that in 2021, the overall growth rate of 44 listed banks and commissions revenue reached 9.17%. Compared with the previous year, the structure remained stable. Among them, bank cards, agents, and financial management are still the main driving factor for growth. In the context of the continuous narrowing of interest differences, commercial banks urgently need to build an intermediate business management value map, build a smart management system in the middle business, and realize the healthy development of intermediate business.