Profitability Analysis And Evaluation Of Five Listed Commercial Banks

As the deepening of national financial reform and the speeding up of financial internationalization, state-owned commercial banks change their political or economic systems one after another, foreign banks will enter china massively and financial policies and market regulations are sure to change dramatically, and the development of social economy bring more opportunities for national banking. Of recent years, the listed commercial bank which represents national fresh blood in banking, although its scale continuously expands at top speed, its whole profitability is low. After the market opened in an all-round way, if it could not upgrade its profitability, the gap between national banks and foreign banks will widen. It is an exigent problem for the listed commercial bank to make correct evaluation about its profitability and improve its profitability.The objects of this thesis's analysis are five state listed commercial banks which just limited in the end of 2005. As commercial banks are heavily in debt and highly lever pry management, return on assets of them can more suitably present their profitability status. And this thesis bases on five listed commercial banks'annual report data, proceeds with return on assets, uses the method of profit indicator breakdown and combines five banks'business, especially focuses on the breakdown of return on assets of them, analyzes the present status of five commercial banks'profitability and each business's influence on their present profitability. And the method of illegibility maths is used to analysis their integration profitability .This thesis also makes an analysis of main factors which influence future profitability, and discusses durability of profitability.The outcome presents that these five listed commercial banks'profit statuses,some trend to better and some trend to worse, and they are vary and their profitability are low. Although it was somewhat due to the influence of national policies, the main reason is their administrative problems, and their durability of profitability is not promising. Finally, this thesis combines with our national macro-environment and the real situationof economy development, to propose some constructive advises in dealing with improving commercial banks'profitability.