Analysis On Profitability Of Retail Business In ZS Bank And Improvement Measures

For a long time, banks in China mainly focus on the wholesale banking while retail banking does not have due attention. With the change of macroeconomic environment, interest rate liberalization and other factors, the profit of wholesale banking is squeezed. At this time, developing retail banking is helpful to a bank’s profitability. This essay takes ZS bank as the body of research, aiming to analyze its present situation and profitability of retail banking, then summarizes the profitability and gives improvement measures.Chapter one introduces relevant background and literature review. Chapter two introduces concept, categories and theoretical basis of retail banking, as well as concept, measurement and main factors of banking profitability. Chapter three introduces development situation, strategy, strength-weakness comparison and some problems of ZS bank’s retail banking. Chapter four analyzes the retail banking profitability of ZS bank from aspects of interest revenue, non-interest revenue, operating revenue, operating cost, earnings before tax, earnings before tax and provision, return on investment. Chapter five gives measures to improve retail banking profitability in the way of enhance banking contact, adjust banking structure, improve professional service capacity, coordinate and integrate banking channels.