Comparative Research On Profitability Of HX、PA And ZS Banks

Profitability,as one of the two principles of commercial bank management,is in the primary position.In recent years,the situation at home and abroad is complicated and changeable,and the competition in the banking industry is particularly fierce,which is not only reflected in the industry,but also many financial enterprises outside the industry are grabbing the market.Therefore,how to improve the profitability of commercial banks and realize the long-term prosperity and stability of the development of commercial banks,that is,to find the breakthrough point of new business or profit growth point,is the significance of this paper.In order to further explore the profitability of commercial banks,Then based on the previous research results,selects three listed joint-stock banks for analysis from the aspects of asset size,establishment time,shareholder background and region.Based on the financial data of the three case banks from 2015 to 2019,the entropy method is used to evaluate the profitability of the three banks in general,and then the case banks are compared and analyzed from three aspects of growth capacity,profitability and sustainable development respectively.Growth ability analysis: firstly,it makes comparative analysis on the changes of scale index,growth index,structure index and assigns growth ability score.Finally,it makes comprehensive evaluation on the growth ability of the three banks.Profitability analysis is respectively from the business net interest rate,net assets yield and yield per capital indicators three dimensions,this paper compares and analyzes and evaluate the profit ability strong or weak,sustainable analysis from three to five years of capital adequacy,asset quality as well as the sustainable growth rate volatility to analyze the stability of the sustainable development and boast skillful.Through the above analysis,it is found that there are more or less problems in the operation and development of the three banks.The external factors are mainly economic cycle,interest rate reform,policy orientation and the influence of Internet finance.And face the same external environment,three Banks,respectively established their respective development plan or management ideas,just because of the different management idea,will form different mechanism construction and operation mode,leading to different assets,business structure and risk control level,etc.,finally forms the different profit situation.In the face of the current situation and difficulties,this paper summarizes the countermeasures and suggestions or development plans for the case banks on how to further improve profitability,keep up with the pace of national development,through merger and reorganization,to achieve complementary advantages;And formulate the development strategy that fits the reality,the whole line is consistent with the next;More importantly,it is necessary to return to the origin,focus on the main business to deliver fresh blood to the real economy,and further strengthen and expand,so as to further improve profitability.