Now the competition in the banking industry is increasing, especially after the birth of private banks, the competitiveness of the banking industry is more obvious. In fact, the six state-owned banks, Industrial and Commercial Bank of China, Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Bank, have advantages in qualifications, credibility and time, relying on state-owned assets. If other 12 banks want to grow in the banking industry, they must rely on their personal abilities and operational advantages.
(1) Industrial Bank
Industrial Bank was founded in August 1988, and has grown by 3 1 year by 20 19. At present, it ranks 2 13 among the top 500 industrial banks in the world. Industrial Bank mainly has three businesses: banking, financial center and financial market. Up to now, the total market value of Industrial Bank is 388.5 billion yuan. The main revenue of the 20 19 semi-annual report was about 89.9 billion yuan, up 22.5 1% year-on-year, of which the net profit was 35.9 billion yuan, up 6.60% year-on-year, maintaining a steady growth.
(2) China Merchants Bank
China Merchants Bank was established in 1987, with a growth history of 32 years, ranking among the world's top 500 enterprises in188; China Merchants Bank has a wide range of business. In addition to banking services, it also engages in financial services such as fund business, asset management business and trust. At present, the total market value of China Merchants Bank is about 91300 million yuan. In the semi-annual report, the main income was1383 million yuan, up 9.64% year-on-year, and the net profit was 50.6 billion yuan, up 13.08% year-on-year. Both revenue and net profit grew steadily.
(3) Minsheng Bank
Minsheng Bank was established in 1996 65438+ 10/2, with a growth history of more than 23 years. China Merchants Bank ranks 232nd among the top 500 in the world. The main business of Minsheng Bank has four major services, of which banking is the main business, followed by capital business, financial leasing business, capital management business and other financial businesses. At present, the total market value of China Merchants Bank is about 270.6 billion yuan. In the first half of 20 19, the main income was about 88.3 billion yuan, up by170.2 billion yuan, and the net profit was 31600 million yuan, up by 6.77%.
(4) Shanghai Pudong Development Bank
Shanghai Pudong Development Bank was established on August 28th, 1992, with a growth history of more than 27 years, ranking 2 16 among the world's top 500 enterprises. The main business of Shanghai Pudong Development Bank is too wide, and there is no real main business. It is diversified development, similar to banking, insurance, securities, foreign exchange, fund business and other financial businesses. The total market value of Shanghai Pudong Development Bank is about 372.8 billion yuan, and its main income in the first half of 20 19 is 97.6 billion yuan, up 18.65% year-on-year. The net profit was 32 1 100 million yuan, a year-on-year increase of123.8 million yuan, the fastest growth rate among the four joint-stock banks.
Among the four joint-stock banks, each bank has its own advantages and disadvantages. There is no doubt that China Merchants Bank has the greatest potential among the four banks.
Why does China Merchants Bank have great development potential? Apart from the comparison among the four major banks, China Merchants Bank can actually compete with state-owned banks, Bank of Communications and Postal Bank, second only to the four major state-owned banks. China Merchants Bank has obvious advantages among 12 joint-stock banks.
The advantages of China Merchants Bank are mainly reflected in the firm mobile Internet strategy as the main line of development. It is precisely because China Merchants Bank has this advantage that this strategy is obviously ahead of many banks. In fact, it was China Merchants Bank that introduced ATM machines, indicating that the management of China Merchants Bank has the characteristics of foresight, accuracy and strong management ability. This is the real reason why I personally think that China Merchants Bank has the greatest development potential.
Based on the above analysis, although I personally think that China Merchants Bank has the greatest development potential, of course, I only see the advantages of China Merchants Bank from a partial perspective. In fact, every bank has its own advantages. From different angles, the development potential of these four joint-stock banks is different, so the development potential is relative.