The competitiveness of commercial banks can be investigated from the "three characteristics" of commercial banks, namely liquidity, safety and profitability, and at the same time combined with the operational ability of commercial banks.
Specific calculation:
1, liquidity: liquidity ratio, loan-to-deposit ratio.
2. Security: NPL ratio and capital adequacy ratio.
3. Profitability: asset profit rate, capital profit rate, earnings per share, income profit rate, cost-income ratio and pre-tax profit rate.
4. Operating ability: equity multiplier and asset utilization rate.
The competitive potential of commercial banks can be investigated from their development ability and financial innovation ability.
Specific calculation:
5. Development capacity: profit growth rate, total assets growth rate and deposit growth rate.
6. Innovation ability: personnel quality, non-interest growth rate.