The sixth major bank's revenue in the first half of the year exceeded 1.94 trillion?What should I think of the most profitable commercial banks?

In the Chinese financial market, the banking industry is undoubtedly one of the most profitable financial institutions. Recently, various commercial banks have densely disclosed their financial reports. Facing the transcripts of various commercial banks, China ’s largest six banks are undoubtedly the most attracting the most cited. People are concerned, the results of the six major banks are quite good, and the revenue in the first half of the year exceeded 1.94 trillion. Many people are asking what should we think of this most profitable commercial bank?

The first half of the sixth major bank revenue exceeded 1.94 trillion?

According to the Huaxia Times, as a whole, in the first half of this year, the net profit of the six major banks achieved positive growth as scheduled, and the total operating income was over 1.94 trillion yuan, an increase of 5.22%year -on -year; Increasing 6.03%.

In the first half of the year, the total net profit of the six major banks achieved a net profit of 673.171 billion yuan, an increase of 6.03%year -on -year. Based on 181 days, the average daily earned 3.719 billion yuan. In terms of subdivision, based on net profit as a dimension, the "largest bank of the universe" Industrial and Commercial Bank of China achieved operating income of 487.27 billion yuan, an increase of 4.2%year -on -year; the net profit attributable to mothers was 171.506 billion yuan, an increase of 4.91%year -on -year.

Also calculated based on 181 days in the first half of the year, ICBC earned about 947 million yuan a day, and the performance was available. Followed by the Construction Bank. During the reporting period, the bank realized operating income of 435.970 billion yuan, an increase of 4.72%year -on -year; the net profit attributable to the mother was 161.642 billion yuan, a year -on -year increase of 5.44%.

The net profit ranked third and fourth, which were Agricultural Bank and Bank of China, respectively, with 128.945 billion yuan and 119.924 billion yuan, respectively, a year -on -year increase of 5.5%and 6.3%.

As far as the growth rate of net profit is concerned, postal savings banks are the only banks in the six major banks that achieve double -digit growth, ranking first with a growth rate of 14.88%.

2. What should the most profitable commercial banks think?

We see that the entire transcript of the six major national banks is very admirable. The overall performance of the six major banks of the whole state is too beautiful. Under many companies facing relatively large problems, the six major banks of the state -owned six major banks We have formed our own huge market advantages, so how do we judge the current market performance of the six major states?

First of all, the performance of the six major national banks is very good. The core reason is under the current market environment. These large commercial banks with strong market influence and market competition advantages have a larger market development than other commercial banks. Space can form a better market performance in the market, especially when the current market interest difference is relatively small, consumers are increasingly agreed with the credibility of the six major national banks, thereby helping the six major national banks A better market performance is achieved, which is an inevitable result produced by the six state -owned banks in the process of market development.

Secondly, what we can see is that the entire banking industry is actually generating two eight division. The six major national banks, as the top commercial banks. With their own advantages, their own asset foundation has gradually formed a comprehensive market. In the process of development in this market, the six major states of state -owned states can be further expanded through the current market advantages. For most small and medium -sized commercial banks, relatively large operating pressure The body is relatively small, especially the number of more than the six major outlets, and the market influence is large, which has formed a sufficient market differentiation competitive advantage for the entire market.

Third, to the performance of the six major banks, the current postal savings bank has begun to have a trend beyond the Bank of Communications. Faced with the greater competitive pressure, if in the six major national banks, there is still no way to form its own differentiated competitive advantage, it is likely to face greater market competition pressure. And on the current market, everyone's awareness of the Bank of Communications has also declined to a certain extent. This may also be the reality that the Bank of Communications must face. The problem.

Fourth, the current six state -owned commercial banks are in fact to promote the development of inclusive finance and fintech. It can be said that scientific and technological digitalization has become the common development trend of the six major national banks. The future trend of the financial industry and technology will be It is very obvious that the current profit of commercial banks is actually the embodiment of its own scale, economic advantages, capital advantages, and technological advantages. In particular, the continuous development of fintech in recent years has helped the six major banks of the state -owned state -owned, and it has gradually formed its own huge differences. Division of advantages, these advantages are helping the six major national banks to further consolidate their market development.

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