Why Say You Should Buy Bank Stocks When You Have Savings?

First, the dividend payout ratio is essentially a default 30% requirement under the “Commercial Bank Capital Management Measures,” which sets a minimum core tier-1 capital adequacy ratio for banks. Core tier-1 capital adequacy ratio = core tier-1 capital / total risk-weighted assets, and a bank’s theoretical dividend payout ratio = 1 − (scale growth / return on equity), averaging about 30%.

Second, compared to other industries, banks’ earnings show very little volatility, making them a quasi-public-market product in the stock market.

Historically, the annual dividend yield from the four major state-owned banks has delivered an approximate annualized return of 4–5%.

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