How Banks Make So Much Money

In 2021, the net-profit growth rates of all six state-owned banks exceeded 10%, with the fastest growth reaching 18.6% at Postal Savings Bank. Among joint-stock banks, China Merchants Bank, Industrial Bank, and Ping An Bank each posted net-profit growth above 20%, at 23.2%, 24.1%, and 25.6% respectively.

Core deposits account for 40% of the overall bank assessment score.

Core deposits refer to the portion of bank deposits that are relatively stable over the medium to long term, offering the advantages of lower cost and enduring stability. The larger a bank's core deposits, the stronger its ability to withstand market risks.

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