China's city commercial banks, as the last institutions emerging in China's commercial banking system, were founded in 1995 through shareholding reform of the former urban credit cooperatives. They are regarded as "the third echelon" in China's banking system.

In 2007, China accelerated the pace of initial public offerings of its city commercial banks. On July 19th 2007, Bank of Nanjing went public in Shanghai Stock Exchange, becoming the first urban commercial bank stock in Shanghai Stock Exchange. Bank of Nanjing with a registered capital of CNY1.207 billion is the third urban commercial bank that has set up branches in other cities, after the Bank of Beijing and Bank of Shanghai. Besides Bank of Nanjing, Bank of Ningbo also had its IPO on the same day in the Shenzhen Stock Exchange.

Bank of Beijing (601169) had its IPO in the Shanghai Stock Exchange on Sep. 19th 2007. The Bank of Beijing opened at 23 yuan per share in its market debut, up 84% from its IPO prices of 12.5 yuan. The bank issued 1.2 billion A shares in all, among which, 900 million shares were issued on-line. The bank's shares were chased by the market and a total of CNY1.9 trillion was frozen for subscription.

Furthermore, Bank of Hangzhou, Bank of Chongqing, and Bank of Tianjin have all expressed their intention to go public clearly. It is inevitable that more China's urban commercial banks will be listed on the stock market in 2008.

Changes in Total Deposits of China City Commercial Banks, 2002-2007

 

Source: ResearchInChina

China Banking Regulatory Commission requires that domestic city commercial banks should be of a basic rudiment of a modern financial company in 2008. The basic rudiment should cover the following seven aspects: firstly, non-performing loan should remain at about 5%; secondly, capital adequacy ratio should be above 8%; thirdly, NPL provision coverage rate should reach 100%; fourthly, profit  should continue to grow; fifthly, all information should be fully disclosed; sixthly, the ability to prevent market risk and operational risk should be further enhanced; seventhly, operation features, operation mechanism, corporate management, corporate culture and quality of employees should also be further improved. All city commercial banks have made great efforts to meet the above requirements and their efforts are finally paid off, according to our in-depth analysis in this report on operation conditions and performance of 75 city commercial banks in China.

2. Competitive Edge of City Commercial Banks in Pan-Pearl River Delta Economic Zone
2.1 Shenzhen Ping An Bank
2.1.1 Overview 
2.1.2 Main Financial Indices, 2007
2.1.3 Core Competitiveness
2.2 Bank of Dongguan 
2.2.1 Overview
2.2.2 Main Financial Indices, 2007
2.2.3 Development Trend
2.3 Fuzhou City Commercial Bank
2.3.1 Overview
2.3.2 Main Financial Indices, 2007
2.3.3 Core Competitiveness
2.4 Quanzhou City Commercial Bank
2.4.1 Overview
2.4.2 Main Financial Indices, 2006
2.4.3 Core Competitiveness
2.5 Liuzhou City Commercial Bank
2.5.1 Overview
2.5.2 Main Financial Indices, 2007
2.6 Zhanjiang Commercial Bank
2.6.1 Overview
2.6.2 Main Financial Indices, 2007
2.7 Nanning City Commercial Bank
2.8 Guilin City Commercial Bank

3. Competitive Edge of City Commercial Banks in Yangtze River Delta Economic Zone
3.1 Bank of Shanghai
3.1.1 Overview
3.1.2 Main Financial Indices, 2007
3.1.3 Core Competitiveness
3.2 Bank of Hangzhou 
3.2.1 Overview
3.2.2 Main Financial Indices, 2007
3.2.3 Core Competitiveness
3.3 Bank of Nanjing
3.3.1 Overview
3.3.2 Main Financial Indices, 2007
3.3.3 Core Competitiveness
3.4 Shaoxing City Commercial Bank
3.4.1 Overview
3.4.2 Main Financial Indices, 2007
3.4.3 Core Competitiveness
3.5 Bank of Ningbo
3.5.1 Overview
3.5.2 Main Financial Indices, 2007
3.5.3 Core Competitiveness
3.6 Bank of Wenzhou 
3.6.1 Overview
3.6.2 Main Financial Indices, 2007
3.6.3 Core Competitiveness
3.7 Jiaxing City Commercial Bank
3.7.1 Overview
3.7.2 Main Financial Indices, 2007
3.7.3 Core Competitiveness
3.8.Nanchang City Commercial Bank
3.8.1 Overview
3.8.2 Main Financial Indices, 2007
3.8.3 Development Status
3.9 Huzhou City Commercial Bank
3.9.1 Overview
3.9.2 Main Financial Indices, 2007
3.10 Bank of Jiangsu
3.11 Taizhou Commercial Bank
3.12 Huishang Bank Co.
3.13 Chouzhou Commercial Bank
3.14 Jiujiang Commercial Bank
3.15 Jinhua City Commercial Bank
3.16 Zhejiang tailing Commercial Bank
3.17 Ganzhou city Commercial Bank
3.18 Shangrao City Commercial Bank

4. Competitive Edge of City Commercial Banks in Northeast Economic Zone
4.1 Bank of Dalian
4.1.1 Overview
4.1.2 Main Financial Indices, 2007
4.1.3 Future Development Trend
4.2 Harbin Bank
4.2.1 Overview
4.2.2 Main Financial Indices, 2006
4.2.3 Core Competitiveness
4.3 Anshan City Commercial Bank
4.4 Shijiazhuang City Commercial bank
4.4.1 Overview
4.5 Bank of Yingkou 
4.5.1 Overview
4.5.2 Main Financial Indices, 2006
4.5.3 Core Competitiveness
4.6 Daqing City Commercial Bank
4.6.1 Overview
4.6.2 Main Financial Indices, 2007
4.7 Panzhihua City Commercial Bank

5. Competitive Edge of City Commercial Banks in Western Economic Zone
5.1 Xi'an City Commercial Bank
5.1.1 Overview
5.1.2 Main Financial Indices, 2007
5.2 Nanchong City Commercial Bank
5.2.1 Overview
5.2.2 Main Financial Indices, 2007
5.3 Guiyang City Commercial Bank
5.3.1 Overview
5.3.2 Main Financial Indices, 2006
5.4 Urumqi City Commercial Bank
5.4.1 Overview
5.5 Bank of Ningxia Co
5.5.1 Overview
5.5.2 Main Financial Indices, 2007
5.6 Baoshang Bank
5.6.1 Overview 
5.6.2 Main Financial Indices, 2007
5.7 Chengdu City Commercial Bank
5.7.1 Overview
5.7.2 Core Competitiveness
5.8 Bank of Chongqing 
5.8.1 Overview
5.8.2 Main Financial Indices, 2007
5.9 Bank of Lanzhou 
5.9.1 Overview
5.9.2 Core Competitiveness
5.10 Yichang City Commercial Bank
5.11 Fudian Bank
5.11.1 Overview
5.11.2 Main Financial Indices, 2006
5.12 Karamay City Commercial Bank
5.13 Mianyang City Commercial Bank

6. Competitive Edge of City Commercial Banks in Pan-Bohai Sea Economic Zone
6.1 Bank of Tianjin
6.1.1 Overview
6.1.2 Main Financial Indices
6.2 Bank of Beijing
6.2.1 Overview
6.2.2 Main Financial Indices, 2007
6.2.3 Core Competitiveness
6.3 Jinan City Commercial Bank
6.3.1 Overview
6.3.2 Main Financial Indices, 2007
6.3.3 Core Competitiveness
6.4 Rizhao City Commercial Bank
6.4.1 Overview
6.4.2 Main Financial Indices, 2007
6.5 Zibo City Commercial Bank
6.5.1 Overview
6.5.2 Main Financial Indices, 2007
6.6 Langfang City Commercial Bank
6.6.1 Overview
6.6.2 Core Competitiveness
6.7 Yantai City Commercial Bank
6.7.1 Overview
6.7.2 Main Financial Indices, 2006
6.7.3 Core Competitiveness
6.8 Linyi City Commercial Bank
6.8.1 Overview
6.8.2 Main Financial Indices, 2007
6.8.3 Core Competitiveness
6.9 Chengde City Commercial Bank
6.10 Weihai City Commercial Bank
6.10.1 Overview
6.10.2 Main Financial Indices, 2006
6.10.3 Core Competitiveness
6.11 Jining City Commercial Bank
6.12 Cangzhou City Commercial Bank
6.13 Bank of Qingdao
6.13.1 Overview
6.13.2 Main Financial Indices, 2007
6.14 Dezhou City Commercial Bank
6.14.1 Overview, 2007
6.14.2 Main Financial Indices, 2006
6.15 Dongying City Commercial Bank
6.15.1 Overview
6.15.2 Main Financial Indices, 2007
6.16 Laishang Bank
6.16.1 Overview
6.16.2 Main Financial Indices, 2007

7. Competitive Edge of City Commercial Banks in Central Economic Zone
7.1 Changsha Commercial Bank
7.1.1 Overview
7.1.2 Main Financial Indices, 2007
7.1.3 Core Competitiveness
7.2 Jiaozuo City Commercial Bank
7.2.1 Overview
7.2.2 Main Financial Indices, 2007
7.3 Xiaogan City Commercial Bank
7.4 Zhuzhou City Commercial Bank
7.5 Nanyang City Commercial Bank
7.5.1 Overview
7.5.2 Development Strategy
7.6 Jingzhou City Commercial Bank
7.7 Xuchang City Commercial Bank
7.8 Deyang City Commercial Bank
7.9 Huangshi City Commercial Bank
7.10 Hengyang City Commercial Bank
7.11 Xinxiang City Commercial Bank
7.12 Datong City Commercial Bank
7.13 Zhengzhou City Commercial Bank