Intermediary Business Report of China Banking （中介业务报告中国银行业）.pdf

Intermediary Business Report of China Banking Industry, 2007-2008 • With the continuous buildup in the revenue proportion of the intermediary business to bank's total, developing the intermediary business has become the priority of the banking industry. At present, the ratio of non-interest revenue to the bank's total in major countries is all around 20% and that of some individual banks is even as high as 70%. So the non-interest revenue has become an extremely important factor in deciding the total revenue of a bank. Our research shows that the average ratio of non- interest revenue to the total of a bank in the United States of America and Canada is 45%, that in European countries is 44% and that in Australia is 28%. The more developed a country's economy is, the higher the ratio of non-interest revenue will be in the country. • In China, every listed bank had a big growth in business performance in the fist half of 2007. The rapid growth in the revenue of the intermediary business has become another reason for the surge in profit of a bank, in addition to the conventional interest revenue. • Take service charge and commission, the most typical revenue in the intermediary business, for instance, in the first half of 20