2009年《银行家》全球1000家大银行排名 发表评论(0) 编辑词条

　　2009年6月24日最新出版的英国《银行家》（The Banker）杂志公布的2009年全球前1000家银行的排名。此次排名依据的是各家银行2008年年终的数据，主要考虑了核心资本指标，同时还综合考虑了实际利润增长、资产收益率等大量的相关指标。这个排名完全打破了国家和地域的限制，是国际公认的权威性的评选。

　　尽管西方国家的银行在2008年亏损严重，但他们在全球1000家大银行排名榜中依然居于主导地位，主要原因是这些银行通过各种渠道筹集了大量的资本金。但问题是，今后这些银行依然会保持现有的地位吗？

　　全球银行业前景展望

　　我们很难反对如下想法：由中国领跑的亚洲银行实力的上升标志着全球金融秩序的继续重构，尤其是当考虑到该地区对全球经济增长日趋上升的经济重要性的时候。因为广阔的国内市场，充足的流动性和支持性的政府政策，中国的银行是美国银行霸主地位的天然的最终继承者。事实上，在全球25强银行榜中，有四家中资银行，其中有三家排在前13位，然而六年前，中国银行在前25强中了无踪迹。但是中资银行要取代美欧的银行（比如汇丰和西班牙国家银行(Banco Santander SA)）可能还为时尚早，毕竟就规模与实力而言，即便不是盈利能力，西方银行依然主导着全球银行业排行榜。

　　还值得记住的是，2009年的全球银行业排行榜是根据2008年末的数据排列的——这是自上个世纪大萧条以来全球银行业最糟糕的一年；今年第一和第二季度，全球银行业的基本面有所改善，有的银行要么净损失额下降，要么小有盈利（某些银行还盈利较多）。同样，去年一些参与大量交易业务的银行损失惨重，这种极端情形在明年可能不会出现。

　　因为明年银行利润很大程度上取决于西方国家摆脱经济衰退和实现经济增长的能力，显而易见的是，中国以及其他比较平滑的躲过经济下行的新兴经济体的银行在全球银行业1000强中的排名将继续攀升。这不太可能被认为是理所当然的。因为，首先，正是那些使西方银行陷入困境的创新可以将使其走出困境。其次，西方银行已经表现出重塑自己以跟上全球变化的非凡能力。

　　此外，仅在几年前，中国银行系统因巨额的不良贷款（NPLs）而压力重重 。中资银行在从其资产负债表中剥离坏账方面表现上佳，但许多人担心，为了抵消出口下降的影响，中国政府向经济中注入大量流动性的负面效应可能会给银行带来不良资产。

2008年全球最赚钱的银行

　　中国的银行毫无惊喜地在榜单中占据了五个席位，并且有三家名列前五名。中国工商银行ICBC以212亿美元的利润成为世界最赚钱的银行。西班牙国家银行以158亿美元位列第三。在英国的诸家银行中，巴克莱银行和汇丰集团榜上有名，因为相比他们的业内领先者Llyods银行和皇家苏格兰银行RBS，这俩家银行的资产规模更加适当。加拿大皇家银行RY名列第十。皇家银行是所有加拿大大型银行中利润最高的，而且已经保持多年。拉美方面，巴西布拉德斯科银行（BBD）击败了自己的对手ITUB再次杀入榜单。而在澳洲的四大银行中，西太平洋银行和联邦银行集团联手进入榜单。美国银行集团（BAC）和美国合众银行是唯一进入榜单的两家美国银行，但排名已经近乎触底，大致上从侧面反映了美国经济和住房市场的情况。

Not surprisingly Chinese banks dominates this list with a total of five and three among the top five ranks. ICBC of China ranks the most profitable in the world with a profit of $21.2B. Banco Santander (STD) of Spain came at third with a profit of $15.8B. Among the British banks , Barclays (BCS) and HSBC (HBC) are in this list because they are relatively in better shape than their peers like Llyods (LYG), Royal Bank of Scotland(RBS), etc. Royal Bank of Canada(RY) ranked number ten. Royal Bank is the most profitable of all large Canadian banks and is a long-term consistent performer. Banco Bradesco of Brazil (BBD) made it to this list at number two beating competitor Banco Itau Unibanco (ITUB).Among the big four Australian banks Westpac (WBK) and Commonwealth Bank Group are on this list.Bank of America Corp (BAC) and US Bank (USB) are the only two US banks in the rankings but came in at the bottom of the list mirroring the performance of the housing markets and the U.S. economy in general.

总资产前25名

The Top 25 World banks for 2009 based on Asset Growth are:

Source: The Banker

Royal Bank of Scotland (RBS) tops the list with total assets of $3.5 T. This amount has grown so high for RBS because it acquired ABN Amro Bank of The Netherlands in 2007 . That deal was the largest banking merger in history. ABN Amro was acquired by a consortium consisting of RBS, Fortis and Banco Santander. This deal is now not only the largest banking merger, but probably one of the worst deals ever since ABN was acquired at the peak of the credit bubble.

Out of the three Chinese banks in this list Agricultural Bank of China and Bank of China are new entrants this year.Chinese banks are growing rapidly due to strong lending environment in the domestic market as well as growth in select markets overseas. In one of the strategic moves, ICBC of China acquired a 20 percent stake in South Africa’s Standard Bank in late 2007 for expansion into Africa. Standard Bank is one of the regional heavyweights in Africa with significant presence in many countries.

Another new entrant to the top 25 list is US-based Wells Fargo (WFC). Wells Fargo’s acquisition of Wachovia last year increased its total assets. Llyods Bank (LYG) acquired UK’s largest mortgage lender HBOS plc last year as well.

一级资本前25名

“For the first time in the Top 1000’s 39-year history, the top 25 banks – which account for almost 40% of the Top 1000’s Tier 1 capital and almost 45% of its total assets – recorded a loss, which totalled $32.37bn (-28.1% of Top 1000 profits). Stripping out the profits of the lower reaches of the Top 25 means that the top five banks fared even worse. Representing 13.4% of total Tier 1 capital and 12.3% of total assets, the top five banks lost a staggering $95.8bn (-83.3% of total profits).

The worst losses are at the UK’s Royal Bank of Scotland, with $59.3bn (including losses attributable to minority interests), followed by the US’s Citigroup, with $53bn, and Wells Fargo, which lost $47.7bn. The UK’s HBOS produced the sixth worst losses in the world (see table of worst losses).”

Astonishing. Here’s the Top 25 from the rankings:

• Top 1000 world banks 2009