Work

Strategies for Increasing Non-Interest Income and Their Impact on Profitability: A Case of Chinese Commercial Banks

Year: 2025

Type: article

Abstract: China's banking sector has experienced groundbreaking methods of diversifying revenues other than conventional interest revenues. In this study, we examine important strategies commercial banks in China have taken to generate non-interest revenues and their impact on profitability. Through research on innovations in wealth management, fee-based business development, and digital banking services, this study demonstrates banks' adaptation to narrowing margins and complex regulatory environments. The research demonstrates that state-owned and joint-stock banks best integrate such strategies with digital transformation, cross-border services, and targeted wealth management products being drivers of financial performance in China's new banking paradigm.

Source: Journal of Information Systems Engineering & Management

DOI: 10.52783/jisem.v10i3.3748

Author: Gao Hui

Institution: University of Finance and Economics

Language: English

Topic: Banking Sector Performance and Management

Subfield: Accounting

Field: Business, Management and Accounting

Domain: Social Sciences

Open Access status: diamond

OpenAlex ID: W4409144010

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