The slowing down of China’s GDP growth has brought about concerns on the future performance of banks in the country. At the same time, the gradual re-introduction of interest rate liberalization is cutting net interest margins and forcing banks to improve their pricing capabilities and service differentiations. However, new opportunities are cropping up in the process of urbanization, as well as an upgrade in support of agricultural and SME activities. Rapid technology innovations are also transforming the delivery of products and services.