Banking products are dominated by deposits, while credit card and consumer lending are generally in their infancy.

About 99 percent of respondents said they use deposits while consumer lending such as individual mortgages takes up only five percent and the figure for credit card is 13 percent.

"Marketing and construction of multi-channels will be effective for improving the competitiveness of banks," TNS said.

The credit card business in China stands out, with average customer retaining index of 79, higher than the global level of 65.

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