The total assets of 19 private banks reached 1.64 trillion at the end of 2021, all of which achieved profitability and development and differentiation.

Produced | WEMONEY Research Room

Wen | Liu Shuangxia

From the pilot of 2014, private banks have gradually grown from 1 to 19, but they are also facing increasingly strict supervision. The development of institutions has been comprehensive.

From the data point of view, in 2021, the total assets of 19 private banks reached 1.64 trillion yuan. However, the volume of 19 private banks is equivalent to a head city commercial bank. As of the end of last year, the total assets of eight city commercial banks exceeded 1 trillion yuan, of which the total assets of Bank of Beijing exceeded 3 trillion yuan.

From the inside, the development of assets and performance of private banks is stratified. Weizhong Bank is still a unique family. Last year, Weizhong Bank's net profit was 68.84 billion yuan, accounting for more than 50%of the total profit of 19 private banks. The living space of the tail private banks is further squeezed.

01. Development and differentiation, the assets of Huatong Bank and the revitalization of banks shrink

From the perspective of volume, as of the end of last year, Weizhong Bank, Online Commercial Bank, and Suning Bank were three private banks with more than 100 billion yuan in assets, and Weizhong Bank ranked first in 438.748 billion yuan.

From the perspective of the entire banking industry, recently, the "2022 Chinese Bank of China Fortune 100 List" released by the China Banking Association shows that according to the core first -level capital net sorting, private banks currently only have Weizhong Bank on the list , Rank 58th.

Among the second echelons, Wuhan Zhongbang Bank, Jilin Yilian Bank, Hunan Sanxiang Bank, Sichuan New Network Bank, Chongqing Fumin Bank, Beijing Zhongguancun Bank, Tianjin Jincheng Bank's total assets exceeded 50 billion yuan.

Among the third echelons, Shanghai Huarui Bank, Shandong Blue Ocean Bank, Wenzhou Civil Business Bank, Liaoning Zhenxing Bank, Wuxi Commercial Bank, Meizhou Merchant Bank, Anhui Xin'an Bank, Fujian Huatong Bank, Jiangxi Yumin Bank's total assets are 17 billion to 46 billion. Among them, Jiangxi Yumin Bank ranked at the end of 17.386 billion yuan.

Judging from the growth rate of assets, the Tin Shang Bank of China has increased by 109.6%year -on -year, and Tianjin Jincheng Bank's asset scale has also doubled. The two assets of Fujian Huatong Bank and Liaoning Royal Bank declined, a decrease of 18.44%and 1.49%year -on -year.

In fact, due to the influence of Internet deposit and loan supervision policies, the scale of asset -liabilities of private banks is affected to varying degrees.

At the end of 2021, Huatong Bank absorbed 11.570 billion yuan, a decrease of 19.88%from the end of the previous year; loans and advances were issued 8.633 billion yuan, a decrease of 29.44%from the end of the previous year. In addition, Huatong Bank's assets and liabilities were "shrunk" at the end of 2021. The total assets decreased by 18.44%to 18.434 billion yuan from the end of the previous year, and the total liabilities decreased by 20.41%to 16.241 billion yuan from the end of the previous year.

Dongfang Jincheng said that relying on multi-channel customer and drainage and Internet traffic platform cooperation, etc., the scale of Huatong Bank's deposit and loan business has achieved rapid growth. From the end of 2018 to the end of 2020, the average annual growth rate of the deposit balance of the bank is 217.11%, and the loan loan is loan. The compound growth rate of balance was 180.88%. However, after the introduction of the Internet deposit and loan supervision policy, due to the lack of offline outlets and insufficient competitiveness of offline teams, the bank's deposit loan was declined.

02.19 All achieved profitability, and the overall adverse rate is lower

In terms of performance, all 19 private banks have achieved profitability, but the performance is obvious.

Weizhong Bank's operating income was 26.989 billion yuan, ranking first. The online merchant bank was 13.903 billion yuan, and Sanxiang Bank, with revenue of 3.706 billion yuan, ranked third.

From the perspective of net profit data, the revitalization bank, Xichang Bank, and Yumin Bank achieved a profit.

Weizhong Bank's net profit was 6.884 billion yuan, ranking first among 19 private banks, and net profit accounted for more than 50%of 19 private banks. The subsequent online merchant banks and Xinwang Bank, the net profit in 2021 was 2.092 billion yuan and 918 million yuan, respectively, with obvious gaps. Among the remaining 16 banks, 14 banks have a net profit of less than 500 million yuan.

From the perspective of bad data, affected by factors such as the epidemic, the establishment time, and the customer base, the assets of various private banks have different assets, but overall, the non -performing rate of private banks is low. The non -performing loans of the 18 private banks that disclosed the data are within 2%. Among them, the minimum was Meizhou Merchant Bank, only 0.04%.

In fact, due to the restrictions on the operation of different places and the supervision of Internet deposits and loans, the development of private banks is blocked and urgently needs to be transformed.

The CBRC recently issued the "Notice on Strengthening the Management of Internet Loans Business Management of Commercial Banks" mentioned that the extended time and re -renovation of the stock compliance was extended for one year, so that private banks also got the opportunity for "asthma".

Many private banks said that the current focus is on the principle of adhering to the prudent operation, optimizing the asset structure, reducing the loan -aid business of Internet platforms, strengthening its own risk control capabilities, and increasing the proportion of self -operated business.

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