Listed banks are focusing on improving the overall performance of the asset quality

In August, 42 banks listed on A shares will disclose the semi -annual performance report. Judging from the disclosure of performance reports in July, 12 listed banks released the semi -annual report performance "pre -joy", and the net profit attributable to the parent company exceeded 10%year -on -year. On the whole, the performance of listed banks has remained stable, the adverse rate has decreased, and the quality of assets continues to optimize.

The overall performance is dazzling

As of the end of July, the operating performance of the semi -annual report of the six listed banks performed well. Such as Bank of Jiangsu, Bank of Nanjing, and Bank of Hangzhou exceeded 10 billion yuan in the first half of the year, with 35.107 billion yuan, 23.532 billion yuan, and 17.295 billion yuan, respectively, a year -on -year increase of more than 10%. Although Jiangyin Bank's operating income was at the bottom of the 12 banks, it was 2.036 billion yuan, but the fastest increased year -on -year, reaching 25.96%.

In terms of net profit attributable to the parent company, the net profit attributable to the parent company in the first half of the year was 13.380 billion yuan, ranking first in the 12 pre -happy banks, an increase of 31.20%year -on -year. The second place in net profit ranks second in Nanjing. The net profit attributable to the parent company in the first half of the year was 10.150 billion yuan, an increase of 20.06%year -on -year.

While the operating performance and net profit continue to improve, because the parties have increased their efforts to deal with non -performing assets, establishes effective prevention and resolution of the risk, and compact the responsibilities of all parties. Quality -related indicators are continuously optimized, and the rate of non -performing loans has decreased compared to the end of the previous year. Jiangyin Bank, Jiangsu Bank, Su Nong Bank, and Suzhou Bank's non -performing loans have fallen to less than 1%. Among them, Jiangyin Bank fell the largest, down 0.34 percentage points from the end of the previous year. Among the 12 banks, Zilu Bank, with the highest non -performing loan ratio, is only 1.33%.

The latest research report of Zhejiang Business Securities mentioned that the semi -annual performance forecast of many listed banks showed that the net profit of returning to the mother was more than 20%, exceeding market expectations, showing that its asset quality was solid and risk control was effective.

Regarding the reasons for the improvement of asset quality, the Hangzhou Bank mentioned in the semi -annual report of the performance trailer that in the first half of the year, the company strengthened the application of large risk management and control, deepened the application of digital intelligent risk control technology, strengthened asset preservation measures, stable and effective risk management, non -performing loan ratio rate It decreased by 0.07 percentage points from the end of the previous year.

From the perspective of preparation coverage, the preparation coverage of listed banks is mostly high. As of the end of the first half of the year, except for the decline in the coverage of individual banks such as Bank of Nanjing and Xiamen Bank, the remaining coverage of the rest of the preparations has been increased to varying degrees. Among them, Hangzhou Bank, Changshu Bank, Zhangjiagang, Wuxi Bank, and Suzhou Bank allocated over 500%. Among them, Hangzhou Bank was the highest, reaching 581.60%. In addition, the reserved coverage of Zijin Bank and Qilu Bank in the back was 261.56%and 262.96%, respectively, which also significantly higher than the regulatory requirements.

Wang Hongxing, an analyst at Donghai Securities Banking industry, believes that the social integration and structure in June have improved significantly, and many regional bank performance express performances have performed well. From the perspective of performance, some risk events in the first half of the year have a short -term impact on market emotions than on the actual fundamental impact. From the perspective of the performance trailer, the assets of many regional listed banks are stable and have strong development toughness. In the process of subsequent risk disposal, banks or under regulatory guidance participate in risk resolution, and related asset income and risk measures may be affected or affected.

The overall quality of bank assets remains stable, and it can also be confirmed in the relevant data released by the regulatory agency recently. At the press conference of the National New Affairs Office held in late July, Liu Zhongrui, head of the Statistics and Risk Monitoring Department of the China Banking Regulatory Commission, introduced that in the first half of the year, the quality of the bank's bank assets maintained a stable trend as a whole, and the risks were generally controllable. At the end of the second quarter, the non -performing loan ratio of commercial banks was 1.67%, a decrease of 0.06 percentage points from the beginning of the year.

"Self -Police Bag" increase holding stocks

From the perspective of the secondary market, the stock price of A -share listed banks is currently in a low valuation state. It is worth noting that recent listed banks have frequently increase their holdings.

Not long ago, the largest shareholders of Industrial Bank's largest shareholders increased their holdings and attracted widespread attention. On July 26, the largest shareholder of the Industrial Bank's largest shareholder of Fujian Province increased its holdings of 11.02 million shares, with an increase of 200 million yuan, and plans to increase its holdings of 500 million yuan to 1 billion yuan in the next 6 months (including this time it has already been this time (this time has already been this time (this time has already been this time (this time it has already been this time. Increased holdings); on July 12, Su Nong Bank announced that based on the confidence in the future development prospects of the company and the recognition of the company's long -term investment value, the current chairman, director, deputy president of the head office, and supervisor plan for total holdings will not be increased. It is less than 2 million yuan in A -share shares; Chongqing Bank's largest shareholder Chongqing Yufu Capital Operation Group increases its shareholding of 3.1146 million shares of the bank, with a cumulative increase of 25.8674 million yuan. Thousands of shares, a cumulative increase of 773,600 yuan, etc.

Since July, a number of banks such as Chongqing Rural Commercial Bank, Industrial Bank, Chongqing Bank, Su Farmers, and Nanjing Bank have disclosed information about the company's executives to increase their holdings.

Zhang Yifei, an analyst at the Galaxy Securities Banking industry, believes that the major shareholders and executives of listed banks increase their holdings of their shareholders "self -pockets", which can convey confidence in the market to the market. In fact, since this year, not only major shareholders and executives of regional banks have increased their own stocks, but large banks have also taken action. On June 27, the Postal Savings Bank issued an announcement stating that it was intended to take measures to increase the shareholding of the shareholder China Post Group Co., Ltd. to stabilize the stock price. The postal group intends to increase its holdings of the postal salary bank with a cumulative less than 50 million yuan. This is also the first state -owned bank to launch a stable stock price measure this year. According to industry experts, some major bank shareholders and executives are actively increasing their holdings, while most of the rest are "passive holdings" that have started to trigger stable stock price measures. For example, the stable stock price plan announced by the Postal Savings Bank mentioned that from May 27, 2022 to June 24, 2022, the closing price of A shares in the bank has been lower than the last period of the bank's last period for 20 consecutive trading days. The net assets per share were 6.89 yuan, which triggered the bank's stable stock price measures to start the conditions.

There are still many listed banks that increase their own stocks out of the stable stock price. On May 5th, Bank of Shanghai's executives bought 565,000 shares from the secondary market with their own funds; on May 26, the new governor of China Merchants Bank took a week after taking office, and increased its holdings of "pocket" to increase its holdings. 20,000 China Merchants Bank A shares; on June 14, Suzhou Bank announced that from April 30, 2022 to June 1, 2022, Suzhou Bank A shares have been closed for 20 consecutive trading days. 8.65 yuan (the recent audited net assets per share), to achieve the start -up conditions for triggering stable stock price measures. The bank intends to take measures to stabilize the stock price of the current directors (excluding independent directors) and senior managers to increase their holdings.

According to the Bank of Beijing's announcement, from June 15th to 17th, some executives bought company shares from the secondary market with their own funds, a total of 13 executives and family members, and a total of 2.1619 million shares were bought. The relevant person in charge of the Bank of Beijing publicly stated that the director and supervisor increased his holdings for the first time in recent years. The main reason for the increase in holdings is that Dong Jian Gao agreed that the current valuation of Bank of Beijing is significantly low.

Wang Yifeng, chief analyst of the Everbright Securities Financial Industry, believes that because management often has more company information than investors, the holding of holdings of executives has a certain signal effect, which can convey to the market that the company's stock price is underestimated and the operation is basically good. Information.

Credit structure continues to improve

The financial statistics of the People's Bank of China recently released in the first half of 2022 showed that the scale of new credit and social integration in the first half of the year was considerable. In the first half of this year, a new RMB loan was 13.68 trillion yuan, an increase of 919.2 billion yuan year -on -year. Among them, the new RMB loan in June was 2.81 trillion yuan, an increase of 686.7 billion yuan year -on -year. The increase in social financing in the first half of the year was 21 trillion yuan, which was 3.2 trillion yuan more than the same period last year. Among them, the social increase in June was 5.7 trillion yuan, which was 1.47 trillion yuan more than the same period last year. Industry expert analysis believes that the scale of new credit and social integration in June exceeded expectations, and the credit structure also showed signs of actively improving.

From the perspective of listed banks, benefited from the first regional economy to recover from the influence of the epidemic, the credit distribution continues to increase, the credit structure continues to improve, and supports the rapid growth of performance. Judging from the data of the first quarter report, the overall listed bank has achieved good net profit growth, especially the listed banks in the head. Statistics of Flush Shun Data show that of the 42 A -share listed banks, 40 banks have a net profit growth rate of returning home, and 26 have achieved double -digit growth, of which 16 have increased by more than 20%.

Huaxi Securities Analyst Liu Zhiping believes that with the gradually repair of the effective financing of the real economy, the risks of bank credit structure and structural industry will also gradually improve. It is expected that the overall industry performance will be basically stable during the year.

The continuous improvement of credit structure will become a prominent feature of the Bank's semi -annual report this year. The first half of the loan investment report disclosed by the People's Bank of China showed that the year -on -year growth rate of heavy loans and inclusive loans in heavy industry and light industry in the first half of the year had a year -on -year growth rate of more than 20%, and green loans increased by more than 40%year -on -year. 4.2%and 8.2%.

Many listed banks have recently revealed signals for improvement of credit structure. For example, Nanjing Bank mentioned in the performance express that the bank was based on the development of the real economy in the first half of the year, and invested in a manufacturing loan balance of 96.9 billion yuan, an increase of 12.3 billion yuan from the beginning of the year; the balance of green financial loans was 121.8 billion yuan, an increase of 23 billion yuan from the beginning of the year. The increase of 23%; the balance of science and technology and financial loans was 60.5 billion yuan, an increase of 18%over the beginning of the year; the total number of new cooperative customers with a total of 2,337 households. Hangzhou Bank said that in terms of loan structure, new loans in the first half of the year are mainly public loans. The focus of the second half of the year will gradually balance to small and micro, retail, green finance, "specialized new" enterprises and other fields.

According to the person in charge of the relevant departments of the CBRC, the CBRC promoted the banking industry to continuously improve the credit structure and help the economic transformation and upgrading of high -quality development in the first half of the year.The main measures include: supervising banks to better serve scientific and technological innovation and "specialized new" enterprises, of which the growth rate of scientific research and service industry loans exceeds 30%; promoting the high -quality development of financial services manufacturing industry, manufacturing loans in the first half of the year increased by 3.3 trillionYuan, an increase of 1.6 trillion yuan year -on -year, of which the high -tech manufacturing industry increased by 28.9%year -on -year; helped energy insurance supply, stable supply chain and green low -carbon transformation, and released the green financial guidance of the banking insurance industry, 21 major banks green credit balance186 trillion yuan, etc.For the direction of credit in the second half of the year, many listed banks have stated that the credit investment in the second half of the year will be further increased to focus on serving the real economy, and around inclusive finance, science and technology finance, supply chain finance, green finance and people's livelihood finance, etc.Fields, small and micro enterprises, science and technology enterprises, manufacturing, etc. in the area.(Economic Daily reporter Lu Min)

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