Jiu Gua ｜ Reporting good news?The bank's semi -annual transcript is released!

Source | Jiu Guo Financial Circle Comprehensive 21st Century Business Herald, etc.

Edit | Wu Wen Zhang Yundi

Beauty | Yang Wenhua

The performance is released!

On August 17, the first half -annual report of Listed Shares was disclosed. In addition, four A -share listed banks of Zhangjiagang, Changshu Bank, Jiangyin Bank, and Nanjing Bank disclosed the half -annual report in 2022.

According to the semi -annual report, as of the end of June, the total assets of Ping An Bank reached 5.11 trillion, an increase of 3.8%over the end of the previous year. In the first half of the year, the bank realized operating income of 9.2022 billion yuan, an increase of 8.7%year -on -year; net profit was 22088 billion yuan, an increase of 25.6%year -on -year.

In the first half of this year, the above -mentioned four banks' operating income and net profit have achieved steadily, and the non -performing loan ratio has decreased compared with the beginning of this year. It is worth mentioning that in the second quarter, the above -mentioned banks generally obtained a large increase in public funds and social security funds.

Fortune management fee income decreased by 17.0% year -on -year

According to Yang Xi, a reporter from Southern Finance and Economics, the Ping An Bank semi -annual report shows that the bank and customers in the first half of the year have grown steadily, but their income is indeed under pressure.

Specifically, as of the end of June 2022, Ping An Bank AUM was 3.47 trillion, an increase of 9.1%over the end of the previous year. At the end of last year, it increased by 9.4%, of which 474,900 customers reached the standards, an increase of 7.5%over the end of the previous year.

In terms of income, in the first half of 2022, Ping An Bank realized wealth management handling fees (excluding personal precious metal business) 3.689 billion yuan, a year -on -year decrease of 17.0%. Ping An Bank said that "the factors such as the decline in the decline in fund sales caused by active pressure drops of non -standard products and the fluctuation of securities market fluctuations."

"Not salary reduction, but the discount of bonuses"

According to the Economic Observation Network report, for market rumors that have recently received much attention "retail line deferred bonuses decreased by 40%", Cai Xinfa, the special assistant of Ping An Bank, responded at the performance meeting that it was not a salary reduction, but instead A discount of quarterly bonuses, but it is not particularly large. The reason for the discount is mainly because Ping An Bank sets the performance goals of the next year at the end of the year. The proportion of employee bonuses.

Cai Xinfa is also frank at the same time. At the beginning of this year, I did not make some adjustments in macro judgment, which had some impact on employees' bonuses. In fact, it is more clear about the entire macro environment. "We think it should not be like the beginning of the year at the beginning of the year. It is so bad, so we have adjusted the policy and business strategies since June and July. If the performance improves, the employees do not have to worry too much about the next quarter. "

Other "test papers"?

City Commercial Bank's "Period Examinations and Answers" came out!

According to the China Securities Journal, the semi -annual report shows that the operating income and net profit of Jiangyin Bank in the first half of the year had a year -on -year growth rate of more than 20%. Specifically, the bank's operating income was 2.036 billion yuan, an increase of 25.96%year -on -year; net profit of home mother was 575 million yuan, an increase of 22.10%year -on -year.

The semi -annual report of Zhangjiagang and Bank of Nanjing showed that the net profit of the two banks in the first half of the year had a year -on -year growth rate of more than 20%. In the first half of 2022, Zhangjiagang Bank achieved operating income of 2.353 billion yuan, an increase of 5.74%year -on -year; net profit attributable to shareholders of listed companies was 762 million yuan, an increase of 27.76%year -on -year. Nanjing Bank achieved operating income of 23.532 billion yuan, an increase of 16.28%year -on -year; net profit of home mother was 10.151 billion yuan, an increase of 20.07%year -on -year.

Changshu Bank's operating income and net profit in the first half of 2022 achieved a nearly 20%growth. The bank realized operating income of 4.374 billion yuan, an increase of 18.86%year -on -year; net profit attributable to shareholders of listed companies was 1.201 billion yuan, an increase of 19.96%year -on -year.

Non -performing loan ratio is further reduced

In terms of asset quality, the non -performing loan ratio of the above banks has been further decreased compared to the beginning of this year. Taking Jiangyin Bank as an example, as of the end of June 2022, the bank's non -performing loan ratio was 0.98%, a decrease of 0.34 percentage points from early 2022, and fell to a new low level. At the same time, the bank's risk replacement capacity was improved, and the cover coverage rate was 496.08%, an increase of 165.46 percentage points from early 2022.

"Overall, the operating income and net profit of several regional banks have increased, which meets expectations." A banking researcher told a reporter from China Securities News.

Judging from the latest top ten circulation shareholders disclosed by the semi -annual report, in the first half of this year, Zhangjiagang and Changshu Bank ushered in a large increase in public fundraising funds and social security funds.

41%equity of Suning's 41%equity of Nanjing Bank

On the same day of the announcement of the semi -annual report, Bank of Nanjing also ushered in another good news -Suning Consumer Financial Co., Ltd. (hereinafter referred to as "Suning Credit") received the approval of the Banking Regulatory Commission on the change of equity and agreed to the Nanjing Bank's transfer of Suning's funding 41 41 41 %Equity. After the equity changes are completed, the ratio of Suning's equity in Suning will increase from 15%to 56%, becoming the company's controlling shareholder. This means that Bank of Nanjing lasted for half a year, and finally put the consumer financial license into the pocket, breaking the restrictions of the cross -regional exhibition industry.

Since the beginning of this year, the internal movements of Bank of Nanjing have continued, and have ushered in the active increase in shareholders. On June 29, Lin Jingran, the president of the bank, suddenly resigned as the vice chairman of Southeast Group and a member of the party committee, which caused a lot of public opinion, causing the stock price of Nanjing Bank to collapse. At present, this semi -annual report is also the "reassurance" of bank investors in Nanjing. At present, the candidate of the successor of Nanjing Bank has not been announced, and Hu Shengrong, chairman of the bank, is still fulfilled.

Bank stock valuation or repair

Since the beginning of this year, the bank sector has been adjusted as a whole. As of August 16, the application of the Shenwan Bank Index this year was 13.74%. With the semi -annual report of listed banks disclosed one after another, many institutions stated that they are optimistic about bank stock valuation repair.

Northeast Securities stated that although the interest difference between commercial banks in 2022, the valuation level of listed banks is more related to the quality of assets. Combined with the catalytic role of the semi -annual report performance, the bank sector is optimistic about the return of the long -term center level, especially the ownership Regional advantages of urban commercial banks and rural commercial banks.

Wanlian Securities expects that the macro economy in the second half of 2022 is expected to further improve. The market's expectations of banking assets will change, and the performance of the banking sector will be stable, and some stocks will usher in the opportunity for valuation improvement.

Xinwang Bank's asset revenue in the first half of the year achieves dual -digit growth

According to China Economic Net, on August 11, the Hongqi chain released a semi -annual report of 2022, showing that the asset size of Xinwang Bank, which participated in its shares, was 74.423 billion yuan, with operating income of 1.626 billion yuan. Asset size and operating income have shown rapid growth. It is worth mentioning that operating income increased by 35.87%year -on -year. At present, the development of Xinwang Bank is well developed, the quality of assets is stable, the work of various tasks is in a benign growth channel, and the scale effect brought by phased investment has gradually emerged.

Data show that Xinwang Bank's net profit is 256 million yuan. With the increase in operating scale, New.com Bank adheres to the principle of prudent business business and prepares in accordance with higher standards. The coverage rate is higher than the industry average. At present, the development of Xinwang Bank is well developed, the quality of assets is stable, the work of various tasks is in a benign growth channel, and the scale effect brought by phased investment has gradually emerged.

Xinwang Bank firmly closely follows the goal of “increase in quantity, expansion, quality rising, and price drop” of small and micro financial services, and continues to build a small and micro professionalized business model to help digital inclusive finance reaches the “capillaries” of the real economy.

As of the end of June 2022, the balance of loan loans of the inclusive small and micro enterprise of Xinwang Bank was 9.122 billion yuan, a growth rate of 54.48%from the beginning of the year, and 20 percentage points higher than the growth rate of various loans. At the same time, Xinwang Bank made full use of small and micro financial policy bonuses such as re -loan, transfer loans, and "two tools" to further increase the cost reduction and allow the profit, helping the epidemic, stabilizing the economy, and ensuring employment.

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