Get half a year!Ping An Bank's net profit in the first half of the year increased by 25.6% year -on -year

Text/Yangcheng Evening News all -media reporter Dai Manman

On the evening of the 17th, Ping An Bank announced the semi -annual report of 2022. In the first half of the year, Ping An Bank achieved operating income of 92022 billion yuan, an increase of 8.7%year -on -year; net profit was 22088 billion yuan, an increase of 25.6%year -on -year. Regarding real estate risks, Ping An Bank actively disclosed that the bank's housing -related business that the bank undertakes credit risks is mainly for public real estate loans of 298.020 billion yuan, an increase of 9.097 billion yuan from the end of the previous year.

The net profit realized in the first half of the year was 22088 billion yuan, an increase of 25.6% year -on -year

The semi -annual performance shows that Ping An Bank achieved operating income of 92022 billion yuan in the first half of 2022, an increase of 8.7%year -on -year; net profit was 22088 billion yuan, a year -on -year increase of 25.6%. In the first half of the year, the bank realized a net non -interest net income of 27.963 billion yuan, an increase of 2.644 billion yuan, an increase of 10.4%.

In terms of asset quality, at the end of June, the bank's non -performing loan ratio was 1.02%, which was the same as the end of the previous year; the proportion of loans accounted for 1.32%, a decrease of 0.10 percentage points from the end of the previous year; ; Dialing coverage rate was 290.06%, an increase of 1.64 percentage points from the end of the previous year, and the risk replacement ability remained better. In the first half of the year, the bank recovered the total amount of non -performing assets of 26.678 billion yuan, an increase of 34.8%year -on -year.

Among them, in the first half of the year, the retail business achieved operating income of 51.402 billion yuan, an increase of 4.4%year -on -year, accounting for 55.9%of the operating income of the bank. At the end of June, the balance of personal deposits was 868.777 billion yuan, an increase of 12.8%over the end of the previous year.

In the first half of the year, the bank's agency insurance revenue was 1.065 billion yuan, an increase of 26.3%year -on -year; non -insurance operating income accounted for about 50%of the overall operating income of the new team. In the first half of the year, the operating income of public business was 24.212 billion yuan, a year -on -year increase of 7.9%. At the end of June, the balance of corporate deposits was 237.4464 billion yuan, an increase of 8.4%over the end of the previous year. In the first half of the year, the market share of the bond transaction volume of the bank was 3.1%, an increase of 1.0 percentage points year -on -year; the business transaction volume of "safe safety avoidance" foreign exchange and interest rate derivative products was US $ 20.412 billion, an increase of 38.0%year -on -year.

Actively disclose the risk of real estate, and the adverse rate to public real estate loans is 0.77%

In the semi -annual report, Ping An Bank responded to market concerns and proactively disclosed the situation of real estate risks. According to Ping An Bank, as of the end of June this year, the bank has a total of 341.373 billion yuan in business balances such as credit, self -employed bond investment, and self -employed non -standard investment, which is 284 million yuan from the end of the previous year; The total business balance of banking funds contributed, entrusted loans, cooperative agencies management agency sales trusts and funds, and main inheritance debt financing instruments, etc., totaling 109.153 billion yuan, which is not 11.533 billion yuan from the end of the previous year.

Among them, the housing -related business that undertakes credit risks is mainly to the balance of public real estate loans of 298.02 billion yuan, an increase of 9.097 billion yuan over the end of the previous year. Among them, the real estate development loan was 105.751 billion yuan, accounting for 3.3%of the total loan and cushion principal issued by the bank, a decrease of 0.5 percentage points from the end of the previous year. The urban area and the Greater Bay Area, the Yangtze River Delta area; the operating property loan, mergers and acquisition loans, and other total of 1,92.269 billion yuan, focusing on mature property mortgages, with an average mortgage rate of 45.8%, 96%distributed in urban areas in first- and second -tier urban areas and the Greater Bay Area , Yangtze River Delta area. At the end of June 2022, the bank's adverse rate on public real estate loans was 0.77%.

In addition, the bank's housing -related business that does not bear credit risk is mainly to manage agency sales trusts and fund 52.577 billion yuan, a decrease of 16.328 billion yuan from the end of the previous year. 100 million yuan, 93%distributed in urban areas in the first- and second -tier cities, and the Greater Bay Area, and the Yangtze River Delta area. The others are mainly high -level private equity bonds and asset securitization products.

According to Ping An Bank, in the future, the bank will strictly follow the policy of "housing and not speculation", and continue to do a good job of balanced real estate loans on the basis of implementing regulatory requirements. , To meet the policy -oriented real estate project mergers and acquisitions, choose to support the development of ordinary commodity housing with real demand support areas, and actively participate in real estate enterprises to acquire debt underwriting and invest in debt. At the same time, the risk management and control of real estate loans continued to strengthen real estate loans, insisting on equal emphasis on loan management, and on the basis of adhering to the "selection of projects", further highlights the "management project", upgrade the management requirements of the closed funds, upgrade the management tools of online loan after upgrading, and achieve the right to realize the right. Customer operation, project progress, asset status, and all -round monitoring of flow flow.

Source | Yangcheng Evening News · Yangcheng School

Responsible editor | Wang Haiyan

- END -