A -share bank semi -annual examination: 11 net profit increased by more than 20%, and 15 adverse rates were less than 1%

The 2022 semi -annual report of 42 A -share listed banks has been disclosed.

According to Wind data, from the perspective of operating income, Jiangyin Bank's revenue growth rate in the first half of this year was 25.96%, ranking first in A -share listed banks. Judging from the net profit attributable to shareholders of the parent company, the net profit growth rate of Hangzhou Bank in the first half of the year was 31.62%, ranking first in A -share listed banks.

In terms of asset quality, as of the end of June this year, the average non -performing loan rate of 42 A -share banks was 1.22%, a decrease of 0.04 percentage points from the end of the previous year; the average non -performing loan dial -up coverage rate was 314.48%, an increase of 13.52 percentage points from the end of the previous year. Among them, the non -performing loan ratio of 15 A -share banks is less than 1%; Ningbo Bank's non -performing loan ratio is the lowest at 0.77%.

From the perspective of capital adequacy ratio, as of the end of June this year, the average capital adequacy ratio of 42 A -share banks, the first -level capital adequacy ratio, and the core first -level capital adequacy ratio were 14.03%, 11.50%, and 10.07%, respectively, compared with the end of the previous year, respectively. Fall 0.44 percentage points, 0.27 percentage points, 0.21 percentage points.

The net profit growth of 11 A -share banks in the first half of the year exceeded 20%

From the perspective of profitability, in the first half of this year, of the 42 A -share banks, 10 banks revenue increased by more than 15%, and the net profit of 11 banks returned to the mother's net profit more than 20%. At the same time, China Minsheng Bank and Xi'an Bank's revenue and net profit in the first half of the year have increased negatively.

Judging from the growth rate of operating income, Jiangyin Bank, Zhejiang Commercial Bank, Zilu Bank, Changshu Bank, Xiamen Bank, Ningbo Bank, Chengdu Bank, Qingdao Bank, Hangzhou Bank, Nanjing Bank's 10 bank revenue growth rate exceeded 15% in the first half of the year exceeded 15% , 25.96%, 22.53%, 19.08%, 18.86%, 18.17%, 17.56%, 17.02%, 16.56%, 16.31%, 16.28%.

Judging from the growth rate of net profit, Bank of Hangzhou, Bank of Chengdu, Bank of Jiangsu, Wuxi Bank, Zhangjiagang, Ping An Bank, Suzhou Bank, Jiangyin Bank, Su Rural Commercial Bank, Ruifeng Bank, Nanjing Bank's 11 banks in the first half of the year increased net profit increase increased in the first half of the year. The speed is over 20%, with 31.67%, 31.52%, 31.20%, 30.27%, 27.76%, 25.62%, 25.08%, 22.10%, 20.89%, 20.42%, 20.07%.

While some A -share banks have achieved rapid growth, there are also several A -share banks' revenue and net profit negative growth. From the perspective of revenue, the revenue growth rates of Lanzhou Bank, Qingnong Commercial Bank, Chongqing Bank, Xi'an Bank, and Minsheng Bank in the first half of the year were -2.99%,-3.09%, -6.97%, -8.48%, -15.47%. From the perspective of net profit, the net profit growth rate of Minsheng Bank and Xi'an Bank in the first half of the year was -7.22%and -13.45%, respectively.

Minsheng Bank and Bank of Xi'an's revenue in the first half of the year increase

Minsheng Bank and Bank of Xi'an's revenue and net profit increased in the first half of the year, and the two banks' semi -annual report also disclosed the relevant reasons.

Minsheng Bank stated that it is mainly the impact of internal and external factors. In terms of net interest income, Minsheng Bank has increased financial support for economic and social development, accelerate credit investment, reduce customer financing costs. During the reporting period, loan yields decreased by 48 basis points year -on -year, resulting in loan interest income decreased by 6.198 billion yuan year -on -year; at the same time, , Continue to optimize the business structure, increase the configuration of government bonds and local bonds with strong liquidity, reduce the proportion of investment scale of asset support securities, trusts and asset management plans, and the investment yield decreased by 24 basis points year -on -year, resulting in investment interest income decreased by 2.175 billion year -on -year Yuan. In terms of non -interest net income, affected by fluctuations in the capital market price, the business scale and investment valuation of the agency fund have caused the agency fees and commissions income and fair value changes to decrease 1.565 billion yuan and 3.829 billion yuan, respectively.

The Bank of Xi'an said that during the reporting period, the Bank of Xi'an effectively implemented a financial mission of stabilizing the economic market and keeping economic growth, actively optimizing the adjustment of the credit structure, and allowing the balanced development of benefits, scale, and quality based on the development of the real economy. At the same time, actively implement various monetary policies, continue to increase the support of the real economy, reduce the cost of financing of the real economy, and strengthen the management of liability cost management. The net profit difference and net interest margin are 1.62%and 1.74%, respectively. A basis. During the reporting period, the Bank of Xi'an achieved net interest income of 2.797 billion yuan, a year -on -year decrease of 9.83%; the fees and net commission revenue was 188 million yuan, a year -on -year decrease of 23.77%.

The number of A -share banks with a non -performing loan ratio of less than 1%increased to 15

From the perspective of asset quality, as of the end of June this year, the average non -performing loan rate of A -share banks decreased slightly compared with the end of the previous year. And as of the end of June this year, the number of A -share banks with a non -performing loan ratio of less than 1%increased to 15: Bank of Ningbo, Hangzhou Bank, Changshu Bank, Chengdu Bank, Postal Savings Bank, Wuxi Bank, Bank of Suzhou, Bank of Xiamen, Bank of Xiamen Bank 、张家港行、招商银行、苏农商行、沪农商行、江阴银行、江苏银行的不良贷款率分别为0.77%、0.79%、0.80%、0.83%、0.83%、0.87%、0.90%、0.90%、 0.90%, 0.90%, 0.95%, 0.95%, 0.96%, 0.98%, 0.98%. As of the end of the first quarter of this year, the non -performing loan rate of listed banks in 13 A shares was less than 1%. As of the end of June this year, the coverage rate of non -performing loans of six A -share banks was higher than 500%, which were Hangzhou Bank, Changshu Bank, Zhangjiagang Bank, Wuxi Bank, Bank of Ningbo, and Suzhou.

At the same time, as of the end of June this year, the average of the non -performing loans of 21 A -share banks was higher than 1.22%. The rate of non -performing loans from five A -share banks from Huaxia Bank, Zhengzhou Bank, Minsheng Bank, Qingnong Commercial Bank, and Lanzhou Bank is higher than 1.7%.

Huaxia Bank's non -performing loan ratio is the highest among A -share banks. According to the semi -annual report of Huaxia Bank in 2022, as of the end of the report, Huaxia Bank's non -performing loan balance was 411.13 billion yuan, an increase of 2.040 billion yuan over the end of the previous year, and the non -performing loan ratio was 1.79%, an increase of 0.02 percentage points from the end of the previous year. The preparation coverage rate increased by 0.93 percentage points to 151.92%.

From the perspective of the industry, the non -performing loans of Huaxia Bank are mainly concentrated in the manufacturing, wholesale and retail industry. The balance of non -performing loans in the two industries accounted for 36.89%of the total non -performing loans of Huaxia Bank, a decrease of 2.98 percentage points from the end of the previous year. Among them, the manufacturing non -performing loan ratio was 4.39%, a decrease of 0.75 percentage points from the end of the previous year; the wholesale and retail non -performing non -performing loan ratio was 4.38%, an increase of 0.19 percentage points from the end of the previous year.

Actively replenish capital through fixed increase, convertible bonds, etc.

From the perspective of capital adequacy ratio, the capital adequacy ratio of State -owned Bank is generally at a high level of listed banks, and the Capital adequacy ratio of ICBC ranks first in A -share banks. As of the end of June 2022, the capital adequacy ratio of ICBC, CCB, Agricultural Bank, Bank of China, Postal Savings Bank, and Bank of Communications was 18.31%, 17.95%, 17.09%, 16.99%, 14.60%, and 14.49%, respectively.

From the perspective of capital adequacy ratio, the capital adequacy ratio of Huaxia Bank, Changshu Bank, Lanzhou Bank, and Zhejiang Commercial Bank is relatively low. As of the end of June 2022, the capital adequacy ratio of the above four banks was 11.55%, 11.58%, 11.61%, and 11.75%, respectively.

Although the average capital adequacy ratio of the A -share listed bank as of the end of June this year has declined compared with the beginning of the year, the listed banks have actively supplemented capital through various channels in the first half of the year. From the perspective of convertible bonds alone, since this year, convertible bonds have been "hot" of listed banks. It has announced the issuance of convertible bonds such as Industrial Bank, Bank of Chengdu, Bank of Qilu, Chongqing Bank, Xiamen Bank, and Changsha Bank. Wuxi Bank and Huaxia Bank announced on the same day at the end of June this year that non -public issuance of A -share shares was approved by the Securities Regulatory Commission. Both banks stated that they will announce separately after receiving the official approval documents from the CSRC.

In addition, listed banks also supplement capital through common methods such as sustainable bonds and secondary capital bonds.

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