A -share listed joint -stock bank report: net profit has remained stable asset quality year -on -year "8 liters and 1 drop" asset quality

31Aug

Our reporter Yang Jie as of August 30, all nine A -share listed joint -stock banks have all disclosed their operating results in the first half of 2022. The central report shows that the nine banks have achieved a "8 liter and 1 drop" year -on -year net profit in the first half of the year; as of the end of June this year, the non -performing loan ratio of five banks decreased compared with the end of last year. Generally speaking, the profitability and asset quality of nine A -share listed joint -stock banks have remained relatively stable. Specifically, in terms of net profit (referring to the net profit of mother, the same below), China Merchants Bank ranks first with 69.42 billion yuan, becoming the most profitable bank in the first half of this year. The Industrial Bank and CITIC Bank followed closely, with net profit of 44.887 billion yuan and 32.524 billion yuan, respectively. In terms of net profit growth year -on -year, Ping An Bank's net profit in the first half of the year increased the highest year -on -year, reaching 25.5%. In the first half of the year, China Merchants Bank and CITIC Bank also increased their net profit in the first half of the year, both of which were 13.52%and 12.02%, respectively. At the mid -term performance conference, Xie Yonglin, chairman of Ping An Bank, expressed "very satisfied" about the business development of the bank, saying that "the recovery of related indicators is gratifying." From the perspective of assets, as of the end of June, China Merchants Bank's assets reached 9.72 trillion yuan, becoming the largest shareholder bank in domestic assets. Following the follow -up in turn is Industrial Bank, Pudong Development Bank, and CITIC Bank, the size of the assets is more than 8 trillion yuan, which are 8.98 trillion yuan, 8.51 trillion yuan, and 8.28 trillion yuan, respectively. The assets of Minsheng Bank, Everbright Bank, and Ping An Bank are all assets of more than 5 trillion yuan. In addition, Huaxia Bank's assets are 3.84 trillion yuan; Zhejiang Commercial Bank, with the smallest asset size, is 2.52 trillion yuan, which has a certain gap with other joint -stock banks. In the first half of this year, while nine joint -stock banks were in good performance, the quality of assets remained stable. According to the main regulatory indicators of the banking insurance industry in the second quarter of 2022 released by the China Banking Regulatory Commission, as of the end of the second quarter of this year, the non -performing loan ratio of commercial banks was 1.67%, a decrease of 0.02 percentage points from the end of the first quarter. Among the nine A -share -listed joint -stock banks, 7 non -performing loans have less than 1.67%. Among them, the non -performing loan ratio of China Merchants Bank is less than 1%, which is 0.95%. The non -performing loan ratios of CITIC Bank, Minsheng Bank, Pudong Development Bank, Zhejiang Commercial Bank, and Everbright Bank also decreased from the end of 2021, with a decrease of 0.08%, 0.06%, 0.05%, 0.04%, and 0.01%. The non -performing loan ratio of Ping An Bank was the same as at the end of last year. It is worth mentioning that CITIC Bank's non -performing loans in the first half of the year showed a "double surrender" trend. As of the end of June, the bank's non -performing loan balance was 65.52 billion yuan, a decrease of 1.939 billion yuan from the end of the previous year; the non -performing loan rate was 1.31%, a decrease of 0.08 percentage points from the end of the previous year. Among them, the bank's adverse rate to public real estate loans was 2.89%, a decrease of 0.74 percentage points from the beginning of the year. Hu Yan, deputy governor of CITIC Bank and Chief Risk Director, said at the performance conference that the impact of the epidemic on the quality of the bank's assets is short -term and limited, and the overall impact is not large. The house -related business is short -term risk and long -term opportunities coexist. With the continuous improvement of asset quality, CITIC Bank's credit and other asset impairment losses in the first half of the year decreased by 6.50%year -on -year, and the preparation coverage increased by 17.08 percentage points from the end of the previous year. Thanks to this, CITIC Bank recorded a net profit of 32.524 billion yuan in the first half of the year, an increase of 12.03%year -on -year. For the disposal of non -performing assets in the next stage, Minsheng Bank stated that it will continue to improve the risk internal control management system. On the one hand, actively implement the guidance of the national credit structure adjustment, promote the optimization of asset structure, increase the proportion of new high -quality customers, deepen the reform of the credit approval system, promote the research and empowerment of professional fields, improve the quality of credit approval, strengthen post -management, compact credit investment management, compact compacks "One defense" management responsibility, actively prevent and control key areas risks, and strictly control new risks. On the other hand, continue to increase the treatment of non -performing assets, "one household and multiple strategies" promote the treatment of non -performing assets, realize the optimization of disposal strategies, improve asset losses, and improve the efficiency of disposal, and ensure the continuous improvement of the quality of the entire assets.

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Picture ｜ Bag Picture Network Station Cool Hero Production | Liu Zhizhi

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