Zhangjiakou Bank raised not over 1.1 billion shares to be approved by the core first -level capital sufficient ratio. Previously, it was approaching the regulatory red line

Reporter Lu Dong

Zhangjiakou Bank, which has been approaching the red line of the core first -level capital, has finally ushered in good news. A few days ago, the bank was approved to raise no more than 1.1 billion state -owned shares.

Two months ago, Zhangjiakou Bank turned into a request to the branch after acquiring its two village banks, and was approved by the regulatory authorities. As of the end of the first quarter of this year, the core first -level capital adequacy ratio of Zhangjiakou Bank had dropped to 7.70%, approaching 7.5%of the regulatory red line. If the capital increase and expansion are successfully completed, it will not only increase the core first -level capital adequacy ratio, but also provide capital guarantee for the acquisition of its village and township banks and promote the risk work of resolving village banks.

It is expected to increase capital adequacy ratio

According to the information of the CBRC's official website recently, Zhangjiakou Bank changed its registered capital plan for the approval of the Hebei Provincial Banking Regulatory Bureau. It agreed that it raised no more than 1.1 billion state -owned shares, and the total share capital did not exceed 8.7 billion yuan. This is undoubtedly good news for Zhangjiakou Bank, which is suffering from core first -level capital adequacy ratios.

Zhangjiakou Bank's 2021 annual report showed that the performance achieved a stable growth last year. In 2021, the bank realized operating income of 6.369 billion yuan, an increase of 8.78%year -on -year; net profit attributable to shareholders belonging to the parent company was 1.137 billion yuan, an increase of 2.39%year -on -year.

But while profit growth, the bank's core first -level capital sufficient rate level is difficult to speak. As of the end of 2021, Zhangjiakou Bank's capital adequacy ratio, first -level capital adequacy ratio, and core first -level capital adequacy ratio were 12.61%, 10.68%, and 8.59%. Among the above three indicators, the core first -level capital adequacy ratio declined, compared Fall by 0.5 percentage points at the end of 2020.

Zhangjiakou Bank's information disclosure report in the first quarter of 2022 shows that as of the end of March this year, the core first -level capital adequacy ratio fell to 7.70%. According to the "Capital Administration Measures for Commercial Banks (Trial)", non -system -important bank core first -level capital adequacy ratios shall not be less than 7.5%. That is to say, the core first -level capital adequacy ratio of Zhangjiakou Bank is close to the regulatory red line.

Zhangjiakou Bank's follow -up rating report released by Honesty International this month also pointed out that its business development continues to consume capital, the core first -level capital adequacy ratio has declined, and in the future, it still faces greater capital supplementation pressure.

Under the current environment, the intrinsic profitability of banks has further declined with capital supplement capabilities, and it is urgent to vigorously expand exogenous capital supplements. For a long time, the urgency of the first -level capital supplement of commercial banks has always been higher than the second -level capital, especially for Zhangjiakou Bank.

After the expansion of Zhangjiakou Bank's shareholding this time, it will be expected to greatly increase its capital adequacy ratio, especially the core first -level capital adequacy ratio level to ensure future business expansion and ability to resist risk.

"In 2021, the capital adequacy ratio of commercial banks has been improved in general. But from a structure, the increase in the core first -level capital of banks is relatively slow, and it is more obvious in small and medium -sized banks. For such banks, it is more more than such banks. The channels for capital supplementation need to be expanded moderately. "Qiu Yilin, a researcher at the Bank of China Research Institute, said in an interview with a reporter from the Securities Daily that the supplement of the bank's core first -level capital is mainly due to the relatively lagging profit growth. Near the regulatory red line.

It helps to resolve the risk of banks and towns banks

The reporter noticed that in April this year, Zhangjiakou Bank had been approved to acquire two village banks and converted it into subordinate sub -branch. If the capital increase and expansion are successfully completed, it will also provide funds to the bank's acquisition of village and township banks to a certain extent.

In April of this year, the Heng Yilit Insurance Regulatory Bureau approved Zhangjiakou Bank to acquire Wuqiangjia Yin Village Bank and set up Zhangjiakou Bank Wuqiang Sub -branch, and acquired Fuchengjia Yin Village Bank and set up Zhangjiakou Bank Fucheng Sub -branch.

Since the beginning of the "Notice on Further Promoting the Reorganization of Risk Reform Reorganization" at the beginning of last year, the village and town banking reform and reorganization were promoted in an orderly manner. In the process, the main responsibility for the main development has become the risk of resolving the risks of the village and township banks. "The first responsible person".

The reporter noticed that the owner of the main business increased the shares of the village and township banks in order to increase the proportion of shares and became an important way to promote the reform of the village and township banks and resolve insurance. In addition to the main issuance, it is also one of the options to absorb the merger of the village and town banks. This time Zhangjiakou Bank adopted this method.

Zhangjiakou Bank ’s 2021 annual report shows that as of the end of last year, Zhangjiakou Bank owned a total of 13 village and township banks, and the shareholding ratio of the above -mentioned village banks was all 51%. Wuqiangjia Yincun Town Bank and Fuchengjia Yin Village Bank, which were approved for the acquisition, were established late, all of which were established in August 2017. Compared with other village banks, the above two banks are also weak, and the registered capital is only 200 million yuan.

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