The crisis is 72 hours!Nanjing Bank's AB face

In just 72 hours, Nanjing Bank (601009.SH) put himself into a crisis of trust.

Why do you go? Why does the stock price collapse? Is the information on the Internet true? One after another has come one after another, and the external doubts have not yet been completely solved.

The Red Star Capital Bureau has compiled the critical time and information of the past 72 hours, and the development history of the Bank of Nanjing has been in the past few years. We found that at the same time as the performance is bright, the Bank of Nanjing has received a total of 41 books from 2017 to the present. "Fund".

Nanjing Bank's 72 -hour trust crisis

President resigned on June 29th

On June 29, the closing price of Nanjing Bank was reported at 11.14 yuan/share, up 1.92%.

Looking at the performance of the stock price alone, Nanjing Bank seems to have no abnormalities. In fact, the storm will originate from the seemingly inconspicuous announcement after this day.

The announcement stated that the director and president Lin Jingran submitted a resignation report to the board of directors on the same day due to work needs and other appointments, resigning the positions of directors, presidents, and financial leaders. Chairman Hu Shengrong temporarily to fulfill the duties of the president.

This resignation came into effect from June 29, but did not cause overheating attention on the day.

The stock price plummeted on June 30

On June 30, the Bank of Nanjing fell sharply, and once touched the daily limit, and then the decline gradually weakened. In the end, the closing price of the day was reported at 10.42 yuan/share, down 6.46%.

The decline in the market surprised many investors and could only try to analyze from the message. Some investor analysis believes that the rise in Bank of Nanjing may be related to Lin Jingran's resignation announcement.

From Lin Jingran's work results to his past work resume, this information was almost all turned over.

Public information shows that Lin Jingran was born in 1974 and worked at the branch, branches, and branches of Bank of China, Minsheng Bank and Nanjing Bank. In May 2020, the Jiangsu Banking Insurance Regulatory Bureau approved the qualifications of Lin Jingran Nanjing Bank.

In other words, Lin Jingran has only been working in Nanjing's governor for about two years.

Screenshot from Nanjing Bank Finance Report

Some people think that Lin Jingran is a normal transfer, and some people speculate from other perspectives.

At 18:09 in the evening of the same day, WeChat users entitled "Fu Mingfei@当 当 (Chief of Communication)" discussed the reason for the plunge of Nanjing Bank with others in a WeChat group, and related chat content was widely spread.

The group chat records show that Fu Mingfei analyzed the personnel on June 29, saying that "it is said that Nanjing Bank has a lot of holes" and "(credit) can go bankrupt after the bank burst into bankruptcy."

Network information shows that Fu Mingfei is the chief analyst of Western Securities (002673.SZ) communication industry. However, Western Securities later stated to the media that Fu Mingfei was a trial period employee of his R & D center and a non -bank industry researcher. After the incident, the labor contract had been lifted.

What's more interesting is that this WeChat group is a group buying group after the post -verification of Western Securities.

The bank reported on July 1st

On this day, Fu Mingfei participated in the discussion. The content of the discussion became more and more widely spread.

On the evening of the same day, Bank of Nanjing issued an announcement that the relevant network information was made of malicious rumors and had reported the case to the public security organs and would investigate the legal responsibility of relevant subjects in accordance with the law. At present, the operation and management of Bank of Nanjing is normal and the business is developing well.

According to the Finance News Agency, Fu Mingfei also sent a circle of friends on the same day that the relevant group chat records did not obtain the dissemination of the publicity. The group was not a group of professional discussions. It is confirmed that it is very different from facts.

"For the Bank of Nanjing, which is affected by the transmission of the group, I am deeply regretful and apologized. I will focus on professionalism and better serve customers in the future." Fu Mingfei said.

Picture

In addition to the alarm, there was one incident on the day of the Bank of Nanjing: the original seal was sold for nuclear sales, and the new chapter was launched.

According to the Daily Economic News, Nanjing Bank issued an announcement on the official website that due to the long period of use and severe wear of the "Nanjing Bank Co., Ltd." seal, it was facilitated to make a decision to replace the seal in order to facilitate the smooth development of various tasks. The name of the new seal is unchanged and registered for record.

However, the official website of the Hongxing Capital Bureau logged in to Nanjing Bank's official website and found that the announcement can no longer be found, and it is suspected to be withdrawn.

On the same day, Lin Jingran, who detonated the crisis of Bank of Nanjing, also "appeared" in a new position.

The official website of Nanjing Southeast State -owned Investment Group Co., Ltd. (hereinafter referred to as "Southeast Group") shows that Lin Jingran is the vice chairman and party committee member of the group (retaining the full -time treatment of municipal management enterprises).

The Tianyancha APP and public information show that the Southeast Group was established in 2014. Its 100%holding shareholders are Nanjing State -owned Assets Supervision and Administration Commission. company.

Screenshot from the official website of Southeast Group

Double -sided of Nanjing Bank

The performance growth rate was bright, but I ate 41 tickets

Face A: The excellent students with dazzling performance

The non -performing loan ratio has remained below 1%for many years

The Red Star Capital Bureau noticed that after Lin Jingran's resignation was announced, the stock price of Bank of Nanjing once touched the daily limit. Some investors believed that this was a normal phenomenon, because during his tenure, the performance in all aspects was quite bright.

Some bank practitioners told the Red Star Capital Bureau. Generally speaking, banks' operating performance mainly depends on the three data indicators of loans, deposits and profits. Comprehensive operating strength and anti -risk capabilities depends on indicators such as allocating coverage and capital adequacy ratios. The Hongxing Capital Bureau flipped through the financial report of Bank of Nanjing and found that in 2020 and 2021, Nanjing Bank's loans, deposits, and net profit returned to the mother maintained high -speed growth. Essence

Screenshot from Nanjing Bank Finance Report

Taking total assets as an example, in 2020, the total assets of Bank of Nannan Bank reached 1.52 trillion yuan, an increase of 12.93%year -on -year; by 2021, the total assets of Bank of Nanjing will continue to maintain a high speed of 15.28%, reaching 1.75 trillion yuan Yuan.

The most important thing is that the non -performing loan ratio of Bank of Nanjing has remained below 1%for many years. In the past five years (2017-2021), the average non-performing loan ratio of Bank of Nanjing was 0.87%, 0.88%, 0.89%, 0.90%, and 0.91%, respectively.

In May this year, the relevant person in charge of the Banking Insurance Regulatory Commission said that the non -performing loan ratio of the entire banking industry in my country was 1.82%.

From the data point of view, Nanjing Bank is definitely a superior student in the excellent student.

However, some bank practitioners told the Red Star Capital Bureau that it is now in the economic downturn. Banks need to achieve a significant increase in asset scale and profits, and the non -performing loan ratio is firmly controlled below 1%, and it will not rise. impossible.

"Even if the book is like this, it may not be a real reflection. Therefore, the performance disclosed by Bank of Nanjing still makes people a bit questioning its authenticity." To conceal the bad loan ratio, everything must be based on the information disclosed.

Fed B: 41 tickets have been received since 2017

Fund inflows restricted areas, and peers demolish ups and downs.

The Red Star Capital Bureau noticed that in recent years, Bank of Nanjing has repeatedly received a ticket, of which the use of loans and other funds has not been strictly the main reason.

According to the information of the Banking Insurance Supervisory website, since 2017, Bank of Nanjing and branches have been punished 41 times, of which 50 % of the issues of loans and interbank funds have been explicitly stated that funds have flowed to restrictive areas such as real estate, real estate, and securities. Twelve times.

From the perspective of administrative penalties, the issue of fund management and control has been concentrated from the end of 2017.

Data show that in 2017, the total loan of Nanjing Bank was 388.952 billion yuan, and normal loans accounted for 97.50%. As of the end of 2017, the balance of housing mortgage loans was 5.206 billion yuan, accounting for 58.21%of personal loan balance. The balance of public loans for real estate was 17.788 billion yuan, accounting for 5.93%of the balance of public loans.

Since then, Nanjing Bank's housing mortgage loans have always been high. In 2018, it was 43.89%, 37.07%in 2019, and 37.75%in 2020.

In 2021, the total loan of Nanjing Bank was 791.370 billion yuan, and normal loans accounted for 97.87%. As of the end of 2021, the balance of housing mortgage loans was 83.54 billion yuan, accounting for 35.8%of personal loan balance. The total loan was 543.943 billion yuan, and the proportion of loans invested in real estate was 6.88%.

In addition, Nanjing Bank's interbank business has a large fluctuation.

From 2017 to 2021, the banks of Nanjing Bank's interbank demolished funds were 14.257 billion yuan, 23.717 billion yuan, 14.206 billion yuan, 16.871 billion yuan, and 33.769 billion yuan; the year-on-year changes were 395.55%, 66.35%, -40.10%, 148.58%, and, 148.58%, 100.16%.

Red Star reporter Yang Peiwen Tao Yiyang

Edit Yu Dongmei

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