WE Financial Report | Bank Report Enter "Preheating Time": 3 Bank Express "Pre -Happy", net profit increased by more than 20% year -on -year

Produced | WEMONEY Research Room

Edit | Liu Shuangxia

In the second half of the year, the semi -annual performance of listed companies continued to disclose.

Since July, listed banks have entered the semi -annual report "preheating time". At present, three listed banks of Bank of Nanjing, Bank of Hangzhou, and Su Nong Bank disclosed the first half of the performance express report. The three banks' performance Express "pre -happy", the net profit increase in the first half of the year, all exceeded 20%, and the quality of assets continued to improve.

The semi -annual report disclosure time released by the Shanghai and Shenzhen Exchange shows that the first semi -annual report of the listed bank will be disclosed on August 10 (expected to be disclosed). The semi -annual report of 42 listed banks will be disclosed in August.

01. Influenced the storm of public opinion, Bank of Nanjing disclosed the first performance express report of the listed bank

At the end of June, the news that the president of Nanjing Bank resigned caused a series of storms. On the evening of June 29, Bank of Nanjing issued an announcement saying that the bank's director and president Lin Jingran resigned as a director, president, and financial leader in the work. The next day, Nanjing Bank touched the daily limit after the opening.

Subsequently, the rumors about the bank were very loud and pushed it to the cusp of public opinion.

In this context, Nanjing Bank disclosed the first performance report in the A -share listed bank. On the afternoon of July 3, Bank of Nanjing released the 2022 Half -annual Report Report Express.

In the first half of 2022, Bank of Nanjing achieved operating income of 23.532 billion yuan, an increase of 3.295 billion yuan from the same period last year, an increase of 16.28%year -on -year; the net profit attributable to shareholders of listed companies was 10.15 billion yuan, an increase of 1.696 billion yuan over the same period last year. A year -on -year increase of 20.06%.

As of the end of the reporting period, Nanjing Bank's non -performing loan ratio was 0.90%, a decrease of 0.01 percentage points from the beginning of the year; the coverage rate of 395.17%was maintained, which maintained basically stable; the proportion of paying attention to category loans was 0.83%, a decrease of 0.39 percentage points from the beginning of the year; %, Decreased by 0.08 percentage points from the beginning of the year.

02. The first agricultural and commercial industry performance exposed, the non -performing rate of Su Nong Bank fell below 1% after listing

Su Nong Bank was the first bank to disclose the first half -year report in the listed Rural Commercial Bank. It is worth noting that the adverse rate of the bank dropped to less than 1%in the first half of the year.

The Express shows that in the semi -year 2022, the bank achieved operating income of 2.088 billion yuan, an increase of 6.53%year -on -year; net profit attributable to shareholders of the parent company was 847 million yuan, an increase of 21.87%year -on -year.

In terms of the scale of assets and liabilities, as of the end of June 2022, the total assets of Su Nong Bank was 170.474 billion yuan, an increase of 7.40%over the beginning of the year; of which the total loan was 104.446 billion yuan, an increase of 9.64%over the beginning of the year. The total liabilities were 15.6613 billion yuan, an increase of 7.67%over the beginning of the year; of which the total deposit was 130.196 billion yuan, an increase of 6.16%over the beginning of the year.

In terms of asset quality, as of the end of June 2022, the non -performing loan rate of Su Nong Bank was 0.95%, a decrease of 0.05 percentage points from the beginning of the year. This is also the first time that the bank has dropped the non -performing rate to less than 1%since its listing in 2016.

03. Hangzhou Bank's net profit increased by more than 30% year -on -year

On July 7, Hangzhou Bank announced the semi -annual performance of 2022. At the same time, Hangzhou Bank is also the largest net profit among the three banks, an increase of more than 30%year -on -year.

The Express shows that from January to June 2022, the bank realized operating income of 17.295 billion yuan, an increase of 16.26%year-on-year; the net profit attributable to shareholders of listed companies was 6.585 billion yuan, an increase of 31.52%year-on-year.

In terms of the scale of assets and liabilities, as of the end of June 2022, Hangzhou Bank's total assets were 153.328 billion yuan, an increase of 10.27%over the end of the previous year; of which the total loan was 661.627 billion yuan, an increase of 12.41%from the end of the previous year; Increased by 10.65%; of which the total deposit was 904.728 billion yuan, an increase of 11.60%over the end of the previous year.

In terms of asset quality, as of the end of June 2022, Hangzhou Bank's non -performing loan rate was 0.79%, a decrease of 0.07 percentage points from the end of the previous year; the preparation coverage rate was 581.60%, an increase of 13.89 percentage points from the end of the previous year.

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