(Economic Observation) China’s four major lines earned 3 billion yuan in the first half of the year, the decline rate
China New Agency, Beijing August 30, Siqi: China’s four major banks earned 3 billion Yuan Direct Loan Radger
China New Agency reporter Wang Enbo
As of August 30, Industrial and Commercial Bank of China, China Construction Bank, China Agricultural Bank, China Bank of China, four major banks All is all released. In contrast, the net profit with the same period last year is a sharp increase, and the net profit of four major lines in the first half of this year is approaching or more than two digits.
Among them, the ICBC achieved net profit of 164.5 billion yuan (RMB, the same) in the first half of the year, an increase of 9.8% year-on-year; the net profit of CCB is 10.92% year-on-year; the net profit of Agricultural Bank of China is 12.2833 billion yuan, year-on-year growth 12.5%; Bank implemented the Bank’s shareholders’ profit after the profit of taxes were 11.281 billion yuan, an increase of 11.79% year-on-year. In the first half of the year, the four major banks were consistently earned more than 554.2 billion yuan, with an average of about 3 billion yuan per day.
– The non-expensive rate is low, the risk point is still stored
After the \”Black Swan\”, the deterioration of banking assets is considered to be inevitable. In 2020, the four major banks had a rebound, but this year has improved.
In particular, as of the end of June, the ICBC’s non-performing loan rate is 1.54%, the CCB is 1.53%, and the non-performing loan rate of the Agricultural Bank is 1.5%, the non-performing loan rate of the Bank of China is 1.30%, all from the end of last year. Different degrees decline.
Tard the reason for the improvement of asset quality indicators, Wang Jingwu, deputy period ICBC, increase the risk prevention and control in key areas, pay close attention to local recessive debts, real estate, \”two high\” industries, epidemic sensitivity The risk of key areas such as the industry, strengthening the prospective risk recognition and prevention of hidden risk customers, key owners. At the same time, controlled the delayed loan and continues to actively digest the loans that have a substantial risk, and further consolidate the quality of assets.
However, there are still some key risk sectors to be concerned, such as economic transformation, partially inefficient micro-profit, heavy large-scale enterprise risks are gradually exposed.
Agricultural Bank President Zhang Qingcong said that the bank has always adhered to the credit policy of controlling the risk of loan concentration, and the overall risk is not highlighted. However, for some large and medium-sized enterprise risk signals, ABC will actively implement the relevant national requirements, forward-looking do a good job in risk research, strengthen risk with tracking monitoring, classification and policy control risk, timely adjust the classification form, and do a good job.
– Net profit rebounded, \”lying to earn\” is difficult to reproduce
The China economy has continued to restore the momentum of China’s economy, and the banking industry also eats bonus.
Agricultural Bank is a family with the highest growth rate of net profit in the fourth largest line in the first half of the year. Zhang Qingcong judged that from the whole year, withThe China’s economy continues to rebound, and it is expected that the net income of interest, the net income of the handling fee will remain steadily. The year-round increase in the year will rise in the whole year.
But this does not mean that the banking industry has \”lying\” is coming back. Liao Lin said that in the first half of last year, the new crown epidemic is affected by economic impact, and the net profit of banking industry declines year-on-year, such as the ICBC. Therefore, the increase in the growth rate of bank profit in the first half of this year has a certain relationship with the base base.
As the main indicator of bank profits, the net interest poles are generally narrowed and the bank’s ability to make money. For example, due to factors such as the decline in lending yield this year, the net interest spread in the second half of the year was 9 basis points last year.
However, Liu Jin, a director of Bank of China, has a confidence in the pick-up poor. He said that the bank will do some specific work in the future of the deposit price and price, the debt refinement management. At the same time, as the epidemic is further controlled, China’s economic fundamental will become better and better. The bank will gradually rebounded by paying the benefits, supporting the entity economy.
– Where is the huge credit funds in the second half?
The four major lines report also showed that the banks have optimized credit on the rhythm and structure of credit this year, increasing financial support for the national economic focus areas and weak links.
For example, the RMB loans in China in the first half of the year increased by 863.2 billion yuan, and the incremental homage history is high. Liu Jin said that in the second half of the year, the bank will continue to play professional advantages, increase the financial services program, improve the full chain financial services program, and effectively help foreign trade enterprises to stabilize, and promote market and risk. Especially for foreign trade small and medium-sized enterprises, ensure credit supply, strengthen credit support, and deepen government and silver in cooperation, and continue to expand the coverage of export security financing.
In the first half of the year, CCB increased the credit of Puhui finance, advanced manufacturing, strategic emerging industries, green finance and other fields. Wang Hao, deputy director of the bank, will continue to promote the smooth growth of credit in the second half of the year, and the structure has been continuously optimized, and it is expected that the new distribution loan interest rate will also remain fundamentally stable. (End)
Source: China News Net