In the first half of 18 listed banks bad rebound inflection point before the arrival of bad books 候鸟兵营丽图


In the first half of 18 listed banks bad rebound inflection point before bad books Sina fund exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them! As the highlight of the semi annual disclosure of listed companies, A shares of 18 listed banks have all announced during the senior high school entrance examination report, the first half of A shares of listed banks net profit attributable to shareholders of the parent company of about 726 billion 500 million yuan. And unlike in previous years, the industry appeared in a number of bad rate contrarian decline sample. However, the industry generally believes that the overall situation is still grim, non-performing loans are still exposed within the cycle, the banking sector can not be taken lightly. A shares listed bank interim net profit of over 700 billion yuan in the economic slowdown, accelerate the process of market interest rates, financial disintermediation acceleration under the influence of multiple factors, the listed banks to make money is not easy. From the point of view of the report, 3 countries have big line net profit growth of less than 1%; joint-stock banks between the differentiation intensified; city commercial banks are excellent. The 5 state-owned banks, Chinese Bank net profit attributable to shareholders of the parent company grew 2.52%, compared with the first half of last year’s double 1.14%; China Construction Bank attributable to shareholders net profit year-on-year growth reached 1.15%, the other three lines of net profit attributable to shareholders were lower than the growth rate of 1%, the bank was 0.9%, the bank was 0.8%. Work behavior 0.8%. The joint-stock banks have obvious differences, the lowest net profit growth rate is only 1.24%, and the best can reach 11.99%. Among them, the Shanghai Pudong Development Bank net profit growth of 11.99% ranked first joint-stock banks; China Merchants Bank, Ping An Bank, industrial bank and Huaxia Bank four bank net profit growth in the range of 6%-7%; the Minsheng Bank and China Everbright Bank respectively 1.66% and 1.22%, ranking. Generally outstanding performance belongs to city commercial banks. Among them, Nanjing Bank net profit of up to 22.26%, the Bank of Ningbo and A shares "upstart" Bank of Jiangsu increased by 16.53% and 14.06% respectively, the Bank of Beijing, the growth rate reached 5.83%, another A shares "new" Bank of Guiyang is only 2.34%. The reason for the net profit growth slow, many banks also bluntly in the performance report and conference, market-oriented interest rate effects directly lead to the decrease in net interest income, resulting in net interest margin and net interest income rate showed a downward trend. It is worth mentioning that, individual state-owned big line not only in the net profit growth on the left behind, business income also appears negative growth. Data show that in the first half of the year, ABC achieved operating income of 260 billion 385 million yuan, compared with the same period last year to reduce 13 billion 762 million yuan, down 5%. This is the first time since 2010, the Agricultural Bank of China has been listed on the negative growth of revenue. In addition to the Agricultural Bank, ICBC, Minsheng Bank operating income increment 0.4%, a slight increase of 1.36%. Will low income growth or even negative growth become a trend? Zhao Xijun, vice president of the finance and Economics College of Renmin University, believes that it is not easy to judge the situation at the moment. Banking is a service industry, serving the real economy and serving the customers

18家上市银行晒半年不良账本 不良企稳回升拐点未至 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   作为上市公司半年报披露的重头戏,A股的18家上市银行期中考成绩单已全部发榜,上半年A股上市银行归属于母公司股东净利润约为7265亿元。而与往年不同的是,行业中出现了多个不良率逆势下降的样本。不过,业内普遍认为,目前整体情况仍然严峻,不良贷款还在持续暴露周期之内,银行业仍不可掉以轻心。   A股上市银行中期净利超7000亿元   在经济增速放缓、利率市场化进程加快、金融脱媒加速等多重因素影响下,上市银行赚钱不易。从中报来看,3家国有大行净利润增速不足1%;股份制银行之间出现分化加剧;城商行则表现优秀。   5家国有银行中,中国银行归属于母公司股东的净利润增长2.52%,较去年上半年的1.14%翻倍;建行归属于母公司股东净利润增速同比达到1.15%,其余三大行归属于母公司股东净利润增速均低于1%,交行为0.9%,农行为0.8%,工行为0.8%。   股份制银行梯队差异明显,最低的净利润增速仅有1.24%,而最好的能达到11.99%。其中,浦发银行以11.99%的净利润增速名列股份制银行第一;招商银行、平安银行、兴业银行和华夏银行四家银行净利润增速在6%-7%区间;民生银行和光大银行分别为1.66%和1.22%,排名靠后。   普遍表现优异的还属城商行。其中,南京银行净利润高达22.26%,宁波银行和A股“新贵”江苏银行分别增长16.53%和14.06%,北京银行增速达5.83%,另一位A股“新人”贵阳银行则只有2.34%。   对于净利润增长缓慢的原因,多家银行在业绩报告及发布会上也直言,利率市场化效应直接引发净利息收入减少,进而导致净利差以及净利息收益率均呈现下降态势。值得一提的是,个别国有大行不仅在净利润增速上掉队,营业收入也出现负增长。数据显示,上半年农行实现营业收入2603.85亿元,较上年同期减少137.62亿元,下降5%。这是自农行2010年上市以来,营业收入首度出现负增长。除了农行外,工行营业收入微增0.4%,民生银行小幅增长1.36%。营业收入低速增长甚至负增长会否成为趋势?人民大学财政金融学院副院长赵锡军认为,目前还不能轻易地下判断。银行业是服务行业,服务于实体经济、服务于客户,实体经济放缓或客户需求增长放缓都会使银行业务受到影响,是否会负增长、何时到达正负临界点要取决于这两大因素。   阻击不良战役初显成效   在经济结构转型、坏账压力侵袭的宏观环境下,银行纷纷打响资产质量保卫战,而如今,银行的“刮骨疗伤”已经初见成效。   数据显示,今年上半年有3家银行的不良率出现了逆势下降。宁波银行不良率为0.91%,较年初下降0.01个百分点;光大银行半年末的不良率比上年末下降0.11个百分点至1.5%;中信银行不良率比上年末下降0.03个百分点至1.4%。江苏银行不良率则与上年末持平。   一些银行不良率虽然上涨,但增长势头已经得到控制,8家上市银行不良率上涨幅度控制在0.05个百分点以内,分别为中国银行、农业银行、建设银行、交通银行、北京银行、工商银行、南京银行和华夏银行。兴业银行、招商银行、平安银行和贵阳银行不良率增长超过0.1个百分点,其中兴业银行增幅最大,上升了0.17个百分点至1.63%。   而在不良贷款余额增速方面,民生银行、招商银行、平安银行、兴业银行、南京银行和浦发银行超过了15%。南京银行成为资产质量滑坡的第一名,该行上半年新增不良贷款余额25.22%,达到26.07亿元。   值得关注的是,多家银行的关注类贷款占比出现下降。例如,交通银行关注类贷款占比从年初的3.17%下降到6月底的3.07%;中信银行从3.72%下降至2.67%;农业银行由4.2%降低到4.17%;招商银行由2.61%下降到2.48%等。对此,赵锡军表示,目前银行加大了处置核销力度,处置速度都比较快,国家也采取措施支持银行,所以银行不良率增速势头放缓,但一定程度上也会冲销利润。   坏账风险仍不可掉以轻心   虽然银行的资产质量恶化势头已经出现企稳迹象,但多位业内人士表示,坏账反弹风险依然存在,转危为安的拐点尚未到达。   工商银行董事长易会满指出,现在判断不良贷款到了拐点还为时尚早。目前信贷风险整体可控,但全球金融形势不确定,外部环境没有好转迹象,国内也处于政策期,信贷风险在一些地区仍然存在,所以说不良率何时见顶、何时出现拐点,需要进一步观察。   平安银行行长邵平表示,银行业确实遇到了挑战、困难,表现就是利润的增长下滑、坏账增多,增长乏力。不过,邵平也表示今年上半年,银监会披露的银行业不良资产的增长环比是持平的。这不是巧合,证明现在坏账有见底的迹象。但是不是拐点已至,还需要观察一段时间,不能急于下结论。   可以预见,未来一段时间内,如何处置坏账仍是摆在银行面前的重要任务。浦发银行在中报中提及,将根据监管政策导向积极探索不良资产收益权转让等新的不良处置路径。   其中,债转股在阻击银行不良的方式中呼声颇高。农行行长赵欢在业绩发布会上表示,支持债转股政策。分析人士指出,在经济下行期间,商业银行不良贷款反弹预计在短期内仍然可能会再持续一段时间。但我国商业银行拨备覆盖率较高,风险抵御能力较强,资产质量总体可控。从长期看,经济增长保持在合理区间,各行积极采取资产保全措施,加强逾期贷款监测管理,完善全面风险体系,逐步优化融资结构,各行企业部门债务风险总体可控,系统性风险发生的可能性较低。北京商报记者 崔启斌 程维妙 进入【新浪财经股吧】讨论相关的主题文章: