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    The “annual report time” of listed banks is opened: Ping An is the first to report

    2019-03-12 03:26:28

    Securities dailyLu Dong

    With last weekPing An BankThe debut of the annual report, the disclosure of the 2018 performance report of the A-share listed banks also opened. In the first annual report of the listed bank, Ping An Bank's net profit attributable to shareholders of the company was 24.818 billion yuan, a year-on-year increase of 7.0%. The bank's annual report disclosure period is longer – 31 A-share listed banks' 2018 annual report will be fully disclosed by the end of April.

    First annual report

    Ping An Bank's net profit increased by 7%

    Last week, the first annual report of the listed bank was officially unveiled. Ping An Bank's 2018 annual report shows that the bank achieved operating income of 116.716 billion yuan last year, an increase of 10.3% year-on-year, of which net interest income was 74.745 billion yuan, up 1.0% year-on-year; non-interest net income was 41.71 billion yuan, up 32.1% year-on-year. The net profit attributable to shareholders of the company was 24.818 billion yuan, a year-on-year increase of 7%, which was a significant increase from the 2016 and 2017 3.36% and 2.61% net profit growth rates. In 2018, Ping An Bank's retail business grew rapidly. The business realized revenue of 61.883 billion yuan, an increase of 32.53% over 2017, accounting for 53% of the bank's revenue; net profit was 17.129 billion yuan, an increase of 9.25. %, accounting for 69% of the bank's net profit.

    As of December 31, 2018, the total assets of Ping An Bank were 341.852 billion yuan, an increase of 5.2% from the end of 2017. As of the end of last year, Ping An Bank's core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio and capital adequacy ratio were 8.54%, 9.39% and 11.50%, respectively, up 0.26, 0.21 and 0.3 percentage points respectively from the beginning of last year.

    As for asset quality, as of the end of 2018, Ping An Bank’s non-performing loan ratio was 1.75%, an increase of 0.05 percentage points from the beginning of last year. Among them, the non-performing loan ratio of corporate loans (including discount) was 2.68%, an increase of 0.46 percentage points from the beginning of last year; the non-performing loan ratio of personal loans (including credit cards) was 1.07%, down 0.11 percentage points from the beginning of last year. At the end of 2018, the bank's loan balance and proportion of overdue and overdue loans for more than 90 days achieved “double down”. The balance of overdue loans was 49.480 billion yuan, a decrease of 9.264 billion yuan from the beginning of last year; overdue loans accounted for 2.48%, down 0.96 percentage points. The balance of loans overdue for more than 90 days was 33.984 billion yuan, a decrease of 7.476 billion yuan; loans overdue for more than 90 days accounted for 1.70%, down 0.73 percentage points. The balance of concern loans was 54.552 billion yuan, a decrease of 8.432 billion yuan; the concern rate was 2.73%, a decrease of 0.97 percentage points. In 2018, Ping An Bank increased the disposal and write-off of non-performing assets. The bank recovered a total of 18.744 billion yuan of non-performing assets last year, an increase of 96.7% year-on-year, of which credit assets (loan principal) was 17.52 billion yuan.

    In the fourth quarter of last year, the top ten shareholders of Ping An Bank did not change much from the end of the third quarter of last year. Among them, the E Fund 50 Index Securities Investment Fund purchased 44.143 million shares in the fourth quarter, becoming the bank's new top ten shareholders, and the securities company's shareholdings remained unchanged.

    25 banks have been released

    2018 Performance Express

    Although only one listed bank has disclosed its annual report, a number of listed banks have disclosed their performance reports. Up to now, in addition to the five major state-owned banks andBank of BeijingIn addition, the performance reports of the remaining A-share listed banks have all appeared.

    Also last week,HSBC Bank,Changshu Bank,Bank of NanjingThe 2018 performance report was disclosed. This week,Jiangyin BankThe 2018 annual report will also be released, and the 31 A-share listed banks will be released until the end of April.

    Huaxia Bank's performance report shows that in 2018, the bank achieved operating income of 72.227 billion yuan, an increase of 8.8%; net profit attributable to shareholders of listed companies was 20.854 billion yuan, an increase of 5.22%.

    As of the end of 2018, Huaxia Bank's total assets were 268.58 billion yuan, an increase of 6.84% compared with the beginning of last year; the non-performing loan ratio was 1.85%, an increase of 0.09 percentage points.

    In 2018, Changshu Bank achieved operating income of 5.804 billion yuan, an increase of 16.15% year-on-year; net profit attributable to ordinary shareholders of listed companies was 1.493 billion yuan, an increase of 18.12%. As of the end of last year, the total assets of Changshu Bank reached 166.708 billion yuan, an increase of 14.32% compared with the beginning of last year. The bank's non-performing loan ratio fell by 0.17 percentage points to only 0.97%.

    Bank of Nanjing achieved operating income of 27.402 billion yuan in 2018, a year-on-year increase of 10.32%; net profit attributable to shareholders of listed companies was 11.07 billion yuan, an increase of 14.50%. As of the end of 2018, the total assets of Nanjing Bank was 1,236.296 billion yuan, an increase of 95.133 billion yuan from the beginning of last year, an increase of 8.34%; the non-performing loan ratio was 0.89%, an increase of 0.03 percentage points from the beginning of the year.

    Up to now, 25 of the 31 A-share listed banks have released last year's performance report, and these banks achieved a year-on-year increase in net profit. In terms of asset quality, more than 70% of the bank's non-performing loan ratio has increased or remained the same as at the beginning of last year.

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    Editor in charge: Fu Jianqing RF13564

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