In the first half of the year, the number of listed banks increased, and the non-performing loans ro-dxperience

Listed banks in the first half profit of single digit growth in non-performing loans rose [Abstract] PWC released the latest "Banking News: 2016 half year review and Outlook" Chinese bank pointed out that non-performing loans double up and capital adequacy ratio of the pressure drop. PWC released the latest "Banking News: 2016 half year review and Outlook" Chinese bank pointed out that in the environment of Chinese sustained economic adjustment and interest rates down, the first half of this year Chinese 30 A shares and H shares listed banks continue to face profit slowdown, spreads contraction, non-performing loans double up and capital the adequacy of the downward pressure. Analysis of the overall low growth of the banking industry showed that 30 listed banks in the first half of 2016 net profit of 774 billion 452 million yuan, an increase of 4.60%. Among them, five large commercial banks to increase the minimum (3.11%), nine joint-stock commercial banks also maintain a low growth (6.09%), 13 city commercial banks because of the scale and smaller base, still maintained a rapid growth rate (18.04%); three agricultural firms behave differently, the whole body is still growing (6.49%). From the trend, China banking profit growth continues to face pressure, large and medium-sized banks a double-digit growth to become the new normal, except for a few large commercial banks and joint-stock commercial banks, city commercial banks can only generally maintain two digit growth. In the first half of 2016, the interest income growth of listed banks is generally weak, and the stability of net profit mainly depends on the rapid growth of non interest income. This also led to the decline in interest income of these banks, non interest income accounted for significantly improved. In addition, the yield of interest earning assets down greatly, most of the first half of the listed banks net profit difference (NIS) and net interest margin (NIM) were lower than the same period in 2015 shrink. Non-performing loans increased by 10%, as of the end of 2016 6, the total assets of 30 listed banks amounted to 135 trillion and 410 billion yuan, an increase of 7.63% compared with the end of 2015. Have been disclosed 29 listed banks non-performing loan conditions, the overall non-performing loans amounted to 1 trillion and 130 billion yuan, compared with the end of 2015 by 10.06%; non-performing loan rate of 1.66%, up 0.04 percentage points compared with the end of 2015. According to the analysis of overdue and impairment, the overdue loan ratio of banks increased generally at the end of 6 in 2016. Analysis of PWC executives Chinese financial partner Liang Guowei: "although the first half of 2016 listed banks using a variety of ways to continue to strengthen the collection and disposal of non-performing loans, the growth slowed down. However, new non-performing loans are still high, and in addition to non-performing rate, the listed banks concerned about loans rates generally rise, reflecting the risk of asset quality still needs further observation. It is reported that, " interest loans is five level classification of bank loans, between normal loans and non-performing loans (NPLs is five class after class three, which is referred to as substandard, doubtful and loss class) part between, so the change trend and asset quality are closely related. (Information Times)

上市银行上半年利润个位数增长 不良贷款上升 [摘要]普华永道最新发布的《银行业快讯:2016年上半年中国银行业回顾与展望》指出,不良贷款“双升”和资本充足率下降的压力。普华永道最新发布的《银行业快讯:2016年上半年中国银行业回顾与展望》指出,在中国经济持续调整和利率下行的大环境下,今年上半年中国30家A股和H股上市银行持续面临盈利增速放缓、息差收缩、不良贷款“双升”和资本充足率下降的压力。银行业整体利润低增长分析显示,30家上市银行2016年上半年实现净利润7744.52亿元,同比增长4.60%。其中,五家大型商业银行的增幅最小(3.11%),九家股份制商业银行也维持低速增长(6.09%),13家城商行由于规模及基数较小,仍然保持了较快的增速(18.04%);三家农商行的表现各不相同,整体仍实现增长(6.49%)。从趋势上看,中国银行业的盈利增长持续面临压力,大中型银行个位数增长成为“新常态”,除了个别大型商业银行和股份制商业银行外,只有城商行仍能普遍维持两位数增幅。2016年上半年,上市银行的利息收入增长普遍乏力,净利润的稳定主要依赖非利息收入的快速增长。这也导致这些银行的利息收入占比下降、非利息收入占比显著提升。另外,由于生息资产收益率下行幅度较大,上半年大部分上市银行的净利差(NIS)和净利息收益率(NIM)均较2015年同期有所收缩。不良贷款额上升10%截至2016年6月末,30家上市银行总资产规模达135.41万亿元,较2015年末增长7.63%。已披露不良贷款状况的29家上市银行,整体不良贷款额达1.13万亿元,较2015年末增10.06%;不良贷款率1.66%,较2015年末升0.04个百分点。结合逾期和减值情况分析,2016年6月末各家银行的逾期未减值贷款比率普遍有所上升。普华永道中国金融业主管合伙人梁国威分析:“虽然2016年上半年各家上市银行采用多种方式不断加强清收和处置力度,使得不良贷款余额增长速度有所放缓。然而,新增不良贷款余额仍处于高位,且除了不良率之外,上市银行的关注类贷款率普遍攀升,反映了资产质量风险仍需进一步观察。"据悉,关注类贷款是银行贷款五级分类中,介于正常类贷款与不良贷款(不良贷款是五级分类中的后三类,即次级类、可疑类和损失类的统称)之间的一部份,因此其变化趋势与资产质量也息息相关。(信息时报)相关的主题文章: