In the first half of the year, the five big daily earn 2 billion 900 million but the days are gettin-xingbayounichunnuanhuakai

The first half of the five lines: but the day to earn 2 billion 900 million more bad days Sina App: Live on-line blogger to listen to expert guidance on forest stock Jiepan election Niugu tournament in the first half of the five day to earn 2 billion 900 million non-performing loans in the "worst" end? Li Jingxia, Song Yikang, August 30th, five lines, the first half of 2016 performance report released. "First Financial Daily" reporter statistics, according to international accounting and financial standards, the five major net profit (all belong to the parent company net profit) totaled 520 billion 405 million yuan, with 182 days working day earned 2 billion 857 million yuan. In the first half of this year, the five lines of establishing diplomatic relations between workers and peasants were 150 billion 217 million yuan, 105 billion 148 million yuan, 93 billion 37 million yuan, 133 billion 903 million yuan, 37 billion 661 million yuan, respectively, and the growth rate slowed down by 0.8%, 0.8%, 2.52%, 1.25% and 0.9%, respectively. "In 2016, the banking industry is facing many challenges," Bank of China President Chen Siqing in the interim results conference that the global financial situation increased uncertainty, the development environment of the banking industry is complex and changeable, the development bank is "Chinese in difficult, long way to go". From the first half of this year’s situation, the bank’s days are indeed increasingly tight, the five lines, a number of banks net interest income has negative growth, net profit growth is weak. Despite the downward trend in non-performing loan exposure in the first half of this year, the NPL ratio is still at a high level, and some new industries, such as mining, are accelerating their exposure to non-performing loans. Net profit growth dilemma: a number of banks net interest income negative growth of five major lines in the first half of the performance report shows that the net profit contribution of greater net interest income, many banks have negative growth. In the first half of 2016, ABC’s operating income decreased by 13 billion 762 million yuan, a decline of 5%. Net interest income decreased by 20 billion 536 million yuan, a decrease of 9.36%. At the same time, the net interest income of the bank was 68 billion 148 million yuan, a decrease of 2 billion 911 million yuan, accounting for 65.95%. At the end of the report, the net interest income of CCB was 210 billion 990 million yuan, down 6.07% year-on-year. From the net interest margin continues to decline, we can see the reasons for the decline in net interest income of banks. At the end of the first half of the year, the net interest margin of the four major workers and peasants was reduced to 0.27, 0.47, 0.35, 0.28 percentage points, respectively. Zhang Qingsong, the new deputy governor of BOC, said in the bank performance conference that there were three main reasons affecting the decrease in net interest rate. First, the lagged impact of the bank’s five interest rate cuts on the central bank, and the difference in the interest rate of RMB deposits and loans in the first half of the year was the most serious. The second factor is the continuous impact of interest rate liberalization, the rising rate of bank deposit interest rate rises, and the interest rate of RMB loans shows a downward trend. The third factor is the influence of "replacing the camp with the increase". Zhang Qingsong said, if the camp changed to increase the factors to make a reduction, the first half of the net interest margin in 1.96%, rather than 1

上半年五大行日赚29亿:但日子越来越不好过 新浪财经App:直播上线 博主一对一指导 听牛人解盘选牛股 上股林争霸赛   上半年五大行日赚29亿不良贷款“最差时候”结束了?   李静瑕 宋易康   8月30日,五大行2016年上半年业绩报告发布完毕。《第一财经日报》记者统计,根据国际会计财务准则,五大行净利润(下均为归属母公司净利润)共计5204.05亿元,以182天工作日计算日赚28.57亿元。   今年上半年,工农中建交五大行分别实现净利润1502.17亿元、1051.48亿元、930.37亿元、1339.03亿元、376.61亿元,增速明显放缓,分别同比增长0.8%、0.8%、2.52%、1.25%、0.9%。   “2016年银行业面临着很多充满挑战的问题,”中行行长陈四清在中期业绩发布会上称,整个全球金融的形势不确定性增加,银行业的发展环境复杂多变,中国银行的发展也是“进中有难,任重道远”。   从今年上半年的情况来看,银行的日子的确越来越“紧”,五大行中,多家银行净利息收入出现负增长,净利润增速乏力。尽管在上半年不良贷款暴露速度有下降的趋势,不过不良率仍然在高位运行,一些新的行业,例如采矿业,不良贷款正在加速暴露。   净利增长困境:多家银行净利息收入负增长   五大行上半年业绩报告显示,净利润贡献较大的净利息收入,不少银行出现了负增长。   2016年上半年,农行营业收入减少137.62亿元,降幅达到5%。利息净收入减少205.36亿元,降幅为9.36%。同期,交行实现利息净收入681.48亿元,同比减少29.11亿元,占比为65.95%。报告期末,建行利息净收入2109.90亿元,同比下降6.07%。   从净息差继续下降可以窥见银行利息净收入下降的原因。上半年末,工农中建四家大行净息差出现不同程度的下降,下降幅度分别为0.27、0.47、0.35、0.28个百分点。   中行新上任副行长张青松在中行业绩发布会上表示,主要有三大原因影响了净息差下降,首先是银行对央行此前五次降息的滞后影响,境内人民币存贷款的息差上半年下降得最厉害。   第二个因素是利率市场化的持续影响,银行存款利率上浮的比例不断上升,人民币贷款的利率水平呈下降趋势。   第三个因素是“营改增”的影响。张青松表示,如果把营改增的因素做一个还原,中行上半年的净息差在1.96%,而不是1.9%。   “营改增因素价税分离,收入直接扣增值税,价税分离影响利息收入7个bp,但对工行的利润不造成影响。”工行董事长易会满在业绩发布会上也表示。   不良暴露趋缓:采矿业成新风险点   “总体上看,未来几年不良资产还在高位运行,最差的情况在去年结束了,但是未来几年新的不良还会在高位运行。”建行首席财务官曾俭华在建行业绩发布会上表示。   从五大行公布的2016年6月末“不良”情况来看,无论是不良贷款的增加规模,还是不良率的增幅的确有所趋缓。上半年,五大行新增不良贷款624.79亿元,不及去年全年的一半。   截至上半年末,建行不良贷款新增159.69亿元,不良率上升0.05个百分点至1.63%;农行不良贷款新增125.22亿元,不良率升0.01个百分点;工行增加167.85亿元,不良率上升0.05个百分点至1.55%;中行增加120.45亿元,不良率上升0.04个百分点至1.47%;交行不良贷款新增51.58亿元,不良率上升0.03个百分点至1.54%。   “今年以来,不良贷款的形势越来越好,新暴露的不良贷款在逐月下降。”建行董事长王洪章称。   不过,在“不良”高位运行的当前,银行“以丰补歉”的高拨备率近几年也在被不断蚕食。   五大行的不良贷款拨备率近几年正在逼近150%的监管红线,工行在上半年末甚至低于150%的红线。   工行半年报数据显示,上半年拨备覆盖率降至143.02%,拨贷比为2.21%,环比上年末下降0.14个百分点。6月末,该行拨备覆盖率143.02%与拨贷比2.21%已经低于银监会《贷款损失管理办法》的拨备覆盖率150%、拨贷比2.5%的监管红线。   工行董事长易会满在业绩发布会上对于拨备覆盖率、拨贷比低于银监会监管红线做出了正面回应:“工商银行这种处理方式,也得到监管部门理解。”   易会满还透露,6月底工行拨备覆盖率是143%,比上个季度的情况增加了1点多个百分点。   在不良贷款的行业分布上,制造业、批发和零售行业一直都是重灾区。以农行为例,其批发和零售业的不良率已经高达13.88%,较去年末上升1.57个百分点。建行批发和零售业不良率虽然出现了下降,不过依然高达9.29%。   值得注意的是,银行“不良”重灾区中,首现采矿业身影。   “截至2016年6月30日,本行不良贷款余额上升较多的两个行业为制造业、采矿业,分别上升55亿元和22.72亿元。”农行称。   6月末,农行采矿业不良贷款101.31亿元,不良率为4.23%,较2015年的3.14%上升了1.09个百分点。   建行采矿业不良贷款余额为122.1亿元,较2015年末的90.32亿元增加31.78亿元,不良率从2015年末的4%上升1.45个百分点至5.45%。   “资源型行业就是时机的问题。”对于采矿业不良贷款的上升,曾俭华在建行业绩发布会上解释道。   不过,今年采矿业出现比较好的迹象,煤炭价格有所反弹,采矿行业风险的可控度在提高,“即使现在不良率高,但是损失率很低。”曾俭华称。 进入【新浪财经股吧】讨论相关的主题文章: