37 listed banks achieved net profit 1 last year.53 trillion, an increase of nearly 7% in ten years

37 listed banks achieved net profit 1 last year.53 trillion, an increase of nearly 7% in ten years
According to a research report released by PricewaterhouseCoopers on April 24, the average net profit and operating income of China’s listed banks maintained steady growth in 2019, and 37 listed banks achieved net profits1.53 trillion yuan, an annual increase of 6. 68%.Among them, the growth rate of large banks is 5.63%, the growth rate of joint-stock banks and urban and rural commercial banks were 11 respectively.44% and 5.14%.According to statistics, various types of income of listed banks are steadily increasing in 2019, and index net income is still the highest proportion.Fees and commission income accounted for the largest proportion of joint-stock banks.The program fee and commission income of large banks and joint-stock banks are mainly concentrated in bank card fee business. The fee and commission income of urban and rural commercial banks decreased in the proportion of operating income.In 2019, the total assets of listed banks continued to grow. As of the end of 2019, the assets of 37 banks reached 171 trillion, an increase of 8.88%.Among them, the growth rate of joint-stock banks is relatively fast, reaching 11.09%.”In 2019, the ability of listed commercial banks to withstand imperial risks continues to increase, and overall performance has maintained steady growth. Both the growth rate of net profits has been steadily increasing, the scale of assets and liabilities has continued to expand, and the capital adequacy ratio has stabilized.This has laid the foundation for occupation in response to the extraordinary period in 2020.”Introduced by PwC Wang Wei, a partner in the Mainland China financial industry.The loan structure of listed banks will be further adjusted in 2019, and the proportion of retail loans will continue to rise.Among them, large banks and joint-stock banks grew by 13% and 16% respectively, and the proportion of retail loans in all loans rose by an average of about 1 percentage point; the alternating growth of urban and rural commercial banks increased by 28%, accounting for 2 percentage points.Housing mortgage loans are still the main driver of retail loan growth.As a key year for the transition of the “New Asset Management Regulations”, the scale of non-standard investment of listed banks continued to shrink in 2019, and the scale of bond investment continued to grow.The investment scale of large bank bonds reached 30.63 trillion yuan, an increase of 10% in ten years; the scale of joint-stock bank bond investment reached 6.83 trillion yuan, an annual increase of 23%; the scale of bond investment in urban and rural commercial banks reached 2.38 trillion, an increase of 10% in ten years.Large commercial banks continued to increase their government bonds in 2019, while joint-stock commercial banks invested more in corporate bonds.As of the end of 2019, the balance of non-performing loans of six large commercial banks was 9,389.9.2 billion yuan, an increase of 4.07%; the balance of non-performing loans of seven joint-stock commercial banks was 3016.5.5 billion yuan, an increase of 5 from the end of 2018.83%.The NPL ratios of the two types of banks have generally declined from the end of 2018.The scale of non-performing loans of urban and rural commercial banks reached 990.2.7 billion yuan, an increase of 20 from the end of 2018.31%; the non-performing rate has also increased, showing a “double rise” trend.What will happen to the performance of listed banks in 2020? Wang Wei, a partner of PwC’s Mainland China financial industry, believes that the new crown epidemic has brought many challenges to the listed banks’ business performance, asset quality, and debt management in 2020, but it has also catalyzedThe digital development of finance.Precautions and perseverance are the keys to the listed banks’ epidemic prevention and response.Under the current complex economic and financial indicators at home and abroad, listed banks should vigorously promote the in-depth integration of finance and technology, accelerate the enabling transformation of fintech, put technology finance at the height of strategic positioning, and deepen the transformation strategy.Sauna, Ye Wang Zhang Siyuan Editor Zhao Ze proofreading Li Xiangling