Two lines announced the three quarter report card, CCB provision coverage fell below the regulatory -norton disk doctor

Two lines released three quarter report card, CCB provision coverage fell below the regulatory red line We want you! The first 2016 Chinese Potter Rockefeller award officially started! Fund, insurance, securities and other financial institutions ability to manage information, which is better? Please click on the vote to select the strongest organization in your mind! Original title: two lines announced in the three quarter report CCB provision coverage below the regulatory red line after each intern reporter Zhang Shoulin as of the evening of October 27th, state owned bank, CCB, BOC three quarterly report published two. Three quarterly data show that as of the end of 9, the bank non-performing loan rate was 1.48%, up 0.01 percentage points over the previous quarter. At the same time, the construction of the business income of 428 billion 480 million yuan, down 3.12%; to the end of the reporting period, the bank non-performing loan ratio was 1.56%, compared with the previous year decreased by 0.02 percentage points, but the provision coverage ratio fell to 148.78%, fell out of the 150% of the regulatory red line. Tianfeng Securities chief banking analyst Liao Zhiming told the "daily economic news" reporter, see the quality of bank assets, it is more important to observe the adverse situation of generation. This year, the economy is slightly better than last year, there is a steady trend, bad production and therefore tend to stabilize, but can not say that the bank’s asset quality improved. According to Ping An Securities analyst Li Yamin estimates, in the three quarter of the year single season poor production rate was 0.46%, down 45bps, down 38bps, bad formation rate dropped significantly. Revenue growth has slowed down, three quarterly reports show that the first three quarters of the group to achieve operating income of 369 billion 70 million yuan, an increase of 3.45% over the same period last year. Net profit of the group was 151 billion 558 million yuan, an increase of 9.93%, respectively, compared with the first half of the year. In addition, the group realized net income of 229 billion 805 million yuan, a decrease of 16 billion 475 million yuan, down 6.69%. Net interest margin was 1.85%, down 0.29 percentage points. However, the group realized non interest income of 139 billion 265 million yuan, an increase of 28 billion 772 million yuan, an increase of 26.04%. Non interest income in operating income accounted for 37.73%, an increase of 6.76 percentage points. Li Yamin analysis, net interest income fell 6.69%, mainly due to the narrowing of spreads on the first three quarters of net interest margin was 1.85%, up narrowed 29bps, narrowed the chain 5bps, spreads rate of sustained convergence (a quarter narrowed 15bps, two quarter narrowed 7bps), is mainly the impact of gradually re pricing of loans fade. Li Yamin believes that with the deepening of internationalization strategy, the future of overseas business will contribute further to the performance of boc. But she says the asset quality is worse than expected. The construction of the three quarter report shows that group net profit of 194 billion 670 million yuan, up 1.35% over the same period last year; net interest income 315 billion 802 million yuan, representing a decrease of 7.34%; 2 of net interest margin

两大行公布三季度成绩单 建行拨备覆盖率跌破监管红线 We want you!2016首届中国波特菲勒奖评选正式开始!基金、保险、券商等金融机构资管能力孰优孰强?请点击【投票】,选出你心中的最强机构!   原标题:两大行公布三季度成绩单 建行拨备覆盖率跌破监管红线   每经实习记者 张寿林   截至10月27日晚间,国有大行中,建行、中行两家的三季度业绩报告已发布。   三季报数据显示,截至9月末,中行不良贷款率为1.48%,比上一季度上升0.01个百分点。同期,建行营业收入为4284.8亿元,同比下降3.12%;至报告期末,建行不良贷款率为1.56%,较上年末下降0.02个百分点,但拨备覆盖率降至148.78%,跌出了150%的监管红线。   天风证券银行业首席分析师廖志明告诉《每日经济新闻》记者,看银行的资产质量,更重要的是要观察其不良生成的情况。今年宏观经济比去年稍好,有企稳的态势,不良生成也因此趋向企稳,但不能说银行的资产质量就改善了。   据平安证券分析师励雅敏测算,中行三季度单季年化不良生成率为0.46%,环比下降 45bps,同比下降38bps,不良生成速度明显回落。   ●收入增长均有所放缓   中行三季报显示,前三季度集团实现营业收入3690.7亿元,比上年同期增加3.45%。集团实现净利润1515.58亿元,同比分别增长9.93%,较上半年有所回落。   此外,集团实现利息净收入2298.05亿元,同比减少164.75亿元,下降6.69%。净息差1.85%,同比下降0.29个百分点。不过,集团实现非利息收入1392.65亿元,同比增加287.72亿元,增长26.04%。非利息收入在营业收入中占比为37.73%,同比增加6.76个百分点。   励雅敏分析认为,净利息收入同比下降6.69%,主要受息差收窄的拖累,公司前三季度净息差为1.85%,同比收窄29bps,环比收窄5bps,息差收窄幅度持续收敛(一季度环比收窄15bps,二季度收窄7bps),主要是贷款重定价的冲击逐步消退。   励雅敏认为,随着国际化战略深入推进,未来海外业务对中行的业绩贡献将进一步提升。但她表示,资产质量恶化超预期。   建行三季度报告显示,集团实现净利润1946.70亿元,较上年同期增长1.35%;实现利息净收入3158.02亿元,较上年同期降低7.34%;净利差为2.09%,净利息收益率为2.26%,均较上年同期下降0.38个百分点。手续费及佣金净收入923.14亿元,较上年同期增长4.09%。报告称,代理保险、理财产品、托管业务等实现较快增长,信用卡、电子银行等产品表现良好。   事实上,建行上半年报也体现出了非息收入快速增长的趋势。上半年中,建行手续费及佣金净收入较上年同期增加35.45亿元,增幅5.57%;其他非利息收入较上年同期增加318.94亿元,增幅140.02%,主要是保险业务收入大幅增长及出售了部分可供出售金融资产。   ●不良生成速度有所企稳   中行三季度报显示,截至报告期末,不良贷款率为1.48%,比上一季度上升0.01个百分点。不过,励雅敏测算发现,其三季度单季年化不良生成率为0.46%,环比下降 45bps,同比下降 38bps,不良生成速度明显回落。   不过,建行三季度的不良贷款率则有所下降。数据显示,建行三季度不良贷款余额为1797.27亿元,较上年末增加137.47亿元;不良贷款率1.56%,较上年末下降0.02个百分点。   廖志明指出,整个银行业未来一两年不良率还会缓慢上升。单看不良率没有多少价值,它只是衡量资产质量的很小一个指标,更重要的是要看不良生成的情况。“如果核销的多了,不良率就自然下来了,这个没有太大的意义。”不能用不良率上升与下降来评判其资产质量好与坏。   财报数据还显示,中行三季度末拨备覆盖维持在155.83%水平,不过建行同期拨备覆盖率则已跌破监管红线,较上年末下降2.21个百分点,至148.78%。   对于中行资产质量,励雅敏指出,在不良生成持续放缓的情况下,公司降低了拨备计提力度以维持利润的平稳增长。三季度公司信贷成本是0.57%,环比下降84bps,同比下降16bps。受益于不良生成速度放缓,公司拨备覆盖率增至155.8%;拨贷比环比提高3bps至2.31%(集团口径)。当前,公司拨贷比低于监管红线,未来拨备计提压力仍存。   而对于建行拨备率跌出监管红线,廖志明则指出,事实上,今年半年报中,工行已经跌破150%监管下限。“应该和监管层提前商量了,有过沟通”,是可以容忍的。   廖志明认为,拨备覆盖率下降和资产风险上升没关系。拨备覆盖率下降,主要原因在于拨备提得少。“提得少,不能说他的资产质量变坏了,不能说更加恶化。”还要看利润表中一系列指标,需要进一步计算。   廖志明进一步指出,看资产质量,只要看不良生成的速度有多快就可以。对于未来的不良生成率走势,他认为,“宏观经济今年比去年会好一点,有企稳态势,不良生成也因此趋稳,但不能说资产质量就改善了。只能说不良生成企稳。明年怎么走,还是有赖于明年经济走势。整体看,不良生成只是企稳的态势,而不是明显改善。” 进入【新浪财经股吧】讨论相关的主题文章: