Commercial bank performance growth deceleration due to interest margin downward and asset quality pr-diqua

The performance of commercial banks because of a slowdown in growth and spreads downward pressure on asset quality of commercial banks sustained growth performance "slowdown" in 2015 slowed to 2.43%, the main reason is the interest rate differential and downward pressure on asset quality, reporter Zhou Pengfeng, editor of Sun Zhong’s 2015 performance of commercial banks continued to slow as expected. CBRC’s main regulatory indicators disclosed yesterday showed that in 2015, commercial banks accumulated net profit of 15926 yuan, an increase of 2.43%. Scale growth is still an important factor to maintain the growth of bank performance, interest rate down and asset quality pressure is considered to be the main reason for dragging down the performance of commercial banks in 2015, and these two negative factors will continue to plague the banking industry in 2016. In 2015, the growth of commercial banks’ performance decreased significantly compared with 2014, and the commercial banks’ performance increased by 9.65% in 2014. It is worth mentioning that the 16 listed banks in 2015 the average performance increase and the performance of commercial banks may be lower than the overall increase, Shenwan Hong a report released in February this year at the beginning of the expected performance of listed banks in 2015 year-on-year growth of only 1.8%. The growth of commercial banks depends on the growth of scale. CBRC disclosed data show that in the fourth quarter of 2015, China’s banking financial institutions, domestic and foreign assets of foreign currency amounted to 199 trillion and 300 billion yuan, an increase of 15.7%. Specific to the listed banks, Shen Hong Yuan is expected to grow in scale, contributed to 2015 net profit growth of 9.7%. As for the factors of low performance increase, Ping An Securities that spreads and asset quality pressures are commercial banks net profit growth of next step, and that the negative impact of these two factors in 2016 will continue to expect the industry overall net profit growth will gradually close to 0 growth. Two negative factors on the impact of performance growth should not be underestimated. Specific to the listed bank, Shenwan Hong expected spreads continue to narrow the profit growth of listed banks contributed to a negative growth of 6%; at the same time, the macroeconomic situation under the pressure of the risk of accelerated exposure, bad double up, bank provision intensified, with a negative net profit growth of 11%. According to the CBRC disclosure, as of the end of 2015, commercial banks non-performing loan ratio of 1.67%, up 8 basis points from the third quarter; and at the same time, the provision coverage ratio was 181.18%, the third quarter decreased by 9.62%; the allowance for loan rate of 3.03%, the third quarter was essentially flat. At present, the overall risk offset ability to maintain banking stability. But the classification situation, the pressure has appeared, the big end of the fourth quarter of 2015 the provision coverage ratio was 172%, the lowest for the banking financial institutions, Ping An Securities pointed out that some rows provision coverage ratio has been close to 150% of the regulatory red line, the future is facing greater provision of pressure. It is worth mentioning that yesterday, it was reported that the State Council is considering reducing the provision for bad debt coverage, and some large banks have used 120% coverage to make the 2016 budget, the news, the current official view

商业银行业绩增长减速 因息差下行和资产质量压力   商业银行业绩增长持续“减速”   2015年放缓至2.43%,主因是息差下行和资产质量压力   ⊙记者 周鹏峰 ○编辑 孙忠   2015年商业银行业绩如预料继续放缓。银监会昨日披露的主要监管指标显示,2015年商业银行累计实现净利润15926亿元,同比增长2.43%。规模增长仍是银行业绩维持增长的重要因素,息差下行和资产质量压力则被认为是拖累2015年商业银行业绩的主要原因,2016年这两大负面因素也将继续困扰银行业。   2015年商业银行业绩增速相对2014年有较大回落,2014年商业银行业绩同比增长9.65%。值得一提的是,16家上市银行2015年平均业绩增幅还有可能低于商业银行业绩整体增幅,申万宏源在今年2月初发布的一份报告中预计上市银行2015年业绩同比增长仅有1.8%。   商业银行业绩维持增长的一大重要因素还是要归功于规模的增长。银监会披露的数据显示,2015年四季度末,我国银行业金融机构境内外本外币资产总额为199.3万亿元,同比增长15.7%。具体到上市银行,申万宏源预计规模增长贡献2015年全年净利润增长9.7%。   至于拉低业绩增幅的因素,平安证券认为,息差和资产质量压力是商业银行净利润增速再下台阶的原因,并认为2016年以上两方面因素的负面影响仍将持续,预计行业整体净利润增速将逐步逼近0增长。   两大负面因素对业绩增速的影响不可小觑。具体到上市银行,申万宏源预计息差继续收窄对上市银行利润增长贡献为负增长6%;与之同时,宏观经济形势压力下风险加速暴露,不良双升,银行拨备计提力度加大,贡献净利润负增长11%。   据银监会披露,截至2015年末,商业银行不良贷款率1.67%,环比第三季度上升8个基点;与之同时,拨备覆盖率为181.18%,环比第三季度则下降9.62%;贷款拨备率为3.03%,环比第三季度基本持平。   目前来看,银行业整体风险抵补能力保持稳定。不过分类情况来看,压力已经显现,其中大行2015年第四季度末的拨备覆盖率为172%,为银行类金融机构中最低,平安证券指出,部分大行拨备覆盖率已逼近150%的监管红线,未来面临较大拨备计提压力。值得一提的是,昨日有报道称,国务院正在考虑降低银行坏账拨备覆盖率,且有些大型银行已经用120%的覆盖率来做2016年预算,对这一消息,目前官方未给予证实。   关于息差,2015年四季度商业银行短期有所企稳,全年净息差2.54%,环比三季度上升1个基点,同比下降16个基点,平安证券认为四季度资金面较为宽松的环境带动同业市场利差扩大对息差形成正面改善。但考虑到贷款重定价因素以及资金利率有限的下行幅度,认为2016年息差仍将较2015年有明显下降,幅度在15-20个基点左右。申万宏源也认为,降息周期下,随着2016年一季度大量贷款的重定价,预计一季度息差会面临台阶式下降。   相对乐观的指标是,目前商业银行资本充足率继续上升。2015年四季度末,商业银行(不含外国银行分行)加权平均核心一级资本充足率为10.91%,较上季末提高0.25个百分点;加权平均一级资本充足率为11.31%,较上季末提高0.32个百分点;加权平均资本充足率为13.45%,较上季末提高0.30个百分点。 进入【新浪财经股吧】讨论相关的主题文章: