民生银行同业业务凶猛 不良率微升至0.76%

Minsheng bank trade business fierce defect rate edged to 0.76%

Minsheng bank recently released 2012 performance express showed that in 2012, the gross profit of 50.7 billion yuan, a year-on-year increase of 36.2%. Among them, the weighted average return on equity (ROE) was 25.24%, more than the same period last year increased by 1.29%.

Earlier, Shanghai pudong development, everbright, societe generale announced the results respectively, three joint-stock bank 2012 years to achieve net profit is respectively 34.161 billion, 23.622 billion and 34.708 billion yuan, growth rate reached 25.2%, 30.74% and 36.08% respectively.

By the end of 2012, minsheng bank assets totaled 3.21 trillion yuan, up 44% from a year earlier. From every quarter asset growth situation, increased respectively 188.2 billion, 176.8 billion, 215.5 billion and 400.4 billion yuan. Especially the four quarter increased 14.25% total assets link.

China merchants securities researcher XiaoLiJiang writing research report points out, minsheng bank four quarter net loan growth for 32 billion yuan, assets expansion mainly comes from the trade asset growth, especially the purchases of resale financial asset growth.

It is worth noting that minsheng bank four quarter advocate business wu income for 25.4 billion yuan, chain fell 2.98%, and the fourth quarter net profit chain fell 10.4%. Analysts believe that this is due to seasonal increase in costs, analysts say, is due to the rate loan interest margin narrow lead to, and the second is due to interest rate differentials low trade business accounted for by than ascension.

Minsheng bank performance express also shows that, by the end of 2012, the bank bad credit loans rose to 0.76%, more than the end of 2011 rose by 0.13%. By the end of the non-performing loan amount is 10.5 billion yuan, compared to last year at the end of the third quarter 9.7 billion yuan increased 8. By the end of 2011, the people's livelihood bank non-performing loans for 7.5 billion yuan, in 2012 total increased by 3 billion yuan of non-performing loans.

In contrast, the people's livelihood defect rate higher than the industry, Shanghai pudong development, everbright, industrial previously published 2012 defect rate were 0.58%, 0.7% and 0.43%.

Minsheng bank little micro loan quality is worrying factor, the small micro loans accounted for more than far above trade, and small micro loan interest rate rise mean to stay above 30%, high yield will face higher risk. By the end of 2012, the minsheng bank loan amount is 1.38 trillion yuan, including the end of 2012 small micro loan balance is 317 billion yuan, accounting for about 23% of the total loan proportion, four quarter small micro loan balance growth of more than 30 billion yuan.

Minsheng bank retail sales department general manager ZhaoZhiMin said, last year the small micro enterprise to bring the deposit and loan increment has incremental quite. In the small micro loan, scattered single model accounts for about 40% of the total loan, non-performing loans by more than 60% appear in bulk single loan, batch loan business in the defect rate of low.