1. On August 30th this year, Zheshang Bank released the 202 1 semi-annual report. The report shows that in the first half of this year, the bank's operating income was 25.903 billion yuan, a year-on-year increase of 3.02%; The net profit attributable to bank shareholders was 6.8565438 billion yuan, up 1. 12% year-on-year. By the end of June this year, the bank's total assets were 2 15 trillion yuan, an increase of 5. 18% over the end of last year. The NPL ratio was 1.50%, the provision coverage ratio was 180.24%, and the capital adequacy ratio was 12.42%.
2. At present, under the guidance of the overall goal of "two best", Zheshang Bank has fully implemented the platform service strategy and actively laid out five business segments, such as "big retail, big company, big asset management and big investment bank". Carry out "great cross-border" around the main business of "expanding scale, adjusting structure, controlling risks and creating benefits" to help the high-quality development of the real economy. A number of performance indicators in this semi-annual report show that the development trend of "increasing per mu yield" and "expanding cultivated land area" has begun to appear. By the end of June, the total assets of Zheshang Bank was 2 15 trillion yuan, standing at the 2 trillion mark. With the continuous adjustment of banking business structure, its asset-liability structure is also more optimized.
3. On the asset side, Zheshang Bank actively responded to the policy call and served the real economy customers. Credit supply has increased steadily. The total amount of loans and advances was 1.27 trillion yuan, up 6.22% from the beginning of the year, and its proportion in total assets continued to increase by 0.6 percentage point from the beginning of the year, reaching 59. 1%, which was higher than the average level of joint-stock commercial banks at the beginning of the year.
4. On the debt side, by enriching the types of deposit products, the service capacity was improved, the basic customer base was continuously consolidated, and the debt structure was optimized. The proportion of all kinds of deposits in liabilities continues to increase. At the end of the reporting period, the bank's total liabilities were 2.02 trillion yuan, of which the balance of deposits absorbed was 1.37 trillion yuan, an increase of 2.37% compared with the end of last year, accounting for 67.7% of the total liabilities, which was also in the forefront of joint-stock commercial banks. At present, the bank has been working hard in wealth management, constantly strengthening the characteristics of platform acquisition, online operation and intelligent risk control, and actively promoting the rapid growth of private banking, fund agency and other businesses through organic linkage between industries. In the first half of the year, the bank's non-monetary fund consignment business increased by 65,438+048.49% year-on-year, and the agency commission business increased by 65,438+043.0438+0% year-on-year. The agency business will gradually become one of the important sources of intermediary business income of banks in the future.