More than half of ICBC's domestic customer deposits are current.
According to reports, the stability of ICBC's profit growth continued to increase, and the net interest margin was 2. 16%, which was 3 BP higher than that at the beginning of the year after deducting the factor of camp reform. The market competitiveness was further enhanced, and customer deposits increased by about 65,438+0.2 trillion yuan compared with the beginning of the year, an increase of 6.7%. It is the only financial institution with an increase of more than one trillion yuan, in which the average daily balance of domestic demand deposits accounts for 5 1.28%. The contribution of large retail business has increased significantly, playing the role of "ballast stone" and "stabilizer"; The net profit of overseas and holding institutions increased by 265,438+0.4% year-on-year, faster than the average level of the Group and China, and the proportion of the Group increased to 7.9%.
Nearly 40% of BOC's domestic loans are for individuals.
In the first half of the year, the credit business of China Bank maintained steady and moderate growth, and its structure continued to be optimized. At the end of June, domestic institutional loans increased by 46 16 billion yuan, or 5.9%, compared with the beginning of the year, of which the balance of personal loans accounted for 39.27%, up by 1 percentage point; The balance of loans in key areas such as Beijing-Tianjin-Hebei, Yangtze River Economic Belt and Pearl River Delta accounted for 60.43%, an increase of 0.29 percentage points over the beginning of the year.
China Bank makes full use of domestic and foreign markets and resources to continuously consolidate and expand its international advantages. Excluding the one-time income from the sale of Nanshang and Ji You, the pre-tax profit of overseas institutions in the first half of the year was 33.3 billion yuan, a year-on-year increase of 23.6%; Overseas deposits and loans increased by 7.2% and 65,438+00% respectively. The internationalization of RMB continues to lead the market, and the scale of cross-border RMB clearing and settlement continues to rank first in the world.
ICBC's personal loan NPL ratio is only 0.3 1%.
The mid-year report released yesterday showed that in the first half of this year, the asset quality of the two big banks showed a trend of stabilization and improvement.
ICBC actively improved the new mechanism of credit risk prevention and control under the new normal, and the main indicators were comprehensively improved. Among them, the NPL ratio 1.57% decreased by 0.05 percentage point compared with the beginning of the year, the loans overdue ratio decreased by 0.42 percentage point, the scissors difference decreased by 32% compared with the beginning of the year, the NPL decreased by11500 million yuan, the provision coverage ratio increased by 9. 12 percentage point compared with the beginning of the year, and the risk was offset.
ICBC said that risks in key areas of market concern such as real estate and overcapacity industries are controllable, and development loans are managed by "list system", with the NPL ratio decreasing by 0. 1 percentage point compared with the beginning of the year; The NPL ratio of individual housing loans remained at a low level of 0.3 1%, down 0.06 percentage points from the beginning of the year. Based on the principle of sustainable business and controllable risks, we will continue to provide financing support to steel and coal enterprises with advanced technology and equipment and competitive products and markets, and at the same time withdraw from financing enterprises with backward production capacity, zombie enterprises and enterprises in inferior industries in an orderly manner. The NPL ratio of five industries with serious overcapacity, such as steel, decreased by 0.2 1 percentage point compared with the beginning of the year.
CCB's personal mortgage balance increased by 9.5% in half a year.
The semi-annual report shows that in the first half of 20 17, CCB achieved excellent performance, achieving a net profit of139 billion yuan, up 3.8 1% year-on-year. Reportedly, CCB continues to maintain its leading position in the field of housing finance. At the end of June, the balance of individual housing loans was 3,926.2 billion yuan, an increase of 9.50% over the end of the previous year; Steadily promote the affordable housing loan business and support the housing demand of low-and middle-income residents.
The net interest yield of ABC decreased by 7 basis points year-on-year.
The mid-year report shows that in the first half of 20 17, ABC achieved a net profit of1086.7 million yuan, an increase of 36190,000 yuan, an increase of 3.4%. The announcement said that it was mainly due to the increase in net interest income and other non-interest income. In the first half of 20 17, the net interest rate of Agricultural Bank was 2.24%, down by 7 basis points year-on-year; The net profit margin was 2. 1 1%, down 5 basis points year-on-year. Net yield and net interest margin decreased year-on-year. According to the announcement, it is mainly due to the continuous impact of the separation of price and tax after the implementation of the reform of the camp from 2065,438 to May 2006 and the continuous interest rate reduction by the central bank from 2065,438 to May 2006.
The annual reports of the four major banks are all good.