China-Singapore Jingwei Client, April 30 (Feng Fang) On the evening of the 29th, as the Postal Savings Bank disclosed the first quarter report of 2021, the first quarter reports of the six major state-owned A-share banks were all released.

Data show that in the first quarter, the six major banks' operating income and net profit attributable to the parent (hereinafter referred to as "net profit") achieved positive growth.

The net profit of the six major banks in the first quarter totaled 331.842 billion yuan, with a daily profit of 3.687 billion yuan. The "Universe Bank" still ranked first in profitability.

The six major banks earned nearly 3.7 billion yuan a day in the first quarter

　　In the first quarter, the operating income of the six major banks totaled 948.695 billion yuan.

In terms of revenue scale, ICBC ranked first, achieving operating revenue of 234.191 billion yuan, a year-on-year increase of 3.18%; from the perspective of revenue growth, Postal Savings Bank ranked first, achieving operating revenue of 77.330 billion yuan, a year-on-year increase of 7.15%.

　　From the perspective of the net interest income of the main income structure, in the first quarter, ICBC had the highest net interest income, reaching 166.601 billion yuan, a year-on-year increase of 3.51%; Postal Savings Bank grew the fastest, with a net interest income of 66.014 billion yuan, a year-on-year increase of 5.77%.

In terms of profitability, the first quarter net profit of the six major banks totaled 331.842 billion yuan, with a daily profit of 3.687 billion yuan.

Among them, ICBC still ranked first in its profitability. In the first quarter, it achieved a net profit of 85.730 billion yuan, an increase of 1.46% year-on-year, and a daily profit of 953 million yuan.

In addition, Postal Savings Bank's net profit growth rate was the first, with a net profit of 21.201 billion yuan in the first quarter, a year-on-year increase of 5.51%.

　　In addition, the Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications achieved net profits of 65.861 billion yuan, 53.989 billion yuan, 83.115 billion yuan, and 21.946 billion yuan in the first quarter, representing a year-on-year increase of 2.61%, 2.67%, 2.80%, and 2.31% respectively. .

　　In terms of deposit absorption, at the end of the reporting period, ICBC had the most customer deposits and Bank of Communications the least. The six major banks’ customer deposits from highest to lowest were: ICBC 25.94 trillion yuan, China Construction Bank 22.13 trillion yuan, Agricultural Bank 21.85 trillion yuan, The Bank of China 17.91 trillion yuan, the Postal Savings Bank of 10.82 trillion yuan, and the Bank of Communications 6.92 trillion yuan.

　　It is worth noting that in the quarterly report of the six major banks, the Agricultural Bank of China and the Postal Savings Bank of China discussed cash dividends.

The Agricultural Bank of China stated that on March 11, 2021, it will distribute cash dividends to all shareholders of "Agricultural Bank You 2" (stock code 360009) registered after the market close on March 10, 2021, calculated at a coupon rate of 4.84%, per share The preferred stocks distributed cash dividends of 4.84 yuan (tax included), totaling 1.936 billion yuan (tax included).

　　The Postal Savings Bank of China stated that in 2020, it intends to distribute cash dividends to all ordinary shareholders registered on the equity registration date, with a distribution of 2.085 yuan (tax included) for every 10 ordinary shares, calculated on the basis of the total ordinary shares of the bank at the end of the reporting period of 92,383,967,605, in total 19.262 billion yuan (including tax), accounting for 30% of the net profit attributable to bank shareholders under the scope of the 2020 consolidated statement.

The above plan will not be implemented until the 2020 annual general meeting of shareholders is approved.

Many banks have declined non-performing loan rates

　　In terms of asset scale, at the end of the reporting period, ICBC had the largest total assets of 34.37 trillion yuan, an increase of 3.07% over the end of the previous year; Bank of China grew the fastest, with total assets of 25.83 trillion yuan, an increase of 5.87%.

In addition, the total assets of China Construction Bank were 29.38 trillion yuan, an increase of 4.43%; the total assets of Agricultural Bank were 28.55 trillion yuan, an increase of 4.93%; the total assets of Postal Savings Bank were 11.96 trillion yuan, an increase of 5.36%; the total assets of Bank of Communications were 11.17 trillion yuan. , An increase of 4.45%.

　　In terms of asset quality, the non-performing loan ratios of Industrial and Commercial Bank of China and China Construction Bank remained the same as at the end of the previous year, while the non-performing loan ratios of the remaining four banks declined.

In addition, the Postal Savings Bank of China is the only bank with a non-performing loan ratio of less than 1%.

Specifically, ICBC’s NPL ratio is 1.58%, Agricultural Bank’s NPL ratio is 1.53%, Bank of China’s NPL ratio is 1.30%, China Construction Bank’s NPL ratio is 1.56%, the Bank of Communications’ NPL ratio is 1.64%, and PSBC’s NPL ratio is 1.64%. 0.86%.

　　From the perspective of provision coverage ratio and capital adequacy ratio, Postal Savings Bank of China has the highest provision coverage ratio of 416.98%; Bank of Communications has the lowest provision coverage ratio of 143.42%.

The ICBC’s capital adequacy ratio was the highest at 17.01%; the Postal Savings Bank of China had the lowest capital adequacy ratio, at 14.54%.

(Zhongxin Jingwei APP)

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