Zhongxin Finance, March 31 (Shao Wanyun) Recently, major banks have successively disclosed annual reports and handed over transcripts.

Among the major banks, who is the most profitable?

Who has the most dividends?

ICBC continues to be the "Most Profitable" Bank

　　ICBC, known as "the first bank in the universe", continued to top the list.

　　The financial report shows that in 2021, ICBC will rank first in annual operating income, net profit, total assets, and customer deposits.

The annual operating income was 942.762 billion yuan, an increase of 6.8% over the previous year; the net profit was 350.2 billion yuan, an increase of 10.2% over the previous year; the asset scale was 35171.383 billion yuan, an increase of 5.5% over the end of the previous year; At the end of the previous year, it increased by 5.2%.

　　According to the annual report of ICBC, the group's average return on total assets and weighted average return on equity were higher than the previous year; the capital adequacy ratio was 18.02%.

The total number of individual customers exceeded 700 million, and the number of corporate customers reached 9.69 million.

　　Liao Lin, President of ICBC, said that this year, support for stable growth will be placed in a more prominent position. In accordance with the general idea of ​​prioritizing efforts, coordinated efforts, and precise efforts, the investment and financing will increase moderately in increments and the structure will be optimized in terms of total volume. , the structural adjustment of the stock, "We have the ability to play a greater role in helping to stabilize the macroeconomic market while continuing to benefit the real economy."

　　He explained that it is mainly to accurately serve the national strategy, strengthen support for key areas and weak links such as manufacturing, technological innovation, green development, and inclusiveness, and continue to do a good job in the joint construction of the "Belt and Road", high-quality development and high-level external Opening up, especially making good use of digital means, can better meet the needs of small and micro enterprises, individual industrial and commercial households, new agricultural business entities and new citizens, continuously improve service coverage, availability, and satisfaction, and fully support employment and people's livelihood. , to protect market players.

Non-performing loan ratios all fall

　　China-Singapore Finance found that in 2021, the non-performing loan ratios of various banks will drop from the previous year.

　　ICBC said that in 2021, it will carry out in-depth asset quality challenges, systematically investigate and control risks in key areas and key customers, and increase efforts to recover and dispose of non-performing loans.

The overdue rate, overdue amount and scissors gap continued to decline.

　　According to the annual report of the Agricultural Bank of China, in 2021, the Agricultural Bank of China will adhere to the general principle of seeking progress while maintaining stability, optimize the allocation of credit resources, strengthen risk management and control in key areas, and maintain stable asset quality.

The Bank strengthened the management of industry limits, strengthened the management and control of special-mentioned loans, and effectively prevented, resolved and disposed of potential risks.

　　At the same time, it will improve the online credit business operation mechanism, optimize the online business risk management process and policies, and strengthen the online loan risk control.

Actively promote the disposal of non-performing loans, based on independent disposal, dig deep into the collection resources, implement the disposal strategy of multiple collections, multiple write-offs, multiple restructuring, and prudent approval and forwarding, focus on the disposal of non-performing loans in key areas, and improve the ability to actively resolve risks.

China Merchants Bank dazzled with generous dividends

　　In an era when most companies expressed the amount of dividends as "dividends of XX yuan per 10 shares", China Merchants Bank's expression was relatively "domineering".

　　According to the annual report of China Merchants Bank, the cash dividend per share was 1.522 yuan (tax included).

In 2020, China Merchants Bank's distribution plan is 10 distributions of 12.53 yuan. Zhongxin Finance found that since 2013, the amount of China Merchants Bank's dividends has been increasing every year.

　　China Merchants Bank said that the banking industry is a typical cyclical industry, but it is currently in a critical period of structural change. For a long time in the future, structural factors will replace cyclical factors, and the banking industry will continue to face the trend of differentiation.

With the continuous adjustment of the economic structure and the continuous switching of old and new kinetic energy, the banking industry also needs to accelerate the pace of "capital-light" transformation and accelerate the reshaping of differentiated strategies, so as to effectively manage and control various risks in a more complex economic growth environment and achieve high Quality development.

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