The six major banks have the highest net profit attributable to the parent of 851.1 billion in the first three quarters. Bank of Communications has the highest NPL rate

　　China Economic Net, Beijing, November 4 (Reporter Hua Qingjian) Recently, the three quarterly reports of A-share listed banks have all been disclosed.

Among them, the six major state-owned banks achieved net profit attributable to shareholders of the parent company of 851.109 billion yuan in the first three quarters, a year-on-year decrease of 8.6%.

From the perspective of the third quarter alone, the decline in net profit attributable to shareholders of the parent company of the six major banks narrowed, and they all rebounded significantly from the indicators in the first half of the year.

Among them, Postal Savings Bank of China has achieved positive growth in the third quarter, with a year-on-year increase of 13.48% in net profit attributable to the parent.

　　Except for Bank of Communications, the decline in net profit attributable to shareholders of the parent company of the other five major state-owned banks all fell to less than 10%.

In the first three quarters of this year, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, Construction Bank, Bank of Communications, and Postal Savings Bank of China achieved operating income of 665.693 billion yuan, 498.244 billion yuan, 428.956 billion yuan, 571.435 billion yuan, 185.394 billion yuan, and 216.263 billion yuan. Yuan, a year-on-year increase of 2.90%, 4.90%, 3.03%, 5.89%, 5.16%, 2.80%; net profits attributable to shareholders of the parent company were 228.675 billion yuan, 165.335 billion yuan, 145.711 billion yuan, 205.832 billion yuan, and 52.712 billion yuan. RMB 52.844 billion, year-on-year growth rates were -9.15%, -8.49%, -8.69%, -8.66%, -1.236%, -2.66%.

　　As of the end of the third quarter, among the six largest state-owned banks, Postal Savings Bank of China had the lowest non-performing loan rate, and Bank of Communications had the highest rate.

As of the end of the third quarter of this year, the non-performing loan ratios of Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, Construction Bank, Bank of Communications, and Postal Savings Bank of China were 1.55%, 1.52%, 1.48%, 1.53%, 1.67%, and 0.88% respectively.

　　In the first three quarters of this year, ICBC’s asset impairment losses were 179.73 billion yuan, a year-on-year increase of 30.47%, mainly due to the increase in loan impairment provisions corresponding to changes in credit asset quality; the Agricultural Bank’s credit impairment losses were 139.072 billion yuan, a year-on-year increase An increase of 33.51%; Bank of China credit impairment loss was 96.845 billion yuan, a year-on-year increase of 59.27%; China Construction Bank credit impairment loss was 161.315 billion yuan, a year-on-year increase of 46.73%; Bank of Communications credit impairment loss was 51.914 billion yuan, a year-on-year increase of 40.52%.

The credit impairment loss of Postal Savings Bank of China was 40.565 billion yuan, an increase of 1.77% year-on-year.

Industrial and Commercial Bank of China: The net profit attributable to the parent in the first three quarters was

　　In the first three quarters of this year, ICBC achieved operating income of 665.693 billion yuan, a year-on-year increase of 2.90%; net profit attributable to shareholders of the parent company was 228.675 billion yuan, a year-on-year decrease of 9.15%.

　　As of September 30, 2020, the total assets of ICBC were 33,471.851 billion yuan, an increase of 3,362,415 million yuan or 11.17% from the end of the previous year.

The total amount of customer loans and advances (excluding accrued interest) was RMB 18,443.307 billion, an increase of RMB 1,681,988 million, an increase of 10.03%. Among them, RMB loans from domestic branches increased by RMB 1,581,803 million, an increase of 10.60%.

　　As of September 30, 2020, ICBC’s total liabilities were RMB 30,649.771 billion, an increase of RMB 3.232.338 billion or 11.79% over the end of the previous year.

Customer deposits amounted to RMB 25,585,348 million, an increase of RMB 2,607,693 million, or 11.35%.

From a structural point of view, time deposits were 12,767,470 million yuan, demand deposits, 12,288,136 million yuan, other deposits, 280.315 billion yuan, and accrued interest was 249,427 million yuan.

　　As of the end of the third quarter, according to the five-level classification of loan quality, ICBC’s non-performing loan balance was 285.461 billion yuan, an increase of 45.274 billion yuan over the end of the previous year, and the non-performing loan ratio was 1.55%, an increase of 0.12 percentage points.

The provision coverage ratio was 190.19%, a decrease of 9.13 percentage points.

The core tier 1 capital adequacy ratio was 12.84%, the tier 1 capital adequacy ratio was 13.94%, and the capital adequacy ratio was 16.47%, all meeting regulatory requirements.

　　In the first three quarters, ICBC’s asset impairment losses were 179.730 billion yuan, a year-on-year increase of 30.47%.

According to changes in the quality of credit assets, the corresponding provision for loan impairment increases.

Agricultural Bank of China: The net profit attributable to the parent in the first three quarters was

　　In the first three quarters, the Agricultural Bank achieved operating income of 498.244 billion yuan, a year-on-year increase of 4.90%; net profit attributable to shareholders of the parent company was 165.335 billion yuan, a year-on-year decrease of 8.49%.

　　As of September 30, 2020, the total assets of the Agricultural Bank were 27,296,753 million yuan, an increase of 2,418,465 million yuan or 9.72% over the end of the previous year.

The total amount of loans and advances granted was 14.973207 billion yuan, an increase of 1,613.019 billion yuan or 12.07% from the end of the previous year.

The total amount of loans and advances (excluding accrued interest) is divided by business type, with corporate loans of RMB 8,089,857 million, personal loans of RMB 6,667,046 million, discounted bills of RMB 318,868, and overseas and other loans of RMB 453,160.

The net investment was RMB 8,052.148 billion, an increase of RMB 629.218 billion or 8.48% over the end of the previous year.

　　As of September 30, 2020, the total liabilities of the Agricultural Bank were 25,132.374 billion yuan, an increase of 2,213,848 million yuan or 9.66% over the end of the previous year.

Deposits received were 20,780,341 million yuan, an increase of 1,931,186 million yuan or 10.25% over the end of the previous year.

Deposits received (excluding accrued interest) are divided by maturity structure, time deposits are 8.871.866 billion yuan, demand deposits are 11.143098 billion yuan, other deposits are 519.086 billion yuan; by business type, corporate deposits are 7.949248 billion yuan, personal deposits are 12,065.716 billion yuan, and others Deposits of 519.086 billion yuan.

　　As of September 30, 2020, the agricultural bank's non-performing loan balance was 226.213 billion yuan, an increase of 39.003 billion yuan from the end of the previous year; the non-performing loan ratio was 1.52%, an increase of 0.12 percentage points from the end of the previous year.

The provision coverage ratio was 272.44%, down 16.31 percentage points from the end of the previous year.

The capital adequacy ratio was 16.54%, the Tier 1 capital adequacy ratio was 12.76%, and the core Tier 1 capital adequacy ratio was 10.85%.

　　In the first three quarters, the Agricultural Bank’s credit impairment loss was 139.072 billion yuan, an increase of 34.909 billion yuan year-on-year, of which loan impairment losses were 118.95 billion yuan.

Bank of China: The net profit attributable to the parent in the first three quarters was

　　In the first three quarters of 2020, Bank of China achieved operating income of 428.956 billion yuan, a year-on-year increase of 3.03%; net profit attributable to owners of the parent company was 145.711 billion yuan, a year-on-year decrease of 8.69%.

　　At the end of September, the total assets of Bank of China were 24,703,889 million yuan, an increase of 1,934,145 million yuan or 8.49% over the end of the previous year.

The total liabilities amounted to RMB 22,597.96 billion, an increase of RMB 1,804.948 billion or 8.68% over the end of the previous year.

　　Among them, the total customer deposits amounted to RMB 17,384,491 million, an increase of RMB 1,567,443 million or 9.91% over the end of the previous year.

Among them, RMB customer deposits from institutions in Mainland China amounted to RMB 12,738.608 billion, an increase of RMB 986.927 billion or 8.40% over the end of the previous year.

　　The total amount of customer loans was RMB14,307,435 million, an increase of RMB1.238665 billion or 9.48% over the end of the previous year.

Among them, RMB loans from institutions in Mainland China amounted to RMB 10,977,598 million, an increase of RMB 912.366 billion or 9.06% over the end of the previous year.

　　The total financial investment was 5,369,308 million yuan, a decrease of 144.754 billion yuan or 2.63% from the end of the previous year.

Among them, RMB investment was 4,203.241 billion yuan, a decrease of 23.143 billion yuan or 0.55% from the end of the previous year; foreign currency investment was equivalent to US$171.226 billion, a decrease of 13.356 billion US dollars or 7.24% from the end of the previous year.

　　As of September 30, 2020, the Bank of China’s total non-performing loans was 211.427 billion yuan, with a non-performing loan ratio of 1.48%, an increase of 0.11 percentage points from the end of the previous year, and a non-performing loan provision coverage ratio of 177.46%, a decrease of 5.40 percentage points from the end of the previous year.

The core Tier 1 capital adequacy ratio was 10.87%, the Tier 1 capital adequacy ratio was 12.64%, and the capital adequacy ratio was 15.69%.

　　In the first three quarters, Bank of China’s asset impairment losses were 96.903 billion yuan, an increase of 36.056 billion yuan or 59.26% year-on-year.

China Construction Bank: The net profit attributable to the parent in the first three quarters was

　　From January to September this year, China Construction Bank achieved operating income of 571.435 billion yuan, a year-on-year increase of 5.89%; net profit attributable to shareholders of the bank was 205.832 billion yuan, a year-on-year decrease of 8.66%, mainly due to a significant increase in impairment losses.

　　In the first three quarters, China Construction Bank's impairment loss was 161.763 billion yuan, an increase of 51.567 billion yuan or 46.80% over the same period last year.

Among them, credit impairment losses were 161.315 billion yuan, which increased by 46.73% over the same period last year due to factors such as the epidemic and the increase in loan scale.

　　On September 30, 2020, CCB’s assets were RMB 28,298.121 billion, an increase of RMB 2,861.86 billion or 11.25% from the end of the previous year; liabilities were RMB 25,952.251 billion, an increase of RMB 2,751.117 billion or 11.86% from the end of the previous year.

　　Among them, the total amount of loans and advances issued was RMB 16,711,368 million, an increase of RMB 1,688,543 million or 11.24% from the end of the previous year.

Among them, corporate loans were RMB 9,228.790 billion, personal loans were RMB 7,171.245 billion, discounted bills were RMB 260.90 billion, and accrued interest was RMB 50.433 billion.

Financial investment was 7,056,740 million yuan, an increase of 834.499 billion yuan or 13.58% from the end of the previous year.

　　Deposits received were 20,941.183 billion yuan, an increase of 2,574,890 million yuan or 14.02% from the end of the previous year.

Among them, time deposits were 9,525,339 million yuan, demand deposits were 11,162,055 million yuan; corporate deposits were 10,306,055 million yuan, personal deposits were 10,381,341 million yuan, and accrued interest was 253,787 million yuan.

　　As of September 30, 2020, according to the five-tier classification of loans, China Construction Bank's non-performing loans amounted to 255.528 billion yuan, an increase of 43.055 billion yuan from the end of the previous year.

The non-performing loan ratio was 1.53%, an increase of 0.11 percentage points from the end of the previous year.

The provision coverage ratio was 217.51%, a decrease of 10.18 percentage points from the end of the previous year.

The capital adequacy ratio was 16.88%, the Tier 1 capital adequacy ratio was 13.86%, and the core Tier 1 capital adequacy ratio was 13.15%, all meeting regulatory requirements.

Bank of Communications: The net profit attributable to the parent in the first three quarters was RMB

　　From January to September this year, Bank of Communications achieved operating income of 185.394 billion yuan, a year-on-year increase of 5.16%; realized net profit (attributable to shareholders of the parent company) of 52.712 billion yuan, a year-on-year decrease of 12.36%.

　　In the first three quarters, Bank of Communications’ credit impairment losses amounted to 51.914 billion yuan, an increase of 14.969 billion yuan or 40.52% year-on-year.

　　As of September 30, 2020, Bank of Communications’ total assets were RMB 10,795.571 billion, an increase of 8.98% from the end of the previous year; total liabilities were RMB 9,958,894 million, an increase of 9.38% from the end of the previous year.

　　At the end of the reporting period, the Bank of Communications' customer loan balance was 5,816,696 million yuan, an increase of 512,421 million yuan or 9.66% from the end of the previous year.

Among them, the balance of corporate loans was 3,907,881 million yuan, an increase of 358.371 billion yuan from the end of the previous year, an increase of 10.10%; the balance of personal loans was 1,908.815 billion yuan, an increase of 154,050 million yuan, or 8.78%, from the end of the previous year.

　　At the end of the reporting period, Bank of Communications' customer deposit balance was RMB 6,541.59 billion, an increase of RMB 536.523 billion or 8.93% from the end of the previous year.

Among them, corporate deposits accounted for 67.40%, an increase of 0.26 percentage points from the end of the previous year; personal deposits accounted for 32.57%, a decrease of 0.23 percentage points from the end of the previous year.

Demand deposits accounted for 42.52%, a decrease of 0.75 percentage points from the end of the previous year; time deposits accounted for 57.45%, an increase of 0.78 percentage points from the end of the previous year.

　　At the end of the reporting period, the Bank of Communications' net financial investment was RMB 3,280,605 million, an increase of RMB 274.762 billion or 9.14% from the end of the previous year.

　　As of September 30, 2020, the Bank of Communications' non-performing loan balance was 97.014 billion yuan, an increase of 18.971 billion yuan from the end of the previous year, an increase of 24.31%; the non-performing loan ratio was 1.67%, an increase of 0.20 percentage points from the end of the previous year; the provision coverage ratio was 150.81%. A decrease of 20.96 percentage points from the end of the previous year; the provision ratio was 2.52%, a decrease of 0.01 percentage points from the end of the previous year.

The capital adequacy ratio was 14.47%, the Tier 1 capital adequacy ratio was 12.13%, and the core Tier 1 capital adequacy ratio was 10.41%, all meeting regulatory requirements.

Postal Savings Bank: The net profit attributable to the parent in the first three quarters was

　　From January to September this year, Postal Savings Bank achieved operating income of 216.263 billion yuan, a year-on-year increase of 2.80%; net profit attributable to bank shareholders was 52.844 billion yuan, a year-on-year decrease of 2.66%.

　　As of the end of the third quarter, the total assets of Postal Savings Bank of China were RMB 11,133,942 million, an increase of RMB 917.236 billion or 8.98% from the end of the previous year.

The total amount of loans and advances issued was RMB 5,652,101 million, an increase of RMB 677.915 billion or 13.63% from the end of the previous year.

Among them, corporate loans were RMB 1,919,447 million, personal loans were RMB 3,193,996 million, and discounted bills were RMB 466,658 million.

　　As of the end of the third quarter, the total liabilities of Postal Savings Bank of China were 10.4757 trillion yuan, an increase of 803.873 billion yuan or 8.31% from the end of the previous year.

Deposits received were RMB 10,006,331 million, an increase of RMB 692.265 billion or 7.43% from the end of the previous year.

Among them, corporate deposits were RMB 1,252,508 million and personal deposits were RMB 8,751.05 billion.

　　As of September 30, 2020, according to the five-level classification of loan quality, PSBC’s non-performing loan balance was 49.762 billion yuan, the non-performing loan ratio was 0.88%, and the provision coverage ratio was 403.21%.

The core tier 1 capital adequacy ratio was 9.51%, the tier 1 capital adequacy ratio was 11.81%, and the capital adequacy ratio was 13.86%, all meeting regulatory requirements.

Attachment:

Data from the three quarterly reports of the