After the net profit fell by 66% in the first half of the year, the capital increase scale of bank of changsha five eight 'shrunk' by nearly 70%, while the shareholding ratio of bank of changsha increased.
①Chang Silver Five Eight's registered capital has been increased to 1.124 billion yuan, with an additional registered capital of approximately 0.224 billion yuan, a decrease of 70% compared to the original plan; ②Net income of Chang Silver Five Eight in the first half of the year decreased by 66.37% year-on-year. After this round of capital increase, Changsha Bank's shareholding ratio increased to 65.66%, strengthening its controlling stake.
The capital replenishment pressure of small and medium-sized banks is increasing! Bank of Changsha plans to issue its first perpetual bond, and there is also a proposal for the issuance of 12 billion yuan worth of second perpetual bonds that is still pend
Bank of Changsha announced that it plans to issue 5 billion yuan perpetual bonds on September 23. At the same time, the bank is also planning to issue 8 billion yuan Tier 2 capital bonds and 4 billion yuan perpetual bonds. With the narrowing of net interest margin and the weakening of internal capital generation capacity, commercial banks as a whole are facing increased pressure to replenish capital, and the issuance and approval speed of subsequent perpetual bonds may further accelerate.
Wang Huili, Bank of Nanjing: City commercial banks need to focus on the construction of technology finance ecosystem, and provide services for the entire process, entire lifecycle, and entire range of products.
①The 'Five Major Articles' is a national strategy, and the active embrace and integration of the financial industry is a gradual process. ②Bank of Nanjing focuses on building an ecosystem. In addition to the advantages of the 2.0 version, it also plans to integrate upstream and downstream resources of technology-based enterprises to provide services for the entire process, lifecycle, and product.
Interest rate as low as 2.98%! Bank of Shanghai doubles subsidies for "trade-in" program, introducing exclusive consumer vouchers and interest rate coupons, covering key areas such as business districts and autos.
①Shanghai announced a major push to promote consumer trade-ins, with consumer subsidy funds of up to 4 billion yuan. ②Multiple financial institutions have launched consumer vouchers for trade-ins and consumer discounts on the basis of government subsidies.
Is the change in loan loss provision coverage ratio to adjust profits? How to control the widening of net interest margin decline and the cost of liabilities? Bank of Guiyang management faces investor scrutiny.
①Bank of Guiyang stated that it strictly follows the management procedures, regularly updates measurement parameters and recognizes asset impairments, complying with regulatory requirements. ②Continuing to adhere to the concept of coordinated development of "quantity and price", increasing low-cost fund inflows and fund deposits, continuously optimizing the deposit term structure, gradually restoring net interest margins. ③Will comprehensively consider investor demands and the operational needs of the bank, maintaining a sustainable and stable cash dividend ratio and frequency.
Bank of Chengdu's earnings conference: The non-performing loan ratio for personal housing loans has increased, and the impact of the LPR (Loan Prime Rate) cut has already been released. The net interest margin is stabilizing under certain conditions.
① In the first half of the year, the net interest margin decreased by 15 basis points compared to the previous year, mainly due to the continuous reduction of the LPR of previous loans and the bulk adjustment of interest rates for existing personal housing loans last year, which will continue to exert certain pressure on the quality of assets in the real estate sector in the future. ② In the long term, it can be determined that the net interest margin is stabilizing and has already met certain conditions.