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China Merchants Bank small business lending exposures, NPL ratio exceeds 1%

A few days ago, China Merchants Bank releases 2014 three quarterly reports, as at the end of the third quarter, China Merchants Bank had total assets of 4.72 trillion, down 310.474 billion in the second quarter. Worth noting is that the reporting period, Bank bad loan rate above 1%, 1.1%, bad loans earlier than an increase of nearly 50%.
the first half of the total assets of China Merchants Bank added 1.02 trillion, surpassed 5 trillion, out of market expectation, but the speed in the third quarter did not continue. As at the end of the third quarter, China Merchants Bank had total assets of 4.72 trillion, down 310.474 billion in the second quarter.
, liability side mainly in the decline of deposits. As at the end of the third quarter, China Merchants Bank deposits totaled 3.27 trillion, representing an increase of 2.78 trillion at the beginning of the 490.244 billion, but compared with 3.42 trillion at the end of the second quarter showed a decrease of 155.228 billion. This makes the loan increased by 3.9pc to 73%.
Note is, the listed banks face deteriorating asset quality problems, a number of banks bad "double-up" the situation. Among them, China Merchants Bank as amount of bad loans at the end of the third quarter was 26.923 billion early this year, increasing 8.591 billion, growing at 46.9%; bad loan rate above 1%, up to 1.1%, up 0.27% than the beginning. Review results in recent years, China Merchants Bank 2012 bad loan rate of 0.61%, the first half of 2013, 2014 0.83% 0.98%, show increasing trend.
, according to China economic net reporter, as at the end of the third quarter, China Merchants Bank bad loan provisions of 227.99% coverage of early this year, down 38.01%; loan loss provision ratio was 2.51%, up 0.29% than the beginning, just meeting the CBRC "not less than 2.5%" assessment requirements.
, analysts say, for a long time in the future, commercial banks ' bad loans, "double up" trend of hard, pressure on asset quality. Several commercial banks increase bad loan write-off and release provisions next may further releases of listed banks set aside to deal with the pressure of bad loans.
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