新平安银行“综合金融”进入全面提速期

New pingan bank "integrated financial" into the overall acceleration period

Pingan bank annual report, as of late last year, the total assets of more than 1.6 trillion yuan, the year growth of 27.69%; Attributable to the parent company net profit of 13.403 billion yuan, up 30.39% from a year earlier. At the same time, the bank at the end of the non-performing loans totaled 6.866 billion yuan, defective rate 0.95%, rose 0.42% in the year.

After integration of new ping an bank, hand over to the industry's first annual report was surprised. Pingan bank last year net profit of 13.4 billion yuan, a year-on-year growth of 30.39%, and the non-performing loans is doubled, widely attention.

At the same time, the last trading day of the last weekend (8), ping an bank, led lower by banking sector, shares fell more than 5%, eventually fell 3.71%, closing at RMB 22.86. Ping an bank performance, make share price in market.

Market analysts said the peace have hand over the first annual report which appalled and shocked, also concerns the industry gradually released by other Banks' non-performing loans increased bad news will affect the market. Recent Chinese property market overheating, the risk in the too fast rising prices lead to bubble is hard to estimate, this will inevitably deepen banking risk, and affect the healthy development of real economy. The market analyst said, ping an bank is not the most, but bad loans doubled. Believe that this is not the case, this is a nots allow to ignore to the industry. Called on regulators wary about banking non-performing loans increased.

Risk is the result of four branches

The reporter learns from the just released report, ping an bank non-performing loans balance doubled to 6.866 billion yuan last year, the year an increase of 3.571 billion yuan; Defective rate 0.95%, rose 0.42% in the year, including small micro loan defective rate is 1.24%; Provision for coverage of 182.32%, down 320.66% compared with 320.66% last year, fell 43% year on year.

Pingan bank deputy governor Zhao Jichen said that last year the bank non-performing loans increased sharply due to Yangtze river delta region of the 4 branches in Shanghai, wenzhou, hangzhou, ningbo, all four branches of non-performing loans accounts for 88% of the incremental.

For how to strengthen the management of non-performing loans in the future, Zhao Jichen, according to ping an bank will be send force from three aspects. First of all, "in the new development of customers and business

Process, we have to ensure new business does not produce risk. "Said he, as a result, the bank on new customer development, formulated the unified access standards, improving customer quality, and put the management pattern of product oriented to customer oriented.

Second, strengthen the management of stock assets, "on the stock of customer classification management, diversity management, to ensure the stock of customer to develop in the direction of good, not to bad direction further." Stock of ping an bank loans for more than 7200 one hundred million yuan.

Third, establish professional team, strengthen the collection of bad assets, the key is the four branches of non-performing assets. "As long as the four branches under control, asset quality must be guaranteed." Zhao Jichen said.

The overall risk is controllable

Ping an bank, according to ping an bank asset quality remain stable. Although influenced by the external environment, such as domestic economic slowdown, Yangtze river delta regions such as the privately operated small and medium-sized enterprise management difficulties, debt paying ability drops, at the same time the bank east (Yangtze river delta region) loan proportion is bigger, lead to asset quality facing bigger pressure. But because of the new non-performing loans are mainly concentrated in jiangsu and zhejiang areas, such as wenzhou and most have collateral, the bank other area (south, west,

North branch credit asset quality remained stable, and the overall risk is manageable.

The final report, the bank non-performing loans totaled 6.866 billion yuan, the year an increase of 3.571 billion yuan, the year when the double; Defective rate 0.95%, rose 0.42% in the year; Excluding the wenzhou branch, the bank defective rate is 0.67%, is still relatively low. In addition, ping an bank in 2012

Recovery performance is good. Collect bad assets totaled 1.814 billion yuan, among them (principal) of the loan $1.626 billion of credit assets. Recover the amount of 93% for cash back, and the rest for the bonded way back.

Ping an bank also announced profit distribution plans. Is proposed for every 10 shares 6 sent $1.7 and send cash, broke the original SDB for many years the history of the "perfect".

Layout of the integrated financial safe and sound

At pingan bank results briefing, the new governor Shao Ping, led from minsheng bank kibaki dig Zhao Jichen, Sun Xianlang appeared a number of executives at the same time, the height of the media attention. Against "pingan bank has injected with minsheng gene" sensitive topics, such as in the focus of public opinion's new President Shao Ping that ping an bank will never follow in minsheng bank. At the same time, he denied that the minsheng bank 58 ex-soldiers money possibly to rumors, said so far, the people's livelihood to only three executives. Then revealed that this year's Christmas will from three aspects to control non-performing assets.

Shao Ping, according to ping an bank services to Ann group integrated financial strategy, is real

Line of professional, intensive and managing the whole function of commercial Banks. And organizational structure adjustment around the ping an bank, namely "the next three to five years of joint-stock Banks to enter the second echelon", "five to eight years in the first tier," after eight to ten years in retail is given priority to "three steps strategy goal for design.

Surrounding the comprehensive financial resources the pingan bank unique advantages, ping an bank is groped his way. "Peace group has more than 7000 retail customers, and nearly 4 million corporate clients, even if half bank customer, we can get into the premier league." Shao Ping, said the bank according to the current situation of customer structure, developed toward toward "give priority to, and retail, retail is given priority to"

The three-step strategy, and combining the macro economic development and the present situation, determine the market positioning and target customer base, promote the divisional system architecture design.

It was revealed that the bank will form during the first half of some customers division, industry division and product department and other departments, and make banking before the organic combination of the background. "Adjustment to make our entire organization easier to professional and intensive management, in order to improve the operational efficiency".

Ping an bank, he said, the location is different from the other joint-stock Banks, city firms on the market and the big Banks. Ping an's business model, target market, strategy and product certainly is not the same, peace will not copy any one.

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