The five lines in the first three quarter net profit of 758 billion 200 million shares have been certified gold holdings company (original title: five before the three quarter net profit of 758 billion 200 million shares have been certified gold company slight reduction) the five major state-owned banks this year before the three quarter results and not much difference between market expectations. According Zhengbao reporter statistics, five state-owned banks in the first three quarters of the total net profit attributable to shareholders of the parent company 758 billion 188 million, an increase of 1.07%. However, fine indexes mixed, such as CCB’s bad mom double down, but the provision coverage rate for the first time below 150% of the regulatory red line; for the provision of coverage for three quarters fell below 150%. In addition, gold card company is still the most active of the top ten shareholders, the three quarter of the five lines were without exception, its slight reduction. After the brokerage expects three quarter line net profit growth in the range of 0-1%, the expected and five lines of three quarterly data show not much difference between. The employment performance increase, the five lines in the first place is the Bank of China, an increase of 2.48% in the end of the performance, ICBC, ICBC is only 0.46%, but still maintain a net profit of 222 billion 792 million yuan for the first position. For the banks, provision coverage is one can adjust the profit index, banks are in good to improve the provision coverage, and down. Zhengbao according to the reporter, if the index continued for half a year is lower than the regulatory requirements, may affect the bank under the supervision of the score. Earlier media reports have a big line so the central bank points. Three of the Quarterly Bulletin shows that the bank provision coverage has continued for three quarters of less than 150%, the end of the three quarter to 136.14%. At the same time, the bank provision coverage for the first time fell below the red line to 148.78%, the Bank of China at the end of the first quarter has fallen below 150%, but the end of the first half again rose to more than 150% at the end of the three quarter, the provision coverage ratio was 155.83%. Good signs, signs of improvement compared to the end of the first half of non-performing bank is relatively more obvious. But there are also the differentiation between different banks. The CCB’s bad mom double down, in bad cycle of commercial banks increased particularly rare, to the end of the reporting period, the balance of CCB’s non-performing loans decreased by 181 billion 949 million yuan at the end of the first half to 179 billion 727 million yuan, NPL ratio fell 0.07 percentage points from the end of the first half to 1.56% over the same period, the bank NPL ratio fell 0.01 percentage points to 2.39%, but non-performing loans rise, ICBC, Bank of China is bad double-L. For a slight improvement in the quality of bank assets many brokers had been expected, Ping An Securities previously expected, the three quarter of the bank asset quality pressures slightly improvement to the cost of credit growth weakened makes provision for a negative impact on the profit margin improvement, downward growth of net profit to mitigate the effect. It is worth mentioning that a big credit for poor performance is due to the overall stabilization of the disposal of non-performing speeding up, such as 2016 years ago, the third quarter of total bank non-performing assets of 875 billion yuan, up by more than 166 billion to resolve. The net interest margin narrowed in the last. Ping An Securities had expected three quarter scale growth and spreads continued downward on the bank’s revenue growth will result in greater pressure, the three quarter effect of repricing loans will further eliminate, this will make the silver.

五大行前三季净赚7582亿 股份均遭证金公司减持(原标题:五大行前三季净赚7582亿 股份均遭证金公司微幅减持)五大国有银行今年前三季度业绩与市场预期相差无几。据上证报记者统计,五大国有银行前三季度共实现归属于母公司股东净利润7581.88亿,同比增幅1.07%。不过,细项指标有喜有忧,比如建行不良环比实现双降,但拨备覆盖率首度跌破了150%的监管红线;工行拨备覆盖率则持续三个季度跌破150%。另外,证金公司仍然是最活跃的前十大股东,三季度五大行无一例外均遭其微幅减持。此前有券商预计,前三季度大行净利润增速在0-1%区间,这一预期与五大行三季报体现的数据相差无几。就业绩增幅而言,五大行居首位的是中行,同比业绩增幅2.48%,居末位的为工行,仅有0.46%,不过工行仍然维持了净利润第一的位置,为2227.92亿元。对银行来说,拨备覆盖率是一个可以调节利润的指标,银行通常在丰年提高拨备覆盖率,反之下调。据上证报记者了解,如果这一指标持续半年低于监管要求,会影响银行在监管的评分。此前已有媒体报道某大行因此被央行扣分。三季报显示,工行拨备覆盖率已持续三个季度低于150%,三季度末低至136.14%。同期,建行拨备覆盖率也首度跌破红线至148.78%,中行一季度末也曾跌破过150%,但半年末再度回升至150%以上,三季度末拨备覆盖率为155.83%。向好的迹象是,银行不良改善的迹象相较半年末相对更明显。不过不同银行间也存在分化。其中建行不良环比实现双降,在商业银行不良上升周期尤显难得,至报告期末,建行不良贷款余额由半年末的1819.49亿元下降至1797.27亿元,不良率环比半年末下降0.07个百分点至1.56%,同期农行不良率下降0.01个百分点至2.39%,但不良贷款余额上升,工行、中行不良则双升。对于银行资产质量的小幅改善很多券商此前已有预计,平安证券此前就预计,三季度银行资产质量压力小幅改善带动信贷成本增幅减弱使得拨备对利润的负面影响边际改善,对净利润增速的下行起到减缓作用。值得一提的是,大行不良表现整体趋稳的一大功劳也要归于不良处置的加快,比如2016年前三季度中行共化解不良资产875亿元,同比多化解166亿元。净息差的收窄则在持续。平安证券此前预计,三季度规模增速和息差的持续下行对银行的营收同比增速仍将造成较大压力,三季度贷款重定价的影响将进一步消除,这将使得银行息差收窄压力进一步得到缓释,但在当前资产荒背景下,银行对优质资产的竞争仍将使得资产端收益率下行速度快于负债端,因此判断三季度银行息差的收窄幅度在3-5个基点。上述预期与银行三季报数据接近,比如中行上半年净息差为1.90%,但三季报这一数据则下降至1.85%,建行上半年净息差为2.32%,最新的数据则是2.26%。另一个市场关注点是,国家队在二级市场买卖银行股的动向。2016年以来,以证金公司为主的国家队频繁进出银行股,三季度这一态势得以延续,且在三季度证金公司一致性微幅减持了五大行股份。同期,汇金资管、梧桐树等则未有动作。五大行三季报显示,证金公司持有中行股份比例由半年末的2.7%下降至三季度末的2.53%,同期,证金公司持有建行的股份比例由1.02%下降至1.01%,持有农行的股份比例由1.92%下降至1.89%,持有工行股份比例由1.42%下降至1.32%,持有交行的股份比例也由2.76%下降至2.68%。更多精彩内容欢迎搜索关注微信公众号:腾讯财经(financeapp)。相关的主题文章:

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