Economic Herald reporter Yang Jiaqi
The three quarterly reports disclosed the final season.Economic Herald reporters sorted out and found that 12 of the 14 banks in Shandong have announced the main business indicators in the third quarter.Data show that in the first three quarters of this year, 12 Shandong City Commercial Banks combined with a total net profit of 15.31 billion yuan.
As of the end of September 2024, the total assets of these 12 Shandong City Commercial Bank increased steadily, reaching 3783.586 billion yuan, and the average capital adequacy ratio was 13.34%.On the whole, Shandong City Commercial Banks profit growth has grown, and the quality of assets is stable.
01
Qingdao Bank, Lead, the revenue of the two is 19.971 billion
As of November 10, the 12 Shandong City Commercial Banks that disclosed the financial reports in the previous three seasons are: Qingdao Bank, Qilu Bank, Weihai Commercial Bank, Weifang Bank, Rizhao Bank, Jining Bank, Lintong Bank, Dongying Bank, Yantai Bank, Lai Shang Bank, Qi Shang Bank and Taian Bank.Zaozhuang Bank and Bank of Texas have not disclosed the financial report in the third quarter.
Economic Herald reporter statistics found that the Shandong City Commercial Bank, which disclosed the information in the third quarter, fully disclosed the three indicators of assets, net profit, and capital adequacy ratio.In terms of operating income indicators, Weihai Commercial Bank, Weifang Bank, Lai Shang Bank, and Taian Bank did not publish relevant information.
According to the disclosure data, the operating income of the eight city commercial banks in the first three quarters exceeded 2 billion yuan, of which 4 were operating income of more than 3 billion yuan.Qingdao Bank became a "revenue king". In the first three quarters of 2024, operating income was 10.486 billion yuan, an increase of 789 million yuan year -on -year, an increase of 8.14%.In the 8 Shandong City Commercial Banks total revenue of 40.243 billion yuan, Bank of China accounted for 26.06%, close to 30%.The Bank of Qilu followed closely. In the first three quarters of this year, operating income was 9.485 billion yuan, an increase of 4.26%year -on -year.
Rizhao Bank, Jining Bank, Dongying Banks operating income in the first three quarters of which were 5.627 billion yuan, 4.174 billion, and 2.917 billion yuan, respectively;Bank, Ling Commercial Bank, and Yantai Bank realized operating income of 2.796 billion yuan, 2.741 billion yuan, and 2.017 billion yuan respectively.
In terms of growth rate, among the eight Shandong City Commercial Bank disclosed in the Shandong City Commercial Bank, there are three operating income in the first three quarters.The fastest growing operating income was Yantai Bank, a year -on -year increase of 33.9%; followed by Dongying Bank, with a growth rate of operating income of 18.12%; Rizhao Bank growth was 12.95%.
The operating income of Ling Commercial Bank in the first three quarters shows a negative growth year -on -year.The third quarterly report of 2024 showed that in the first nine months of this year, Ling Commercial Banks operating income was 2.741 billion yuan, a decrease of 16.17%from 3.27 billion yuan in the same period last year.The decline in operating income is Qi Shang Bank. In the first three quarters of this year, operating income achieved 2.796 billion yuan, and the same period last year was 2.841 billion yuan.
02
The net profit of two banks increased by more than 30%, and the net profit growth of Ling Commercial Bank
On the whole, the total of 12 Shandong City Commercial Banks had a total net profit of 15.31 billion yuan. Among them, the net profit of Qingdao Bank and Qilu Bank occupied nearly half of the mountains.The total net profit of the two banks in the first nine months reached 6.878 billion yuan.
Weihai Commercial Bank achieved net profit of 1.614 billion yuan in the first nine months, an increase of 4.53%year -on -year; Rizhao Bank achieved net profit of 1.292 billion yuan in the first nine months, an increase of 5.21%year -on -year.The net profit of Weifang Bank, Jining Bank, and Dongying Bank also exceeded 1 billion yuan.
Most of the net profit of Shandong City Commercial Bank in the first three quarters of this year achieved year -on -year growth.Economic Herald reporters sorted out and found that in the Shandong City Commercial Bank, which has been disclosed, 4 of the net profit showed double -digit growth, of which 2 banks exceeded 30%.
Dongying Bank is the largest net profit growth bank.The financial report data shows that in the first nine months of this year, Dongying Bank made a net profit of 1.083 billion yuan, an increase of 153.84%year -on -year from 427 million yuan in the first three quarters of 2023.Yantai Bank achieved net profit of 411 million yuan in the first three quarters, an increase of 39.6%year -on -year.
It is worth noting that the net profit growth rate in the third quarter of the third quarter of this year has fallen slightly.The third quarterly report shows that from January to September this year, Ling Commercial Bank achieved net profit of 408 million yuan, a decrease of 25.99%year -on -year from 551 million yuan in the same period last year; Qi Shang Bank achieved net profit of 588 million yuan, which was a year -on -year year -on -year year -on -year compared to 638 million yuan in the same period last year.Fall 7.87%billion yuan.
03
12 banks asset scale exceeds 100 billion, asset quality remains stable
P. "35N5V9RF"> In summary, in the third quarter, the assets of Shandong City Commercial Bank have steadily increased and the quality of assets is stable.As of the end of September, the assets of 12 Shandong City Commercial Banks assets that announced the business data reached 3783.586 billion yuan.As of the end of September this year, the total assets of Bank of Qingdao and Qilu Bank were 668.982 billion yuan and 668.13 billion yuan, respectively, an increase of 10.03 from the end of last year, respectively.%And 10.47%.Weihai Commercial Bank, Rizhao Bank, and Weifang Bank followed closely. The total assets were 425.847 billion yuan, 360.489 billion yuan, and 298.286 billion yuan.The total assets of Qi Shang Bank, Jining Bank, and Dongying Bank also exceeded the 200 billion yuan mark, with 259.217 billion yuan, 230.902 billion yuan, and 223.859 billion yuan.
While the total assets are growing in total assets, the loan and deposit business remains rapidly.As of the end of September 2024, the total loan of Zilu Bank was 332.480 billion yuan, an increase of 32.286 billion yuan at the end of the previous year, an increase of 10.76%, accounting for 49.76%of the total assets.The total deposit amount was 435.977 billion yuan, an increase of 37.899 billion yuan at the end of the previous year, an increase of 9.52%.
Qingdao Bank focuses on "five large articles", and the financial services of inclusive small and micro enterprises are deeper.As of the end of September 2024, the inclusive small and micro loan (the customers scope of small and micro enterprises, individual industrial and commercial households, and small and micro -enterprise owners with a credit scope of a single household, with no discount) balance)8507 billion yuan, an increase of 25.13%.
In fact, while the Shandong City Commercial Bank has improved steadily as the quality of assets, the ability to prevent risk is further improved.
Capital adequacy ratio refers to the ratio of banks own capital and weighted risk assets, which represents the banks last debt repayment capacity for liabilities.As of the end of the three seasons, the average capital adequacy ratio of 12 Shandong City Commercial Bank was 13.34%.Among them, Zilu Bank is the only institution with a capital adequacy ratio of more than 15%, with a capital adequacy ratio of 15.37%, and the capital adequacy ratio of Qi Shang Bank also reached 14.99%.
From the perspective of adverse rate indicators, as of the end of the three seasons, most of the non -performing loan rates of the Shandong City Commercial Bank announced this indicator declined differently from the end of the previous year.Among them, Jining Banks non -performing loan ratio has decreased the largest. As of the end of September, its 1.17%non -performing loan ratio decreased by 0.16 percentage points from 1.33%in the same period last year.
