Bank of China the "a" war
"Bank of China is very hurt." The bank of China branch of jilin province a person in charge so comment on four big line half annals. According to the half annals, bank of China in the total assets, total liabilities and profit three key financial data on every put agriculture bank.
September 10 FenHangChang japan-china done after the meeting, the head of the branches on the north to train. However, he brought back to the bank of China in one hundred is not only the joy of celebration, and business adjustment pressure. "Campaign to erupted, the next is the main task of the profit will be brought." This person in charge said that the performance center daily news was put agriculture bank has a direct relationship, the hope can through to profit vigorously promotes the, in the annual report released keep third place.
The CBRC an official told the financial country weekly press, bank of China now exists some management pressure, mainly is the overseas spreads shrink and domestic business and other big line without the traditional advantage compared to cause.
The international financial crisis, the bank of China once will shift the focus of the business to the domestic, and every become 2009 credit's fastest-growing state line. Nowadays, bank of China began to restore balance development business at home and abroad, but two markets at home and abroad will be better, is it possible to ensure that bank of China this time the "a" war success.
Lost ranking
In 2004 at the beginning of the listed state-owned Banks, workers and peasants four state-owned bank's total assets scale is 5.59 trillion yuan respectively, 4.014 trillion yuan, 3.49 trillion yuan and 3.91 trillion yuan, ranked second in the agriculture bank, bank of China ranked fourth.
Due to the bank of China and China construction bank reform prior, bank of China in 2006 after the listing, crowded into the former 3 armour, maintained the lead agriculture bank advantage.
"He who does not advance loses ground." According to the bank first half performance report, agriculture bank in the first half of this year net profit of 80.5 billion yuan, total assets 12.9 trillion yuan, a total of 12.2 trillion yuan in debt. Bank of China in the first half net profit of 75 billion yuan, total assets 12.8 trillion yuan, a total of 12 trillion yuan in debt. Agriculture bank in three key data all realize the central beyond, at one fell swoop recapture "old three" position.
It is reported, performance decline to chairman of the board of directors XiaoGang bank in the national FenHangChang conference say, want to grasp profit at all costs. Bank of China vice President for is in the sixth China bankers peak BBS on call "under a lot of pressure".
Standard &poor's financial institutions rating director LiaoJiang in accepting this newspaper reporter to interview talked about, if simply see ranking adjustment significance is not great, the key problem is now in the bank four line operation pressure is the largest, business window was not prominent, the prospects can't use optimistic to describe.
Semi-annual report shows that in the first half of the bank of China Daily net spreads is 2.10%, the decline of last year two basis points. Among them, the mainland RMB business net spreads is 2.31%, the year down 2 point; The mainland foreign currency business net spreads 1.26%, at the beginning of a drop 43 basis points.
Countries gold securities analysis report thinks, bank of China net spreads down main is affected by the mainland foreign currency business drag, foreign currency business from the trade and bond investment rate of return which fell 47 basis points and 24 point.
For this explanation say, because of bank of China foreign exchange assets more than other Banks, 2005 RMB appreciation of the trend that foreign exchange assets shrink is more serious. "This is a great problem, and then what's the matter, may also analysis."
In fact, the bank of China foreign currency business on the net spreads and profitability since the financial crisis influence after he has always been there, lead to net interest differential shrinkage of another reason maybe is the bank of China in the first half of the strategy of pursuing high costs and liabilities results.
Bank of China Beijing branch of a customer manager told reporters that quarter, central business priorities is high cost liabilities. "It was not deposit to directly lead to have no money loan, so pull a lot of high costs and liabilities, continue to may begin to emphasize to reduce cost of debt."
In addition, by the economic growth is slowing, the banking regulatory commission to strengthen supervision fees, the effect of non-interest income among decline amplitude is also higher than other big line. Fee and commission net income for 34.25 billion yuan, 2.07% year-on-year drop. Among them, consulting, foreign exchange bid-ask spread income, credit commitment and agency business revenue declined obviously, year-on-year drop were 46%, 18%, 20%, 3%.
"The first half fee problem, supervision layer is mainly aimed at individual charging problems, but we both individual business or company business, are some rectification, charging projects also carry a return, so in the first half of the intermediate revenue declined obviously. The bank of China branch in jilin province said.
In addition, he also stressed that the central intermediate business income than other big line of the ratio is high, so the effects are obvious.
The "a" tough sell
Bank of China to ensure the profit growth determination and pressure, has transmitted to ordinary employees. Bank of China Beijing branch HuBu team manager hah recent days some difficult, evening accompany with customer late into the night, the second day early in the morning is ready for material. But hard results may also is the performance salary is button.
"Issue loans have spreads, provision, tax and other cost follow, want to simply rely on on the loan increase profit is difficult, besides now head office is still in control the size of the loan. Only in the basis of loan collecting from customer some consultant fee, etc to gain profit." Bank of China branch in Shanxi Province a customer manager told reporters.
The people of jilin branch, says to the reporter, the fourth quarter in the middle business income to XiaDaLi degree. Beijing branch of a customer manager speak, the deposit limited effects, in order to meet customer demand for loans and their own ascension in the need of profits, they recently in pushing a similar trust products. Will need to capital enterprise of an asset to the Beijing financial property rights exchange hit to cause a product, and then search for another have idle funds to buy the product renmin, the bank extract referral fee.
Head office to all branch of the business goal is to, profit index shoulder to shoulder the other three big line. However, some bank business personnel reflect, in the traditional business, bank of China than other line and no obvious advantages, for