Recently, the A-share market ushered in the peak of the semi-annual disclosure of listed banks. On August 25, Wujiang Bank (SH.603323) disclosed the first semi-annual report after listing. According to the semi-annual report, Wujiang Bank's operating income in the first half of 2017 was 1.364 billion yuan, a year-on-year increase of 19.10%, and the net profit attributable to shareholders of the parent company was 438 million yuan, an increase of 11.80% year-on-year. The growth rate was higher than the industry average. While corporate profits are growing steadily, asset quality continues to improve. In the first half of 2017, Wujiang Bank's non-performing loan ratio was 1.71%, down 0.04 percentage points year-on-year.
Indicators continued to improve "small target" to achieve just around the corner
The scale of assets and the scale of deposits and loans are the key indicators for assessing performance. At the beginning of the year, Wujiang Bank set up a “small target†for itself: to realize the total assets, deposit balance and loan balance at the end of 2017, respectively, reaching 90 billion yuan. Yuan, 70 billion yuan, 50 billion yuan a new step. The semi-annual report shows that in the first half of the year, Wujiang Bank continued to accelerate the pace of transformation, enhance the quality of financial services, and serve local economic development. It is striving to achieve the "small goal" of steady growth of assets and deposits and loans. At the end of June, the total assets of Wujiang Bank reached 84.664 billion yuan, an increase of 4.08% over the beginning of the year. The balance of deposits was 68.70 billion yuan, an increase of 4.71% over the beginning of the year. The total loan amount was 47.566 billion yuan, an increase of 4.67% over the beginning of the year.
Wujiang inclusive finance fell real office "Chi-made" birth of a new momentum
Since the end of 2016, the recovery of the textile industry has been strong, but there have also been large fluctuations in chemical fiber raw materials and dyeing prices. As the country's textile heavyweight and the country's largest chemical fiber fabric gathering area, Wujiang faces pressure from raw material costs. Based on this, Wujiang Bank organized credit officers to conduct a visit in the new year to understand the company's raw material preparation and liquidity requirements, and timely issue loans to help customers “close orders†to lock in raw material prices and reduce the additional cost of raw material price fluctuations.
While maintaining the service of local traditional manufacturing, Wujiang Bank will focus on Wujiang's “intellectual creationâ€. In the first half of 2017, the company allocated a total of 7.352 billion yuan of loans and loans of 6.067 billion yuan to 146 enterprises with growth and light assets on the comprehensive financial service platform in Suzhou. In response to the problems of financing difficulties, financing, and slow financing in the weak areas of agriculture, rural areas and farmers, the company's balance of agricultural loans issued in the first half of 2017 reached 4.779 billion yuan, an increase of 9.69% over the beginning of the year.
Deep into the consumer finance, the transformation of traditional banks has a look
According to the reporter, since the CBRC’s 2009 “Measures for the Pilot Management of Consumer Finance Companiesâ€, 22 companies have obtained consumer financial licenses so far, of which more than three-quarters are bank-led consumer finance companies, mainly including Bank of Beijing and China. Banks, Bank of Shanghai, Hangzhou Bank and other city commercial banks. In addition to the establishment of consumer finance companies in the traditional banking market, Internet and industry giants including BAT, JD.com and Suning are also actively involved.
According to the disclosure announcement, in the first half of 2017, with years of accumulated rich consumer finance experience, Wujiang Bank plans to invest 150 million RMB to jointly establish a consumer finance company with HNA Tourism, Zhuhai Yuchuang, Hengtong Group and Mingzhu Deep Investment, and plans to dig deeper into consumption. This trillion-level blue ocean market in finance.
For banks, with a strict risk control foundation, facing the vast market space of consumer credit, which has both light capital and high returns, future consumer finance may become an important breakthrough for bank retail transformation.
(Cao Weixin)
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