According to the data of major regulatory indicators in the second quarter of 20 16 released by China Banking Regulatory Commission on August/0/0, by the end of the second quarter, the total assets of domestic and foreign currencies of China's banking financial institutions were 2 18 trillion yuan, a year-on-year increase of15.7%; The balance of non-performing loans of commercial banks was143.73 billion yuan, an increase of 45.2 billion yuan compared with the end of last quarter, and the non-performing loan ratio was 65.438+0.75%, which was the same as the end of last quarter. "
But this is maintained by the crazy handling of existing non-performing loans by banks. The disposal of non-performing loans requires consideration and cost, which will be gradually reflected in the bank's future performance.
(2) Although the non-performing loan ratio did not increase significantly, the proportion of concern loans and overdue loans in bank credit assets continued to increase. According to the regulatory standards, the balance of interest-related loans of commercial banks increased from 2. 10 trillion yuan at the end of 20 14 to 3.3 trillion yuan at the end of the second quarter of 20 16. Concerned loans and overdue loans, to put it bluntly, are non-performing loans at the end of the year.
Take Minsheng Bank as an example:
By the end of June, 2065438+2006, Minsheng Bank had 9 1 1 billion yuan of concern loans, an increase of more than 20% compared with the end of last year. Overdue loans continued to grow at a high speed. These data do not bode well for Minsheng Bank. Considering its low non-performing loan provision coverage ratio, any increase in the amount of non-performing loans means an increase in provisions and a decrease in profits for Minsheng Bank. According to the relevant regulations of CBRC, the provision coverage ratio of non-performing loans of commercial banks shall not be less than 150%. By the end of June, the data of Minsheng Bank was only 152.55%.
Because of the rising rate of non-performing loans, banks voluntarily withdrew from high-risk customers, and bank spreads fell sharply. Banking regulatory commission's governance fees lead to a decline in intermediary business income, which in turn leads to a sharp decline in bank profits before provision. In order to beautify the performance, banks have no profit to make provision and write off bad debts. So this is a vicious circle.
The last straw: everyone pays attention to the annual report of the bank. It is estimated that there will be another wave of banks selling fixed assets, especially office buildings, in the second half of this year. Take advantage of the current high asset bubble to cash out.
(3) Banks began to reduce costs through layoffs, disguised layoffs and salary cuts.
See the news link here: the wave of bank layoffs is really coming! The four major banks laid off more than 25,000 people in half a year.
Regarding the above questions, did commercial banks generally lay off employees and reduce salaries in 20 16 years? If so, what does it mean? -Finance has been discussed by many people. I agree with @ Gu Jian that the media didn't consider many realistic factors when counting data. In fact, banks have not really started to lay off employees on a large scale.