Judging whether a bank's financial management is safe depends on the bank's operating performance, which is related to the safety of financial management products. In the first half of 20 19, the operating income and net profit attributable to shareholders of Zheshang Bank were 22.574 billion yuan and 7.528 billion yuan, respectively, increasing by 2 1.39% and 16.07% compared with the same period of last year.
At the end of June, 2065438+2009, the total assets 1.74 trillion yuan, an increase of 5.50% compared with the end of last year, of which loans and advances to customers totaled 932.7 billion yuan, an increase of 7.80%; The NPL ratio was 1.37%, the provision coverage ratio was 239.92%, and the asset quality remained excellent. The capital adequacy ratio is 13.32%, and the core tier 1 capital adequacy ratio is 8.52%.
Banker in England? The Banker magazine's list of "20 1000 banks in the world in 2009" ranks1007 according to tier-one capital and 98th according to total assets. China Chengxin International gave Zheshang Bank the highest AAA credit rating among financial institutions.
Generally speaking, Zheshang Bank has a good performance, and its wealth management products are also worth buying.
Precautions:
1. When purchasing wealth management products, the so-called expected rate of return is a manifestation of floating income of fixed-income wealth management products. It means what level of income the purchased wealth management products will have when they expire in the future, which is not an exact value. There are risk variables in this. Pay attention to this.
2. A complete investment cycle of wealth management products includes sales period, operation period and income period. In the investment process of a complete wealth management product, there will be several days when the wealth management income cannot be calculated according to the expected rate of return. Investors will also face the problem of whether the next product can be docked after the financial management expires. If there is no suitable product connection, there will be another waiting period, which will lead to a decrease in revenue.