The Best Representative of Buddhism Management —— Tangshan Bank

Asset quality is the top priority of Tangshan Bank. By the end of 2020, the provision coverage ratio of Tangshan Bank will reach 340.02%, almost twice that of other banks. On the one hand, the non-performing loan ratio of Tangshan Bank is always at a low level. On the other hand, because of the "Buddhist" operation of Tangshan Bank in recent years, more risk assets will not enter.

Different from Zhangjiakou Bank, Tangshan Bank's asset scale has not changed much in the past two years. By the end of 2020, its total assets were 20124.3 million yuan, an increase of only 300 million yuan compared with the end of 20 18. At the same time, Tangshan Bank has accrued a large number of asset impairment losses in the process of substantial revenue growth. In this way, at the expense of net profit growth, the non-performing loan ratio of banks remains absolutely low in 10 city commercial banks.

For Tangshan Bank, it is very important to maintain a stable asset scale and stable operating efficiency, but the most important thing is to maintain a stable asset quality, which is the best representative of "Buddhist" management.

Based on the operating performance of city commercial banks in Hebei Province, it can be seen that among 10 banks, Zhangjiakou Bank and Tangshan Bank show two completely different directions: one is the rapid expansion in recent years, and the asset scale has increased by nearly 50% in three years; The other is the operation of Buddhism. Although the volume has not changed much, it has been steady and steady, ensuring the quality of assets. Other banks choose between two "extremes" and try to keep a balance.

But it is foreseeable that both rapid expansion and steady progress have their own difficulties to face. The difficulty of Zhangjiakou Bank is obvious, that is, how to expand the scale of assets while ensuring the improvement of asset quality without being dragged down by high-risk assets. The difficulty of Tangshan bank is hidden, which is reflected in how to protect its share from erosion after those "ambitious" banks find a way to balance. Asset scale, operating efficiency and risk indicators are important indicators to measure the operating results of commercial banks. Banks are special enterprises that operate risks, and controlling risks is the trump card of banks. Among them, non-performing loan ratio, provision coverage ratio and capital adequacy ratio test a bank's ability to control risks from three different aspects.

Statistics show that by the end of 2020, the three banks with the lowest NPL ratio in Hebei city commercial banks are Tangshan Bank, Chengde Bank and Baoding Bank and qinhuangdao bank with the same data. The three banks with the highest provision coverage ratio are Tangshan Bank, Xingtai Bank and Cangzhou Bank. The three banks with the highest capital adequacy ratio are Langfang Bank, Baoding Bank and Chengde Bank.

Two. Non-performing loan ratio of commercial banks in 2020

In 2020, the NPL ratio of commercial banks was 2.68% in October, 2.8 1% in February, 2.89% in March, 2.96% in April, 3.02% in May, 3.09% in June and 3./kloc in July and August.

Three. The non-performing loan ratio of this commercial bank is (). Objective case problem

A

NPL ratio = NPL balance/loan balance 0%=2%.

4. Why do commercial banks have more non-performing loans than other banks?

There seem to be three kinds of banks in China: central bank, policy bank and commercial bank. The central bank is a functional department of the government, and policy banks do not aim at profit. There is no comparability between these three types of banks. . . . . . . . . . . . . . . . . I don't know why you came to this question.

PS: In recent ten years, the non-performing loan ratio of all domestic commercial banks has been declining. . . . . . .