From 20 14 to 12, Weizhong Bank, the first private bank in China initiated by Tencent and other enterprises, has been established for more than six years. Up to now, there are 9 private banks in China. Except Liaoning Zhenxing Bank and Wuxi Xishang Bank, the 2020 annual reports of other 17 private banks have all been disclosed.

The performance of 17 private banks that have disclosed their annual reports in 2020 shows that in terms of operating income, in 2020, 15 private banks achieved positive growth in operating income, and only two Tianjin Jincheng banks and Sichuan New Network Bank experienced negative growth year-on-year. In terms of net profit, last year 1 1 private banks achieved positive growth in net profit; Jiangxi Yumin Bank was the only private bank that lost money last year, but the loss amount decreased year-on-year.

In terms of asset quality, in 2020, the NPL ratio of 17 private banks and 15 private banks increased, and only Weizhong Bank and Xin 'an Bank achieved a decline in NPL ratio.

Weizhong bank and online merchant bank have assets of more than 300 billion.

From the perspective of asset scale, Weizhong Bank and online merchant bank are far ahead of private banks in asset scale. The 2020 annual report of Weizhong Bank shows that by the end of 2020, the total assets of Weizhong Bank were 346.43 billion yuan, an increase of about 19%. In 2020, the operating income of Weizhong Bank was 1, 988,654,380+billion yuan, a year-on-year increase of 33.70%; The net profit was 4.957 billion yuan, a year-on-year increase of 25.49%.

It is worth mentioning that the NPL ratio of only two private banks decreased last year, and Weizhong Bank was 1. By the end of 2020, the NPL ratio of Weizhong Bank was 65,438+0.20%, a year-on-year decrease of 0.04 percentage points.

According to the 2020 annual report of the online merchant bank, by the end of 2020, the asset scale of the online merchant bank was 311.25.6 billion yuan, a year-on-year increase of about 1.23%. In 2020, the operating income of online merchant banks was 8610.8 million yuan, a year-on-year increase of 30.03%; The net profit was 65.438+0.285 billion yuan, a year-on-year increase of 2.8%.

However, in terms of asset quality, in the face of the epidemic, the NPL ratio of online merchant banks rose from 65,438+0.3% at the end of 2065,438+09 to 65,438+0.52% at the end of 2020.

The income of two private banks showed negative growth last year.

According to statistics, Tianjin Jincheng Bank and Sichuan Wangxin Bank are two private banks with negative growth in operating income last year. The 2020 annual report of Jincheng Bank shows that by the end of 2020, the total assets of Jincheng Bank were 25.644 billion yuan. In 2020, the operating income of Jincheng Bank was 578 million yuan, a year-on-year decrease of 265,438+0.57%; The net profit was 43 million yuan, down 74.7 1% year-on-year.

The newspaper noted that Jincheng Bank recently welcomed a president who had been vacant for three years. On May 2 1, Jincheng Bank announced in official website that Wen was appointed as the president of Jincheng Bank according to the resolution of the first meeting of the second board of directors of Tianjin Jincheng Bank Co., Ltd. and approved by Tianjin Supervision Bureau of China Banking Regulatory Commission.

Wen, the new president of Jincheng Bank, was the chief strategy officer and vice president of 360 departments under Zhou. 360 Safety Technology Co., Ltd. (360,601360. SH), affiliated to Zhou, was approved as the largest shareholder of Jincheng Bank in August last year, holding 30% of the shares.

The 2020 annual report of New Network Bank shows that by the end of 2020, the total assets of New Network Bank will be 405 1 100 million yuan. In 2020, the operating income of Xinwang Bank was 2.357 billion yuan, a year-on-year decrease of 65,438+02.09%; The net profit was 706 million yuan, a year-on-year decrease of 37.69%.

At the end of 2020, the NPL ratio of Wangxin Bank was 1. 19%, up by 0.59 percentage points year-on-year; The provision coverage ratio was 334.5 1%, a year-on-year decrease of 190.73 percentage points; The capital adequacy ratio was 18.26%, up by 3.06 percentage points year-on-year.

Jiangxi Yumin Bank lost 82 million yuan last year.

In terms of net profit, among 17 private banks, only Jiangxi Yumin Bank was still at a loss last year. Yumin Bank was approved by China Banking Regulatory Commission on May 20th, 20 19 and Jiangxi Supervision Bureau of China Banking Regulatory Commission on September 27th, 20 19, with a registered capital of 2 billion yuan.

The 2020 annual report of Yumin Bank shows that by the end of 2020, the total assets of Yumin Bank were1231300 million yuan, an increase of 6.207 billion yuan or1.64% compared with the beginning of the year. In 2020, Yumin Bank achieved an operating income of 654.38+87 billion yuan, a year-on-year increase of 750%; The net profit was a loss of 82 million yuan. In 20 19, the bank's net profit was a loss of 92 million yuan.

By the end of 2020, Yumin Bank had a capital adequacy ratio of 265,438+0.15%, a provision coverage ratio of 7,264.66% and a non-performing loan ratio of 0.04%.

The NPL ratio of Xin 'an Bank dropped the most.

In terms of asset quality, last year, the NPL ratio of 15 private banks that published their annual reports in 2020 increased, and only Weizhong Bank and Anhui Xin 'an Bank declined, with Xin 'an Bank having the largest decline.

The 2020 annual report of Xin 'an Bank shows that by the end of 2020, the total assets of Xin 'an Bank were 65.438+08.407 billion yuan. In 2020, the operating income of Xin 'an Bank was 234 million yuan, a year-on-year increase of 50%; The net profit was 45 million yuan, a year-on-year increase of 663.25%.

In terms of asset quality, by the end of 2020, the non-performing loan ratio of Xin 'an Bank was 0.96%, down 0.70 percentage points year-on-year; The provision coverage ratio was 263.52%, up by 1 12.438+03 percentage points year-on-year.

Xin 'an Bank was jointly established by Anhui Nanxiang Trading (Group) Co., Ltd., Anhui Jincainiu Industrial Group Co., Ltd., Hefei Huatai Group Co., Ltd. and Anhui Chen Zhong Investment Holding Co., Ltd. It is the ninth private bank approved by China Banking and Insurance Regulatory Commission and the first private bank in Anhui Province. It officially opened on 20 1 1 18.

Proofreading: Ding Xiao