China Net Finance April 7 Recently, the Bank of Shang Hui released its 20021annual report. During the reporting period, the bank achieved an operating income of 35.5 355. 1.4 billion yuan, a year-on-year increase of 9.98%; Net profit117.85 million yuan, a year-on-year increase of18.79%; The net profit attributable to shareholders of the Bank was RMB 65,438+065,438+04.6 million, up 65,438+09.75% year-on-year. During the reporting period, the average return on total assets (ROA), average return on equity (ROE), net interest margin and net interest rate of Shang Hui Bank were 0.89%, 65,438+02.33%, 65,438+0.98% and 2.20%, respectively, up by 0.06 percentage point and down by 0.665,438 compared with the end of 2020.

In terms of assets and liabilities, as of the end of the reporting period, the total assets of Shang Hui Bank were 654.38+0.383662 billion yuan, an increase of 8.80% over the end of the previous year; Among them, customers' loans and advances totaled 654.795 billion yuan, an increase of 14.28% over the end of last year. Total liabilities were12721460,000 yuan, an increase of 9.10% over the end of last year; Among them, customer deposits totaled 768.668 billion yuan, an increase of 7.8 1% over the end of last year.

In terms of asset quality, as of the end of the reporting period, the balance of non-performing loans of Shang Hui Bank was 65.438+0.65438+0.660 billion yuan, an increase of 302 million yuan over the end of the previous year; The NPL ratio was 65,438+0.78%, a decrease of 0.20 percentage points compared with the end of last year; Among them, the non-performing loan ratio of the real estate industry was 3. 19%, an increase of 3. 12 percentage points over the end of last year; The provision coverage ratio was 239.74%, an increase of 57.84 percentage points over the end of last year.

In terms of capital, as of the end of the reporting period, the core tier-one capital adequacy ratio, tier-one capital adequacy ratio and capital adequacy ratio of Shang Hui Bank were 8.45%, 9.54% and 65,438+02.23%, respectively, up by 0.465,438+0 percentage point, down by 0.35 percentage point and up by 0.165,438+.