At the same time, the scale of good deposits and loans maintained rapid growth. By the end of the reporting period, the net loans and advances of Bohai Bank amounted to 972.262 billion yuan, an increase of 34.355 billion yuan or 3.66% over the end of the previous year. Total liabilities1552.594 billion yuan, an increase of 76.45 billion yuan or 5.18% over the end of last year; Among them, the deposits absorbed were 87,5291billion yuan, an increase of 39.37 billion yuan or 4.7 1% compared with the end of last year.
In terms of asset quality, as of the end of the reporting period, the bank's non-performing loan ratio was 65,438+0.76%, which was the same as the end of last year. The loan loss reserve is sufficient, and the bank's loan impairment reserve is 23.639 billion yuan, an increase of 807 million yuan over the end of last year; The provision for impairment of non-bond investments is 65.438+0.0857 billion yuan; The loan provision ratio is 2.39%, and the provision coverage ratio is136.30%; The asset quality remained stable, and the provision indicators met the regulatory requirements.
At the same time, the capital adequacy ratio at all levels meets the regulatory requirements. By the end of the reporting period, the capital adequacy ratio of Bohai Bank was 1 1.52%, the core tier-one capital adequacy ratio was 8.26%, and the tier-one capital adequacy ratio was 10. 17%.
In terms of helping the real economy to improve quality and efficiency, the performance report shows that the balance of inclusive microfinance and manufacturing loans of Bohai Bank has increased substantially: by the end of the reporting period, the balance of inclusive microfinance was 67.253 billion yuan, an increase of 77.765438 billion yuan over the end of last year, with a growth rate of 65.438+03%, which was 9.7 percentage points higher than that of general loans. The balance of manufacturing loans was106.462 billion yuan, an increase of 5.9% compared with the end of last year, which effectively met the financing needs of the real economy.
Bohai Bank further strengthens inclusive finance's services of benefiting enterprises, actively provides interest-free services and credit guarantee services to eligible customers, and gives differentiated pricing concessions to key regions such as Northeast China, Midwest China, Tianjin and Shanghai, and key industries such as freight logistics and manufacturing.
In promoting digital transformation, the performance report shows that the bank has continuously increased its investment in science and technology. By the end of June, the investment in science and technology had reached 505 million yuan; Steadily promote the introduction of financial technology talents, and the proportion of scientific and technological personnel in the bank has reached 7.48% at the end of the reporting period.
Relying on digital transformation, the retail business and wealth management business of Bohai Bank are moving towards a high-quality development stage: by the end of the reporting period, the total retail deposits of the whole bank were144.228 billion yuan, an increase of 6.89% compared with the end of last year, and the proportion of retail deposits reached 654.38+06.78%; The total retail loan is 339.7.1700 million yuan, accounting for 34.4 1%.
During the reporting period, the balance of wealth assets of the Bank was 345.3 billion yuan, an increase of 3.1%over the end of the previous year; There were 473,800 middle and high-end customers, an increase of 20,000 over the end of last year; The wealth management business on behalf of customers broke the ice, and the income from fund and insurance intermediary business was 35,922,600 yuan, a year-on-year increase of 42.44%. It is worth noting that during the reporting period, the Bank's comprehensive ability to serve private banking customers was effectively improved. The performance report shows that the average wealth assets of private banking customers have increased by 6.3%.
Related questions and answers: Is Bohai Bank a state-owned enterprise or a private enterprise? Bohai Bank is a state-owned enterprise. Bohai Bank is a national joint-stock commercial bank in People's Republic of China (PRC), the first commercial bank headquartered in Tianjin since the founding of People's Republic of China (PRC), and the first Chinese-funded commercial bank in China to introduce overseas strategic investors in its initial stage. Scope of business: China Banking Regulatory Commission gave an official reply withNo. [2005]337 in June 5438+February 2005. The business scope of Bohai Bank includes: (1) absorbing public deposits; (2) Short-term, medium-term and long-term loans; (3) Handling domestic and international settlement; (4) Handling bill acceptance and discount; (5) Issuing financial bonds. (6) Acting as an agent to issue, honor and underwrite government bonds; (7) buying and selling government bonds and financial bonds; (eight) engaged in interbank lending; (9) Acting as an agent for buying and selling foreign exchange; (ten) engaged in bank card business; (eleven) to provide letter of credit services and guarantees; (12) Agency payment and insurance agency business; (thirteen) to provide safe deposit box services; (14) Other businesses approved by the State Council Banking Regulatory Authority. Business Profile Bohai Bank has many differentiation elements since its establishment. It is the first national joint-stock commercial bank in China to introduce overseas strategic investors in the early days of its establishment, and has built a matrix management organizational structure, a comprehensive vertical risk management system and a centralized operation management model in the background. After more than four years of unremitting exploration and hard development, Bohai Bank has begun to take shape and market influence. 20 10 is the "transition year" of Bohai Bank, which clearly puts forward the management strategy of intensive management, specialized management and comprehensive development. The purpose is to further improve the ability of the Head Office to co-ordinate the allocation of various resources, improve the strategic orientation of the incentive and restraint mechanism and strengthen the professional level of line management by actively promoting the "four transformations" of management and the "three transformations" of business development. Adhere to the comprehensive and vertical risk management system and centralized business operation mode in the background, straighten out the coordination mechanism for the integrated development of the head office and branches, vigorously adjust the customer structure, product structure, business structure and income structure, and strive to reduce the cost-income ratio and achieve rapid growth of financial income. The overall operation of the Bank maintained a good momentum of healthy and rapid development.