12 Bank Charges Account For Nearly Half Of Half Income.

The semi annual performance of listed banks is coming to an end. As of August 28th, 12 listed banks announced the first half of 2011. The report shows that the 12 banks realized in the first half of this year. Net profit 424 billion 447 million yuan, of which the commission fee and commission net income were 205 billion 743 million yuan, almost half of the net profit.

　　 The average daily income of banks is 2 billion 358 million yuan.

The 5 major commercial banks established by the workers and peasants are still the main force in the banking industry. The semi annual report shows that the 5 banks achieved a net profit of 365 billion 608 million yuan in the first half of this year, accounting for 86.14% of the total 12 listed banks. Among them, ICBC ranked first on net profit of 109 billion 575 million yuan, followed by CCB, Bank of China, ABC, and Bank of communications.

According to the semi annual reports published by banks, the Chengdu Commercial Daily reporter found that in the 5 large banks, the net profit growth rate of ABC was the fastest, reaching 45.40%, and the remaining 4 banks. Increase It's all around 30%.

Yesterday, the reporter roughly calculated an account. If calculated on the basis of 180 days, 12 banks should make a net profit of 2 billion 358 million yuan every day in the first half of this year. Among them, 5 large banks average daily income of 2 billion 31 million yuan. The remaining 7 joint-stock banks are not weak in generating revenue, and Minsheng Bank ranked first in 12 banks with 56.98% net profit growth.

　　 Fee income accounted for nearly half.

In the first half of this year, banks made a big profit. Among them, the fee and commission income that has received much public attention and challenge is generally more than 40%, up to 205 billion 743 million yuan, almost half of the bank's profits.

From the 12 banks that have reported half a year's report, except for the 23.56% increase in Bank of China, the other 11 banks have increased by more than 40%, of which Huaxia Bank is 90.40%, the top of 12 banks, and Shanghai Pudong development, people's livelihood and Xingye are all higher than 70%.

In recent years, bank charges and commission net income generally showed a higher rate of growth than interest income, and gradually increased the proportion of bank business revenue, becoming an important growth pole of bank profits. The top executives of banks said that the profit growth in the first half of the year depended mainly on interest income and commission and commission income. According to the data disclosed, the rapid growth of bank charges in the first half of the year was mainly due to the substantial increase in the cost of financial services, consultants and bank cards.

Take Huaxia Bank and Shenzhen development as an example, Huaxia Bank's fees and commission net income increased by 90.40% in the first half of the year, including 468 million yuan in handling business fees and 310.53% year-on-year growth. In the first half of the first half of the year, the net income of commission and commission increased by 58.40%, of which 352% of financial services fees grew by 352%, while agency and entrusted business grew by 172%.

　　 Overdue loans exceed 320 billion yuan.

Happiness and sorrow. While all banks are cheering for profit growth, overdue loans of some banks have also risen sharply. The overdue loans of 12 banks have exceeded 320 billion yuan, and some banks overdue loans have increased by nearly 25%.

According to the bank's semi annual statistics, 12 banks overdue loans totalled about 322 billion 475 million yuan, including 8 Banks overdue loans increased earlier than the beginning, 5 grew by more than 10%. Among them, people's livelihood, Pudong Development and Everbright's growth were the highest, and the overdue loans increased by 24.71%, 22.19% and 17.88% respectively.

Data show that five major banks, Bank of China, CCB and bank overdue loans increased by about 10.13%, 10.09% and 5% compared with the beginning of the year, while ICBC and ABC decreased by 7.75% and 3.77% respectively.

According to Xinhua news agency, historical data show that from 2006 to now, some overdue loans of listed banks tend to rebound in the middle of the year and come down at the end of the year. Statistics from CITIC Securities show that 6 medium term loans in the mid 2007, 9 in the mid 2008, 6 in mid 2009 and 8 medium-term medium-term loans of 8 listed banks increased, with more than 90% falling below the level of the beginning of the year.

It is worth noting that a large proportion of the banks' overdue loans are new. According to the Chengdu Commercial Daily reporter, a large number of large state-owned banks within 3 months overdue loans increased by more than 3 months, of which, CCB and Bank of China within 3 months overdue loans increased by 40.6% and 36.1% respectively, and ICBC and ABC within 3 months of overdue loans also increased 34.8% and 12.9% respectively.

Some analysts said recently that the increase in overdue loans reflects the impact of economic decline on enterprises. However, the listed banks have strong management capacity for bad balances. They can maintain a reasonable level of bad balance through clearing and sinking. It is expected that banks will pay attention to overdue loans in the second half of the year to collect and collect loans, and the amount of overdue loans will be reduced at the end of the year.

　 voice

Bank charges

Is it appropriate to benefit the people?

The semi annual report of listed banks which has been disclosed has revealed that a number of banks have once again made a "full pot" in the first half of this year. Among them, the growth rate of the "toll revenue" that the public has been paying attention to and questioned is generally over 40%, and some even exceed 90%. In contrast, it is the public's criticism of the banking service level, the charging standard and the transparency of services.

Data show that the current customer oriented banking service has developed from several than 300 years ago to thousands of kinds, and charging items and standards have been increasing. Reporter survey also found that the current banking service charges are divided into three categories: one is the charge price determined by the relevant departments; two, the charges are put forward by commercial banks, and the relevant departments are put on record; three, the relevant departments authorize the commercial banks to decide for themselves. The most controversial social disputes are third categories.

As far as financial products are concerned, a bank has been accused of not fully revealing the risk of financial products and causing losses to customers. Later, many banks were challenged to exaggerate the investment income, and then to a large loss of financial products of Ping An Bank recently. Investors' doubts about bank financing products mainly focus on the provisions of the financial products contract, such as the provisions of the overlord clause, inadequate risk disclosure, inadequate information disclosure, the form of customer risk assessment, and the complicated and difficult understanding of the product instructions.

In the face of doubts from all walks of life about the disproportionate charges of bank charges and services, regulators recently made public statements and warned or severely punished illegal banks.

The legal profession suggests that under the background of some banks' lack of self-discipline and inadequate supervision system, it is necessary for relevant departments, the media and all sectors of society to continue to step up supervision and safeguard the rights and interests of the people. In the longer term, it is necessary for the relevant departments to introduce a more stringent regulatory system for banking charges as soon as possible, so that bank charges can be legally regulated and regulated.

More bank users are hoping that banks should take more consideration from the point of view of customers and people to help the people while realizing their rapid development, instead of focusing solely on how to set up new fees and raise the standard of service charges.

Reporters found that the expectations of the public are mainly focused on two aspects: on the one hand, canceling or reducing some of the low cost of service items; on the other hand, improving service levels, defining service contents, and improving service transparency and meticulous degree.