Total net profit of 9 banks nearly 140 billion rounds of money suspect inertia action

Double performance still bad money bank financing trap big profit: 9 banks in the first half of the total net profit of nearly 140 billion lack of money: core capital adequacy ratio generally decline, circle money may become the bank inertia action Yangcheng Evening News reporter 刘薇 intern Zheng as of yesterday, 16 listed banks have been published six months report.　　From the semi-annual report of the banks handed over the "midterm" report card, the rapid growth of Chinese banks ' performance is the envy of global peers and "shame." Of the 9 banks, the net profit growth rate was higher than 80%, the low was 20%, and 9 banks had a total net profit of nearly 140 billion yuan in the first half.　　Although net spreads still play a role in profit growth, it is indisputable that the profitability of Chinese banks has increased. But it is worth noting that, compared with the beginning of the year, the capital adequacy ratio, core capital adequacy ratio is becoming a general trend, Chinese banks are still widely faced with the severe situation of the need to replenish capital, bank refinancing is likely to become the next mainstream market.　　But the banks ' frequent moves to market circles have also caused some dissatisfaction among some investors, and some even think that banks have fallen into the "money-making side of the coin" financing cycle.　　In addition, the 9 banks to assess the risk of lending to the "Loan-to-deposit ratio" index of more than 75% of the regulatory requirements, but in addition to the Nanjing Bank of the index is low, most other banks are still "dangerous clearance", the remaining months of absorption remains an important task of the bank. General increase in net profit from published data, the word "growth" is rife with semi-annual reports by banks. For example, the earlier announcement of the semi-annual report of Huaxia, Minsheng, Nanjing, Citic 4 Banks, the first half of the net profit year-on-year growth of 80.57%, 20.23%, 49.53%, 46.02%.　　Subsequently announced the Bank of communications to achieve net profit of 20.357 billion yuan, an increase of 30.08%, deep development of the first half to achieve net profit of 3.033 billion yuan, an increase of 31%. The growth of net spreads has made a significant contribution to bank performance. Chinese banks, such as the net spreads from 2009 to 2.01% rebound to 2.38% in the first half of this year. Minsheng Bank net interest margin reached 2.92% in the first half, an increase of 0.49%. Although the net spreads of Nanjing Bank and Shenzhen Development Bank are still lower than the year, the chain has begun to resume growth.　　If the net interest margin for the first six months of deep development was 2.46%, which was 5 points lower than the same period a year earlier, the average income-bearing assets of the bank had increased by 19% per cent year-on-year. It is noteworthy that the growth of non-interest income is also beginning to show "power". For example, the substantial increase in net profits of CMBC is mainly due to a rise in net interest income and net non-interest income. In the first half of this year, Minsheng Bank achieved net non-interest income of 4.921 billion yuan, the proportion of operating income reached 18.86%, of which, fees and commissions net income of 4.509 billion yuan, an increase of 2.211 billion yuan, an increase of up to 96.21%. Revenue from financial consultancy, business management, trusteeship and other fiduciary business is mainly increasedLonger.　　This is also common in other banks, where intermediate business income is becoming a new growth point for banks. Intensive financing schemes will continue to be "short of money" while banks are making big profits.　　The financing pressure still comes from capital adequacy ratio and core capital adequacy ratio. According to the Half-year report, the decline of core capital adequacy ratio has become a general trend.　　If the core capital adequacy ratio of CITIC Bank has dropped to 8.26% from the beginning of the year, the core capital adequacy ratio of Nanjing Bank has fallen from 12.89% to 10.53%, the Minsheng bank has dropped from 8.92% last year to 8.32%, and Huaxia Bank's core capital adequacy ratio is only 6.49%. In terms of capital adequacy ratios, many banks also have an urgent need to replenish their capital. Of the 9 banks, with the exception of the bank's capital adequacy ratio of 12.17% is still slightly well-off, most of the others just just over the line.　　Everbright Bank capital Adequacy ratio is only 9.36%, has fallen below 10% of the regulatory "red line." The pressure of insufficient capital ratios has kept banks ' financing needs still strong, with many banks offering financing plans. For example, Citic Bank announced a 26 billion-yuan plan for refinancing the a+h rights issue at the semi-annual press conference, after CITIC Bank announced a 25 billion-yuan sub-debt issuance programme and completed the issuance of a 16.5 billion-yuan subordinated debt in June. Minsheng Bank senior revealed that the year to consider the issue of 15 billion yuan subordinated debt to supplement the subsidiary capital.　　If it becomes a reality, this will be the Minsheng bank in the early 5.8 billion yuan issue of subprime debt and 2009 Hong Kong stock market financing of about 30 billion yuan, the third time within 14 months of financing. Interestingly, Minsheng Bank chairman Dong Wenpei in March this year, said publicly that there is no refinancing plan, "I said at the full meeting, the refinancing of the matter now do not want to think, all embarrassed, how we open the mouth."　　However, after only 4 months, Minsheng Bank also wanted to reach the market to ask for money. And the big bank financing plan is unwilling. Bank of China August 20 evening issued a notice that the bank A+h shares rights issue financing not more than 60 billion yuan bill has been approved by the shareholders ' meeting. CCB and ICBC financing scale of 75 billion yuan and 45 billion yuan, in June, the bank has been the first to complete the financing of 33.1 billion yuan. In addition, ICBC and BOC also issued 25 billion yuan and 40 billion yuan of convertible bonds.