16 Listed Banks Earn 2 Billion 500 Million &Nbsp A Day, And Revenues Exceed The Sum Of GDP In Six Western Provinces.

Three quarterly bulletin is officially closed today.

Hi: interest rates go up and banks earn 692 billion in the first three quarters.

According to statistics, the 16 listed banks achieved a net profit of 692 billion 54 million yuan in the first three quarters, an increase of about 31.86% over the previous year, with an average daily net income of 2 billion 535 million yuan.

Among them, there are 13 banks.

In terms of total net profit, the four state-owned banks have absolute advantages, of which the net profit in the first three quarters of the Industrial Bank was 163 billion 840 million yuan, which replaces the "most profitable bank" laurel; the CCB achieved a net profit of 139 billion 12 million yuan; the Agricultural Bank's net profit was 100 billion 757 million yuan.

However, by comparison, the performance of several joint stock banks is better than that of the state-owned giants.

For example, although the net profit of Minsheng Bank in the first three quarters was only 21 billion 386 million yuan, its performance growth rate reached 64.42%.

The net profit growth of Shenzhen Development A and Huaxia Bank has reached 62.93% and 44.42% respectively.

In addition, Everbright Bank, Xingye Bank, CITIC Bank and China Merchants Bank increased by more than 37%.

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The reason why the listed banks are able to catch up is that the net interest income and the intermediary business income increase faster.

Market analysis shows that under the policy of raising interest rates, the bargaining power of banks has improved, resulting in a marked increase in net interest margin income, thereby countering the negative impact caused by insufficient loans.

Worry: loss of deposits five bank loan deposit ratio exceeded

It is noteworthy that, due to negative interest rates, the residents' willingness to deposit is not strong, plus high income finance and private lending diversion. In the three quarter, bank savings deposits were lost, and many banks had negative growth in total deposits in the three quarter.

According to the statistics of journalists, the total deposits of 15 listed banks of A shares in Beijing as of September 30th were 54 trillion and 380 billion yuan, which was reduced by 538 billion 24 million yuan compared with the end of the two quarter.

The four largest deposits of workers and peasants were the most obvious. The Construction Bank had a total deposit of 9 trillion and 730 billion at the end of the three quarter, and lost 156 billion 528 million yuan compared with the end of 6.

The bank lost 125 billion 585 million yuan in the same period, and the agricultural bank reduced by 2 billion 760 million yuan.

ICBC increased by 97 billion 94 million yuan.

In addition, the deposits of Huaxia Bank, Nanjing bank, CITIC Bank and China Merchants Bank have lost to varying degrees.

In the case of zero growth or even negative growth in deposits and a continuous increase in loans, bank funds reappear nervously, and the loan to deposit ratio of Bank of communications, Bank of China, China Merchants Bank, Xingye Bank and Minsheng Bank exceeds 75% of the regulatory red line.

Impact:

again

Qiu Zhicheng, chief analyst of Guoxin Securities, believes that listed banks