Our reporter Lu Dong
More than a dozen unlisted banks that have issued financial bonds have previously announced that they will extend the time required to disclose their 2021 annual reports (or annual information disclosure reports) by the end of April.Among them, five banks said they would delay the release of their annual reports until the end of May.
The reporter of "Securities Daily" found that as time came to June, three banks have completed the annual report disclosure work as scheduled.Meanwhile, two of the bank's annual reports, due to be disclosed at the end of May, are still missing.
The deferred disclosure of the annual report shows
Mixed profit and loss last year
A total of 10 banks have had their annual reports "difficult to produce" due to the impact of the epidemic, including Yanbian Rural Commercial Bank, Changchun Rural Commercial Bank, Liaoyang Liaodong Rural Commercial Bank, Qinghai Datong Rural Commercial Bank and Shandong Rongcheng Rural Commercial Bank, which are expected to complete annual report disclosure at the end of May.In addition, the annual reports of five banks including Shanxi Yuci Rural Commercial Bank will not be disclosed until the end of July at the latest.
In June, the reporter checked the publicly disclosed information and found that three banks had completed the annual report disclosure according to the previously estimated time, and the above three banks had mixed profits and losses last year.
According to the 2021 annual report of Yanbian Rural Commercial Bank, as of the end of last year, the bank's total assets (consolidated caliber, the same below) was 124.639 billion yuan, an increase of 6.71% from the beginning of last year.In the whole of last year, the bank achieved operating income of 2.848 billion yuan, a year-on-year increase of 20.90%; net profit was 434 million yuan, a year-on-year increase of 0.74%.As of the end of last year, the bank's non-performing loan ratio was 2.10%.
As of the end of last year, the total assets of Changchun Rural Commercial Bank were 82.16 billion yuan, an increase of 2.39% from the beginning of last year.The annual operating income was 1.663 billion yuan, a year-on-year decrease of 2.22%; the net profit was 373 million yuan, a year-on-year increase of 12.32%.Changchun Rural Commercial Bank did not disclose the non-performing loan ratio last year, but the bank stated in its annual report that it actively promoted the business of resolving non-performing assets, clearing and disposing of non-performing assets throughout last year, and has achieved the goal of the provincial association.
In the delayed annual report, Liaoyang Liaodong Rural Commercial Bank's performance was the worst, with a loss last year.The bank's 2021 annual report shows that as of the end of December 2021, its total assets were 25.242 billion yuan, down 1.99% from the beginning of last year.The annual operating income was 150 million yuan, a decrease of 613 million yuan or 80.35% compared with 2020; the net profit was -106 million yuan, while the net profit in 2020 was 217 million yuan.As of the end of 2021, the bank's non-performing loan ratio was as high as 11.52%.
Chen Wen, director of the Digital Economy Research Center of the School of Finance, Southwestern University of Finance and Economics, said in an interview with a reporter from Securities Daily that because unlisted banks are generally small in scale, their profitability is limited, and some banks located in underdeveloped areas are more prone to large fluctuations in their performance. Therefore, the performance of non-listed banks varies greatly and the overall performance is weaker than that of listed banks.However, regardless of the final performance, the authenticity, accuracy and completeness of the disclosed annual report must be guaranteed.
In addition to the above-mentioned three banks, the 2021 annual reports of Shandong Rongcheng Rural Commercial Bank and Qinghai Datong Rural Commercial Bank, which were originally expected to be disclosed by the end of May, have not yet appeared.
"It should be online in the next few days." A relevant person from Shandong Rongcheng Rural Commercial Bank gave such an answer to a question from a "Securities Daily" reporter yesterday about when the annual report will be disclosed. The person said that the reason for the scheduled disclosure at the end of May was not Yes, but the 2021 annual report will be disclosed in the near future.
Although the annual report was not disclosed as scheduled, news of the change of executives of Shandong Rongcheng Rural Commercial Bank came.According to the relevant approval documents of the Weihai Banking and Insurance Regulatory Bureau, the board of directors of Shandong Rongcheng Rural Commercial Bank officially appointed Lin Huayong as the bank's president and Sui Long as the vice president. senior management personnel.The bank stated that the above-mentioned changes have fulfilled the necessary legal procedures and will not affect the normal operation of the bank.
According to the latest information released by Qinghai Datong Rural Commercial Bank at the end of last month, Qinghai Datong Rural Commercial Bank stated that the annual report will be postponed again to be disclosed before June 30, 2022.
3 city commercial banks merged due to absorption
Annual report extension disclosure
It is worth noting that among the banks that were unable to release their annual reports on time at the end of April, in addition to the above 10 banks that were affected by the epidemic, there were also 3 city commercial banks in Henan Province.The delayed disclosure of the annual reports of these three city commercial banks was caused by their participation in the merger and absorption work, but public information shows that the above-mentioned bank-related work has entered the final stage.
In October last year, Zhongyuan Bank announced that it planned to merge and merge Luoyang Bank, Pingdingshan Bank, and Jiaozuo China Travel Service Bank.
As the targets of merger and acquisition by Zhongyuan Bank, at the end of April, the three banks mentioned above have issued announcements on the extension of their 2021 annual reports, and stated in the announcements that because they are performing the relevant procedures for mergers and acquisitions, the relevant processes have not yet been completed, so they have not been able to The annual report was disclosed as scheduled, and it was not disclosed when the annual report would be disclosed.
On May 26, the relevant approval disclosed on the official website of the China Banking and Insurance Regulatory Commission showed that it was agreed that Zhongyuan Bank would merge Luoyang Bank, Pingdingshan Bank, and Jiaozuo China Travel Service Bank.At the same time, Zhongyuan Bank should strictly follow relevant laws and regulations to handle mergers and acquisitions, and urge Luoyang Bank, Pingdingshan Bank, and Jiaozuo China Travel Bank to complete matters related to the termination of legal entities.The merger by absorption will be completed within 6 months from the date of approval.
A reporter from Securities Daily visited the official websites of the above three banks and found that the names of the banks listed on the homepages of their official websites have been changed to Central Plains Bank Luoyang Bank, Central Plains Bank Pingdingshan Bank and Central Plains Bank Jiaozuo Bank respectively.
(Editor in charge: Guan Jing)
