A few days ago, Shanxi Bank released its first annual report after opening.Data show that by the end of 2021, Shanxi Bank had total assets of 296.182 billion yuan, loans and advances of 161.425 billion yuan; total liabilities of 276.257 billion yuan and deposits of 220.677 billion yuan.
In 2021, Shanxi Bank will achieve a cumulative operating income of 2.705 billion yuan and a net profit of -4.673 billion yuan. The net fee and commission income will account for 7.03% of the operating income.According to reports, in order to proactively digest risks and proactively deal with problems left over from history, Shanxi Bank made a supplementary impairment provision of 4.815 billion yuan in accordance with accounting standards and regulatory requirements. If the impact of supplementary provisions is excluded, it will achieve a pre-provision profit of 975 million yuan in 2021. .
The implementation of the financial budget released in the same period (the parent company's caliber) shows that the operating income budget of Shanxi Bank in 2021 is 2.516 billion yuan, and the actual completion is 2.699 billion yuan, and the completion rate reaches 107.27%; the net profit budget for 2021 is 150 million yuan, which is actually completed. -4.675 billion yuan.
In terms of asset quality, as of the end of 2021, Shanxi Bank's non-performing loan ratio was 3.29% and the provision coverage ratio was 151.14%.According to the annual report, the board of directors of Shanxi Bank attaches great importance to asset management and control, and puts the control of non-performing assets and the disposal of foreclosed assets in a prominent position to promote sustainable development of the whole bank.In 2021, Shanxi Bank has resolved a total of 12.599 billion yuan of risk assets through collection, transfer, restructuring and other methods.
According to Shanxi Bank, the overall operating results in 2021 are in line with the business development expectations for the first year of the merger.Specifically, as of the end of 2021, the bank's core tier 1 capital adequacy ratio, tier 1 capital adequacy ratio, and capital adequacy ratio were 10.20%, 10.20%, and 13.07%, respectively.
Shanxi Bank is a provincial-level legal person city commercial bank established through a new merger on the basis of the original Datong Bank, Changzhi Bank, Jincheng Bank, Jinzhong Bank, and Yangquan City Commercial Bank. 23.996 billion yuan.
(Editor in charge: Hua Qingjian)
