Source: Tanchen Finance (ID: SPY Finance)
Recently, many large banks have released the 2023 performance report. I did not expect the performance to be pretty goodAlthough some revenue is not as expected, net profit can still increase.
For the bank, the economy has declined as a whole in the past two years, and the net interest margin has continued to narrow, especially small and medium banks, and the performance is obvious.
More importantly, how to reduce non -performing loans and control risks has become the highlight of many banks this year.
Last night, Guiyang Bank, which was listed in A shares, released a temporary resolution on the board of directors of the company, that is, the proposal of "Development of Bad assets" was considered and approved.
On the eve of the Spring Festival of the Year of the Dragon, Guiyang Bank suddenly exposed a "thunder".One article.
After investigation, the last round of the board of directors of Guiyang Bank reviewed and approved the proposal of "carrying out non -performing asset disposal" in late December 2021.At the end of 2020, the non -performing loan rate of Bank of Guiyang was 1.53%, the end of the year was 1.52%, and 1.48%at the end of the three quarters of the year, and it had fallen to 1.45%at the end of the year.
In April of the following year, when the senior management of Guiyang Bank interacted with investors, the Secretary of Guiyang Bank had publicly responded that the non -performing asset treatment matters were processed at the end of 2021.
In other words, Guiyang Banks last disposal of non -performing assets can be called "speed" and very efficient.Whether the pressure can be significantly dropped this time, the outside world is looking forward to it.
According to the latest news on a property exchanges, Guiyang Bank has announced its transfer of "enjoying Guizhou Integrated Real Estate Development Co., Ltd., Guiyang Zhongrou Bird Nest Co., Ltd.Shanjin Mengmangye Co., Ltd. and Guizhou China Construction Trade Co., Ltd.s Two Announcement "Bad Loan Corporation".
The above -mentioned non -performing debt transfer has obtained the consent of the minutes of the Guiyang Banks special meeting.Based on this, for Guiyang Bank, the sale of these batch of non -performing loan claims is very important.
The above -mentioned non -performing loan claims are 4, all of which are the aforementioned debtors failure to perform repayment business according to the contract.
As of the benchmark date, the total principal of the total principal of Guizhou Integrated Real Estate Development Co., Ltd. and Guiyang Zhongrou Bird Nest Co., Ltd.600 million yuan; involving Dushan Jinmeng Manga Industry Co., Ltd. and Guizhou China Construction Trade Co., Ltd. The total principal principal of non -performing loan claims for non -performing loans is about 200 million yuan, and the interest rate is about 12.825 million yuan, and the total principal and interest is about 215 million yuan.
View one of the debtors special debt borrowing details, involving 2 pens of Guizhou Integrated Real Estate Development Co., Ltd., the deadline for 4 years, a period of August 2020, the loan balance is about 169 millionYuan, the other was about 361 million yuan in October of the year; it involved one of Guiyang Zhongrou Bird Nest Co., Ltd., with a period of 3 years and a loan balance of 5 million yuan.
As shown in the above form, as of January 29 this year, the total debt rights have reached about 711 million yuan.Among them, the only shareholder of Guizhou Integrated Real Estate Development Co., Ltd. is Evergrande Real Estate Group Guiyang Real Estate Co., Ltd.
According to another debtors special debt borrowing details, it involves one in Dushan Jinmeng Manga Industry Company. Last August was released, and the expiration date was late November last year.200 million yuan; one involved in Guizhou China Construction Trading Corporation, in June 2020, the expiration date was mid -May last year, and the loan balance was 3.8 million yuan.
It is reported that in November 2015, Evergrande Real Estate Group Guiyang Real Estate Co., Ltd. became a Guizhou integrated real estate development through equity and acquisition.Limited 47%of the second shareholders, after a month after a month, they ate 53%of the original shareholders and became its only shareholders.
The main development project of the above "Guizhou Integration" company is Guiyang Evergrande View, which is known as the flagship market of Evergrande Group in Guizhou, and is located in the foothills of Guizhou Ling Mountain in the main urban area of Guiyang.It covers an area of about 228,400 cubic meters, with a total construction surface of about 913,900 cubic meters.
"The project huge capital to create about 40,000 square meters of commercial, the century -old school provincial government road primary school Evergrande Emperor School, 3000 square meters kindergarten, 2550㎡ five -star club, Evergrande Jiakai YingyingCity and so on. "There are relevant information described.
As the development company of Guiyang Hengda Emperor Jing, Guizhou Integrated Real Estate Development Co., Ltd. In addition to owing the above huge non-performing claims of the Bank of Guiyang Bank, it is based onThird -party inquiry, 51 cases involved in litigation as "executed", which shows that the relationship between debt and debt behind it is very complicated.
Today, Guiyang Bank sells the above two non -performing loan claims. It is still yet to be observed whether it can be observed to find the "receptionist" smoothly.
In November last year, according to media reports, Guiyang Bank recently revealed that the adverse rate in the third quarter of last year was high, mainly due to the risk of loans of one family developer.Including adverse management, the companys adverse rate rises.
At the end of the three quarters of 2023, the non -performing loan ratio of Guiyang Bank was 1.62%, compared with 1.47%at the end of the middle of 2023, 1.49%at the end of the first quarter of 2023, and 1.45%at the end of 2022.There is indeed a significant rebound.
"In the fourth quarter, the company will comprehensively use various disposal methods and increase disposal efforts. It is expected that the quality of assets will remain stable at the end of the year." Guiyang Bank accepts previous investigations.
Recently, Guiyang Bank disclosed that it had been approved by the proposal of launching a non -performing asset disposal. According to the previous practice, it should have been prepared or already started to deal with it.
