Recently, a list of people who are intended to be admitted on the Internet in 2024 on the Internet.Students are not only a masters degree from Peking University, the National Peoples Congress, and Reunion, but also doctors of , which made netizens call "rolled out a new height."
As an unknown local bank, what charm of Tangshan Bank has made many graduates from many famous schools compete for "admission".From the perspective of public information, Tangshan Banks "money" ability is indeed unusual.
Tangshan Bank was established in 1998. It is the only local joint -stock bank with an independent legal person qualification in Tangshan.It was only 17.25 billion yuan.In 2014, it was renamed Tangshan Bank from Tangshan Commercial Bank to Tangshan Bank, and determined the three -step development strategy of "renamed, attracting capital, and listing". Since then, the bank has made a rapid rise from 57 billion yuan at the end of 2014 to the third quarter of 2023 at the end of 2023.295.713 billion yuan.
From the perspective of profitability, the companys investigation shows that from the three quarters of 2020 to 2023, the bank achieved operating income of 3.510 billion yuan, 3.9 billion yuan, 4.676 billion yuan, and,,,,,,, to 4.676 billion yuan,,,,,,,,,, ,an, is 4.676 billion yuan.4.491 billion yuan, net profit was 1.356 billion yuan, 1.549 billion yuan, 2.158 billion yuan, and 2.727 billion yuan, and the growth rate of revenue during the same period was 17.53%, 11.13%, 19.89%, and 25.85%.12.55%, 14.26%, 39.32%, 36.12%.
It is not difficult to see from the above data that Tangshan Bank not only has a rapid growth in performance, but also the net interest rate at the end of the third quarter of last year also reached 60.72%of the staggering.Extremely rare.
The reason why Tangshan Bank has such a high profit index is related to its asset structure.Beginning in 2014, the banks non -credit asset share has continued to expand, the investment exceeds the rapid development of loans, and the out -of -surface business has developed rapidly.From 2013 to 2017, the banks investment assets continued to double, and the balances at the end of the year reached 7.3 billion yuan, 22.6 billion yuan, 76.5 billion yuan, 141.4 billion yuan, and 155 billion yuan.Quickly rose to 72%.
In comparison, the proportion of loans of Tangshan Bank from 51%to less than 16%at the same time, the banks deposit ratio also dropped from 55%at the end of 2013 to the end of 2017 to the end of 201725.4%is one of the domestic city commercial banks with the lowest deposit ratio.At the end of 2017, the banks investment assets were equivalent to 4.55 times the total loan.
Investment asset income is much higher than the loan interest income, which is the source of high profit margins of Tangshan Bank.However, after all, banks are not investment institutions. Before pursuing profits, we must first ensure security and liquidity. Blindly pursuing high returns may put banks in a high risk situation.The regulatory authorities have also repeatedly emphasized the return of the banking industry to the origin of the "deposit loan" business.Forced by supervision pressure, since 2018, Tangshan Banks balance sheet has begun to reconstruct. The annual investment assets have dropped sharply by about 50 billion yuan.The scale of the cushion is only 124.868 billion yuan.
In terms of credit, Tangshan Bank frequently appears related loans.According to incomplete statistics, in 2023, there were 15 correlation loans of Tangshan Bank. The transaction targets include Tangshan Tongshun Transportation Investment Development Co., Ltd., Tangshan Nanbao Development Zone Heat Development Co., Ltd., Tangshan Anju Real Estate Development Co., Ltd.Highway Group and so on.On January 11, 2024, Tangshan Bank re -approved a major affiliated transaction to apply for a mobile fund loan of 950 million yuan under the credit quota for Tangshan Holdings Development Group;Hetheng Industrial Co., Ltd. has applied for 10 million yuan in mobile fund loans and 50 million yuan in export bank acceptance bills under the comprehensive credit limit item.
Most of the affiliated loans issued by Tangshan Bank are state -owned enterprise shareholders, which is reasonable to be high -quality loans.However, from the perspective of public information, these shareholders not only obtained loans from Tangshan Bank, but also pledged Tangshan Bank to other banks to obtain loans. For example, the third largest shareholder Tangshan Holdings pledged 117.50 million shares to Xiamen International Bank Co., Ltd. Beijing Branch40 million shares were pledged to the Harbin Bank Tianjin Branch, 117.50 million shares pledged to Harbin Bank; the fourth largest shareholder Cao Feidian Holdings Group pledged 200 million shares to Shijiazhuang Branch.
And Tangshan Tourism Industry Groups wholly -owned subsidiary Tangshan Bay Sandao Tourism Development and Construction Co., Ltd. held 140 million shares held by Tangshan BankThe hospital frozen and has become the executed person.From this point of view, even if it is a state -owned background, banks still face the risk of loan losses.(Content source | Huabo Business Review)
