In net difference, only interest poor year after year closes narrow while, this cost income compares apparent promotion, explain management efficiency is reduced somewhat
" investment times " reporter Xue Najun
"Suzhou, pretty quick style, " the Wu Nong soft signal that CCTV transmits ceaselessly, of the city of your heaven magical promote once more. Nevertheless, be in among them some finance orgnaization to the body, hope this ad saying becomes reality more at the moment.
At present Jiangsu area already had Nanjing bank (601009.SH) , Jiangsu bank (600919.SH) , the bank that do not have stannum (60098.SH) appear on the market 3 times city commercial firm, and Suzhou bank nature unwillings to lag behind. It is reported, this IPO already made progress to show newer level beforehand to book of raise capital by floating shares, but final whether go terminal, however everybody dare pat a bosom to assure.
Recently, academy of punctuation finance and economics hand in hand " investment times " to 98 cities commercial firm annals data had statistic 2017, roll out " profit of city commercial firm adds fast a list of names posted up " . The result shows, 2017, suzhou bank realizes business income 6.899 billion yuan, drop compared to the same period 1.55% ; Realize profit of net of attributive parent company 2.11 billion yuan, grow 8.22% compared to the same period, net profit is added fast list the 51st.
Gain ability is exhausted weak
Wind data shows further, 2018 first half of the year, total of Suzhou bank assets is 289.7 billion yuan, implementation net profit 1.41 billion yuan. Because lack compared to the same period data, the outside still cannot see its manage actor bad of change. However, if spin time axis,still see clue.
This net profit grew 7.44% compared to the same period 2016, add fast promote 4 percent compared to the same period; Net 2017 gain grows 8.21% compared to the same period, add fast promote 0.8 percent only compared to the same period -- without doubt, add fast glide apparent, gain ability shows exhausted state.
Look again from specific target, of Suzhou bank advocate battalion income index -- net difference, only interest difference all presents year after year to accept narrow trend. Came 2015 2017, this net difference is respectively 2.5% , 2.05% , 1.80% , difference of only interest of the corresponding period is 2.75% , 2.64% , 2.01% .
Net difference, only interest difference closes narrow the general character that is course of study of current Bank of China, the time that also means the past to lying to make money is not returned. How to cast off lean dimensions to enlarge gain and business height coessential the situation that turn, to resembling Suzhou bank such in for small bank, had become very pressing.
In addition, the reporter notices, came 2015 2017, cost income compares Suzhou bank to come by 31.30% litres 37.77% , this gives this management efficiency to be reduced somewhat from flank report, cost control ability and gain ability are synchronous also and abate.
Asset quality respect, because economic atmosphere of area of river short for Zhejiang Province is opposite good, this bad loan leads index to wait in be in in city commercial firm slant on level. Afore-mentioned 3 years, its are undesirable loan rate is respectively 1.48% , 1.49% , 1.43% , have litre have fall, but overall keep stable. But its are undesirable absolute value of loan remaining sum is climbed in year after year however litre, afore-mentioned it is 1.325 billion yuan 3 years respectively, 1.545 billion yuan, 1.711 billion yuan, ability of this true and undesirable control still remains time tests.
A appear on the market put related concern
Suzhou bank is to be on the base that Qing Dynasty of company of couplet of collaboration of credence of country of former Suzhou urban district produces nuclear endowment, mix by 46 legal entity 3449 natural people are collective and contributive the Inc. that establish, also be the trading company of legal person city with Suzhou only area. Its equity structure is relatively dispersive, the biggest partner is Suzhou city state endowment appoint subordinate Suzhou international develops a group, up to end opposed a scale 2017 10% .
In fact, afore-mentioned shareholder structures are Suzhou bank A the road that appear on the market brought interference element, and its may be involved concern with the correlation between the orgnaization that protect Jian.
Card inspect is met up to date information shows, suzhou bank is in A IPO phase queueing up. This year on January 10, manual of this raise capital by floating shares is announced beforehand newer, plan to appear on the market in Shenzhen stock exchange, open hair does not exceed 1 billion all right, the negotiable securities that enrol business, east Wu Zheng certificate protects Jian orgnaization jointly for its.
Among them, east Wu Zheng certificate or put related concern with Suzhou bank. The data shows, chemical fibber of hair of classics of area of group of hair of country of Suzhou bank large stockholder, garden, Changjiang Delta all is east partner of Wu Zheng certificate, part of hold latter share 23.17% , 0.5% , 2.4% , aggregate hold 26.07% .
Current, card inspect can concern to this have not demur, but industry public figure becomes A to whether be being met after its appear on the market obstacle still the heart is put anxious.
Flaw accuses to also let market heart put fear inside Suzhou bank.
Before this, the bill record that Suzhou bank produces has let should cheat be ashamed all right, and caused new case again this year in July. The case information that comes from a court shows, xu Mou of manager of client of subbranch of a bank of Suzhou bank foreign river uses a post, in two years of much time, zhang Mou of in collusion with, with illicit quarter official seal, forge income proof, accumulation fund capture to put the way such as the proof, the means that borrows money with diddle early or late divert bank financing is used for oneself and other, up to case hair, experience case capital amounts to a RMB 27.2 million yuan. The time that is as long as two years many, bank respect did not discover afore-mentioned illegal act unexpectedly, must let a person oppugn its wind to control capacity.
