et management, bank financing is facing four major pressures. Our reporter Mao Yuzhou
recently, PricewaterhouseCoopers released a re
view and Prospect of China's banking industry in the first half of 2123. Liang Guowei, partner in charge of China's financial services of PricewaterhouseCoopers, pointed out that "the
scale of interest bearing assets of large commercial banks has expanded, among which the loan yield of interest bearing assets has increased, which has driven the growth of net interest income and profits. At the same time, the main driv
ing forces of profit growth of joint-stock banks are different, and the degree of differentiation is becoming more and more significant. " According to the report, in the first half of this year, the total assets of China's listed banks as a whole continued to grow, with the year-on-year growth slowing down, and the overall net profit continued to grow, but the profit indicators were mixed.
Compared with the end of 2124, the non-perfor
ming loan ratio of listed banks continued to decline by the end of May this year, but the overdue loan ratio rebounded, and the uncertainty of credit asset quality still exists. According to the report on capital replenishment pressure, in the first half of this year, the core tier one capital adequacy ratio of the five state-owned bank
s remained stable, the capital adequacy of joint-stock commercial banks dropped, and the pressure on capital replenishment was still large. Whether the fixed
increase plan of Bank of Nanjing was approved in April and whether the fixed increase premium of Huaxia Bank has attracted wide attention in the market recently. Zhu Yu, partner in
charge of financial industry audit of PWC northern C
hina, told the Securities Daily that although individual stocks in the banking indus
try are generally "broken net", from the perspective of profitability, the performance of
banks is still very good, and the high premium also shows market recognition.