Special topic: Ping An Bank's "salary cut for all employees"? First discount of employee performance bonus
Recently, the financial drama "City in the City" hit the air, which also put banking practitioners back in the "spotlight". High salaries of financial institutions have become a hot topic again. Recently, with the disclosure of annual reports of listed banks nearing the end, the salary situation of each bank in 2023 has also surfaced.
According to the statistics of Choice, among the 38 A-share listed banks that have published their annual reports in 2023, the total compensation expenditure is 929.5 billion yuan, the total number of people is 2.49 million, and the per capita income level of the banking industry is about 373000 yuan. From the perspective of per capita remuneration, most banks' per capita remuneration remains above 300000 yuan. Compared with last year, the per capita salary of 20 banks declined year on year.
However, the "highest paid employees" of the bank, representing the "ceiling" of migrant workers, still occupy the highland. According to the financial reports of some Hong Kong listed banks, Bank of Communications 、 Bank of China The two banks have employees whose salaries exceed 20 million yuan. There are also many banks with employees whose salaries exceed one million yuan.
The insiders believe that with the gradual improvement of the deferred payment and recourse deduction system of performance pay in the near future, the bank's "reverse wage" team is also growing, and the bank's salary system may have more room for change in the future.
The average salary of 20 banks decreased
According to the statistics of Choice, among the 38 A-share listed banks that have published their annual reports in 2023, the total compensation expenditure is 929.5 billion yuan, the total number of people is 2.49 million, and the per capita income level of the banking industry is about 373000 yuan.
However, there is a significant difference in the per capita salary among banks. In 2023, the highest per capita salary in the industry will be Bank of Jiangsu , the per capita salary is 607400 yuan, the minimum value is Changshu Bank The per capita salary is 316300 yuan. The distance between the two is 291100 yuan.
Specifically, in 2023, there will be 11 banks whose per capita salary will reach 500000 yuan, which is the same as that in 2022. Among them, Bank of Jiangsu ranked first and was the only listed company with an average salary of more than 600000 yuan. However, those who dominated the list for many years CITIC Bank In 2023, the salary per capita will be 595400 yuan. The other nine banks are mostly joint-stock banks and city commercial banks, respectively Zheshang Bank 、 China Merchants Bank 、 Bank of Nanjing 、 Industrial Bank 、 Bank of Ningbo 、 Bank of Hangzhou 、 Shanghai Rural Commercial Bank 、 Minsheng Bank 、 Bank of Beijing 。
In terms of classification, the per capita salary of state-owned big banks is generally between 300000 yuan and 400000 yuan. Bank of China agricultural bank 、 Industrial and Commercial Bank of China , Bank of Communications bank for economic construction 、 Postal Savings Bank The per capita salary was 3553900 yuan, 3356600 yuan, 3391700 yuan, 4414100 yuan, 3545900 yuan and 3422900 yuan respectively. Most of the joint-stock banks have a per capita salary of more than 450000 yuan, except for the "high salary banks" with 500000 yuan, such as Zhejiang Merchants Bank, China Merchants Bank, Industrial Bank and Minsheng Bank, Ping An Bank 、 Everbright Bank The per capita salary of RMB 4801300 and RMB 4604100 respectively.
It is worth noting that, compared with 2022, the per capita salary of 20 listed banks in 2023 will decline by 0.02%~14.36%. Among them, 7 enterprises have experienced per capita salary decline for two consecutive years.
Further, there are 6 listed banks whose per capita salary declined by more than 6%, respectively Bank of Shanghai Bank of Hangzhou, Bank of Nanjing Changsha Bank Ping An Bank, CITIC Bank. In terms of amount, there are two banks with per capita salary reduction of more than 70000 yuan. In 2023, the per capita salary of Bank of Shanghai will be 4414900 yuan, down 74000 yuan year on year; In 2023, the per capita salary of Bank of Hangzhou will be 5177600 yuan, a year-on-year decrease of 71700 yuan.
There were also 17 listed banks whose per capita salary increased by 0.23%~9.43%. The reporter noticed that there were 7 companies whose growth rate was more than 5%. The most significant growth is Concord Bank In 2023, the average salary per employee of the Bank will be 36971 yuan, an increase of 31900 yuan or 9.43% year on year. Among the banks with an increase of more than 5%, the only state-owned bank is Bank of China, whose per capita salary will increase by 5.99% in 2023.
There are bank workers whose salary exceeds 23 million yuan
In addition to the "average" salary, how about the actual salary of "migrant workers" in each line? Where is the "ceiling" of bank workers?
The financial reports of some Hong Kong listed companies disclosed the five highest paid people, and the reporter also selected 13 banks listed in both A shares and H shares for statistics.
From the disclosure content, about three banks have employees whose salaries exceed 10 million yuan, all of which are state-owned big banks, including Bank of China, Bank of Communications and Agricultural Bank of China; Most of the highest paid employees in joint-stock banks are paid around 3 million to 10 million yuan; The maximum salary of most urban commercial banks is below 3 million yuan.
Among them, the highest salary for a single person is Bank of China. According to the 2023 financial report, the total salary of the "top five" in the bank will be 62 million yuan in 2023, including one salary of 20 million yuan to 25 million yuan, two salaries of 10 million yuan to 15 million yuan, and two salaries of 5 million yuan to 10 million yuan.
The salary is deducted individual income tax The remuneration mainly includes basic salary and allowance, discretionary bonus, pension plan contribution and others. Among them, discretionary bonus accounts for more than 60%.
It is worth noting that in the financial report, the Bank of China pointed out that none of the five highest paid employees were directors or supervisors. The reporter noticed that in 2023, the pre tax salary of Ge Haijiao, the chairman of the Bank of China, was only 676300 yuan, and the pre tax salary of Liu Jin, the vice chairman and president, was 900000 yuan, far lower than those of the above people.
Bank of Communications also has tens of millions of annual salary employees. According to the financial report, in 2023, the salary range of the bank's highest paid person will be 23 million yuan to 23.5 million yuan; In addition, there are 4 employees whose salary range is more than 20 million yuan. The number of highly paid employees increased significantly compared with last year. In 2022, only two employees will be paid more than 20 million yuan.
In addition, among state-owned banks, Agricultural Bank of China also has an employee whose salary ranges from 10.5 million yuan to 11 million yuan; The salary range of the highest paid staff of CCB is 8 million yuan to 8.5 million yuan; The salary of the highest paid staff of Postal Savings Bank ranges from 3 million yuan to 3.5 million yuan.
Unlike the top five salary earners in big banks, most of them are not directors or supervisors. In small and medium-sized banks, the top five people with the highest salary can often see the presence of directors and supervisors. with BANK OF QINGDAO For example, according to the 2023 financial report of the Bank, the five highest paid persons include two directors and three supervisors of the Bank. Jing, the chairman and executive director, received the highest total pre tax remuneration of 2.5239 million yuan during the reporting period.
The reverse wage team is lengthened
Another notable change in the remuneration of listed banks is that more listed banks have begun to announce the specific situation of "reverse wage seeking". In 2022, only a few banks, such as China Merchants Bank, Bohai Bank, Jiujiang Bank, etc., announced the specific situation of performance pay recourse deduction, but in 2023, according to incomplete statistics by reporters, so far, there have been Bank of China, China Merchants Bank, Bohai Bank, Harbin Bank, Bank of Tianjin, Weihai Bank, Bank of Gansu The Bank of Hunan and other 11 listed banks announced the performance pay recovery and deduction in detail in their annual reports, and the cumulative amount of "reverse compensation" was nearly 100 million yuan.
Among them, China Merchants Bank has the highest total amount of "reverse pay recovery" in 2023, with a total amount of 43.29 million yuan of performance related pay recovery, involving 4415 employees who implement performance related pay recovery. The amount of "reverse salary seeking" of Bank of China and Bohai Bank last year was also more than 10 million yuan, respectively 22.75 million yuan and 23.44 million yuan. Harbin Bank, Hunan Bank, Dongguan Rural Commercial Bank and Bank of Tianjin have "reverse salary discussion" scale of more than one million yuan, which are 4.7 million yuan, 3.65 million yuan, 1.73 million yuan and 1.74 million yuan respectively.
The reporter noticed that the amount of "reverse wage" in many of these banks increased significantly compared with last year. Bohai Bank will recover 23.44 million yuan of performance related compensation in 2023, up about 5.84 million yuan from 17.6 million yuan in 2022; In 2023, Dongguan Rural Commercial Bank will deduct a total of 1.728 million yuan from its performance pay, 1.6 times more than 660000 yuan in 2022.
Behind the "reverse pay collection" of many banks is the gradual improvement of the deferred payment and recourse deduction system of performance pay. The deferred payment and recourse deduction system of performance pay generally means that if senior executives and employees who have a direct or important impact on risks fail to be diligent and responsible within their own responsibilities, and major violations of laws and regulations occur or major risk losses are caused, financial enterprises can not only stop paying part or all of the unpaid pay, And the paid performance pay can be recovered.
In 2021, the original CBRC issued the Guiding Opinions on Establishing and Improving the Performance Compensation Recourse and Deduction Mechanism of Bancassurance Institutions, further improved the relevant provisions of the performance compensation recourse and deduction mechanism, and continued to carry out on-site inspection and evaluation of the deferred payment of compensation. On August 2, 2022, the Ministry of Finance announced the Notice on Further Strengthening the Financial Management of State owned Financial Enterprises, which once again clearly proposed to establish and improve the salary distribution deferred system and the accountability and pay recovery mechanism, which stipulates that this system is also applicable to resigned and retired personnel.
"It is very important for the development of the financial industry to establish and improve the mechanism of deferred payment and recourse deduction for salary distribution. In the future, the bank will form a normalized mechanism of 'reverse wage collection'." Liao Hekai, an analyst of Jinle Function, told the First Finance reporter that the above mechanism can avoid the loss of long-term interests of the company due to short-term interests, It is an important means to improve corporate governance and risk control.
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