On the evening of April 26, Bank of Guiyang (601997. SH) released the 2023 annual report, during the reporting period, the bank realized an operating income of 15.096 billion yuan, a year-on-year decrease of 3.5%; The net profit attributable to shareholders of the parent company was 5.562 billion yuan, down 8.92% year on year.
Such a decline in profits also continued to the first quarter of this year. The latest quarterly report showed that the bank realized an operating income of 3.645 billion yuan, a decrease of 2.51% over the same period last year, and a net profit attributable to shareholders of the parent company of 1.549 billion yuan, a decrease of 3.65% over the same period last year.
In terms of scale, as of the end of the reporting period, the total assets of Guiyang Bank were 688.068 billion yuan, an increase of 42.07 billion yuan or 6.51% over the beginning of the year, and it continued to maintain its position as the largest legal person financial institution in the province.
As for the year-on-year decline of net profit in 2023, Bank of Guiyang said that, first, the net interest margin was further narrowed due to factors such as the continuous interest granting real economy and the overall decline of market interest rates; Second, in order to strengthen the ability to resist risks, increase efforts to resolve non-performing assets, and accrue credit impairment losses increased.
In 2023, the non interest income of Bank of Guiyang will decrease significantly. The Bank realized non interest income of 1.52 billion yuan, a year-on-year decrease of 291 million yuan or 16.07%.
Among them, the net income of service charges and commissions was 281 million yuan, a decrease of 133 million yuan or 32.06% year on year, mainly due to the reduction of wealth management scale and the decrease of 94 million yuan in service charges of wealth management business due to market fluctuations and changes in investors' risk preferences.
It is understood that in 2023, the bank will have 165 existing financial products, with an existing balance of 64.422 billion yuan, nearly 3 billion yuan less than the existing balance of 67.358 billion yuan in 2022. Among them, the scale of fixed income products was 61.477 billion yuan, accounting for 95.43%.
The Blue Whale News found that the real estate industry is the only industry with large growth in the public loan of Guiyang Bank in 2023. Data shows that the balance of real estate loans was 37.087 billion yuan, accounting for 11.45% of the total loans, up 2.54% from the end of last year.
By industry, the non-performing loan ratio of the real estate industry in 2023 will be 2.21%, ranking third, the non-performing loan ratio of the wholesale and retail industry will be 4.07%, ranking first, and the construction industry will be 2.25%, ranking second.
Overall, as of the end of the reporting period, the total loans of Guiyang Bank were 324.041 billion yuan, and the balance of non-performing loans was 5.165 billion yuan, an increase of 1.012 billion yuan over the beginning of the year. The non-performing loan ratio was 1.59%, an increase of 0.14% over the beginning of the year.
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