As the earliest and largest urban commercial banks established in the Northeast, Shengjing's performance in the past two years has been dragged down by Evergrande. Facing the test of decline in profit and asset quality, it is also trapped in a large number of complaints.
According to commercial China View reports, the report issued by the Liaoning Banking Insurance Bureau on the Liaoning Banking Insurance Bureau showed that the "Entering Black Cat Complaint" in the second half of 2022 shows that in the second half of 2022, Shengjing Bank'sThe number of complaints ranks first in Liaoning City Commercial Bank and private banks.
The official report shows that the number of complaints of Shengjing Bank in the second half of 2022 reached 1047, an increase of 155%over the same period in the same period in 2021.In all bank institutions that were included in the statistics, Shengjing Bank's complaints ranked first.On the black cat complaint platform, there are nearly 100 complaints about Shengjing Bank.
In 2022, in addition to the amazing amount of complaints, Shengjing Bank's case -related cases were still rising significantly.According to the company's inspection APP, in 2022, there were as many as 280 judicial cases involved in Shengjing Bank, while the data was only 17 in 2021.
In terms of performance, the revenue and net profit of Shengjing Bank since 2020 have begun to decline.By the first half of 2022, Shengjing Bank's revenue and net profit still showed a downward trend.
The 2022 interim report shows that during the reporting period, the bank realized operating income of 8.081 billion yuan (RMB, Same as Sim, S $ 1.57 billion), a year -on -year decrease of 427 million yuan, a decrease of 5.0%; realizing net profit to achieve net profit;964 million yuan, a year -on -year decrease of 7.9%; net profit attributable to shareholders of the parent company was 944 million yuan, a year -on -year decrease of 8.4%.
In terms of asset quality, from the end of June 2019 to the end of June 2022, Shengjing Bank's non -performing loan balance and adverse rate have shown an upward trend as a whole.
Behind the increase in the rate of non -performing loans, the impact of real estate business is inseparable.As of the first half of 2022, Shengjing's loan on the real estate industry was 79.109 billion yuan, accounting for 13.1%of the total loan. The real estate industry has also become the third largest industry in Shengjing Bank's loan.
Shengjing Bank, which had been enthusiastic before, sued Evergrande's case, because Evergrande pledged the bank's borrowing of 32.595 billion yuan through equity pledge, and it was not paid.On November 1st last year, the subsidiary Evergrande Group Co., Ltd. received a notice from the Shenyang Intermediate Court to implement 30.99%of Xinjiang Guanghui Industrial Investment Group Co., Ltd., which was pledged to Shengjing Bank, and will repay Shengjing Bank by auction and other methods.In fact, the 32.6 billion yuan debt is equivalent to the two -year operating income of Shengjing Bank, which has a great impact on the normal operation of Shengjing Bank.
