During the reporting period, both operating income and net profit of the Bank experienced negative growth. 202 1, Liaoshen Bank realized an operating income of-474 million yuan, which was attributable to the net profit of the parent company-165438+90 million yuan. By the end of the reporting period, the total assets were 2,250.1300 million yuan, the total liabilities were 20,665,438+750 million yuan, the non-performing loan ratio was 6.02%, and the provision coverage ratio was 600. 13%.

The financial report shows that in 20021year, the bank's net interest margin and net interest margin were-1.5 1% and-1.23% respectively; Interest income was 679 million yuan, interest expenditure was 2.085 billion yuan, and net interest income was-65.438+406 million yuan. In terms of capital adequacy ratio, by the end of 20021,the Bank's core tier 1 capital adequacy ratio was 2 1.98%, tier 1 capital adequacy ratio was 2 1.98% and capital adequacy ratio was 24.98%.

For last year's negative operating income, the bank said that this was mainly caused by the upside-down interest margin, and will increase the interest margin in the future, and strive to fully resolve the liquidity risk within 1 to 2 years, turn losses into profits within 3 years, and repair the balance sheet within 3 years. In addition, the Bank will improve its asset structure and raise its income level by increasing its income; Improve the debt structure and raise the level of interest payment by reducing costs.

Bai Wenxi, chief economist of IPG, told Time Finance: "Liaoshen Bank's revenue is negative, which shows that there is something wrong with the enterprise's income model and even its business model. In this way, it is definitely impossible to maintain sustainable operation, and it is necessary to comprehensively and systematically adjust the business model, income model and cost model. The loss of net profit indicates that there is something wrong with the business environment, business model and operation level of the enterprise. Judging from the negative interest margin income described by Liaoshen Bank, it is true that there are major problems in the business environment and business model of the enterprise, so it is difficult to reverse the current predicament of the enterprise and maintain the sustainable operation of the bank only by adjusting the income model. Therefore, Liaoshen Bank may need to conduct a comprehensive review and review from the strategic level of the company and make necessary adjustments and transformations in order to gradually get out of the current predicament from the operational level. "

According to public information, Liaoshen Bank is the first provincial-level city commercial bank in Liaoning Province. It was formally established on June 7, 20021year, and was jointly initiated by eight state-owned shareholders. On September 30th, 20021year, the merger of two high-risk banks, Liaoyang Bank and Yingkou Coastal Bank, was completed to undertake the task of financial reform. Tianyancha App shows that the largest shareholder of Liaoshen Bank is Liaoning Financial Holding Group, holding 52.5%, and the second largest shareholder is Liaoning Communications Construction Group, holding 25%.

Incredibly, in 20021,Liaoshen Bank absorbed deposits 193629 million yuan, and the total amount of loans and advances was only 214.47 million yuan, while Liaoshen Bank had to pay interest of 2.085 billion yuan and earned interest income of 679 million yuan.

That is to say, in 202 1 year, Liaoshen Bank absorbed nearly 200 billion deposits, but only lent more than 20 billion.

As for why nearly 200 billion yuan of deposits only issued more than 20 billion yuan of loans, Time Finance repeatedly contacted Liaoshen Bank, but as of press time, he did not get a reply.

Bai Wenxi believes that this incident shows that the exhibition level of this bank may no longer be able to maintain normal operations. It may be that there is a major problem or crisis in corporate governance or industry supervision. We must improve corporate governance as soon as possible and resolve the regulatory crisis, otherwise the enterprise operation will not be effective. Sustained.

Specifically, in terms of deposit structure, during the reporting period, the Bank's time deposits accounted for a relatively large proportion, accounting for 82.63%, with high interest rates and great cost pressure. The proportion of individual customer deposits is also large, which is 83.7 1%, while the proportion of corporate customer deposits is only 65,438+06.29%, and the structure is not reasonable.

In this regard, Liaoshen Bank said that in adjusting the deposit structure, the following work will be carried out in the follow-up: First, clarify the work objectives. Based on the company's current operating conditions, we should start with the traditional banking business and basic business, and control the liquidity risk by increasing the scale of savings deposits in offline outlets, increasing the deposits of strategic customers and institutional customers, continuously increasing inter-bank cooperation, draining funds from the financial market, and strengthening fund management and scheduling. The second is to regard institutional deposits as the main driving force for the growth of corporate deposits. Strengthen the docking with provincial and municipal finance, state-owned assets development and reform, letters and other channels, and expand the business foundation advantages of large institutions. Third, consolidate the foundation of savings deposits and regard business outlets as an important position to increase savings deposits.

In terms of loans and advances, the balance of corporate loans and advances was 20.843 billion yuan, accounting for 97.18%; The balance of personal loans and advances was 604 million yuan, accounting for 2.82%. Personal loans and advances are divided into five categories, of which the balance of personal housing loans is 65.438+0.3/kloc-0.0 billion yuan, personal consumption loans are 40 million yuan, personal business loans are 327 million yuan, credit card advances are 30 million yuan, and others are 65.438+0.39 billion yuan.

The annual report of Liaoshen Bank did not explain the micro-loans issued during the year. However, for improving the asset structure, Liaoshen Bank said that it will start with increasing income and raise the income level. First, increase the supply of high-quality credit projects. Second, actively develop bill business and balance liquidity and profitability. The third is to do physical banking, investment banking and financial market business. Increase the proportion of high-yield assets and strengthen the ability to expand transactional non-interest income. The fourth is to start with consumer credit such as mortgage, establish a dual drainage mechanism for retail loans and wealth business, and improve the profit contribution of retail business. (It's raining in Beijing time)