China science and technology investment Zhang Yongjie
In the past two years, Sichuan Bank Co., Ltd. (hereinafter referred to as "Sichuan Bank"), Shanxi Bank Co., Ltd. (hereinafter referred to as "Shanxi Bank") and Liaoshen Bank Co., Ltd. (hereinafter referred to as "Liaoshen Bank") have been established one after another, and all three banks have absorbed and merged a number of city commercial banks in the province. Through the penetration of equity, the shareholder background of the three banks is mainly state-owned assets.
The loan-to-deposit ratio is below average.
Since 2020, three new city commercial banks have been established, all of which are merged and reorganized on the basis of the original banks. Sichuan Bank was first established. Listed on June 7, 2020, 165438+. Based on the former Panzhihua City Commercial Bank Co., Ltd. and Liangshan Prefecture Commercial Bank Co., Ltd., the first provincial-level city commercial bank in Sichuan Province was newly merged. On April 28th, 20021year, Shanxi Bank was established, and five city commercial banks including Datong Bank Co., Ltd., Changzhi Bank Co., Ltd., Jincheng Bank Co., Ltd., Jinzhong Bank Co., Ltd. and Yangquan City Commercial Bank Co., Ltd. were replaced. On June 9 of the same year, Liaoshen Bank was established, and the former Yingkou Coastal Bank Co., Ltd. and Liaoyang Bank Co., Ltd. merged. The registered capital of Sichuan Bank, Shanxi Bank and Liaoshen Bank is 30 billion yuan, 23.996 billion yuan and 20 billion yuan respectively.
In terms of shareholder background, Sichuan Bank's shareholders are mainly state-owned and private enterprises, mainly state-owned. Specifically, Sichuan Financial Holding Group Co., Ltd. holds 20%, Liangshan Development (Holding) Group Co., Ltd. holds 65,438+05%, Chengdu Tianfu Capital Investment Co., Ltd. holds 65,438+00.26%, Sichuan Yibin Wuliangye Group Co., Ltd. holds 5.5%, and Chengdu Industrial Zone Investment and Operation Group Co., Ltd. holds 5.08%. In addition, Sichuan Commercial Investment Group Co., Ltd.
The top five shareholders of Shanxi Bank are Shanxi Jin Rong Xingjin Private Equity Fund Partnership (Limited Partnership), Datong Economic Construction Investment Group Co., Ltd., Zhongrong Xinda Group Co., Ltd., Shanxi Juyuan Coal Chemical Co., Ltd. and Guangdong Aoma Electric Co., Ltd., with shareholding ratios of 63.76%, 3.27%, 65,438+0.73% and 65,438+0.6543 respectively. After the equity penetration, the largest shareholder of Shanxi Bank is controlled by Shanxi Financial Investment Holding Group Co., Ltd.
The background of shareholders of Liaoshen Bank is mainly Shenyang SASAC, Shenyang Finance Bureau, Yingkou SASAC and Liaoyang SASAC, among which Liaoning Financial Holding Group Co., Ltd. holds 52.5%, Liaoning Communications Construction Investment Group Co., Ltd. holds 25%, and Deposit Insurance Fund Management Co., Ltd., Shenyang Shengjing Jinkong Investment Group Co., Ltd. and Shenyang Financial Center Development Group Co., Ltd. hold 5% respectively.
At present, all three banks have published the annual report of 202 1. By the end of 20021,the total assets of Sichuan Bank were18482 billion yuan, the assets of Shanxi Bank were 29665438+82 million yuan, and the assets of Liaoshen Bank were 225 billion yuan. The data shows that the balance of deposits and loans of Sichuan banks is 65.438+032.422 billion yuan and 65.438+00154.3 billion yuan respectively, and that of loan-to-deposit ratio is 76.68%. The loan balance of Shanxi Bank is1610.40 billion yuan, the deposit balance is 220.6 billion yuan, and that of loan-to-deposit ratio is 7310.6%. The balance of deposits and loans of Liaoshen Bank is 65.438+0936 billion yuan and 265.438+04 billion yuan respectively, while the loan-to-deposit ratio is only 65.438+065.438+0.654.38%.
* The assets of the three banks are mapped according to the annual report data of the banks.
According to the data of China Banking Regulatory Commission, by the end of 20021,loan-to-deposit ratio, a commercial bank, accounted for 79.69%. According to the report of the Research Center of Investment Banking Department of Industrial and Commercial Bank of China, from the perspective of the profitability of commercial banks, the higher the loan-to-deposit ratio, the more interest-bearing assets, the less the debt cost and the stronger the corresponding profitability; On the contrary, it means that the profitability of banks is weak. Judging from the deposits and loans of various banks, the loan-to-deposit ratio of all three banks is lower than the average level of commercial banks, but the profitability of Sichuan Bank and Shanxi Bank is slightly better.
General profit loss
It is worth noting that among the three banks, two banks suffered losses in net profit. By the end of 20021,the operating income and net profit of Shanxi Bank were 2.705 billion yuan and-4.673 billion yuan respectively. The annual operating income of Liaoshen Bank was-474 million yuan and the net profit was-11.90 million yuan. As for Sichuan Bank, which was established earlier, its 202 1% operating income was 35 1 billion yuan, up 6 1. 1% year-on-year. The net profit was 620 million yuan, an increase of 89.97% over last year.
* The net income of the three banks is based on the data in the bank's annual report.
In Zhou's view, small and medium-sized banks are facing governance challenges in mergers and acquisitions. "If the personnel and management of small and medium-sized banks cannot be effectively integrated after reorganization, it will be difficult to achieve the goal of optimizing the ownership structure, reducing potential risks and improving operational efficiency, but the scale is inflated, and'1+1may appear.