你手中的建设银行卡,就是一个宝藏

时间:2019-07-14 来源:www.mundofroufrou.com

胜博发娱乐手机版登录

In the period of changing market conditions, the bank's first quarter annual report was disclosed. In the face of the beautiful performance growth of other banks, the glory of state-owned banks is easily forgotten by people. Among them, the construction bank has only 3% of its operating income growth, and the inexplicable gives a feeling that an elephant cannot fly.

But in fact, long-term investors should not only focus on short-term, fundamental performance, but also pay attention to some long-term factors.

The arrangement of five state-owned banks needs to include several long-term core business indicators such as capital adequacy ratio, net interest margin, bad debt loss, and cost-to-cost ratio.

How do these indicators work specifically on banks?

We must first have a simple understanding of the bank: the bank is to lend some customers' money to those in need to obtain a meager spread. Then, through the levers of more than ten times, the seemingly meager spreads are enlarged to obtain profits. Of course, the money that is borrowed will always be uncollected, and these debts will eventually lead to bad debts to write off.

Therefore, based on these core indicators, it can be judged whether the bank is excellent.

The capital adequacy ratio is the most important content of the bank. It can be said that the bank's operations are all around the capital adequacy ratio. The bank's credit assets will calculate risk-weighted assets based on certain risk weights. The ratio of the assets of the bank to the risk-weighted assets gives the capital adequacy ratio. RORWA refers to the ability of banks to self-replenish capital adequacy ratios using net profit.

If bank risk-weighted assets are exaggerated too quickly, it will lead to insufficient capital adequacy. Similarly, the higher the indicator, the higher the ability of the bank to replenish its capital and the stronger its strength. According to the data, among the top five state-owned banks, the construction bank has the highest indicator.

A brief introduction to the operation mode of capital adequacy ratio is as follows: “profits replenish capital, increase capital adequacy ratio, expand risk-weighted assets to obtain more profits, more profits to replenish capital, and continue to increase capital adequacy ratio”.

xx如果规模扩张太快并且利润补充的速度无法跟上,则需要进行再融资。核心一级资本主要由普通股补充,普通股将分为股东权益。可以使用一些固定收益工具来补充一级和二级资本。为了不稀释新股东的权利,RORWA衡量银行自我补充资本充足率的能力尤为重要。

RORWA五大银行的排名分别为:建行1.86%,工商银行1.73%,农业银行1.48%,中国银行1.40%,交通银行1.29%。在此基础上,核心一级资本充足率的排名是相同的。

此外,银行的内部评级方法可以根据资产的实际损失率计算不同的风险加权权重。这和一种适合所有人的加权方法是两个概念。

7aa5d4ec32224a0290e54eea26bebbed

中国大型银行的风险加权资产和总资产比率

银行风险加权资产的不同结构将导致“风险加权资产/总资产”之间的差异。比率越低,银行就越有利。从上图可以看出,建设银行是前五大银行中最低的,甚至银行的国王招商银行也没有建设银行。

此外,通过银行的“跨境业务,规模,相互关联性,可替代性和金融机构基础设施,复杂性”,它将决定银行是否已达到全球系统重要的银行标准。如果符合标准,它将被包括在全球系统重要的银行中。

从净息差来看,可以安排:农业银行2.33%,中国建设银行2.31%,工商银行2.30%,中国银行1.90%,交通银行1.51%。

但值得注意的是,农业银行的收入与成本比率高达31.27%,远远高于其他四大银行。如果将农业银行的成本收入比调整为工商银行相同的23.91%,农业银行的管理费可节省约440亿。

建行2018年的核销额为438.79亿。农业银行的管理成本足以抵消建设银行一年的坏账。如果这部分管理费加到债务利率上,农业银行的1.62%债务终止利率将达到1.85%!

使用成本收入比率来纠正这一排名的结果是工商银行和建行不分为中博,其次是农业银行,中国银行和交通银行。

对银行更重要的是资产。进一步分为:逾期贷款,超过90天的不良贷款,核销售,五类分类和不良贷款分类。因为它是国有银行之间的比较,只比较逾期贷款和90天不良贷款率:

d7b3b0ec448e456f9aafadff39aedcc3

可以看出,逾期贷款:建行1.28%,农业银行1.70%,工商银行1.75%,交通银行1.83%,中国银行1.87%;

90天不良贷款率:建行为0.88%,农业银行为1.03%,中国银行为1.15%,工商银行为1.16%,交通银行为1.30%。

从上述比较可以看出,建设银行编制的不良贷款最少。因此,从资产质量的角度来看,建行是最好的说法绝对没问题。

一般来说,人们习惯于将股息率作为非常红的衡量标准。但在衡量股息的情况下,我们应该使用每股净资产支付比率来衡量公司支付股息的能力。

每股资产分配率=每股/每股净资产

根据该算法,可以得出结论:招商银行4.68%,交通银行4.07%,中国建设银行4.00%,工商银行3.98%,农业银行3.83%,中国银行3.58%,兴业银行3.26%。

总之,五大银行的整体业绩排名是:

1.建设银行,2。中国工商银行,3。农业银行,4。中国银行,5。交通银行。

eb6033b1559b41a4b6312798bd1e4abf

c4713cddf71b48f3881f658313d7933c

259c7317d07a406fa97c0ca458f3975d

7f3cc28de96f44a6b04a4971577f0448

17db73f42aef4e9eadbac8b41e0b272e

88f820fd366b4d35b653a10fae7dc30b

987d28b26f63441893453ec35742e928