Domestic banks earned 1.877 billion yuan a day on average last year _ | | | ICBC China Construction Bank, Bank of China News
Bankers ' pay The Beijing News (Xinhua chenyangsumanli Jin 彧) annual report released three rows. Japanese make total 1.877 billion yuan, ICBC, Bank of China and China Construction Bank, net profit in the "slow" growth. ICBC and CCB's net profit growth rate lower than 1%. After years of double-digit growth continues, three lines in the recent decade's worst performance.
ICBC's profit growth this year
According to the annual report data show that 2015 Bank after-tax profit was 179.417 billion yuan, an increase of 1.25%, or earned 492 million Yuan; ICBC net profits of 277.7 billion yuan, 0.5% over the previous year, equivalent to earn 760 million Yuan, which is Bank net profit growth for the first time "broken 1"; 2015-attribution of CCB shareholders to 228.145 billion yuan in net profit, compared to the previous year to 0.14%, Make 625 million Yuan, and its net profit growth was revealed yesterday the lowest of three big lines of the report.
Easy to fill at the analyst meeting yesterday, President of ICBC, said 2016 annual profits growth is negative it is hard to judge, and depend on both internal and external factors. External depending on the macro-economic development situation, and the impact of national policy adjustments banks, such as interest rates, increased camp changed, RRR will affect profits, depends on restructuring within innovation, risk management, annual profit plan needed "heaven help and man."
Despite the drop in net profit growth for all, but three big state-owned firms still can be considered "large".
According to the 2015 annual report, three banks, ICBC's total assets topped reach 22.21 trillion yuan, an increase of 7.8%, followed by the BOC, to 16.82 trillion yuan in total assets, an increase of 10.26%; the Bank's total assets reached 18.35 trillion, representing a growth of 9.59%.
Bank needed "earn 500 million every day"
At a performance in Hong Kong, BOC Governor Chen Siqing said, for banks to profit growth in double-digit era has passed, at present only a very small number of small volumes the Bank can ensure a high growth rate, banks now need to adapt to the growth in single digits "new normal."
Chen Siqing said Bank of China declining profit growth, due to the downward pressure on the Chinese economy on the one hand, on the other hand, banks find it difficult to support the real economy, while maintaining profit growth.
Earnings growth expectations for the future, Chen Siqing said: "I am ' desire ' in 2015, the profit level, income, cost less, hope to profit on a stable basis, perform better. "But he also said, if you want to achieve the above objectives, rows every day to achieve at least the 2016" net profit of 500 million Yuan every day "level of profitability.
Three rates of bad loans continues to increase
2015 bad rates and bad loans at State-owned banks concerned. Annual report, ICBC 2015 rate of bad loans for the year was 1.5%, up 0.37% over the previous year. Bad loans increase more areas are the Yangtze River Delta, and the Bohai Sea in the Western region.
ICBC Chairman Jiang Jianqing said yesterday that the bad loan problem now is fully capable of solving. According to Jiang Jianqing, introduction, next it will form special team clearing bad, increase the intensity of verification, test more bad management channel, bad assets securitization in the pilot.
Bank bad loan rate of 1.43%, an increase of 0.25% the end of last year, nonperforming loans totaled 130.897 billion yuan. This is the fourth year of bank rates continuing to rise. Among them, the overcapacity NPL ratio 0.31%, local-government financing platforms bad loan rate 0.04%, bad loans in real estate industry 0.8%.
Bank 2015-the new nonperforming loans concentrated in manufacturing, commercial and service industries, the real estate industry, distribution area in Shandong, Zhejiang and Guangdong provinces.
CCB's NPL ratio was 1.58%, up 0.39% from the previous year; bad loans to 165.98 billion yuan, an increase of 52.809 billion yuan from the previous year.
Focus
State-owned bank executives million annual reduction of about 50%
When it comes to annual salary on the other, however, executives from five major State-owned firms million annual salary is history, 2015 year plunged millions below. However, joint-stock commercial banks ' executive pay is expected to continue million level and above.
Yesterday, the ICBC, BOC, CCB, three were released in 2015 annual report. In 2014, compared with annual executive pay shrinking three rows.
Tian Guoli, Chairman of the Bank of China, President Chen Siqing salary shrink near 50%. According to the Bank of China annual report, 2015 the executives salary before tax 617,900 and 613,300 yuan, respectively, compared with 2014 1.1808 million Yuan and 1.0832 million Yuan respectively, shrank and 43.4%.
March 29 released late according to the annual report of the Bank annual report, Niu Ximing, President Peng Chun, Chairman of the Bank's annual salary is 525,700 respectively 2014 1.0585 million Yuan and 1.0076 million down and 48%.
Chairman, Wang Jianzhang, President zhanqi, following annual salary before tax of 598,800 Yuan and 364,600 Yuan respectively, down from 2014 annual salary of 1.15 million, 1.132 million Yuan, respectively 48% and 67.8%.
Analysts believe that the executives million annual salary has become a large State-owned line of history. August 2014 SOEs reform introduced new rules on executive pay, the Central enterprises, heads of State-owned financial enterprises pay existing salary will be cut to around 30%, after cutting cannot be more than the annual salary of 600,000 yuan. And will be implemented from January 1, 2015.
However, the relative State of executive pay, banks slightly "local tyrants". China Everbright Bank and China CITIC Bank, while failure to disclose the Bank Chairman and Governor of the year, however, executive pay has been revealed at the Vice President level, maintain more than 1 million level. China Everbright Bank, five Deputy Governors and Deputy supervisors of salary before tax of 1.296 million Yuan. CITIC Bank Executive Vice President Sun Deshun pre-tax salary of 1.978 million Yuan.
In addition, the number of joint-stock banks slightly cautious this year, has not yet been disclosure of executive pay. 8.35 million salary last year won the ping an Bank shaoping, have not been disclosed in 2015 annual salary. China Merchants Bank 2015 annual report says executives total remuneration before tax during the confirmation process, with the rest to be confirmed after the release further disclosure.
Beijing News reporter Jin 彧
Related
13 brokerage Directors pay super high average 2 million
As of March 30, 2016, have 13 brokerages released an annual report. According to the Beijing News, statistics, 13 brokerage directors, supervisors and senior managers of average salaries of more than 2 million last year.
Despite the stock market slump, brokerages last year "harvest festival".
CITIC Securities annual report, end of all the directors, supervisors and senior managers actually get paid a total 71.2737 million Yuan, the brokerage is disclosed in the most. Removed from the company's associated party on high remuneration of Directors, 19 executives disclosed last year the payment last year, CITIC Securities Directors average remuneration of 3.75 million Yuan. After sinolink securities.
Sinolink securities directors high salary for an average of 3.68 million Yuan last year, directors last year with lowest average annual salary for Southwest securities, 860,000 yuan per capita. At the same brokerage, directors high salaries varied widely, even to millions of Yuan.
Statistics show Beijing news journalists, 2015 years highest-paid brokerage executives for sinolink securities General Manager Jin Peng, Jinpeng annual salary was 9.7244 million Yuan last year, up from CITIC Securities Executive Director developing. After developing for four years won the brokerage industry, "employees", in 2014, developing pay 13.367 million Yuan, ranking the top brokerage executives. However, CITIC Securities Disclosure developing pay 9.331 million last year to HK $ 7.7914 million Yuan. Yin currently available only in the fourth place. Sinolink securities executives in front of him.
2015 sinolink securities executive pay, many brokerage executives simply cannot match. Chairman Ran Yun pay last year to 8.79 million Yuan, Ji Lu, Deputy Chief of 8.44 million Yuan, in coupon income business executives in the top three.
Sinolink securities said in a report, the company's salary in accordance with the principles of marketing design, the securities market based on the pay level and the performance of the company. Difference of salaries according to the staff capacity and performance levels, open the performance gap.
According to several brokers annual report, executives of the securities firm's performance more than 40% a year take the form of deferred payment, a deferred payment period not less than 3 years company executives receive total compensation from the company during the reporting period included 2015 has revealed the salaries, benefits and bonuses, and so on.
The Beijing News reporter Li Lei
Survey
Employees: sense pressure wages low by holding
"Since wages across the drop later, our grassroots employee suffered a serious impact on the quality of life, now rely on sense of holding, unpaid overtime every day, no less. ”
With the coming winter period in the banking industry, the major decline in banks ' net profits will not be reduced, from the President to local bank employee income will be cold season.
A large branch in the Northeast as the teller Wu told reporters, since the beginning of last year since the pay cut, from middle to junior staff, suffered a wage cut, more or less, pay slightly lower-level employees, now life is open to question. As the economy slows, local banks ' performance has also been greatly affected.
"Because the superior branch attaches great importance to, and also restricting the emergence of bad loans, so now even the issuance of credit cards is very careful, individual and private enterprises in the background of the applicant, it is difficult to apply for a credit card, also aggravated the burden of our performance in a disguised form. Sometimes had to to find rush performance, losing to complete the task. "Ms Wu said.
Wu told reporters that although the stable branch in the middle-level leadership, but there has been a number of grass-roots employees leaving, "some left the area, some went to the better business. ”
Beijing News reporter Chen Yang
Responsible editor: Ni Zi Jiang
Article keywords:Bank of China, ICBC, China Construction Bank
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国内三大银行去年平均每天赚18.77亿元|中国银行|中国工商银行|中国建设银行_新闻资讯
银行高管薪酬 新京报讯 （记者陈杨 苏曼丽 金彧）三大行年报出炉。中国银行、中国工商银行与中国建设银行日赚合计18.77亿元，但净利润陷入“龟速”增长。工行和建行的净利增速均跌破1%。在持续了多年两位数高速增长之后，三大行交上了近十年最差业绩。
工行今年利润增长难定
根据年报数据显示，2015年中行税后利润为1794.17亿元，同比增长1.25%，相当于日赚4.92亿元；工行实现净利润2777亿元，比上年增 长0.5%，相当于日赚7.6亿元，这也是中行净利润增速首次“破1”；而建行2015年度的归属股东净利润为2281.45亿元，较上年增长 0.14%，日赚6.25亿元，而其净利润增速也是昨天披露年报的三家大行中最低的。
工行行长易会满在昨天的分析师会议上表 示，2016年利润增长是正是负还很难下结论，取决于内外部两方面因素。外部取决于宏观经济发展态势，以及国家有关政策的调整对银行的影响，如利率、营改 增、存准率都会影响利润，内部取决于转型创新、风险管控，完成全年利润计划需要“天帮忙、人努力”。
尽管净利润增速全线下降，但三家国有大行仍然可算“家大业大”。
根据2015年年报，三家银行中，工行以总资产达到22.21万亿元居首，同比增长7.8%；其次是中行，资产总额达到16.82万亿元，增长10.26%；建行的资产总额则达到18.35万亿，较上年增长9.59%。
中行需“每天赚够五亿”
在香港业绩会上，中行行长陈四清表示，对于中国银行业来说，利润增速两位数的时代已经过去，目前仅有极少数小体量银行可以保证高增速，银行业现在需要适应增速个位数的“新常态”。
陈四清表示，中行利润增速的下降，一方面是由于中国经济的下行压力，另一方面，银行也很难在支持实体经济的同时，又保持利润高速增长。
对于未来的盈利增速预期，陈四清称：“我‘渴望’在2015年的利润水平上，做到收入更多，成本更少，希望利润在稳定基础上有更好的表现。”但他同时表示，如果要达到上述目标，2016年中行每天至少要达到“每天净利润5亿元”的盈利水平。
三大行不良贷款率持续增加
2015年国有银行的不良率与不良贷款余额备受关注。年报显示，工行2015年全年的不良贷款率为1.5%，比上年末上升0.37个百分点。不良贷款增加较多的地区分别是长江三角洲、西部地区和环渤海地区。
工行董事长姜建清昨天表示，现在存在的不良贷款的问题完全有能力解决。据姜建清介绍，下一步工行将组成专门的团队清收不良，加大核销力度，尝试更多的不良处置通道，不良资产证券化在开展试点。
中行方面不良贷款率达1.43%，较上年末上升0.25个百分点，不良贷款余额为1308.97亿元。这是中行不良率的第四年连续攀升。其中，产能严重过剩行业不良贷款率0.31%，地方政府融资平台领域不良贷款率0.04%，房地产行业不良贷款率0.80%。
中行2015年度新发生不良贷款行业集中在制造业、商业及服务行业、房地产业，分布地区集中在山东、浙江和广东省。
建行的不良贷款率为1.58%，较上年上升0.39个百分点；不良贷款余额为1659.80亿元，较上年增加 528.09亿元。
■ 焦点
国有银行高管百万年薪降约五成
又到了一年一度看别人家的年薪的时候了，不过，五大国有行的高管百万年薪已成为历史，2015年年薪均骤降至百万元以下。不过，股份制商业银行的高管年薪有望继续保持百万以上级别。
昨日，工行、中行、建行三大行均发布了2015年年报。相比2014年的年薪，三大行高管年薪进一步缩水。
中国银行董事长田国立、行长陈四清的年薪缩水近5成。中国银行年报显示，2015年上述高管的税前年薪分别为61.79万元和61.33万元，相比2014年的118.08万元和108.32万元分别缩水了47.7%和43.4%。
3月29日晚间发布年报的交行年报显示，该行董事长牛锡明、行长彭纯的年薪均为52.57万元，分别较2014年的105.85万元和100.76万元下降50%和48%。
建行董事长王建章、行长王祖继的税前年薪分别为59.88万元和36.46万元，分别较2014年年薪115万元、113.2万元下降了48%和67.8%。
分析认为，高管百万年薪已成为国有大行的历史。2014年8月央企高管薪酬改革新规出台，央企、国有金融企业主要负责人的薪酬将削减到现有薪酬的30%左右，削减后年薪不能超过60万元。并于2015年1月1日起执行。
不过，相对国有行的高管年薪，股份制银行略显“土豪”。光大银行和中信银行虽然均未披露该行董事长、行长的年薪，但是，副行长级别的高管年薪已经披露， 均保持100万级别以上。光大银行五位副行长和副监事长的薪酬为税前129.6万元。中信银行常务副行长孙德顺税前年薪为197.80万元。
此外，多家股份制银行今年略显谨慎，尚未披露高管年薪。去年靠835万年薪夺魁的平安银行行长邵平，尚未披露2015年年薪。招商银行在2015年年报中表示，公司高管税前薪酬总额仍在确认过程中，其余部分待确认发放之后再另行披露。
新京报记者 金彧
■ 相关
13家券商董监高平均薪酬超200万
截至2016年3月30日，共有13家券商发布年报。据新京报统计，13家券商的董事、监事和高级管理人员去年平均薪酬超过200万。
虽然经历了股市大跌，去年仍是券商的“丰年”。
中信证券的年报显示，报告期末全体董事、监事和高级管理人员实际获得的报酬合计7127.37万元，在已披露券商中是最多的。除去从公司关联方获取报酬的董监高，共有19名高管披露了去年的报酬情况，去年中信证券董监高平均薪酬为375万元。仅次于国金证券。
国金证券董监高去年的平均薪酬为368万元，去年董监高平均年薪最低的为西南证券，人均86万元。在同一家券商，董监高的薪酬差别很大，差距甚至达到几百万元。
新京报记者统计显示，2015年薪酬最高的券商高管为国金证券总经理金鹏，金鹏去年年薪为972.44万元，高于中信证券执行董事殷可。此前殷可已经连 续四年蝉联券商业“打工皇帝”，2014年，殷可的薪酬为1336.7万元人民币，位居券商高管榜首。不过，去年中信证券披露殷可的薪酬为933.1万港 元，合779.14万元人民币。目前殷可只能排在第四位。在他之前的均为国金证券高管。
2015年国金证券的高管收入令很多券商高管难以望其项背。董事长冉云去年薪酬为879万元，副总裁纪路844万元，居于券商业高管收入前三名。
国金证券在报告中称，公司的薪酬按照市场化原则设计，以证券行业市场薪酬水平及公司业绩为基础。根据员工能力及绩效水平进行薪酬差异化，拉开绩效差距。
据多家券商年报披露，证券公司高管的绩效年薪40%以上采取延期支付的方式，且延期支付期限不少于3年；公司高级管理人员报告期内从公司领取的报酬总额包括2015年度实发的工资、福利及奖金等。
新京报记者 李蕾
■ 调查
一线员工：压力大工资低 全靠责任感撑着
“自从工资全线下调以后，我们基层员工其实生活质量受到很严重的影响，感觉现在工作全靠责任感撑着了，每天无偿加班也不少。”
随着银行业寒冬期的到来，各大银行的净利润下滑趋势不减，而从行长到基层银行员工的收入也受到严寒的侵袭。
在东北地区某大行支行担任柜员的吴小姐对记者表示，自从去年开始降薪以来，行内从中层领导到基层员工，都或多或少地遭遇了工资削减，工资稍低一点的基层员工，现在每月生活都很成问题。随着东北地区经济增速放缓，当地银行的业绩也受到很大影响。
“因为上级分行很重视，也在限制不良贷款的产生，所以现在连信用卡的发放都非常地谨慎，个人和民营企业背景的申请人，很难申请到信用卡，也变相加重了我们的业绩负担。有时候不得不自己来想办法冲业绩，赔钱也要完成任务。”吴小姐表示。
吴小姐告诉记者，虽然支行内中层以上领导基本稳定，但身边已经有多位基层员工离职，“有些离开当地了，有些去了待遇更好的企业。”
新京报记者 陈杨
责任编辑：倪子牮
文章关键词： 中国银行 中国工商银行 中国建设银行
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