非上市银行陆续披露上半年业绩 首批银行盈利表现整体稳定

Core Viewpoint - The performance of non-listed banks in China for the first half of 2022 shows overall stability, with several banks reporting significant profit growth despite varying results among them [1][2][6]. Group 1: Performance Overview - As of July 20, six non-listed banks have disclosed their performance for the first half of 2022, with four banks reporting year-on-year profit growth [1][2]. - Hebei Zhengding Rural Commercial Bank achieved the highest profit growth, with a net profit of 145 million yuan, representing a year-on-year increase of 40.76% [2]. - Other banks such as Xinjiang Changji Rural Commercial Bank, Ningbo Beilun Rural Commercial Bank, and Anhui Suixi Rural Commercial Bank reported year-on-year profit growth rates of 16.79%, 12.34%, and 5.52%, respectively [2]. Group 2: Asset Scale and Growth - The disclosed banks are all local small and medium-sized banks, with asset scales around 100 billion yuan [3]. - Ningbo Beilun Rural Commercial Bank has the highest asset scale at 41.254 billion yuan as of the end of June [3]. - All banks reported asset scale growth in the first half of the year, with Hebei Zhengding, Ningbo Beilun, and Hunan Lianyuan Rural Commercial Banks seeing increases of over 10% compared to the beginning of the year [3]. Group 3: Capital Adequacy and Asset Quality - The capital adequacy ratios of the disclosed banks remained stable, with all meeting regulatory requirements and exceeding 12% [5]. - Ningbo Beilun Rural Commercial Bank reported the highest capital adequacy ratio at 13.33% as of the end of June [5]. - The average non-performing loan (NPL) rate for rural commercial banks was reported at 3.37%, significantly higher than other types of banks, with only two banks disclosing their NPL rates [4].