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Bohai bank million level fines continue: Li Volta said that the governance is perfect, the growth rate is declining

2020-11-08 09:45:21 BEDO Finance

In recent days, , Bohai bank was informed again .11 month 6 Japan , The information on self-discipline punishment released by China Association of interbank market dealers shows that , Bohai bank has violated the relevant self-discipline management rules of the inter-bank market , Talked to and ordered to rectify by the dealers association .

According to the disciplinary information , Bohai bank as the main underwriter of debt financing instruments , The working papers related to bookkeeping and filing of relevant debt financing instruments are not properly kept , The internal supervision and control system of bookkeeping and filing has not been effectively implemented , Internal oversight is not involved in collective decision making 、 Give a written opinion , Violation of the relevant self regulatory rules of the interbank market .

 Bohai bank's million level fines continue to : Li voltammetry says management is perfect , The growth rate is declining

 

According to the relevant self-regulation regulations , the 2020 In the first 11 At the meeting of self-discipline punishment , The association of China interbank market dealers has admonished Bohai bank , It is ordered to carry out comprehensive and in-depth rectification for the problems exposed in this incident .

meanwhile , Everbright Bank for the same reason , According to the relevant self-regulation regulations , the 2020 In the first 11 At the meeting of self-discipline punishment , I was admonished by China Association of interbank market dealers , It is ordered to carry out comprehensive and in-depth rectification for the problems exposed in this incident .

according to the understanding of , Bohai bank is the first joint-stock bank headquartered in Tianjin , This year 7 month 16 Listing on the Hong Kong Stock Exchange , Issue price 4.8 The Hong Kong dollar / stocks .IPO On the first day , Bohai bank's share price fell below the issue price . According to the results of the sale announced by Bohai bank before , The bank has less than 60% of its subscription in Hong Kong .

 Bohai bank's million level fines continue to : Li voltammetry says management is perfect , The growth rate is declining

 

performance ,2020 In the first half of , Bohai bank realized operating income 160.45 One hundred million yuan , Year-on-year growth 19.25%; Net profit 50.47 One hundred million yuan , Year-on-year growth 2.52%; Realization of net assets per share attributable to shareholders of the bank 4.68 element , Year on year 2019 Year end growth 7.83%.

Bedouin found that , Bohai bank 2020 In the first half of this year, although the scale of revenue increased sharply , But the growth rate of net profit is far lower than that of revenue . Taken together , Whether it's revenue growth , Or the growth rate of net profit is declining . data display , The bank 2019 Annual revenue 、 The year-on-year growth rates of net profit were respectively 22.27%、15.7%.

It is also understood that , The operating performance data published in the prospectus of Bohai bank and the official website of the bank 2019 The annual performance does not match . before , The results published on the bank's official website show that , The bank 2019 Annual revenue 282.82 One hundred million yuan , Year-on-year increase 22.04%; Net profit 83.36 One hundred million yuan , Year-on-year growth 17.73%.

In terms of asset quality , data display , By 2020 year 6 end of the month , The bad loan rate of Bohai bank 1.78%, And 2019 Year end flat , a 2018 Year end decline 0.06 percentage . According to the results , By 2020 year 6 end of the month , The bad loan of Bohai bank is 145.62 One hundred million yuan , More than the beginning of the year 19.72 One hundred million yuan .

And as of 2015 year 、2016 year 、2017 year 、2018 end of the year , The non-performing rate of Bohai bank is 1.35%、1.69%、1.75%、1.84%. In this way , As the asset scale of Bohai bank increases , The ratio of non-performing loans and the scale of non-performing loans are rising .

In the course of doing business , Bohai bank frequently receives regulatory penalties . This year, 10 month 9 Japan , Jiangsu Banking and insurance regulatory bureau announced 3 Tickets , All related to Bohai bank . The ticket shows , Bohai bank subsidiary Nanjing branch and Suzhou Branch , Fined and warned for a number of violations , The total penalty is about 200 Ten thousand yuan .

 Bohai bank's million level fines continue to : Li voltammetry says management is perfect , The growth rate is declining

 

This year, 9 month 8 Japan , The information disclosed by Chengdu Branch of the people's Bank of China shows that , Bohai Bank Chengdu Branch due to false report 、 Concealing Financial Statistics , And violation of account management regulations , Chengdu Branch of the central bank warned , And be fined 68.1 Ten thousand yuan ,3 The total number of directly responsible persons was fined 4 Ten thousand yuan .

As early as 2018 year , Bohai bank also received a huge fine from the China Banking and Insurance Regulatory Commission . The ticket information shows , Bohai bank has seriously violated prudential operation rules due to internal control management 、 Financial services risk isolation is not in place 5 There are illegal facts , Fined by the CIRC 2530 Ten thousand yuan .

Earlier this year , Bohai bank has also received more than 100 A ten thousand dollar ticket . among , Including the central branch of the Central Bank of China Zhengzhou once fined Zhengzhou branch of the bank 290 Ten thousand yuan ; Hangzhou branch was fined 163.2 Ten thousand yuan , Shaoxing Branch was punished 100 Ten thousand yuan , Fuzhou branch was punished 180 Ten thousand yuan, etc .

It is worth mentioning that , This year, 10 month , Li va'an, chairman of Bohai bank, also wrote that , Bohai bank has established a more perfect corporate governance structure 、 Business decision system 、 Corporate governance system and operation mechanism , And committed to creating a good corporate governance culture .

According to public information , The top management of Bohai bank includes Li va'an, chairman of Bohai bank 、 President Qu Hongzhi , And vice president Li Yi 、 Wu Siqi 、 Du gang 、 Zhao Zhihong, Secretary of the board of directors and chief risk management officer, etc . among , Zhao Zhihong intends to take up the post of vice president of the bank , Du Gang is also the co Secretary of the bank .

according to the understanding of , The term of office of president of Bohai bank is less than one year . This year, 1 month , The CBRC officially approved Qu Hongzhi's qualification as president of Bohai bank , Just announced that Bohai bank ushered in a new president . before , The post of president of Bohai bank was vacant for more than half a year , The last president, Fu Gang, was due to his age 2019 year 5 The Moon leaves office .

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