In many parts of the bank, I do n’t understand that our leadership has opened a business analysis. It is said that the regular deposit of the current 1.1 regular 1.1 current income is higher than the regular need to pay a lot of interest. What does it mean that she said 2.1 regular 1.1? Intersection Intersection
3 thoughts on “How to calculate the spread of banks?”
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If your colleague has a better relationship, you can ask him, this 2.1-1.1 may be a special solution that specifically refers to
The money received by the bank will be deposited to the People's Bank of China, and the People's Bank of China gives us interest rates. During the current 2.1, we are 0.35
Analysts believe that most banks supplemented the legal deposit reserve by reducing excess reserves, and money entered the "right pocket" from the "left pocket". Therefore, the three -time adjustment of the legal deposit reserve ratio has a little impact on bank profits.
Ittaid income brings unexpected joy. From the perspective of data, the "giant ax" that increases the deposit reserve ratio not only did not cut off the profitability of the bank, but brought high growth of spreads. The banking industry is unexpected.
The annual report shows that the profit capacity of banks last year has increased. The net profit increase of listed banks is mainly 30-50%, of which the growth rate of deep development, Industrial Bank and Bank of China have exceeded 50%. The growth rate of net profit is 18.02%. Net interest income is still the main source of income growth, and the increase is higher than the informal income. Statistics show that the increase in net interest income of listed banks is mainly 20-40%, and the growth rate is fast. This shows that the three -time adjustment of deposit reserve ratio has little effect on the spread of interest income, and the situation of the expected spread of spreads will not occur.
. Although the spread of deposit and loan interest income still dominates, the storage of central bank interest income has emerged, which has become an important income and the growth rate is fast. For example, CCB's "stored interest income" of 7.276 billion yuan, an increase of 9%; the Bank of China "stored and dismantle the same industry and store the interest income of the central bank" 19.205 billion yuan, accounting for 8.94%of interest income, an increase of 51.27%. As the central bank raised the deposit reserve rate three times, the bank's legal deposit reserves increased significantly. The annual reports of each bank have increased their income.
The growth of interest income from left pockets to right pocket banks mainly stems from the growth of the scale of living assets and the increase in the average yield of living assets, which means "volume and price increase".
The loan scale, bond investment, repurchase and lending, and the growth of central banks have led to a "quantity" of raising assets. Last year, the loans of major banks increased rapidly, with a growth rate of about 10-30%; bond investment and repurchase growth also increased rapidly; and the storage of central bank assets increased due to the increase in deposit reserve ratios. Last year, the deposit reserves paid on the bank increased by about 500 billion yuan.
The increase in deposits and loans, increased yields in bonds and currency markets, and increased revenue from central banks, together leading to the rise in "price" of living assets. The average yield of CCB's assets increased by 14 basis points, reaching 4.34%. Last year, the loan interest rate was only withdrawn, resulting in the expansion of deposit loan spreads; the central bank also increased the return on the currency market by increasing the interest rate of central ticket interest rates.
Another important reason is that banks flow from "left pocket" to "right pockets" with plenty of excess reserves to compensate for raised legal reserve. Moreover, the excess reserve interest rate is only 0.99%, but the legal deposit reserve interest rate is 1.89%, which is more cost -effective for banks. Based on 500 billion yuan, the bank obtained 4.5 billion yuan in interest revenue from the central bank last year.
In the root cause of the roots, the bank is still liquid, which leads to more excess deposit reserves, helping banks to resist the negative impact of the "giant ax".