Earn more than twice the daily earnings of 950 million yuan?Why can the Cosmic Industrial and Commercial Bank of China make money so much?

In the Bank of China market, Industrial and Commercial Bank of China is undoubtedly the superbum of the banking industry. It has the nickname of "the universe", not just the huge scale of ICBC, but also the influence of the entire market. ICBC announced its semi -annual report. In the first half of the year, it made up to 950 million money. Many people were asking why ICBC can make money so?

ICBC with a daily profit of 950 million?

According to the Daily Economic News, ICBC announced on August 30th's 2022 mid -term performance announcement on the Hong Kong Stock Exchange. According to the International Financial Report Guidelines, ICBC realized operating income of 443.8 billion yuan in the first half of the year, an increase of 4.1%year -on -year; The net profit attributable to shareholders of the parent company was 171.506 billion yuan, an increase of 4.91%year -on -year. Based on 181 days in the first half of the year, ICBC earned about 947 million yuan a day.

Just last week, PetroChina released a semi -annual report, attributable to shareholders of the parent company, a net profit of 82.391 billion yuan, a year -on -year increase of 55.3%. Based on 181 days in the first half of the year, China Petroleum made 455 million yuan, which was less than half of the "universe".

According to the announcement, since the beginning of this year, in the face of an external environment with complexity, severe, and uncertainty, ICBC has increased by 1.61 trillion yuan in the first half of the year. increase. Among them, the increase in manufacturing loans increased by 628.1 billion yuan, an increase of 3.5 times the same period last year. The balance of the long -term loans and credit loans of the investment industry exceeded 1 trillion yuan for the first time.

In the first half of 2022, the company's personal housing loan was 6.45 trillion yuan, accounting for 28.9%, a decrease of 1.9 percentage points from the end of last year. Among the company's loan, the real estate loan was 708.147 billion yuan, accounting for 5.9%, a decrease of 0.6 percentage points from the end of last year. Among them, the non -performing loan was 38.762 billion yuan, and the non -performing rate was 5.47%, an increase of 0.68 Bai'an points from the end of last year last year. , Is second only to 10.86%of the accommodation and catering industry.

2. Why can the cosmic behavior be so profitable?

To be honest, ICBC can make money at all. It is not allowed to be at all. It is not obvious to the Industrial and Commercial Bank of China that the ICBC itself is the largest commercial bank in China.

First of all, the current record of making money by ICBC is actually a normal phenomenon. The core reason is that the ICBC itself is destined to have a strong market competitiveness in the process of market development. In fact, for the current current For various commercial banks in China, since various commercial banks themselves are competitive in the same policy environment, we know that for the current market, everyone uses the same level of deposit and loan interest rates. In this situation In the case of deposit loan spread is the main market advantage of the bank, the most important role in Industrial and Commercial Bank of China will be the largest in China, and the advantage of volume will be very obvious, so we see that the larger the current large commercial banks The higher the level, the common law of most commercial banks, and ICBC is undoubtedly the largest commercial bank in China.

Secondly, in the process of development of ICBC, in fact, all the development strategies have been relatively stable. Under such a relatively stable development strategy, ICBC has always been the implementation of financial policy implementation. Throughout the market, we see that the current industrial loan of ICBC, including inclusive loan infrastructure loans, and other policy -based loans are very high. Therefore The advantages of banks are often more obvious. At the same time, for most people, everyone saving money is also more inclined to a large commercial bank like large commercial banks. It has a strong market trust on the market, especially under the current situation under the current situation Perhaps the larger the volume among various commercial banks, the stronger the state -owned background, the easier it is to gain the trust in the market, so what we see is that the speeding growth of the ICBC's business is also a reflection of the overall trust.

Third, from the perspective of long -term market development, the trend of making money from ICBC may continue. The entire Chinese commercial banking system is actually entering the state of 28 differentiated state. Occupy the market position in the market, and the original market asset quality of small and medium -sized commercial banks is not very strong. It is possible to face greater problems in the current market environment, so we see that ICBC currently compares the current comparison Good performance is not surprising at all. This is a common embodiment of the long -term market advantage of ICBC. However, for the current market, it is not necessarily good news that commercial banks make money. Maybe we still have to consider how to gradually turn the bank's money -making advantage into a real strong financial services. Maybe it is what we need to consider at present.

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