The biggest bank ticket in the year was issued by the regulators.
On January 28, Qingdao rural commercial bank was fined 44.1 million yuan for serious imprudence in real estate loan management, and 28 relevant responsible persons were also punished.
Qingdao rural commercial bank was fined 44.1 million yuan
On January 28, Qingdao Rural Commercial Bank Corporation(002958) was fined 44.1 million yuan by Qingdao banking and Insurance Regulatory Bureau due to a number of problems, according to the disclosure form of administrative punishment information disclosed on the website of Qingdao banking and Insurance Regulatory Bureau.
Specifically, the facts of violation of laws and regulations mainly include inaccurate five-level classification of loans, inadequate risk control after investment in investment business, ineffective control of employee behavior, issuance of bank acceptance bills for loan to margin, lack of effectiveness of data governance, misappropriation of liquidity loans, serious imprudence in real estate loan management Credit card overdraft funds flow into non consumer areas, etc.
In addition, 28 relevant responsible persons of the bank were also punished. Among them, many personnel were warned; In addition, Ding moulai, Jia mougang, Wang mouhua, Jiang and Liu Moulin were warned and fined a total of 660000 yuan; Meng moujie was banned from working in the banking industry for life.
Qingdao rural commercial bank:
most problems have been rectified
On the same day, Qingdao rural commercial bank issued an announcement explaining that, “This regulatory punishment comes from a number of inspections organized by the regulatory authorities in recent years. At present, most of the problems have been rectified. Regulatory inspection is an important means to ensure the stable operation of the banking industry, and the bank will fully accept the inspection punishment. In the next step, the bank will further focus on the main responsibility and main business, deepen structural adjustment, strengthen compliance management and promote the overall development through problem rectification The management level has been continuously improved and maintained steady and sound development. “
It is worth noting that the illegal loan business has become a major “disease” of Qingdao rural commercial bank. In October 2021, Qingdao Rural Commercial Bank Corporation(002958) received a 2 million fine from Qingdao banking and Insurance Regulatory Bureau due to serious imprudence in real estate loan management.
Qingdao Rural Commercial Bank Corporation(002958) share price “keeps falling”
It is understood that the predecessor of Qingdao rural commercial bank is Qingdao rural credit cooperatives with a development history of more than 60 years. In 2012, the former four rural cooperative banks of Huafeng, Chengyang, Huangdao and Jimo, four rural credit unions of Jiaozhou, Jiaonan, Pingdu and Laixi and nine units of Qingdao Municipal Association officially established Qingdao rural commercial bank. It was listed on the Shenzhen Stock Exchange in April 2019.
After the listing, Qingdao Rural Commercial Bank Corporation(002958) share price once surged to 10.04 yuan / share, but the share price fell endlessly in the following days. Except for a wave of rapid rise in early July 2020, the share prices of Qingdao Rural Commercial Bank Corporation(002958) at other times showed a trend of shock decline.
In order to stabilize the stock price, Qingdao Rural Commercial Bank Corporation(002958) ‘s directors and executives increased their holdings of their own bank shares out of their own pocket. In June last year, Qingdao Rural Commercial Bank Corporation(002958) disclosed the stock price stability plan. The shareholders holding more than 5% of the bank will serve as directors (excluding independent directors) and senior managers in time. They will increase their holdings of Qingdao Rural Commercial Bank Corporation(002958) shares through centralized bidding trading through the trading system of Shenzhen Stock Exchange. The cost of the stable share price scheme of Qingdao Rural Commercial Bank Corporation(002958) will not be less than 51 million yuan.
So far, the stock has reported 3.74 yuan, with a total market value of 20.8 billion yuan.
According to the third quarter report of 2021 disclosed by Qingdao Rural Commercial Bank Corporation(002958) , the bank achieved an operating revenue of 8.432 billion yuan in the first three quarters, a year-on-year increase of 19.34%; The net profit attributable to shareholders of listed companies was 2.733 billion yuan, a year-on-year increase of 10.48%. Among them, the operating revenue in the third quarter was 2.929 billion yuan, a year-on-year increase of 44.87%; The net profit attributable to shareholders of listed companies was 1.068 billion yuan, a year-on-year increase of 7.98%.
In addition, by the end of the third quarter, Qingdao Rural Commercial Bank Corporation(002958) total assets were 429.143 billion yuan, an increase of 5.49% over the end of 2020; Loans and advances totaled 232.218 billion yuan, an increase of 6.60% over the end of the previous year; The provision for loan losses (including discount) was 10.627 billion yuan, an increase of 21.55% over the end of the previous year; Total liabilities amounted to 394.325 billion yuan, an increase of 4.57% over the end of the previous year; Deposits received were 269.830 billion yuan, an increase of 7.63% over the end of the previous year; The net assets attributable to the shareholders of the parent company were 33.932 billion yuan, an increase of 17.65% over the end of the previous year; The net asset per share attributable to the common shareholders of the parent company is 5.21 yuan.
