According to the financial report disclosed by the bank, as of September 2020, the bank's capital adequacy ratio was 65,438+08.27%, the provision coverage ratio was 65,438+047.29%, and the non-performing loan ratio was 65,438+0.98%. In addition, the operating income was 449 million yuan, the net profit was 65.438+0.07 billion yuan, and the asset profit rate was 0.5%.
As the first batch of private banks established, Tianjin Jincheng Bank, after seven years of itching, is far from being like the Weizhong Bank and the online merchant bank established in batches, and has been surpassed by the latter batch of private banks, and its net profit has fallen to the third lowest among the private banks that have disclosed the 2020 annual report.
On May 20th, Tianjin Banking Insurance Regulatory Bureau approved the qualification of Manjusri Haijincheng Bank President. At this point, Jincheng Bank ushered in a new head after the president was vacant for three years. On the same day, Zhao Qian, Secretary of the Board of Directors of Tianjin Jincheng Bank, was also approved.
According to public information, Wen used to be the director of the market department of the central bank's credit information center. He has rich experience and profound insights in the development of credit data model, financial credit and risk control. After joining 360 Finance (renamed 360 Mathematics), he became the chief strategy officer and vice president.
However, although 360 Security Technology Co., Ltd. (hereinafter referred to as "360") successfully entered Tianjin Jincheng Bank in September last year, the new chairman and vice chairman who officially took office in May this year were still renewed by Gao Hezhou respectively. Liu Wei, vice chairman of Wenhe 360 Mathematics Department, is a member of the board of directors.
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After becoming the new president of Tianjin Jincheng Bank, the burden on Wen's shoulders is really heavy. According to the 2020 annual report, Jincheng Bank's annual net profit was only 43 million yuan, a sharp drop of 74.5% year-on-year, which was the biggest drop among private banks that had disclosed the annual report. Not only that, the total assets decreased instead of increasing, from 30.7 billion yuan at the end of 20 19 to 25.644 billion yuan at the end of 2020, and the asset growth rate ranked first among private banks that have disclosed annual reports.
It is also mentioned in the annual report that Tianjin Jincheng Bank will rely on the advantages of shareholders in the field of financial technology to accelerate the transformation to the Internet banking model on 20021. However, compared with the two current presidents of Weizhong Bank and Online Commercial Bank, Wen has no management experience of traditional commercial banks, and it is worth observing whether he can lead Tianjin Jincheng Bank to overtake in corners.