On a monthly basis, six banks paid dividends in May, namely Zhangjiagang Bank, Ruifeng Bank, Suzhou Bank, Jiangyin Bank, Jiangsu Bank and Qingdao Bank. There were 14 in June, including Huaxia Bank, Changshu Bank, Guiyang Bank, Industrial Bank, Minsheng Bank and Nanjing Bank. In July, there were 10, of which Qilu Bank and Wuxi Bank had paid dividends, and the remaining 8 were waiting.
Banks that will pay dividends in the near future include China Construction Bank, Shanghai Bank and Qingnong Commercial Bank. According to relevant announcements, the three banks implemented equity registration on July 7 and will start paying dividends on July 8. Dividends per share of A shares of the three banks are 0.364 yuan, 0.4 yuan and 0./kloc-0 yuan (including tax) respectively.
In addition, on July 1 1, Bank of Communications, Industrial and Commercial Bank of China, Postal Savings Bank and Bank of Ningbo will register their shares and pay dividends on July 12. Dividends per share of the four banks are 0.355 yuan, 0.2933 yuan, 0.2474 yuan and 0.5 yuan respectively; On July 13, Hangzhou Bank will also pay a dividend of 0.35 yuan/share.
In addition to the above 30 banks, there are Ping An Bank, Agricultural Bank, China Bank, Shanghai Pudong Development Bank, China Merchants Bank, China CITIC Bank and other banks 10. The dividend plan of 202 1 has been reviewed and approved by the shareholders' meeting, and the announcement on the implementation of the equity distribution of 202 1 will be released later. With the announcement, it is expected that more bank dividends will be distributed in July.
In fact, in recent years, considering the demands of shareholders for returns, business development needs, regulatory requirements and other factors, the dividend ratio of several state-owned banks is above 30%. Xue Qin, managing director of ICBC, once said that a moderate cash dividend ratio and a moderate capital adequacy ratio can not only meet the current cash dividend demand, but also benefit the long-term value growth of listed companies.
In the list of cash dividends of A-share listed companies published by China Association of Listed Companies for the first time, the ranking of state-owned banks is also in the forefront. Specifically, in the list of rich returns of listed companies, seven of the top ten are banking institutions, and China Industrial and Commercial Bank, China Agricultural Bank, China Bank and China Construction Bank take the top four. Followed by China Merchants Bank, Industrial Bank and Bank of Communications, ranking seventh, ninth and tenth respectively.
12 The dividend yield of the bank exceeds 5%.
Based on the high dividend level, the dividend yield of many banks is relatively bright. The so-called dividend yield refers to the ratio of dividend to the stock price at the time of purchase, which is a simplified form of investment yield and one of the important factors to measure whether an enterprise has investment value. Dividends are mainly related to dividends and are also affected by the performance of bank stock prices.
On the whole, the dividend yield of most banks is higher than the deposit interest rate and wealth management yield, so many investors think that "buying bank stocks is better than buying wealth management". Liu Jin, President of Bank of China, said earlier that the dividend yield of the bank in 20021year was 6.99%, which was 1.2 1 percentage point higher than the previous year. Although it is not high for institutional investors, it is also a stable and reliable choice under the current complicated domestic and international situation.
"For personal financial managers and individual customers, as part of the portfolio, it is already a good choice. If you can achieve this level of income by choosing various investment tools such as wealth management products and fund fixed investment. " Liu Jin said.
In terms of bank financial yield, with the reform of interest rate marketization, the financial yield has continued to decline in recent years. According to the statistics of the research report of Guohai Securities, the weighted yield of 202 1 wealth management products fluctuates in the range of 3%~4% as a whole, and the yield fluctuation is relatively stable; However, in terms of extending the term, the yield of 202 1 wealth management products continued to decline, and the weighted average annualized rate of return was 3.55%, down 34BP from the previous year.
The China Banking Financial Market Annual Report (202 1) previously disclosed by the Bank Registration Custody Center also shows that the weighted average annualized rate of return of 202 1 bank wealth management products is 3.97% and 2.29% respectively.
This means that investment bank stocks depend not only on dividend yield, but also on the fundamentals, profitability and asset quality of banks. In recent years, banking stocks
However, most people in the industry believe that the recovery of the epidemic, policy efforts and economic recovery are still the main lines of bank investment this year. Liao Zhiming, chief banking analyst of China Merchants Securities, told CBN that if the epidemic continues to improve, real estate sales improve and the economy is expected to recover, then the banking industry may repeat the recovery after the epidemic from the third quarter of 2020 to 202 1 first quarter.
Liang Fengjie, chief analyst of Zheshang Securities Bank, also said that the increase of credit cooperatives in May was the prelude. It is expected that the quantity and quality will be improved from June to August, and the supply and demand will be booming. It is estimated that the increment of credit cooperatives will increase continuously for the first time since 2023, and the growth rate will pick up month by month for the first time. By then, the market's expectation of the sustainability of wide credit will usher in an inflection point, further catalyzing the market of the banking sector.
"Policy overweight helps the growth of the real economy, the direction of wide credit conversion is clear, and the expansion of credit scale is sustainable. At the same time, the real estate sales data picked up and the pressure on the quality of bank assets eased. Overall, the bank has a large room for future performance growth. " Caixin Securities mentioned.
Related Q&A: When does ICBC pay dividends every year? ICBC shares pay dividends every year, basically from June to July, and its share will be transferred to your stock account in cash.
Related Q&A: Can you live on dividends if you buy ICBC or BOC with 6.5438+0 million yuan? As the lobby manager of a state-owned bank, I can definitely tell you that 1 10,000 yuan is a very wise choice to buy bank shares. Safer than investment and financial management, and higher than bank interest.
China Industrial and Commercial Bank and China Bank are the six state-owned banks in China. The stock price is stable and the dividend grows every year.
654.38+00,000 can buy the stocks of these two banks, and live on stock dividends?
100000 yuan to buy shares of Industrial and Commercial Bank of China or Bank of China, how much is the annual dividend?
1. Industrial and Commercial Bank of China
ICBC's share price today is 4.8 yuan/share, and 1 10,000 can buy about 208,000 shares.
The latest dividend of ICBC shares was on March 3 this year1. Dividend every ten shares, 2.933 yuan before tax. Dividends are not taxable if they are held for more than one year.
208,000 yuan, if calculated according to the dividend of 2.933 yuan for ten shares, the total dividend is:
208,000 yuan10× 2.933 yuan = 6 1 ten thousand yuan.
Holding shares of 6.5438+0 million yuan, annual dividend of 6.65438+0 million yuan, annualized income as high as 6. 1%. This interest income can already kill all bank deposits.
A year is 6 1000 yuan, with an average of 5084 yuan per month. This income is placed in the working class, which is also above the average.
As long as it doesn't cost a lot of money, it is no problem to ensure a person's food, clothing, housing and transportation.
Like myself, working in a second-tier provincial capital city, the monthly living expenses are only more than 2,000 yuan. If you can spend 5084 yuan on your life, you can already live a pretty good material life.
2. Bank of China
The share price of Bank of China today is 3.3 yuan/share, and 1 10,000 can buy about 303,000 shares.
The last dividend paid by Bank of China was also on March 3rd1day, with a dividend of 2.2 1 share before tax. We assume that it is held for a long time, so there is no need to pay taxes.
Holding 303,000 shares, the total dividend is:
303,000 ÷ 10× 2.2 1 = 67,000
Through calculation, we can see that the dividend ratio of China Bank is higher than that of ICBC.
Holding 6,543,800+shares of Bank of China, with a dividend of 67,000 yuan. Converted into annualized income, as high as 6.7%.
The annual dividend is 67,000 yuan, with an average of 5,583 yuan per month. Although this income is not high, it can at least reach the upper-middle level of the working class.
Even if you live in a big city, as long as you don't have extra expenses to ensure a good life, there is no problem.
If you put 6.5438+0 million in the bank, how much interest can you get every year?
At present, the interest on bank deposits is particularly low, like the six major state-owned banks:
One-year fixed term, the interest is only 2. 1%. The fixed term is two years and the interest is 2.6%. Three-year fixed term, the interest is only 3.25% of mine.
The latest three-year interest rate of national debt is only 3.35%. The five-year interest rate is only 3.52%. Even for large deposit certificates of small banks, the interest will not exceed 4.0%.
In addition, like the steady financial management of banks, the expected income is also between 3.5% and 4.0%. The dividend of bank stocks is as high as 6.0%, which is much worse.
Let's calculate according to the annualized interest rate of 4.0%. The annual interest of 1 10,000 is:
1 10000× 4.0% = 40000
On average, it is only 3333 yuan per month.
Compared with the interest of five or six thousand yuan a month for buying bank stocks, the deposit interest is almost half worse.
Therefore, from the perspective of interest income alone, the dividend income of bank stocks can be said to be the interest income of bank deposits.
Bank stocks are not suitable for speculation and are suitable for long-term holding.
However, we also need to know that bank shares will be ex-dividend after dividends. How much dividends are given to you per share, how much money will be deducted from the stock.
Therefore, the share price will fall after each dividend.
If you just sell the shares you hold after dividends for the purpose of speculation, then you basically don't make money.
If you plan to hold it for a long time, then the ex-dividend has no effect on you. You can get a high dividend every year, even if the stock price keeps falling, it doesn't matter to you.
Moreover, in recent ten years, the stocks of Bank of China and Industrial and Commercial Bank of China have been relatively stable and kept in a range.
When the stock falls, it will rise slowly. Don't worry.
Bank stocks are stable, and dividend income is much higher than bank deposit interest. If you plan to hold it for a long time, live on dividends. Investing 6,543,800 yuan in China Bank or China Industrial and Commercial Bank is a very good choice.