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“翻身仗”背后,藏着多重隐忧。

1

主业拉胯,靠副业“翻身”

渤海银行刚打了一场“翻身仗”。

2024年财报显示,渤海银行实现营业收入254.82亿元,同比增长1.94%;实现归母净利润52.56亿元,同比增长3.44%。

别看涨幅不大,能实现正向增长,已经是一种进步。

回看过往,2023年,渤海银行实现营业收入249.97亿,同比下降5.55%;净利润50.81亿,同比下降16.81%。

更早的时候,2020-2022年,渤海银行的营业收入分别为324.92亿元、291.94亿元、264.65亿元,同比增速分别为14.50%、-10.15%、-9.35%。

同期净利润分别为84.45亿元、86.30亿元、61.07亿元,同比增速分别为3.07%、2.19%、-29.23%。

遥想2019年,渤海银行营业收入更是达283.78亿元,同比增长22.4%;净利润81.93亿元,同比增长15.71%,堪称“高光时刻”。

此番扭转颓势,渤海银行靠的是什么?渤海银行董事长王锦虹给出的答案是:

得益于持续优化业务结构、升级展业模式、夯实客户基础、丰富产品谱系、凝聚创新力量。

这些字咱都认识,但放在一起愣是没看懂,堪比互联网“黑话”。

还得从财报找答案。财报显示,渤海银行业绩上涨的主要动力来自非利息净收入板块。报告期内,该业务收入约99.39亿元,增长35.20%。尤其是:

交易收益净额同比增长87.47%,金融投资净收益同比增长116.13%。

由于抓住了去年债券市场的红利,渤海银行在投资上赚了一波。

副业开花,主业就有点不够看了。

2024年,渤海银行利息净收入为155.42亿元,同比下降11.92%。这部分收入占据渤海银行总收入六成以上。

更严峻的是零售业务。财报显示,2024年渤海银行的零售业务实现收入46.08亿元,同比下降45%!

投资副业干成主业,存贷老本行却在倒退,渤海银行经历了啥?

2

净息差收窄,消费贷“埋雷”

迹象其实早已出现。

翻看2023年财报,渤海银行净息差为1.14%。

什么概念呢?和自己比,2020年的时候,渤海银行净息差一度高达2.35%。

和同行比,2023年同期,平安银行、招商银行、浙商银行、兴业银行、中信银行、光大银行、民生银行的净息差分别为2.38%、2.15%、2.01%、1.93%、1.78%、1.74%、1.46%。

就算放到A股的主要上市银行中,渤海银行的净息差也排在倒数。金融监管总局数据显示,2023年中国商业银行净息差在1.69%-1.74%之间,远高于渤海银行的1.14%。

对于以信贷业务为主业的银行来说,净息差的收窄,显然不是一件好事。

还有一个迹象,来自零售业务。

时间回到2017年,渤海银行便开始发力零售转型,通过与蚂蚁、微众和度小满等互联网平台合作,渤海银行的消费金融业务迎来飞速发展。

财报显示,2017年的时候,渤海银行的个人消费贷规模只有88亿元。到了2020年,这个数字已经来到1100亿元以上,是原来的12倍还多。

▲图源:每财网

但在那之后,政策风向陡然生变,渤海银行的消费贷开始踩下刹车。2024年,渤海银行的个人消费贷规模回到375.12亿元,相比高峰期缩减60%以上。

刹车踩住了,狂飙后遗症却没有消失。

财报显示,2024年,渤海银行的个人不良贷款规模为92.12亿元,较2023年增长了30.85亿,个人贷款不良率从2023年的2.25%上升为2024年的4.15%。

尤其是个人消费贷款不良率,2024年为12.37%,比2023年同期上涨7.93个百分点。

从整体看,2024年底,渤海银行的不良贷款率微降至1.76%。对比同行,同期招商银行不良贷款率为0.95%,兴业银行为1.07%,光大银行为1.25%。

很明显,在股份制银行中,渤海银行的不良贷款率仍处于高位。

如何进一步“排险”,是渤海银行必须面对的问题。

3

股价跌去84%,“求变”迫在眉睫

市场对渤海银行的态度,直观反映在股价上。

截至2025年4月17日收盘,渤海银行的股价是0.88港元/股,相比当年的高点已经跌去:

84%。

从市值看,渤海银行最新市值为156.31亿港元。同为股份制银行,这个市值只有招商银行的:

1/70。

要知道,渤海银行是一家全国性的股份制商业银行,网点遍布全国主要省会及重要城市。截至2024年末,该行资产总额达到1.84万亿元。

就是这样一家大银行,总市值却只有156.31亿港元,令人唏嘘。

股价之外,更多的压力还来自内部。

2024年,渤海银行多次收到监管的罚单:

2月,渤海银行烟台分行因贷后管理松懈、严重违背审慎经营原则被罚款30万元。5月,渤海银行荆州分行因违规转嫁成本问题被处以25万元罚款;南宁分行因贷款“三查”制度执行不严等问题,被罚70万元。

过去几年,渤海银行已多次收到超千万元的罚单。例如,因存在贷款资金被挪用、统计数据不真实、重大关联交易审议程序不规范等问题,渤海银行总行被罚款430万元,分支机构被罚款1230万元。

更经典的是2021年8月,济民可信集团发现,两家子公司的28亿元存款,在“不知情”情况下被渤海银行质押担保。由于存款一直被质押且屡次沟通未果,济民可信子公司向江苏无锡警方报了案,济民可信集团还公开发文“六问渤海银行”。

一家企业存入银行的钱,在未经同意的情况下就被银行悄悄地挪用了,这事足够魔幻。按照财经杂志的报道,这件事暴露出渤海银行南京分行下辖营业部在人员管理、操作环节方面存在薄弱环节。

渤海银行成立于2005年,是国内12家全国性股份行中最年轻的银行,2020年7月在香港联交所主板挂牌上市。

如今,在股价跌去84%之后,这家最年轻的股份制银行,已经来到命运的十字路口!

  来源:上证盈视频

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