Company Study of Nanjing Bank

The loan risk of the company is higher than the average level of national commercial banks, which is shown in four points: 1 high regional concentricity, more than 90% loan of the company is in Nanjing; 2 high industry concentricity, there are just 3 industries whose separate loan is more than 10%, but their accumulated loans share 85% of the total; 3 high company concentricity, the accumulation of the top 10 loan clients amounts for more than 90%; 4 the ratio of guaranteed loan to company loan reaches 41%. Compared to the risk of company loan, the provisioning coverage ratio was just 107.2%.