Financial analysis report for the first half of the year

In daily life and work, reports are used more and more, and all the information mentioned in the report should be accurate. So do you really know how to write a good report? The following is my financial analysis report for the first half of the year. Welcome everyone to refer to it, I hope it will help you.

Financial analysis report for the first half of the year 1 1. xxxxxx Company's 20xx annual income 1-10:

1, xxx company's income from 1 to 10 reached 254,600 yuan in 20xx, including property management income of 20 1.300 yuan; The garbage removal income is 6.5438+0.92 million yuan; Parking space rental income (parking fee) is 34,654,38+0,000 yuan.

2. The following is a simple analysis of income compared with the data of the same period last year:

(1) Property management income increased by 654.38+066,5438+065,438+024 million yuan compared with last year, with a year-on-year increase of 400%; The garbage removal income increased by 1.0 1.73 million yuan compared with last year, with a year-on-year growth rate of 1 13%. The main reasons are as follows: (1) Last year, due to Liu Qiangrong's personal problems, the company lost part of its income, resulting in low income from property management and garbage removal. (2) This year, the owners of two buildings have moved in one after another, and the management level of the company has improved. The monthly property management fee can be collected in time.

(2) The rental income of parking spaces is a new charge (income) item that the company adopts to generate income by opening up sources. 20xx's parking space rental income from 65438+ 10 to 65438+ 10 has reached 34060 yuan.

⑶ The company's 20xx annual revenue increased by 205,383 yuan compared with the same period of last year, with a year-on-year growth rate of 465,438+07%.

Two. Xxxxx company 20xx June 5438-1October 65438+1October fee:

1, the management fee of xxxx company from 1 to 1 in 20xx is 584,200 yuan, of which: the salary of property employees is192,349 yuan; Cleaning fee is 4. 1.8 1 ten thousand yuan; The safety cost is 255 1, 6 1, 000 yuan; Office expenses are 279.65438+0.6 million yuan; Travel expenses are 0./kloc-0./0.43 million yuan; Amortization of low-value consumables 1.8 1 1.4 million yuan; Hospitality fee is 0.4855 million yuan; The maintenance fee is 73.64 million yuan; The telephone bill is 0.9 million yuan; The training fee is 0.459 million yuan; Material consumption is 92.82 million yuan; Other 20825 yuan.

2. The following is a simple analysis of the comparison between the main cost items and the data of the same period last year:

(1) Amortization of low-value consumables increased by 6.5438+0.4448 million yuan compared with last year, with a year-on-year increase of 394%; Compared with last year, the material consumption increased by 5630 yuan, with a year-on-year growth rate of 154%. The main reasons are: (1) power failure in the community, which requires the consumption of diesel to generate electricity; The water pipe burst several times this year, and the material consumption was high.

(2) Compared with last year, the company's employee salary decreased by RMB 76.29 million, with a year-on-year negative growth of 3.8 1%. The main reasons are as follows: (1) Last year's employees' salaries included the salaries of cleaners and security guards, while this year's1-1month did not include the salaries of cleaners and security guards. Although the number of employees has decreased, the company has increased the salary base of other employees on the job, so only internal employees are paid.

⑶ The cleaning salary increased by 465,438+0,865,438+0,000 yuan compared with last year, with a year-on-year increase of 465,438+08%; Compared with last year, the salary of security guards increased by 255,654,38+0,665,438+0,000 yuan, with a year-on-year growth rate of 255,654,38+0%. Mainly because of outsourcing, the labor cost can't be controlled.

Three. Xxxxx company financial expenses:

20xx 1 to 10 year 1 and xxxx company's financial expenses are 0.1110,000 yuan, of which bank charges are 0.0895 million yuan; Deposit interest-63,300 yuan; The account management fee is 0.404 million yuan; Others are RMB 5.25 million.

2. The financial expenses increased by nearly 40 times compared with last year. The main reason is that the account of Huibang Yongxing Branch has been closed for a period of time, and all funds have to go in and out through the property account, resulting in a double increase in financial expenses.

Four. Comprehensive analysis of xxxx property income and expenditure:

1, ①xxx company's income from 1 to 1 in 20xx increased by 2 1 ten thousand yuan compared with last year, with a year-on-year growth rate of 417%; ② The expenses increased by 280,000 yuan compared with last year, with a year-on-year growth rate of 24.6%; ③ Business tax and surcharges increased by 6,543,800 yuan compared with last year, up by 39.7% year-on-year; ④ The net profit decreased by 90,000 yuan compared with last year, with a negative growth of 36.77%.

2. Based on the above analysis, the following conclusions are drawn:

Xxxx Company was in a loss state from 20xx to 1- 10. The main reason for the loss is that although the income has increased rapidly and greatly, the expenditure is too large, especially for security and cleaning, which needs to be reduced to reduce the loss.

Financial analysis report for the first half of the year. Completion of main business indicators

(1) collection.

In that year, the newly collected amount was 979.38 million yuan, an increase of189.30 million yuan, an increase of 23.96%. The balance of housing provident fund deposit is 5019.76 million yuan, and the total amount of housing provident fund deposit in the city is 8035438+million yuan.

There are 3654 organizational units and 243969 people in the city. In that year, there were 95 new institutions and 9,866 new employees, with a monthly increase of 3.5 million yuan.

(2) extraction.

In that year, 465,438+0,536,5438+0,000 yuan and 365,438+0,673 person-times were withdrawn, a decrease of 65,438+0,466,000 yuan or 3.465,438+0% compared with the same period of last year. Among them, 52.7 million yuan was withdrawn from house purchase, 235.88 million yuan from loan principal and interest repayment, 6 17 1000 yuan from retirement,16.98 million yuan from self-occupied house decoration, 14 1000 yuan from serious illness and 4.63 million yuan from other cancellation accounts.

(3) loans.

In that year, 485.68 million yuan of housing loans were granted to 35 12 employees, a year-on-year decrease of 3.37 million yuan or 0.69%. In that year, the principal of personal loan was 2,654.38+07.38 million yuan, and the balance of personal loan was 4,296.54.38+065,438+03 million yuan, accounting for 85.48%. The individual loans overdue is 756,000 yuan, and the overdue rate is 0. 18‰. The city's personal housing loans totaled 62,682.9 billion yuan.

(4) Business revenue and expenditure.

Business income is 65,438+065,438+0,465,438+0, 400 yuan, with a year-on-year increase of 35,065,438+0,000 yuan, an increase of 44.24%; The business expenditure was 500 1 20,000 yuan, a decrease of1,140,000 yuan or 18 18% compared with the same period last year.

(5) Value-added income.

Value-added income was 64.02 million yuan, an increase of 4610.5 million yuan, an increase of 258.25%.

Second, the operating characteristics of the main business

(1) Collection: The amount of housing accumulation fund has increased steadily. Mainly because: first, the base of provident fund deposit has increased, and the amount of collection has increased; Second, there are many new units and depositors.

(2) Withdrawal: Compared with the same period of last year, the withdrawal amount in the first half of last year decreased by 654.38+0466 million yuan, because 73 million yuan was withdrawn in the first half of last year to support the resettlement of Pingshan County, and there was no such withdrawal this year. This year's loan repayment withdrawal amount increased by 57.7 million yuan compared with the same period of last year.

(3) Loans: The interest rate of individual loans has steadily decreased, the intensity of loan issuance has decreased compared with the previous year, the risk of capital use has decreased, and the controllability has improved. It is mainly related to the policy of restricting the purchase of the whole real estate market and other policies to curb investment demand. In the first half of this year, the real estate in our city was not prosperous, which slowed down the momentum of loan issuance.

(IV) Value-added income: In the first half of this year, the value-added income increased by 46,654.38+0.5 million yuan compared with the same period of last year, with an increase of 258.25%, mainly because the deposit and loan interest rate was lowered by 0.25 percentage point on June 8, and the interest payable to employees was adjusted to about 654.38+0.5 million yuan from July last year to May this year.

Three, the main problems in the operation of provident fund

(A) shrinking loans led to an increase in capital surplus.

Recently, the transaction volume of Yibin real estate is relatively small, and developers and buyers are holding money to wait and see, which leads to a decline in the transaction volume of Yibin real estate market and a contraction in the amount of provident fund loans. Compared with previous years, the fund balance in the first half of this year reached 296 million yuan.

(B) the impact of policy factors on value-added income.

The interest payable on employee housing provident fund shall be calculated and paid according to the listed interest rate on June 30th each year. On June 8, the central bank lowered the deposit and loan interest rates. Due to the timing of interest rate adjustment, the accrued "employee interest payable" was adjusted at one time, which was about 65,438+0,000,000 yuan less than the expected interest, and the value-added income increased by about 65,438+0,000,000 yuan. It is estimated that there will be 1-2 interest rate cuts during the year, which will greatly exceed the value-added benefits by the end of the year.

Four. Suggestions for the second half of the year

(1) Pay attention to the trends of national regulatory policies and evaluate the possible impact on the Center. Proceed from the direction and policy of capital use, actively and steadily formulate corresponding measures to reduce the risk of future capital use in a planned way.

(2) Solicitation: First, implement the organizational system of non-public enterprises in a focused and step-by-step manner; The second is to seize private enterprises with good economic benefits and many employees, strengthen administrative law enforcement, and urge private enterprises with good economic benefits to establish a housing provident fund system; The third is to increase the collection of provident funds and put an end to arrears of more than three periods.

(III) Capital utilization: It is estimated that there will be 1-2 interest rate cuts during the year, which will further increase the spread space and the value-added income will far exceed expectations. It is necessary to make a good distribution plan for value-added income in advance, pay close attention to the trend of interest rates, strengthen the overall arrangement for the use of funds in the city, and ensure the efficient and safe operation of funds.