浙商银行(02016.HK)上半年净利润增长16.07%至75.28亿元
格隆汇8月9日丨浙商银行(02016.HK)公布中期业绩,2019年1-6月,公司实现营业收入225.74亿元人民币(下同),同比增长21.39%;归属于股东的净利润75.28亿元,同比增长16.07%;基本每股盈利0.36元;不派中期股息。
公告表示,报告期内,集团经营效益持续提升,业务结构调整优化。截至报告期末,集团资产总额17,372.69亿元,比上年末增加905.75亿元,增幅5.50%。其中:客户贷款及垫款总额9,327.02亿元,比上年末增加674.70亿元,增幅7.80%;客户贷款及垫款净额占资产总额的51.92%,比上年末提升1.09个百分点。负债总额16,281.82亿元,比上年末增加839.36亿元,增幅5.44%。其中:客户存款10,499.45亿元,比上年末增加751.75亿元,增幅7.71%;客户存款占负债总额的64.49%,比上年末提升1.36个百分点。
资产质量保持优良。截至报告期末,集团不良贷款率1.37%,比上年末增加0.17个百分点;拨备覆盖率239.92%,比上年末减少30.45个百分点;贷款拨备率3.29%,比上年末增加0.04个百分点。
资本充足率保持稳定。截至报告期末,集团资本充足率13.32%,比上年末下降0.06个百分点;一级资本充足率9.89%,比上年末提高0.06个百分点;核心一级资本充足率8.52%,比上年末提高0.14个百分点。
此外,2019年上半年,集团紧紧围绕“两最”总目标,转变发展方式、调整优化结构、强化客户基础、防范化解风险、提升经营绩效。2019年上半年,集团实现归属于本行股东的净利润75.28亿元,同比增长16.07%,年化平均总资产收益率0.91%,年化平均权益回报率16.03%。营业收入225.74亿元,同比增长21.39%,其中:利息净收入159.51亿元,同比增长37.10%;非利息净收入66.23亿元,同比下降4.87%。营业费用60.64亿元,同比增长8.84%,成本收入比25.80%。计提信用减值损失77.65亿元,同比增长52.90%。所得税费用11.20亿元,同比下降22.03%。
2019年上半年,利息净收入159.51亿元,同比增加43.16亿元,增长37.10%,占营业收入的70.66%。利息收入387.50亿元,同比增加41.80亿元,增长12.09%;利息支出227.99亿元,同比减少1.37亿元,下降0.60%。净利差和净利息收益率分别为2.01%和2.34%,同比分别增加0.36个百分点和0.54个百分点。
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