转主板完成泰和小贷(01915.HK)上半年利息收入升1.7%至5550万元
格隆汇8月12日丨泰和小贷(01915.HK)公布,截至2019年6月30日止6个月,公司录得利息收入约人民币5550万元(单位下同),同比增长1.7%;税后溢利约为人民币3040万元,同比减少约12.5%;基本每股收益0.05元。
公告称,公司应收贷款的利息收入主要受两个因素影响:应收贷款每日结余及公司对客户收取的实际利率。公司应收贷款平均每日结余由2018年同期约8.243亿元增至人民币8.50亿元,主要由于公司利用以往年度产生的净利润扩大公司贷款业务规模。同时,平均年利率由2018年同期的12.5%增加至13.1%。
税后溢利减少主要由于公司由GEM转往联交所主板上市的相关开支增加约740万元所致。于2019年6月30日,公司未偿还贷款(减值亏损拨备前)结余约为8.631亿元,同比增加约2.6%。
据悉,公司拥有相对广泛的客户群,主要由扬州市或于当地落户的中小企业、小微企业及个体工商户组成。公司的客户所从事的行业众多,而大部分均属中国人民银行的三农分类。公司认为,客户所从事行业及业务的多元化,加上公司单笔贷款规模相对较小,有助于降低风险集中度及塑造更佳的定位应对不同行业的周期性业务及经济周期。截至2018年及2019年6月30日止六个月,分别向245名及246名客户授出贷款。
于2019年6月30日,公司总资产约为人民币8.609亿元,较2018年末约8.275亿元增加约4.0%,而于2019年6月30日资产净值约为8.417亿元,较2018年末约8.113亿元增加约3.7%。
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