邮储银行(01658.HK)上半年净利润升14.94%至373.81亿元拨备覆盖率为396.11%
格隆汇8月20日丨邮储银行(01658.HK)公布,截至2019年6月30日止6个月,集团实现归属于银行股东的净利润373.81亿元,同比增长14.94%,基本每股收益0.43元。年化平均总资产回报率0.77%,年化加权平均净资产收益率16.38%。
2019年上半年,集团实现营业收入1417.04亿元,同比增长7.02%。净利息收入1190.82亿元,同比增长6.65%。净利差为2.51%,同比下降14个基点,净利息收益率为2.55%,下降9个基点。手续费及佣金净收入93.39亿元,同比增长21.57%。
截至2019年6月30日,集团资产总额100,671.75亿元,较上年末增加5,509.64亿元,增长5.79%。其中,客户贷款总额较上年末增加4,248.08亿元,增长9.93%;金融投资较上年末增加3,743.84亿元,增长11.05%;现金及存放中央银行款项较上年末减少393.90亿元,下降3.27%;存拆放同业及其他金融机构款项较上年末减少1,012.07亿元,下降23.76%;买入返售金融资产较上年末减少950.92亿元,下降39.67%。集团个人贷款较上年末增加2,302.74亿元,增长9.93%。
截至2019年6月30日,按照贷款质量五级分类,集团不良贷款余额为383.72亿元,不良贷款率为0.82%,拨备覆盖率为396.11%。
截至2019年6月30日,核心一级资本充足率9.25%,一级资本充足率10.26%,资本充足率12.98%,均满足监管要求。
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