交通银行(601328.SH)半年度净利润升4.85%至427.49亿元 不良贷款率为1.47%
格隆汇8月27日丨交通银行(601328.SH)发布2019年半年度报告,实现营业收入1181.80亿元,同比增长16.02%;利润总额489.59亿元,同比增长3.14%;归属于母公司股东净利润427.49亿元,同比增长4.85%;归属于母公司股东扣除非经常性损益后的净利润426亿元,同比增长4.79%;基本每股收益0.54元。
报告期内,集团实现利息净收入700.62亿元,同比增加人民币94.04亿元,在营业收入中的占比为59.28%,是集团业务收入的主要组成部分。
利息净收入同比增长15.50%,净利差和净利息收益率分别为1.48%和1.58%,同比分别上升18个和17个基点, 其中第二季度净利差和净利息收益率环比分别下降2个和3个基点。
手续费及佣金净收入是集团营业收入的重要组成部分。报告期内,集团继续大力推动盈利模式转型,收入来源更趋多元化。报告期内,集团实现手续费及佣金净收入231.22亿元,同比增加人民币19.40亿元,增幅9.16%。银行卡类业务和管理类业务是集团手续费及佣金收入的主要增长点。
集团业务及管理费为327.05亿元,同比增加41.32亿元,增幅14.46%;集团成本收入比为29.05%,同比下降0.21个百分点;如进一步对债券利息等收入免税影响进行还原,成本收入比将较29.05%下降2个百分点左右。
报告期末,集团不良贷款率为1.47%,较上年末下降0.02个百分点;拨备覆盖率为173.53%,较上年末上升0.40个百分点。
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