中信银行(00998.HK)上半年净利润增长10.05%至283.07亿元
格隆汇8月27日丨中信银行(00998.HK)公布，2019年上半年，实现经营收入约931.92亿元(人民币，下同)，同比增长14.51%；利润总额344.42亿元，同比增长6.16%；归属于股东的净利润283.07亿元，同比增长10.05%；基本每股收益0.58元。
报告期内，面对复杂严峻的国内外经济金融形势，集团在2018-2020年发展规划引领下，坚定落实"回源、强合规、促转型"的工作部署，各项业务积极稳步推进。
报告期内，集团实现经营收入931.92亿元，同比增长14.51%。其中，利息净收入占比61.3%，同比上升0.1个百分点；非利息净收入占比38.7%，同比下降0.1个百分点。
集团净息差为1.96%，同比上升0.07个百分点；净利差为1.87%，同比上升0.07个百分点。集团生息资产收益率为4.33%，同比上升0.06个百分点，付息负债成率为2.46%，同比下降0.01个百分点。
报告期内，集团实现手续费及佣金净收入282.92亿元，同比增加64.30亿元，增长29.41%。其中，银行卡手续费同比增加53.64亿元，增长34.12%，主要由于信用卡手续费及收单业务收入增长所致；托管及其他受托业务佣金同比增加10.80亿元，增长45.06%，主要由于理财业务手续费收入增长所致；代理业务手续费同比增加9.19亿元，增长37.01%，主要由于代理保险手续费收入增长所致；担保及谘询手续费同比减少2.91亿元，下降10.55%，主要由于谘询顾问收入下降所致。
资产质量总体可控。截至报告期末，集团不良贷款余额661.61亿元，比上年末增加21.33亿元，增长3.33%；不良贷款率1.72%，比上年末下降0.05个百分点；逾期90天以上贷款与不良贷款比例为88.77%，比上年末下降3.64个百分点；拨备覆盖率165.17%，比上年末上升7.19个百分点；贷款拨备率2.85%，比上年末上升0.05个百分点。
此外，业务规模稳步增长。截至报告期末，集团资产总额63,988.03亿元，比上年末增长5.47%；发放贷款及垫款总额(不含应计利息)38,358.76亿元，比上年末增长6.30%；吸收存款总额(不含应计利息)40,013.79亿元，比上年末增长10.64%。
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