杭州银行(600926.SH)半年度净利润升20.22%至36.29亿元 不良贷款率1.38%
格隆汇8月27日丨杭州银行(600926.SH)发布2019年半年度报告，实现营业收入104.60亿元，同比增长25.73%；利润总额41.24亿元，同比增长24.98%；归属于上市公司股东的净利润36.29亿元，同比增长20.22%；归属于上市公司股东的扣除非经常性损益的净利润36.23亿元，同比增长20.08%；基本每股收益0.71元。
截至报告期末，公司资产总额9467.24亿元，较上年末增加256.67亿元，增幅2.79%；贷款总额(含票据贴现)3874.72亿元，较上年末增加369.94亿元，增幅10.56%；负债总额8869.86亿元，较上年末增加230.95亿元，增幅2.67%；客户存款总额5670.55亿元，较上年末增加342.72亿元，增幅6.43%；存续理财产品规模2167.87亿元，较上年末增加235.97亿元，增幅12.21%，其中净值型理财1197.48亿元，较上年末增加592.32亿元，增幅97.88%。
报告期内，公司紧扣战略转型的内在要求，积极推进业务结构调整。贷款占资产总额的比例由上年末的38.05%上升至40.93%，服务实体经济能力进一步加强；存款占负债总额的比例由上年末的61.67%上升至63.93%，负债基础更趋稳固；中间业务收入同比增幅45.43%，占比同比提高1.05个百分点，收入结构有所优化；区域发展协调性逐步增强，六大区域分行存贷款增量分别为上年同期的1.48倍、1.41倍，成为驱动增长的重要力量。
截至报告期末，公司不良贷款率1.38%，较上年末下降0.07个百分点；逾期贷款与不良贷款比例86.69%，其中逾期90天以上贷款与不良贷款比例74.67%，与上年末基本持平；拨备覆盖率281.56%，较上年末提高25.56个百分点；拨贷比3.89%，较上年末提高0.18个百分点；资本充足率13.54%，较上年末上升0.39个百分点。
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