晋商银行(02558.HK)中期净利润增长9.2%至7.45亿元
格隆汇8月28日丨晋商银行(02558.HK)发布中期业绩,截至2019年6月30日止6个月,公司实现营业收入24.719亿元人民币(下同),同比增长2.6%;利息净收入16.67亿元,同比下降1.1%;公司股权益持有人应占净利润7.454亿元,同比增长9.2%;基本每股收益0.15元;不派中期股息。
报告期内,集团的利息净收入同比减少1.1%,主要是由于利息支出增加了4.3%,部分被利息收入增加2.2%所抵消。利息收入同比增加2.2%至43.766亿元,主要由于总生息资产的平均余额从上年同期增加5.3%至1964.459亿元,部分被总生息资产的平均收益率从2018年度6月30日止六个月4.59%下降13个基点至2019年6月30日止六个月的4.46%所抵消。
报告期内,集团来自公司银行业务的营业收入为16.198亿元,同比减少8.4%,占同期营业收入总额的65.5%。公司银行业务的营业收入下降主要是由于票据贴现业务收益率下降。上半年,集团持续提高服务公司银行客户对差异化金融产品需求的能力,亦重点发展手续费及佣金类公司银行业务及服务,不断优化业务结构,丰富产品组合。
报告期内,集团来自零售银行业务的营业收入为5.576亿元,同比增加4.9%,占同期营业收入总额的22.6%。报告期内,在业务网点全覆盖的基础上,该行致力利用先进科技手段为客户提供便捷的线上及移动金融产品和服务。该行亦持续丰富网上银行的服务种类,通过技术升级来为客户带来差异化的使用体验。此外,该行通过整合优质资源,为省内高净值人士提供专业性、综合性的金融服务;新设立的私人银行中心凭藉在家族信托领域的优质服务,荣获2019年中国金融创新奖-“十佳家族信托管理创新奖”。
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