广州农商银行(01551.HK)上半年净利润升8.13%至35.92亿元 拨备覆盖率为234.34%
格隆汇8月28日丨广州农商银行(01551.HK)公布，截至2019年6月30日止中期，实现营业收入人民币108.00亿元(单位下同)，同比增长32.11%；归属於母公司股东的净利润35.92亿元，同比增长8.13%；基本每股盈利0.37元。平均总资产回报率0.91%。
于期内，集团实现净利息收入77.37亿元，同比增加21.48亿元，增幅38.43%，净利息收入占营业收入总额的71.64%。主要原因，一是生息资产结构调整，贷款业务量价齐升，带动利息收入同比增加；二是整体付息率下降，使得利息支出同比减少。
2019年上半年，集团手续费及佣金净收入8.17亿元，同比减少1.49亿元，降幅15.46%主要为谘询顾问业务手续费收入减少。手续费及佣金净收入占营业收入总额的7.56%，主要是银行卡业务、代理及托管业务手续费收入。
于2019年6月30日，集团资产总额8533.46亿元，较上年末增加900.56亿元，增幅11.80%。其中贷款及垫款总额较上年末增加706.11亿元，增幅18.68%，主要是因为上半年对公贷款和票据贴现业务规模增长较快。
于2019年6月30日，集团贷款及垫款总额4,486.00亿元，较上年末增加706.11亿元，增幅18.68%。公司贷款总额3,031.98亿元，较上年末增加371.59亿元，增幅13.97%。个人贷款总额1,149.90亿元，较上年末增加66.36亿元，增幅6.12%。票据贴现总额304.12亿元，较上年末增加268.16亿元，增幅745.78%。
于2019年6月30日，客户存款6,188.64亿元，较上年末增加765.29亿元，增幅14.11%。从本集团客户结构上看，个人存款占比46.44%，存款余额较上年末增长473.33亿元，增幅19.72%；公司存款占比为46.70%，存款余额较上年末增加372.96亿元，增幅14.81%。
截至2019年6月30日，按照贷款质量五级分类，集团不良贷款率为1.40%，拨备覆盖率为234.34%。
截至2019年6月30日，核心一级资本充足率9.83%，一级资本充足率11.59%，资本充足率14.98%。
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