天津银行(01578.HK)中期纯利升9.6%至31.13亿元
格隆汇8月29日丨天津银行(01578.HK)公布，截至2019年6月30日止6个月，实现经营收入88.6亿元人民币(单位下同)，同比增加48.6%；权益持有人应占利润31.13亿元，同比增加9.6%；基本每股盈利0.51元；不派中期股息。
公告表示，2019年上半年，行实现营业收入人民币88.6亿元，较上年同期增长48.6%；实现拨备前利润人民币69.4亿元，较2018年上半年增长58.3%；实现净利润人民币31.4亿元，较2018年上半年增长9.7%，盈利能力全面提升。
平均总资产回报率0.95%、平均权益回报率12.91%，较2018年上半年分别提升0.11和0.29个百分点；拨备覆盖率达到259.71%，较2018年末上升9.34个百分点；资充足率14.69%，较2018年末上升0.16个百分点；一级资充足率10.06%，较2018年末上升0.22个百分点，核心一级资充足率10.05%，较2018年末上升0.22个百分点，其他主要监管指标全面优化，满足监管要求。表明行近年来转型创新各项措施成效持续显现。
2019年上半年，继续主动调整优化资产负债结构，在保证质量的基础上逐步扩大资产负债规模。截至2019年6月30日，行主动扩大资产投放，拓宽负债渠道，总资产和总负债分别较2018年末增长1.0%和0.7%。
在资产端继续脱虚向实，对实体经济的支持力度进一步加大，客户贷款及垫款的平均余额较2018年上半年增长21.9%；继续压降投资资产，投资证券及其他金融资产平均余额较2018年上半年下降11.8%，其中投资信托受益权、理财产品及资产管理计划等资产的平均余额较2018年上半年下降26.5%。
在负债端，大幅压缩卖出回购金融资产款项、交易性金融负债、拆入资金和同业及其他机构存放款项，其平均余额较2018年上半年降幅达21.0%；与此同时，客户存款平均余额、发行债券平均余额及向中央银行借款平均余额均实现同比增长；同业负债余额占总负债余额的比例(根据中国人民银行和中国银行保险监督管理委员会的监管口径计算，不含子公司)由2018年末的30.09%下降至2019年6月30日的29.89%。在主动调整资产负债结构的同时，持续加强定价管理。2019年上半年客户贷款和垫款平均收益率达到6.45%，较2018年同期提升了140个基点；债券投资平均收益率较2018年上半年提升94个基点。
净息差由2018年上半年的1.44%上升到2019年上半年的2.18%，提升74个基点；净利差由2018年上半年的1.12%上升到2019年上半年的1.86%，提升74个基点。净息差、净利差实现双升。
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