农业银行(01288.HK)上半年归母纯利增加4.88%至1214.45亿元
格隆汇8月30日丨农业银行(01288.HK)宣布，截至2019年6月30日止6个月，公司实现营业收入3244.67亿元人民币(单位下同)，同比增长5.36%； 归母净利润1214.45亿元，同比增加4.88%；基本每股收益为0.34元。
据悉，净利息收入是行营业收入的最大组成部分，占2019年上半年营业收入的73.2%。2019年上半年，实现净利息收入2376.32亿元，同比增加37.99亿元，其中规模增长带动净利息收入增加260.38亿元，利率变动导致净利息收入减少222.39亿元。
2019年上半年，净利息收益率2.16%，同比下降19个基点；净利差2.02%，同比下降22个基点。净利息收益率和净利差同比下降主要是由于：(1)存款业务市场竞争加剧，存款付息率有所上升；(2)加大了对普惠金融、扶贫等领域的信贷投放力度；(3)受市场利率下行影响，债券投资和存拆放同业收息率有所下降。
截至2019年6月30日，总资产为239,751.53亿元，较上年末增加13,656.82亿元，增长6.0%。其中，客户贷款及垫款净额增加10,142.48亿元，增长8.8%；金融投资增加4,027.39亿元，增长5.8%；现金及存放中央银行款项减少2,485.98亿元，下降8.9%；存放同业和拆出资金增加145.36亿元，增长2.2%；买入返售金融资产减少492.00亿元，下降13.3%，主要是由于买入返售债券减少。
截至2019年6月30日，吸收存款余额185,291.74亿元，较上年末增加11,828.84亿元，增长6.8%。从客户结构上看，个人存款占比与上年末基持平；从期限结构来看，活期存款占比较上年末下降0.5个百分点至57.7%。
2019年6月30日，考虑并行期规则后，按照《商业银行资管理办法(试行)》计量的资充足率15.48%，一级资充足率11.67%，核心一级资充足率11.13%，满足监管要求。2019年上半年，行在全国银行间债券市场成功发行人民币1,200亿元的二级资债券，主动优化调整资产结构，资净额增速高于风险加权资产增速，资充足率较2018年末上升0.36个百分点。
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