中国银行(601988.SH)半年度净利润升4.55%至1140.48亿元
格隆汇8月30日丨中国银行(601988.SH)发布2019年半年度报告，实现营业收入2767.33亿元，同比增长10.06%；利润总额1525.58亿元，同比增长7.46%；归属于母公司所有者的净利润1140.48亿元，同比增长4.55%；扣除非经常性损益后归属于母公司所有者的净利润1134.59亿元，同比增长4.79%；基本每股收益0.38元。平均总资产回报率(ROA)1.12%，净资产收益率(ROE)14.56%。
上半年，集团实现利息净收入1816.84亿元，同比增加92.33亿元，增长5.35%。净息差为1.83%，比上年同期下降5个基点，主要是存款成本有所上升。与此同时，本行持续优化资产负债结构，积极调整存量，高效配置增量，努力减少负债成本上升的影响。上半年，中国内地人民币中长期贷款平均余额在中国内地人民币客户贷款中的占比较上年同期提升2.13个百分点。
非利息收入950.49亿元，同比增加160.53亿元，增长20.32%。非利息收入在营业收入中的占比为34.35%。其中，手续费及佣金净收入505.64亿元，同比增加23.76亿元，增长4.93%，在营业收入中的占比为18.27%。主要是本行积极把握消费金融较快发展和保险市场回暖机遇，加大信用卡、互联网支付、代理保险等业务拓展力度，带动银行卡、结算清算、代理保险业务收入较快增长。
其他非利息收入444.85亿元，同比增加136.77亿元，增长44.39%。主要是受市场价格变化影响，本行外汇衍生交易收益同比有所增加。
6月末，集团资产总计222,660.24亿元，比上年末增加9,987.49亿元，增长4.70%。集团负债合计203,585.72亿元，比上年末增加8,166.94亿元，增长4.18%。
上半年，本行成功发行境内市场首笔商业银行无固定期限资本债券400亿元，并顺利完成730亿元境内优先股的发行工作。本行资本节约化使用水平提升，6月末集团资本充足率达到15.33%，比上年末提升0.36个百分点。
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