江蘇銀行(600919.SH)半年度淨利潤升14.88%至78.71億元不良貸款率與年初持平
格隆匯8月20日丨江蘇銀行(600919.SH)發佈2019年半年度報告,實現營業收入219.167億元,同比增長27.29%;歸屬於上市公司股東的淨利潤78.71億元,同比增長14.88%;歸屬於上市公司股東的扣除非經常性損益的淨利潤77.98億元,同比增長14.45%;基本每股收益0.68元。
報告期末,集團資產總額20470億元,較上年末增長6.29%。各項存款11739億元,較上年末增長7.37%;各項貸款9662億元,較上年末增長8.66%。報告期末,不良貸款率為1.39%,與年初持平;撥備覆蓋率217.57%,較年初提升13.73個百分點。
信貸資產佔比進一步提升至47.20%,較年初提升近3個百分點;加大資源傾斜力度,在製造業、戰略新興產業、綠色產業等領域的實貸投放進一步提升。小微企業貸款餘額3940億元,客户數超過4萬户,分別較年初增長8.39%和22.89%,省內市場佔比保持第一,普惠小微貸款連續實現“兩增兩控”。持續加大科技型企業貸款的投放力度,這些客户中有的已在科創板上市,有的正在申報之中。積極服務鄉村振興,涉農貸款增速高於各項貸款增速3.8個百分點。
調整結構的效益更加顯著。深入推進調結構、促轉型,ROA、ROE較年初實現雙升,淨息差較年初提升24BP至1.83%。在負債端,債務工具、新增同業負債成本下降,主動負債新增、餘額佔比雙降;在資產端,零售貸款在各項貸款中的佔比保持30%以上,在守牢風險底線的基礎上,消費貸業務規模較年初增長超過20%,進一步驅動資產收益水平上行。理財業務、託管業務保持平穩健康發展,投資收益同比增長478%;強化與互聯網頭部平台的深度合作,信用卡髮卡量突破220萬張,帶動了中間業務收入增長。
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