蘇州銀行(002966.SZ)上半年歸母淨利14.30億元同比增10.44%
格隆匯8月22日丨蘇州銀行(002966.SZ)披露2019年半年度報告。2019年上半年，本行各項盈利性指標均有明顯提升，盈利能力持續向好。2019年1-6月，本行實現營業收入48.41億元，同比增長11.27億元，增幅30.32%；實現利潤總額18.94億元，同比增長3.68億元，增幅24.13%；實現淨利潤15.10億元，同比增長1.83億元，增幅13.76%；實現歸屬於母公司股東的淨利潤14.30億元，同比增長1.35億元，增幅10.44%。2019年上半年，本行繼續加強定價管理，積極提高差異化定價能力、議價能力及風險定價能力，2019年上半年，淨利差達1.98%，同比提高0.18個百分點，盈利能力穩健提升。
2019年上半年，本行業務發展良好有序。截至2019年6月末，本行總資產3406.33億元，比上年末增長295.48億元，增幅9.50%。本行繼續堅持迴歸本源、存款立行的策略，存款繼續保持增長態勢。截至2019年6月末，本行存款餘額2185.74億元，比上年末增長258.98億元，增幅13.44%。本行信貸資產有效投放，截至2019年6月末，本行貸款餘額1489.20億元，比上年末增長116.92億元，增幅8.52%，各項業務穩步增長。
本行在明確風險偏好和風險管理總目標的前提下，差異化制定本行各業務條線風險政策和策略，形成風險為先的集團共識。2019年上半年，本行計提各項信用減值損失14.90億元，同比增長5.61億元，增幅60.39%，計提貸款減值準備8.69億元，同比增長1.12億元，增幅14.80%。截至2019年6月末，本行不良貸款率1.55%；撥貸比3.16%，撥備覆蓋率204.61%，各項指標均較上年末有所提升，本行風險抵禦能力穩步提高。
本行通過積極主動地資產負債管理，加強預判，提前部署，嚴控錯配，保持各項流動性指標穩健優化。截至2019年6月末，本行流動性覆蓋率163.02%，流動性缺口率4.89%，流動性比例54.92%，均較上年末有所提升。本行上半年存款增長較快，為信貸類資產投放提供了充足的流動性支持，存貸比控制在合理範圍內。截至2019年6月末，存貸比為71.81%，比上年末下降1.54個百分點，各項流動性指標均處於穩定合理水平。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app！
Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.
