蘇農銀行(603323.SH)上半年歸母淨利增14.79%至5.8億元
格隆匯8月23日丨蘇農銀行(603323.SH)公佈2019上半年業績,公司實現營業收入17.44億元,同比增長14.78%;實現歸屬於母公司股東的淨利潤5.80億元,同比增長14.79%。
截至2019年6月30日,公司總資產達到1212.42億元,比年初增長3.82%;各項存款餘額875.62億元,比年初增長5.82%;各項貸款餘額629.33億元,比年初增長5.97%。截至2019年6月30日,不良貸款率1.26%,比年初下降0.05個百分點;撥備覆蓋率267.02%,比年初提升18.84個百分點;撥貸比3.36%,比年初提升0.10個百分點。
公司全面實施“11448”戰略,聚焦特色業務發展,改革轉型有序推進,設立12大利潤中心和3大區域利潤中心,確保盈利來源持續、多元,推動盈利能力持續提升。
新思維發展對公業務。一是在存貸匯傳統業務的基礎上,全面整合對公業務,發揮地方法人銀行靈活便捷高效的優勢,突顯個性化金融服務方案,力求滿足客户在生產、貿易、投資、理財等各領域的金融及非金融需求。二是加快轉變發展方式,轉換增長動力,積極推動新一輪高質量發展。如通過綠色金融、科創金融調整結構,通過交易銀行、“投行+商行”的服務模式深挖客户,主動引導對公業務由規模驅動向質量和價值驅動轉型。
大力度突破零售業務。通過科技賦能,打造更便捷、更智能、更全面的金融服務;聚焦鄉村振興、場景化建設、渠道平台拓展,通過非金融服務賦能發展的方式,實現服務場景的線上線下融合,優化客户體驗,提升客户粘性。截至報告期末,零售貸款較年初增長10.54%,零售營業利潤同比增長19.02%,中高端客户數較年初增長8.11%,高淨值客户規模較年初增長24.40%,整體零售轉型正在快速推進。
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