浦發銀行(600000.SH)：上半年淨利321.06億元 同比增12.38%
格隆匯8月23日丨浦發銀行(600000.SH)披露2019年半年度報告，報告期內集團保持營業收入、淨利潤雙增長。集團口徑實現營業收入975.99億元，比上年同期增加155.76億元，同比增長18.99%；實現利潤總額382.18億元，比上年同期增加40.57億元，同比增長11.88%；税後歸屬於母公司股東的淨利潤321.06億元，比上年同期增加35.37億元，同比增長12.38%。2019年上半年，平均總資產收益率(ROA)為0.50%，比上年同期上升了0.03個百分點；加權平均淨資產收益率(ROE)為6.89%，比上年同期下降了0.08個百分點。成本收入比為21.51%，比上年同期下降2.84個百分點。
報告期末，集團資產總額為66,599.08億元，比上年末增加3,703.02億元，增長5.89%；其中，本外幣貸款總額為37,148.95億元，比上年末增加1,656.90億元，增長4.67%。集團負債總額61,602.38億元，比上年末增加3,490.12億元，增長6.01%；其中，本外幣存款總額為36,654.75億元，比上年末增加4,384.57億元，增長13.59%。
報告期內，集團多措並舉，調結構、穩增長成效顯著；三大業務板塊營收佔比持續優化，零售業務貢獻繼續保持領先；零售貸款新增1,185.36億元，佔貸款增量的71.54%。利息淨收入增長較快，上半年達到642.64億元，同比增長25.28%；利息支出同比下降6.75%，其中同業往來成本下降38.52%，帶動淨利息收益率和淨利差同比分別上升0.35和0.37個百分點。非利息淨收入333.35億元，同比增長8.49%。
報告期內，集團在保持信貸業務運行平穩的同時，更加註重風險管理，嚴格不良貸款分類管理，着力夯實資產質量基礎。截至報告期末，按五級分類口徑統計，集團後三類不良貸款餘額為678.74億元，比上年末減少2.69億元；不良貸款率為1.83%，比上年末下降0.09個百分點；不良貸款的準備金覆蓋率達156.51%，比上年末上升1.63個百分點；貸款撥備率(撥貸比)2.86%，比上年末下降0.11個百分點。
報告期內，集團子公司和境外機構業務協同機制和評估體系得到優化，協同覆蓋面更廣，業務結構更均衡。集團協同規模同比增長較快，主要投資企業經營良好，合計實現營收55.73億元、淨利潤16.73億元；持續推進香港分行、新加坡分行、倫敦分行的特色化、差異化發展，推動公司實現跨歐亞跨時區經營。
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