平安銀行(000001.SZ)前三季淨利升15.5%至236.21億元 撥備覆蓋率達186.18%
格隆匯10月21日丨平安銀行(000001.SZ)發佈2019年第三季度報告，實現營業收入351.29億元，同比增長19.4%；歸屬於公司股東的淨利潤82.18億元，同比增長16.0%；扣除非經常性損益後歸屬於公司股東的淨利潤82.11億元，同比增長16.9%；基本每股收益0.47元。
另外，前三季度，實現營業收入1029.58億元，同比增長18.8%；歸屬於公司股東的淨利潤236.21億元，同比增長15.5%；扣除非經常性損益後歸屬於公司股東的淨利潤235.27億元，同比增長15.6%；基本每股收益1.32元。
2019年1-9月，該行實現營業收入1029.58億元，同比增長18.8%；其中利息淨收入662.69億元，同比增長21.5%；非利息淨收入366.89億元，同比增長14.2%。減值損失前營業利潤717.09億元，同比增長19.0%；淨利潤236.21億元，同比增長15.5%；2019年1-9月淨利差、淨息差分別為2.54%、2.62%，與去年同期相比均提升33個基點，盈利能力保持穩定。
2019年9月末，該行逾期貸款佔比2.34%，與半年末持平、較上年末下降0.14個百分點；逾期90天以上貸款佔比1.46%，較半年末和上年末分別下降0.12個百分點和0.24個百分點；關注率2.39%，較半年末和上年末分別下降0.09個百分點和0.34個百分點；不良貸款率1.68%，較半年末持平、較上年末下降0.07個百分點。不良貸款偏離度87%，較半年末和上年末分別下降7個百分點和10個百分點。
2019年1-9月，該行計提的信用及其他資產減值損失為409.96億元，同比增長21.9%，其中發放貸款和墊款計提的信用減值損失為365.77億元；2019年9月末，貸款減值準備餘額為672.62億元，較上年末增長24.1%；撥貸比為3.13%，較半年末和上年末分別增加0.07個百分點和0.42個百分點；撥備覆蓋率為186.18%、較半年末和上年末分別增加3.65個百分點和30.94個百分點，逾期90天以上貸款撥備覆蓋率為213.83%、較半年末和上年末分別增加19.46個百分點和54.38個百分點，風險抵補能力進一步增強。
2019年9月末，該行資產總額37076.83億元，較上年末增長8.5%；吸收存款餘額22911.72億元，較上年末增長7.6%；發放貸款和墊款總額(含貼現)21511.67億元，較上年末增長7.7%，其中個人貸款(含信用卡)佔比59.2%，較上年末提升1.4個百分點。
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