工商銀行(01398.HK)前三季淨利潤升5.23%至2526.88億元 撥備覆蓋率達198.09%
格隆匯10月25日丨工商銀行(01398.HK)公佈，2019年前三季度，公司淨利潤為2526.88億元，同比增長5.23%；歸屬於母公司股東的淨利潤為2517.12億元，同比增長5.04%；基本每股收益0.71元。年化平均總資產回報率1.16%，年化加權平均權益回報率14.30%。
期內，實現營業收入5846.84億元，同比增長8.30%。利息淨收入4,531.46億元，同比增長6.97%。年化淨利息收益率2.26%。非利息收入1315.38億元，同比增長13.15%，其中手續費及佣金淨收入1,246.35億元，同比增長9.58%。營業費用(不含税金及附加)1,300.19億元，同比增長6.11%。成本收入比22.24%。
報告期末，總資產304,263.81億元，比上年末增加27,268.41億元，增長9.84%。客户貸款及墊款總額(不含應計利息)166,604.86億元，比上年末增加12,405.81億元，增長8.05%，其中，境內分行人民幣貸款增加11,526.44億元，增長8.48%。從結構上看，公司類貸款100,403.60億元，個人貸款62,312.51億元，票據貼現3,888.75億元。投資74,549.96億元，比上年末增加7,003.04億元，增長10.37%。
總負債277,557.53億元，比上年末增加24,010.96億元，增長9.47%。客户存款233,681.59億元，比上年末增加19,592.25億元，增長9.15%。從結構上看，定期存款119,644.05億元，活期存款109,436.80億元，其他存款2,258.51億元，應計利息2,342.23億元。股東權益合計26,706.28億元，比上年末增加3,257.45億元，增長13.89%。
按照貸款質量五級分類，不良貸款餘額2,397.85億元，比上年末增加47.01億元，不良貸款率1.44%，比上年末下降0.08個百分點。撥備覆蓋率198.09%，比上年末提高22.33個百分點。
核心一級資本充足率12.93%，一級資本充足率14.16%，資本充足率16.65%，均滿足監管要求。
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