建設銀行(00939.HK)前三季度純利增長5.25%至2253.44億元
格隆匯10月30日丨建設銀行(00939.HK)發佈2019年三季度報告，按照國際財務報告準則，截至2019年9月30日止九個月，集團實現淨利潤2,273.82億元(人民幣，下同)，其中歸屬於該行股東的淨利潤2,253.44億元，分別較上年同期增長5.83%和5.25%。年化平均資產回報率1.27%，年化加權平均淨資產收益率15.13%。
報告期內，利息淨收入3,795.22億元，較上年同期增長3.77%。淨利差為2.12%，淨利息收益率為2.27%，分別較上年同期下降0.09和0.07個百分點，與上半年持平。手續費及佣金淨收入1,089.68億元，較上年同期增長12.89%。其中，銀行卡、電子銀行、代理業務、託管及其他受託業務等產品發展良好，收入同比增長較快。
2019年9月30日，集團資產245,177.30億元，較上年末增加12,950.37億元，增幅5.58%；負債223,647.64億元，較上年末增加11,336.65億元，增幅5.34%。發放貸款和墊款總額148,724.85億元，較上年末增加10,894.32億元，增幅7.90%。其中，境內公司類貸款69,094.59億元，個人貸款63,127.46億元，票據貼現5,298.11億元；海外和子公司貸款10,806.95億元；應計利息397.74億元。
報告期內，金融投資62,014.50億元，較上年末增加4,865.41億元，增幅8.51%。吸收存款184,638.26億元，較上年末增加13,551.48億元，增幅7.92%。其中，境內定期存款78,455.37億元，活期存款99,015.23億元，境內公司類存款90,746.15億元，個人存款86,724.45億元；海外和子公司存款5,221.78億元；應計利息1,945.88億元。
按照貸款五級分類劃分，不良貸款為2,113.99億元，較上年末增加105.18億元。不良貸款率1.43%，較上年末下降0.03個百分點。撥備覆蓋率為218.28%，較上年末上升9.91個百分點。
2019年9月30日，考慮並行期規則後，集團按照《商業銀行資本管理辦法(試行)》計量的資本充足率17.30%，一級資本充足率14.50%，核心一級資本充足率13.96%，均滿足監管要求。
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