平安銀行(000001.SZ)2019年度淨利潤升13.6%至281.95億元 擬10派2.18元
格隆匯2月13日丨平安銀行(000001.SZ)發佈2019年年度報告，實現營業收入1379.58億元，同比增長18.2%；減值損失前營業利潤958.16億元，同比增長19.5%；歸屬於公司股東的淨利潤281.95億元，同比增長13.6%；基本每股收益1.54元，擬每10股派發現金股利2.18元(含税)。
報告期內，利息淨收入899.61億元，同比增長20.4%，非利息淨收入479.97億元，同比增長14.4%。2019年淨利差、淨息差分別為2.53%、2.62%，同比2018年均提升27個基點，盈利能力保持穩定。
零售業務營業收入799.73億元，同比增長29.2%，在全行營業收入中佔比為58.0%；零售業務淨利潤194.93億元，同比增長13.8%，在全行淨利潤中佔比為69.1%。
2019年末，該行資產總額39390.70億元，較上年末增長15.2%；吸收存款餘額24369.35億元，較上年末增長14.5%；發放貸款和墊款總額(含貼現)23232.05億元，較上年末增長16.3%，其中個人貸款(含信用卡)佔比58.4%，較上年末提升0.6個百分點。
2019年末，該行主要資產質量指標全面持續改善，逾期貸款、逾期60天以上貸款、逾期90天以上貸款餘額和佔比較上年末均實現“雙降”，逾期60天以上貸款偏離度和逾期90天以上貸款偏離度均低於1。本行逾期貸款餘額485.50億元，較上年末減少9.30億元，逾期貸款佔比2.09%，較上年末下降0.39個百分點；其中逾期60天以上貸款餘額367.82億元，較上年末減少15.82億元，逾期60天以上貸款佔比1.58%，較上年末下降0.34個百分點；逾期90天以上貸款餘額314.11億元，較上年末減少25.73億元，逾期90天以上貸款佔比1.35%，較上年末下降0.35個百分點；關注類貸款餘額466.65億元，較上年末減少78.87億元，關注類貸款佔比2.01%，較上年末下降0.72個百分點；不良貸款率1.65%，較上年末下降0.10個百分點；逾期60天以上貸款偏離度96%，較上年末下降14個百分點；逾期90天以上貸款偏離度82%，較上年末下降15個百分點。
2019年，該行計提的信用及其他資產減值損失為595.27億元，同比增長24.3%，其中計提的發放貸款和墊款信用減值損失為532.88億元。2019年末，貸款減值準備餘額為700.13億元，較上年末增長29.2%；撥貸比為3.01%，較上年末增加0.30個百分點；撥備覆蓋率為183.12%，較上年末增加27.88個百分點；逾期60天以上貸款撥備覆蓋率為190.34%，較上年末增加49.10個百分點；逾期90天以上貸款撥備覆蓋率為222.89%，較上年末增加63.44個百分點，風險抵補能力進一步增強。
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