中原銀行(01216.HK)2019年度淨利潤升35.5%至32.06億元 擬10派0.45元
格隆匯3月28日丨中原銀行(01216.HK)發佈年度業績，2019年，中原銀行落實高質量發展理念，加快結構調整，提升精細化管理水平，盈利能力不斷增強，業務規模穩步增長。經濟效益快速提升，收入來源不斷拓寬。報告期內，實現營業收入人民幣190.22億元，同比增加人民幣 22.38億元，增幅13.3%。實現撥備前利潤人民幣115.09億元，同比增加人民幣16.83 億元，增幅17.1%。實現淨利潤人民幣32.06億元，同比增加人民幣8.41億元，增幅35.5%。董事會已建議以現金派付2019年度的末期股息每10股人民幣 0.45元(含税)，派付總額約為人民幣9.03億元。
2019年，中原銀行客户經營水平和經營業績顯著提升，零售有效客户達444.8萬户，公司有效客户達3.3萬户；總資產規模達人民幣7,098.85億元，較上年末新增人民幣894.41億元，存款餘額(不含應計利息)人民幣3,850.46億元，較上年末新增人民幣388.57億元，貸款餘額(不含應計利息)人民幣 2,992.05億元，較上年末新增人民幣448.35億元。資產質量和盈利能力持續提升，不良貸款率 2.23%，較年初下降0.21個百分點。
中原銀行持續加強定價管理，有效控制負債成本，淨利息收益率和淨利差分別為 2.65%和2.56%，保持行業優秀水平。同時，強化成本約束意識，有效控制成本支出，成本收入比由上年的40.59%降至38.45%，同比下降2.14個百分點。中原銀行持續加強產品應用，打造多元化收入結構，實現手續費及佣金淨收入人民幣18.66億元，同比增加人民幣5.85億元，增幅45.7%。手續費及佣金淨收入佔營業收入比重為9.8%，較上年提升2.2個百分點。
資產規模穩步增長，資負結構持續優化。截至2019年12月31 日，中原銀行總資產人民幣7,098.85億元，較年初增加人民幣894.41億元，增幅14.4%。各項貸款總額(不含應計利息)人民幣2,992.05億元，較年初增加人民幣448.35億元，增幅17.6%。存款餘額(不含應計利息)人民幣3,850.46億元，較年初增加人民幣388.57億元，增幅11.2%。存、貸款增速明顯高於河南省平均水平，為實體經濟發展提供了強勁動能。中原銀行強化資產負債管理，資負結構進一步優化，高收益的貸款總額(不含應計利息)佔總資產比重為42.1%，較年初提高1.1個百分點。高成本的同業負債(含同業存單)佔總負債比重為29.8%，較年初下降2.0個百分點。
報告期內，面對複雜的經濟金融形勢和內外部諸多困難挑戰，中原銀行積極踐行“穩健、創新、進取、高效”的核心價值觀，強化“以客户為中心”的經營理念，深入推進數字化轉型，提升能力，創新驅動，適應競爭，保持了良好的發展態勢。連續五年獲得《金融時報》“以客户為中心”，榮獲“2019年度亞洲卓越城市商業銀行”等榮譽稱號，品牌形象穩步提升。
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