廣州農商銀行(01551.HK)年度淨利潤升15.23%至75.2億元 撥備覆蓋率為208.09%
格隆匯3月30日丨廣州農商銀行(01551.HK)公佈，截至2019年12月31日止年度，實現營業收入人民幣236.57億元(單位下同)，同比增長14.47%；歸屬於母公司股東的淨利潤75.20億元，同比增長15.23%；基本每股盈利0.77元。平均總資產回報率13.24%。
2019年，集團實現利息淨收入185.64億元，同比增加52.92億元，增幅39.87%，利息淨收入佔營業收入總額的78.47%。主要原因，一是生息資產結構調整，貸款業務量價齊升，帶動利息收入同比增加；二是付息負債中同業負債佔比下降，總體付息率有所下降。
2019年，集團手續費及佣金淨收入16.82億元，同比增加1.35億元，增幅8.70%。手續費及佣金淨收入佔營業收入總額的7.11%。2019年，集團交易淨收入為27.35億元，主要為以公允價值計量且其變動計入當期損益的金融資產的利息收入。2019年，集團金融投資淨收益0.53億元，主要為以公允價值計量且其變動計入其他綜合收益的金融資產的買賣價差。2019年，集團其他營業淨收入6.24億元，主要為匯兑收益。
於2019年12月31日，集團資產總額8,941.54億元，較上年末增加1,308.65億元，增幅17.14%。其中貸款和墊款總額較上年末增加1,019.79億元，增幅26.98%，主要原因是今年實體經濟信貸需求較強，貸款規模穩定增長。於2019年12月31日，集團貸款和墊款總額4,799.68億元，較上年末增加1,019.79億元，增幅26.98%。
截至2019年12月31日，按照貸款質量五級分類，集團不良貸款率為1.73%，撥備覆蓋率為208.09%。
截至2019年12月31日，核心一級資本充足率9.96%，一級資本充足率11.65%，資本充足率14.23%。
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