甘肅銀行(02139.HK)2019年度實現淨利潤5.11億元
格隆匯3月31日丨甘肅銀行(02139.HK)發佈全年業績，2019年，該行錄得總營業收入人民幣72.333億元，較2018年減少18.5%。該行淨利潤同比減少85.1%至人民幣5.113億元。基本每股收益人民幣0.05元。不派發2019年末期股息，不進行公積金轉增資本。營業收入下降主要原因為業務結構調整、市場競爭加劇及資金成本上升；淨利潤同比下降主要由於資產質量下遷，計提信用減值損失增加。
於2019年12月31日，該行的總資產為人民幣3350.445億元，同比增長2.0%；客户貸款及墊款總額為人民幣1704.492億元，同比增長6.0%；不良貸款率為2.45%，較2018年末增加0.16個百分點，主要由於資產質量下遷，導致不良貸款率上升；客户存款總額為人民幣2368.687億元，同比增長12.4%。
甘肅銀行的發展願景為致力於建設一流的上市城商行。為此，甘肅銀行將堅持以服務客户為中心，以持續高質量發展為基礎，以防範風險和合規管理為重點，以精細化管理和提升專業能力為保障，以服務實體經濟為己任，穩中求進，迴歸本源，夯實基礎，質量第一，效益為先，走“差異化、精細化、專業化”的發展道路。
為了實現上述目標，甘肅銀行計劃：(一)推進內部改革，優化組織架構，提升公司治理水準和基礎管理能力。(二)充分利用境內外資本市場，拓展資本補充渠道，持續補充資本。(三)適應經濟新常態和監管新常態，嚴守風險底線，切實加強資產質量管理。(四)構建大零售業務體系，保障零售轉型戰略實施。(五)完善批發業務服務體系，夯實業務發展基礎。(六)強化金融科技應用和跨界合作，實施移動優先，延伸服務觸角。(七)以精細化體系建設為方向，優化業務及管理流程，提升精細化管理水準。(八)堅持人才立行，持續提升員工隊伍凝聚力和綜合能力。
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