羅兵咸永道:去年上市內銀業績穩健增長 疫情催化金融數位化發展
羅兵咸永道指,2019年中國上市銀行淨利潤與營業收入均保持穩健增長,信貸資產品質呈現分化趨勢。隨著利率市場化改革的深入以及新冠肺炎疫情的影響,銀行業加快向金融科技化和數位化轉型。
該行的調查涵蓋了37家截至4月22日披露2019年年報的A股和/或H股上市銀行,樣本規模相當於中國商業銀行總資產和淨利潤的71.37%和76.77%。37家銀行按其特點,分為大型商銀行(6家)、股份制商業銀行(7家)和城農商行(24家)。
報告指,去年37家上市銀行實現淨利潤1.53萬億元,按年增長6.68%。其中大型銀行的增速為5.63%,股份制銀行和城農商行的增速分別為11.44%和5.14%。上市銀行2019年的各類收入穩步增長,利息淨收入仍是佔比最高的部分。手續費及佣金收入在股份制銀行的佔比最大。大型銀行和股份制銀行的手續費及佣金收入構成主要集中於銀行卡手續費業務,城農商行手續費及佣金收入佔營業收入比例較低。
2019年上市銀行總資產繼續增長,截至2019年末37家銀行的資產總額達171萬億元,按年增加8.88%。其中股份制銀行的增速較快,達11.09%。
羅兵咸永道香港金融業合夥人鄭善斌認為,新冠疫情給上市銀行2020年的經營業績、資產品質、負債管理等方面帶來諸多挑戰,但它也催化了金融的數位化發展。在當前複雜的國內外經濟金融形勢下,上市銀行應大力推進金融與科技的深度融合,加速金融科技的賦能轉型,將科技金融放到了戰略定位的高度,深化轉型戰略。(el/u) ~
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