蘇州銀行(002966.SZ):上半年歸母淨利潤升4.80%至14.98億元
格隆匯8月30日丨蘇州銀行(002966.SZ)披露2020年半年度報告,報告期內,實現營業收入54.20億元,比上年同期增長5.78億元,增幅11.94%;實現淨利潤15.83億元,比上年同期增長0.73億元,增幅4.81%;實現歸屬於母公司股東的淨利潤14.98億元,比上年同期增長0.69億元,增幅4.80%。
截至報告期末,資產總額3,804.42億元,較上年末增加369.70億元,增幅10.76%;吸收存款餘額2,529.89億元,較上年末增加308.75億元,增幅13.90%;發放貸款及墊款餘額1,739.63億元,較上年末增加186.37億元,增幅12.00%。
資產方面,繼續迴歸貸款主業,零售貸款餘額突破600億元,較年初增加66.22億元,其中住房貸款餘額240.60億元,較年初增加39.41億元。兩增兩控小微貸款、製造業貸款、民營企業貸款較年初增幅分別達到20%、21%、15%,均高於各項貸款增幅。
負債方面,負債來源多樣化,全行存款保持較快增長的同時,央行政策資金,再貸款、中期借貸便利也進一步作為中期的主動負債工具。上半年,蘇州銀行發行了15億元雙創債,蘇州金融租賃發行了15億元金融債,該行獲得了MLF成員資格,累計申請MLF和再貸款資金超過80億元。
2020年上半年,該行計提各項信用減值損失19.96億元,比上年同期增長5.06億元,增幅33.94%,計提貸款減值準備16.16億元,比上年同期增加7.47億元,增幅86.04%。截至2020年6月末,不良貸款率1.47%;撥貸比3.87%,撥備覆蓋率263.91%,各項指標均較上年末有所提升,該行風險抵禦能力穩步提高。
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