中國銀行(601988.SH):上半年淨利降11.51%至1009.17億元
格隆匯8月30日丨中國銀行(601988.SH)發佈2020年半年度報告,實現營業收入2857.10億元,同比增長3.24%;歸屬於母公司所有者的淨利潤1009.17億元,同比減少11.51%;扣除非經常性損益後歸屬於母公司所有者的淨利潤1004.38億元,同比減少11.48%;平均總資產回報率(ROA)0.92%,淨資產收益率(ROE)11.10%;基本每股收益0.32元。
截至6月末,集團不良貸款總額為1,983.82億元,不良貸款率為1.42%,不良貸款撥備覆蓋率上升至186.46%。有效應對市場波動,流動性風險和市場風險整體可控,主要風險指標保持平穩。
上半年,集團實現利息淨收入1,968.95億元,同比增加152.11億元,增長8.37%;集團淨息差為1.82%,比上年同期下降1個基點,主要是受貸款市場報價利率(LPR)下行、美元降息等因素影響,資產端收益率呈下降趨勢。
上半年,集團實現非利息收入888.15億元,同比減少62.34億元,下降6.56%。非利息收入在營業收入中的佔比為31.09%。手續費及佣金淨收入503.42億元,同比減少2.22億元,下降0.44%,在營業收入中的佔比為17.62%。其他非利息收入384.73億元,同比減少60.12億元,下降13.51%。主要是投資收益同比減少。
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