建設銀行(00939.HK)前三季度淨利潤下降8.66%至2058.32億元
格隆匯10月29日丨建設銀行(00939.HK)發佈公告,截至2020年9月30日止9個月,公司經營收入5359.54億元人民幣,同比增長4.77%;集團實現淨利潤2,076.09億元,其中歸屬於本行股東的淨利潤2,058.32億元,分別較上年同期下降8.70%和8.66%,主要是由於減值損失大幅增加所致。年化平均資產回報率1.03%,年化加權平均淨資產收益率12.53%。
利息淨收入4,047.87億元,較上年同期增長6.66%。淨利差為1.99%,淨利息收益率為2.13%,分別較上年同期下降0.13和0.14個百分點,主要受利率市場化穩步推進、市場利率低於去年同期和存款競爭激烈等因素影響所致。手續費及佣金淨收入1,135.07億元,較上年同期增長4.17%。
期間減值損失1,617.63億元,較上年同期增加515.67億元,增長46.80%。其中,信用減值損失1,613.15億元,受疫情及貸款規模增加等因素影響,較上年同期增長46.73%。
按照貸款五級分類劃分,不良貸款為2,555.28億元,較上年末增加430.55億元。不良貸款率1.53%,較上年末上升0.11個百分點。撥備覆蓋率為217.51%,較上年末下降10.18個百分點。
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