天津銀行(01578.HK)年度淨利潤下降5.8%至43.4億元
格隆匯3月26日丨天津銀行(01578.HK)公佈，2020年，本行實現營業收入人民幣172.0億元，同比增長0.8%，實現撥備前利潤人民幣132.7億元，同比增長1.6%；審慎考慮疫情對本行資產質量的影響，計提各項減值準備人民幣82.3億元，同比增長10.8%，導致淨利潤同比下降5.8%至人民幣43.4億元；淨息差2.26%，同比增長5個基點，淨利差1.98%，同比增長10個基點，實現息差利差雙升。
期間主要經營業務表現良好，實現淨利息收入人民幣136.5億元，同比增長3.2%；實現投資收益人民幣17.4億元，同比增長21.6%；實現手續費及佣金淨收入人民幣23.1億元，同比增長2.0%。資產端，支持實體經濟力度進一步加強，報吿期末客户貸款及墊款淨額為人民幣2,957.5億元，同比增長5.2%；投資結構進一步優化，債券投資規模同比增長33.4%至人民幣1,906.7億元，資產管理計劃和信託受益權等兩類非標投資壓縮27.3%至人民幣867.6億元。
負債端，多渠道降低融資成本，付息負債平均付息率下降43個基點，直接提升本行盈利空間；加大存款營銷力度，客户存款餘額同比增長1.4%至人民幣3,559.8億元，客户存款平均付息率較同期降低38個基點。
資本充足率14.48%，較2019年末略微下降0.76個百分點，主要是本行2020年主動贖回面值為人民幣50億元的二級資本債所致；一級資本充足率與核心一級資本充足率均為11.12%，較2019年末分別上升0.49和0.50個百分點；受疫情及部分客户償債能力減弱影響，本行2020年末不良貸款率為2.16%；積極響應監管機構號召，加大不良貸款處置力度，利用撥備核銷及轉撥不良貸款的規模較2019年同比增長94.8%，導致撥備覆蓋率下降至183.45%。其他主要監管指標也均滿足相關要求。
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