工商銀行(01398.HK)：2020年實現歸母淨利3159.06億元 擬10派2.66元
格隆匯 3 月 26日丨工商銀行(01398.HK)發佈2020年度業績公吿，2020年，本行努力克服新冠疫情和外部環境變化等因素影響，積極貫徹落實減費讓利政策，加大金融服務實體經濟力度，積極以科技賦能業務轉型，強化風險防控，保持經營穩健發展。年度實現淨利潤3,176.85億元，比上年增加43.24億元，增長1.4%，平均總資產回報率1.00%，加權平均權益回報率11.95%。歸屬於母公司股東淨利潤人民幣3159.06億元，同比增長1.18%。營業收入8,000.75億元，增長3.1%，其中，利息淨收入6,467.65億元，增長2.3%，非利息收入1,533.10億元，增長6.6%。營業費用2,065.85億元，下降0.6%，成本收入比24.76%。計提資產減值損失2,026.68億元，增長13.2%。所得税費用744.41億元，下降5.1%。董事會建議派發2020年度普通股現金股息，以356,406,257,089股普通股為基數，每10股派發人民幣2.660元(含税)，派息總額約為人民幣948.04億元。
2020年，利息淨收入6,467.65億元，比上年增加145.48億元，增長2.3%，佔營業收入的80.8%。利息收入10,925.21億元，增加290.76億元，增長2.7%；利息支出4,457.56億元，增加145.28億元，增長3.4%。淨利息差和淨利息收益率分別為1.97%和2.15%，均比上年下降15個基點，主要是本行推進LPR貸款定價基準轉換，同時持續讓利實體經濟，進一步降低企業融資成本。
堅持穩中求進，全力提升經營質態。在合理讓利實體經濟的同時，努力挖潛、控本、增效，全年實現來之不易的正增長。集團實現淨利潤3,177億元，比上年增長1.4%；實現撥備前利潤5,948億元，比上年增長4.2%。實現營業收入8,001億元，比上年增長3.1%。各類風險得到有效管控，不良貸款率1.58%，保持在穩健區間。逾期貸款率、關注貸款率均實現下降。逾期貸款與不良貸款的剪刀差首次實現年度為負。撥備覆蓋率180.68%。成本收入比24.76%，繼續保持在較優水平。
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