中原銀行(01216.HK)年度淨利潤33.55億元 同比增長4.6%
格隆匯3月29日丨中原銀行(01216.HK)發佈公吿,截至2020年12月31日止年度,公司實現營業收入人民幣194.28億元,同比增加人民幣4.06億元,增幅2.1%。實現淨利潤人民幣33.55億元,同比增加人民幣1.49億元,增幅4.6%。
截至2020年12月31日,本行總資產人民幣7,574.83億元,較年初增加人民幣475.98億元,增幅6.7%。各項貸款總額(不含應計利息)人民幣3,570.26億元,較年初增加人民幣578.21億元,增幅19.3%;存款餘額(不含應計利息)人民幣4,249.82億元,較年初增加人民幣399.36億元,增幅10.4%。存貸款市場份額進一步擴大,市場競爭力不斷增強。
本行貫徹輕資本、輕成本導向,積極推動資負結構優化。高收益的貸款總額(不含應計利息)佔總資產比重為47.1%,較年初提升5.0個百分點。其中,個人貸款佔總資產比例22.5%,較年初提升4.0個百分點。低成本的一般存款(不含應計利息)佔總負債比重為60.9%,較年初提升1.8個百分點。高成本的同業負債(含同業存單)佔總負債比重為24.9%,較年初下降4.9個百分點。
期間大力處置不良貸款和高風險資產,強化預警管理,有力遏制貸款劣變勢頭,確保資產質量穩定。堅持將逾期60天以上貸款全部計入不良,不良貸款率2.21%,較年初下降0.02個百分點,成立以來新發放貸款不良率保持1%以內的良好水平。
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