甘肅銀行(02139.HK)2020年淨利潤同比增加10.0%至5.62億元
格隆匯 3 月 29日丨甘肅銀行(02139.HK)公吿,截至2020年12月31日止年度業績,總營業收入人民幣64.93億元,同比減少10.2%。淨利潤同比增加10.0%至2020年的人民幣5.62億元。基本每股收益0.06元。無派息。
營業收入同比下降主要原因為受新型冠狀肺炎影響,美元兑人民幣匯率持續下跌形成匯兑損失及本行積極響應國家政策,主動調整資產結構,加大了對實體經濟的支持力度,減少投資類資產交易量導致交易淨收益同比下降所致;淨利潤同比上升,主要由於本行資產質量有所好轉,資產減值損失計提減少所致。
淨利差從2019年的1.74%減至2020年的1.72%,主要由於生息資產總額的平均收益率從4.96%減至4.72%,而該平均收益率的下降又主要由於(i)疫情影響,國家相關部門出台了一系列扶持企業復工復產、減費讓利的政策,本行積極響應國家政策,向實體企業讓利;(ii)LPR下行影響所致;(iii)計息負債總額的平均成本率從3.22%降至3.00%,主要由於市場利率下降及本行加大負債營銷力度,壓降負債成本所致。
淨息差從2019年的1.96%增至2020年的1.97%,淨息差基本保持平穩。
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