重慶銀行(01963.HK)年度淨利潤增長5.7%至45.66億元 每股派0.373元
格隆匯3月30日丨重慶銀行(01963.HK)發佈公吿，截至2020年12月31日止年度，公司實現營業收入128.92億元，同比增長9.3%；營業費用28.85億元，同比增長4.2%；實現淨利潤45.66億元，同比增長5.7%；每股現金分紅0.373元。
2020年，集團利息淨收入為110.61億元，較上年增加19.13億元，增幅20.9%；手續費及佣金淨收入為10.37億元，較上年增加0.89億元，增幅9.3%。
經營規模顯著提升，截至2020年末，集團總資產邁上5,600億台階，達到5,616.41億元，同比增長12.1%。資產質量持續穩定，截至2020年末，集團不良貸款率1.27%。撥備覆蓋率309.13%，較上年末上升29.30個百分點。貸款撥備率3.92%，較上年末提升0.36個百分點。
截至2020年12月31日，集團客户貸款及墊款總額為2,832.27億元，較上年末增加358.78億元，增幅14.5%。主要是由於報吿期內集團把握落實各項政策，助力實體企業復工復產，加快重點行業和產業的信貸投放。截至2020年12月31日，集團公司貸款本金總額為1,646.61億元，較上年末增加238.80億元，增幅17.0%；零售貸款本金總額為965.26億元，較上年末增加57.47億元，增幅6.3%。
截至2020年12月31日，集團金融投資為1,907.90億元，較上年末增加313.12億元，增幅19.6%。其中，證券投資為1,595.81億元，較上年末增加270.80億元，增幅20.4%；公允價值計量且其變動計入當期損益的金融資產為312.09億元，較上年末增加42.32億元，增幅15.7%。主要是由於金融投資向標準化、多元化、輕型化資產進行配置，同時與投行業務聯動，加大了固定收益類產品投資，同時增加了利率債等流動性儲備資產。
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