九江銀行(06190.HK)2020年營收101.92億元,撥備覆蓋率165.97%
格隆匯 3 月 31日丨九江銀行(06190.HK)公佈年度業績,2020年,受新冠疫情及外部經濟下行壓力影響,集團實現營業收入101.92億元,同比增長5.3%,資本利潤率6.58%,資產利潤率0.44%,實現淨利潤人民幣17.09億元,同比下降9.1%。
經營規模合理增長。截至2020年末,集團資產總額4,157.94億元,較上年末增長14.4%;客户貸款及墊款總額2,104.40億元,較上年末增長17.9%;客户存款總額3,138.05億元,較上年末增長22.9%;日均存款2,793.41億元,較上年增長18.4%。
資產負債結構持續優化。截至2020年末,集團客户貸款及墊款總額佔資產總額比重突破50%,達50.7%,較上年末上升1.6個百分點;金融投資淨額佔資產總額比重35.1%,較上年末下降1.9個百分點;客户存款總額佔負債總額比重80.6%,較上年末上升5.1個百分點,其中個人存款餘額1,162.19億元,增幅25.5%,佔客户存款總額比重37.0%,成為增長主力。
資產質量穩步向好。2020年,集團以資產質量調度會和大户會診為抓手,加大不良資產處置力度。截至2020年末,集團不良貸款率1.55%,較上年末下降0.16個百分點。
監管指標穩健達標。截至2020年末,集團資本充足率10.71%,不良貸款率1.55%,撥備覆蓋率165.97%,貸款撥備率2.58%,流動性比例72.65%,成本收入比27.28%,主要監管指標均達到監管要求。
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