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重慶農村商業銀行(03618.HK)全年實現淨利潤85.65億元
格隆匯 03-31 10:15

格隆匯 3 月 31日丨重慶農村商業銀行(03618.HK)發佈2020年度業績公吿,2020年,集團積極應對新冠疫情影響,堅守支農支小定位和服務實體經濟本源,總體經營保持平穩。2020年,全年實現淨利潤85.65億元,同比減少14.23億元,降幅14.25%。主要影響因素如下:一是規模穩步增長,結構持續優化,經營質效成效顯現。營業收入同比增加15.40億元,增幅5.78%;其中,手續費及佣金淨收入同比增加6.64億元,增幅29.65%。二是加強費用管理,加大撥備計提,築牢高質量發展根基。合理控制費用列支,營業支出持續保持良好水平;基於前瞻審慎原則,增強風險抵禦能力,減值損失增加36.36億元。董事會建議派發2020年度期末普通股股息每股0.222元人民幣(含税)。

2020年,集團資產總額11,363.67億元,較上年末增加1,061.36億元,增幅10.30%。存款餘額7,250.00億元,較上年末增加515.98億元,增幅7.66%,存量、增量份額均保持重慶第一。貸款餘額5,078.86億元,較上年末增加708.01億元,增幅16.20%。增量份額保持重慶第一。實現營業收入281.82億元,淨利潤85.65億元。受疫情影響,2020年集團平均總資產回報率0.79%,加權平均淨資產收益率9.24%。

集團不良貸款率1.31%,逾期貸款佔比1.10%,較上年末下降0.06個百分點,資產質量持續保持在優良水平。撥備覆蓋率314.95%,集團資本充足率14.28%、一級資本充足率11.97%、核心一級資本充足率11.96%,保持了良好的風險抵禦能力。報吿期內,集團加大撥備計提力度,按照審慎原則將潛在大額風險貸款及時進行不良確認,全力確保資產質量保持穩定。

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