寧波銀行(002142.SZ)一季度淨利升18.32%至47.35億元 撥備覆蓋率508.57%
格隆匯4月23日丨寧波銀行(002142.SZ)披露2021年第一季度報吿。2021年一季度，公司在董事會的領導下，持續加強黨的領導，以服務實體經濟發展為根本宗旨，穩步實施“大銀行做不好，小銀行做不了”的經營策略，着力構築發展護城河，在經營管理上繼續取得新進展，可持續發展能力進一步增強。主要體現在：
(一)經營品質持續向好。公司踐行“專注主業，迴歸本源，服務實體”的理念，在持之以恆推進各項經營策略的基礎上，不斷升級客户工程建設，穩步提升專業經營能力，堅持風險垂直化管理，推動公司“規模、效益、質量”協同發展，經營品質繼續保持較優水平。截至2021年3月末，公司資產總額17,227.23億元，比年初增長5.90%；各項存款10,372.34億元，比年初增長12.11%；各項貸款7,364.72億元，比年初增長7.09%。2021年一季度，公司實現歸屬於母公司股東的淨利潤47.35億元，同比增長18.32%；實現營業收入132.26億元，同比增長21.80%；不良貸款率0.79%，撥貸比4.01%，撥備覆蓋率508.57%。
(二)發展動能持續增強。公司各利潤中心圍繞“以客户為中心”的經營理念，藉助金融科技精準賦能，在服務實體經濟的過程中持續推進商業模式系統化升級，通過為客户構建綜合服務生態，滿足客户系統化、數字化、智能化的金融服務需求。2021年一季度，公司實現利息淨收入84.32億元，同比增長32.10%；實現非利息淨收入47.94億元，同比增長7.10%，在營業收入中佔比36.25%；實現手續費及佣金淨收入17.92億元，其中財富管理手續費及佣金收入10.95億元，同比增長65.01%。
(三)轉型效率持續趨優。公司持續強化戰略轉型與管理升級的協同性，在資本管理、資產負債管理、風險管理、數字化經營等方面不斷探索符合自身戰略定位和長遠發展目標的體系、機制與措施，推動整體經營效率持續提升，資本充足與資本效率、淨息差等綜合性指標持續保持在行業較好水平。截至2021年3月末，公司資本充足率為14.45%，一級資本充足率為10.68%，核心一級資本充足率為9.39%；年化加權平均淨資產收益率為17.86%，年化總資產收益率為1.13%。公司資產負債配置效率持續提升，2021年一季度淨息差為2.55%，淨利差為2.81%，環比均上升33個基點。
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