平安銀行(000001.SZ)半年度淨利潤175.83億元 同比增長28.5%
格隆匯8月19日丨平安銀行(000001.SZ)發佈2021年半年度報吿，實現營業收入846.80億元，同比增長8.1%；營業利潤224.15億元，同比增長26.9%；歸屬於本行股東的淨利潤175.83億元，同比增長28.5%；扣除非經常性損益後歸屬於本行股東的淨利潤175.11億元，同比增長28.9%；基本每股收益0.80元。
存款成本持續優化：2021年上半年，集團淨息差2.83%，較去年同期下降4個基點；負債平均成本率2.22%，較去年同期下降20個基點，其中吸收存款平均成本率2.05%，較去年同期下降30個基點。因市場利率變化，以及進一步支持實體經濟、降低實體經濟融資成本的影響，生息資產平均收益率較去年同期有所下降；同時，該行重塑資產負債經營，有效降低負債成本，淨息差小幅收窄。
非息收入較快增長：2021年上半年，集團實現非利息淨收入253.19億元，同比增長11.3%，主要得益於財富管理業務、信用卡業務、對公結算業務及理財業務等帶來的手續費及佣金收入增長；非利息淨收入佔比29.90%，同比上升0.86 個百分點。
資產負債規模穩健增長：2021年6月末，集團資產總額47235.2億元，較上年末增長5.7%，其中，發放貸款和墊款本金總額28748.93億元，較上年末增長7.8%；負債總額43463.27億元，較上年末增長5.9%，其中，吸收存款本金餘額28666.78億元，較上年末增長7.2%，活期存款餘額9884.9億元，較上年末增長5.6%。
資產質量持續優化：2021年6月末，本行不良貸款率為1.08%，較上年末下降0.10個百分點；關注貸款、逾期60天以上貸款及逾期90天以上貸款的佔比分別為0.96%、0.91%和 0.79%，較上年末分別下降0.15、0.17和0.09個百分點；逾期60天以上貸款偏離度及逾期90天以上貸款偏離度分別為0.85和0.73，較上年末分別下降0.07和0.02；撥備覆蓋率、逾期60天以上貸款撥備覆蓋率及逾期90天以上貸款撥備覆蓋率分別為259.53%、306.11%和355.67%，較上年末分別上升58.13、86.33 和86.93 個百分點。
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