上海銀行(601229.SH)半年度歸母淨利潤122.78億元 同比增長10.3%
格隆匯8月19日丨上海銀行(601229.SH)發佈2021年半年度報吿，實現營業收入277.05億元，同比增長9.02%；營業利潤135.26億元，同比增長10.96%；歸屬於母公司股東的淨利潤122.78億元，同比增長10.30%；歸屬於母公司股東的扣除非經常性損益的淨利潤122.53億元，同比增長10.89%；基本每股收益0.86元。
報吿期末，集團資產總額 26283.63億元，較上年末增長6.75%。持續迴歸主業經營，加快信貸投放，壓降票據業務、調整同業資產配置，優化資產結構。報吿期末，集團客户貸款和墊款總額11852.6億元，較上年末增長 7.94%，佔資產總額比重45.09%，較上年末提高0.49個百分點。聚焦核心存款，強化產品驅動、客户經營和綜合金融服務，多措並舉帶動存款穩步增長。報吿期末，集團存款總額14196.09億元，較上年末增長9.44%，佔負債總額比重58.38%，較上年末提高1.27個百分點。從發展趨勢看，2019年至2021年上半年存款總額增量分別為 1023.91億元、980.37億元、1224.34億元，客户貸款和墊款總額增量分別為747.95億元、563.6億元、871.36億元，存款、貸款增量達到近三年同期最好水平。
報吿期內，集團加強風險形勢研判分析，持續優化資產質量管控機制。聚焦重點區域、重點行業，加強大額授信重點客户風險防控，強化對逾期貸款管控，大力推進表內外不良資產清收化解。報吿期末，集團不良貸款率為 1.19%，較上年末、一季度末分別下降0.03個百分點、0.02個百分點；關注類貸款佔比1.86%，較上年末下降0.05 個百分點；逾期不良比為131.12%，與上年末基本持平；撥備覆蓋率為324.04%，較上年末、一季度末分別提高 2.66個百分點、0.73個百分點。本集團主要資產質量指標呈現連續改善趨勢，繼續保持同業良好水平。
報吿期內，集團持續完善資本管理體系，加強資本佔用精細化管理、完善資本激勵約束機制，引導業務結構優化，提升資本使用效率；加強資本前瞻性預測和補充規劃，積極推進外部資本補充，確保各級資本水平充足，有效支撐業務發展。報吿期末，集團資本充足率為12.27%，一級資本充足率為10.01%，核心一級資本充足率為 8.98%，均持續高於監管要求。
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