天津銀行(01578.HK):上半年淨利潤27.1億元 同比增長1.3%
格隆匯8月27日丨天津銀行(01578.HK)發佈公吿,2021年上半年,該行實現營業收入人民幣89.8億元,同比增長3.3%;實現撥備前利潤人民幣70.0億元,同比增長1.6%;計提減值損失人民幣38.0億元,同比微增1.4%;實現淨利潤人民幣27.1億元,同比增長1.3%。資產端,對實體經濟支持力度進一步加大,貸款規模較年初增長3.6%至2021年6月末的3,063.2億元,帶動資產規模較年初增長2.3%至人民幣7,033.3億元;向實體經濟減費讓利力度進一步加強,客户貸款及墊款的平均收益率較2020年同期下降56個基點。負債端,存款規模大幅上漲,較年初增長10.0%至人民幣3,916.7億元,帶動負債規模較年初增長2.0%至人民幣6,465.7億元;付息負債的平均付息率進一步下降,較2020年同期下降31個基點至2.74%。
在負債成本降低的拉動下,該行2021年上半年淨利差為1.88%,較2020年同期上漲4個基點。截至2021年6月30日,該行資本充足率、一級資本充足率及核心一級資本充足率分別為14.55%、11.50%及11.49%,較2020年末分別提升0.07、0.38和0.37個百分點;不良貸款率為2.32%,撥備覆蓋率為158.55%,均符合監管要求。
2021年下半年,該行將堅持疫情防控常態化管理,嚴格落實各項防疫措施,繼續堅持“質量第一,效益優先”新發展理念,以“十四五”戰略規劃為行動指南,將精細化管理與業務經營深度融合、與內部管理深度融合、與服務客户深度融合,注重向管理要效益、向質量要效益、向服務要效益,實現經營發展與管理服務雙提升。
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