農業銀行(01288.HK)上半年淨利潤1228.33億元 同比增長12.5%
格隆匯8月30日丨農業銀行(01288.HK)公吿,2021年上半年,營業收入3662.54億元,同比增長7.8%;實現淨利潤1228.33億元,同比增加136.43億元,同比增長12.5%,近兩年平均增長0.2%。基本每股收益0.34元。
截至2021年6月30日,本行總資產為286,523.63億元,較上年末增加14,473.16億元,增長5.3%。其中,客户貸款及墊款淨額增加13,078.73億元,增長9.0%;金融投資增加1,443.76億元,增長1.8%;現金及存放中央銀行款項減少733.32億元,下降3.0%;存放同業和拆出資金減少1,255.02億元,下降12.8%,主要是由於拆出資金減少;買入返售金融資產增加620.20億元,增長7.6%,主要是由於買入返售票據增加。
2021年上半年,淨利息收益率2.12%,淨利差1.96%,均同比下降8個基點。淨利息收益率和淨利差同比下降主要是由於:(1)受落實國家讓利政策以及部分貸款重定價等因素影響,貸款收益率下降;(2)受市場環境影響,存款付息率上升。
截至2021年6月末,不良貸款餘額2,473億元,比年初增加102億元,不良貸款率1.50%,比年初降低0.07個百分點;逾期貸款1,823億元,比年初減少132億元,逾期率1.10%,比年初降低0.19個百分點。貸款減值準備餘額6,790億元,比年初增加610億元,撥備覆蓋率274.53%,比年初上升13.89個百分點,貸款撥備率4.12%,比年初上升0.04個百分點。
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