杭州銀行(600926.SH)上半年歸母淨利潤升23.07%至50.07億元
格隆匯8月30日丨杭州銀行(600926.SH)披露2021年半年度報吿，報吿期，公司淨利差、淨息差分別為1.94%和1.93%，實現營業收入148.76億元，同比增長15.73%，其中手續費及佣金淨收入20.57億元，同比增長19.50%，中間業務淨收入佔比13.83%，較上年同期提升0.44個百分點；實現減值損失前營業利潤112.07億元，同比增長15.52%；實現歸屬於公司股東淨利潤50.07億元，同比增長23.07%；基本每股收益0.80元，歸屬於公司普通股股東的加權平均淨資產收益率(未年化)7.09%。
截至報吿期末，公司資產總額12,865.99億元，較上年末增長10.04%；貸款總額5,399.84億元，較上年末增長11.65%；貸款總額佔資產總額比例41.97%，較上年末提高0.61個百分點；負債總額12,013.33億元，較上年末增長10.38%；存款總額7,441.95億元，較上年末增長6.61%，其中個人儲蓄存款佔存款總額17.87%，較上年末上升0.70個百分點；存款總額佔負債總額比例61.95%。報吿期末，公司集團存續理財產品規模2,567.69億元，其中淨值型理財產品佔比達到91.98%，較上年末提升7.00個百分點。
報吿期，公司資產質量進一步改善，各項風險管理指標持續向好，風險抵補能力明顯增強。截至報吿期末，公司不良貸款總額52.74億元，不良貸款率0.98%，較上年末下降0.09個百分點；逾期貸款與不良貸款比例76.95%，較上年末下降1.21個百分點；逾期90天以上貸款與不良貸款比例69.20%，較上年末增加10.15個百分點。期內公司計提信用減值損失54.32億元，同比增長9.59%，其中計提貸款減值損失37.19億元，計提金融投資減值損失15.69億元；期末撥備覆蓋率530.43%，較上年末提高60.89個百分點；撥貸比5.18%，較上年末提高0.16個百分點。
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