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中信銀行(00998.HK)2021年淨利潤556.41億元 同比增長13.6%

格隆匯3月24日丨中信銀行(00998.HK)發佈公吿,截至2021年12月31日止年度,公司實現經營收入2,045.54億元,比上年增長4.69%;實現歸屬於本行股東的淨利潤556.41億元,比上年增長13.60%;平均總資產回報率(ROAA)為0.72%,比上年上升0.03個百分點;平均淨資產收益率(ROAE)為10.73%,比上年上升0.65個百分點。

資產質量持續改善,風險抵禦能力增強。截至報吿期末,集團實現不良貸款量率雙降,不良貸款餘額674.59億元,比上年末減少59.93億元,下降8.16%;不良貸款率1.39%,比上年末下降0.25個百分點;逾期60天以上貸款與不良貸款比例為78.43%,比上年末下降2.03個百分點;撥備覆蓋率180.07%,比上年末上升8.39個百分點;貸款撥備率2.50%,比上年末下降0.32個百分點。

業務規模穩步增長,服務實體經濟質效提升。截至報吿期末,集團資產總額80,428.84億元,比上年末增長7.08%;貸款及墊款總額(不含應計利息)48,559.69億元,比上年末增長8.55%;客户存款總額(不含應計利息)47,365.84億元,比上年末增長4.60%。報吿期內,集團積極貫徹落實國家宏觀政策,加大重點領域信貸支持力度,普惠、製造業、戰略性新興產業、綠色信貸等各類貸款均呈現良好增長態勢。

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