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中國銀行(03988.HK)2021年歸母淨利2165.59億元 同比增長12.28%

中國銀行(03988.HK)公吿,2021年,公司實現營業收入6057.17億元,同比增加6.71%;集團實現税後利潤2273.39億元,比上年增長10.85%;實現股東應享税後利潤2165.59億元,比上年增長12.28%;不良貸款率為1.33%,比上年末下降0.13個百分點;不良貸款撥備覆蓋率為187.05%,比上年末提高9.21個百分點。董事會建議派發2021年普通股股息每10股2.21元,派息率30%。

2021年,集團實現淨利息收入4,251.42億元,同比增加92.24億元,增長2.22%。其中,利息收入7,894.88億元,同比增加294.18億元,增長3.87%;利息支出3,643.46億元,同比增加201.94億元,增長5.87%。

2021年,集團淨息差為1.75%,同比下降10個基點,主要是境內人民幣貸款收益率有所下降。為緩解資產收益率下行的影響,本行持續優化資產負債結構。一方面堅持存款量價雙優,持續優化存款結構,努力將存款成本控制在合理水平;另一方面加大中長期貸款投放力度,中國內地人民幣中長期貸款平均餘額在中國內地人民幣客户貸款中的佔比同比提升1.31個百分點。

年末集團客户存款總額181,428.87億元,比上年末增加12,637.16億元,增長7.49%。其中,人民幣客户存款總額141,482.20億元,比上年末增加11,451.93億元,增長8.81%。外幣客户存款總額摺合6,265.46億美元,比上年末增加324.92億美元,增長5.47%。

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