工商銀行(01398.HK)全年歸母淨利達3483.38億元 同比增長10.27%
格隆匯3月30日丨工商銀行(01398.HK)發佈2021年度業績公吿，全年集團實現營業收入人民幣8,609億元，比上年增長7.6%；撥備前利潤6,275億元，比上年增長5.5%；淨利潤3,502億元，比上年增長10.2%。平均總資產回報率、加權平均權益回報率均高於上年；資本充足率18.02%。不良貸款率1.42%，較上年末下降0.16個百分點。撥備覆蓋率逐季提高至205.84%。這些指標，充分體現了價值創造、市場地位、風險管控、資本約束的統籌平衡，彰顯了本行的高質量發展質態和強勁發展韌性。歸屬於母公司股東的淨利潤3483.38億元，同比增長10.27%。董事會建議派發2021年度普通股現金股息，每10股派發人民幣2.933元(含税)，派息總額約為人民幣1045.34億元。
2021年，面對複雜嚴峻的經營環境，本行保持良好經營質態，不斷提升金融服務質效，平衡協調可持續發展能力進一步提升。年度實現淨利潤3,502.16億元，比上年增加325.31億元，增長10.2%，平均總資產回報率1.02%，加權平均權益回報率12.15%。營業收入8,608.80億元，增長7.6%，其中，利息淨收入6,906.80億元，增長6.8%，非利息收入1,702.00億元，增長11.0%。營業費用2,362.27億元，增長14.3%，成本收入比26.36%。計提資產減值損失2,026.23億元。所得税費用746.83億元，增長0.3%。
2021年，利息淨收入6,906.80億元，比上年增加439.15億元，增長6.8%，佔營業收入的80.2%。利息收入11,622.18億元，增加696.97億元，增長6.4%；利息支出4,715.38億元，增加257.82億元，增長5.8%。淨利息差和淨利息收益率分別為1.92%和2.11%，分別比上年下降5個基點和4個基點，主要原因是本行持續讓利實體經濟，進一步降低企業融資成本。
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