《藍籌業績》工行(01398.HK)去年純利升10.3%至3,483.38億人民幣勝預期 末期息29.33分人民幣
工商銀行(01398.HK)公佈截至去年12月底止全年業績,營業額8,608.8億元人民幣(下同),按年升7.6%。純利3,483.38億元,按年升10.3%,高於本網綜合券商預測(介乎3,396.15億元至3,456.33億元);每股盈利95分。每10股派發2.933元,即每股派息29.33分。
去年利息淨收入6,906.8億元,增長6.8%,淨利息差和淨利息收益率分別1.92%和2.11%,比上年下降5個基點和4個基點,主要原因是該行持續讓利實體經濟,進一步降低企業融資成本;非利息收入1,702億元,增長11.0%。手續費及傭金淨收入1,330.24億元,增長1.4%。
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,按年少4,500萬元。客戶貸款及墊款利息收入8,321.36億元,增長8.6%。
期內,撥備前利潤6,275億元,按年增長5.5%;淨利潤3,502億元,增長10.2%。資本充足率18.02%。核心一級資本充足率13.31%,減少0.13個百分點。不良貸款2,934.29億元,減少5.49億元。不良貸款率1.42%,下降0.16個百分點。撥備覆蓋率逐季提高至205.84%。
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