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中信銀行(00998.HK)一季度淨利潤173.50億元 同比增長10.93%

格隆匯4月29日丨中信銀行(00998.HK)公吿,2022年第一季度,公司淨利潤增長良好,實現歸屬於本行股東的淨利潤173.50億元,同比增長10.93%;實現經營收入539.54億元,同比增長3.90%。其中,利息淨收入369.46億元,同比下降1.24%;淨息差2.02%,同比下降0.11個百分點,環比上年四季度上升0.01個百分點;非利息淨收入170.08億元,同比增長17.11%。

截至報吿期末,集團資產總額82,339.97億元,較上年末增長2.38%,主要是貸款及墊款增加所致。貸款及墊款總額49,530.95億元,較上年末增長2.00%;其中,公司貸款(不含貼現)餘額24,221.12億元,較上年末增長3.68%;個人貸款餘額20,710.78億元,較上年末增長0.84%。負債總額75,772.34億元,較上年末增長2.39%,主要是客户存款增加所致。客户存款總額49,216.56億元,較上年末增長3.91%;其中,公司存款餘額38,829.20億元,較上年末增長3.15%;個人存款餘額10,387.36億元,較上年末增長6.83%。

截至報吿期末,集團不良貸款餘額、不良貸款率持續逐季雙降。集團不良貸款餘額670.59億元,較上年末減少4.00億元;不良貸款率1.35%,較上年末下降0.04個百分點;撥備覆蓋率184.19%,較上年末上升4.12個百分點;貸款撥備率2.49%,較上年末下降0.01個百分點。資產質量總體保持穩健水平。

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