工商銀行(01398.HK)：2022年歸母淨利3604.83億元
格隆匯3月30日丨工商銀行(01398.HK)發佈公吿，2022年，本行經營保持穩中有進、穩中提質的發展態勢，平衡、協調、可持續發展能力不斷提高。積極履行大行擔當，持續加大支持實體經濟力度。年度實現淨利潤3,610.38億元(人民幣，下同)，比上年增加108.22億元，增長3.1%；歸屬於母公司股東的淨利潤3604.83億元，同比增長3.5%；平均總資產回報率0.97%，加權平均權益回報率11.43%。營業收入8,414.41億元，下降2.3%。其中，利息淨收入6,936.87億元，增長0.4%；非利息收入1,477.54億元，下降13.2%。營業費用2,408.84億元，增長2.0%，成本收入比27.43%。計提資產減值損失1,824.19億元。所得税費用615.27億元，下降17.6%。董事會建議派發2022年度普通股現金股息，每10股派發人民幣3.035元(含税)，派息總額約為人民幣1,081.69億元。
2022年，利息淨收入6,936.87億元，比上年增加30.07億元，增長0.4%，佔營業收入的82.4%。利息收入12,803.76億元，增加1,181.58億元，增長10.2%；利息支出5,866.89億元，增加1,151.51億元，增長24.4%。淨利息差和淨利息收益率分別為1.73%和1.92%，比上年均下降19個基點，主要是本行支持實體經濟力度不斷加大，貸款市場報價利率(LPR)多次下調，貸款收益率持續下行，存款定期化使得存款平均付息率上升所致。
2019-2021年，本行平均總資產回報率(ROA)保持在1%以上，加權平均權益回報率(ROE)保持在12%左右，均處於較優水平；淨利息收益率(NIM)均保持在2.1%以上。2022年ROA、ROE分別為0.97%、11.43%；NIM1.92%，盈利能力與回報水平保持在同業可比區間。
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