《藍籌業績》工行(01398.HK)全年淨利潤3,456.73億元人民幣升2%略遜預期 派息30.35分人民幣
阿思達克 03-30 19:29
工商銀行(01398.HK)公布截至去年12月底止全年業績，營業收入8,414.41億元人民幣(下同)，按年跌2.3%，遜預期。本網綜合8間券商預料工行去年營業收入介乎8,626.93億元至8,848.94億元，較2021年8,608.8億元，按年上升0.2%至2.8%；中位數8,710.3億元，按年升1.2%。
期內歸屬於母公司普通股股東的本年淨利潤3,456.73億元，按年升2%，略遜預期。本綜合9間券商，預料工行2022年母公司普通股股東的本年淨利潤乎3,399.7億元至3,750.34億元，較2021年普通股股東淨利潤3,387.31億人民幣，按年升0.4%至10.7%；中位數3,513.03億元，按年升3.7%。每股盈利97分。期內派息30.35分，大致符預期。本網綜合8間券商預期工行2022年每股派息介乎30分至32分，較2021年每股股息29.33分，按年上升2.3%至9.1%；中位數為31分，按年升5.7%。平均總資產回報率0.97%，加權平均權益回報率11.43%。
期內，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。手續費及佣金淨收入1,292.65億元，比上年減少37.59億元，下降2.8%。
2022年計提各類資產減值損失1,824.19億元，比上年減少202.04億元，下降10.0%，其中，貸款減值損失1,431.73億元，減少250.94億元，下降14.9%。
不良貸款率1.38%，下降0.04個百分點。撥備覆蓋率209.47%，比上年末提高3.63個百分點；貸款撥備率2.90%，下降0.02個百分點。
2022年末，根據《商業銀行資本管理辦法（試行）》計算的核心一級資本充足率14.04%，按年升0.73個百分點；一級資本充足率15.64%，按年升0.7個百分點，資本充足率19.26%，按年升1.24個百分點，均滿足監管要求。
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