工商銀行(01398.HK)一季度淨利潤增0.5%至907.7億元
格隆匯4月28日丨工商銀行(01398.HK)公佈，2023年一季度，實現淨利潤907.70億元，同比增長0.50%。年化平均總資產回報率0.89%，年化加權平均權益回報率11.22%，分別下降0.11和0.93個百分點。
營業收入2,184.61億元，同比下降3.52%。利息淨收入1,684.12億元，下降4.79%。受貸款市場報價利率(LPR)下調滯後反映、存款定期化延續等因素綜合影響，年化淨利息收益率(NIM)下降至1.77%。息差走勢具有行業性、階段性特徵，本行將在資產、負債兩端協同發力，持續優化結構，將NIM保持在合理區間。非利息收入500.49億元，增長1.02%，其中，手續費及佣金淨收入404.86億元，下降2.86%，主要是受資本市場波動影響，客户投資理財風險偏好下降，導致資產管理、代銷基金收入下降較多。營業費用(不含税金及附加)454.35億元，增長5.39%。成本收入比20.80%。
報吿期末，總資產420,338.95億元，比上年末增加24,237.49億元，增長6.12%。客户貸款及墊款總額(不含應計利息)245,252.05億元，增加13,148.29億元，增長5.66%，其中，境內分行人民幣貸款增加12,676.67億元，增長5.90%。從結構上看，公司類貸款151,202.03億元，個人貸款83,998.04億元，票據貼現10,051.98億元。投資110,326.77億元，增加4,989.75億元，增長4.74%。
總負債384,323.23億元，比上年末增加23,375.96億元，增長6.48%。客户存款319,838.74億元，增加21,133.83億元，增長7.08%。從結構上看，定期存款178,064.31億元，活期存款135,344.65億元，其他存款1,887.63億元，應計利息4,542.15億元。
股東權益合計36,015.72億元，比上年末增加861.53億元，增長2.45%。
按照貸款質量五級分類，不良貸款餘額3,375.91億元，比上年末增加164.21億元，不良貸款率1.38%，與上年末持平。撥備覆蓋率213.57%，上升4.10個百分點。核心一級資本充足率13.70%，一級資本充足率15.22%，資本充足率18.79%，均滿足監管要求。
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