天津銀行(01578.HK)上半年營收81.3億元 同比增長3.7%
格隆匯8月28日丨天津銀行(01578.HK)公佈中期業績,截至2023年6月30日止六個月,本行累計實現營業收入人民幣81.3億元,同比增長3.7%;其中,持續優化資產投放結構,實現利息收入人民幣152.6億元,同比增長1.4%,實現投資收益人民幣12.7億元,同比增長44.0%;以債券承銷和交易銀行業務為增長點,實現手續費及佣金淨收入人民幣10.2億元,同比增長25.8%。同時,優化負債結構,穩定負債成本,客户存款平均付息率同比下降0.02個百分點。報吿期內,本行淨利差為1.51%、淨息差為1.75%,同比分別上升0.07和0.05個百分點。
受經濟運行面臨新的困難挑戰和外部環境複雜嚴峻等因素影響,按照審慎性和及時性原則,本行加大不良資產撥備計提力度,報吿期內累計計提各類信用減值損失人民幣51.7億元,同比增加130.0%。受大幅增提撥備影響,本行實現淨利潤人民幣8.4億元,同比下降72.4%。同時,繼續加大不良貸款核銷力度,報吿期內利用撥備核銷不良貸款人民幣32.1億元,同比增長15.9%。截至報吿期末,本行不良貸款率2.24%,撥備覆蓋率153.25%,撥貸比3.44%,資本充足率12.00%,滿足監管要求。
截至報吿期末,本行資產總額人民幣7,833.1億元,較上年末增長2.9%;聚焦天津市「十項行動」,深耕本域、做優外域,着力加大對基礎產業、製造業、綠色信貸、城市更新等重大領域和薄弱環節的金融支持,貸款規模人民幣3,713.4億元,較上年末增長10.1%。負債規模人民幣7,214.4億元,較上年末增長3.0%;加強存款產品主動管理,積極應對市場變化,存款規模人民幣4,201.1億元,較上年末增長5.6%。
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