《公司業績》農業銀行(01288.HK)半年純利1,332.34億人幣升3.5% 不派息
農業銀行(01288.HK)公布截至今年6月底止中期業績,營業額3,657.94億元人民幣(下同),按年升0.7%。純利1,332.34億元,按年升3.5%,每股盈利0.37元。不派息。
期內,淨利息收入2,904.21億元,按年跌3.3%;手續費及佣金淨收入507.31億元,按年升2.5%;其他非利息收入246.42億元,按年升82.1%。
上半年,淨利息收益率1.66%,淨利差1.49%,按年分別下降36個和37個基點。淨利息收益率和淨利差按年下降主要是由於受該行支持實體經濟以及個人住房貸款等存量資產持續重定價等影響,生息資產收益率下降;受市場環境影響,付息負債付息率上升。
另外,信用減值損失1,023.52億元,按年減少31.77億元。其中,貸款減值損失967.68億元,按年增加39.92億元。
截至6月末,農行不良貸款餘額2,944億元,較年初增加233億元,不良貸款率1.35%,較年初下降0.02個百分點,逾期貸款餘額2,148億元,較年初增加19億元,逾期貸款率0.99%,較年初下降0.09個百分點。貸款減值準備餘額8,969億元,較年初增加767億元,撥備覆蓋率304.67%,較年初上升2.07個百分點,貸款撥備率4.13%,較年初下降0.03個百分點。
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