工商銀行(01398.HK)前三季度淨利潤2699.29億元 同比增長0.81%
格隆匯10月27日丨工商銀行(01398.HK)發佈公吿，2023年前三季度，實現淨利潤2,699.29億元，同比增長0.81%。年化平均總資產回報率0.86%，年化加權平均權益回報率10.56%，分別下降0.10和0.76個百分點。
營業收入6,235.20億元，同比下降4.45%。利息淨收入5,015.26億元，下降4.72%。年化淨利息收益率1.67%。非利息收入1,219.94億元，下降3.34%，其中手續費及佣金淨收入992.31億元，下降6.07%。營業費用（不含税金及附加）1,566.96億元，增長1.40%。成本收入比25.13%。計提各類資產減值損失1,478.15億元，下降12.86%，其中，貸款減值損失1,331.44億元，增長2.04%。
報吿期末，總資產444,828.23億元，比上年末增加48,726.77億元，增長12.30%。客户貸款及墊款總額（不含應計利息）257,822.54億元，增加25,718.78億元，增長11.08%，其中，境內分行人民幣貸款增加25,464.78億元，增長11.85%。從結構上看，公司類貸款159,865.48億元，個人貸款86,223.98億元，票據貼現11,733.08億元。投資115,181.72億元，增加9,844.70億元，增長9.35%。總負債408,069.45億元，比上年末增加47,122.18億元，增長13.06%。客户存款339,808.26億元，增加41,103.35億元，增長13.76%。從結構上看，定期存款194,645.78億元，活期存款137,920.33億元，其他存款2,178.59億元，應計利息5,063.56億元。
按照貸款質量五級分類，不良貸款餘額3,499.95億元，比上年末增加288.25億元，不良貸款率1.36%，下降0.02個百分點。
撥備覆蓋率216.22%，上升6.75個百分點。核心一級資本充足率13.39%，一級資本充足率14.83%，資本充足率18.79%，均滿足監管要求。
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