重慶農村商業銀行(03618.HK)一季度實現淨利潤36.62億元
格隆匯4月26日丨重慶農村商業銀行(03618.HK)公吿,2024年一季度,集團實現淨利潤36.62億元,其中歸屬於本行股東的淨利潤35.24億元,分別較上年同期降低8.77%和10.81%,主要是由信用減值損失變動引起。本期信用減值損失13.33億元,較上年同期增加12.03億元,主要是由於上年同期集團實現大額不良資產處置收回,金額佔全年比重為70.76%,因此,集團上年同期信用減值損失比較基數較低,淨利潤比較基數較高。集團將在保持對資產審慎計提減值損失的基礎上,持續加大對不良資產的清收力度,力爭保持全年回款金額穩定。本期撥備前利潤51.23億元,較上年同期增長5.44%,年化平均總資產回報率1.00%,較上年同期降低0.17個百分點;年化加權平均淨資產收益率11.97%,較上年同期降低2.64個百分點。
本期集團實現營業收入71.25億元,較上年同期降低2.94%,降幅收窄0.32個百分點。其中,利息淨收入55.19億元,手續費及佣金淨收入5.23億元,增幅0.19%。淨利息收益率1.64%。本期集團營業支出為20.03億元,成本收入比較上年同期降低5.79個百分點至27.22%。主要得益於集團積極優化資源配置,多措並舉降本增效。
截至2024年3月31日,集團不良貸款餘額82.74億元,較上年末增加2.15億元;不良貸款率1.19%,較上年末持平;撥備覆蓋率367.54%,較上年末提高0.84個百分點。
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