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民生銀行(01988.HK)上半年淨利潤224.74億元 同比減少5.48%

格隆匯8月29日丨民生銀行(01988.HK)公吿,2024年上半年,集團生息資產日均餘額70,645.15億元,同比增長1.27%;淨息差1.38%,同比下降10BP,降幅同比縮窄7BP;實現利息淨收入485.82億元,同比下降5.36%,其中二季度利息淨收入243.20億元,環比實現增長。非利息淨收入方面,受代理財富收入費率下降影響,代理收入同比下降,同時資本市場波動影響公允價值變動損益,實現非利息淨收入170.07億元,同比減少15.27億元,降幅8.24%。

報吿期內,集團營業收入655.89億元,同比減少42.79億元,降幅6.12%;歸屬於本行股東的淨利潤224.74億元,同比減少13.03億元,降幅5.48%。擬向本行全體股東每10股派發現金股利人民幣1.30元(含税)。

截至報吿期末,本集團資產總額75,510.13億元,比上年末減少1,239.52億元,降幅1.62%,其中,發放貸款和墊款總額44,232.27億元,比上年末增加383.50億元,增幅0.87%,在資產總額中佔比58.58%,比上年末提升1.45個百分點。重點領域、重點區域貸款均保持較快增長,本行製造業、普惠型小微企業、綠色等重點貸款增速均高於各項貸款增速;京津冀、長三角、粵港澳大灣區、成渝、福建等重點區域貸款佔比達到65.00%,比上年末進一步提高。負債端,積極應對市場環境變化,主動壓降高成本負債,優化負債結構。

截至報吿期末,本集團負債總額69,413.71億元,比上年末減少957.93億元,降幅1.36%,吸收存款總額40,647.32億元,比上年末減少2,182.71億元,降幅5.10%,個人存款規模保持穩步增長,在吸收存款總額中佔比31.64%,比上年末提升3.47個百分點。

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