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工商銀行(01398.HK):上半年歸母淨利潤1704.67億元 同比下降1.9%

格隆匯8月30日丨工商銀行(01398.HK)公佈2024中期業績,2024年上半年,本行穩步推進智能化風控、現代化佈局、數字化動能、多元化結構、生態化基礎“五化”轉型,在服務實體經濟高質量發展中推進自身高質量發展,主要經營指標保持穩健。上半年實現淨利潤1,712.96億元(人民幣,下同),同比下降2.0%,年化平均總資產回報率0.75%,年化加權平均權益回報率9.53%。營業收入4,019.99億元,下降6.3%。其中,利息淨收入3,139.50億元,下降6.8%;非利息收入880.49億元,下降4.2%。營業費用1,052.08億元,下降0.2%,成本收入比24.79%。計提資產減值損失1,020.69億元,下降16.5%。所得税費用258.88億元,下降10.5%。歸屬於母公司股東的淨利潤1,704.67億元,同比下降1.9%。董事會建議派發2024年度中期普通股現金股息,每10股派發人民幣1.434元(含税),派息總額約為人民幣511.09億元。

上半年,利息淨收入3,139.50億元,同比減少230.37億元,下降6.8%。利息收入7,210.53億元,增加244.70億元,增長3.5%;利息支出4,071.03億元,增加475.07億元,增長13.2%。受貸款市場報價利率(LPR)下調、存量房貸利率調整、存款期限結構變動等因素影響,年化淨利息差和淨利息收益率分別為1.24%和1.43%,同比分別下降28個基點和29個基點。

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