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交通銀行(03328.HK)前三季歸母淨利686.90億元 同比下降0.69%

交通銀行(03328.HK)公吿,2024年1-9月,實現淨經營收入1,964.11億元,同比下降1.37%;實現淨利潤(歸屬於母公司股東)686.90億元,同比下降0.69%;年化平均資產回報率和年化加權平均淨資產收益率分別為0.65%和9.06%,同比分別下降0.04個百分點和下降0.77個百分點。

報吿期末,集團資產總額145,947.09億元,較上年末增長3.80%;負債總額134,549.55億元,較上年末增長3.81%;股東權益(歸屬於母公司股東)11,279.08億元,較上年末增長3.67%。

2024年1-9月,集團淨利息收益率1.28%,同比下降2個基點。淨利息收益率同比下降,主要是資產端收益率下行較快,一是受存量房貸利率調整、LPR下調、個人房貸利率政策下限調整等因素綜合影響,客户貸款收益率同比下降較多。二是受市場利率中樞持續下行影響,證券投資收益率同比下降。為對沖資產收益率下行壓力,報吿期內,本集團合理擺佈資產負債配置,不斷優化業務結構,強化存貸款定價精細化管理,保持了淨利息收益率的相對穩定。

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