工商銀行(01398.HK)一季度淨利潤847.09億元 同比下降3.81%
格隆匯4月29日丨工商銀行(01398.HK)公佈，2025年一季度，實現淨利潤847.09億元，同比下降3.81%。年化平均總資產回報率0.68%，年化加權平均權益回報率9.06%，分別下降0.08和1.00個百分點。
營業收入2,046.88億元，同比下降2.61%。利息淨收入1,567.84億元，下降2.86%。年化淨利息收益率1.33%。非利息收入479.04億元，下降1.76%，其中，手續費及傭金淨收入388.78億元，下降1.18%。營業費用(不含稅金及附加)468.73億元，增長2.37%。成本收入比22.90%。計提各類資產減值損失571.36億元，下降4.89%，其中，貸款減值損失572.44億元，下降4.11%。
報告期末，總資產515,470.45億元，比上年末增加27,252.99億元，增長5.58%。客戶貸款及墊款總額(不含應計利息)296,830.41億元，增加13,108.12億元，增長4.62%，其中，境內分行人民幣貸款增加12,982.98億元，增長4.86%。從結構上看，公司類貸款185,934.88億元，個人貸款91,397.54億元，票據貼現19,497.99億元。投資151,161.16億元，增加9,625.40億元，增長6.80%。
總負債474,862.19億元，比上年末增加26,517.39億元，增長5.91%。客戶存款364,318.32億元，增加15,948.59億元，增長4.58%。從結構上看，定期存款216,752.35億元，活期存款140,188.43億元，其他存款2,186.04億元，應計利息5,191.50億元。
股東權益合計40,608.26億元，比上年末增加735.60億元，增長1.84%。
按照貸款質量五級分類，不良貸款餘額3,953.99億元，比上年末增加159.41億元，不良貸款率1.33%，下降0.01個百分點。撥備覆蓋率215.70%，上升0.79個百分點。
核心一級資本充足率13.89%，一級資本充足率15.11%，資本充足率19.15%，均滿足監管要求。
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