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中信銀行(00998.HK)一季度淨利潤195.09億元 同比增長1.66%

格隆匯4月29日丨中信銀行(00998.HK)公告,2025年一季度,集團經營效益保持穩健,實現歸屬於本行股東的淨利潤195.09億元,同比增長1.66%。經營收入516.14億元,同比下降3.65%,其中利息淨收入356.77億元,同比增長2.05%,主要是資產端加大信貸投放力度,負債端不斷加強成本管控,持續優化業務結構。一季度淨息差1.65%,同比下降5BPs;非利息淨收入159.37億元,同比下降14.36%,主要是受市場利率上行影響,證券投資收入等其他非息收入減少所致。

報告期內,集團資產負債結構持續改善,支持實體經濟力度不斷加大。截至報告期末,集團資產總額98,552.68億元,較上年末增長3.38%。貸款及墊款總額58,660.27億元,較上年末增加1,458.99億元,增長2.55%。其中,公司貸款(不含貼現)餘額32,121.79億元,較上年末增加3,040.62億元,增長10.46%;貼現貸款餘額3,074.51億元,較上年末減少1,424.50億元,下降31.66%;個人貸款(不含信用卡)餘額18,831.53億元,較上年末增加97.59億元,增長0.52%;信用卡貸款餘額4,632.44億元,較上年末減少254.72億元,下降5.21%。截至報告期末,集團負債總額90,284.27億元,較上年末增長3.47%。客戶存款總額60,272.67億元,較上年末增加2,490.36億元,增長4.31%。其中,公司存款餘額42,838.86億元,較上年末增加1,673.00億元,增長4.06%;個人存款餘額17,433.81億元,較上年末增加817.36億元,增長4.92%。

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