郵儲銀行(01658.HK)前三季度淨利升16.22%至542.88億元
格隆匯10月29日丨郵儲銀行(01658.HK)公佈,截至2019年9月30日止9個月,公司實現營業收入人民幣2105.58億元(單位下同),同比增長7.14%;歸屬於母公司股東淨利潤542.88億元,同比增長16.22%,每股收益0.64元。年化平均總資產回報率0.74%,年化加權平均淨資產收益率15.69%。
期內,淨利息收入1791.80億元,同比增長3.09%。淨利差為2.47%,同比下降19個基點,淨利息收益率為2.52%,同比下降15個基點。手續費及佣金淨收入134.48億元,同比增長18.90%。成本收入比52.37%,同比下降2.96個百分點。
截至2019年9月30日,集團資產總額10.11萬億元,比上年末增加5943.13億元,增長6.25%。客户貸款及墊款總額48,468.45億元,比上年末增加5699.80億元,增長13.33%。其中,公司貸款17,336.84億元,個人貸款26,340.65億元,票據貼現4,790.96億元。負債總額95,989.29億元,比上年末增加5,580.31億元,增長6.17%。吸收存款91,655.26億元,比上年末增加5,380.86億元,增長6.24%。其中,公司存款11,704.37億元,個人存款79,926.76億元,其他存款24.13億元。
截至2019年9月30日,按照貸款質量五級分類,集團不良貸款餘額為400.63億元,不良貸款率為0.83%,撥備覆蓋率為391.10%。
截至2019年9月30日,核心一級資本充足率9.55%,一級資本充足率10.55%,資本充足率13.27%,均滿足監管要求。
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