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零售獲客和AUM繼續保持穩健增長 招商銀行(03968.HK)一季度淨利潤增長15.18%
格隆匯 04-23 17:05

格隆匯4月23日丨招商銀行(03968.HK)發佈公吿,2021年第一季度,公司實現營業淨收入848.44億元,同比增長11.09%;歸屬於本行股東的淨利潤320.15億元,同比增長15.18%;基本每股收益1.27元。

截至2021年3月末,集團資產總額86,646.41億元,較上年末增長3.63%;負債總額79,027.87億元,較上年末增長3.56%。截至2021年3月末,集團貸款和墊款總額53,125.29億元,較上年末增長5.64%;客户存款總額58,272.14億元,較上年末增長3.53%。

2021年1-3月,集團實現淨利息收入495.24億元,同比增長8.23%,在營業淨收入中佔比58.37%。2021年1-3月集團淨利差2.44%,淨利息收益率2.52%,同比分別下降2個和4個基點,環比分別上升13個和11個基點。

2021年1-3月,集團實現非利息淨收入353.20億元,同比增長15.36%,在營業淨收入中佔比41.63%,同比上升1.54個百分點。非利息淨收入中,淨手續費及佣金收入272.02億元,同比增長23.30%,在營業淨收入中佔比32.06%,同比上升3.17個百分點;其他非利息淨收入81.18億元,同比減少5.11%,主要是上年同期市場利率有所下行,金融工具的投資收益表現較好。

截至2021年3月末,集團不良貸款餘額540.57億元,較上年末增加4.42億元;不良貸款率1.02%,較上年末下降0.05個百分點;撥備覆蓋率438.88%,較上年末上升1.20個百分點;貸款撥備率4.47%,較上年末下降0.20個百分點。

公吿顯示,截至報吿期末,公司零售客户數1.61億户(含借記卡和信用卡客户),較上年末增長1.90%,其中金葵花及以上客户(指在公司月日均總資產在50萬元及以上的零售客户)331.42萬户,較上年末增長6.85%;管理零售客户總資產(AUM)餘額95,946.18億元,較上年末增長7.30%,其中管理金葵花及以上客户總資產餘額78,802.47億元,較上年末增長7.28%,佔全行管理零售客户總資產餘額的82.13%。公司私人銀行客户(指在公司月日均總資產在1,000萬元及以上的零售客户)106,887户,較上年末增長6.91%;管理的私人銀行客户總資產29,840.07億元,較上年末增長7.55%;户均總資產2,791.74萬元,較上年末增加16.47萬元。

今年以來,隨着新冠肺炎疫情得到有效控制,經濟活動和居民生活逐步迴歸正常,公司以大財富管理體系建設為着力點,依託線上線下一體化的優質服務,零售獲客和AUM繼續保持穩健增長。展望全年,公司將以客户為中心,深化開放融合,加快創新變革,探索打通月活躍用户(MAU)到AUM的路徑,全力打造大財富管理價值循環鏈,全面提升為客户創造價值的能力。

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