《藍籌業績》招行(03968.HK)去年純利按年升23.2%至1,199.2億人民幣 每股派息1.522元人民幣
招商銀行(03968.HK)公布截至去年12月底止全年度業績,營業淨收入3,314.07億元人民幣(下同),按年增長14.17%;淨利潤1,199.22億元,按年增長23.2%。每股基本純利4.61元。每股現金分紅1.522元。
招行年內淨利息收入2,039.19億元,按年增長10.21%。年內生息資產平均收益率3.98%,按年下降15個基點;計息負債平均成本率1.59%,按年下降14個基點;淨利差2.39%,淨利息收益率2.48%,按年均下降1個基點。
招行年內非利息淨收入1,274.88億元,按年增長21.13%。淨手續費及佣金收入944.47億元,按年增長18.82%。手續費及佣金收入中,財富管理手續費及佣金收入358.41億元,按年增長29%;資產管理手續費及佣金收入108.56億元,按年增長57.52%。
招行稱,年內資產質量繼續向好,風險抵補能力持續增強。年內信用減值損失659.62億元,按年增長1.68%。不良貸款餘額508.62億元,較上年末減少27.53億元。不良貸款率0.91%,按年減少0.16個百分點。撥備覆蓋率483.87%,按年增46.19個百分點。成本收入比33.11%,按年減少0.22個百分點,並自2016年以來首現「拐點」。經營效能顯著提升,淨資產收益率(ROAE)、總資產收益率(ROAA)分別達到16.96%及1.36%,分別比上年提升1.23及0.13個百分點。
截至去年底止,該行核心一級資本充足率12.66%,按年升0.37個百分點。一級資本充足率14.94%,按年升0.96個百分點。資本充足率17.48%,按年升0.94個百分點。
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