民生銀行(01988.HK)一季度淨利潤137.24億元 同比下降6.94%
格隆匯4月29日丨民生銀行(01988.HK)公吿,2022年第一季度,公司實現歸屬於本行股東的淨利潤137.24億元,同比下降10.23億元,降幅6.94%;實現營業收入366.34億元,同比下降64.38億元,降幅14.95%。
營業收入下降主要是本行在深化客羣經營的同時,進一步優化客羣結構,降低信用風險,加大對優質客户的信貸投放;繼續落實減費讓利政策,提升對實體經濟的支持力度;報吿期內,本行發放貸款和墊款平均收益率同比下降,導致貸款利息收入同比減少40.40億元。持續優化投資結構,加強對經濟社會發展的綜合金融服務能力;截至報吿期末,本行境內投資中投向房地產領域的業務餘額比上年同期末下降18.78%,報吿期內,本行金融投資平均收益率同比下降,導致投資利息收入同比減少14.04億元。受資本市場及保險政策等因素影響,代理基金業務和代理躉交保險等業務規模下降,本行代理業務收入同比減少9.47億元。
截至報吿期末,集團資產總額71,576.98億元,比上年末增加2,049.12億元,增幅2.95%,其中,發放貸款和墊款總額41,893.99億元,比上年末增加1,437.07億元,增幅3.55%,在總資產中佔比58.53%,比上年末提升0.34個百分點。
截至報吿期末,集團不良貸款總額730.29億元,比上年末增加6.91億元;不良貸款率1.74%,比上年末下降0.05個百分點;逾期90天以上、60天以上貸款與不良貸款比例均小於100%;撥備覆蓋率143.11%,比上年末下降2.19個百分點;貸款撥備率2.49%,比上年末下降0.11個百分點。
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