《藍籌業績》工行(01398.HK)半年純利1,737.44億人幣升1.2% 不派息
工商銀行(01398.HK)公佈截至今年6月底止中期業績,營業額4,289.06億元人民幣(下同),按年跌3.4%。純利1,737.44億元,按年升1.2%;每股盈利48分。不派息。
期內,營業利潤按年跌3.1%至2,012.72億元。稅前利潤跌3%至2,036.55億元。利息淨收入3,369.87億元,按年下降3.9%;非利息收入919.19億元,下降1.7%。手續費及傭金淨收入734.65億元,下降3.4%。年化平均總資產回報率0.84%,年化加權平均權益回報率10.51%。年化淨利息差和淨利息收益率分別爲1.52%和1.72%,按年分別下降33點子和31點子。
工行上半年計提資產減值損失1,222.55億元,下降8.7%。6月底該行貸款減值準備餘額7,511.96億元。撥備覆蓋率218.62%,比去年底上升9.15個百分點;貸款撥備率2.97%,比去年底上升0.07個百分點。不良貸款率爲1.36%,比去年底下降0.02個百分點。此外,房地產業的不良貸款512.26億元,不良貸款率6.68%。
於6月底,工行核心一級資本充足率爲13.2%,較去年底下跌0.84個百分點;一級資本充足率由15.64%降至14.67%。
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