无锡银行拨备覆盖率高达522.57%，分红比例20.89%被吐槽太小气！

金融界04-17

近年来，无锡银行业绩稳步增长，2023年实现营业收入45.37亿元，同比增长1.28%；归属于上市公司股东净利润22亿元，增幅9.96%。净息差是银行盈利能力的重要指标，2019年至2023年末，无锡银行净息差从2.02%下滑至1.64%，低于我国商业银行1.69%的整体水平。截至2023年末，无锡银行资产总额2349.56亿元，较年初增加233.53亿元，增幅11.04%；各项贷款余额...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohu8.com/m/news/2428147643?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2024-04-17 19:46","share_image_url":"https://static.laohu8.com/9a95c1376e76363c1401fee7d3717173","id":"2428147643","market":"sh","top_or_hot":-1,"title":"无锡银行拨备覆盖率高达522.57%，分红比例20.89%被吐槽太小气！","media":"金融界","content":"<div>\n<p>近年来，无锡银行业绩稳步增长，2023年实现营业收入45.37亿元，同比增长1.28%；归属于上市公司股东净利润22亿元，增幅9.96%。净息差是银行盈利能力的重要指标，2019年至2023年末，无锡银行净息差从2.02%下滑至1.64%，低于我国商业银行1.69%的整体水平。截至2023年末，无锡银行资产总额2349.56亿元，较年初增加233.53亿元，增幅11.04%；各项贷款余额...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202404171949368b2f1d1b&s=b\">网页链接</a>\n\n</div>\n","source":"tencent","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>无锡银行拨备覆盖率高达522.57%，分红比例20.89%被吐槽太小气！</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n无锡银行拨备覆盖率高达522.57%，分红比例20.89%被吐槽太小气！\n</h2>\n\n<h4 class=\"meta\">\n\n\n2024-04-17 19:46 北京时间&nbsp;&nbsp;&nbsp;<a href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202404171949368b2f1d1b&s=b><strong>金融界</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>近年来，无锡银行业绩稳步增长，2023年实现营业收入45.37亿元，同比增长1.28%；归属于上市公司股东净利润22亿元，增幅9.96%。净息差是银行盈利能力的重要指标，2019年至2023年末，无锡银行净息差从2.02%下滑至1.64%，低于我国商业银行1.69%的整体水平。截至2023年末，无锡银行资产总额2349.56亿元，较年初增加233.53亿元，增幅11.04%；各项贷款余额...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202404171949368b2f1d1b&s=b\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK0201","symbol_name":"可转债","start_time":0,"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202404171949368b2f1d1b&s=b","article_id":"2428147643","we_media_id":null,"thumbnails":[],"rights":{"source":"tencent","url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN202404171949368b2f1d1b&s=b","rn_cache_url":null,"customStyle":"body{padding-top:10px;}#news_title{font-weight:bold;#titleStyle#;}#news_description span{font-size:12px;#descriptionStyle#;}.footer-note{#statement#}","selectors":".mod-LoadTzbdNews, body","filters":".relate-stock, .hot-list, .recom-box, .wx-sou","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2428147643","pubTimestamp":1713354399,"sourceInfo":{"source_id":"tencent","name":"腾讯"},"weMediaInfo":null,"summary":"近年来，无锡银行业绩稳步增长，2023年实现营业收入45.37亿元，同比增长1.28%；归属于上市公司股东净利润22亿元，增幅9.96%。截至2023年末，无锡银行资产总额2349.56亿元，较年初增加233.53亿元，增幅11.04%；各项贷款余额1430.38亿元，较年初增加144.29亿元，增幅11.22%。另外，无锡银行2023年末拨备覆盖率高达522.57%，远超监管要求和行业平均水平。据无锡银行2023年度利润分配方案公告显示，该行拟每10股派送现金股利2元人民币，合计派发现金股利4.38亿元，分红比例为20.89%。","collect":0,"end_time":0,"defaultTopTitle":"qq.com","property":[],"viewcount":null,"language":"zh","relate_stocks":{"600908":"无锡银行","BK0201":"可转债","BK0278":"货币金融"},"translate_title":"The provision coverage ratio of Wuxi Bank is as high as 522.57%, and the dividend ratio is 20.89%. It was complained that it was too stingy!","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"600908":0.9},"content_text":"近年来，无锡银行业绩稳步增长，2023年实现营业收入45.37亿元，同比增长1.28%；归属于上市公司股东净利润22亿元，增幅9.96%。净息差是银行盈利能力的重要指标，2019年至2023年末，无锡银行净息差从2.02%下滑至1.64%，低于我国商业银行1.69%的整体水平。截至2023年末，无锡银行资产总额2349.56亿元，较年初增加233.53亿元，增幅11.04%；各项贷款余额1430.38亿元，较年初增加144.29亿元，增幅11.22%。从贷款投放的行业来看，该行于2023年加大了对房地产业的投放，数据显示，2023年末该行房地产业贷款余额12.6亿元，同比增长近80%，是近五年以来对房地产贷款投放力度最大的一年。另外，无锡银行2023年末拨备覆盖率高达522.57%，远超监管要求和行业平均水平。有业内人士表示，拨备覆盖率过高，一方面反映了该行较为审慎的风险管理，另一方面也意味着更多利润被隐藏，从而可供分红的盈余减少。此前2019年财政部发布关于《金融企业财务规则（征求意见稿）》公开征求意见的通知，明确表示“监管部门要求的拨备覆盖率基本标准为150%，对于超过监管要求2倍以上，应视为存在隐藏利润的倾向，要对超额计提部分还原成未分配利润进行分配。”据无锡银行2023年度利润分配方案公告显示，该行拟每10股派送现金股利2元人民币，合计派发现金股利4.38亿元，分红比例为20.89%。东方财富股吧有投资者表示，“无锡银行分红的确太小气了”，“公司也算不错，就是分红太小气了”。","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.22.4","shortVersion":"4.22.4","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2428147643"}