华润银行总资产破4000亿计提信用减值损失致净利承压

21世纪经济报道11-18

登录新浪财经APP 搜索【信披】查看更多考评等级近日，珠海华润银行发布2024年第三季度信息披露报告。数据显示，截至今年9月末，华润银行实现营业总收入50.23亿元，同比减少2.46%；实现净利润3.33亿元，同比减少77.97%，归母净利润3.29亿元，较去年同期减少78.09%，营收净利出现“双降”。此前，华润银行今年上半年实现净利润为6.35亿元，而今年1~9月净利润为3.32亿元。这意味着...

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href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20241118170520a2428612&s=b><strong>21世纪经济报道</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>登录新浪财经APP 搜索【信披】查看更多考评等级近日，珠海华润银行发布2024年第三季度信息披露报告。数据显示，截至今年9月末，华润银行实现营业总收入50.23亿元，同比减少2.46%；实现净利润3.33亿元，同比减少77.97%，归母净利润3.29亿元，较去年同期减少78.09%，营收净利出现“双降”。此前，华润银行今年上半年实现净利润为6.35亿元，而今年1~9月净利润为3.32亿元。这意味着...</p>\n\n<a 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搜索【信披】查看更多考评等级近日，珠海华润银行发布2024年第三季度信息披露报告。数据显示，截至今年9月末，华润银行实现营业总收入50.23亿元，同比减少2.46%；实现净利润3.33亿元，同比减少77.97%，归母净利润3.29亿元，较去年同期减少78.09%，营收净利出现“双降”。此前，华润银行今年上半年实现净利润为6.35亿元，而今年1~9月净利润为3.32亿元。这意味着，该行第三季度出现亏损，单季度亏损金额为3.02亿元。具体来看，营收、净利承压主要系计提大笔信用减值损失，以及利息净收入、手续费及佣金净收入减少等因素所致。其中，截至9月末，该行计提的信用减值损失高达31.1亿元，较上年同期增加12亿元，增幅达62.83%。计提信用减值损失令该行营业支出大幅提升，同比增加12.88亿元至47.98亿元，较上年同期增长36.70%。值得注意的是，这并非华润银行首次计提大笔信用减值损失。数据显示，2023年，该行计提信用减值损失29.67亿元，同比增加42.35%。其中，贷款信用减值损失27.62亿元，较上一年度增加9.90亿元。对此，华润银行曾在财报中解释称，该行去年对重点领域风险提前防范和化解，在对存量风险资产进行评估后计提信用减值损失，增强风险抵御能力，确保稳健经营。利息收入和手续费及佣金收入方面，截至9月末，该行实现利息收入106.59亿元，利息净收入33.13亿元，同比减少7.97%；手续费及佣金收入3.27亿元，净收入2.58亿元，较6月末增加0.69亿元。此外，截至9月末，该行实现投资收益9.66亿元，同比增加0.20%；公允价值变动收益实现扭转，由去年上年年末的-3.22亿元增加至3.66亿元。从主要监管指标来看，截至2024年9月末，华润银行不良贷款率为1.71%，较上年末下降0.02个百分点；拨备覆盖率为159.92%，较上年末下降9.4个百分点；核心一级资本充足率、一级资本充足率、资本充足率分别为10.18%、10.88%、12.76%。另一方面，近年来，华润银行实现稳步扩表，资产规模保持同比双位数增长。截至今年9月末，该行资产规模为4278.53亿元，同比增长15.58%，较去年年末增长了389.72亿元；负债规模3954.02亿元，所有者权益324.50亿元。其中，发放贷款及垫款2279.45亿元、客户存款2984.96亿元，分别较去年年末增长209.49亿元、424.3亿元。公开资料显示，华润银行成立于1996年12月。2010年1月，华润集团和珠海市政府对珠海市商业银行成功实施战略重组并完成更名，目前主要股东分别为华润集团、南方电网、中国电子、珠海市、深圳市国资控股企业。","kind":null,"is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"","news_rank":0,"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 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华润银行总资产破4000亿 计提信用减值损失致净利承压

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华润银行总资产破4000亿计提信用减值损失致净利承压