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苏州银行(002966) - 2025年7月10日投资者关系活动记录表
2025-07-10 11:48
1 | | 度手续费及佣金收入同比实现较好增长。展望全年,本行 | | --- | --- | | | 将继续积极拓宽中收来源,一方面深耕财富管理业务,以 | | | 客户为中心做好多品类资产配置;另一方面在国债代销、 | | | 非金融企业债券主承销、托管等新批业务持续发力,不断 | | | 开拓新的中收业务增长点。 | | | 3、贵行近年来保持较快的资产规模增速,资本有压力 | | | 吗? | | | 答:截至今年一季度末,集团核心一级资本充足率 | | | 9.80%,一级资本充足率 11.62%,资本充足率 14.54%,各 | | | 项资本充足率指标均符合监管要求和集团资本规划管理目 | | | 标。近 50 亿元可转债顺利转股进一步增强了集团资本实力, | | | 为各项业务发展打下坚实基础。后续,本行将持续优化业务 | | | 结构,加强资本管理,不断提升资本使用效率和风险抵御能 | | | 力。 | | 关于本次活动是否 | 接待过程中,公司接待人员与投资者进行了充分的交流与 | | 涉及应披露重大信 | 沟通,严格按照有关制度规定,没有出现未公开重大信息 | | 息的说明 | 泄露等情 ...
北京银行(601169):规模扩张提速 中收高增
Xin Lang Cai Jing· 2025-05-04 00:30
北京银行披露2025 年一季报,25Q1 营业收入、PPOP、归母利润同比增速分别 为-3.18%、-2.24%、-2.44%,增速分别较24A 变动-7.99pct、-6.73pct、-3.25pct。累计业绩驱动上,规模 扩张、中收高增、成本收入比下降、拨备计提放缓形成正贡献,净息差收窄、其他非息负增和有效税率 上升形成主要负贡献。 风险提示:经济下行超预期;宏观政策力度不及预期;存款竞争加剧。 (2)中收表现较好。25Q1 公司手续费及佣金净收入同比增长24.42%,增速较24A 大幅提升32.25pct, 中收增速转正。公司推动零售业务转型战略升级,零售客户数和零售AUM 均实现较快增长,25Q1 末 分别为3100 万户和1.26 万亿,分别同比增长5.36%和13.84%。 (3)不良率略降,资产质量保持稳定。25Q1 末,公司不良率1.30%,环比24Q4改善1BP;测算公司 25Q1 不良贷款新生成率0.94%,较24A 下降3BP,不良生成压力边际缓释。拨备方面,25Q1 末公司拨 备覆盖率198.08%,较24Q4末下降10.67pct,拨贷比2.57%,较24Q4 末下降16BP。 关注 ...
招商银行一季度归母净利润372.86亿元,财富管理手续费及佣金收入增长
Bei Jing Shang Bao· 2025-04-29 12:52
北京商报讯(记者 宋亦桐)4月29日,招商银行发布2025年一季度报告,数据显示,2025年1—3月,该 行实现营业收入837.51亿元,同比下降3.09%;实现归属于该行股东的净利润372.86亿元,同比下降 2.08%;实现净利息收入529.96亿元,同比增长1.92%;实现非利息净收入307.55亿元,同比下降 10.64%。 截至一季度末,招商银行资产总额达125297.92亿元,较上年末增长3.11%;贷款和垫款总额71254.79亿 元,较上年末增长3.44%;负债总额112759.28亿元,较上年末增长3.27%;客户存款总额93194.62亿 元,较上年末增长2.45%。 净手续费及佣金收入方面,招商银行财富管理手续费及佣金收入67.83亿元,同比增长10.45%。其中, 代销理财、代销基金、代销信托计划等收入呈现增长,代销保险收入则下降,主要是受保险销量下降影 响。 资产质量方面,截至一季度末,招商银行不良贷款余额667.43亿元,较上年末增加11.33亿元;不良贷款 率0.94%,较上年末下降0.01个百分点;本集团拨备覆盖率410.03%,较上年末下降1.95个百分点;贷款 拨备率3.8 ...
光大银行(601818):配置价值仍在
Xin Lang Cai Jing· 2025-04-26 10:25
Core Viewpoints - The bank's Q1 2025 operating income, PPOP, and net profit attributable to shareholders showed year-on-year growth rates of -4.06%, -4.38%, and 0.31% respectively, with changes of +2.99 percentage points, +5.26 percentage points, and -1.91 percentage points compared to Q4 2024 [1] Group 1: Highlights - Loan growth rebounded with a year-on-year increase of 5.24% by the end of Q1 2025, up 1.36 percentage points from Q4 2024, driven by targeted credit allocation in key sectors such as technology, green finance, and inclusive finance [2] - Deposit growth showed recovery with a year-on-year increase of 3.49% by the end of Q1 2025, up 4.92 percentage points from Q4 2024, resulting in an additional 202.7 billion yuan in deposits for the quarter [2] - The bank's fee and commission income grew by 3.27% year-on-year in Q1 2025, marking the first positive growth in this area since 2021, with expectations for continued growth throughout the year as macroeconomic conditions improve [2] - Investment income saw a significant increase, with net investment income rising by 303.0% year-on-year, despite a 212.6% negative change in fair value gains and losses [2] Group 2: Concerns - The net interest margin continued to narrow, measuring 1.39% in Q1 2025, down 14 basis points from Q4 2024, with asset yield under pressure [3] - The bank's non-performing loan ratio remained stable at 1.25%, while the provision coverage ratio decreased to 174.44%, indicating a need for further strengthening of the provision buffer [3] Group 3: Investment Recommendations - The bank announced a total dividend of 0.189 yuan per share for 2024, with a payout ratio of 30.14%, reflecting a 1.73 percentage point increase from 2023, suggesting ongoing investment value [3]