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四大行净利润增速进入“3”时代 不良率齐降

2017-09-02 08:05:56   央广网

建行副行长庞秀生认为,到6月末为止,建行的息差已经消化了利率市场化和前几次基准利率下调的影响,如果没有新的变化,预计下半年建行息差可以开始平稳,甚至是略有回升。

净息差的逐季回升也推动银行利息净收入增速的回升。今年上半年,工行、建行、中行、农行的利息净收入分别达到2509.22亿元、2178.54亿元、1650.42亿元、2113.23亿元,同比增幅分别达7.1%、3.25%、6.58%、6.2%。

资产质量现向好曙光 不良率齐降

近几年,四大行一直被不良贷款余额和不良贷款率“双升”的阴霾笼罩。终于,在今年上半年,四大行资产质量出现了向好的曙光,不良贷款率齐降。其中,农行甚至出现“双降”,但不良率仍为四大行中最高。

数据显示,上半年农行不良贷款余额下降24.03亿元,工行、建行、中行新增不良贷款分别为52.71亿元、100.62亿元、10.22亿元。从不良贷款率看,工行、建行、中行、农行的不良贷款率分别为1.57%、1.51%、1.38%、2.19%,较上年末分别下降0.05%、0.01%、0.08%、0.18%。

多年的不良“双升”之后,四大行如今不良贷款率齐降,是否意味着不良拐点已至?资产质量改善的趋势能否延续到下半年?

工行董事长易会满认为,上半年宏观经济增长呈现底部企稳、局部回暖向好的态势,给银行资产质量改善提供了非常好的外部环境。从工行趋势来看,上半年工行不良贷款率、逾期贷款率、剪刀差均有所下降。

“这些都是不良贷款的后备军,这些指标改善以后对于我们的不良贷款今后的劣变会减少一些压力。从趋势来看,我觉得还是向好的方向。”易会满表示。

中行首席风险官潘岳汉则指出,下半年银行资产质量改善仍有隐忧。从国际来看,全球经济的复苏还是存在着不确定性,市场的预期敏感多变。从国内来看,随着供给侧改革的深化,过剩产能行业加速出清,企业信用风险持续暴露,部分地区新发生不良压力较大。

不过,潘岳汉表示,未来将把潜在风险提前化解和不良资产的处置作为工作的重中之重,强化目标管理和对重点地区的监管,预计全年的资产质量保持相对稳定。

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