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一线 | 中信银行2017盈利425亿 否认暂停住房抵押贷款
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一线 | 中信银行2017盈利425亿 否认暂停住房抵押贷款
March 27, 2018, 09:52:47 AM
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腾讯《一线》作者周纯
3月26日,中信银行(601998.SH/ 0998.HK)召开业绩发布会, 2017年实现营业收入1567.08亿元,比上年增长1.86%;实现归属于本行股东的净利润425.66亿元,比上年增长2.25%。
主动缩表2500亿元
作为国内首家主动缩表的银行,中信银行集团2017年资产总额5.68万亿元,比上年末下降4.27%。中信银行董事长李庆萍介绍称,2017年该行主动缩表了2500亿元,主要是由于金融同业缩表6900多亿元,营收减少了100亿元。
她还提到,中信银行2014年经过大半年的调研,自己独立完成了未来三年的战略规划,其中包括28项量化指标,到2017年末完成了24项,未完成的都是一些规模指标,这也是他们主动进行的调整。
中信银行副行长方合英进一步补充了2017年缩表的背景:去年整理市场利率走高,同业业务没有利差甚至负利差;银监会的“三三四“监管新规,银行对同业业务进行重新检查;中信银行长期发展过程中,一些低效益、零效益的资产需要压缩降低。
2018年是否会持续缩表?方合英表示,今年和去年相比发生了很大的变化,预计中信银行今年的资产增速在8%—10%,主要是在“一带一路“方面会增加3000亿元左右的投资,以及新增债券投资等等。
否认暂停住房抵押贷
本月初,有媒体报道称,中信银行暂停北京地区的住房抵押贷款,引发市场广泛关注。对此,中信银行行长孙德顺在发布会上予以否认,“我们没停,只是将产品调整了一下结构,限制和明确了额度,实际上还在开展。”
李庆萍也补充道,住房抵押贷款其实一项经营性贷款,跟房地产没有关系,所贷资金要真的用于经营。
年报显示,截至报告期末,中信银行住房按揭贷款余额 4927.63 亿元,比上年末增长 17.15%,增速比上年下降 46 个百分点,降幅较大。
此外,该行还将个人住房贷款转入不良的逾期天数标准从181 天缩短至91 天,进一步严格了个人不良贷款的确认标准。
称不良风险已见底
从资产质量来看,中信银行2017年不良贷款余额536.48亿元,比上年末增长10.43%;不良贷款率1.68%,比上年末下降0.01个百分点;拨备覆盖率169.44%,比上年末上升13.94个百分点。
李庆萍表示,已经有信号显示不良风险已经见底。她对腾讯《一线》表示,其判断的依据是,问题资产和逾期90天以上的资产比例都在下降,“整个不良资产不能光看表内这一块,要把问题资产和逾期90天以上的加在一起,这是判断一家银行整体的资产质量状况的依据。”她说。
根据年报,中信银行的“关注+不良”贷款率为3.82%,同比下降0.52个百分点。
她认为,目前整体的资产质量是可控的,国有商业银行的风险也已经释放得差不多了,“但股份制商业银行还不好说。”
零售转型成效明显
在过去三年的发展规划中,零售业务的二次转型是中信银行的一大重点,也被李庆萍评价为“在结构调整方面最大的亮点。”
其中,中信银行零售总客户达到8000万户,较之2014年增长了5000万户,年均复合增长率达到17.1%;零售业务的营业收入三年复合增长率达29%;零售业务净收入占该集团营业净收入的比重提升到34.68%,而2014年这一比重仅为18%。
李庆萍提到,未来银行不能完全依靠资本来发展,而要靠服务和创新来增收。年报显示,该行零售银行非利息净收入341.72亿元,比上年增长39.69%,占该集团非利息净收入的59.88%。其中,信用卡的贡献度超过50%。
中信银行还宣布了2018-2020年中期资本管理规划,为形成合理的资本水平及资本构成,该行将优先选择发行二级资本工具等以补充二级资本,计划发行 500 亿元的二级资本工具。方合英表示,这一计划有望在今年的第四季度实现。
此外,中信银行还有400亿元的可转债也有望在今年第四季度实施,“这些对于中信银行未来两年的资本将是一个很好的补充。”他说。
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