建行去年资产增速创新高，房地产不良率明显抬升

第一财经2023-03-29

3月29日晚间，建设银行发布2022年年报，该行去年实现营业收入8224.73亿元，同比下滑0.22%，实现净利润3231.66亿元，同比增长6.33%。具体看营收结构，该行去年利息净收入为6430.64亿元，同比增6.22%，主要系生息资产增长带动。同期净息差继续收窄。数据显示，建行2022年末净利差（1.82%）、净利息收益率（即净息差，2.02%）分别同比下降12个基点、11个基点。2018...

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significantly","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"601939":0.9,"00939":0.9,"03143":0.6},"content_text":"3月29日晚间，建设银行发布2022年年报，该行去年实现营业收入8224.73亿元，同比下滑0.22%，实现净利润3231.66亿元，同比增长6.33%。具体看营收结构，该行去年利息净收入为6430.64亿元，同比增6.22%，主要系生息资产增长带动。同期净息差继续收窄。数据显示，建行2022年末净利差（1.82%）、净利息收益率（即净息差，2.02%）分别同比下降12个基点、11个基点。2018年末～2021年末，该行净息差分别为2.36%、2.32%、2.19%、2.13%。对此，建行在财报中表示，受贷款重定价基准转换、持续向实体经济让利等因素影响，贷款收益率下降；同时，债券投资收益率因市场利率下行低于上年，存款成本受市场竞争持续加剧影响保持刚性。该行去年非利息收入同比下滑18.01%，成为营收下滑的主要拖累。其中，受外部经营环境变化等因素影响，手续费及佣金净收入（1160.85亿元）较上年下降4.45%，其中代理业务手续费收入（192.31亿元）略降0.27%，主要是代销基金受资本市场波动影响同比下降，不过代理保险收入支撑作用明显，该行通过加强资产配置、积极把握客户保障需求，收入实现较快增长；另外，由于线下消费交易额及消费回佣收入有所下降，该行银行卡手续费收入（170.98亿元）较上年减少40.50亿元，降幅19.15%。该行去年其他非利息收入（633.24亿元）下降较为明显，同比减少340.10亿元，降幅34.94%。其中受股票市场和债券市场波动影响，公允价值变动损失123.59亿元，收益较上年减少189.10亿元。截至去年年末，建行资产总额为34.60万亿元，较上年增长14.37%，增速创2009年以来新高。其中，发放贷款和垫款总额21.20万亿元，较上年增加2.39万亿元，增幅12.71%。细分来看，境内对公贷款投向基础设施行业领域的贷款余额为5.71万亿元（占比51.79%），同比增幅12.62%；投向制造业的贷款2.24万亿元，同比增长32.78%；房地产行业贷款余额7706.75亿元，较上年增加405.88亿元。境内个人贷款和垫款中，个人住房贷款余额为6.48万亿元，同比增长1.46%，增速较2021年的9.53%、2020年的9.91%明显回落；信用卡贷款9248.73亿元，同比增幅3.20%，增速略降；个人消费贷款2954.43亿元，增幅26.81%，较2021年同比下降11.94%明显好转；个人经营贷款4153.44亿元，同比增长83.40%，较2021年（63.53%）进一步提速。去年末，该行负债总额为31.72万亿元，增幅14.77%，其中吸收存款25.02万亿元，增幅11.81%。具体项目上，公司类存款占比略降至44.36%，个人存款占比52.25%略升。境内存款中，活期存款（12.05万亿元）、定期存款（12.12万亿元）分别同比增5.48%、18.94%。资产质量方面，去年末建行不良贷款余额为2928.25亿元，较上年末增加267.54亿元；不良贷款率回落0.04个百分点，降至1.38%。对公业务中，制造业不良率由于4.20%降至2.80%，但房地产业不良率由1.85%升至4.36%，2020年末、2021年末则分别为1.35%、1.81%；个人贷款中，个人住房贷款不良率由0.20%升至0.37%。同期，该行拨备覆盖率由上年末的239.96%略升至241.53%。2022年，建行资本充足率有所回升，报告期末资本充足率、一级资本充足率、核心一级资本充足率分别为18.42%、14.40%、13.69%，分别较上年末提升0.57、0.26、0.10个百分点。","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 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