“宇宙第一大行”的生意经

财经早餐2025-05-07

工商银行2025年一季度报显示，报告期内，工商银行实现营业收入2046.88亿元，同比下降2.61%；实现净利润847.09亿元，同比下降3.81%。报告期末，工商银行总资产51.55万亿元，比上年末增加2.73万亿元，增长5.58%。总负债47.49万亿元，比上年末增加2.65万亿元，增长5.91%。光看营收数据，似乎工行的业绩在下降，然而如果细看其一季度财务表现，其实还是很有些东西的。首先是总...

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0.43%，环比基本持平，不良生成保持平稳。拨备覆盖率215.70%，上升0.79个百分点。表现非常平稳，经营稳健度依旧。以核心营收情况来看，截至一季度末，工行中收业务加利息净收入虽然同比下降2.5%，但降幅较去年年报改善了1.1个百分点。这主要得益于息差拖累的改善，以及中收增速的修复。一季度，工行日均息差同比虽然下降0.15个百分点，但降幅相较去年年报收窄了0.04个百分点。中收同比微微下降1.2%，降幅相较去年年报的8.3%也大幅度下降。“宇宙大行”在一季度依然可以日均赚9.4亿元左右。很多人都比较关心银行的薪资情况。一季度末，工商银行包含所有子公司的应付职工薪酬达到约406.8亿元，同比去年一季报增加约3.4亿元，微增约0.8%。如果按照职工平均薪酬计算（职工薪酬总额除以职工人数），工行2024年年报显示的员工人均薪酬大约为35.3万。当然以上数据仅是粗略的计算方法，一来银行内部不同岗位的薪酬差距往往很大，普通员工的收入可能没有这么高，很可能被平均。二来由于各家银行统计员工费用和薪酬的方法可能不统一，这个数字也不太能够用来在不同银行间作对比。不管如何，工行基层员工兢兢业业服务客户，扎扎实实工作一年，获得较好的回报也是应该的。除了在经营上继续稳健，作为我国第一大行，也常被网友戏称为“宇宙第一大行”的工行在维护股东利益方面也够给力。2024年集团层面全年总派息额1097.73亿元，占归属于母公司股东净利润的比例为30%。工商银行是用真金白银回馈投资者的信任，以实际行动促进资本市场稳定。往大了说是为资本市场高质量发展赋能，为我国经济发展贡献工行力量。","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"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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