建行三季度归母净利润同比增长4.19% 高管回应发展热点问题

新京报10-30

10月30日，建设银行发布三季报显示，该行今年三季度营业收入为1794.29亿元，同比上年下降1.98%。归属本行股东净利润为958.08亿元，同比增长4.06%。同时，建设银行三季末不良贷款率1.32%，较上年末下降0.02个百分点；拨备覆盖率235.05%，较上年末上升1.45个百分点。　　建设银行副行长、董事会秘书纪志宏在业绩说明会上表示，前三季度，该行经营收入、拨备前利润、净利润、归母...

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href=http://finance.eastmoney.com/a/202510303550751163.html><strong>新京报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>10月30日，建设银行发布三季报显示，该行今年三季度营业收入为1794.29亿元，同比上年下降1.98%。归属本行股东净利润为958.08亿元，同比增长4.06%。同时，建设银行三季末不良贷款率1.32%，较上年末下降0.02个百分点；拨备覆盖率235.05%，较上年末上升1.45个百分点。　　建设银行副行长、董事会秘书纪志宏在业绩说明会上表示，前三季度，该行经营收入、拨备前利润、净利润、归母...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202510303550751163.html\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"IE00BVYPNP33.GBP","symbol_name":"GUINNESS ASIAN EQUITY INCOME \"C\" (GBP) 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the third quarter, and executives responded to hot development issues","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"00939":0.9,"CTS":1,"03143":0.6},"content_text":"10月30日，建设银行发布三季报显示，该行今年三季度营业收入为1794.29亿元，同比上年下降1.98%。归属本行股东净利润为958.08亿元，同比增长4.06%。同时，建设银行三季末不良贷款率1.32%，较上年末下降0.02个百分点；拨备覆盖率235.05%，较上年末上升1.45个百分点。　　建设银行副行长、董事会秘书纪志宏在业绩说明会上表示，前三季度，该行经营收入、拨备前利润、净利润、归母净利润均正增长。他预计，建设银行全年盈利总体保持平稳态势。　　净息差同比下行16个基点预计未来下降幅度将逐渐收窄　　建设银行三季报显示，利息净收入4276.06 亿元，较上年同期下降3.00%。净利息收益率为1.36%，较上年同期下降16个基点，但下行幅度有所收窄。　　建设银行首席财务官生柳荣表示，从资产端看，2024年的LPR下调以及今年5月的降息效应叠加释放，公开市场利率处于低位，共同导致生息资产收益率同比下降47个基点。　　“从负债端看，该行积极加强资产负债结构管理，加强对期限长、付息率高的定期存款的管控，取得了良好效果。”生柳荣介绍，前三季度存款付息率同比下降34个基点。在存款之外，该行还加强主动负债管理，全部付息负债的付息率同比下降37个基点。　　“展望未来，从政策市场环境来看，当前央行不断完善货币政策框架，畅通利率传导机制，通过强调资产端和负债端降息的对称性、加大对结构性政策工具的应用等方式，有效降低政策对净息差带来的冲击。”生柳荣指出，从建设银行自身情况来看，由于贷款重定价快于存款，在LPR及存款利率下调的滞后影响下，预计全年净息差仍有一定下行压力。但从边际情况看，存款利率下调对负债成本的降低作用正逐渐显现。同时，该行将继续提升经营能力和定价管理水平，优化资产负债结构，努力使净息差保持在合理水平。建设银行净息差下降幅度将逐渐收窄。　　个人消费贷款贴息落地两个月客户申请积极性将逐步提升　　今年9月1日，个人消费贷款贴息政策正式落地实施。生柳荣介绍，截至9月末，建设银行个人消费贷款余额6458亿元，较年初新增1177亿元，同比多增298亿元。随着政策宣传覆盖面扩大，客户服务能力提高，客户申请积极性将逐步提升。　　对于个人消费贷款贴息，生柳荣介绍，该行在手机银行、建行生活建立消费贷款财政贴息专区，方便客户办理相关业务。同时，该行采取系统自动识别为主，客户补充申请、人工审核为辅的方式，判断消费交易是否符合贴息政策。在定价方面，建设银行消费贷款坚持风险定价的基本逻辑，保持量价平衡发展，利率水平整体平稳。　　此外，针对服务业经营主体贷款贴息，生柳荣表示，该行已启动政策适配性改造，优化操作流程，将于年内部署线上补充协议签署、线上用途证明材料收集等相关功能。同时，在贷款用途的监测方面，针对贴息贷款客户，该行以线上线下相结合的方式，逐户收集用途证明材料，加强资金流向管控，确保政策红利用好用到位，真正惠及符合政策条件的市场主体。　　非息收入同比增长近14% 资本市场结构性行情带来发展机遇　　建设银行数据显示，今年前三季度，该行非利息收入1460.96亿元，较上年同期增长13.95%。 其中 ，手续费及佣金净收入896.68亿元，较上年同期增长5.31%。　　纪志宏表示，该行抓住资本市场结构性行情带来的机遇，财富管理业务边际向好。代销基金、第三方存管（CTS）延续今年以来较好增长态势，收入均保持两位数增速。代理保险抓住预定利率下行前窗口，加大与头部保险公司合作，二、三季度销量实现较好增长，带动当季收入实现同比正增长。托管规模保持同业领先地位，在公募基金、养老金等产品收入增长带动下，三季度当季收入实现同比正增长。　　“中长期看，随着居民财富持续积累，由储蓄为主向多元资产配置的周期已经开启，财富管理市场前景广阔。”纪志宏表示，今年，全球主要经济体权益类市场普遍上涨，国内资本市场明显回暖，居民投资风险偏好回升，财富管理发展势头向好。（文章来源：新京报）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"dataReport","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 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; 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