招行一季度净赚超300亿，信用卡不良“抬头”

21世纪经济报道04-29 10:46

21世纪经济报道记者曹媛　　4月28日，招商银行（600036.SH）披露2026年一季度经营数据。　　在行业息差下行、有效信贷需求不足的背景下，该行一季度营收、净利润保持小幅增长，但资产端收益率下行压力凸显。另外，该行财富管理业务高增，成为支撑非息收入的核心力量，资产质量整体保持平稳。　　招行一季度营收、净利润保持小幅增长。季报显示，一季度招行实现营业收入869.40亿元，同比增长3.81%；...

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（图源：招行一季报）　　从招行盈利结构看，净利息收入仍是营收主力，但增长承压。一季度净利息收入556.42亿元，同比增长4.99%，在营业收入中占比为64.00%。　　但招行一季度净利差1.77%、净利息收益率1.83%，同比分别下降5个、8个基点，环比亦分别下降2个基点和3个基点。招行在季报中解释称，贷款重定价、有效信贷需求不足、零售贷款占比下降，导致生息资产收益率下滑，是拉低净利息收益率的主要因素。　　另外，贡献招行营收的非利息净收入为312.98亿元，同比增长1.77%，在营业收入中占比为36.00%。　　在非利息净收入中，招行一季度净手续费及佣金收入206.56亿元，同比增长4.87%。其他净收入106.42亿元，同比下降3.77%，主要是债券投资价差收入减少。　　其中，财富管理手续费及佣金收入85.07亿元，同比增25.42%；代理基金、代理信托、代理保险收入均实现双位数增长，代理基金收入更是同比激增55.11%，主要受权益类基金保有规模及销量同比提升影响。　　再看招行的资产负债情况，一季度规模稳步扩张，但结构出现明显分化。截至今年一季度末，招行总资产13.48万亿元，较上年末增长3.17%；贷款和垫款总额7.46万亿元，增长2.84%。　　其中，公司贷款34401.73亿元，增幅6.98%，但零售贷款为36,830.40亿元，同比下降约1.00%，主要受居民消费与购房需求复苏缓慢影响。　　负债端，一季度招行客户存款9.96万亿元，较上年末增长1.25%，活期存款占比略有回升，负债成本管控成效显现。　　资产质量方面，招行保持相对稳健，但不良生成有所上升。今年一季度末，不良贷款率0.94%，与上年末持平；不良贷款余额698.58亿元，较上年末增加16.52亿元。　　其中，一季度新生成不良贷款189.27亿元，同比增加22.75亿元，信用卡贷款成为不良生成主要增量，不良生成额120.42亿元，同比增加20.35亿元。　　房地产领域风险持续收敛，一季度末房地产业贷款余额2837.08亿元，占比4.00%，不良率4.44%，较上年末下降0.20个百分点，整体风险可控。　　另外，截至一季度末，招行拨备覆盖率387.76%，虽略有下降，但仍处于行业较高水平，风险抵补能力充足。（文章来源：21世纪经济报道）","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,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":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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