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光大银行:优化结构、加快转型,发展质量和效益明显提升

2018年03月29日 14:42来源:网络整理手机版

2017年,光大银行坚持稳中求进工作总基调,紧紧围绕“服务实体经济、防范金融风险、深化金融改革”三大任务,强化高质量发展要求,零启互联,稳增长、调结构、防风险、增效益,加强前瞻性主动管理,总体经营呈现稳中有进、稳中向好的局面。在内涵式发展理念的指引下,光大银行资产负债稳步增长,结构调整持续推进,基础性存贷款业务占比提升,服务实体经济能力增强,收入结构不断优化,利润实现持续增长,各类风险总体可控,发展质量和效益明显提升。

2017年,光大银行集团实现净利润316.11亿元,同比增长4.02%;年末不良贷款率1.59%,较上年末下降0.01个百分点;拨备覆盖率158.18%,较上年末上升6.16个百分点;资本充足率13.49%,较上年末上升2.69个百分点;流动性覆盖率(LCR)101.96%,较上年末上升15.40个百分点。

资产负债稳步增长,结构调整呈现积极变化,发展质量和效益明显提升

在新的监管政策和市场环境下,光大银行顺势而为,合理安排增长计划,资产总量保持稳步增长,年末光大银行集团资产总额40,882.43亿元,较上年末增长682.01亿元,增幅1.70%。

在总量稳步增长的同时,按照“有保有压”的原则,积极稳妥推进资产负债结构调整。一方面,顺应监管政策导向,大力压缩同业业务,同业资产和同业负债较上年末大幅下降;另一方面,专注主业,扎实发展基础性存贷款业务,一般存款较上年末增长7.16%,贷款总额增长13.19%。存款增长更加注重质量和效益,全年日均核心存款占比77.11%,同比提升3.91个百分点,存款成本同比下降5个基点。贷款投放重点向国家重点领域、重点项目、战略新兴产业、行业转型升级以及居民消费等方面倾斜,贷款结构不断优化,有效满足社会融资需求,切实履行服务实体经济职能。

切实增强创收能力,有效管控营业支出,利润实现持续增长

光大银行以增强创收能力为业务发展的出发点和立足点,全年实现营业收入918.50亿元,同比下降21.87亿元,降幅2.33%,剔除营改增影响后,收入同比基本持平。利息和中收表现均有亮点:四季度实现利息净收入158.50亿元,环比三季度提升11.33亿元,企稳回升势头强劲;全年实现手续费及佣金净收入307.74亿元,同比增长26.62亿元,增幅9.47%,增长较快,手续费及佣金净收入在营业收入中占比33.50%,同比上升3.61个百分点。

2017年,光大银行在“节支”方面主动作为,从严从紧管控费用,着力提升费用投入产出效率;同时不断加强信贷风险管理,将拨备支出控制在合理水平。全年发生营业支出512.69亿元,同比下降28.31亿元,降幅5.23%。实现净利润316.11亿元,增长12.23亿元,增幅4.02%,利润实现持续增长。

主动适应监管要求,密切关注行业动态,加快推进业务转型

公司金融积极布局资产证券化,持续发力债券承销、贸易融资、供应链金融、股权融资、并购贷款等业务,债券承销市场份额提升1.57个百分点。零售金融加快向财富管理型银行转型,围绕客户资金管理需求,加强业务创新、产品设计、客户营销,全年零售客户AUM总量增长19.17%。资管业务积极落实监管要求,不断夯实客户基础,优化理财资金结构,提升理财资金稳定性,上海教育网,零售理财占比由上年末的35.59%上升至72.99%,公司理财占比由上年末的6.42%上升至12.99%。

风险指标表现平稳,资本实力显著增强,为业务发展奠定良好基础

光大银行通过优化贷款结构、强化收息收贷管理、加大不良清收化解力度等措施,有效管控信贷风险,年末不良贷款率1.59%,较上年末下降0.01个百分点;拨备覆盖率158.18%,较上年末上升6.16个百分点,风险指标表现平稳。

光大银行顺应市场形势,加强流动性风险精细化管理,增强应对短期市场波动的能力,年末流动性覆盖率(LCR)101.96%,较上年末上升15.40个百分点。既高度重视资本内源补充,又积极拓宽外部融资渠道,年末H股定增顺利完成,资本实力显著增强,为银行的长远发展奠定基础,年末资本充足率13.49%,较上年末上升2.69个百分点。

光大银行将坚持质量第一、效益优先,以打造一流银行为目标,夯实客户基础,加大创新力度,加快推进业务转型,不断加强精细化管理,着力提升核心竞争能力。

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