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建行去年房地產貸款不良率上升0.21個百分點 @ 2012-03-26T11: Back Hot News
Keyword:建行去年 利潤 貸款
Concept:淨利潤1694億元 , 建行去年淨利1692億
新浪財經訊 3月25日晚間消息 建設銀行晚間發布2011年年報,實現淨利潤1694億元,同比增25.48%。資本充足率13.68%,核心資本充足率10.97%。值得注意的是,該行房地產貸款總額與上年持平但不良貸款和不良率上升。
    銀監會《中國銀行業運行報告》也證實了這一隱憂。報告顯示,2011年商業銀行淨利潤同比增長36.3%,盈利水平實現歷史最高水平。然而,去年第四季度,商業銀行的不良貸款余額由第三季度末的4078億元增至4279億元,環比增長4.9%;不良貸款率也由第三季度末的0.9%提高至1.0%。在業內人士看來,這也是銀行將目光重新投向風險較低資質良好的房貸業務上的重要因素之一。
他認為,銀行的利潤來自盈利能力和風險控制能力,隨著不良貸款的上升,銀行的貸款方向可能偏重於風險較低的個人貸款,通過對風險的控制實現盈利。

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