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不良貸款擴散加速風險清查 @ 2012-11-17T06: Back Hot News
Keyword:不良
Concept:三季度末商業銀行不良貸款余額4788億
但實現淨萬億元利潤背後,商業銀行的資產質量承壓。數據表明,三季度末商業銀行不良貸款余額為4788億元,連續四個季度反彈,不良貸款率升至0.95%,前兩季均為0.94%。商業銀行核心資本充足率達10.58%,比二季度提高0.17個百分點。細分數據中,僅大型銀行不良貸款率保持下降,包括股份制銀行、城商行、農商行、外資銀行在內的其余銀行不良貸款率均上升。
2012年上市公司三季報業已全部公布,從三季報可以看出,中國銀行業持續十年之久不良貸款雙降時代或將結束, 16家上市銀行不良貸款余額為3879.33億元,較二季度增加100.24億元,較年初增加180億元。不良率方面,銀監會的數據顯示,截至9月末,商業銀行不良貸款率為0.97%,高於二季度末0.9%的水平。
內銀股今日多向上,五大行除交行跌1.95%,余者分別漲1.51%-2.28%。信行〔00998.HK〕漲1.02%,招行〔03968.HK〕漲1.97%,民生〔01988.HK〕挫1.40%。據中國證券報報道,上市銀行三季報31日出齊。16家上市銀行前三季度實現歸屬於母公司的淨利潤約8127.99億元,同比增長17.44%,增速較上半年和去年同期均有所收窄。與半年報披露的財務數據相比,多家商業銀行不良貸款率和不良貸款余額實現「單降」或「雙降」。

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