净息差连续回升，建行上半年净利润增5.56%

<div><!--StartFragment--> <p><span style="font-family: Calibri;">8</span><span>月</span><span style="font-family: Calibri;">28</span><span>日，</span><span>建行</span><span>公布</span><span style="font-family: Calibri;">2026</span><span>年半年度业绩</span><span>：</span></p> <p><span>上半年，集团实现经营收入</span><span style="font-family: Calibri;">4263.33</span><span>亿元，同比增长</span><span style="font-family: Calibri;">10.48%</span><span>（国际财务报告准则，集团口径，未经审核）；净利润</span><span style="font-family: Calibri;">1716.77</span><span>亿元，同比增长</span><span style="font-family: Calibri;">5.56%</span><span>；归属于该行股东的净利润</span><span style="font-family: Calibri;">1695.64</span><span>亿元，同比增长</span><span style="font-family: Calibri;">4.62%</span><span>。</span></p> <p><span>收益结构方面，上半年建行利息净收入</span><span style="font-family: Calibri;">3109.58</span><span>亿元，较上年同期增加</span><span style="font-family: Calibri;">242.49</span><span>亿元，增幅</span><span style="font-family: Calibri;">8.46%</span><span>，在经营收入中占比</span><span style="font-family: Calibri;">72.94%</span><span>；</span></p> <p><span>非利息净收入</span><span style="font-family: Calibri;">1153.75</span><span>亿元，同比增长</span><span style="font-family: Calibri;">16.31%</span><span>。</span></p> <p><span>其中，手续费及佣金净收入</span><span style="font-family: Calibri;">642.89</span><span>亿元，同比减少</span><span style="font-family: Calibri;">1.42%</span><span>；投资性证券净收益、以摊余成本计量的金融资产终止确认产生的收益等增长，带动其他非利息净收入达</span><span style="font-family: Calibri;">510.86</span><span>亿元，同比增长</span><span style="font-family: Calibri;">50.35%</span><span>。</span></p> <p><strong><span>反映盈利能力与成本控制的指标方面，建行上半年净息差为</span><span style="font-family: Calibri;">1.37%</span><span>，较去年全年和今年一季度分别上升</span><span style="font-family: Calibri;">3</span><span>个和</span><span style="font-family: Calibri;">1</span><span>个基点，延续企稳回升态势；</span></strong></p> <p><span>年化平均资产回报率为</span><span style="font-family: Calibri;">0.74%</span><span>，年化加权平均净资产收益率为</span><span style="font-family: Calibri;">9.52%</span><span>。</span></p> <p><span>此外，该行持续加强成本管理，上半年成本收入比为</span><span style="font-family: Calibri;">22.17%</span><span>，较上年同期下降</span><span style="font-family: Calibri;">1.55</span><span>个百分点。</span></p> <p><span>资产负债规模与信贷结构方面，截至</span><span style="font-family: Calibri;">6</span><span>月末，建行资产总额</span><span style="font-family: Calibri;">47.33</span><span>万亿元，较上年末增长</span><span style="font-family: Calibri;">3.72%</span><span>；发放贷款和垫款总额</span><span style="font-family: Calibri;">29.34</span><span>万亿元，增幅</span><span style="font-family: Calibri;">5.65%</span><span>。</span></p> <p><span>其中，公司类贷款总额</span><span style="font-family: Calibri;">17.60</span><span>万亿元，较上年末增长</span><span style="font-family: Calibri;">6.86%</span><span>；个人贷款总额</span><span style="font-family: Calibri;">9.19</span><span>万亿元，个人消费贷款增长</span><span style="font-family: Calibri;">14.59%</span><span>，个人住房贷款较上年末减少</span><span style="font-family: Calibri;">2.23%</span><span>。</span></p> <p><span>重点领域投放上，投向制造业的贷款增速为</span><span style="font-family: Calibri;">17.95%</span><span>，民营企业贷款增幅</span><span style="font-family: Calibri;">9.42%</span><span>。</span></p> <p><span>资产质量与资本充足性方面，报告期末建行不良贷款率为</span><span style="font-family: Calibri;">1.29%</span><span>，较上年末下降</span><span style="font-family: Calibri;">0.02</span><span>个百分点；拨备覆盖率</span><span style="font-family: Calibri;">238.69%</span><span>，较上年末上升</span><span style="font-family: Calibri;">5.54</span><span>个百分点；资本充足率和核心一级资本充足率分别为</span><span style="font-family: Calibri;">19.42%</span><span>和</span><span style="font-family: Calibri;">14.24%</span><span>。</span></p> <!--EndFragment--></div><div style="color: #666; margin-bottom: 15px;">风险提示及免责条款</div> <div> 市场有风险，投资需谨慎。本文不构成个人投资建议，也未考虑到个别用户特殊的投资目标、财务状况或需要。用户应考虑本文中的任何意见、观点或结论是否符合其特定状况。据此投资，责任自负。 </div>