换肤

主营介绍

  • 主营业务:

    公司金融业务、零售金融业务、资金业务

  • 产品类型:

    公司金融业务、零售金融业务、资金业务

  • 产品名称:

    本外币公司贷款 、 票据贴现 、 公司存款 、 结算业务 、 托管及其他受托业务 、 代理业务 、 证券买卖业务 、 信用承诺业务 、 外汇及结售汇业务 、 顾问及咨询业务 、 理财产品业务 、 委托资产管理业务 、 个人存款 、 个人贷款 、 借记卡 、 信用卡 、 个人理财 、 代销基金 、 代理保险 、 代销实物贵金属 、 代收代付 、 结售汇 、 货币市场业务 、 同业投资业务 、 债券投资交易业务 、 债券承分销业务 、 代客资产管理业务

  • 经营范围:

    吸收公众存款;发放短期、中期和长期贷款;办理国内外结算;办理票据承兑与贴现;发行金融债券;代理发行、代理兑付、承销政府债券;买卖政府债券、金融债券;从事同业拆借;买卖、代理买卖外汇;从事银行卡业务;提供信用证服务及担保;代理收付款项及代理保险业务;提供保管箱服务;经国务院银行业监督管理机构批准的其他业务。

运营业务数据

最新公告日期:2022-04-29 
业务名称 2021-12-31 2020-12-31 2019-06-30
不良贷款余额(元) 44.23亿 38.13亿 -
不良贷款率(%) 1.20 1.21 -
个人存款规模(元) 2121.61亿 1732.03亿 -
个人贷款规模(元) 1518.24亿 1293.62亿 -
信用卡累计发卡(张) 275.66万 228.72万 -
拨备覆盖率(%) 297.87 292.68 -
财富客户数(户) 78.28万 64.70万 -
零售客户数(户) 1572.83万 1468.82万 -
零售客户资产管理规模(AUM)(元) 2773.86亿 2217.35亿 -
存款余额(元) - - 2373.57亿
贷款余额(元) - - 1389.59亿

主营构成分析

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营业收入 X

单位(%) 单位(万元)
注:通常在中报、年报时披露 
业务名称 营业收入(元) 收入比例 营业成本(元) 成本比例 利润比例 毛利率
按行业 公司业务 101.23亿 48.51% 60.32亿 47.04% 50.84% 40.41%
个人业务 72.04亿 34.52% 45.00亿 35.10% 33.59% 37.52%
资金业务 31.58亿 15.13% 22.18亿 17.30% 11.68% 29.76%
其他 3.84亿 1.84% 7128.90万 0.56% 3.88% 81.42%
按产品 利息收入 325.81亿 86.02% - - - -
投资收益 23.30亿 6.15% - - - -
手续费及佣金收入 16.03亿 4.23% - - - -
公允价值变动收益 7.91亿 2.09% - - - -
资产处置收益 3.84亿 1.01% - - - -
汇兑收益 1.28亿 0.34% - - - -
其他收益 5051.40万 0.13% - - - -
其他业务收入 853.80万 0.02% - - - -
按地区 湖南省内 206.85亿 99.13% - - - -
湖南省外 1.82亿 0.87% - - - -

董事会经营评述

  一、 经营情况分析与讨论
  2022年一季度,本行聚焦重点工作,紧紧围绕“战略执行精进年”主题方向,全力推进既定战略落地,经营业绩稳步提高,核心指标持续向好。
  1、业务规模稳健发展
  2022年一季度末,本行资产总额8,265.35亿元,较年初增加303.85亿元,增幅3.82%;吸收存款本金总额5,205.55亿元,较年初增加141.86亿元,增幅2.80%;发放贷款及垫款本金总额3,877.62亿元,较年初增加181.47亿元,增幅4.91%。
  2、经营业绩稳步增长
  2022年一季度,本行实现营业收入53.87亿元,同比增长12.01%;归属于上市公司股东的净利润18.... 查看全部▼

  一、 经营情况分析与讨论
  2022年一季度,本行聚焦重点工作,紧紧围绕“战略执行精进年”主题方向,全力推进既定战略落地,经营业绩稳步提高,核心指标持续向好。
  1、业务规模稳健发展
  2022年一季度末,本行资产总额8,265.35亿元,较年初增加303.85亿元,增幅3.82%;吸收存款本金总额5,205.55亿元,较年初增加141.86亿元,增幅2.80%;发放贷款及垫款本金总额3,877.62亿元,较年初增加181.47亿元,增幅4.91%。
  2、经营业绩稳步增长
  2022年一季度,本行实现营业收入53.87亿元,同比增长12.01%;归属于上市公司股东的净利润18.21亿元,同比增长13.05%。
  3、资产质量趋势向好
  2022年一季度末,本行不良贷款率1.19%,较年初下降0.01个百分点,资产质量进一步改善。拨备覆盖率301.03%,拨贷比3.57%,均较年初有所提高。 收起▲