中(zhong)(zhong)證(zheng)網訊（記者 王(wang)凱(kai)文）10月30日，工(gong)農(nong)中(zhong)(zhong)建四(si)大(da)行均披露了三(san)季報(bao)。2018年前三(san)季度，四(si)大(da)行工(gong)實(shi)現(xian)歸母公(gong)(gong)司(si)(si)凈(jing)利(li)潤(run)7786.21億(yi)(yi)元，同比(bi)增(zeng)5.97%。其中(zhong)(zhong)，工(gong)商銀行實(shi)現(xian)歸母公(gong)(gong)司(si)(si)凈(jing)利(li)潤(run)2396.28億(yi)(yi)元，同比(bi)增(zeng)長5.10%；農(nong)業銀行實(shi)現(xian)歸母公(gong)(gong)司(si)(si)凈(jing)利(li)潤(run)1716.11億(yi)(yi)元，同比(bi)增(zeng)長7.25%；中(zhong)(zhong)國(guo)銀行實(shi)現(xian)歸母公(gong)(gong)司(si)(si)凈(jing)利(li)潤(run)1532.74億(yi)(yi)元，同比(bi)增(zeng)長5.34%；建設銀行實(shi)現(xian)歸母公(gong)(gong)司(si)(si)凈(jing)利(li)潤(run)2141.08億(yi)(yi)元，同比(bi)增(zeng)長6.39%。

　　前三季(ji)度，工商銀(yin)行(xing)實(shi)現(xian)利(li)(li)息(xi)(xi)凈(jing)收(shou)(shou)入(ru)(ru)4236.30億(yi)元(yuan)(yuan)，同(tong)(tong)(tong)比增(zeng)(zeng)長10.28%，年化凈(jing)利(li)(li)息(xi)(xi)收(shou)(shou)益率同(tong)(tong)(tong)比上升0.13個(ge)百(bai)分(fen)(fen)點(dian)至(zhi)2.30%。農業銀(yin)行(xing)實(shi)現(xian)利(li)(li)息(xi)(xi)凈(jing)收(shou)(shou)入(ru)(ru)3554.15億(yi)元(yuan)(yuan)，同(tong)(tong)(tong)比上升9.61%。中國銀(yin)行(xing)實(shi)現(xian)利(li)(li)息(xi)(xi)凈(jing)收(shou)(shou)入(ru)(ru)2643.06億(yi)元(yuan)(yuan)，同(tong)(tong)(tong)比增(zeng)(zeng)加122.22億(yi)元(yuan)(yuan)，增(zeng)(zeng)長4.85%；凈(jing)息(xi)(xi)差1.89%，同(tong)(tong)(tong)比增(zeng)(zeng)加0.04個(ge)百(bai)分(fen)(fen)點(dian)。建設銀(yin)行(xing)實(shi)現(xian)利(li)(li)息(xi)(xi)凈(jing)收(shou)(shou)入(ru)(ru)3657.25億(yi)元(yuan)(yuan)，較(jiao)上年同(tong)(tong)(tong)期增(zeng)(zeng)長9.72%；凈(jing)利(li)(li)差為2.21%，凈(jing)利(li)(li)息(xi)(xi)收(shou)(shou)益率為2.34%，均較(jiao)上年同(tong)(tong)(tong)期上升0.18個(ge)百(bai)分(fen)(fen)點(dian)。

　　9月末(mo)(mo)(mo)(mo)，工商(shang)銀(yin)行不(bu)(bu)(bu)良(liang)貸款(kuan)余額為(wei)(wei)2340.42億(yi)(yi)元，比上(shang)(shang)年(nian)末(mo)(mo)(mo)(mo)增(zeng)加130.54億(yi)(yi)元；不(bu)(bu)(bu)良(liang)貸款(kuan)率(lv)為(wei)(wei)1.53%，比上(shang)(shang)年(nian)末(mo)(mo)(mo)(mo)下(xia)降(jiang)0.02個(ge)百(bai)分(fen)點(dian)；撥(bo)(bo)備(bei)覆(fu)蓋(gai)率(lv)為(wei)(wei)172.45%，比上(shang)(shang)年(nian)末(mo)(mo)(mo)(mo)提(ti)高(gao)18.38個(ge)百(bai)分(fen)點(dian)。農(nong)業銀(yin)行不(bu)(bu)(bu)良(liang)貸款(kuan)余額1882.58億(yi)(yi)元，較上(shang)(shang)年(nian)末(mo)(mo)(mo)(mo)下(xia)降(jiang)57.74億(yi)(yi)元；不(bu)(bu)(bu)良(liang)貸款(kuan)率(lv)1.60%，較上(shang)(shang)年(nian)末(mo)(mo)(mo)(mo)下(xia)降(jiang)0.21個(ge)百(bai)分(fen)點(dian)；撥(bo)(bo)備(bei)覆(fu)蓋(gai)率(lv)254.94%，較上(shang)(shang)年(nian)末(mo)(mo)(mo)(mo)上(shang)(shang)升46.57個(ge)百(bai)分(fen)點(dian)。中國銀(yin)行不(bu)(bu)(bu)良(liang)貸款(kuan)總(zong)額1,668.35億(yi)(yi)元，不(bu)(bu)(bu)良(liang)貸款(kuan)率(lv)1.43%，不(bu)(bu)(bu)良(liang)貸款(kuan)撥(bo)(bo)備(bei)覆(fu)蓋(gai)率(lv)169.23%。建(jian)設銀(yin)行不(bu)(bu)(bu)良(liang)貸款(kuan)余額為(wei)(wei)2018.21億(yi)(yi)元，較上(shang)(shang)年(nian)末(mo)(mo)(mo)(mo)增(zeng)加95.30億(yi)(yi)元；不(bu)(bu)(bu)良(liang)貸款(kuan)率(lv)1.47%，較上(shang)(shang)年(nian)末(mo)(mo)(mo)(mo)下(xia)降(jiang)0.02個(ge)百(bai)分(fen)點(dian)；撥(bo)(bo)備(bei)覆(fu)蓋(gai)率(lv)為(wei)(wei)195.16%，較上(shang)(shang)年(nian)末(mo)(mo)(mo)(mo)上(shang)(shang)升24.08個(ge)百(bai)分(fen)點(dian)。