中銀香港(02388.HK)前9月提取減值準備前淨經營收入升7.4%至442.69億港元
格隆匯10月30日丨中銀香港(02388.HK)公告， 2019年首九個月，中銀香港(控股)有限公司及其附屬公司提取減值準備前的淨經營收入較去年同期上升7.4%，按季亦增長3.0%。計入外匯掉期合約的資金收入或成後的淨息差按年上升10個基點至1.70%，主要受惠於市場利率上升，集團積極主動管理資產和負債，有效控制存款成，平均資產收益率有所提升，帶動淨利息收入按年上升10.5%。受市場投資氣氛轉弱影響，淨手續費及佣金收入比去年同期的高位下跌，按季亦因投資及消費減弱而下跌。客户存、貸款業務穩健發展，較2018年末分別增長4.6%及9.6%。貸款質量保持良好，特定分類或減值貸款比率為0.20%，客户貸款的信貸成基平穩。流動性覆蓋比率、穩定資金淨額比率和資比率均處於穩健水平。
2019年首九個月，集團提取減值準備前淨經營收入按年上升7.4%至港幣442.69億元。若計入外匯掉期合約的資金收入或成，淨利息收入為港幣321.75億元，按年增加10.5%，主要由淨息差擴闊及平均生息資產增長帶動。市場利率按年上升，集團積極主動管理資產和負債，有效控制存款成，平均資產收益率有所提升，帶動計入外匯掉期合約的資金收入或成後的淨息差按年上升10個基點至1.70%。淨服務費及佣金收入為港幣84.43億元，較去年同期的高位下跌4.9%，主要由於投資氣氛轉弱，股市表現及成交量走低，證券經紀及基金分銷佣金收入下跌。集團加強保險產品及服務組合創新，保險佣金收入錄得理想增長，貸款、買賣貨幣、繳款和信託及託管服務的佣金收入亦有所增長。年出售若干債務證券投資亦錄得較高的淨收益。
經營支出按年增加7.7%。其中，人事費用增長，主要反映年度調薪和增聘員工。折舊及其他經營支出亦有所增加，主要是持續投入資源提升服務能力，支持長遠業務發展。成收入比率為26.36%，成效益持續處於銀行業較佳水平。集團減值準備淨撥備為港幣11.92億元，客户貸款的信貸成為0.11%，較去年全年微增1個基點。年客户貸款增長較去年同期高，以及個別公司客户貸款的評級下降，引致撥備增加。
2019年第三季度，集團提取減值準備前淨經營收入為港幣151.00億元，較第二季度上升3.0%。若計入外匯掉期合約的資金收入或成，淨利息收入按季增加1.8%，其中淨息差按季上升1個基點至1.72%。季內，受市場環境影響，投資及消費減弱，淨服務費及佣金收入按季減少16.7%，貸款、信用卡、保險、匯票、證券經紀及基金分銷佣金收入下跌，繳款和信託及託管服務的佣金收入則按季增長。淨交易性收益按季上升，其中外匯交易收益增加。
經營支出按季上升4.7%，主要是人事費用增加。
2019年第三季度，集團減值準備淨撥備為港幣3.99億元，較第二季度減少，主要由於第二季度有個別公司客户貸款的評級下降引致撥備增加，導致基數較高。與此同時，季度更新預期信用損失模型的宏觀經濟前景因素後，撥備有所增加，部分抵銷了以上降幅。
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