匯豐銀行去年除稅前利潤增加1% 純利按年升3%
匯豐控股(00005.HK)旗下香港上海匯豐銀行公布2019年全年綜合業績,匯豐銀行除稅前利潤增加1%至1,364.33億港元,動力源自保費收益淨額增加、淨利息收益上升以及持作交易用途或按公允值予以管理之金融工具收益增加,但增幅因營業支出增加而被部分抵銷,期內股東應佔利潤增加3%至1,057.22億港元。
匯豐銀行去年淨利息收益1,309.03億元,按年增幅為4%,來自各項環球業務,主要受香港客戶貸款增長及客戶存款息差改善所推動。此外,在客戶貸款增長的推動下,印度和新加坡的淨利息收益亦告增加。此增幅卻因中國內地、澳洲及台灣支持業務所需的資金成本增加而被部分抵銷。淨利息收益率下降4個基點,中國內地、澳洲及台灣均錄得跌幅,但被香港的升幅所部分抵銷。
該行旗下香港銀行業務淨利息收益率上升1個基點,主要由於客戶存款息差改善,同時市場利率高於上一年,令金融投資的再投資收益率提高,加上客戶貸款增長使資產組合的成分改變。但按揭及企業貸款的貸款息差受壓,部分抵銷了上述升幅。
費用收益淨額減少27.26億港元,減幅為6%,主要源自香港零售銀行及財富管理業務。減幅乃由於2019年的股市交易量減少,令證券經紀收益下跌,另外管理資金和單位信託基金的收益均下降,以及信用卡獎勵和獎賞積分支出上升,使費用收益淨額下跌。平均普通股股東權益回報率為13.9%(2018年為14.8%),普通股權一級比率為17.2%,總資本比率為21%,成本效益比率為42.6%(2018年為41.5%)。
去年營業支出總額增加60.7億港元,增幅為7%,來自各項環球業務。此乃由於業務增長計劃需涉及更多資訊科技及員工支出,加上工資上漲以及年內逾8,500名僱員轉移至服務公司後,管理支出增加所致。
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