汇丰银行去年除税前利润增加1% 纯利按年升3%
汇丰控股(00005.HK)旗下香港上海汇丰银行公布2019年全年综合业绩,汇丰银行除税前利润增加1%至1,364.33亿港元,动力源自保费收益净额增加、净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,但增幅因营业支出增加而被部分抵销,期内股东应占利润增加3%至1,057.22亿港元。
汇丰银行去年净利息收益1,309.03亿元,按年增幅为4%,来自各项环球业务,主要受香港客户贷款增长及客户存款息差改善所推动。此外,在客户贷款增长的推动下,印度和新加坡的净利息收益亦告增加。此增幅却因中国内地、澳洲及台湾支持业务所需的资金成本增加而被部分抵销。净利息收益率下降4个基点,中国内地、澳洲及台湾均录得跌幅,但被香港的升幅所部分抵销。
该行旗下香港银行业务净利息收益率上升1个基点,主要由於客户存款息差改善,同时市场利率高於上一年,令金融投资的再投资收益率提高,加上客户贷款增长使资产组合的成分改变。但按揭及企业贷款的贷款息差受压,部分抵销了上述升幅。
费用收益净额减少27.26亿港元,减幅为6%,主要源自香港零售银行及财富管理业务。减幅乃由於2019年的股市交易量减少,令证券经纪收益下跌,另外管理资金和单位信托基金的收益均下降,以及信用卡奖励和奖赏积分支出上升,使费用收益净额下跌。平均普通股股东权益回报率为13.9%(2018年为14.8%),普通股权一级比率为17.2%,总资本比率为21%,成本效益比率为42.6%(2018年为41.5%)。
去年营业支出总额增加60.7亿港元,增幅为7%,来自各项环球业务。此乃由於业务增长计划需涉及更多资讯科技及员工支出,加上工资上涨以及年内逾8,500名雇员转移至服务公司後,管理支出增加所致。
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