匯豐控股(00005.HK)首季税前利潤跌48%至32億美元
格隆匯4月28日丨匯豐控股(00005.HK)公佈,截至2020年3月31日止第一季,實現列賬基準收入137億美元,同比下跌5%;經調整收入133億美元,同比下跌6%;母公司普通股股東應占利潤18億美元,同比下跌57%;每股基本盈利0.09美元。
受預期信貸損失及其他信貸減值準備(“預期信貸損失”)增加和收入減少影響,列賬基準除税前利潤下跌48%,降至32億美元。跌幅主要反映新型冠狀病毒疫情爆發對全球的影響,以及油價下跌所帶來的衝擊。
淨利息收益率為1.54%,較2019年第四季下跌2個基點,較2019年第一季下跌5個基點。隨着2020年第一季市場利率下降的影響全面浮現,預料未來數季的淨利息收益率會出現重大下行壓力。
列賬基準預期信貸損失達到30億美元,增加24億美元,原因來自新型冠狀病毒疫情及油價下跌對前瞻性經濟前景所造成的衝擊,以及新加坡一項與企業貸款風險相關的重大準備。預期信貸損失準備由2019年12月31日的92億美元增加至2020年3月31日的111億美元。
按固定匯率基準計算,季內貸款增加410億美元,存款則增長470億美元。貸款和存款增長的原因之一,是企業客户提取現有及新增的信貸額度,並重新存入以增加現金結餘。存款結餘增加亦反映零售銀行及財富管理業務的持續增長。
儘管集團繼續進行投資,但由於與表現掛鈎的薪酬支出減少,加上酌情開支下降,列賬基準營業支出減少5%,經調整營業支出亦下跌3%。
於2020年3月31日,普通股權一級資本比率達到14.6%(2019年第四季:14.7%),當中已計及取消2019年第四次股息的影響。流動資金覆蓋比率為156%(2019年第四季:150%),存款餘額(存款結餘高於貸款結欠的金額)超過4000億美元。
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