渣打集團(02888.HK):一季度除税前基本溢利減少12%至12億美元
格隆匯4月29日丨渣打集團(02888.HK)公佈,2020年第一季度,收入增加13%至43億美元;按固定匯率基準計算則增加15%;若不包括債務價值調整正向變動3.58億美元,收入按固定匯率基準計算增加6%。淨息差自2019年第四季度以來減少2個基點至1.52%。
2020年第一季度,成本減少2%至24億美元;按固定匯率基準計算則減少1%o正收入與成本增長差為6%(不包括債務價值調整);成本對收入比率改善4個百分點至59%(不包括債務價值調整)。
2020年第一季度,信貸減值大幅增加,主要是由於新型冠狀病毒迅速擴散帶來的經濟影響所致。第一及第二階段減值增加3.88億美元至4.51億美元,約一半按模擬情況計算,另一半來自管理層額外撥加;第三階段減值增加4.90億美元至5.05億美元,約50%來自兩項不同市場及行業的風險承擔;二〇二〇年第一季度第三階段及信貸等級12風險承擔總額增加2%至92億美元,早期預警增加超過一倍至115億美元。
2020年第一季度,撥備前的經營溢利增加41%至20億美元,按固定匯率基準計算則增加16%(不包括債務價值調整);除税前基本溢利減少12%至12億美元,按固定匯率基準計算則減少36%(不包括債務價值調整);除税前法定溢利減少29%至9億美元,包括因印度的國內生產總值增長率修訂而錄得商譽減值2.49億美元。
於2020年3月31日,普通股權一級資本比率為13.4%,符合13-14%的中期目標範圍之內,自2019年第四季度以來減少45個基點;風險加權資產增長下降60個基點,部分被2020年溢利及暫停派息的決定所抵銷;預計將於2020年第二季度完成出售Permata,令普通股權一級資本比率增加40個基點。
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