東亞銀行(00023.HK)中期純利升53.2%至15.32億港元 中期息16港仙
格隆匯8月20日丨東亞銀行(00023.HK)公佈,截至2020年6月30日止6個月,集團實現屬於公司股東溢利15.32億港元,同比增長53.2%;撥備前經營溢利41.24億港元,同比下降21.9%;每股基本盈利0.39港元,宣派中期股息每股0.16港元。
報告期內,集團實現經營收入84.74億港元,同比下降16.9%。其中淨利息收入61.14億港元,同比下降17.6%。淨息差由1.90%收窄至1.59%,而賺取利息的平均資產減少1.7%;服務費及佣金收入淨額14.35億港元,同比增長6.0%。來自貸款、透支及擔保、證券以及經紀及投資產品的佣金收入淨額均錄得增長,而貿易融資及信託及其他代理業務的佣金收入淨額則錄得下跌。
報告期內,金融資產的減值損失支銷淨額由2019年的50.63億港元大幅下降至2020年的26.75億港元,主要是由於中國內地業務錄得的減值損失減少所致。集團的減值貸款比率由2019年12月底的1.22%,上升至2020年6月底的1.29%。香港業務的減值貸款比率由0.25%上升至0.46%,而內地業務的減值貸款比率則由3.80%上升至3.91%。另外,在2020年上半年集團錄得位於馬來西亞營運的一所聯營公司的投資減值損失,金額為2.20億港元。
於2020年6月底,集團綜合資產總額達8487.13億港元,較2019年底的8651.98億港元減少1.9%。客户墊款總額下降1.5%,至5014.65億港元,而貿易票據貼現則減少10.2%,至108.43億港元。
於2020年6月30日,總資本比率、一級資本比率及普通股權一級資本比率分別為22.1%、19.5%及16.5%。截至2020年6月30日止季度的平均流動性覆蓋比率為177.7%,遠高於100%的法定下限。
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