創興銀行(01111.HK)上半年淨利降20.96%至7.15億港元 每股派0.11港元
格隆匯 8 月 28日丨創興銀行(01111.HK)公佈中期業績,於2020年上半年,按未經審核及綜合方式計算的本銀行屬股本擁有人的溢利達7.15億港元,較2019年同期下降20.96%,每股盈利0.64港元,擬派中期息每股0.11港元;減值準備前的營業溢利為11.67億港元,與2019年同期持平。期內綜合溢利下降主要由於淨利息收入減少和金融資產減值準備增加。
2020年上半年,淨利息收入為14.63億港元,較去年同期下降5.31%,主要受大幅降息政策影響,導致市場利率水平急促下滑,銀行2020年上半年淨息差為1.41%,較去年同期下降18個基點。淨費用及佣金收入增長25.38%至2.10億港元,主要由於證券買賣、財富管理收入及貸款相關業務之費用收入增加。淨買賣及投資收入錄得1.97億港元收入,主要來自外匯資金掉期合約收益、出售債券之溢利和財資客户業務錄得可觀增長。
存款方面,於2020年6月30日的客户存款總額較2019年12月31日增加3.84%至1,689億港元。繼續維持穩健的存款基礎,藉以平衡貸款增長、財富管理及跨境金融業務的發展。期內資產總額上升2.49%至港幣2,181億元。於2020年6月30日,銀行的香港資產比重達到77.14%。
此外,於2020年6月30日,總資本比率為16.40%,一級資本比率為13.61%,而普通股權一級資本比率為11.66%。
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