中銀香港(02388.HK)上半年純利跌11.9%至152.09億港元 中期息44.7港仙
格隆匯8月30日丨中銀香港(02388.HK)公佈2020年中期業績，集團期內溢利為161.61億港元，按年減少21.15億港元或11.6%。股東應占溢利為152.09億港元，按年減少20.45億港元或11.9%。每股基本盈利為1.4385港元，宣派中期股息每股0.447港元。
2020年上半年提取減值準備前的淨經營收入為287.43億港元，按年減少4.26億港元或1.5%，主要由於淨息差收窄，抵銷了平均生息資產增長的正面影響，淨利息收入有所下降。
2020年上半年淨利息收入為186.36億港元。若計入外匯掉期合約的資金收入或成本，淨利息收入按年下降6.1%，主要由於淨息差收窄，部分跌幅被平均生息資產增長所抵銷。
平均生息資產按年上升1,298.96億港元或5.2%。在客户存款規模上升帶動下，客户貸款錄得增長。
淨息差為1.41%，若計入外匯掉期合約的資金收入或成本，淨息差為1.50%，按年下降19個基點，主要由於市場利率下降，存、貸款市場競爭激烈，以及貸款重訂價期檔較存款短，令貸存利差收窄；此外，債券投資及其他債務工具的平均收益率下降，以及淨無息資金貢獻下降，令淨息差收窄。
截至2020年6月30日，集團資產總額達32,267.26億港元，較上年末增長2,006.70億港元或6.6%。庫存現金及在銀行及其他金融機構的結餘及定期存放增加428.29億港元或11.7%，主要由於存放於中央銀行的結餘增長；貸款及其他賬項增長974.02億港元或6.9%，其中客户貸款增長1,078.68億港元或7.7%，貿易票據則減少74.60億港元或36.0%。其他資產增加498.59億港元或40.3%，主要由於結算相關應收賬增長。
2020年上半年，貸款及其他賬項減值準備淨撥備為13.11億港元，同比增加5.94億港元或82.8%。
於2020年6月30日，一級資本比率為20.52%，較上年末上升0.62個百分點，主要由於2020年上半年的溢利，以及監管儲備減少，留存盈利相應增加。總資本比率為23.11%，較上年末上升0.22個百分點，期內作為二級資本票據的後償負債到期贖回。
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