東亞銀行大跌近12% 多家大行發研報看淡
港股東亞銀行今日低開低走，截至發稿大跌近12%，現報14港元創近四月以來新低。暫成交6726.68萬港元，最新總市值約408億港元。該股近期持續陰跌，近一個月以來累跌超20%。
數據來源：富途牛牛
消息面上，9月23日，東亞銀行宣佈完成其長達9個月的對業務及資產組合的策略性檢討結果，並決定啟動出售東亞人壽的流程。東亞銀行表示，出售壽險業務的目的是提高業務價值，改善財務狀況，並使管理團隊專注於香港及內地的銀行核心業務。
東亞人壽是東亞銀行的全資附屬公司，去年的保費收入為48億元人民幣。知情人士稱，東亞銀行通過這一筆出售交易將籌得5至6億美元。但瑞銀髮布報告稱，東亞銀行所售資產規模低於市傳水平。
這一消息使得東亞銀行股價今日大幅下跌。但事實上，東亞銀行股價自8月下旬公佈業績以來就持續陰跌。
8月20日，東亞銀行披露了今年截至6月底止的中期業績。財報顯示，東亞上半年錄得營業收入84.7億港元（下同），同比下降16.9%；其中淨利息收入61.1億，同比下降17.6%。雖然營收有所下降，但淨利潤卻逆勢增長，實現歸屬於集團股東的淨利潤15.3億，較去年同期增長5.3億，漲幅達53.2%。
股東應占溢利增加，主要是由於中國內地的減值損失大幅減少。去年6月，東亞銀行稱因為市場環境惡化，預計來自中國內地資產減值損失25億至30億。與這一數字相比，東亞銀行今年減值損失同比大幅減少43%。
香港業務方面，東亞銀行上半年營收42.05億，與去年相比差距不大，佔全集團營收的49.62%。但上半年除税前淨利潤只有14.14億，與去年同期的33.22億淨利潤相比，同比大幅下降超過57%。
東亞銀行稱，香港業務大幅下滑，主要是因為全球爆發冠狀病毒病疫情，加上低息環境中淨息差收窄，淨利息收入下跌所致。另外金融市場波動導致債務和股權投資組合，錄得市值計量的固執虧損，非利息收入也因此下降。
瑞銀髮表報告表示，市場預期東亞銀行在檢討中有實質性重組，是支撐該股年初至今表現優於同業的主要因素，但隨着檢討結果完成，該利好因素減少；加上鑑於資產質量的不確定性和策略檢討結果達不到某些預期，因此仍然保持謹慎，予以其目標價11.7港元和“沽售”評級。
摩根士丹利發表報告示，市場對東亞銀行出售東亞人壽流程的期望憧憬已過高，東亞銀行本身的基本面正面臨挑戰，料其短期缺乏催化劑。決定下調對東亞銀行投資評級，由增持降至與大市同步。
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