中銀香港(02388.HK)前三季減值準備前淨經營收入按年減少3.0%至429.37億港元
格隆匯 10 月 30日丨中銀香港(02388.HK)公告，2020年首九個月，集團提取減值準備前的淨經營收入較去年同期減少3.0%，按季則回升2.4%。
市場利率走低，計入外匯掉期合約的資金收入或成後的淨息差及淨利息收入較去年同期分別下降32個基點及12.9%，按季分別下降22個基點及11.7%。
受新冠肺炎疫情及經濟下行影響，淨服務費及佣金收入較去年同期減少2.4%，按季回升9.4%。客户存、貸款業務穩健發展，調整認購新股活動的影響後較2019年末分別增長5.7%及8.7%。
貸款質量保持良好，9月末調整認購新股活動影響後的特定分類或減值貸款比率為0.25%。集團流動性覆蓋比率、穩定資金淨額比率和資比率均處於穩健水平。
2020年首九個月，集團提取減值準備前淨經營收入按年減少3.0%至港幣429.37億元。計入外匯掉期合約的資金收入或成本後的淨利息收入為港幣280.27億元，按年下降12.9%，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；計入外匯掉期合約的資金收入或成本後的淨息差按年收窄32個基點至1.38%，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。
面對市場環境的挑戰，集團積極主動管理資產及負債，貸款規模穩健增長，存款結構優化，支儲存佔比上升，抵銷部分負面影響。淨服務費及佣金收入按年減少2.4%至港幣82.41億元，受新冠肺炎疫情及經濟下行影響，零售、旅遊及貿易等行業受到衝擊，信用卡業務、買賣貨幣及匯票的佣金收入減少，保險、貸款及基金分銷佣金收入亦有所下降。惟股票市場交易活躍，帶動證券經紀佣金收入上升，繳款和信託及託管服務的佣金收入亦錄得增長。
此外，本年出售若干債務證券投資錄得較高淨收益，抵銷以上部分收入降幅。經營支出按年減少0.5%，其中人事費用增長，主要反映年度調薪，以及員工津貼和福利支出增加。折舊亦有所增加，主要是資訊科技基礎設施折舊支出上升。其他經營支出下降。
成本收入比率為27.05%，成本效益持續處於本地銀行業較優水平。集團減值準備淨撥備為港幣19.34億元，客户貸款的信貸成本為0.16%，較去年全年增0.02個百分點，主要受新冠肺炎疫情影響，宏觀經濟展望不確定性增加，審慎更新預期信用損失模型參數，引致減值準備撥備有所增加。
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