東亞銀行(00023.HK)2021年度純利升45.8%至52.70億港元 全年派息0.70港元
格隆匯2月24日丨東亞銀行(00023.HK)公佈2021年度業績，2021年錄得錄得可歸屬於集團股東溢利達港幣52.70億元，同比上升45.8%，主要是內地業務的減值損失大幅減少，服務費及佣金淨收入改善，以及出售東亞人壽錄得收益港幣9.02億元所致；每股基本盈利由2020年的港幣0.97元增加至2021年的港幣1.53元，宣派第二次中期股息每股港幣0.35元，全年合共派息每股港幣0.70元。
整體而言，經營收入總額下跌5.9%，至港幣162.83億元。集團的淨利息收入受利率持續低企的環境影響而受壓。儘管賺取利息的平均資產增加了4.7%，但全年的淨息差由1.48%收窄至1.37%，導致淨利息收入減少3.2%，至港幣111.85億元。然而，有關情況在下半年已趨穩定，淨利息收入較上半年上升2.5%。服務費及佣金淨收入上升5.0%，至港幣30.69億元。主要受惠於保單銷售的佣金增長，香港的投資市場轉趨活躍，令相關費用收入上升，以及集團其他收入錄得增長。
金融工具的減值損失由2020年的港幣46.74億元大幅下降至2021年的港幣16.79億元。信貸成本由0.94%改善至0.28%。集團的減值貸款比率由2020年12月底的1.26%，下降至2021年12月底的1.09%，其中內地業務的減值貸款比率則由3.10%改善至1.54%。
客户存款總額增加7.5%，至港幣6335.05億元。其中，活期存款和往來存款賬户結餘增長港幣98.22億元，或14.1%；儲蓄存款增加港幣87.60億元，或4.7%；而定期存款亦增加港幣257.21億元，或7.8%。包括客户存款及所有已發行存款證的存款總額則上升7.3%，至港幣6978.32億元。
於2021年12月31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21.6%、19.8%及17.0%。截至2021年12月31日止季度的平均流動性覆蓋比率為182.4%，遠高於100%的法定下限。
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