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大新銀行集團(02356.HK)2021年淨利增長11%至16.58億港元
格隆匯 03-31 18:49

格隆匯3月31日丨 大新銀行集團(02356.HK)公吿,2021年年度業績,營運收入53.84億港元,同比增加2.6%;集團受惠年內整體經濟狀況向好,雖然下半年盈利增長趨勢略為放緩,截至2021年12月31日止年度的股東應占溢利增長11%至16.58億港元。每股盈利1.18港元;年內下半年宣派股息每股0.24港元,全年股息為每股0.34港元,增幅達13.3%。

集團錄得股東應占溢利增長11%,主要由於貸款的減值支出下降及淨利息收入有所改善而致。由於信貸質素改善及淨息差平穩,基本業務表現得以改善。扣除減值支出前營運溢利略低於去年,較2020年減少2%。

由於淨息差增加,加上利息收入資產結餘有所提高,故儘管核心貸款市場需求相對疲弱,年內淨利息收入仍增長7%。非利息收入方面,繼2020年大幅上升後,於2021年略有回落,年度下降7%。大部分業務的貸款需求仍然疲弱。整體貸款增長5%,商業及零售銀行業務均錄得温和增長。在經歷2020年的困難營商環境後,本集團的貿易融資業務有所回升,而儘管本地營商環境仍充滿挑戰,本地住宅按揭貸款及消費者貸款業務仍能錄得温和增長。

由於集團於年內致力控制資金成本,且年底利率有所上調,淨息差增長9個基點。儘管非利息收入整體略為減少,集團商業銀行業務及財富管理業務(不包括保險銷售)的非利息收入呈現較強勁增長,年度收入分別增長8%及13%。在執行加強客户關係及交叉銷售的中期發展策略驅動下,各業務職能部門間的合作取得顯著成果。

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