大新金融(00440.HK)年度純利13%至13.08億港元 末期息0.73港元
格隆匯3月31日丨大新金融(00440.HK)公佈，截至2021年12月31日止年度，集團受惠年內整體經濟狀況向好，銀行集團表現改善。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13%至13.08億港元。期內保險及投資活動的業務表現維持穩健。年內下半年宣派股息每股0.73港元，全年股息為每股1.06港元，增幅達12.8%。
銀行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。扣除減值支出前之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，本年度下降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，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，但本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，本年度收入分別增長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，各業務職能部門之間的合作取得顯着成果。
集團欣然呈報於2021年繼續拓展非人壽保險業務並取得良好進展。儘管集團於香港及澳門之核心市場的市況嚴峻，年內保費收入總額上升2%。投資組合表現強勁(惟收益遜於去年)，成本及索償保持在可控範圍內，上述兩項收入共錄得溢利1.24億港元，較去年減少14%。須注意集團大部分投資組合於"其他全面收益"項下入賬，因此並無計入集團的綜合收益賬內。倘計入該等收益，保險及投資業務的整體回報為7.01億港元，投資回報率超過16%。
於2021年12月31日，大新銀行的綜合普通股權一級資本及整體綜合資本充足率分別為14.2%及18.1%。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app！
Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.
