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《藍籌業績》中銀香港(02388.HK)首季提取減值準備前經營溢利升7.2%至103.49億元
阿思達克 04-29 16:46
中銀香港(02388.HK)公布,首季集團提取減值準備前的淨經營收入142.24億元,按年增長6%,按季升25%;提取減值準備前的經營溢利103.49億元,按年升7.2%,按季升53.7%。 期內,計入外匯掉期合約的資金收入或成本後的淨利息收入為85.37億元,按年增長4.1%;淨息差為1.08%,按年下降3點子;淨服務費及佣金收入按年下跌22%至29.17億元,主要由於本年新冠肺炎疫情嚴峻、投資市場低迷,以及商業活動疲弱,證券經紀、保險、基金分銷、信用卡、匯票、信託及託管和繳款服務等佣金收入有所下降,貸款及買賣貨幣佣金收入則有所上升。 該行首季減值準備淨撥備為9.23億元,按年上升6億元,主要由於季內有個別公司客戶的內部評級下降,以及疫情下宏觀前景不確定性增加,更新預期信用損失模型參數,引致撥備增加。客戶貸款的年度化信貸成本為0.23%,按年上升15點子。 此外,首季客戶存、貸款穩健發展,較2021年末分別增長2.9%及4.5%。貸款質量保持良好,特定分類或減值貸款比率穩定在0.27%。流動性覆蓋比率、穩定資金淨額比率和資本比率均處於穩健水平。
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