《業績預測》券商料建行(00939.HK)中期純利按年升4%至逾6% 關注淨息差及信貸質素
據中國銀保監上周五(19日)公布內地商業銀行累計實現淨利潤1.2萬億人民幣按年升7.1%,建設銀行(00939.HK)將於下周二(30日)公布今年中期業績,本網綜合3間券商預測建行2022年上半年純利介乎1,594.07億元至1,634.88億元人民幣,按年增長4%至6.6%。
市場關注建行第二季按揭貸款的情況,隨著貸款市場報價利率(LPR)下調,期待建行管理層對淨息差及信貸需求、質素等方面的最新營運指引。摩根大通表示,投資者將關注建行的淨息差、資產質素、會否出資涉及出資內地房產救助基金。
【關注涉及內房信貸 淨費用收入受壓】
美銀證券料建行今年上半年純利1,609.61億人民幣按年升5%,料經營收入3,950.71億人民幣按年升3.6%,料淨息利收入按年升8.1%至3,200億人民幣,料總體貸款按年升11.9%,估淨息差2.11厘(按年收窄2個基點),估信貸減值按年升10.2%,料淨手續費收入年跌2.2%至678.9億人幣(料第二季淨手續費收入按季跌34.7%)。
摩根大通發表報告表示,預期建行2022年上半年純利按年增4%至1,594.07億人民幣;預期其收入按年增3.6%至3,947.59億元,料上半年淨息利收入3,171.24億人民幣按年升7%(按半年升3%),估淨息差2.13厘,成本數入比率23.8%,料非利息收入776.35億人民幣,按年跌8%(按半年升4%),信用減值及其他資產減值損失降至940億人民幣,估計不良貸款比率為1.43%。
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本網綜合3間券商預測建行2022年上半年純利介乎1,594.07億元至1,634.88億元人民幣,按年增長4%至6.6%。
券商│2022年上半年純利預測(人民幣)│按年變幅
野村│1,634.88億元│+6.6%
美銀證券│1,609.61億元│+5%
摩根大通│1,594.07億元│+4%
按建行2021年上半年純利1,533億元人民幣計
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據美銀證券及摩根大通預預測建行2022年上半年收入為3,950.71億人民幣,按年升3.7%;摩根大通預測其收入為3,947.59億元,按年升3.6%。
券商│2022年收入預測(人民幣)|按年變幅
美銀證券│3,950.71億元│+3.7%
摩根大通│3,947.59億元│+3.6%
按建行2021年上半年經營收入3,809.07億元人民幣計
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