東亞銀行(00023.HK)2022年純利跌17.3%至43.59億港元 淨利息收入升20.8%、淨息差擴至1.65%
格隆匯2月16日丨東亞銀行(00023.HK)公佈2022年度業績，2022年錄得可歸屬於集團股東溢利達港幣43.59億元，按年減少17.3%。每股基本盈利為港幣1.32元。平均資產回報率為0.4%，而平均股東權益回報率為3.7%。宣派第二次中期股息每股港幣0.17元，全年合共派息每股港幣0.81元。
由於資產質素轉差，盈利能力較2021年有所下降。內地房地產行業持續受困，導致若干規模較大的客户被降級，而本行已為相關風險作出適當的撥備。儘管營商環境充滿挑戰，但東亞銀行的業務保持強韌，香港、內地及海外業務的核心盈利均全面改善。集團未扣除減值損失的經營溢利達港幣87.30億元，較2021年上升25.4%。
整體而言，經營收入總額增加10.3%，至港幣179.54億元。集團的淨利息收入增加20.8%，至港幣135.08億元。在香港及海外的利率上升帶動下，淨息差擴闊28基點至1.65%。此升幅足以抵銷非利息收入的跌幅。在疲弱的市況下，非利息收入為港幣44.46億元。服務費及佣金收入淨額減少10.3%，至港幣27.53億元。受新冠變種病毒擴散及宏觀經濟影響，投資意欲疲弱，令集團的投資產品銷售及證券經紀的佣金收入淨額減少。來自銀行保險的收入增加，抵銷了部份跌幅。銀行保險已成為該行一個增長強勁的收入來源。
金融工具的減值損失由2021年的港幣16.79億元增至2022年的港幣59.23億元。集團的減值貸款比率由2021年12月底的1.09%，上升至2022年12月底的2.39%。
客户存款總額增加2.3%，至港幣6480.93億元。其中，活期存款和往來存款賬户結餘減少17.3%；儲蓄存款減少26.2%；而定期存款則增加22.4%。包括客户存款及所有已發行存款證的存款總額為港幣6807.55億元。
於2022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20.1%、17.7%及15.8%。截至2022年12月31日止季度的平均流動性覆蓋比率為197.7%，遠高於100%的法定下限。
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