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《大行報告》海通國際:渣打(02888.HK)上季營收基本符預期 減值損失拖累利潤
海通國際發表研究報告指出,渣打(02888.HK)去年第四季營收基本符合預期。基本經營收入按年增長12.2%,低於市場預期的13.9%。其中,淨利息收入按年增長19.3%,低於預期的21.2%;其他收入升4.9%,低於預期的6.4%。除稅前基本利潤按年增長20.5%,低於預期的60.6%。 該行指出,渣打上季淨息差按年升39點子至1.58%,高於預期的1.56%。客戶貸款和墊款總額按年升4.1%,高過預期的跌0.2%。客戶存款按年跌2.7%,好過預期的跌3.4%。 此外,該行認為渣打上季減值損失拖累利潤,信貸減值支出總額3.44億美元,差過預期的2.57億美元,與中國房地產、巴基斯坦、加納和斯里蘭卡主權債下調評級相關。其他減值支出總額4,500萬美元,差過預期的3,700萬美元。
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