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《大行報告》野村:招行(03968.HK)首季淨利潤遜預期 手續費收入下降
阿思達克 04-27 11:47
野村發表研究報告指,招行(03968.HK)首季淨利潤按年增長8%,低於預期2%。2023年首季的營業收入及撥備前營業利潤(PPoP)均按年下降2%及4%,原因是淨利息收入基本持平且手續費收入較低。第一季淨利潤的增長是由於撥備損失減少。首季淨利息收入按年增長2%,佔總營業收入的62%,符合預期;淨息差為2.29%,按年下降22個基點,低於預期1個基點,這主要是由於貸款市場報價利率(LPR)重新定價導致貸款定價下降和存款成本上升;減值損失按年下降24%。 該行表示,儘管貸款準備金按年增長50%,但其他準備金增加1.29億元人民幣,支持了盈利。今年首季集團成本收入比率按年上升2個百分點至30%,比預期高1%。首季非利息收入按年下降7%,佔總營業收入的38%。
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