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匯控(00005.HK):宏觀經濟惡化或令未來數年RoTE無法達15%目標
阿思達克 07-30 12:23
匯控(00005.HK)表示,繼續以於2025至2027年三年期間,每年平均有形股本回報率(RoTE)達到約15%為目標(不計及須予注意項目)。此外,根據最新的模型推算,並考慮到匯率的有利影響和香港銀行同業拆息下跌的不利影響,尤其是在2025年第二季,繼續預期2025年的銀行業務淨利息收益約達420億美元。 集團指,具備良好條件,可妥善管理營運所在全球環境中存在的變化和不明朗因素,包括與關稅相關者,已透過模型推算破壞性關稅境況,包括政策利率大幅下調,以及更廣泛的宏觀經濟惡化。預計關稅對集團收入的直接影響較為溫和,但更廣泛的宏觀經濟惡化可能導致未來數年不計及須予注意項目平均有形股本回報率無法達到約15%的目標範圍。 集團目前預期2025年預期信貸損失準備佔貸款總額平均值的百分比約為40個基點,包括持作出售用途貸款結欠。這反映香港商業房地產行業持續面對困難市況。 集團繼續預期2025年的貸款需求將持續低迷。但中長期而言,預期客戶貸款結欠按年可達中單位數百分比增長。 該集團同時繼續預期財富管理業務的費用及其他收益中期內可達每年雙位數的平均百分比增長。 集團擬將普通股權一級資本比率維持在14%至14.5%的中期目標範圍,而2025年的股息派付比率目標基準則為50%,當中不計及重大須予注意項目及相關影響。
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