《業績》東亞銀行(00023.HK)上半年純利升14%至24.07億元 中期息增至39仙
阿思達克 08-21 12:03
東亞銀行(00023.HK)公佈截至今年6月底止中期業績，利息收入168.97億元，按年跌17.1%。經營收入降2.1%至102.59億元。純利24.07億元，按年升14%；每股盈利86仙。派中期息39仙，上年同期派31仙。
期內，未扣除減值損失之經營溢利降3.9%至54.47億元。淨利息收入降10.7%至73.44億元。由於利率下跌，淨息差按年收窄22個基點，由2.1%下降至1.88%。非利息收入按年升29.2%，至29.15億元。年化平均資產回報率爲0.5%，而年化平均股東權益回報率爲4.5%。
服務費及傭金收入淨額按年增約16.7%至16.54億元，主要由於投資活動和第三方保單銷售的傭金貢獻持續增長。交易、金融工具重估及相關對衝的淨利潤亦增加43.8%，主要受惠於客戶交投活躍，帶動結構性產品和外匯業務的收入上升。
截至今年6月底止，東亞銀行普通股權一級資本比率、一級資本比率及總資本比率分別達23.7%、25.1%、28.6。相對去年12月底止的17.7%、18.7%、22.3%。
集團表示，上半年香港業務表現穩健，除稅前溢利按年上升29.2%，主要由於非利息收入增長強勁，減值損失亦較去年同期有所下降。經營收入溫和增長0.6%，而經營支出則維持在低單位數增幅。整體而言，撥備前經營溢利大致平穩。但由於信貸需求仍然低迷，香港客戶貸款餘額輕微下降。面對持續的不確定性，銀行保持審慎的貸款策略。
內地業務上，在利率持續低企的環境下，東亞中國的經營收入比去年同期下跌0.8%至25.43億港元。由於淨息差下降21個基點至2025年6月底的1.8%，淨利息收入按年下跌9.2%，至17.4億港元。截至今年6月30日，東亞中國在內地設有29間分行及29間支行，業務遍及38個城市。
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