《业绩前瞻》券商料工行(01398.HK)中期多赚约4%关注贷款质素及净息差等
工商银行(01398.HK)将於下周四(29日)公布截至今年6月底止中期业绩。预期各项业绩指标均平稳下，本网综合7间券商预测，料工行今年上半年纯利介乎1,664.02亿至1,678.22亿元人民币，较2018年同期1,604.42亿人民币，按年增加3.7%至4.6%，中位数1,672亿元人民币，按年增加4.2%。投资者将关注其资产质素、净息差表现及其入股锦州银行的进展及情况。
综合4间券商预测，工行今年上半年净利息收入料介乎2,872亿至3,001.03亿元人民币，较2018年同期2,776.16亿元人民币，按年增加3.5%至8.1%。中位数2,984.67亿元人民币，按年增加7.5%。
【关注净息差 注视锦州行】
摩根大通又料工行中期纯利按年升3.7%至1,664.02亿元人民币，贷款减值损失按年升18.5%至918.86亿元人民币，估计利息净收入按年升7%至2,976.46亿元人民币，净息差按年收窄2个基点至2.28%，并估计非利息收入按年增长11%至932.41亿元人民币。
该行指，投资者对工行中期业绩将聚焦三要点，第一是资产质素，工行今年首季不良贷款率按季跌1个基点後，料其上半年不良贷款率会按半年升1个基点至1.54%；第二是净息差，指工行自去年首季以来净息差保持平稳，并会关注第二季净息差表现；第三是工行入股锦州银行情况。
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本网综合7间券商预测，料工行今年上半年纯利介乎1,664.02亿至1,678.22亿元人民币，较2018年同期1,604.42亿人民币，按年增加3.7%至4.6%，中位数1,672亿元人民币，按年增加4.2%。
券商│今年上半年纯利预测(元人民币)│按年变幅
瑞银│1,678.22亿元│+4.6%
花旗│1,673.41亿元│+4.3%
建银国际│1,673亿元│+4.3%
招银国际│1,672亿元│+4.2%
美银美林│1,669.49亿元│+4.1%
野村│1,668.6亿元│+4%
摩根大通│1,664.02亿元│+3.7%
按工行2018年上半年度纯利1,604.42亿元人民币计算。
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综合4间券商预测，工行今年上半年净利息收入料介乎2,972亿至3,001.03亿元人民币，较2018年同期2,776.16亿元人民币，按年增加7.1%至8.1%。中位数2,984.67亿元人民币，按年增加7.5%。
券商│今年上半年净利息收入预测(元人民币)│按年变幅
瑞银│3,001.03亿元│+8.1%
美银美林│2,992.87亿元│+7.8%
摩根大通│2,976.46亿元│+7.2%
建银国际│2,972亿元│+7.1%
按工行2018年上半年净利息收入2,776.16亿元人民币计算。
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