恆生銀行(00011.HK)年度純利跌33%至166.87億港元 全年派息5.50港元
格隆匯2月23日丨恆生銀行(00011.HK)公佈2020年業績，扣除預期信貸損失變動及其他信貸減值提撥前的營業收入淨額減少17%，為360.68億港元；營業溢利減少30%，為201.25億港元；除税前溢利減少33%，為194.14億港元；股東應得溢利減少33%，為166.87億港元；每股盈利8.36港元，宣派第四次中期股息每股2.80港元，2020年合共派息5.50港元。
淨利息收入減少17%，為269.06億港元。該行的資產負債表有所增長，而賺取利息的平均資產亦上升6%，但低息環境持續，加上香港銀行同業拆息下降，令存款息差繼續收窄。該行的淨利息收益率按年減少47個基點或21.4%，由2.20%下降至1.73%。
集團維持良好業務動力，並進一步推行可持續增長策略提升盈利能力，總資產較2019年底增加830億港元，即5%，為1.76萬億港元。
信貸風險管理方面，該行繼續維持審慎的策略。與前一年比較，預期信貸損失增加49%，為27.38億港元。惟去年下半年的預期信貸損失提撥較上半年減少44%，反映該行有足夠的信貸損失儲備，以及經濟前景有若干改善跡象。
於2020年12月31日，普通股權一級資本比率為16.8%，一級資本比率為18.5%，總資本比率為20.0%(於2019年12月31日，普通股權一級資本比率為16.9%，一級資本比率為18.7%，總資本比率為20.8%)。
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