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中銀香港(02388.HK)2020年淨利264.87億港元 按年減少17.7%
格隆匯 03-30 16:40

格隆匯3月30日丨中銀香港(02388.HK)公吿,集團2020年年度溢利為港幣284.68億元,按年減少港幣56.06億元或16.5%。股東應占溢利為港幣264.87億元,按年減少港幣56.97億元或17.7%。每股基本盈利2.5052港元;董事會建議派發2020年末期股息每股港幣0.795元,連同中期股息,全年每股股息達到港幣1.242元,派息比率為49.6%。

年內,宏觀經濟前景轉差,導致減值準備淨撥備按年增加。投資物業公平值調整錄得淨虧損,去年為淨收益。提取減值準備前淨經營收入為港幣544.74億元,按年減少港幣39.70億元或6.8%,主要由於市場利率下降,淨利息收入按年下降。

受新冠肺炎疫情及經濟下行影響,淨服務費及佣金收入輕微下降。本集團把握市場機遇,出售若干債務證券投資錄得較高淨收益,抵銷部分以上收入降幅。本集團持續為長遠發展投入,在確保戰略重點項目資源投入的同時,嚴格管控成本,經營支出按年下跌1.9%。

淨息差為1.27%。計入外匯掉期合約的資金收入或成本後的淨息差為1.33%,按年下降36個基點,主要由於市場利率下降,存、貸款市場競爭激烈,令貸存利差收窄;此外,債券投資及其他債務工具的平均收益率下降,以及淨無息資金貢獻下降,亦影響淨息差表現。

面對市場環境的挑戰,集團積極主動管理資產及負債,發揮客户及區域化發展優勢,客户貸款穩健增長,客户存款結構優化,支儲存佔比提升,抵銷部分負面影響。

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