東亞銀行(00023.HK)中期純利升74.3%至26.71億港元 中期息35港仙
格隆匯8月19日丨東亞銀行(00023.HK)公佈2021年度中期業績，於2021年首6個月錄得可歸屬於集團股東溢利達港幣26.71億元，同比增加74.3%。應占溢利增加，主要是內地及香港的減值損失大幅減少所致。信貸成本有所改善是由於貸款降級減少，以及該行更新了預期信貸損失模型中的經濟變量所產生的正面影響；每股基本盈利由2020年上半年的港幣0.39元增加至2021年同期的港幣0.78元，宣派中期股息每股港幣0.35元。
集團的淨利息收入減少港幣5.91億元，或9.7%，至港幣55.23億元。在長期低利率環境下，淨息差由1.59%收窄至1.38%；服務費及佣金收入淨額增加港幣1.05億元，或7.3%，至港幣15.40億元。來自投資產品銷售、保單銷售、證券經紀的佣金收入淨額均錄得增長。而信用卡和貿易融資佣金收入淨額則下跌，抵銷了部分升幅；保險業務淨溢利增加港幣1.03億元，或38.8%。增長主要是由於保險承保和金融工具按市價計量變化帶來的業績改善；交易及對沖淨額，以及其他金融工具的淨表現增加港幣3.86億元，或91.6%，至港幣8.06億元。整體而言，非利息收入增加22.5%，至港幣28.92億元，而經營收入總額微跌0.7%，至港幣84.15億元。
金融工具的減值損失由2020年的港幣26.75億元大幅下降至2021年的港幣5.81億元。集團的減值貸款比率由2020年12月底的1.26%，下降至2021年6月底的1.21%。香港業務的減值貸款比率由0.75%上升至0.79%，而內地業務的減值貸款比率則由3.10%下降至2.63%。
於2021年6月底，集團綜合資產總額達港幣9005.09億元，較2020年底的港幣8844.20億元增加1.8%。客户存款總額增加1.6%，至港幣5985.88億元。其中，活期存款和往來存款賬户結餘增長港幣29.45億元，或4.2%；儲蓄存款增加港幣35.49億元，或1.9%；而定期存款亦增加港幣28.92億元，或0.9%。包括客户存款及所有已發行存款證的存款總額上升1.8%至港幣6616.56億元。
於2021年6月30日，總資本比率、一級資本比率及普通股權一級資本比率分別為22.4%、19.8%及16.9%。截至2021年6月30日止季度的平均流動性覆蓋比率為177.3%，遠高於100%的法定下限。
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