《業績預測》券商料建行(00939.HK)中期按年多賺逾7% 關注淨息差及信貸質素
建設銀行(00939.HK)將於下周五(27日)公布今年中期業績,受惠於信貸成本下降、收入增長改善下,本網綜合5間券商預期,料建行2021年上半年錄得純利介乎1,456億至1,525.55億人民幣,較2020年同期1,376.26億人民幣,按年上升5.8%至10.8%;中位數1,477.13億人民幣按年升7.3%。
綜合4間券商預期,料建行2021年上半年營業收入介乎3775.5億至3,806.2億人民幣,較2020年同期3,599億人民幣,按年上升4.9%至5.8%;中位數3,792.1億人民幣,按年升5.4%。摩根大通指在內地按揭貸款收緊、五年期貸款市場報價利率(LPR)下調,投資者將關注建行淨息差收窄的情況,並留意其資產質素趨勢,包括不良貸款率表現等。
【信貸成本降 關注淨息差】
摩根大通本月中發表報告,料建行今年上半年純利為1,477.13億人民幣按年升7.3%、估計中期營業收入3,794.2億人民幣按年增長5.4%;該行料建行今年第二季純利654.98億人民幣按年升14%(按季跌22%)、料營業收入1,840.7億人民幣按年升6%,料貸款按年升10%,料第二季淨息差2.06%按年收窄3個基點,料成本收入比率23.7%按年升10個基點,股本回報率10.6%,不良貸款比率1.54%。
瑞銀料建行今年中期純利按年升10.5%,料收入按年升5.1%、估計淨息息收入按年升5.3%及非利息收入升4.2%,料其第二季純利按年升21.4%、估計淨利息收入升6.3%,料第二季淨息差2.11%,按年收窄11個基點。
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本網綜合5間券商預期,料建行2021年上半年錄得純利介乎1,456億至1,525.55億人民幣,較2020年同期1,376.26億人民幣,按年上升5.8%至10.8%;中位數1,477.13億人民幣按年升7.3%。
券商│2021年純利預測(人民幣)│按年變動
美銀證券│1,525.55億元│+10.8%
瑞銀│1,521億元│+10.5%
摩根大通│1,477.13億元│+7.3%
里昂│1,473億元│+7%
中金公司│1,456億元│+5.8%
按建行2020年上半年純利1,376.26億人民幣計
綜合4間券商預期,料建行2021年上半年營業收入介乎3775.5億至3,806.2億人民幣,較2020年同期3,599億人民幣,按年上升4.9%至5.8%;中位數3,792.1億人民幣,按年升5.4%。
券商│2021年營業收入預測(人民幣)│按年變動
美銀證券│3,806.2億元│+5.8%
摩根大通│3,794.2億元│+5.4%
瑞銀│3,790億元│+5.3%
中金公司│3,775.5億元│+4.9%
按建行2020年上半年營業收入3,599.24億人民幣計
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