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2024年中期業績報告

2024 Interim Report

HKEX ·  Sep 6 19:01

Summary by Futu AI

中銀香港於2024年6月30日公佈上半年業績，實現期內溢利港幣204.63億元，按年上升13.2%。淨息差為1.46%，若計入外匯掉期合約的資金收入或成本，調整後淨息差為1.61%，按年上升5個基點。經營支出按年上升3.4%，提取減值準備前之淨經營收入按年增加14.6%，成本對收入比率按年改善2.48個百分點至22.98%，持續處於本地銀行業較佳水平。減值貸款比率為1.06%，持續優於市場平均水平。總資本比率為22.17%；一級資本比率及普通股權一級資本比率均為20.05%。流動性保持充裕，2024年第一季度及第二季度流動性覆蓋比率的平均值及穩定資金淨額比率的季度終結值均滿足有關監管要求。
中銀香港於2024年6月30日公佈上半年業績，實現期內溢利港幣204.63億元，按年上升13.2%。淨息差為1.46%，若計入外匯掉期合約的資金收入或成本，調整後淨息差為1.61%，按年上升5個基點。經營支出按年上升3.4%，提取減值準備前之淨經營收入按年增加14.6%，成本對收入比率按年改善2.48個百分點至22.98%，持續處於本地銀行業較佳水平。減值貸款比率為1.06%，持續優於市場平均水平。總資本比率為22.17%；一級資本比率及普通股權一級資本比率均為20.05%。流動性保持充裕，2024年第一季度及第二季度流動性覆蓋比率的平均值及穩定資金淨額比率的季度終結值均滿足有關監管要求。
BOC Hong Kong announced its half-year performance on June 30, 2024, achieving a profit of HKD 20.463 billion for the period, a year-on-year increase of 13.2%. The net interest margin is 1.46%, and after adjusting for the income or cost of forex forward contracts, the adjusted net interest margin is 1.61%, a year-on-year increase of 5 basis points. Operating expenses increased by 3.4% year-on-year, and the net operating income before provision for impairment increased by 14.6% year-on-year. The cost-to-income ratio improved by 2.48 percentage points to 22.98%, remaining at a favorable level compared to the local banking industry. The loan impairment ratio is 1.06%, consistently better than the market average. The total capital ratio is 22.17%; the Tier 1 capital ratio and Common Equity Tier 1 capital ratio are both 20.05%. Liquidity remains ample, with the average liquidity coverage ratio for the first and second quarters of 2024 and the quarter-end stable funding net ratio satisfying regulatory requirements.
BOC Hong Kong announced its half-year performance on June 30, 2024, achieving a profit of HKD 20.463 billion for the period, a year-on-year increase of 13.2%. The net interest margin is 1.46%, and after adjusting for the income or cost of forex forward contracts, the adjusted net interest margin is 1.61%, a year-on-year increase of 5 basis points. Operating expenses increased by 3.4% year-on-year, and the net operating income before provision for impairment increased by 14.6% year-on-year. The cost-to-income ratio improved by 2.48 percentage points to 22.98%, remaining at a favorable level compared to the local banking industry. The loan impairment ratio is 1.06%, consistently better than the market average. The total capital ratio is 22.17%; the Tier 1 capital ratio and Common Equity Tier 1 capital ratio are both 20.05%. Liquidity remains ample, with the average liquidity coverage ratio for the first and second quarters of 2024 and the quarter-end stable funding net ratio satisfying regulatory requirements.
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