UOB's Net Profit Climbs to $3.42b YTD Amidst Fee Income Growth
UOB's Net Profit Climbs to $3.42b YTD Amidst Fee Income Growth
Net fee income rose 7% YoY to $478.8m (S$630m), driven primarily by growth in wealth management fees. Net interest income increased by 1% to $1.9b (S$2.5b), with loan growth at 5%.The quarter's earnings surged 16.5% YoY.
本季度收入同比增長16.5%。
UOB Group (UOB)'s third quarter (Q3 2024) net profit increased by 16.5% year-on-year (YoY) to $1.22b (S$1.6b), whilst year-to-date (YTD) earnings also climbed 5% YoY to $3.42b (S$4.5b).
大華銀行集團（UOB）2024年第三季度（Q3）淨利潤同比增長16.5%，達到12.2億美元（新幣16億），截至目前爲止（YTD）收入同比增長5%，達到34.2億美元（新幣45億）。
YTD earnings per share increased by 5.7% YoY to $2.70 (S$3.55), whilst the quarter's EPS jumped 13.1% YoY to $2.87 (S$3.78).
截至目前爲止每股收益同比增長5.7%，達到2.70美元（新幣3.55），而本季度的每股收益同比增長13.1%，達到2.87美元（新幣3.78）。
Net fee income rose 7% YoY to $478.8m (S$630m), driven primarily by growth in wealth management fees. Net interest income increased by 1% to $1.9b (S$2.5b), with loan growth at 5%.
淨手續費收入同比增長7%，達到47880萬美元（新幣6.3億），主要受到财富管理費增長的推動。淨利息收益率增長1%，達到19億美元（新幣25億），貸款增長率爲5%。
Other non-interest income surged 70% YoY to $565.44m (S$744m), benefiting from record trading and investment income as customer-related treasury income grew strongly. Credit costs for the quarter rose to 34 basis points due to the Thailand retail portfolio, following the integration of Citi's assets.
其他非利息收入同比激增70%，達到56544萬美元（新幣7.44億），受益於創紀錄的交易和投資收入，客戶相關的資金業務收入大幅增長。由於泰國零售業務組合的整合，本季度信貸成本上升至34個點子。
However, full-year credit costs are expected to stay within the 25 to 30 basis points guidance.
然而，全年信貸成本預計將保持在25至30個點子的指引範圍內。
UOB's asset quality remained stable, with the non-performing loan ratio steady at 1.5%, whilst its balance sheet maintained ample liquidity and a strengthened Common Equity Tier 1 ratio of 15.5%.
大華銀行的資產質量保持穩定，不良貸款比率穩定在1.5%，其資產負債表保持充裕的流動性和15.5%的普通股一級資本比率。
For the first nine months of 2024, core net profit rose 3% to $3.57b (S$4.7b), driven by strong fee, trading, and investment income, along with reduced credit allowances. Net profit increased by 5% to $3.42b (S$4.5b) after adjusting for one-off Citi integration expenses.
2024年前九個月，核心淨利潤增長3%，達到35.7億美元（新幣47億），受益於強勁的手續費收入、交易和投資收入以及減少的信貸準備金。剔除一次性花旗銀行整合費用後，淨利潤同比增長5%，達到34.2億美元（新幣45億）。
Net interest income for the period dipped 1% YoY to $5.47b (S$7.2b) due to a lower net interest margin, offset by 5% loan growth.
本期淨利息收入同比減少1%至54.7億美元（新加坡7.2億美元），主要由於較低的淨利息收益率，部分抵消了5%的貸款增長。
Net fee income rose 10% to $1.37b (S$1.8b), attributed to wealth, loan-related, and credit card fees.
淨手續費收入上升10%至13.7億美元（新加坡1.8億美元），歸因於財富、貸款相關和信用卡費用。
($1.00 = S$1.32)
（1.00美元=1.32新加坡元）
譯文內容由第三人軟體翻譯。
