大新銀行集團(02356.HK)上半年純利增長13.1%至15.79億港元 非利息收入強勁增長36%
格隆匯8月20日丨大新銀行集團(02356.HK)公佈中期業績,2025年上半年,公司股東應占溢利為15.79億港元,同比增長13.1%,基本每股盈利為1.12港元,擬派發2025年中期股息每股0.31港元。
2025年中期業績表現穩健。截至6月30日止六個月的淨利息收入按年增加9%,主要由於自本年5月起在香港銀行同業拆息面臨下行壓力下,資金成本下降速度快於資產收益率。此增長受惠於淨息差較去年同期擴闊23個基點至2.32%,反映我們謹慎的資金成本管理。貸款對存款比率由2024年底的67.2%微升至67.8%,與集團温和的貸款增長及嚴謹的存款成本管理相符。非利息收入強勁增長36%,其中包括淨服務費及佣金收入增加20%,及淨交易收入及其他營運收入合共增加102%。
集團憑藉較高淨息差、強勁的服務費及交易收入,整體表現穩健,惟部分增幅因營運支出及信貸減值虧損增加而被抵銷。集團股東應占溢利增加13%至約16億港元,其中443億港元來自重慶銀行的正面溢利貢獻。
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