中银香港2026年上半年营收399.03亿元,经调整净利润237.39亿元

公告速递
Aug 28

本季度信息

2026年上半年,中银香港提取减值准备前的净经营收入399.03亿元,同比下降0.6%。经调整净利润237.39亿元,同比增长7.1%。净息差为1.48%,上年同期为1.34%。成本对收入比率从20.97%升至22.50%。经营活动现金流1,168.14亿元,较上年同期由负转正。期间运营支出总额达到89.80亿元,同比增长6.7%。

业务分项

个人银行方面,截至2026年上半年除税前利润为88.84亿元,同比增长5.3%。个别板块如信用卡业务、基金分销及“一站式金融服务”发挥了助力,信贷与存款规模稳步增长,带动整体经营表现。

企业银行除税前利润为72.62亿元,同比增长8.4%。得益于跨境金融服务需求提升,以及银企联动及资金管理、中小企业融资等业务的稳健发展,该板块利润率进一步改善。

财资业务除税前利润达到89.26亿元,同比下降11.1%,主要由于外汇相关产品的市场行情较去年同期基数高所致,但本阶段加强资产配置及风控管理,对冲了部分市场波动影响。

保险业务方面,除税前利润12.83亿元,同比增长16.8%。期内主要受新造保险业务规模扩大和投资收益提升所带动,业务量稳步增长,综合收益持续改善。

以上成果显示中银香港在上半年逆势保持稳定增长,信用质量及经营效率依然处于行业优质水平。

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