中银香港(02388)首9个月提取减值准备前的净经营收入按年上升6.3%至571.79亿港元

智通财经

Oct 28

智通财经APP讯，中银香港(02388)发布公告，2025年首9个月，本集团提取减值准备前的净经营收入按年上升6.3%至571.79亿港元。计入外汇掉期合约的资金收入或成本后的净利息收入按年下降 0.7%至433.00亿港元，净息差按年收窄8个基点至1.54%，主要由于市场利率低于去年同期，令资产收益率下降。本集团加强存款定价和期档管理，积极优化存款结构，推动支储存款增长，部分纾缓市场利率下降的影响。净服务费及佣金收入按年上升22.1%至90.51亿港元，主要由于投资市场气氛回暖，本集团把握客户财富管理需求殷切的机遇，强化理财产品和综合服务能力，证券经纪、保险、基金分销及管理佣金收入上升，信用卡业务、信托及托管和缴款服务的佣金收入亦有所增加。净交易性收入按年上升，主要由于全球市场交易业务收入上升。

经营支出按年上升1.9%，其中人事费用、资讯科技投入及广告费等业务支出上升。成本对收入比率为22.05%，维持本地银行业较佳水平。

减值准备净拨备为51.23亿港元，按年上升18.00亿港元，主要由于若干客户内部评级下调及个别存量不良户情况转差而增提拨备。客户贷款及其他账项的年度化信贷成本为0.40%，较去年同期上升0.14个百分点。

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