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2024年第三季度財務及業務回顧

Financial and Business Review for the Third Quarter of 2024

HKEX ·  Oct 30 16:31

Summary by Moomoo AI

中銀香港（BOC Hong Kong）於2024年第三季度財務及業務回顧中公布，受惠於全球貨幣政策寬鬆及中國內地經濟回升，公司經營表現顯著改善。2024年首九個月，集團提取減值準備前的淨經營收入年增10.7%，第三季度季增5.3%。淨利息收入年增10.4%，得益於平均生息資產的增長及淨息差維持在1.62%。淨服務費及佣金收入亦見增長，年增2.7%，反映商業活動恢復及旅遊回暖。客戶存款增長8.6%，但客戶貸款下降1.9%。經營支出輕微上升，減值準備淨撥備增加，主要受宏觀經濟前景轉弱影響。集團資產總額增至港幣41,599.49億元，流動性及資本比率保持穩健。中銀香港積極推動數字化轉型，提升客戶服務體驗，並參與香港金融管理局Ensemble架構工作，提升跨行轉賬效率。此外，集團在個人銀行業務方面持續創新，推出新產品及服務，並加強跨境業務發展，特別是人民幣業務。本公告所載資料未經審計，股東及潛在投資者應審慎行事。
中銀香港（BOC Hong Kong）於2024年第三季度財務及業務回顧中公布，受惠於全球貨幣政策寬鬆及中國內地經濟回升，公司經營表現顯著改善。2024年首九個月，集團提取減值準備前的淨經營收入年增10.7%，第三季度季增5.3%。淨利息收入年增10.4%，得益於平均生息資產的增長及淨息差維持在1.62%。淨服務費及佣金收入亦見增長，年增2.7%，反映商業活動恢復及旅遊回暖。客戶存款增長8.6%，但客戶貸款下降1.9%。經營支出輕微上升，減值準備淨撥備增加，主要受宏觀經濟前景轉弱影響。集團資產總額增至港幣41,599.49億元，流動性及資本比率保持穩健。中銀香港積極推動數字化轉型，提升客戶服務體驗，並參與香港金融管理局Ensemble架構工作，提升跨行轉賬效率。此外，集團在個人銀行業務方面持續創新，推出新產品及服務，並加強跨境業務發展，特別是人民幣業務。本公告所載資料未經審計，股東及潛在投資者應審慎行事。
BOC Hong Kong announced in the third quarter financial and business review for 2024, benefiting from loose global monetary policies and the recovery of the mainland China economy, the company's operational performance has significantly improved. In the first nine months of 2024, the group's net operating income before impairment allowances increased by 10.7% year-on-year, with a quarterly increase of 5.3% in the third quarter. Net interest income increased by 10.4% year-on-year, benefiting from the growth of average interest-earning assets and the net interest margin maintained at 1.62%. Net fee and commission income also increased by 2.7% year-on-year, reflecting the recovery of commercial activities and a resurgence in tourism. Customer deposits increased by 8.6%, but customer loans decreased by 1.9%. Operating...Show More
BOC Hong Kong announced in the third quarter financial and business review for 2024, benefiting from loose global monetary policies and the recovery of the mainland China economy, the company's operational performance has significantly improved. In the first nine months of 2024, the group's net operating income before impairment allowances increased by 10.7% year-on-year, with a quarterly increase of 5.3% in the third quarter. Net interest income increased by 10.4% year-on-year, benefiting from the growth of average interest-earning assets and the net interest margin maintained at 1.62%. Net fee and commission income also increased by 2.7% year-on-year, reflecting the recovery of commercial activities and a resurgence in tourism. Customer deposits increased by 8.6%, but customer loans decreased by 1.9%. Operating expenses slightly increased, with net specific provision for impairment increasing, mainly affected by the weakened macroeconomic outlook. The group's total assets increased to HK$4,159.949 billion, with stable liquidity and capital ratios. BOC Hong Kong is actively promoting digital transformation to enhance customer service experience and participating in the Hong Kong Monetary Authority Ensemble framework to improve interbank transfer efficiency. In addition, the group continues to innovate in personal banking business, launching new products and services, and strengthening cross-border business development, especially in RMB business. The information contained in this announcement has not been audited, shareholders and potential investors should proceed with caution.

This announcement is a separate document:

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Disclaimer: This content is for informational and educational purposes only and does not constitute a recommendation or endorsement of any specific investment or investment strategy. Read more
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