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劉智健先生 (CK Lau)
助理經理

股票研究投資經驗豐富。利用市場數據、技術走勢及投資氣氛用來分析市況,配合合適的投資工具,為客戶評估風險提供買賣策略。喜歡研究資源類及內需類股票 。
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大新金融集團(00440.HK)2025年上半年的業績摘要

Tuesday, September 9, 2025 Views143

大新金融集團(00440.HK)2025年上半年的業績摘要

2025年上半年業績概覽:

大新金融集團於2025年8月19日公佈了其2025年上半年業績。集團股東應占溢利同比增長26.4%至14.06億港元。淨利息收入為28.15億港元,同比增長8.5%。每股基本盈利為4.41港元,並派發中期股息每股1.16港元,高於去年同期的0.92港元。其主要子公司大新銀行集團(02356.HK)在2025年上半年的股東應占溢利同比增長13.1%至15.79億港元,淨利息收入為27.76億港元,同比增長9.4%。

業績預測

  1. 收入增長:
    • 隨著經濟復蘇,預計大新金融的收入將持續增長,尤其是在銀行和保險業務方面。
    • 數位化轉型和新產品推出將有助於吸引新客戶並提高市場份額。
  2. 盈利能力:
    • 預計淨利潤將保持穩定增長,反映其有效的成本控制和運營效率。
    • 股息政策可能繼續吸引投資者,提供穩定的回報。
  3. 資產品質:
    • 關注不良貸款率,如果經濟環境改善,預計不良貸款率會有所下降。
    • 資本充足率可能繼續維持在健康水準,以支持業務擴展。

前景展望

  1. 市場環境:
    • 全球經濟復蘇將對信貸需求產生積極影響,特別是在中小企業融資方面。
    • 利率上升可能有助於提高淨利息收入,但也需關注潛在的借款成本上升。
  2. 技術創新:
    • 加強數位化及金融科技的投資,以提高客戶體驗和運營效率。
    • 可能推出新型金融產品,以應對市場變化和客戶需求。
  3. 風險因素:
    • 需關注全球經濟波動及中美貿易關係對香港市場的影響。
    • 競爭壓力加劇,特別是在數位金融服務領域,可能影響市場份額。

總體而言,大新金融集團在2025年上半年取得了顯著的盈利增長,但其前景仍受宏觀經濟環境,特別是香港和中國內地的經濟狀況以及中美貿易關係的影響。投資者在做出決策前應綜合考慮這些因素。

(注:以上分析基於公開資料,不構成投資建議。)

*資料來源: 集團公告

如有查詢 請聯繫Mr CK LAU

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電郵: chikinlau@phillip.com.hk

9 September, 2025

註:本人劉智健為證監會持牌人士。截至本評論文章發表日止,本人及/或其有聯繫者並無持有全部提及之証券的所有相關財務權益。

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