Market Brief

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Author

何國穎先生 (Paul Ho)
助理經理

現任職輝立助理經理,除了鑽研圖表和數據分析外,也著重股票基本分析面。本人樂意為客戶提供投資分析及買賣策略。歡迎各位來電交流心得。
Phone:
22776655

中國銀行 (03988)

Tuesday, August 26, 2025 Views461

業績:

2024年度,集團之股東應佔溢利升2﹒3%至2215﹒41億元(人民幣;下同)。各業務狀況如下:
(一)利息收入上升2﹒2%,利息支出則增加6﹒9%,淨利息收入減少3﹒8%至4489﹒34億元。淨息差為1﹒4%,去年底為1﹒59%;
(二)非利息收入上升16﹒7%至1838﹒37億元,佔總經營收入29﹒1%,去年底佔25﹒2%;
(三)經營支出增加5﹒8%至2357﹒7億元,成本對收入比率由去年35﹒7%上升至37﹒3%;
(四)貸款減值準備增13﹒9%至1208﹒61億元,減值貸款率為1﹒25%,去年底為1﹒27%;
(五)客戶存款及客戶貸款(已扣除減值)分別較去年增加5﹒7%及8﹒1%,至238﹐780億元及210﹐553億元。貸存比率由去年之86﹒2%上升至88﹒2%;
(六)資金充足比率及一級資本充足比率分別為18﹒76%及14﹒38%,去年底分別為17﹒74%及13﹒83%。

中國銀行 自1994年,集團由國家外滙外貿專業銀行轉為國有商業銀行。集團為中國四大商業銀行之一(以總資產計算),總部設於北京。中銀香港(02388)、澳門分行擔任當地的發鈔行。集團在全球提供公司金融、個人金融和金融市場等商業銀行業務,業務包括投資銀行、直接投資、證券、保險、基金、飛機租賃、資產管理、金融科技等。 中國銀行是內地大型國有銀行,派息穩定,走勢良好,可長線關注。

買入價 4.3元
目標價 4.9元
止蝕價 3.9元

資料來源: ETNET

「註:本人何國穎為證監會持牌人士。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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