东亚银行(00023)发布2025年度中期业绩，该集团期内取得利息收入168.97亿港元，同比减少17.09%;净 利息收入73.44亿港元，同比减少10.74%;归属于集团股东期内溢利24.07亿港元，同比增加14.02%;每股 基本盈利0.86港元。 净利息收入减少8.84亿港元，或10.7%，至73.44亿港元。由于利率下跌，净息差按年收窄22个基点，由 2.10%下降至1.88%。 整体而言，经营收入总额减少2.25亿港元，或2.1%，至102.59亿港元。 核心业务继续表现平稳。面对充满挑战的经营环境，拨备前经营溢利轻微下降2.24亿港元，或3.9%，至 54.47亿港元。 非利息收入上升29.2%，至29.15亿港元。服务费及佣金收入净额按年增加2.36亿港元，或16.7%，至 16.54亿港元，主要由于投资活动和第三方保单销售的佣金贡献持续增长。交易、金融工具重估及相关 对冲的净利润亦增加3.41亿港元，或43.8%，主要受惠于客户交投活跃，带动结构性产品和外汇业务的 收入上升。 ...

2025年上半年，金融工具之减值损失减少港币3.42亿元，或11.9%，至港币25.39亿元。内地及香港商业 房地产行业继续是影响资产质素的主因，占贷款损失拨备的70%。集团的减值贷款比率于2025年6月底 为2.63%，较2024年12月底的2.72%有所回落。 格隆汇8月21日丨东亚银行(00023.HK)公布中期业绩，2025年上半年，东亚银行及其附属公司录得可归 属于集团股东溢利港币24.07亿元，较2024年同期录得的港币21.11亿元，增加14.1%。2025年上半年每 股基本盈利按年增长24.6%至港币0.86元。年化平均资产回报率为0.5%，而年化平均股东权益回报率为 4.5%。核心业务继续表现平稳。面对充满挑战的经营环境，拨备前经营溢利轻微下降港币2.24亿元，或 3.9%，至港币54.47亿元。 2025年上半年净利息收入减少港币8.84亿元，或10.7%，至港币73.44亿元。由于利率下跌，净息差按年 收窄22个基点，由2.10%下降至1.88%。非利息收入上升29.2%，至港币29.15亿元。服务费及佣金收入净 额按年增加港币2.36亿元，或16.7%，至港币16.54亿元，主要由于投 ...

EF003 免責聲明 | 本公告全部或任何部分內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 | 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因 | | --- | --- | | | 股票發行人現金股息（可選擇以股份代替）公告 | | 發行人名稱 | 東亞銀行有限公司 | | 股份代號 | 00023 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 40415 東亞銀行有限公司無期限額外一級資本證券D | | | 05184 東亞銀行有限公司有期限次級票據2032年 | | | 05337 東亞銀行有限公司非優先吸收虧損票據2028年 | | | 05759 東亞銀行有限公司非優先虧損吸收票據2027年 | | | 04544 東亞銀行有限公司非優先虧損吸收票據2027年 | | | 05069 東亞銀行有限公司有期限次級票據2034年 | | 公告標題 | 截至2025年6月30日止6個月的中期股息 | | 公告日期 | 2025年8月21日 | | 公告狀態 | 新公告 | | 股息信息 ...

東亞銀行有限公司 （ 1918 年在香港註冊成立之有限公司） （股份代號：23） 2025年度中期業績公告 中期業績 本行董事會欣然宣布本集團截至2025年6月30日止6個月未經審核的業績（附註1(a)）。 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完 整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚賴該等內 容而引致的任何損失承擔任何責任。 The Bank of East Asia, Limited | 綜合收益表 | | 截至30/6/2025 | 截至30/6/2024 | | --- | --- | --- | --- | | | | 止6個月 | 止6個月 | | | 附註 | 港幣百萬元 | 港幣百萬元 | | 利息收入 | 3 | 16,897 | 20,379 | | 按有效利率方法計算的利息收入 | | 16,085 | 18,930 | | 相關利息收入 | | 812 | 1,449 | | 利息支出 | 4 | (9,553) | (12,151) | | 淨利息收入 | | 7,344 | 8,228 | | ...

瑞银指，虽然HIBOR反弹有利于银行的净息差和净利息收入，但认为市场已预期HIBOR在今年余下时 间稳定在2%至2.5%。该行预计第三季净利息收入的压缩压力将高于第二季，因为第二季的负面影响仅 持续约一个月，且随着利率上升，贷款需求可能再次疲软。该行认为在5至6月贷款余额增长2%后，增 长势头能否持续仍需观察。对于2025年的预测，该行预计中银香港、恒生银行和东亚银行的净利息收入 将分别下降7%、9%和11%。 瑞银发表研究报告，预计HIBOR将在第三季底稳定在2%至2.5%。在中短期(3至6个月)内，中银香港仍 是该行所覆盖的香港银行股首选，但预计短期内股价可能有所回落。该行对中银香港和东亚银行持"中 性"评级，对恒生银行评级则为"沽售"。 ...

Group 1 - East Asia Bank announced a system maintenance scheduled for August 23, 2025, from 01:00 to 03:00 Beijing time [1] - During the maintenance period, all debit and credit card transactions, including consumption and cash withdrawal, may be affected [1] - The bank expressed apologies for any inconvenience caused and encouraged customers to make necessary arrangements in advance [1]

Core Viewpoint - Foreign banks in China are rapidly adjusting their retail business strategies, focusing on high-end retail and cross-border wealth management as new growth engines while closing numerous traditional branches [3][4][8]. Group 1: Structural Adjustments - Over 10 foreign banks have closed branches in mainland China since the beginning of 2025, indicating a trend of reducing physical network presence [4][5]. - HSBC and Standard Chartered have opened flagship branches and private wealth management centers in major cities, emphasizing high-net-worth clients and wealth management as primary business directions [5][6]. - The shift from standard branches to flagship outlets highlights a focus on privacy, professionalism, and brand representation, which are crucial for building competitive advantages in the Chinese market [5][6]. Group 2: Market Opportunities - The wealth management market in China is experiencing structural growth, driven by the expansion of the middle-income group and increasing demand for diversified financial services [8][9]. - The total scale of entrusted assets in various financial products reached 154 trillion yuan by 2024, with an annual growth rate of approximately 10.4% [8]. - Foreign banks are capitalizing on the growing demand for comprehensive wealth management services, including family trusts and global asset allocation [8][9]. Group 3: Competitive Landscape - Despite the potential in the wealth management market, foreign banks face significant competition from domestic banks, which have extensive networks and customer bases [11][12]. - As of the end of 2023, there were only 888 operational foreign bank branches in China, limiting their brand recognition and market coverage [11]. - Some foreign banks, like Dah Sing Bank and Citibank, have divested their personal banking operations, focusing instead on corporate and cross-border services [11][12]. Group 4: Future Outlook - The future growth of foreign banks in China’s wealth management sector is expected to be characterized by differentiation and specialization, focusing on high-end and cross-border services [12]. - Digital transformation is a priority, with foreign banks leveraging technology to enhance service efficiency and compensate for the reduction in physical branches [12]. - The ongoing structural changes in the Chinese financial market are prompting foreign banks to adapt by concentrating on their strengths and transitioning from broad coverage to deep specialization [12].

Core Insights - Foreign banks in China are rapidly adjusting their retail business strategies, closing over 10 branches while opening flagship branches and wealth management centers in major cities [1][2][4] - The shift towards high-end retail and cross-border wealth management is seen as a new growth engine for foreign banks amid increasing competition in the local market [1][4] Group 1: Branch Adjustments - More than 10 foreign banks have closed branches in mainland China since the beginning of the year, indicating a trend of continuous network contraction [2] - HSBC China has closed 9 branches this year, with over half located in Guangdong province, while Standard Chartered has also reduced its traditional physical branch scale [2][5] - In contrast, foreign banks are accelerating the establishment of flagship branches and private wealth management centers in core cities, focusing on high-net-worth clients [2][3] Group 2: Wealth Management Focus - Standard Chartered plans to invest $1.5 billion over the next five years to expand its wealth management services, targeting affluent clients' needs for diversified investments and wealth inheritance [3][5] - The wealth management market in China is experiencing structural growth, driven by the expansion of the middle-income group and increasing demand for wealth management services [4][5] - As of mid-2024, foreign banks in China had total assets of 3.87 trillion yuan, with a net profit of 14.9 billion yuan, reflecting a 28.4% year-on-year increase, largely driven by wealth management contributions [5] Group 3: Competitive Landscape - Despite the potential of the wealth management market, foreign banks face significant competition from local banks, which dominate basic services like savings and wealth management due to their extensive networks and customer bases [7] - As of the end of 2023, there were only 888 operating foreign banks in China, leading to limited brand recognition and coverage [7] - Some foreign banks have opted to shrink their personal business layouts, with examples including the transfer of personal business by Dah Sing Bank and Citibank's sale of its personal wealth management business to HSBC [7] Group 4: Future Outlook - The wealth management business of foreign banks in China is expected to continue growing, with a focus on differentiation and specialization [8] - Foreign banks will deepen their high-end and cross-border services, leveraging global networks to meet the complex needs of high-net-worth clients [8] - Digital transformation will be accelerated to enhance service efficiency and compensate for the limitations of physical branch networks [8]

Core Viewpoint - Hong Kong bank stocks have risen in the afternoon trading session, with Standard Chartered, HSBC, and Hang Seng Bank reporting better-than-expected half-year results, driven by strong non-interest income, despite ongoing risks in the banking sector [1] Group 1: Stock Performance - Standard Chartered Group (02888) increased by 4.09%, trading at 147.7 HKD - East Asia Bank (00023) rose by 2.32%, trading at 12.78 HKD - HSBC Holdings (00005) gained 1.96%, trading at 98.9 HKD - Hang Seng Bank (00011) increased by 1.77%, trading at 115.1 HKD [1] Group 2: Financial Performance - HSBC and Standard Chartered reported better-than-expected results after excluding non-recurring items, with strong non-interest income supporting revenue growth [1] - However, the overall risk in the Hong Kong banking sector remains, with low HIBOR leading to a decline in interest margins, negatively impacting net interest income in Q2 [1] Group 3: Credit Demand and Real Estate - Hong Kong's credit demand remains weak, with both Standard Chartered and HSBC experiencing a quarter-on-quarter contraction in local loans for Q2 [1] - The non-performing loan ratio in Hong Kong's commercial real estate sector has increased quarter-on-quarter, indicating ongoing pressure in the real estate industry [1] Group 4: Currency Intervention - On August 6, the Hong Kong Monetary Authority (HKMA) intervened by buying 8.439 billion HKD due to the Hong Kong dollar reaching the weak end of its peg against the US dollar [1] - The bank's total reserves are expected to decrease to 64.062 billion HKD on August 8, marking the fourth intervention by the HKMA in seven days [1] - The HKMA indicated that further interventions will occur if the weak end of the peg is triggered again, which may gradually increase interbank rates as total reserves decline [1]

Group 1 - Hong Kong bank stocks rose in the afternoon, with Standard Chartered Group up 4.09% to HKD 147.7, East Asia Bank up 2.32% to HKD 12.78, HSBC Holdings up 1.96% to HKD 98.9, and Hang Seng Bank up 1.77% to HKD 115.1 [1] - HSBC and Hang Seng reported better-than-expected first-half results, with Standard Chartered and HSBC's non-interest income showing strong performance, supporting revenue growth [1] - However, overall risks in the Hong Kong banking sector remain, with low HIBOR leading to a decline in interest margins, negatively impacting net interest income in Q2 [1] Group 2 - Local loan demand in Hong Kong remains weak, with both Standard Chartered and HSBC experiencing a quarter-on-quarter contraction in local loans in Q2 [1] - The non-performing loan ratio in Hong Kong's commercial real estate sector has increased quarter-on-quarter, indicating ongoing pressure in the real estate industry [1] - On August 6, the Hong Kong Monetary Authority intervened by buying HKD 8.439 billion due to the HKD/USD exchange rate touching the weak end of the peg, marking the fourth intervention in seven days [1]