格隆汇8月29日丨中银香港(02388.HK)公布中期业绩，2025年上半年，期内溢利为227.96亿港元，同比 增长11.4%；公司股东应占溢利为221.52亿港元，同比增长10.54%；每股基本盈利为2.0952港元。第一 次及第二次中期股息均为每股0.29港元，合计为每股0.58港元。 2025年上半年，集团期内提取减值准备前之净经营收入为400.22亿港元，按年上升13.3%。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上升，由平均生息资产增长带动。净服务费及佣金收入按 年上升，主要是把握了投资市场气氛回暖的机遇，保险、证券经纪和基金业务佣金收入按年增长。净交 易性收益亦按年上升，抵销了经营支出、减值准备净拨备及投资物业公平值调整之净亏损增加的影响。 与2024年下半年相比，集团提取减值准备前之净经营收入上升港币41.05亿元或11.4%，主要由于净服务 费及佣金收入和净交易性收益上升，抵销了净利息收入下降的影响。经营支出及投资物业公平值调整之 净亏损回落，减值准备净拨备则增加，期内溢利较去年下半年上升港币41.41亿元或22.2%。 相关事件 中银香港(02388.HK)上半年纯利增长10. ...

Financial Performance - Profit attributable to equity holders increased by 10.5% year-over-year to HK$22,152 million[9] - Basic earnings per share increased by 10.5% to HK$2.0952[63] - Customer deposits increased by 5.6% to HK$2,875,521 million[39] - Customer loans increased by 2.0% to HK$1,710,380 million[41] - Net fee and commission income increased significantly by 25.8% to HK$6,292 million[38, 63] Business Highlights - The company remained 1 in cumulative number of new residential mortgage loans for 6 consecutive years[11] - Cross-border high-end customer increased 44% year-over-year[11] - Value of bonds underwritten increased significantly by 105%[11] - Assets under custody increased by 19%[11] - BoC Pay+ transaction volumes in the Mainland surged by 38.8%[14] SEA Business - Customer deposits in SEA increased by 10.5% year-to-date[17] - Customer loans in SEA increased by 8.4% year-to-date[17] - Operating income in SEA increased by 9.3% year-over-year[17] BOC Life Business Development - Standard new premiums increased by 33.6% to HK$14,831 million[84] - Value of new business (VNB) increased by 36.1% to HK$2,178 million[84]

Core Insights - Bank of China Hong Kong (02388) reported a net operating income of HKD 40.022 billion for the first half of 2025, an increase of 13.26% year-on-year [1] - The profit attributable to shareholders was HKD 22.12 billion, up 10.54% year-on-year, with basic earnings per share at HKD 2.0952 and an interim dividend of HKD 0.58 per share proposed [1] - The net interest income, after accounting for foreign exchange swap contracts, rose to HKD 28.929 billion, a 0.4% increase year-on-year, driven by the growth in average interest-earning assets [2] Financial Performance - The net interest income before impairment provisions was HKD 25.063 billion for the first half of 2025, supported by a 5.7% year-on-year increase in average interest-earning assets, amounting to HKD 2,038.71 billion [2] - The net interest margin, after including foreign exchange swap contracts, was 1.54%, a decrease of 7 basis points year-on-year due to lower market interest rates compared to the previous year [2] - Total assets reached HKD 439.982 billion as of June 30, 2025, reflecting a growth of HKD 20.5414 billion or 4.9% from the end of the previous year [2] Revenue Sources - Net service fee and commission income increased year-on-year, benefiting from improved market conditions, particularly in insurance, securities brokerage, and fund business commissions [1] - Net trading income also rose year-on-year, offsetting the increase in operating expenses, impairment provisions, and net losses from fair value adjustments of investment properties [1] - Cash and balances with banks and other financial institutions decreased by HKD 12.7679 billion or 20.9%, primarily due to a reduction in deposits with the central bank [2]

Core Insights - Bank of China Hong Kong (02388) reported a net operating income of HKD 40.022 billion for the first half of 2025, an increase of 13.26% year-on-year [1] - The profit attributable to shareholders was HKD 22.12 billion, up 10.54% year-on-year, with basic earnings per share at HKD 2.0952 and an interim dividend of HKD 0.58 per share proposed [1] - The net interest income, after accounting for foreign exchange swap contracts, rose to HKD 28.929 billion, a 0.4% year-on-year increase, driven by growth in average interest-earning assets [2] Financial Performance - The net interest income before impairment provisions was HKD 25.063 billion for the first half of 2025, supported by a 5.7% year-on-year increase in average interest-earning assets, amounting to HKD 2,038.71 billion [2] - The net interest margin, after considering foreign exchange swap contracts, was 1.54%, a decrease of 7 basis points year-on-year due to lower market interest rates compared to the previous year [2] - Total assets reached HKD 439.982 billion as of June 30, 2025, reflecting a growth of HKD 20.5414 billion or 4.9% from the end of the previous year [2] Revenue Sources - Net service fee and commission income increased year-on-year, benefiting from improved market conditions, particularly in insurance, securities brokerage, and fund business commissions [1] - Net trading income also rose year-on-year, offsetting the increase in operating expenses, impairment provisions, and net losses from fair value adjustments of investment properties [1] - Cash and balances with banks and other financial institutions decreased by HKD 12.7679 billion or 20.9%, primarily due to a reduction in balances and time deposits with the central bank [2]

| 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 公告全部或任何部份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。 | | | --- | --- | | 股票發行人現金股息公告 | | | 發行人名稱 | 中銀香港（控股）有限公司 | | 股份代號 | 02388 | | 多櫃檯股份代號及貨幣 | 82388 RMB | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 2025年度第二次中期股息及暫停辦理股份過戶登記手續 | | 公告日期 | 2025年8月29日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 第二季度 | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年6月30日 | | 宣派股息 | 每 股 0.29 HKD | | 股東批准日期 | 不適用 | | 香港過戶登記處相關信息 | | | 派息金額及公司預設派發貨幣 | 每 股 0.29 HKD | | 匯率 | 1 HKD : 1 HKD | ...

2025 股份代號：2388 （港幣櫃台）及82388 （人民幣櫃台） 本公司本份2025年中期業績報告將由2025年9月上旬寄發的印刷版本取代。 目錄 | | 頁數 | | --- | --- | | 財務摘要 | 2 | | 管理層討論及分析 | 3 | | 簡要綜合收益表 | 40 | | 簡要綜合全面收益表 | 41 | | 簡要綜合資產負債表 | 42 | | 簡要綜合權益變動表 | 43 | | 簡要綜合現金流量表 | 45 | | 中期財務資料附註 | 46 | | 公司治理及其他資料 | 115 | | 獨立審閱報告 | 122 | | 附錄－本公司之附屬公司 | 123 | | 釋義 | 126 | 2025年中期業績報告 中銀香港（控股）有限公司 1 財務摘要 | | 2025年6月30日 | 2024年6月30日 | | --- | --- | --- | | 期內 | 港幣百萬元 | 港幣百萬元 | | 提取減值準備前之淨經營收入 | 40,022 | 35,336 | | 經營溢利 | 28,394 | 25,134 | | 除稅前溢利 | 27,275 | 24,716 | | 期 ...

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。 股份代號：2388（港幣櫃台）及82388（人民幣櫃台） 2025年中期業績公告 中銀香港（控股）有限公司（「本公司」）董事會（「董事會」）欣然宣佈本公司及其 附屬公司截至2025年6月30日止六個月期間的未經審核業績。本公告列載本公司 2025年中期業績報告全文，並符合香港聯合交易所有限公司證券上市規則內有關 中期業績初步公告須附載資料的要求。本公司2025年中期業績報告的印刷版本將 於2025年9月中旬寄發予已選擇收取印刷版本的本公司股東，並可於其時在香港交 易及結算所有限公司的網站 www.hkexnews.hk 及本公司的網站 www.bochk.com 閱 覽。 1 財務摘要 | | 2025年6月30日 | 2024年6月30日 | | --- | --- | --- | | 期內 | 港幣百萬元 | 港幣百萬元 | | 提取減值準備前之淨經營收入 | 40,022 | 35,336 | | ...

中银香港(02388)与宏利投资展开区域合作，向中银香港及中国银行(马来西亚)客户提供多元资产收益方 案。此次合作利用双方在亚洲的销售网络和产品优势，旨在为投资者提供多样化的资产配置选择。 中银香港个人金融产品部副总经理梁淑怡表示，今年上半年，该行大部份客户寻求风险相对稳定且能获 得定期收益的投资产品，今年首季，认购环球多元资产基金类别的交易金额按年上升逾一倍，反映客户 对此类投资产品需求殷切。此外，中国银行(马来西亚)中银理财客户数量稳步增长，当地市场对理财服 务的需求持续上升。 ...

中银香港个人金融产品部副总经理梁淑怡表示，今年上半年，该行大部份客户寻求风险相对稳定且能获 得定期收益的投资产品，今年首季，认购环球多元资产基金类别的交易金额按年上升逾一倍，反映客户 对此类投资产品需求殷切。此外，中国银行(马来西亚)中银理财客户数量稳步增长，当地市场对理财服 务的需求持续上升。 智通财经APP获悉，中银香港(02388)与宏利投资展开区域合作，向中银香港及中国银行(马来西亚)客户 提供多元资产收益方案。此次合作利用双方在亚洲的销售网络和产品优势，旨在为投资者提供多样化的 资产配置选择。 ...

Core Viewpoint - UBS expects HIBOR to stabilize between 2% and 2.5% by the end of Q3, indicating a cautious outlook for Hong Kong banks in the short term [1] Group 1: Bank Ratings and Preferences - UBS maintains a "neutral" rating on Bank of China (Hong Kong) and East Asia Bank, while rating Hang Seng Bank as "sell" [1] - Bank of China (Hong Kong) remains the preferred choice among the covered Hong Kong bank stocks, despite a potential short-term price decline [1] Group 2: Interest Income and Market Expectations - The rebound in HIBOR is beneficial for banks' net interest margins and net interest income, but the market has already priced in HIBOR's stability for the remainder of the year [1] - UBS anticipates that the pressure on net interest income in Q3 will be greater than in Q2, as the negative impact in Q2 lasted only about a month [1] Group 3: Loan Growth and Future Projections - After a 2% growth in loan balances during May and June, the sustainability of this growth momentum remains uncertain [1] - For 2025, UBS projects net interest income declines of 7%, 9%, and 11% for Bank of China (Hong Kong), Hang Seng Bank, and East Asia Bank, respectively [1]