Market Brief

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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。
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中國農業銀行股份有限公司 - H股 (1288)

Tuesday, October 15, 2024 Views641

業績:

2024年上半年度,集團之股東應佔溢利上升0﹒6%至1292﹒53億元(人民幣;下同)。各業務狀 況如下:
(一)利息收入上升7﹒1%,利息支出則上升13﹒7%,淨利息收入上升0﹒1%至2908﹒48億元 。淨利差由去年同期1﹒49%收窄至1﹒3%,淨利息收益率由去年同期1﹒66%收窄至 1﹒45%;
(二)非利息收入上升1﹒2%至762﹒92億元,非利息收入佔總經營收入20﹒8%,去年同期佔 20﹒6%;
(三)經營支出上升0﹒9%至1086﹒79億元,成本對收入比率由去年同期29﹒4%擴大至 29﹒6%;
(四)貸款減值準備上升1﹒9%至986﹒32億元,不良貸款比率由去年底1﹒33%收窄至1﹒32% ;
(五)客戶存款及客戶貸款分別較去年底上升1﹒9%及7﹒9%,至294﹐592億元及 234﹐387億元。貸存比率為79﹒6%,去年底佔75﹒2%。 (六)集團期內錄得金融投資信用減值損失達144﹒7億元。

農業銀行 自1951年成立,按2012年一級資本計,集團位列《銀行家》雜誌「世界銀行1000強」第10 位。截至2019年12月底,集團境內分支機構共計23﹐149個,包括集團的總行營業部、3個總行專營機 構、4個培訓學院、37個一級分行、390個二級分行、3445個一級支行和19﹐216個基層營業機 構及52個其他機構,總行乃設於北京。集團在長江三角洲地區、珠江三角洲地區、環渤海地區、中部地區、 東北地區、西部地區分別擁有3024個、2500個、3317個、5203個、2259個和6837個 分支機構。此外,集團擁有在線運行現金類自助設備8﹒38萬台及自助服務終端3﹒55萬台。  農業銀行是內地六家大型國有商業銀行之一,政策長期有利內銀股,而且派息穩定,走勢良好,可長線關注。


買入價 3.6元
目標價 4.15元
止蝕價 3.25元

資料來源: ETNET

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