{"id":39057,"date":"2025-04-28T21:10:00","date_gmt":"2025-04-29T01:10:00","guid":{"rendered":"https:\/\/www.chinesepress.com\/?p=39057"},"modified":"2025-04-28T14:25:31","modified_gmt":"2025-04-28T18:25:31","slug":"%e6%bb%99%e6%8e%a7%e6%98%8e%e6%b4%be%e7%b8%be-%e5%88%b8%e5%95%86%e6%96%99%e9%a6%96%e5%ad%a3%e5%b0%91%e8%b3%ba38","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/39057","title":{"rendered":"\u6ed9\u63a7\u660e\u6d3e\u7e3e \u5238\u5546\u6599\u9996\u5b63\u5c11\u8cfa38%"},"content":{"rendered":"\n<p><img decoding=\"async\" src=\"https:\/\/img.takungpao.com\/2025\/0428\/2025042805013970790.jpg\"><\/p>\n\n\n\n<p>\u3000\u3000\u5716\uff1a\u5728\u53bb\u5e74\u7684\u9ad8\u57fa\u6578\u4e0b\uff0c\u6ed9\u63a7\u4eca\u5e74\u7b2c\u4e00\u5b63\u7a05\u524d\u76c8\u5229\u6216\u6e1b\u5c1138%\u3002<\/p>\n\n\n\n<p>\u3000\u3000\u74b0\u7403\u91d1\u878d\u96c6\u5718\u6ed9\u8c50\u63a7\u80a1\uff0800005\uff09\u5c07\u65bc\u660e\u65e5\uff0829\u65e5\uff09\u516c\u5e032025\u5e74\u7b2c\u4e00\u5b63\u696d\u7e3e\uff0c\u96d6\u7136\u7f8e\u570b\u5fb5\u6536\u300c\u5c0d\u7b49\u95dc\u7a05\u300d\u63aa\u65bd\u5c0d\u9280\u884c\u5b63\u7e3e\u7684\u5f71\u97ff\u4ecd\u672a\u6d6e\u73fe\uff0c\u4f46\u76f8\u4fe1\u5c07\u6210\u70ba\u6295\u8cc7\u8005\u95dc\u6ce8\u7126\u9ede\u3002\u5b63\u7e3e\u65b9\u9762\uff0c\u5238\u5546\u6599\u6ed9\u63a7\u5728\u7b2c\u4e00\u5b63\u7684\u7a05\u524d\u76c8\u5229\u7d0478.33\u5104\uff08\u7f8e\u5143\uff0c\u4e0b\u540c\uff09\uff0c\u6309\u5e74\u8dcc38%\uff0c\u90e8\u5206\u539f\u56e0\u662f\u53bb\u5e74\u540c\u671f\u7684\u696d\u7e3e\u5f37\u52c1\u6240\u81f4\u3002<\/p>\n\n\n\n<p>\u3000\u3000\u7f8e\u570b\u7e3d\u7d71\u7279\u6717\u666e\u65bc4\u67082\u65e5\u516c\u5e03\u300c\u5c0d\u7b49\u95dc\u7a05\u300d\uff0c\u5f15\u767c\u5168\u7403\u91d1\u878d\u5e02\u5834\u52d5\u76ea\uff0c\u4e5f\u5c0d\u5168\u7403\u8cbf\u6613\u6d3b\u52d5\u69cb\u6210\u56b4\u91cd\u5f71\u97ff\u3002\u64da\u5df4\u514b\u840a\u4f30\u8a08\uff0c\u95dc\u7a05\u6230\u5c0d\u9280\u884c\u7684\u5f71\u97ff\uff0c\u4e3b\u8981\u96c6\u4e2d\u5728\u8cbf\u6613\u53ca\u8cbf\u6613\u76f8\u95dc\u7684\u696d\u52d9\uff0c\u5373\u4ea4\u6613\u9280\u884c\u696d\u52d9\uff08Transaction Banking\uff09\uff0c\u7576\u4e2d\u6d89\u53ca\u8cbf\u6613\u878d\u8cc7\u3001\u73fe\u91d1\u7ba1\u7406\u3001\u5916\u532f\u53ca\u5176\u4ed6\u9644\u5c6c\u696d\u52d9\u3002\u4f9d\u64da\u4e0a\u8ff0\u5b9a\u7fa9\uff0c\u5df4\u514b\u840a\u4f30\u8a08\u4ea4\u6613\u9280\u884c\u696d\u52d9\u4f54\u6ed9\u63a7\u96c6\u5718\u6536\u5165\u7684\u6bd4\u4f8b\u7d04\u70ba40%\u3002<\/p>\n\n\n\n<p>\u3000\u3000\u76f4\u63a5\u8cbf\u6613\u76f8\u95dc\u6536\u5165\u4f54\u6bd4\u7d044%<\/p>\n\n\n\n<p>\u3000\u3000\u5f6d\u535a\u884c\u696d\u7814\u7a76\u6307\u51fa\uff0c\u6ed9\u63a7\u8986\u84cb\u5168\u740350\u591a\u500b\u5e02\u5834\uff0c\u57282024\u5e74\u7d93\u624b\u7684\u8cbf\u6613\u984d\u90548500\u5104\u5143\uff0c\u4f54\u5168\u7403\u7e3d\u91cf\u5927\u7d043%\u81f34%\u3002\u96d6\u71362024\u5e74\u8207\u76f4\u63a5\u8cbf\u6613\u76f8\u95dc\u6536\u5165\u50c525\u5104\u5143\uff0c\u4f54\u96c6\u5718\u7e3d\u6536\u5165\u7d044%\uff0c\u4f46\u6574\u500b\u4ea4\u6613\u9280\u884c\u696d\u52d9\u5247\u70ba\u96c6\u5718\u8ca2\u737b\u4e86260\u5104\u5143\u6536\u5165\u3002<\/p>\n\n\n\n<p>\u3000\u3000\u5728\u5047\u8a2d\u60c5\u5883\u4e0b\uff0c\u5df4\u514b\u840a\u76f8\u4fe1\u5373\u4f7f\u6ed9\u63a7\u53d7\u4e09\u91cd\u6253\u64ca\uff0c\u5373\u4f86\u81ea\u8de8\u5883\u8cbf\u6613\u7684\u6536\u5165\u6e1b\u5c11\u6700\u591a20%\u3001\u7f8e\u806f\u5132\u6e1b\u606f\u6700\u591a75\u9ede\u5b50\uff0c\u4ee5\u53ca\u9810\u671f\u4fe1\u8cb8\u640d\u5931\uff08Expected Credit Loss\uff0c\u7c21\u7a31ECL\uff09\u589e\u52a0\u903e\u4e00\u500d\uff0c\u5c0d\u51762026\u5e74\u6bcf\u80a1\u76c8\u5229\uff08EPS\uff09\u9810\u6e2c\u7684\u5f71\u97ff\u7d04\u70ba27%\u3002<\/p>\n\n\n\n<p>\u3000\u3000\u5df4\u514b\u840a\uff1a\u76ee\u6a19\u50f9\u770b123.9\u6e2f\u5143<\/p>\n\n\n\n<p>\u3000\u3000\u6574\u9ad4\u800c\u8a00\uff0c\u96d6\u7136\u6ed9\u63a7\u9762\u5c0d\u7684\u696d\u52d9\u7d93\u71df\u98a8\u96aa\u660e\u986f\u4e0a\u5347\uff0c\u4f46\u5df4\u514b\u840a\u8a8d\u70ba\uff0c\u5373\u4f7f\u5728\u6700\u60e1\u52a3\u7684\u5047\u8a2d\u60c5\u5883\u4e0b\uff0c\u6ed9\u63a7\u4ecd\u6709\u80fd\u529b\u63d0\u4f9b\u4ecb\u4e4e12.8%\u81f315.6%\u7684\u6709\u5f62\u80a1\u672c\u56de\u5831\u7387\uff08RoTE\uff09\u3002\u5982\u679c\u4e2d\u570b\u63a8\u51fa\u7d93\u6fdf\u523a\u6fc0\u63aa\u65bd\uff0c\u9810\u671f\u6ed9\u63a7\u4e5f\u53ef\u660e\u986f\u53d7\u60e0\u3002\u5df4\u514b\u840a\u5c0d\u6ed9\u63a7\u7684\u6295\u8cc7\u8a55\u7d1a\u70ba\u300c\u589e\u6301\u300d\uff0c\u76ee\u6a19\u50f9120\u4fbf\u58eb\uff0c\u6298\u7b97\u7d04123.9\u6e2f\u5143\u3002<\/p>\n\n\n\n<p>\u3000\u3000\u5b63\u7e3e\u9810\u6e2c\u65b9\u9762\uff0c\u64da\u6ed9\u8c50\u7d9c\u540817\u5bb6\u5238\u5546\u7684\u5206\u6790\uff08\u8cc7\u6599\u622a\u81f34\u670822\u65e5\uff09\uff0c\u9810\u8a08\u4eca\u5e74\u7b2c\u4e00\u5b63\u7684\u7a05\u524d\u76c8\u5229\uff08Profit before Tax\uff0c\u7c21\u7a31PBT\uff09\u7d0478.33\u5104\u5143\uff0c\u6309\u5e74\u6e1b\u5c1138%\u3002\u7576\u4e2d\u9280\u884c\u696d\u52d9\u6de8\u5229\u606f\u6536\u5165\uff08Banking NII\uff09\u548c\u975e\u5229\u606f\u6536\u5165\u9810\u6599\u5c07\u540c\u544a\u4e0b\u8dcc\u4e4b\u9918\uff0cECL\u5247\u589e\u52a0\u903e20%\uff0c\u6574\u9ad4\u7d93\u71df\u652f\u51fa\u4e5f\u589e\u52a0\u7d044%\u3002<\/p>\n\n\n\n<p>\u3000\u3000\u55ae\u770b\u8cec\u9762\u6578\u5b57\uff0c\u96d6\u7136\u5e02\u5834\u9810\u671f\u6ed9\u63a7\u4eca\u5e74\u9996\u5b63PBT\u6309\u5e74\u8dcc38%\uff0c\u60df\u4e0d\u61c9\u5fd8\u8a182024\u5e74\u7b2c\u4e00\u5b63PBT\u9ad8\u9054126.5\u5104\u5143\uff0c\u662f\u6b77\u4f86\u7b2c\u4e8c\u9ad8\u7684\u5b63\u5ea6\u8868\u73fe\u3002\u518d\u7ffb\u67e5\u904e\u5f80\u6b77\u4f86\u7b2c\u4e00\u5b63\u7684\u696d\u7e3e\u8868\u73fe\uff0c\u75312011\u5e74\u81f32022\u5e74\u671f\u9593\uff0c\u5176\u7a05\u524d\u76c8\u5229\u5927\u81f4\u4ecb\u4e4e32.29\u5104\uff082020\u5e74\u7b2c\u4e00\u5b63\uff09\u81f384.34\u5104\u5143\uff082013\u5e74\u7b2c\u4e00\u5b63\uff09\u4e4b\u9593\uff0c\u654578.33\u5104\u5143\u7684\u7a05\u524d\u76c8\u5229\u9810\u6e2c\u5df2\u4e0d\u7b97\u5dee\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u3000\u3000\u5716\uff1a\u5728\u53bb\u5e74\u7684\u9ad8\u57fa\u6578\u4e0b\uff0c\u6ed9\u63a7\u4eca\u5e74\u7b2c\u4e00\u5b63\u7a05\u524d\u76c8\u5229\u6216\u6e1b\u5c1138%\u3002 \u3000\u3000\u74b0\u7403\u91d1\u878d\u96c6\u5718\u6ed9\u8c50\u63a7\u80a1\uff0800005\uff09\u5c07\u65bc\u660e\u65e5\uff0829\u65e5\uff09\u516c\u5e032025\u5e74\u7b2c\u4e00\u5b63\u696d\u7e3e\uff0c\u96d6\u7136\u7f8e\u570b\u5fb5\u6536\u300c\u5c0d\u7b49\u95dc\u7a05\u300d\u63aa\u65bd\u5c0d\u9280\u884c\u5b63\u7e3e\u7684\u5f71\u97ff\u4ecd\u672a\u6d6e\u73fe\uff0c&hellip;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-39057","post","type-post","status-publish","format-standard","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/39057","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/comments?post=39057"}],"version-history":[{"count":1,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/39057\/revisions"}],"predecessor-version":[{"id":39058,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/39057\/revisions\/39058"}],"wp:attachment":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/media?parent=39057"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/categories?post=39057"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/tags?post=39057"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}