台銀上半年獲利97億 創新高 - 金融業討論

By Liam
at 2022-07-26T00:25
at 2022-07-26T00:25
Table of Contents
04:102022-07-25 工商時報 朱漢崙
台灣銀行今年上半年以逼近百億元的稅前獲利,名列公股前三大,近來成為公股金融圈的
熱門話題。由於並非上市公司,台銀不用按月公告獲利表現,台銀內部亦證實,2022年上
半年獲利再次寫下歷史新高,且台銀董事長呂桔誠任內推動的轉骨策略,已成功調整銀行
資產負債表的結構,使台銀今年營運表現出現三大紀錄。
台銀營運新三項紀錄,包括:一、2022上半年稅前獲利97億元,是今年以來獲利唯一未較
去年衰退的公股銀行,且已名列公股第三大獲利銀行,僅次於一銀、合庫,倘若再還原18
%優存等四大政策負擔所吃掉的獲利48億元,台銀上半年的總獲利應為145億元,居八大
行庫之冠。
二、定存包袱一向是台銀獲利的沉重負擔,但今年截至6月底,台銀的活存比已高達48.8
%,為歷史新高紀錄,且近六年來,台銀的活存比從38.6%增至48.8%,增幅超過10個百
分點,存款結構的大幅調整由此可見。三、台銀的放款跟存款量今年上半年較去年同期分
別增加超過2500億、2200億,年增率分別達9%、5%,創下近年來最大的成長幅度,放款
大幅增加也使台銀的存放比拉高逾七成,自2021年底的67%增至2022年6月底的71%,成
長4個百分點,為台銀成立以來的最高紀錄,也證明台銀的爛頭寸正在減少、資金運用更
加有效率。
對於上述三大紀錄的刷新,台銀主管認為,董座呂桔誠所提出的「三駕馬車」的策略,現
在已經「開花結果」,並且發揮相當大的利差效果,助益整體獲利的成長,以及放款、存
款結構的轉變;若以放款結構調整來看,包括房貸為首的消金、以及政府部門放款,和一
般企金放款,現在已各占比約33%,已可說是相當標準的「三等份」架構。
至於存款結構上,台銀主管坦言,即使18%的優存負擔年年減少,但許多人領了之後,還
是跑回來台銀存定存,目前活存比重能大幅升高到接近過半,台銀即使在作放款結構的重
新配置,企金方面已發揮比過去更大的品牌效果,許多指標大企業強化和台銀的往來;同
時,台銀的逾放比也同步續降至0.10%,代表在擴張資產及重配置的同時,資產品質亦同
步改善。
------------------------------
救命啊!又要砍什麼了???????
-----
Sent from MeowPtt on my iPhone
--
台灣銀行今年上半年以逼近百億元的稅前獲利,名列公股前三大,近來成為公股金融圈的
熱門話題。由於並非上市公司,台銀不用按月公告獲利表現,台銀內部亦證實,2022年上
半年獲利再次寫下歷史新高,且台銀董事長呂桔誠任內推動的轉骨策略,已成功調整銀行
資產負債表的結構,使台銀今年營運表現出現三大紀錄。
台銀營運新三項紀錄,包括:一、2022上半年稅前獲利97億元,是今年以來獲利唯一未較
去年衰退的公股銀行,且已名列公股第三大獲利銀行,僅次於一銀、合庫,倘若再還原18
%優存等四大政策負擔所吃掉的獲利48億元,台銀上半年的總獲利應為145億元,居八大
行庫之冠。
二、定存包袱一向是台銀獲利的沉重負擔,但今年截至6月底,台銀的活存比已高達48.8
%,為歷史新高紀錄,且近六年來,台銀的活存比從38.6%增至48.8%,增幅超過10個百
分點,存款結構的大幅調整由此可見。三、台銀的放款跟存款量今年上半年較去年同期分
別增加超過2500億、2200億,年增率分別達9%、5%,創下近年來最大的成長幅度,放款
大幅增加也使台銀的存放比拉高逾七成,自2021年底的67%增至2022年6月底的71%,成
長4個百分點,為台銀成立以來的最高紀錄,也證明台銀的爛頭寸正在減少、資金運用更
加有效率。
對於上述三大紀錄的刷新,台銀主管認為,董座呂桔誠所提出的「三駕馬車」的策略,現
在已經「開花結果」,並且發揮相當大的利差效果,助益整體獲利的成長,以及放款、存
款結構的轉變;若以放款結構調整來看,包括房貸為首的消金、以及政府部門放款,和一
般企金放款,現在已各占比約33%,已可說是相當標準的「三等份」架構。
至於存款結構上,台銀主管坦言,即使18%的優存負擔年年減少,但許多人領了之後,還
是跑回來台銀存定存,目前活存比重能大幅升高到接近過半,台銀即使在作放款結構的重
新配置,企金方面已發揮比過去更大的品牌效果,許多指標大企業強化和台銀的往來;同
時,台銀的逾放比也同步續降至0.10%,代表在擴張資產及重配置的同時,資產品質亦同
步改善。
------------------------------
救命啊!又要砍什麼了???????
-----
Sent from MeowPtt on my iPhone
--
Tags:
金融業
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