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渣打銀行首季稅前利潤增10% 財富管理及投資銀行表現強勁
渣打銀行（Standard Chartered PLC）於本週五公布，儘管面對信貸減值增加及關稅不確定性，該行今年首季稅前利潤仍較去年同期上升10%。這主要得益於財富管理和投資銀行業務的強勁表現。
這家總部設在倫敦，以亞洲市場為主的銀行，於截至3月31日的首季錄得稅前利潤21億美元，較去年同期的19.1億美元增長。
渣打的營運收入提升7%至54億美元，其中財富管理收入大增28%，全球銀行業務收入亦上升17%。
淨利息收入增長7%，達28億美元，淨息差改善至2.12%。
不過，信貸減值費用上升24%，達2.19億美元。公司指出，由於貿易緊張局勢和關稅不確定性增加，非線性費用亦增加了2300萬美元。
渣打行政總裁比爾·溫特斯（Bill Winters）強調關稅風險，他表示：「隨後實施的貿易關稅增加了全球經濟和地緣政治的複雜性，我們將持續密切關注外部環境。」
該行維持2025至2026年的業績指引，目標是年收入增長5%至7%，及到2026年有形股本回報率（RoTE）接近13%。
渣打銀行於香港上市的股份於報告發布時上升0.9%。
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編輯觀點：渣打銀行的表現反映亞洲市場的韌性與挑戰
渣打銀行作為一家深耕亞洲市場的英資銀行，首季業績的增長凸顯了其在財富管理及投資銀行領域的競爭力。財富管理收入大幅增長28%，顯示該行成功抓住亞洲中產階級和富裕客戶群不斷擴大的需求，這是長遠穩健增長的關鍵。
然而，信貸減值費用上升及因應全球貿易緊張而增加的非線性費用，提醒投資者環球經濟環境仍充滿不確定性。特別是中美關係及全球關稅政策的變動，可能對銀行的跨境業務和風險管理帶來挑戰。
值得注意的是，渣打維持未來兩年的穩健增長目標，顯示其管理層對市場前景持謹慎樂觀態度。對於投資者來說，這種平衡風險與機遇的策略值得關注。
整體而言，渣打銀行的表現不僅反映了亞洲經濟的活力，也反映了全球經濟和政治變數對金融機構的深遠影響。投資者和市場觀察家應密切留意該行如何在不斷變化的環境中調整策略，以保持競爭優勢。
以上文章由特價GPT API KEY所翻譯及撰寫。
🎨 Nano Banana Pro 圖像生成器｜打幾句說話就出圖
想畫人像、產品圖、插畫？SSFuture 圖像生成器支援 Flux 同 Gemini Nano Banana Pro 改圖 / 合成， 打廣東話都得，仲可以沿用上一張圖繼續微調。
![[Enhanced Artistic Prompt]
A highly detailed portrait of a young Asian woman inspired by the delicate, doll-like beauty of Imada Mio (精緻洋娃娃臉). She has large, round, luminous eyes with a deep, expressive gaze, a petite V-shaped face, full rosy cheeks, and porcelain-soft skin. Her expression is a captivating blend of innocence, youthful energy, and subtle flirtation, capturing an aura of pure allure.
Her hair is long, dark chocolate brown, with natural volume and texture—slightly tousled in an artful, “just woke up” messy style (剛睡醒的凌亂感), with soft strands falling over her face and shoulders. She wears an oversized, semi-translucent white button-down boyfriend shirt (男友風白襯衫), loosely draped and unbuttoned at the top, elegantly revealing her collarbones and creating a “bottomless” fashion look (下衣失蹤風格) with a sense of relaxed intimacy.
The overall aesthetic is reminiscent of a contemporary Japanese Gravure photobook (寫真集風格), evoking both pure charm and subtle sensuality (Pure & Sexy vibe). Use bright, high-key natural lighting to create a soft, ethereal glow, with smooth, radiant skin texture. Emphasize pastel color grading and gentle film grain, referencing the signature look of Fujifilm PRO 400H for a dreamy, cinematic finish. Compose the image artistically, focusing on beauty, mood, and expressive detail, as if captured in a candid, intimate moment.
— full body or mid-length portrait, shallow depth of field, delicate highlights, softly blurred minimalist background, inviting eyes, tasteful and elegant composition.](https://ssfuture.shop/wp-content/uploads/ai_gen_1764974976-300x300.png)
![Ultra-detailed pastel kawaii cosplay portrait of a woman [image uploaded] character, posed with hands gently pressed together under her chin in a soft, doll-like gesture; vivid long wavy hair in split-gradient lavender and pink with styled curled ends; straight bangs dyed pastel lavender; decorative accessories throughout the hair including pastel bows, lace ribbons, small charms, and a frilled white lace headpiece with pink accents; makeup: heavy kawaii style with saturated pink eyeshadow, pink blush extending across cheeks and nose, glossy pink lips, heart-shaped cheek stickers, and large contact-lens-enhanced eyes; outfit: pastel pink lace wrist cuffs with big bows and heart embellishments, soft pastel clothing with ribbons and frills; background: dreamy soft-focus bokeh in shimmering pink tones creating a magical fairytale atmosphere; lighting: bright soft diffused beauty lighting with zero harsh shadows, high exposure pastel glow, smooth porcelain skin texture, ultra-saturated colors, whimsical fantasy aesthetic, high-resolution portrait photography. Negative: no real-person likeness, no watermark, no text, no distortion, no extra limbs, no deformed face, no realism unless stylized, no background objects.](https://ssfuture.shop/wp-content/uploads/ai_gen_1765323126-300x201.png)
