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CNBC AI · 2026/8/4 04:50:05

HSBC pretax profit beats estimates, boosted by higher net interest income and fees
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汇丰银行交出了一份亮眼的二季度成绩单!税前利润达到101亿美元,比分析师预期还高,主要靠银行核心业务——净利息收入和其他费用收入强劲增长拉动。说白了,银行赚钱的大头就是存贷款利差和各种手续费,这次两项都表现不错。值得注意的是,利润同比大涨60%,但里面包含一次性收益的加成,比如特殊项目贡献了26亿美元,所以这个增速看着夸张,实际业务增长也扎实,营收整体涨了16%。对普通人来说,这个新闻最直接的影响是:汇丰的盈利状况好,说明全球主要银行的经营环境在回暖,贷款利率和存款利率之间的空间在扩大,这可能意味着未来银行能给出更具竞争力的存款产品,或是在贷款审批上更积极。同时,如果你持有汇丰股票或相关基金,这次业绩超预期可能会带来股价提振。整体来看,银行日子过得好,经济活动通常也在升温,这对就业和消费都有正面信号。当然也要留意,一次性收益占比较高,后续能否持续还得看真实业务增长。
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FinancialsHSBC pretax profit beats estimates, boosted by higher net interest income and fees Published Tue, Aug 4 202612:50 AM EDTJustina Lee@in/justina-lee-2742aa59WATCH LIVEKey PointsHSBC’s revenue gained 16%, year on year, exceeding estimates.The lender’s second-quarter profit before tax rose to $10.1 billion, down from $6.33 billion a year earlier.Dado Ruvic | ReutersHSBC reported second-quarter pre-tax profit of $10.1 billion on Tuesday, exceeding analysts' estimates on the back of stronger growth in banking net interest income and other higher fees. Revenue at Europe's largest lender gained 16% year-on-year, helped by a one-off gain of $1.3 billion from notable items. Second-quarter profit before tax rose 60% year-on-year, also helped by a net favorable impact from notable items of $2.6 billion, the company said. Here are HSBC's second-quarter results compared with the consensus estimates compiled by the bank.Pre-tax profit: $10.1 billion vs. $9.51 billionRevenue: $19.1 billion vs. $18.57 billionNotable items included costs associated with a $200 million restructuring, HSBC said in a statement.HSBC's net interest income rose 9% in the second quarter, year on year, to $9.29 billion. Operating expenses fell 2%, owing to lower restructuring costs. HSBC maintained its targeted return on tangible equity — a measure of profitability — of 17%. Annualized RoTE in the reported quarter, excluding items, was 19.1%.The HSBC board also approved a second interim dividend of 10 cents per share. The company plans to initiate a share buyback of up to $1 billion, which it expects to be completed by the announcement of third-quarter results, it said. Choose CNBC as your preferred source on Google and never miss a moment from the most trusted name in business news.Subscribe to CNBC PROSubscribe to Investing ClubLicensing & ReprintsCNBC CouncilsSelect Personal FinanceJoin the CNBC PanelC
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