Thursday, March 08, 2007

美銀大搞環保貸款

潮流興講環保,企業紛紛以此作為履行社會責任的手段之一,最近美國銀行(Bank of Amercia Corp.)更提出大搞環保貸款,在未來10年,投放於與環保相關的商業借貸和投資銀行業務所涉金額達180億美元(約1,404億港元),即平均每年也有140億港元,數目不算少。

至於美國個人客戶業務方面,美銀亦投入20億美元(約156億港元),向購買具能源效益房屋的當地客戶提供較低按揭息率,或1,000美元(約7,800港元)退款,真是噱頭十足。客戶每簽帳1美元,部分亦會撥作減少溫室氣體排放量計劃。香港的銀行雖然不愁無生意,但美國乃走在潮流之先,商業發展也不例外,香港銀行亦最叻跟風向轉,可指望具有環保噱頭的銀行業務即將在本地出現。

說回香港,銀行股隻隻業績表現理想,特別是那些中型銀行如創興(1111)、富邦(636)和永隆(096)等去年盈利均有不俗表現,這間升26%、那間增35%,另一間亦漲45%,間間都有高雙位數字增長。不過,業績佳代表盈利基礎已有所擴大,今年業績能否再進一步,相信員工要更賣力推銷才可符合新一年業績目標,否則未來那份花紅分分鐘「凍過水」。

談到花紅,大笨象滙豐控股(005)全年盈利雖然只有單位數字增長,但符合市場預期,其中旗下香港上海滙豐銀行員工的花紅亦未受影響,因業務表現非想像般差。因去年香港經濟可謂百業好景,當中金融業最受惠,大家齊炒股,帶動證券買賣佣金水漲船高,如看香港上海滙豐去年業績,主力拓展的保險收入便增長13%,來自單位信託基金銷售額更升61%之多,可見港人樂於投資,銀行的非利息收入亦跟隨向上。

由於香港業務按獨立計算,故以去年業績掛鈎去計算花紅時,按上海滙豐稅前盈利上升10.9%來看,香港的員工自然達標,並分為五級制去分配花紅,第一級的當然是最佳,而獲第五級表現評價的,恐怕要自行決定前程了。由於業績OK,據聞一般而言,各員工評級普遍都有第三級水平,算是中規中矩,不過不失,基本而言也會獲發相等於月薪60%至1.5倍不等的金額為花紅,留作交稅和安排一個短途旅行亦算不俗。

當然,有些特別標青的,能夠獲第一級表現評價的話,花紅總額就相當理想,據聞更可達4個月月薪之多!認真和味!

港交所強身抗敵
一場股災,港交所(388)股價在短短一個月內不見了15大元,股價大幅回落後,昨日逆市反彈2.3%至74.1元,單日升1.7元,相信為今日公布的06年全年業績沖喜。

證券交易所股票於世界各地都有價有市,喜歡出外作收購的新加坡企業又有新動作,新加坡證券交易所動用4,270萬美元(約3.3億港元),購入印度孟買證券交易所(Bombay Stock Exchange Ltd,BSE)5%股權,即整間公司值8.54億美元(約66.6億港元),與德意志交易所入股BSE5%股權作價一樣。以去年BSE盈利計,是次作價的市盈率約42倍,屬國際性交易所介乎35至48倍的市盈率中間水平。

入股BSE這間印度歷史最悠久的證券交易所,新加坡交易所當然不會純粹扮演投資者角色,雙方肯定合作安排區內市場整合,如鼓勵印度上市公司往新加坡掛牌等,藉此提升新加坡交易所的金融地位。

幸好,港交所亦有兩手準備。在加強本身能力方面,該所最近披露由本月26日起,買賣盤手數上限將由現時的600手大幅增加至3,000手,以配合每日處理的大宗買賣盤數目有所增加,解決目前進行大手買賣時,需分拆為多個買賣盤始能完成交易的問題。

不要看輕這個改動,皆因買賣更方便,大孖沙參與的興趣自然更濃厚,而且提高大手買賣手數,無疑是吸引大戶買賣,每次成交額自然比一般散戶的注碼為高,藉此可提升每宗交易的平均成交金額。

在拓展方面,就解決香港及其他認可司法權區以外地區註冊成立的公司,在主板及創業板申請上市問題,港交所同證監會齊公布釐清《上市規則》中的有關要求,方便其他地區的公司來港上市,有助擴闊上市公司的來源,上市費自然有著落。

以現價計,該股市盈率達58倍,似乎與國際同類對手比較有點偏高,但該數字乃按05年度盈利表現計算,若以去年度已公布的9個月業績計,市盈率即降至47倍,你話連同第四季盈利顯示出來,市盈率是否會大幅調低,大戶會否借勢作藉口「做嘢」呢?

(3月8日刊於《am730》)

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