星展私銀料禁內銀美元業務機會微內地信用風險可控
星展私人銀行香港及內地銀行及保險業分析師施(田井)宇出席記者會指，該行為19家上市的內銀進行了壓力測試，探討在宏觀風險、按揭和信用卡風險，以及私人企業及非標資產的風險。現時估計內地銀行體系需要補充2萬億元人民幣，以滿足核心一線資本比率要求，而四大行未來亦需要增資4.1萬至4.5萬億元人民幣，以滿足總損失吸收能力 (Total Loss Absorbing Capacity)要求。
他認為，現時內地信用風險相對可控，留意到內地去槓桿下國企較易自銀行體系融資，惟民企較難獲取資金，或導致無法再融資、潛在違約、倒閉及產生不良貸款。他指出，根據中銀保監數據，四大內銀及股份制銀行過去數季不良貸款比率維持平穩，惟農商行不良貸款一直上升，因為去槓桿所影響到的小型企業，是相關銀行的主要客戶，但他認為，相關因素不構成系統性風險，而中央亦有政策鼓勵大型銀行貸予民企及中小企，冀助緩和企業再融資等的風險。
施氏指出，要求四大行及股份制銀行增加貸款予民企，不良率自然會增加，因為銀行貸款予大型企業及民企的風險屬性不一樣，但風險高自然銀行亦會收較高利率以平衡風險回報，認為可抵銷相關風險。
據《華盛頓郵報》報道，一名美國法官發現三家大型中資銀行在對北韓違反制裁的調查中蔑視拒絕遵守傳票，市傳事件涉及招商銀行(03968.HK)、交通銀行(03328.HK)及浦發銀行(600000.SH)，市場估計最嚴重或有機會被取消美元清算管道。施氏指出，招行跟浦發銀行基本上不是面對信用風險，認為事件對銀行有衝擊，因為三家銀行美元資產比例介乎5%至10%，最壞情況或不能做美元業務，但認為這類型的制裁十分嚴重，不太可能發生。
而針對包商銀行被接管事件，他認為僅屬單一事件，強調不是由系統性信用風險造成，而是涉及股東不當行為，故風險可控。
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