標普:郵儲銀行(01658.HK)業績符預期 保持良好資產質量
評級機構標普發表報告,指郵儲銀行(01658.HK)(AAAspc/穩定)2019年財務業績符合標普預期。該行去年實現了健康的盈利。2019年該行實現淨利潤610億元人民幣(下同),較2018年增加近17%。2019年的淨資產回報率為13.1%,較2018年增加了0.8個百分點。該行保持了在淨息差方面的優勢,2019年淨息差為2.5%,高於2.2%的行業平均水平。
郵儲銀行資本充足率保持充足。截至2019年末,該行披露口徑一級資本充足率為10.87%,披露口徑資本充足率為13.52%,均滿足監管要求。另外,繼2019年12月在A股上市之後,該行在2020年3月發行了800億元的無固定期限資本債券,有利於該行進一步增強資本實力,滿足2020年的業務發展需求。
報告稱,郵儲銀行的資產質量在2019年保持良好。截至2019年末,該行不良貸款率為0.86%,關注類貸款佔比為0.66%,與上年末情況基本持平,遠低於2019年末全行業1.86%的不良貸款率和2.91%的關注貸款率。
標普認為,新冠疫情可能短期內對郵儲銀行的資產質量造成一定壓力,尤其是對小微貸款的資產質量造成一定負面影響,但長期來看壓力可控。報告認為,郵儲銀行充足的撥備水平有利於該行應對新冠疫情對其資產質量帶來的新挑戰。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.