中金:上調信行(0998.HK)評級至優於大市 目標價升至6.21港元
中金公司發表研究報告指,中信銀行(0998.HK)加大力度將逾期60天以上貸款認定為不良,資產質量基礎更紮實。該行將中信銀行H股目標價上調11%至6.21港元,A股目標價上調10%至6.93元人民幣,評級亦升至“優於大市”。
中金公司表示,銀行在2019年加快清理存量不良之後,為後續業務開展減輕包袱。去年末不良率按季下降7個基點至1.65%,主要由於銀行加大核銷力度。
該行又指,去年四季度不良淨生成率按年增加55個基點至1.87%,不良的增加部分來自於趨嚴的不良認定,年末逾期60天以上貸款與不良的比例為84.4%。

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