交行(03328.HK)料銀行今年息差會受壓 資產收益率下行風險大
交通銀行(03328.HK)副行長郭莽在全年業績電話會議上表示,該行去年淨息差明顯改善,淨利息收益率接年上升7個基點至1.58%,今年在LPR利率下行,及新型肺炎疫情對貸款定價和資產質素造成影響下,料銀行今年息差會受壓,資產收益率的下行風險大。
他指,該行期望今年可將負債成本下降,並抓緊市場利率下降的相關業務機會,及努力降低非生息資產佔比,以鞏固及穩定息差水平。
另外,該行管理層又稱,是次疫情令內地短期經濟活動明顯放緩,實體經濟受到打擊,對銀行資產質素有影響,該行所受影響與同業基本一致,其中信用卡業務受到的影響較大。
管理層稱,該行有及時採取相關措施,例如加大服務實體經濟,及正制定三個清單,包括因疫情出現困難的企業及個人客戶清單、存量高風險清單,及防控支持企業清單,未來會繼續透過了解客戶困難,藉重組及債轉股等方法幫助客戶渡過難關,並增強抵禦風險能力。(ek/a) ~
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