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農行(01288.HK)料今年行業面對淨利息收益率下行壓力
阿思達克 03-31 18:07
農業銀行(01288.HK)副行長張克秋於電話會議上表示,去年淨利息收益率下降為合理區間,其中主要受到貸款市場報價利率(LPR)影響,該行加大普惠貸款、增加對中小企業的貸款亦有所影響。另外,該行去年亦調整存款產品的定價策略,及拉長存款周期,對資金成本亦有負面影響。

對於今年淨利息收益率走勢,她指行業面對淨利息收益率收窄的概率較大,由於3月開始所有新增貸款完全按照LPR,存量貸款佔比提升亦有影響,實際利率下降,加上全球無限量化寬鬆,對淨利息收益率不利。

農行副行長張旭光表示,疫情之初,信貸需求的確受到影響,惟其後經濟活動加速恢復,貸款亦強勁上升,相信不會錄得貸款倒退。

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