农行(01288.HK)料今年行业面对净利息收益率下行压力
农业银行(01288.HK)副行长张克秋於电话会议上表示,去年净利息收益率下降为合理区间,其中主要受到贷款市场报价利率(LPR)影响,该行加大普惠贷款、增加对中小企业的贷款亦有所影响。另外,该行去年亦调整存款产品的定价策略,及拉长存款周期,对资金成本亦有负面影响。
对於今年净利息收益率走势,她指行业面对净利息收益率收窄的概率较大,由於3月开始所有新增贷款完全按照LPR,存量贷款占比提升亦有影响,实际利率下降,加上全球无限量化宽松,对净利息收益率不利。
农行副行长张旭光表示,疫情之初,信贷需求的确受到影响,惟其後经济活动加速恢复,贷款亦强劲上升,相信不会录得贷款倒退。
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