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《大行報告》大和料內銀股不良貸款率下半年或見頂 看好招行及建行
阿思達克 08-04 14:21
大和發表報告指,內銀貸款質素惡化的情況將自6月起有所舒緩,相信不良貸款率將於今年下半年見頂。該行相信,未來與貸款質素相關的不明朗因素包括工業利潤反彈的情況可否持續,中小企貸款狀況透明度低,及在監管下對不良貸款分類的更新等。大和又提到信用卡消費質素和消費類貸款自4月起迅速反彈。該行認為,於有關情況下,專注零售業務的銀行於下半年將面對較小資產質素壓力。

報告並預計,次季商業銀行撥備前盈利按年增長5%,惟相信信貸損將按年增15%,經抵銷後料次季盈利按年倒退2%,上半年計則按年增長2%。該行偏好招商銀行(03968.HK)及建設銀行(00939.HK),主要由於其資產質素穩健及有良好能力進行風險管理。

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