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《大行报告》大和料内银股不良贷款率下半年或见顶 看好招行及建行
阿思达克 08-04 14:21
大和发表报告指,内银贷款质素恶化的情况将自6月起有所舒缓,相信不良贷款率将於今年下半年见顶。该行相信,未来与贷款质素相关的不明朗因素包括工业利润反弹的情况可否持续,中小企贷款状况透明度低,及在监管下对不良贷款分类的更新等。大和又提到信用卡消费质素和消费类贷款自4月起迅速反弹。该行认为,於有关情况下,专注零售业务的银行於下半年将面对较小资产质素压力。

报告并预计,次季商业银行拨备前盈利按年增长5%,惟相信信贷损将按年增15%,经抵销後料次季盈利按年倒退2%,上半年计则按年增长2%。该行偏好招商银行(03968.HK)及建设银行(00939.HK),主要由於其资产质素稳健及有良好能力进行风险管理。

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