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恆生(00011.HK):如外圍環境好轉會檢討派息 無裁員、減薪等計劃
阿思達克 08-07 09:43
恆生銀行(00011.HK)副董事長兼行政總裁鄭慧敏出席電台節目時指,上半年生意難做,外圍環境亦有很多挑戰,期內純利按年跌33%,主要因為淨利息收入及淨息利收益率因低息環境而有下降,而市場波動令投資回報顯著下降,拖累保險業收入下跌,此外在不明朗環境下預期信貸損失也有所增加。

她指出現時針對信貸損失的估算已考慮包括本地生產總值、物價、失業率及利率等宏觀經濟因素,假如有變數亦會調整假設。鄭慧敏強調公司普通股權一級資本比率(CET1)比率達16.3%,流動性充裕,加上成本與收入比相對較低,相信下半年即使情況有變公司仍處較強的位置,由於未知外圍環境何時會有反彈,亦未知復甦的趨勢,故公司會繼續投資於科技及員工,另外亦會小心管理風險及成本等。

針對上半年公司減派息,鄭慧敏指公司希望採取漸進派息政策,但亦會視乎營運情況、監管規定及宏觀因素等,強調策略未變但今年情況較特別,外國很多監管機構亦叫銀行最好不要派息,而恆生與金管局一直緊密溝通,監管機構冀銀行可保持實力及資金,面對挑戰並支持香港的經濟活動,未來會密切留意情況,如外圍環境轉好會檢討派息。另外她強調恆生暫無裁員、減薪或要員工放無薪假的計劃,期望透過簡化流程及科技轉型等改變運作模式,分配更多人手在前線銷售,而不是在員工身上「開刀」。

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