中行(03988.HK)料资产质素续保持稳定 净息差仍面临收窄压力
中国银行(03988.HK)风险总监刘坚东在中期业绩发布会上表示,今年上半年受疫情冲击,该行信用卡等境内零售业务,及境外业务有比较大影响,另外为缓解中小型企业经营的短期压力,该行对企业的本金及贷款利息进行延期。
他称在目前复杂市场环境下,下半年信用风险的暴露料会持续,该行会加大不良资产处理及拨备计提力度,但估计资产质素仍会保持稳定,信用风险总体可控。
副行长郑国雨提到,由於利率下调及外币降息等因素影响,该行上半年净息差按年下降一个基点至1.82%,预期未来净息差仍然面临收窄压力,该行会透过持续优化资产结构、提升资金利用效率、控制负债成本及加强管理等措施,降低市场环境对净息差带来的冲击。
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