中银香港(02388.HK)下半年净息差及资产质素仍存在挑战
中银香港(02388.HK)风险总监卓成文於电话会议上表示,由於新型肺炎疫情仍未结束,下半年挑战仍然严峻。他指该行客户中,贸易、航空及酒店等六类较受疫情影响的客户贷款约1,600亿元,占整体贷款约10%。另外大型企业贷款占整体贷款达91.4%,较受影响的中小企则仅占8.6%,其中不良贷款率亦仅得0.25%,并有充足拨备覆盖。
副总裁王兵相信,该行全年仍可达成中高单位数贷款增长目标。财务总监隋洋则表示,净息差下半年将继续受压,主要由於低息环境及疫情对经济影响,将透过市场定价等抵销部份净息差负面影响。
上半年中银减少派息,对於全年派息,隋洋指将平衡股东利益及经营状况,并指现时下半年经营不确定因素仍较大。
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