恒生(00011.HK)郑慧敏:经济复苏至疫情前水平仍需一段时间
恒生(00011.HK)公布去年全年业绩,该行副董事长兼行政总裁郑慧敏表示,六个月之前曾指出有四大因素对去年上半年之业绩有负面影响,包括低息环境令净利息收益率及净利息收入受压、市场波动影响保险业务、预期信贷损失受到经济不明朗之影响,及物业重估出现净亏损。
她指,虽然人寿保险业务对收入之贡献较前一年有所缩减,但去年下半年录得反弹。另随着证券市场转趋活跃,该行积极管理投资组合,相关收入较上半年增长61%。惟其余三项因素继续影响全年业绩。特别是去年下半年香港银行同业拆息下降,为净利息收益率及净利息收入均带来更大压力。
展望今年,她指虽然金融市场於去年下半年稍有改善迹象,但全球实体经济仍然受众多不明朗因素困扰。经济复苏以及工商业及消费活动逐步回复疫情前之水平,可能仍然需要一段时间。低息环境亦令净利息收益率继续受压,并会为该行带来挑战。
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