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東亞:疫情帶來不確定性選擇保留資金 料淨息差維持較低水平
阿思達克 02-24 15:33
東亞銀行(00023.HK)公布去年全年業績,派息比率由逾50%降至約41%。聯席行政總裁李民橋在電話會議上表現,新型肺炎疫情為銀行業帶來很大的不確定性,因此該行選擇保留較多資金,令往後業務發展有更多彈性。而集團派息比例政策為介乎30%至70%,未來派息方面應會有彈性。

他指,去年是非常不尋常的一年,董事會考慮派息需平衡業務機會、股東及監管預期等,認為目前該行的資金頭寸良好,容許未來業務增長及其他發展。另外,集團正進行出售東亞人壽的流程,他稱目前未能透露詳情,但相信出售結果有利未來盈利及資本能力改善,集團亦會繼續開源節流,包括前中後台數據化、優化分行及拓展大灣區業務等,估計將來人手會持平。

李民橋又提到,去年三月香港銀行同業拆息開始下跌,預期在低息環境持續下,淨息差會維持在較低水平。該行又繼續採取吸客措施,去年香港總存款錄3.8%增長,存款質素正在改善,同時該行已進行大量風險管理工作,雖然不良貸款率短期可能仍處高位,但風險可控,料再有顯著減值的機會不大。

對於新一份財政預算案提出增加股票印花稅,他稱對高頻交易的影響會多於零售及財富管理等客戶,而該行亦有不同增加非利息收入的途徑,包括銷售保險及私人銀行業務等。管理層又指,業界覺得是次印花稅加幅大,增幅達30%,股市亦有即時反應,但相信消化過後市場會回穩,投資者會繼續買入有質素的股份。

中國業務方面,聯席行政總裁李民斌表示去風險工作已進行得七七八八,在中國經濟反彈下,料今年貸款規模會有增長。至於業務何時達收支平衡,他稱會一如既往盡最大努力做到最好。

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