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恆生(00011.HK):淨息差仍受壓惟再收窄機會低
阿思達克 08-02 15:54
恆生銀行(00011.HK)財務總監樑永樂表示,去年第三季起淨息差按季表現平穩,但低息壓力仍存在,未認爲淨息差已見底,但相信再收窄機會不大。而去年下半年起恆生已積極優化資產表結構,以抵銷息口下行壓力,如增加活期存款及發行可轉債,隨着經濟回暖,未來亦會向財務狀況改善的客戶重新訂價。

風險監控總監楊志良表示,至6月底信貸質素與去年底相若,整體信貸質素保持理想。而未來會否回撥要視乎疫情,特別是變種病毒發展,會持審慎態度就未來經濟發展作出提撥調整。

他又指,恆生中國佔整體貸款少於20%,當中房地產貸款佔比亦不高,亦有做壓力測試,有關貸款質素良好。

企業貸款方面,商業銀行業務總監林燕勝指上半年有適量增長,料趨勢持續,貿易融資成爲很大增長動力,會視乎外圍經濟環境採取適當風險措施保持信貸質素。

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