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交行(03328.HK)料下半年淨息差保持總體穩定
阿思達克 08-27 18:32
交通銀行(03328.HK)副行長郭莽表示,下半年淨息差保持總體穩定,而降準、優化定價優化等的政策,都是有利公司的環境,但存款競爭激烈、貸款收益率下跌等亦帶來風險,公司會實施多項措施致力穩息差。 他指,上半年公司積極推動負債成本下降,各項成本都略有下降,但相信下半年高成本負債仍有下降空間,會推動負債成本穩中有降,目標是希望全年可降1,000至2,000億元人民幣,同時強化中長期定期存款價格監測管理、減少3年期以上佔比和成本、對新發生大額存單,與結構性存款利率進行價格管控,不超過同業的平均水平。 副行長周萬阜表示,未來數月疫情存在不確定性,影響未延展出來,而且國際經貿磨擦,特別是中美經濟恢復達到的程度,下一步關注疫情、經貿關係、財政政策的常規性回歸影響,但相信中國作為經濟增長引擎作用是不變動,故相信國內信貸需求仍然存在,會繼續加提升和加強商業銀行的服務能力,服務實體經濟存在,同時保持不良貸款,穩中向好。 他又指,上半年交通運輸、房地產、商業租賃行業的不良貸款有增加,原因包括將海航相關貸款全數撥入,以及受疫情和政策影響,而未能按時招租等,未來將做好壓力測試,加大風險裁判,以管理好業務風險。 副行長錢斌表示,作為數字化人民幣銀行試點之一,會是未來的重要內容,銀行會做好系統開發、場景招展、市場推廣等工作,保障系統高效、穩定,下一步會繼續做好支付業務,高度關注創新,加大數字人民幣場景探索,並與更多同業合作,共同打造開放合作共贏的情況。
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