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《大行報告》花旗:恆生(00011.HK)涉內房貸款撥備高 預示中銀(02388.HK)或面臨損失風險
花旗發表研究報告指出,恆生銀行(00011.HK)管理層預期利率上升的環境下,對淨息差有利,雖然有可能要到今年稍後才會體現有關好處。 該行指出,恆生去年下半年的信貸損失撥備為25億元,約20億元的撥備與內地商業房地產有關,而相關內房貸款佔總貸款比例約7.5%或750億元,當中高風險敞口為125億元,僅佔總貸款約1%,高風險的撥備覆蓋率約為16%。 花旗認為,匯控(00005.HK)、渣打(02888.HK)及恆生均有就內房風險敞口作出撥備,或預示中銀(02388.HK)亦面臨損失風險。 此外,該行指恆生今年香港的信貸損失將取決於疫情重燃的宏觀影響。另今年財富管理收入受到分行關閉影響,但恆生的數碼化減輕了部分影響。
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