東亞(00023.HK):藍十字被歸類爲作出售資產 已減少內房貸款敞口
東亞銀行(00023.HK)聯席行政總裁李民橋表示,集團淨息差在去年下半年回穩,雖然美國加息未必反映香港銀行同業拆息(HIBOR),但指每100點子HIBOR加幅,會令香港淨利息收入有10億元進帳,因此加息對銀行正面。他指,集團2021年度全年股息按年增加75%,同時回購對衝基金Elliott所持股份,反映集團對業務有信心。
集團表示,旗下藍十字(亞太)保險現被歸類爲持有作出售資產。李民橋指,集團致力強化核心銀行業務,去年出售東亞人壽,結果反映方向對集團正面,會再就藍十字業務公佈。
集團表示,集團對內地房地產貸款風險敞口約14%,若發現高風險資產會將其放入密切觀察名單,並在去年第四季已經就有關戶口作出撥備,已在2021業績反映,認爲集團可以承受相關風險。李民橋認爲,目前內地對房地產行業融資有所鬆綁,按揭利率有調低,希望政策鬆綁後,房地產市場會好轉、流動性改善。
李民橋認爲,目前利息環境有利銀行盈利,疫情對香港有影響,但經驗顯示疫情的影響不會長久,認爲本港資產質素可控,集團在第四季已對某些高風險戶口作出撥備,目前香港資產質素非常好,相信能夠支撐短期防疫措施影響,若內地房地產市場再有不利消息,不排除信貸成本會在高水平,但認爲減值損失水平大約會維持在去年下半年水平。
聯席行政總裁李民斌認爲,內地2年前內地房企面對的債務問題大多涉及在非一、二線商業物業,而且大部分債務均是在岸、有物業抵押債務,惟今波危機涉及大型房企及離岸債務,集團在2年前已經全面檢視內房敞口,集團已經減少了部分敞口。他表示,來年內地減息對中國業務淨息差構成壓力,不過亦視乎零售和企業貸款佔比,但該行過去一年努力吸收低成本存款,應能助維持淨息差水平。
李民橋指,集團就着疫情應金管局要求將15間分行停止營業,個別分行出現病毒感染個案暫停營業,目前街道人流減少,不過很多客戶使用電子渠道,財富管理業務數碼渠道滲透率更達80%。
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