平安銀行(000001.SZ):去年私人財富和信用卡收入有明顯壓力 今年各業務增長勢頭明顯
中國平安(02318.HK)子公司平安銀行(000001.SZ)董事長謝永林表示,2021年公司營業收入主要在第二季因基數問題而有壓力,其餘三個季度營業收入增長均爲正常水平,又指去年零售銀行業務中私人財富和信用卡收入明顯面臨壓力,主要因爲私人財富受到風險規避情緒影響,以及該行收緊信用卡準入門檻收緊。他認爲,今年各業務增長勢頭明顯,對2022年營業收入有信心,又指今年首兩個月信用卡營業收入增速已經恢復到接近20%。
行長鬍躍飛表示,該行對公業務客戶基礎大幅增加、客戶質量正在提升,目前該行對公業務不良率爲0.7%,爲歷史最好水平,也是同業中最好的水平,由於對公業務難以避免受經濟週期影響,因此該行日後會持續管理風險,認爲過去依賴資產擴張維持增長的模式難以爲繼。
副行長兼首席財務官項有志表示,該行房地產風險整體可控,截至2021年底,該行房地產信貸、自營債券投資和非標投資等承擔信用風險的業務餘額合計3,411億元人民幣,對公房地產貸款不良率0.22%,較2020年底基本持平,低過企業貸款不良率0.49個百分點。
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