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招行(03968.HK):整個銀行業存款競爭激烈 今年內房風險仍處於上升階段
招商銀行(03968.HK)常務副行長兼財務負責人王良表示,今年經濟下行巨大壓力,人民銀行去年12月下調了政策利率,令銀行貸款利率下行,整個銀行業存款競爭激烈,資本市場出現巨大波動,令基金代理銷售遇到很多困難,不過對全年國家實現5.5%經濟增長有信心,隨着財政、貨幣政策支持力度加大,對貸款保持以往增速充滿信心,貸款增長將以零售信貸爲主。 董事長繆建民指出,過去數年,集團派息比率均不低於稅後淨利潤30%,今後也會保持不低於稅後淨利潤30%,認爲這比例合適,又指集團並非不能作普通股融資,而是不希望普通股融資攤薄每股盈利。 副行長兼首席風險官朱江濤表示,該行去年第四季撥備比較多,是由於面臨諸多外部不確定因素、地緣政治風險上升、疫情反覆,因此基於審慎原則提高了撥備,預料今年整體撥備維持2021年水平,撥備比例會穩中有降。 朱江濤預料,今年內地房地產行業風險仍然處於上升和釋放階段,行業不良貸款率會進一步上升,在今年內對該行構成的風險將與行業趨勢保持一致,該行會強化管理,把不良貸款率控制在合理水平。 朱江濤指,該行不承擔信用風險的房地產信貸敞口包括代銷服務,截至去年底代銷規模988億元人民幣,當中房地產佔933億元人民幣,違約客戶主要包括華夏幸福(600340.SH),華夏幸福已經出臺了債務重組方案,至於恆大(03333.HK),該行會保持和項目管理人溝通,根據管理人提供的資料,相應項目可售現金價值對該行融資覆蓋比例充足,政府已經介入,已經有了風險化解方案,該行會加快產品風險處置,維護投資者權益。 副行長汪建中表示,目前基金市場波動,投資者對此理解,預料今年財富管理客戶增長速度理想,保險銷售增長繼續保持高速,雖然目前在基金銷售遇到困難,但該行會爲客戶作出逆週期配置。 副行長李德林認爲,不要高估短期經濟下行構成影響,目前房地產下行情況可以透過重組併購解決,去年以來對公貸款投放穩步增長,相信今年會延續這個趨勢。
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