大新銀行(02356.HK):首季貸款增長緩慢 冀今年淨息差穩定
大新銀行(02356.HK)淨息差由2020年的1.63%擴闊至去年的1.72%。董事總經理王祖興表示,去年淨息差擴闊主要因為資金成本有效控制,尤其是存款,今年美國進入加息週期,資金成本會上升並且有壓力,息差視乎市場資金需求、香港跟隨加息步伐,該行會繼續調整貸款和存款組合,希望淨息差穩定在目前水平。
王祖興指,今年第一季貸款增長緩慢,因此難以預測今年貸款增幅,另外第一季受疫情、投資氣氛影響,客戶活動減少,預料今年費用收入將承受壓力。
泰禾人壽於今年2月8日起暫停承保新保單,預計為期3個月。王祖興表示,大新與泰禾人壽簽訂了15年獨家分銷合約,會繼續履行合約責任,強調泰和運作入場。
大新金融(00440.HK)及大新銀行集團首席財務總監周志良表示,該行內房貸款敞口佔5%、比例很小,去年第四季為內房貸款做出了撥備,但下半年撥備比2020年減少,認為內房信貸風險可控。
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