中銀香港(02388.HK):有信心下半年不良貸款率維持優於市場水平
中銀香港(02388.HK)風險總監蔣昕在股東會上表示,下半年全球疫情反覆、地緣政治風險升溫和主要央行貨幣政策正常化等,均會加劇金融市場波動,影響經濟復甦步伐,將密切關注客戶信貸狀況,有信心下半年的不良貸款率維持在優於市場的水平。
副總裁龔楊恩慈表示,該行參與跨境理財通的南向客戶有逾90%是新客戶,北向客戶傾向購買更多產品,50%客戶使用自身資金投資,其餘則以兌換人民幣來參與投資,為外匯業務帶來商機,該行積極為香港和內地有序通關作準備,讓大灣區內居民均能使用該行跨境支付、財富管理等服務。
財務總監劉承鋼表示,隨著2022年疫情逐步受控,加息週期為銀行業盈利復甦提供空間,2022年第一季開局良好,將把握經濟復甦和利率回升有利形勢,2022全年派息會平衡股東回報、盈利水平等因素,努力提升股東回報。
副總裁袁樹,人民幣自4月起走弱,但經人民銀行降準等措施後,投資氣氛回暖,雖然人民幣兌美元有一定程度貶值,但相對一籃子貨幣匯價穩定,人民幣資產仍有吸引力,中國經濟基本面向好不變,相信該行離岸人民幣業務向好。
副總裁王兵表示,去年東南亞疫情反覆且匯率波動,集團東南亞業務面臨一定挑戰,集團去年東南亞機構貸款增長比集團貸款增速慢,是因應市場變化審慎經營的結果。該行第一季東南亞貸款開局良好,以港元計算,貸款按年增長2.5%,新增貸款主要投放在當地中資企業和當地龍頭企業,隨著區域全面經濟夥伴協定(RCEP)釋放東南亞發展潛力,東南亞外部環境會逐步好轉,將推動機構貸款平穩增長。
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