東亞(00023.HK):息差擴闊能抵銷存款利息成本
東亞銀行(00023.HK)聯席行政總裁李民橋表示,近期本港銀行同業拆息(HIBOR)急速上升,留意到有銀行上調H按封頂息率,該行暫時H按封頂息率維持在2.5厘,會繼續監察市場情況決定有無需要調整;至於最優惠利率(Prime rate)則要視乎HIBOR走勢、銀行體系結餘、美國加息取向,相信下半年Prime rate上調機會很高。
李民橋指,HIBOR上升有利香港業務,預料香港業務未來12個月淨息差會改善30基點,集團淨息差將改善20基點,帶來額外的17億元淨利息收入,相信能抵銷存款利息成本。他希望,出售藍十字(亞太)保險的交易能夠於未來數星期完成,帶來約14億元盈利將在下半年入帳。
東亞2022年中期息大減54%,同時宣布擬斥5億元進行回購。李民橋指,集團派息和盈利掛鉤,上半年集團派息較保守,但同時宣布回購,顯示集團對業務信心,對未來展望正面。
李民橋認為,內房債務問題持續,該行審慎處理壞帳風險,若下半年沒有顯著改善,不排除撥備水平較高。聯席行政總裁李民斌表示,對下半年減值損失看法較審慎,預計內地下半年經濟應比上半年改善,政府有空間刺激經濟,內地政府已經採取一系列措施振興樓市需求,和改善房企流動性,希望情況會在下半年改善。他指,爛尾樓對該行影響近乎零,客戶沒有跟隨停止還按揭貸款。
集團表示,集團內房貸款佔比已逐漸回落,目前規模為860億港元等值,對內房新增貸款審慎,將積極減少內房貸款佔比。
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