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招行(03968.HK):有信心保持全年資產質素穩定
內媒報道,招行(03968.HK)(600036.SH)副行長朱江濤指,有信心保持招行全年資產質素穩定,對於下半年資產質素的判斷,總體上會延續上半年風險變化的趨勢。 截至6月底止,招行不良貸款率0.95%,較上年末上升0.04個百分點。朱江濤在業績交流會上表示,不良貸款率增加,主要有幾個方面因素的影響,首先是經濟處於下行的狀態,同時疊加疫情影響,所以整體風險處於上升趨勢,另外基於自身管理的需要,進一步加強對資產質素的管控,從嚴收緊分類標準。 朱江濤舉例,對不良貸款的認定,今年全面實行逾期60天以上就列入不良貸款的標準,信用卡逾期時點的認定也按照監管的要求調整到位,另外亦有房地產和信用卡兩大領域風險上升的影響。
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