大新(02356.HK):對貸款增長不樂觀 適時調整H按鎖息上限
大新銀行集團(02356.HK)董事總經理兼行政總裁王祖興表示,會密切留意本港銀行同業拆息(HIBOR)掛鉤按揭鎖息上限走勢,該行會在適當時候調整。他希望下半年投資氣氛不比上半年差,又指上半年貸款需求疲弱,根據政府對今年最新經濟預測,預期企業貸款需求疲弱,對貸款增長不樂觀,同時亦須關注信貸質素。
王祖興指,銀行業上半年費用收入大致下跌,希望下半年有改善,但相信改善幅度不會大,另外加息令資金成本上升,希望整合存貸組合,在息率向上時淨息差能維持穩定。
首席財務總監周志良表示,集團內房佔整體貸款4%,比例較細,該行加強信貸管理,並已增加撥備,相信即使下半年不良貸款增加,信貸質素亦能受控。
大新銀行與日本銀行農林中央金庫戰略合作,拓展農業及銀行業務。集團表示,相信日本對香港和內地的食品和農業出口有光明前景,對於合作感到興奮。
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