中行(03988.HK):未來仍面對淨息差壓力 海外貸款不良率升惟風險可控
中行(03988.HK)行長劉金表示,中期淨利潤呈穩定增長,按年增6.3%,為來之不易的成績,主要是因為加強資產負債管理,以致上半年淨息差較去年同期穩中有升。他指,銀行透過主動優化人民幣資產負債結構,合理控制成本,以抵銷人民幣貸款利率下跌的影響。他表示,未來銀行仍會面對淨息差的壓力,中行將會保持貸款投放,並繼續優化資產負債表及產品結構。
風險總監劉堅東指,上半年資產質量保持穩定,雖然上半年不良率與不良餘額雙升,但新的不良餘額數目較去年同期減少。受疫情影響,令處理進度減慢,以致不良率上升。境內貸款因受惠國家穩經濟政策,不良貸款率較年初下跌0.03%。海外業務由於受邊緣政治因素影響,以致不良貸款率上升。他補充,上半年中行不斷優化整體信貸結構,重點發展領域資產質量保持健康平穩 。
他表示,由於全球金融環境多變,海外貸款不良率升至0.8%,但認為風險可控,新增不良貸款主要集中在受疫情及地緣影響的行業,例如房地產、製造業、大宗商品、航空、旅店及酒店等。他表示,全球局勢不確定性仍存在,全球疫情常態化,相關風險已充份暴露,中行會加強監控並化解風險。
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