金管局:港銀對內地貸款質素轉差 應警惕信貸風險管理
金管局發表最新一份《貨幣與金融穩定情況半年度報告》,指出香港銀行業的內地相關貸款總額由2021年底的47,250億元增長1.7%至2022年6月底的48,060億元,佔總資產的15.7%,由於內地多個省份反覆出現新冠確診感染個案,加上房地產市場表現疲弱,內地經濟可能因此面臨經濟阻力,銀行應繼續對內地相關貸款的信貸風險管理保持警惕。
同時,金管局指出,鑑於美國利率快速上升,本地利率將預期會跟隨,可能會進一步對企業償還貸款的能力構成壓力,銀行亦應留意企業貸款信貸風險。
報告指出,上半年本港爆發第五波疫情,零售銀行的盈利由於非利息收入減少及貸款減值撥備增加而有所減少,零售銀行整體稅前經營溢利按年下跌19.5%,資產回報率相應地下跌至0.54%,對比2021年同期為0.69%。特定分類貸款比率在同期亦輕微上升,但按歷史及國際標準計仍然維持在健康的水平。
展望未來,金管局認為包括美國隨後加息的步伐及幅度、本地疫情的變化及地緣政治風險對經濟帶來的不確定性增加,下行風險因素可能對銀行管理其信貸風險構成挑戰,部分家庭及企業的償債能力轉弱,銀行應審慎評估利率急劇上升對其貸款組合的潛在影響。
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