穆迪維持交行(03328.HK)「A2」長期存款評級 展望穩定
評級機構穆迪表示,維持交通銀行(03328.HK)「A2」長期存款評級,同時維持交行「baa3」基礎信用評估(BCA)和調整後BCA,展望仍為穩定,估計該行未來12至18個月財務狀況將大致保持穩定,同期中國政府提供支持的意願和能力預測基本維持不變。
穆迪指,交行的資產質量、盈利能力和資本狀況面臨周期性壓力,是來源於中國經濟增長放緩、房地產市場回調以及疫情持續對業務的干擾,但指出該行的業務側重於信用良好的經濟發達地區的客戶,風險管理健全,相信有助於部分緩解上述風險。交行的BCA則反映其資產質量穩定及流動性充足。
穆迪預計,該行的淨利潤對有形資產比率不會從2022年上半年0.65%的水平顯著下降,主要由於期內融資成本下降;貸款佔總資產的比例僅輕微上升;以及受理財和信用卡業務的手續費及佣金收入復甦所支撐。
考慮到銀行間業務監管嚴格及交行存款基礎擴大,穆迪預計未來12至18個月該行對市場資金的依賴程度將進一步輕微降至有形資產的20%左右,指出其流動性資源充裕,料將達到有形資產的40%左右,足以覆蓋其市場資金。
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