交通銀行(03328.HK):信貸資源將向經營財務策略穩健優質房企傾斜
交通銀行(03328.HK)舉行第三季業績交流會,首席風險官林驊表示,近日分別與萬科集團及美的置業(03990.HK)簽署全面戰略合作協議,向其提供1,000億及200億元人民幣意向性綜合授信額度,未來將以「因城因戶施策、分層分類管理」為原則保持房地產融資平穩有序,信貸資源會重點向三大都市圈、成渝雙圈等產業及人口導入地區傾斜,並向經營財務策略穩健的優質房地產企業,以及向區位和成本優勢明顯的住宅項目傾斜。
他又指,受到疫情等因素影響,9月末零售貸款增速有所放緩,未來在一系列穩經濟政策下,預計信貸需求可持續改善,信貸業務預計繼續保持平穩增長。
董事會秘書顧生表示,新《巴塞爾協定三》計量規則預期較現行規則總體略微寬鬆,相信將會對交行資本充足率起到一定程度的正面支撐作用,未來會結合市場情況,擇機透過發行二級資本債、永續債等融資工具進行資本補充;對於補充核心一級資本問題,未來亦將視乎情況進行研究。
首三季交行淨利息收益率按年跌5個基點至1.5%,他表示未來會積極優化資產負債結構,著力降低負債成本,力爭保持息差總體相對穩定。
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