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恆生(00011.HK)料今年信貸損失或低於去年 未有計劃派發90周年特息
阿思達克 02-21 15:07
恆生銀行(00011.HK)公布去年全年業績,預期信貸損失變動按年大幅增加172%,主要與內地商業房地產有關。執行董事兼行政總裁施穎茵在記者會上表示,今年預期信貸損失估計或較去年為低,主要由於內地政府就內房行業去年下半年陸續出台的各項政策開始見成效,因此對今年發展審慎樂觀。她稱該行早於2021年年底已開始對內房相關預期信貸損失作撥備,做法是較為謹慎。 風險監控總監張家慧補充指,內房行業的投資環境已有好轉,會繼續留意市場發展作適當提撥。而該行於內房行業的相關貸款去年下跌26%,現時於內房的風險曝露以民企為主,佔63%,國企則佔20%,未來會繼續降低在該行業的風險。 另外,財務總監蘇雪冰提到,淨息差表現受多方面影響,包括美息是否會再上升、銀行同業拆息走勢、經濟環境及市場競爭等,本港銀行淨息差於去年第四季普遍有改善,但是否已見頂要再觀察。她又認為,通關帶動經濟活動等增加,銀行今年的盈利能力或有改善,股本回報率亦應有進步。 今年為恆生銀行九十同年誌慶,對於會否派發特別股息,施穎茵回應稱派息考慮一籃子因素,包括資本狀況、壓力測試及業務發展策略等,目前未有計劃派發90周年特息,但該行對今年營商環境審慎樂觀,相信之後會於股東回報上體現。
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