惠譽:港銀今年或有更好的盈利表現
評級機構惠譽表示,內地重新開放帶來更多的商業和投資機會,在較高的平均淨息差(NIM)和收費回升的支持下,香港銀行可能在今年實現更好的盈利表現。
惠譽估計,今年本港銀行淨利息收入將高於去年,但由於融資成本上升,利潤率不太可能從去年第四季度水平擴大,中國商業地產行業的資產質素壓力或會在今年首季持續,惟應會隨著經濟復甦而有所改善。
惠譽稱,去年銀行手續費收入按年跌10%至23%,但料今年理財和保險產品銷售,將在面對面機會增加的推動下提高手續費收入,且遊客和跨境商務旅客恢復,也將促進整體經濟活動和對金融服務的需求。
儘管來自內地房屋相關貸款短期資產質素壓力將持續,但惠譽預計,今年的預期信用損失費用或可由去年的水平下降,將支持該行業今年盈利整體改善。同時預計大多數香港銀行的資產質素壓力將會減弱。
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