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農行(01288.HK)料今年淨息差仍有下行壓力 邊際降幅逐漸緩和
農業銀行(01288.HK)已發布去年業績。農業銀行行長付萬軍表示,去年農業銀行淨息差為1.9%,按年下降22個基點,與行業總體趨勢一致,這主要是受到貸款收息率及存款定期化趨勢等影響。他強調,雖然預計今年農業銀行淨息差仍將面臨一定的下行壓力,但邊際降幅有望逐漸緩和。 付萬軍又指,今年首兩個月受LPR重定價、市場和消費需求恢復節奏等因素影響,預計今年首季整個銀行業的營收增長將有所下降,農行與行業趨勢基本一致。他預期全年經濟運行將漸穩回升。 對於《商業銀行資本管理辦法》徵求意見稿出台,付萬軍表示,農行去年發行了800億元人民幣(下同)的永續債和1,300億元的二級資本債,合計令該行資本充足率增加1.06個百分點,早前又成功發行700億元二級資本債,進一步增強其資本實力。
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