渣打(02888.HK):渣打商業模式無受近期歐美銀行事件影響
渣打(02888.HK)行政總裁溫拓思認為,近期歐美銀行事件只反映少數金融機構的信任危機,非廣泛機構償付能力出現問題,在監管機構流動性支持下已經阻止問題廣泛蔓延。目前無任何跡象顯示渣打的商業模式受到挑戰,包括資產負債表和流動性狀況都非常穩健。
對於集團首季信貸減值支出大幅減少。溫拓思形容今年開局表現令人鼓舞,又指無見到在主權降級和中國商業房地產領域情況有惡化,對信貸減值持謹慎取態,不會在現時更新指引,如果第二季信貸減值支出水平如首季相若,才可能會改變早前指引。
另外,溫拓思提到,在經歷了幾年疫情時期後,香港樓市明顯改善,對按揭貸款需求正在恢復,集團將繼續保持在按揭市場的份額。財務總監賀方德指,集團資產和負債端非常匹配,除非利率變化極端,否則目前對本港銀行同業拆息的走勢不會太敏感。
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