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安永:內銀淨息差仍受壓 惟料下行幅度有限
安永發布《中國上市銀行2022年回顧及未來展望》報告,58家上市銀行2022年度的營業收入合計近6.09萬億元人民幣(下同),按年增長0.79%。全年實現淨利潤合計近2.14萬億元,按年增長7.1%。 安永指,42家A股上市銀行2023年第一季度淨利潤按年增長3.22%,增速較去年同期下降5個百分點。營業收入近1.5萬億元,按年增長0.72%。淨利息收入近1.08萬億元,按年下跌1.8%。有23家銀行披露首季淨息差,有21家相比2022年度下跌。整體而言,首季上市銀行資產規模保持穩定增長,營業收入和淨利潤增長仍面臨壓力,不良貸款率和貸款撥備覆蓋率相比去年底保持穩定。 安永大中華區金融服務銀行及資本市場主管合夥人梁成傑指,內銀淨息差仍受壓,惟預期下行幅度有限。目前內地經濟仍處復甦初期,政策投向仍支持銀行力大信貸投放,但對情況不太感到悲觀,因為見到存款利率仍有一定下行空間,加上內地沒有高通脹問題,亦為降低貸款利率提供空間。
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