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恆生(00011.HK):今年淨利息收入或較上年好 下半年淨息差有溫和上升空間
阿思達克 08-01 16:27
恆生(00011.HK)執行董事兼行政總裁施穎茵表示,按照目前利息走勢,料下半年淨息差仍有溫和上升空間,惟認為現階段談及明年展望仍言之過早。 集團財務總監蘇雪冰認為,要視乎同業拆息會否保持高位、定期存款價格會否有競爭,均對淨利息收入帶來影響,但認為今年淨利息收入表現較上年好。 施穎茵亦補充,HIBOR至今已升達逾5%,加上市場認為未來放緩空間不大,故她相信HIBOR會維持較高水平,甚至有上升空間;她又指,市場預期任何利率放寬政策均於明年展開,料會影響淨息差及HIBOR走勢。 對於銀行業的定期存款競爭,蘇雪冰認為,即使上半年行業貸款下降0.5%,但下半年需求仍未復甦,令銀行對資金需求下跌;施穎茵補充,面對定期存款競爭力持續上升,恆生銀行不但要保持競爭力,同時平衡整體集團發展及投資方向,強調採用具有效益的策略才是最重要。 蘇表示,恆生流動覆蓋率達230.6%,擁有足夠的流動性,並可靈活地調配資金,故無需向金管局貼窗借款。 對於本港GDP次季增長放緩,施穎茵認為,由於宏觀經濟環境影響,利息持續高企,令香港出入口業務表現仍受壓,市場未來發展仍有不確定因素,故對下半年香港經濟持審慎樂觀看法,因香港零售及服務業增長均受惠於訪港旅客,惟尚未回到疫情水平,料未來會持續穩定上升。 另外,施穎茵認為,雖然內地GDP增長未符市場預期,但仍可見有穩健且正面增長,冀望利好政策出台能成為其一推動因素;她對內房展望持保守看法,並已作出適當的撥備,料今年信貸損失(ECL)較上年低,認為經濟復甦需時,現時利好政策陸續出台帶來正面訊息,惟市場仍需時消化及整合。(ca/u) ~
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