郵儲銀行(01658.HK):下半年淨息差仍有下行壓力
郵儲銀行(01658.HK)上半年淨息差2.08%,較第一季下降1點子。該行行長劉建軍表示,下半年淨息差仍有下行壓力,視乎宏觀政策指導。
劉建軍在業績記者會表示,受貸款重新定價影響,今年最大息差降幅已在首季兌現。後續淨息差仍有下行壓力,取決於宏觀政策措導,包括貸款市場報價利率(LPR)會否仍有下行要求,以及房貸存量利率規模會否調整。若存量房貸利率維持現狀,則息差下行壓力不大,若下調將不能維持目前息差。
信貸投放方面,劉建軍稱,今年上半年貸款增加6,110億元人民幣(下同),按年增加735億元,已完成全年目標七成。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.