恆生(00011.HK)料今年撥備續降 對香港商業房地產貸款前景審慎樂觀
恆生(00011.HK)執行董事兼行政總裁施穎茵表示,內地的商業房地產預期信貸損失已在2022年見頂,並預料今年該行的撥備將維持下降趨勢。
她續指,香港商業房地產貸款組合未有系統性風險,而恆生銀行對風險承擔能力亦未有重大改變,對今年香港貸款前景審慎樂觀。
財務總監蘇雪冰表示,1月的一個月香港銀行同業拆息(HIBOR)較去年12月及第四季比較均有所下降。恆生銀行對HIBOR走勢預測與市場一致,預計今年上半年HIBOR仍然維持高水平,但下半年會有下調。
她認為,HIBOR下跌同時為恆生銀行帶來機會,或可帶動貸款需求上升及銀行之間的定期存款競爭放緩。恆生銀行將會做適量的對沖,增加金融投資組合的年期,並繼續發展非利息收入業務。
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.