青島銀行(002948.SZ):本行涉美貿易結算佔比相對較低
格隆匯4月10日丨青島銀行(002948.SZ)在互動平臺表示,(1)本次美國對包括中國在內的多個國家加徵不合理關稅,我們認爲短期會對外貿進出口產生一定衝擊,長期來看會加速產業鏈重塑升級,企業“出海”需求將日益增加,對商業銀行來說挑戰中蘊含着機遇。就本行而言,本次加徵關稅對本行業務的影響相對有限,從國際結算業務規模看,本行涉美貿易結算佔比相對較低,涉美業務集中度不高,對涉美資產業務的影響有限,部分客戶已採取拓展新渠道、平攤關稅成本等應對措施,影響範圍相對有限。本行將持續關注外部政策變化,集中精力做好自己的事情,做好外貿企業金融服務工作,助力全省對外貿易高質量發展。 (2)2024年度,本行始終踐行質效優先的高質量發展理念,業務規模和經營業績穩健增長,全面深化降本增效,一方面在保障人員和科技等相關費用合理支出的同時,持續提升運營效率,科學壓降運營成本;另一方面,本行持續加強對資產質量的管控,資產質量持續穩中向好,2024年信用減值損失實現同比下降,同時本行持續提升風險抵禦能力,2024年末撥備覆蓋率241.32%,比上年末提高15.36個百分點。
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