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恆生(00011.HK):上半年房地產貸款佔比15% 不排除下半年提高撥備
阿思達克 07-30 13:31
恆生銀行(00011.HK)公佈中期業績,執行董事兼行政總裁施穎茵指,基於上半年貿易關稅及房地產市場承壓等因素,該行增加撥備以抵禦未來的不確定性,因而令溢利有所下降。她指相關因素是週期性的,強調該行只是未雨綢繆,但認爲不確定性或於下半年持續,如經濟和市場未有進一步復甦,不排除下半年進一步提高撥備。她又指,上半年不良貸款比率6.69%,雖然較去年底上升,但升幅有所放緩,撥備亦沒有影響派息,該行財政依然穩健。 該行上半年淨息差(NIM)下降30個基點至1.99%,淨利息收入下降7%。施穎茵指,該行淨息差仍然高於市場平均水平,非利息收入上升34%亦有助抵消利息收入下降的影響,而且核心業務仍然有增長動能。 至於本港房地產市場敞口,施穎茵表示上半年相關貸款佔比約15%,當中有抵押的貸款比例約63%,其餘37%的貸款大部分來自大型企業,有多元化收入來源,財務穩健,而抵押品加撥備的覆蓋率超過100%。風險監控及合規總監張家慧補充,房地產相關貸款總額約1,240億元,又透露該行有出售部分債務予第三方,但數量不大。 施穎茵強調,該行與客戶有多年關係,支持客戶的目標不變,亦與客戶保持溝通,除非已用盡所有手段,纔會觸發「Call Loan」等情況。她又提到重整業務架構計劃已告一段落,雖然有部分職位受影響,但同時亦因應市場情況增加職位,涉及財富管理、客戶體驗等範疇。
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