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標普料渣打(02888.HK)全年盈利微跌 有能力應對環境不確定性
阿思達克 08-01 16:12
評級機構標普認爲,渣打集團(02888.HK)穩健的風險管理,有助應對美國貿易政策帶來的高度不確定性,嚴格的風險偏好和穩定的內部資本生成,亦支持其信用品質。該行指,地緣政治緊張與香港商業地產市場持續承壓仍構成挑戰,但集團多元業務模式與廣泛國際網絡,能有效緩解貿易緊張直接衝擊,並降低對單一貿易走廊依賴。此外,其香港商業地產敞口有限且抵押品充足,可應對該市場疲弱。 標普指,集團上半年財務表現稍勝預期,但該行料集團全年盈利將輕微下跌,主要因香港、新加坡、韓國及中國內地等主要市場利率下行,令息差承壓,加上重組計劃相關成本將暫時影響下半年盈利。 標普料未來兩年渣打的信用品質和資本充足率都大致穩定,預測2025至26年新增貸款損失撥備佔貸款總額0.25%至0.3%;截至2025年6月底,普通股一級資本比率爲14.3%,而截至去年底爲14.2%。
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