匯控(00005.HK):第二級貸款不代表違約 對行業中長期前景樂觀
近期有傳媒報道有關香港商業房地產信貸質素,匯豐控股(00005.HK)表示,被歸類為第二級(Stage 2)的貸款不代表違約,也並非信貸質素的絕對指標。因外部事件和市場狀況令第二級貸款增加乃常見情況,但最終未有導致違約。
集團指,在香港160年,一直有參與商業房地產行業發展。儘管非住宅物業供應過剩對市場帶來短期壓力,但相信政府近期減少賣地措施,可支持行業的中期復甦。集團表示,對市場長遠供求情況依然保持信心,並對行業中長期前景感到樂觀。
集團指,與去年同期相比,集團在香港的商業房地產貸款組合質素保持穩定,據2025年上半年中期報告,剔除對內地借款人的敞口後,73%香港商業房地產貸款和預付款被歸類為「滿意」或更高級別。在27%被歸類為「低於標準」或「信貸減值」的貸款中,超過80%貸款價值比(loan-to-value ratio)少於70%。
同時,42%的無抵押貸款中,近95%的貸款被歸類為「穩健」或「良好」,且減值情況極少。這些貸款通常提供給實力雄厚且多元化的企業集團。值得注意的是,這些借款人在2025年上半年已償還10億美元貸款。(ca/u)
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