惠譽上調招行(03968.HK)評級至BBB+展望穩定
評級機構惠譽發表報告,將招商銀行(03968.HK)(600036.SH)長期本外幣發行人違約評級(IDR),由「BBB」上調至「BBB+」,並確認其他三家內地中型商業銀行的IDR為「BBB」,所有評級展望均為「穩定」。該三家銀行分別為中信銀行(00998.HK)(601998.SH)、光大銀行(06818.HK)(601818.SH)及浦發銀行(600000.SH)。以惠譽準則,「BBB」及「BBB+」均屬於投資級別。
報告稱,上述所有銀行的IDR都建基於國家支持,及位處其支持評級底線(SRF),反映惠譽認為在壓力情境下,該等銀行有望獲得來自中央政府提供特別支持的持續預期。
惠譽表示,上調招行評級反映其系統重要性趨升,受到其零售存款市佔持續高於同業的支持,在零售銀行市場具領導地位。報告料招行規模及零售強勁表現強化其戰略重要性,在緊張情境下獲國家支持的傾向增加。內地政府展示支持零售存款的強烈意願。招行是全國最大股份制商業銀行,以資產及零售存款計,規模屬全國第七大。該行去年擁有逾1.25億名零售客戶,屬股份制銀行首位;一半以上的貸款和三分之一以上的存款來自零售銀行業務。
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