恆生鄭慧敏:暫未有裁員或凍薪計劃 仍需時觀察紓緩措施對資產質素影響
恆生銀行(00011.HK)早前因應疫情帶來的影響而推出紓緩措施。行政總裁鄭慧敏在網上會議表示,由於推出紓緩措施的時間很短,因此暫未看到使用率及客戶反應,仍需要長些時間才能看到措施會否對資產質素等方面帶來影響。她坦言,若是次新型冠狀病毒的情況如當年SARS時般只維持短時間,相信對業務的影響輕微;但若持續至下半年則會對整體經濟有影響,銀行的預期信貸損失(ECL)亦會因而受壓,要密切觀察疫情變化。
她又指,很多客戶受疫情影響都選擇留在家中,承認在分行的交易的確減少,這亦與該行關閉30個網點有關。但她留意到客人使用線上銀行服務有增長趨勢,2月份與1月份相比,線上銀行的交易有雙位數增長。另外,2月份申請線上銀行的人數,以平均每日計算,有26%的增長。她強調,雖然目前使用分行服務的人減少,但沒有減少分行的計劃,強調該行的目標是要全方位服務客人。
鄭慧敏提到,員工是公司的重要資產,在去年相當具挑戰的時刻,亦是有賴員工的努力而帶來穩健的業績。雖然今年的經營環境尚未好轉,但暫時公司未有裁員或高層員工凍薪的計劃。事實上,一些熱門的部門例如資訊科技等,有一直持續聘請人手。公司會按照業務發展,來作增聘人手的決定。
她預料,疫情會對該行內地業務帶來影響,但由於內地業務的佔比很小,相信不會對公司整體業績有太大影響。
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