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恆生梁永樂:派息須就多項因素作審視 貸款政策一向保守
阿思達克 02-18 17:43

恆生銀行(00011.HK)財務總監梁永樂在網上會議表示,長遠而言,公司希望派息能穩步增長,但在短期要視乎不同因素,包括當年回報能力、未來的經濟情況、監管要求的變化及公司發展策略等。公司每年都會謹慎地對此作出審視,來決定當年派息。

他提到,預期信貸損失(ECL)的評估是在基於經濟師對未來的經濟預測所作出,當中包括多項參數,例如GDP增長、樓價及失業率等。由於目前新型冠狀病毒疫情僅發展一至兩個月,仍要密切留意參數變化及市場的經濟預測。至於會否因而令該行減少貸款,他坦言該行在貸款上一向採取保守態度,會審視客戶的信用以及抵押品質素才決定借貸,會一直維持此方針。

他指出,淨息差的表現波動性大,看到去年第四季有所回落,主要是受到同業在定期存款競爭加大,以及孳息曲線倒掛情況所影響。但他留意到今年1月份的淨息差表現較去年下半年為高,形容有不同因素影響淨息差表現,要密切留意。

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