恒生梁永乐:派息须就多项因素作审视 贷款政策一向保守
恒生银行(00011.HK)财务总监梁永乐在网上会议表示,长远而言,公司希望派息能稳步增长,但在短期要视乎不同因素,包括当年回报能力、未来的经济情况、监管要求的变化及公司发展策略等。公司每年都会谨慎地对此作出审视,来决定当年派息。
他提到,预期信贷损失(ECL)的评估是在基於经济师对未来的经济预测所作出,当中包括多项参数,例如GDP增长、楼价及失业率等。由於目前新型冠状病毒疫情仅发展一至两个月,仍要密切留意参数变化及市场的经济预测。至於会否因而令该行减少贷款,他坦言该行在贷款上一向采取保守态度,会审视客户的信用以及抵押品质素才决定借贷,会一直维持此方针。
他指出,净息差的表现波动性大,看到去年第四季有所回落,主要是受到同业在定期存款竞争加大,以及孳息曲线倒挂情况所影响。但他留意到今年1月份的净息差表现较去年下半年为高,形容有不同因素影响净息差表现,要密切留意。
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