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花旗:港银资产质素稳定 行业首选渣打(2888.HK)
格隆汇 08-18 16:21

花旗发表研究报告指,香港本地银行的资产质素稳定,今年拨备减少,明年亦将温和复苏。在行业当中,该行首选为渣打(2888.HK),其次汇控(0005.HK)及中银香港(2388.HK),然后是恒生银行(0011.HK)。

花旗表示,在资产质素方面,渣打银行今年的资产质素情况令人惊喜,并预料下半年贷款损失将持续改善,其不良贷款覆盖率亦是香港银行当中最高。汇丰银行就仍面临不利的拨备情况,贷款损失指引为80亿至130亿美元,基本上与今年的不利因素基本相符。在宏观经济下行下,汇丰和恒生第二级的贷款拨备增幅最大,按半年比增加约一倍,而渣打在第二阶段就只增加了8%。预期信贷损失(ECL)的敏感性反映出,其下行空间受到经济下行的限制。

该行指,汇丰的不良贷款形成风险更大,该行的次级及高风险第二阶段贷款覆盖率亦较低,预计其第三阶段的拨备将保持目前的水平。

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