中銀香港(02388.HK)下半年淨息差及資產質素仍存在挑戰
中銀香港(02388.HK)風險總監卓成文於電話會議上表示,由於新型肺炎疫情仍未結束,下半年挑戰仍然嚴峻。他指該行客戶中,貿易、航空及酒店等六類較受疫情影響的客戶貸款約1,600億元,佔整體貸款約10%。另外大型企業貸款佔整體貸款達91.4%,較受影響的中小企則僅佔8.6%,其中不良貸款率亦僅得0.25%,並有充足撥備覆蓋。
副總裁王兵相信,該行全年仍可達成中高單位數貸款增長目標。財務總監隋洋則表示,淨息差下半年將繼續受壓,主要由於低息環境及疫情對經濟影響,將透過市場定價等抵銷部份淨息差負面影響。
上半年中銀減少派息,對於全年派息,隋洋指將平衡股東利益及經營狀況,並指現時下半年經營不確定因素仍較大。
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