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《公司專訪》大新銀行(02356.HK)電子渠道私貸佔整體20% 續推數碼化
阿思達克 05-20 16:16
大新銀行(02356.HK)總經理及零售銀行處副主管鄧子健接受本網訪問時表示,去年該行私人貸款錄得低單位數增長,表現跑贏同業,去年市場上私人貸款錄得雙位數倒退。今年首四個月行業私人貸款跌幅較去年放緩,該行今年目標則是錄得正增長。

他指,在新型肺炎疫情下,私人貸款生態亦發生變化,例如稅單延遲發出,令往時最遲於2月截止的稅務貸款申請,今年亦延長至6月,他預計是次稅務貸款按年表現持平,而受惠於貸款成本下降,是次稅貸利率已較去年減價30點子。

該行3月起推出息率低至1.68厘的「快應錢」貸款服務,鄧子健指主要針對專業人士,相關人士信貸風險較低,但在疫情期間亦有資金需求,相關貸款平均貸款額高於整體平均的25萬元,惟未有透露具體金額。

隨著該行推出數碼化進程,鄧子健指現時私人貸款之中20%透過電子渠道進行,相關佔比近年增長迅速。由於申請程序更加便利,該行今年首季信用卡發卡量按年增長超過20%。鄧子健指,該行下一步將提升分行及電話銷售的數碼化進程,現時大新於本港共有44間分行。

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