建行(00939.HK)料全年淨利息收益率將回到較合理水平
建設銀行(00939.HK)中期純利按年增長11.4%至1,533億元人民幣(下同),管理層於電話會議上表示,去年純利基數較低,因此錄得較高增長。管理層預期,全年業績表現仍會穩中向好,配合內地經濟復甦步伐,可預期有較好利潤增長。期內淨利息收益率較去年同期收窄,管理層指是由於環球宏觀經濟環境,整個行業亦面對同一問題。下半年該行將優化資產負債結構,料全年淨利息收益率可回復至較合理水平。
管理層並指,該行投放於小微企業及普惠金融的貸款金額已經很高,因此難再有大幅增長。向普惠金融投放貸款達80億元,利率定價亦於較低的4.17%,按年下降19點子,並低於企業貸款及整體貸款的分別4.3%及4.68%定價。該行亦對風險實行智能管理,料小微企業及普惠金融的不良率不會超過1.5%,介乎1.3%至1.5%之間。
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