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恆生(00011.HK)料下半年淨息差或有所改善
阿思達克 02-22 17:30
被問及部分分行因應疫情暫停營業對業務影響,恆生(00011.HK)執行董事兼行政總裁施穎茵表示,目前疫情嚴峻,但銀行在經過兩年疫情時間已做好準備,包括不同配套和技術支援、員工彈性上班安排等。另外,逾九成員工亦已經接種疫苗,人手配套充裕,因此周四推行疫苗通行證後,旗下14間在商場的分行營運不會受影響。 施穎茵在記者會上指,市場預期美國會加息至少5次,相信會為今年淨利息收入帶來正面因素。至於本港樓市走勢取決於供應及需求、市場預期的息率走勢,各國進入加息周期或短期影響樓市,但如果經濟持續復甦,相信可以抵銷有關影響。 財務總監梁永樂指,目前市場認為美國加息機會大,而香港銀行體系總結餘處於高水平,反映市場流動性充裕,因此港息跟加美息會有延後效應,今年第一、二季因為外圍息口增加而令港息增加的壓力不大,但當下半年港息或會跟隨後,屆時淨利息收益率會有所改善,淨利息收入亦會有所提升。 梁永樂提到,目前的預期信貸損失是基於去年12月對經濟環境及評估,要視乎疫情等發展才能確定信貸損失會否上升。 對於總減值貸款較2020年底增加82%至104.29億元,梁永樂指,增加的其中一個原因是來自內地房地產公司客戶,而總減值貸款中有60多億元的貸款有抵押品,27億元已作第三階段撥備,小部分貸款則要經正常還款或收帳行為,以取回目前未撥備的款項,整體風險可控。
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