建行(00939.HK)料下半年淨息差受LPR下調影響較小
建設銀行(00939.HK)首席財務官生柳榮表示,貸款市場報價利率(LPR)下調對淨息差有一定壓力,具體幅度視乎不同銀行產品期限結構。由於建行貸款重定價集中在上半年,今年下半年淨息差受LPR下調影響相對較小,預料可以與存款利率下行影響大致相互抵銷。
生柳榮表示,是次存款利率下調的更大影響主要體現在明年,實際利率的下降幅度可能會小於掛牌利率的下降幅度。
對於人行早前提到按市場化原則進重新商定存量按揭貸款利率,他指,對後續銀行淨息差會有影響,由於相關細則仍未公布,各銀行仍在溝通,目前較難測算,整體而言料會有下行壓力。
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