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招行(03968.HK)彭家文:息差仍有下行空間 料短期內財務續承壓
阿思達克 10-31 11:32
招商銀行(03968.HK)擬任副行長彭家文在2023年度第三季度業績說明會上表示,由於息差收窄趨勢還會延續、資本市場仍處於低迷狀態,疊加相關降費政策對銀行收入端帶來的影響,認為銀行財務層面短期內還會承受一定壓力,但從長遠來看,有信心能保持一個長期穩健的發展態勢。 彭家文表示,判斷接下來息差還有往下探底的可能性,一方面LPR下調及資產供求關係影響帶來的資產端定價下行仍然會持續;另一方面,從負債端看,雖然存款利率下調,但由於存款結構的變化,使得存款成本仍相對剛性。 彭家文指,存量房貸利率下調的影響仍會持續,又指9月只是影響了一個階段,但對第四季度、對明年都是一個持續的影響,這一塊相對而言還會繼續加大息差的壓力。他透露,招行提前還貸的高峰是在今年3月,存量房貸利率下調後,目前提前還貸的量已經減少差不多一半,但是跟之前正常的月份相比,提前還貸的量還是偏多。 他表示,總體來判斷,存量房貸利率下調是有助於減少提前還貸的量,但是從目前來看,還沒有完全恢復到正常的狀態,相信會逐步地回到正常的狀態。。
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