金管局:港銀對恆大(03333.HK)風險敞口不高 惟信貸風險環境仍具挑戰性
金管局發表銀行業回顧,去年本港銀行貸款量按年下跌3.6%,其中貿易融資及香港以外使用的貸款分別下跌13.1%及10.4%。至於住宅按揭貸款升2.5%。
於去年,本港銀行業稅前經營溢利增長按年62.1%,淨息差為1.68%。金管局副總裁阮國恆表示,若未來息口下跌,雖然會對銀行息差造成壓力,但亦會增加客戶還款能力、有助財富管理業務及銷售等,因此整體影響仍有待評估。
截至去年9月底,銀行業特定分類貸款比率1.61%,2022年為1.4%;當中內地特定分類貸款比率2.68%,2022年為2.26%。
對於中國恆大(03333.HK)被高等法院頒令清盤對港銀影響,金管局副總裁阮國恆表示,港銀對恆大風險敞口不高,當局早前已要求銀行加強對高槓桿內地民企的風險管理並減低相關風險敞口,銀行之後亦已作撥備。由於相關監管工作已進行一段時間,銀行對高槓桿內房風險敞口水平已相對較低,加上銀行盈利能力強,有能力吸收相關撥備,金管局相信銀行能管理有關風險。
阮國恆表示,內房問題未解決,信貸風險環境仍有挑戰性,銀行業特定分類貸款比率未來有上升壓力。今年金管局工作重點之一是審慎監管工作,包括密切監察資產質素及貸款撥備、對流動性及市場風險維持有效監管、落實與2023年歐美銀行業動盪相關的跟進工作。
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