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財經地產- 中行業績勝預期 @ 2014-03-27T07: Back Hot News
Keyword:中行
Concept:今年中行息差 , 銀行2013年
【個股信息】中行(03988-HK)優先股有需求 料境內外淨息差呈分化
期內,中行淨息差擴闊9個基點至2.24%。岳毅解釋,去年境外淨息差擴闊,加上內地調高存款息率,帶動整體淨息差改善。他對於今年的淨息差持樂觀態度,預期在全球經濟復蘇下,美國有意提早加息,將令境外機構淨息差進一步擴闊。不過,岳毅表示,由於內地進行利率市場化,令境內存款息率上升,內地淨息差或受壓。他續指,該行海外資產占比較高,利率市場化對其影響較少,預期今年淨息差將優於市場。同時,岳毅表示,中行將加大中小企及個人貸款比重,減少對淨利息收入的依賴。
不過副行長岳毅指出,2013年淨息差的改善是優化信貸結構、降低負債成本等工作的綜合結果,相信2014年隨著境內貸款成本上升,息差會面對壓力,由於中行的海外資產占比較高,同時中間業務收入占比高達30%,受到利率市場化影響較小,也有比較扎實的市場化經營基礎,相信今年中行息差將繼續跑贏同業。

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