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大马国行维持利率不变 银行业赚幅收缩风险降低

2013/9/9 15:09:27来源:联合早报 浏览 1 次我要评论(0) 字体:T | T

导语:分析员指出,大马国家银行(BNM)维持利率不变,有助缓和国内银行业者净利息赚幅(NIM)恶化的情况,更指利率每下调25个基点,银行净利将受2至4%冲击。

  分析员指出,大马国家银行(BNM)维持利率不变,有助缓和国内银行业者净利息赚幅(NIM)恶化的情况,更指利率每下调25个基点,银行净利将受2至4%冲击。

  国行昨日宣布维持隔夜政策利率(OPR)在3%,艾芬投资研究认为,这将减低净利息赚幅恶化的风险。

  今年首半年,大马银行业者的经利息赚幅已从去年杪的2.48%,滑落至2.44%。

  该行预期,今年净利息赚幅将萎缩10至12个基点,跌至2.36至2.38%的水平内。

  “市场竞争趋缓,但业者仍需面对更多的融资规范,加上他们现有的贷款到期日已提高至平均6至12个月,未来将面临融资成本提高的压力。”

  安联冲击最大

  分析员指出,每当国行将利率上调25个基点,净利息赚幅则将再萎缩5至10个基点,造成净利受到2至4%的影响。

  “紧缩货币政策和市场竞争加剧,将影响银行的信贷扩张,更打击净利息收入增长。”

  在这情况下,安联金融(AFG,2488,主板金融股)所受冲击最为显着,因该银行有89.6%的贷款是浮动利率;而大马银行(AMBANK,1015,主板金融股)则是冲击最小者,只有55.8%的未偿还贷款为浮动利率。

  无论如何,尽管激烈的领域竞争当前,政府强稳的发展政策将激励国内生产总值(GDP)增长,进一步带动银行业者表现,获分析员维持“增持”投资评级。

  同时,该行的银行首选股头衔则落在联昌国际(CIMB,1023,主板金融股)上,看好该银行在东协的投资银行和债务资本市场的潜能。
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