中國幾間最大的銀行預示著即將來臨的艱難時期

Recently Yahoo News on-line reported the following:

China's largest banks signal tough times ahead

Tue, March 29, 2022, 1:46 AM

SHANGHAI (Reuters) - Three of China's largest banks have said that the country's lenders face multiple headwinds this year that include the pandemic, global politics and domestic turmoil in the real estate industry.

China's banking industry is facing "a more complicated and severe business environment," the country's second-biggest lender by assets China Construction Bank Corp (CCB), said on Tuesday.

"The global epidemic will continue to recur, the easing policies of developed economies will be withdrawn, geopolitical conflicts will intensify," Bank of China (BoC), the country's fourth-largest bank by assets, also said on Tuesday.

Meanwhile, the president of China's Bank of Communications Co Ltd (BoCom), on Friday said it would be difficult for the bank to deliver satisfactory earnings this year.

China has been battling a resurgence in COVID infections in some of its largest cities, which has led to partial and full-scale lockdowns which analysts say will be a drag on the economy.

The main impact on banks will be "rising loan delinquencies among service sectors," said Nicholas Zhu, a banking analyst at Moody's.

"These industries include wholesale and retail, leisure travel and other consumer discretionary services," he added.

The banks' warnings about the difficult outlook came alongside full-year net profit figures from the three lenders that beat estimates.

At BoC, profit for the full year increased 12.3% to 216.6 billion yuan, above a Refinitiv estimate of 199.1 billion yuan from 17 analysts. It was the same story at CCB, where net profit for the full year increased 11.6% to 302.5 billion yuan, compared with a Refinitiv estimate of 293.1 billion yuan from 21 analysts.

The non-performing loan ratio at CCB fell to 1.42% at year-end compared with 1.51% three months ago, while at BoC it was 1.33% by year-end, compared with 1.29% end of September.

The net interest margin, a key gauge of bank profitability, stood steady at 1.75% from the previous three months for BoC, while at CCB it dropped to 1.94% at the end of the year from 2.12% three months earlier.

($1 = 6.3673 Chinese yuan renminbi)

(Reporting by Zhang Yan, Engen Tham; Editing by Kirsten Donovan, Louise Heavens and Jane Merriman)

Translation

上海（路透社）- 中國最大的三家銀行表示，中國的貸方今年面臨多重不利因素，包括疫情、全球政治和國內房地產行業的動盪。

中國按資產計算的第二大銀行中國建設銀行（CCB）週二表示, 中國的銀行業務正面臨“更加複雜和嚴峻的商業環境” 。

中國銀行（按資產計中國第四大銀行）週二也表示 “全球疫情將繼續復發，發達經濟體的寬鬆政策將退出，地緣政治衝突將加劇” 。

與此同時，中國交通銀行股份有限公司 (BoCom) 行長周五表示，該銀行今年很難實現令人滿意的收益。

中國一些大城市一直在與新冠病毒感染病例的死灰復燃作鬥爭，這導致部分和全面封鎖，分析人士稱這將拖累經濟。

穆迪銀行分析師 Nicholas Zhu 表示，對銀行的主要影響將是“服務行業的貸款拖欠率上升”。

他補充說:“這些行業包括批發和零售、休閒旅遊和其他非必需消費服務，”。

銀行對艱難前景發出警告的同時，三家銀行的全年淨利潤數據超出預期。

在中行，全年利潤增長 12.3% 至 2,166 億元人民幣，高於 Refinitiv 17 位分析師估計的 1,991 億元人民幣。建行的情況也是如此，全年淨利潤增長 11.6% 至 3,025 億元，相對 Refinitiv 的 21 位分析師的估計 2,931 億元。

建行的不良貸款率從三個月前的 1.51% 下降到年底的 1.42%，而中行的不良貸款率從 9 月底的 1.29% 下降到年末的 1.33%。

淨息差是衡量銀行盈利能力的關鍵指標，中行的淨息較前三個月穩定在 1.75%，而建行則從三個月前的 2.12%降至年底的 1.94%。

So, three of China's largest banks have said that the country's lenders face multiple headwinds this year which include the pandemic, global politics and domestic turmoil in the real estate industry.