德勤中國統計:內銀上半年平均淨息差2.18%
德勤中國統計,今年首六個月,境內銀行平均淨息差爲2.18%,按年下降6個基點,境內銀行減值損失合計6,085.23億人民幣,按年減少4.57%。該行預計,下半年境內銀行息差仍面臨一定下行壓力,但有望逐步企穩。
德勤表示,截至今年6月底境內銀行資產總額合計173萬億人民幣增幅5.96%,境內銀行平均不良貸款率爲1.3%,較年初下降9個基點。
德勤中國表示,短期經濟復甦無虞,預計中國經濟全年有望增長8.2%,人民幣匯率仍處於歷史較強水平,給寬鬆的貨幣政策提供條件,料中國可以允許匯率適當貶值,例如5%至7%,來提供寬鬆的貨幣環境,並提高出口企業競爭力。該行認爲,2021年7月央行實施的超預期全面降準,並將堅持穩健貨幣政策,這些將正面影響銀行業盈利。
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