大行评级丨高盛：工行、建行、交行上季业绩符合预期，上调H股目标价

中金财经04-07

高盛发表研报指，工商银行、建设银行、交通银行和邮储银行公布去年第四季业绩，符合预期，平均收入及盈利分别按年增长2%及2%。当中，虽然贷款增长放缓，但受净息差按季回稳支持，净利息收入按年持平，非利息收入亦好过预期。不过，拨备有所增加，不良贷款形成率上升，不良贷款拨备覆盖率持续下降，零售资产质量压力持续，非按揭零售贷款快速增长可能构成潜在风险。　　高盛微调工商银行、建设银行及交通银行的盈利预测...

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