评级机构标普认为，渣打集团(02888.HK) 稳健的风险管理，有助应对美国贸易政策带来的高度不确定性，严格的风险偏好和稳定的内部资本生成，亦支持其信用品质。该行指，地缘政治紧张与香港商业地产市场持续承压仍构成挑战，但集团多元业务模式与广泛国际网络，能有效缓解贸易紧张直接冲击，并降低对单一贸易走廊依赖。此外，其香港商业地产敞口有限且抵押品充足，可应对该市场疲弱。
标普指，集团上半年财务表现稍胜预期，但该行料集团全年盈利将轻微下跌，主要因香港、新加坡、韩国及中国内地等主要市场利率下行，令息差承压，加上重组计划相关成本将暂时影响下半年盈利。
标普料未来两年渣打的信用品质和资本充足率都大致稳定，预测2025至26年新增贷款损失拨备占贷款总额0.25%至0.3%；截至2025年6月底，普通股一级资本比率为14.3%，而截至去年底为14.2%。(ss/da)(港股报价延迟最少十五分钟。沽空资料截至 2025-08-01 12:25。)
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