智通财经APP获悉，摩根士丹利发布研报称，建设银行(00939)管理层表示，消费贷款、按揭及大型企业贷款的收益率正趋于稳定，若2026年贷款市场报价利率(LPR)没有大幅下调，收益率可望维持稳定。大摩维持建行“增持”评级，目标价9.5港元。
该行预期，建设银行2026年净息差收窄幅度将收窄，压力主要集中在第一季度贷款重定价时期。约六成按揭贷款将于2026年1月1日重定价，管理层认为2026年净利息收入有望转为正增长，这将支持收入增长。该行表示，经定期重估物业价格后，按揭贷款的贷款价值比率超过40%，对目前按揭贷款的信贷质素感到满意。管理层表示，对目前的不良贷款覆盖率感到满意，并愿意在收入趋于稳定的情况下，逐步释放拨备以支持利润。
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