金吾财讯 | 内银股板块走强，截至发稿，重庆农村商业银行（03618）涨4.39%，招商银行（03968）涨3.51%，郑州银行（06196）涨2.91%，贵州银行（06199）涨2.70%，中信银行（00998）涨2.28%，中银香港（02388）涨2.17%。消息面上，摩根士丹利鉴于净利差（NIM）回升较预期早、资产负债表增长适度、手续费收入增长稳健以及未来几年预期信贷成本降低，该行上调8只在港上市内银股目标价。摩根士丹利指出，尽管资产负债表扩张速度放缓，但去杠杆举措降低了中长期风险，并有助于信贷成本随时间推移逐步下降。此外，去杠杆促进了更可持续的金融体系建设，并支持贷款收益率和银行股本回报率（ROE）逐步回升，这两项指标目前仍低于支撑长期可持续发展的水平。这一点在宏观经济放缓背景下，贷款市场报价利率（LPR）及贷款收益率下限维持稳定中可见一斑，这些因素有助于稳定中国银行业的净利差。该行对贷款及金融资产收益率逐步回升充满信心，结合信贷成本逐步下降，将支撑主要银行利润增长温和回升。
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