安融（香港）評級確認渣打銀行（中國）有限公司“A+”國際評級；展望:穩定
安融（香港）評級確認渣打銀行（中國）有限公司“A+”國際評級；展望:穩定
17 1 2025
2025年1月17日，中國香港。安融（香港）評級確認渣打銀行（中國）有限公司（簡稱“渣打銀行”）的長期主體評級為“A+”，展望為“穩定”。
評級結果肯定了渣打银行在國際貿易融資和跨境銀行業務等方面具有競爭優勢，资产规模逐年增长，2023年該行獲得非金融企業債務融資工具一般主承銷資格，業務領域進一步豐富，風險管理体系有助於資產品質水準的把控，资本充足性相关指标水平较好。同時，安融（香港）評級也關注到環境政策的實施可能影響銀行的盈利水準，渣打银行净利息收入在2023年小幅下降，与中国大陆本土银行相比，渣打银行资产规模很小，且由于人員成本較高，渣打銀行運營成本較高等風險。
關鍵評級觀點
優勢
渣打银行在國際貿易融資和跨境銀行業務等方面具有競爭優勢；
渣打銀行資產規模逐年增長；
2023年該行獲得非金融企業債務融資工具一般主承銷資格，業務領域進一步豐富；
渣打银行的風險管理体系有助於資產品質水準的把控；
渣打银行資本充足性相關指標水平较好。
關注
境政策的實施可能影響銀行的盈利水準；
渣打銀行利息淨收入在2023年小幅下降；
与中国大陆本土银行相比，渣打银行资产规模很小；
由於人員成本較高，渣打銀行運營成本較高。
評級展望
預計未來，渣打銀行將保持穩健發展，維持良好的綜合實力。綜合考慮，安融（香港）評級給予渣打銀行的信用評級展望為穩定。
注：
1、上述評級均為主動評級。
2、本文譯自英文版新聞稿。若有分歧，以英文版為准。
專案組組員
林芮礽，分析師
評審委員會主任
胡超
Huchao@arrating.com
媒體聯繫
complaints@arrating.com
評級服務聯繫
林芮礽
相關信用評級委員會召開日期：2025年1月17日
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相關的評級方法和模型
《銀行業信用評級方法和模型》（2024年11月28日）
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ARHK Affirms ‘A+’ International Rating to Standard Chartered Bank (China) Limited, Outlook Stable
17 January 2025
Hong Kong, January 17, 2025. ARHK has affirmed an international scale long-term issuer credit rating of ‘A’ to Standard Chartered Bank (China) Limited, with a stable outlook.
The rating results confirm
Standard Chartered Bank's competitive advantage in areas such as international trade financing and cross-border banking business, with asset size growing year by year. In 2023, the bank obtained the general underwriting qualification for non-financial corporate debt financing instruments, further enriching its business areas. Its risk management system helps control the quality of assets, and the capital adequacy-related indicators are at a good level. Meanwhile, ARHK also notes that the implementation of environmental policies may affect the bank's profitability. Standard Chartered Bank's net interest income slightly declined in 2023, and compared to mainland Chinese banks, Standard Chartered Bank's asset size is very small, and due to high personnel costs, Standard Chartered Bank's operating costs are higher, among other risks.
KEY RATING PERSPECTIVES
Strengths
Standard Chartered Bank has competitive advantages in areas such as international trade financing and cross-border banking business;
Standard Chartered Bank's asset size grows year by year;
In 2023, the bank obtained the general underwriting qualification for non-financial corporate debt financing instruments, further enriching its business areas;
Standard Chartered Bank's risk management system helps control the quality of assets;
Standard Chartered Bank's capital adequacy-related indicators are at a good level.
Weaknesses
The implementation of environmental policies may affect the bank's profitability;
Standard Chartered Bank's net interest income slightly declined in 2023;
Compared to mainland Chinese banks, Standard Chartered Bank's asset size is very small;
Due to high personnel costs, Standard Chartered Bank's operating costs are higher.
RATING OUTLOOK
It is expected that Standard Chartered Bank will maintain stable development and maintain good comprehensive strength in the future. Taking all factors into consideration, ARHK assigns a stable outlook to the credit rating of Standard Chartered Bank (China) Limited.
NOTE:
1. The above ratings are all unsolicited credit ratings.
2. The Chinese version of this article is translated from the English version of the press release. In case of discrepancies, the English version shall prevail.
ANALYST CONTACTS
Analyst
Lam Yui Ying
Committee Chair
James Hu
Media Contact
Rating Services Contact
Lam Yui Ying
Date of Relevant Rating Committee: 17 January 2025
Additional information is available on www.arrating.com
Related Criteria
Sovereign Credit Rating Methods and Models (28 November 2024)
DISCLAIMER
This rating is based on information officially released to the public by the rated objects. The legality, authenticity, completeness, accuracy, and timeliness of the relevant information are the responsibility of the rated objects and its information publishers. ARHK has conducted a prudent analysis of the rating information based on the principles of relevance, timeliness, and reliability, but does not guarantee the legality, authenticity, completeness, accuracy, and timeliness of the above information. The rating results did not take into account non-public information that may have a significant impact on the credit rating and could not be obtained.
Any statements and judgments regarding the credit status of the rated objects in this report are only for reference in relevant decision-making and do not imply that ARHK substantively recommends any user to invest, borrow or lend money, and trade based on this report, nor can they be used as a basis for users to purchase, sell, or hold related financial products. Under no circumstances shall ARHK, as well as its directors, shareholders, employees, or representatives be liable for any damages, expenses, costs, or losses incurred by any investor (including institutional and individual investors) as a result of using the analysis results presented in this report, nor shall they be liable for any consequences arising from the use of this report by the rated objects or their issuers or providing this report to other parties.