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惠譽授予陽信銀行評等 ‘A-(twn)’; 展望穩定
December 15, 2016 / 8:45 AM / a year ago

惠譽授予陽信銀行評等 ‘A-(twn)’; 展望穩定

(The following statement was released by the rating agency) TAIPEI, December 15 (Fitch) 惠譽國際信用評等公司今日授予台灣陽信商業銀行(陽信銀行)國內長期評等 ‘A-(twn)’與國內短期評等 ‘F2(twn)’。評等展望穩定。詳細的評等結果列示於本新聞稿末。 陽信銀行創始於1957年,原為信用合作社,提供台北地區社員所需之金融服務,在改制後該行轉為小型民營銀行,目前共有103間分行遍布全國。該行的主要業務為房貸與中小 企業放款,兩者分別佔總放款35%與41%。陽信銀行為民營銀行,其董事長陳勝宏家族掌控多數股權。 評等理由 國內評等 評等考量陽信銀行中等的信用體質,反映其約當同業水準的獲利表現與較同業良好的資產品質。評等抵減因素主要包含該行侷限的市場地位、略低於同業的資本緩衝以及不動產相關曝 險的集中度。惠譽預期,陽信銀行健全的內部資本創造能力與放緩的資產成長,將有助該行在2017至2018年持續強化其資本水位。 評等展望穩定係由於惠譽預期陽信銀行的各項財務指標在2017至2018年將持續維持適切。惠譽預估該行的信用成本將隨台灣經濟成長疲弱與房地產市場走軟而溫和上升,然而 其穩定的淨利差收益與手續費收入成長將有助於吸收相關損失。 陽信銀行現任的經理團隊在2009年接任經營後採取多項改革措施,包含設置信用風險管理制度、改善風險控管機制與清理舊有不良放款,並將策略聚焦於分行周邊金融服務與中小 企業放款。上述計劃促使該行近年來降低信用成本並提升獲利。 該行2016年上半年的年化資產報酬率約為0.7%,相較於2015年的0.6%與2013年的0.3%。惠譽預期陽信銀行的惠譽核心資本比率將由2013年底的6.2% 於2016年底提升至接近9%的水準。儘管如此,惠譽預期該行的惠譽核心資本比率將維持低於其他受評同業的平均值10%。 評等敏感性 國內評等 評等調升受限於該行侷限的市場地位與較為集中的曝險。然而,若該行的成長明顯超越其內部資本形成的速度,以致弱化其資本與資金體質,惠譽可能採取負向評等行動。此外,若資 產品質因較寬鬆的授信標準或房地產市場發生無預警的大幅度修正而顯著惡化,亦可能對其評等造成壓力。 註:此為中文譯本,若與原英文版本有任何出入,請以英文版為準。 評等結果列示如下: 陽信銀行 國內長期評等授予'A-(twn)'/評等展望穩定; 國內短期評等授予'F2(twn)'。 Contact: Primary Analyst Cherry Huang, CFA Director +886 2 81757603 Fitch Australia Pty Ltd, Taiwan Branch Suite 1306, 13F, Tun Hwa N. Rd., Taipei Secondary Analyst Shirley Hsu Associate Director +886 2 8175 7606 Committee Chairperson Parson Singha Senior Director +66 2108 0151 Media Relations: Wai-Lun Wan, Hong Kong, Tel: +852 2263 9935, Email: wailun.wan@fitchratings.com. 編輯附註:惠譽國內評等係依該市場需求或於主權評等相對較低的國家中,提供各受評機構相對信用品質指標。該國國內信用風險最低者,其評等為‘AAA’,該國其餘受評機構或 債券之評等即以此作為相對衡量基準。國內評等主要提供予該國市場之國內投資人參考使用,並加註受評機構所屬國家的專屬標記以茲識別,如‘AAA(twn)’即為台灣之國內 評等。因此,不同國家之國內評等無法跨國比較。 Additional information is available on www.fitchratings.com Applicable Criteria Global Bank Rating Criteria (pub. 25 Nov 2016) here National Scale Ratings Criteria (pub. 30 Oct 2013) here Additional Disclosures Solicitation Status here Endorsement Policy here ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: here. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEB SITE AT WWW.FITCHRATINGS.COM. 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