安融（香港）评级确认渣打银行（中国）有限公司“A+”国际评级；展望:稳定
安融（香港）评级确认渣打银行（中国）有限公司“A+”国际评级；展望:稳定
2025年1月17日，中国香港。安融（香港）评级确认渣打银行（中国）有限公司（简称“渣打银行”）的长期主体评级为“A+”，展望为“稳定”。
评级结果肯定了渣打银行在国际贸易融资和跨境银行业务等方面具有竞争优势，资产规模逐年增长，2023年该行获得非金融企业债务融资工具一般主承销资格，业务领域进一步丰富，风险管理体系有助于资产质量水平的把控，资本充足性相关指标水平较好。同时，安融（香港）评级也关注到环境政策的实施可能影响银行的盈利水平，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，且由于人员成本较高，渣打银行运营成本较高等风险。
关键评级观点
优势
渣打银行在国际贸易融资和跨境银行业务等方面具有竞争优势；
渣打银行资产规模逐年增长；
2023年该行获得非金融企业债务融资工具一般主承销资格，业务领域进一步丰富；
渣打银行的风险管理体系有助于资产质量水平的把控；
渣打银行资本充足性相关指标水平较好。
关注
境政策的实施可能影响银行的盈利水平；
渣打银行利息净收入在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；
由于人员成本较高，渣打银行运营成本较高。
评级展望
预计未来，渣打银行将保持稳健发展，维持良好的综合实力。综合考虑，安融（香港）评级给予渣打银行的信用评级展望为稳定。
注：
1、上述评级均为主动评级。
2、本文译自英文版新闻稿。若有分歧，以英文版为准。
专案组组员
林芮礽，分析师
评审委员会主任
胡超
Huchao@arrating.com
媒体联系
complaints@arrating.com
评级服务联系
林芮礽
相关信用评级委员会召开日期：2025年1月17日
若欲获取进一步的信息，敬请访问www.arrating.com
相关的评级方法和模型
《银行业信用评级方法和模型》（2024年11月28日）
免责条款
本次评级依据评级对象已经正式对外公布的信息，相关信息的合法性、真实性、完整性、准确性和及时性由评级对象及其信息发布方负责。安融(香港)评级按照相关性、及时性、可靠性的原则对评级信息进行了审慎分析，但对上述信息的合法性、真实性、完整性、准确性和及时性不作任何保证。评级结果未考虑无法获取的可能对信用等级有重要影响的非公开数据。
本报告对评级对象信用状况的任何表述和判断仅作为相关决策参考之用，并不意味着安融(香港)评级实质性建议任何使用者据本报告采取投资、借贷和交易等行为，也不能作为使用者购买、出售或持有相关金融产品的依据。在任何情况下，安融(香港)评级、安融(香港)评级董事、股东、雇员、代表不对任何投资者（包括机构投资者和个人投资者）使用本报告所表述的安融(香港)评级的分析结果而出现的任何损害、开支、费用或损失承担任何责任，亦不对被评对象或其发行人使用本报告或将本报告提供给其他方所产生的任何后果承担任何责任。
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.