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bsp; 　　瑞银发布研报称，将恒生银行（00011）评级由“中性”降至“沽售”，目标价由112港元下调至102港元。瑞银指，恒生上半年净利润同比大跌34.6%，信用成本创新高，导致业绩逊于瑞银及市场预期。管理层在业绩会议中维持审慎态度，指引下半年预期信用损失（ECL）将与上半年相若，意味2025全年信用成本可能超过100个基点。　　考虑到香港商业地产的风险敞口为恒生带来的拨备压力，将2

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