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　　摩根士丹利发布研究报告称，予中信银行（00998）“与大市同步”评级，目标价4.5港元。该行表示，信行资产质量持续改善，不良贷款率按季下降1个百分点至1.16%。

　　报告中称，中信银行去年第四季营收年增长稳定在3.6%，较第三季的6.3%有所放缓。全年收入为2，136.46亿人民币，较去年同期增长3.76%。税前盈利及税后净利的趋势有所改善，分别较去年同期增长16.6%及

　　7.5%，可能是由于一些拨备回拨所致。资产增长由第三季1.7%回升至第四季的2.9%。

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