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畢馬威:持續低息環境將影響港銀淨息差
畢馬威發表本港銀行業報告,並首次涵蓋虛擬銀行,指去年虛擬銀行錄得客戶存款160億元,整體稅前虧損24億元。存款中以ZA Bank的60.37億元居首,首次為Mox的51.94億元。去年稅前虧損最大為Mox的4.56億元,其之為Livi Bank的4.38億元。

對於本港銀行業表現,畢馬威中國香港金融服務合夥人馬紹輝(Paul McSheaffrey)指,持續低息環境將影響淨息差,不過相信本港銀行業市場仍吸引及具競爭力,其中有多間虛擬銀行投入服務可見一斑。

至於「理財通」對本港銀行業的正面影響,馬紹輝指相信短期內不會有重大盈利貢獻,相信開通初期或產生問題,亦對產品有所限制,相信需待至長期發展及有更多產品,才會見對港銀的正面影響。

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