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畢馬威料銀行淨息差可能已見底
畢馬威報告顯示,香港銀行對2022年財務業績的展望更趨於樂觀,主要是由於利率回升有助改善息差,「跨境理財通」等業務逐步落實帶來新的增長機會,非利息收入也有望提升。畢馬威預計,銀行淨息差可能已見底,隨着通脹率擡頭,2022年有可能面臨多次加息,貸款業務仍具韌力,樂觀的經濟情緒將轉化爲貸款業務的穩步增長。報告顯示,香港銀行普遍審慎關注內地房地產行業所面對的信貸挑戰,不過信貸違約的影響尚有待觀察。 畢馬威中國金融服務業合夥人馬紹輝表示,自2021年下半年開始,金融服務業人才供應便開始急劇減少,其客戶表示,人才短缺和吸引專才的困難比以往幾年都更加嚴重,吸引和保留人才將成爲銀行首要任務。 畢馬威中國香港區中資金融機構主管合夥人方海雲表示,在香港經營業務的中國內地銀行期望在2022年增加手續費和傭金收入,尤其是因爲它們擁有龐大的零售客戶基礎,然香港中資銀行的風險偏好在去年有所下降,但他們仍在開拓新的收入來源,並嘗試提升數碼化及其內地與香港業務之間的聯動。 畢馬威表示,大部分虛擬銀行仍在苦苦探索明確的盈利發展模式,及尋找以較低成本獲取客戶的方法,並面對着來自傳統銀行更激烈的競爭,因爲傳統銀行也加強了自身的數碼化產品種類。
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