德勤:疫情考驗銀行業韌性 應積極大膽制定變革計劃
德勤發佈《2022年全球銀行業及資本市場展望》報告,指出最近兩年新冠肺炎疫情對全社會的反覆影響,不斷考驗着銀行業的韌性,銀行如今在面對疫情相關挑戰時信心更足。
報告分析,全球各地區銀行業復甦趨勢並不平衡。2021年上半年,亞太及歐洲地區銀行繼續增加貸款損失儲備金,亞太地區首100間銀行的儲備金額高達1,250億美元;歐洲首100間銀行增加250億美元的儲備金﹔相反,美國首100間銀行則在同一時期釋放出240億美元的貸款損失儲備金,加拿大亦是如此。
德勤全球金融服務行業研究中心銀行及資本市場研究主任Val Srinivas表示,儘管2022年利率可能會有所上升,但短期低利率將使利息收入/淨息差繼續承壓。交易收入和收費業務增長所帶來的非利息收入有機會出現更明顯的回升之勢,營業收入實現整體增長。如今銀行應更積極大膽制定變革計劃,配合相應的步調和規模,着力取得實質性進展。
德勤中國銀行業及資本市場主管合夥人(中國大陸)郭新華稱,站在2022年的起點,全球對環境、社會和公司治理(ESG)的重視和價值認可程度達到前所未有的高度,這也爲銀行業塑造出真實且有競爭優勢的新形象,並創造絕佳的機會。全球銀行業從最初受疫情打擊,到恢復和形成發展韌性,進而樹立全新的發展理念,及後必將因此而變得更加強大。
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