本港首季零售銀行稅前經營溢利按年降27.2%
金管局6月號季報顯示,儘管第五波疫情帶來挑戰,香港銀行體系在今年第一季維持穩健。銀行的資本及流動性狀況保持良好。特定分類貸款比率微升,但以歷史及國際標準計仍維持在健康水平。
期內,零售銀行整體除稅前經營溢利按年減少27.2%,主要原因是收費及傭金收入減少,以及持有作交易的投資虧損增加。呆壞帳準備金亦按年增加,但部分跌幅被外匯及衍生工具業務收入上升所抵銷。與2021年相比,零售銀行淨息差大致保持穩定,爲0.98%。
銀行業貸款總額在首季上升1.2%,其中在香港使用的貸款及貿易融資分別上升1.4%及9.6%,在香港境外使用的貸款則微跌0.4%。中國內地相關貸款按年增加3.3%至4.88萬億元(佔資產總額的16.2%)。
銀行業存款保持穩定,存款總額在首季增加1.1%,其中港元存款增加2.2%。
銀行體系的特定分類貸款比率由上一季的0.88%上升至2022年首季末的0.98%。中國內地相關貸款的特定分類貸款比率亦由0.86%上升至1.15%。同期,信用卡貸款拖欠比率由0.20%微升至0.26%,住宅按揭貸款拖欠比率則大致穩定,僅處於0.04%。
銀行體系的流動性及資本維持充裕。第1類機構的平均流動性覆蓋比率在今年第一季爲155%,遠高於100%的法定最低要求。本地註冊認可機構的總資本比率在今年3月底爲19.7%,遠高於8%的國際最低要求。
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