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渣打(02888.HK):下半年息差正面影響更強 料資產負債表不會快速擴張
阿思達克 07-29 16:50
渣打(02888.HK)亞洲區財務總監華實廉表示,預期淨息差上升對下半年業務的帶動作用更強,正面影響能維持兩年時間,但在外圍環境波動下,不預期資產負債表會快速擴張。 香港區行政總裁禤惠儀表示,隨著美國加息,本港銀行上調最優惠利率(Prime Rate)是合理預期,不過加息時間需視乎美國最終加息速度和本行銀行流動性。 對於中小型銀行相繼上調H按鎖息上限。禤惠儀指,目前一個月本港銀行同業拆息(HIBOR),已觸及鎖息上限,若HIBOR長期處於高水平,需要上調H按鎖息上限,目前該行正就此積極研究。她指出,香港住宅按揭負資產個案很少,買家亦有實力,該行審批按揭貸款時亦有進行壓力測試保障安全。 禤惠儀指,第一季香港業務受疫情影響須關閉分行,經營環境困難,但第二季業務出現反彈,第三季勢頭良好,預期往後外圍波動性持續,但能受惠於利率上升。她指出,香港關口對外開放十分重要,希望港府有清晰通關路線圖,另外人才短缺並非本港獨有問題,該行正積極招聘人手並訓練非銀行業人士成為銀行從業人員。
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