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《大行報告》瑞信引述匯控指有力藉現金賬戶增存款 現ROTE較上次較孳息曲線同水平時高400個基點
阿思達克 09-21 10:33
瑞信發表報告表示,匯豐控股(00005.HK)行政總裁祈耀年出席一個論壇表示,由於業務形態不同,指匯豐銀行目前有形股本回報率(ROTE)能夠比上次孳息曲線處於此水平時高出400個基點,並重申今年成本增長控制在2%內的指引,受惠2022年節省10億美元成本。 祈耀年稱匯豐銀行目前有形股本回報率(ROTE)能夠比上次孳息曲線處於此水平時高出400個基點,是因在更高的收費收入、資本效率、風險加權資產優化、緊縮成本、降低非經常性費用和控制信貸風險所推動,並指匯豐銀行能夠通過活期賬戶增加存款,而不是向存款作出支付,指現在看到利率正常化水平的上行空間。 英國樓市前景方面,祈耀年認爲今年年底或明年初會出現疲軟,但他指匯豐銀行的平均按揭成數(LTV)較低,並且偏向於擔保貸款(與同行相比,出租物業按揭貸款水平也較低),指集團處於有利地位。
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