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金管局:港銀首三季稅前溢利按年跌12%
金管局發表最新的銀行業概況,今年首三季,本港零售銀行整體除稅前經營溢利按年減少11.7%,主要原因是呆壞帳準備金增加以及收費及佣金收入減少,但部分跌幅被淨利息收入上升所抵銷。至於淨息差擴闊至1.17%,去年同期則為0.98%。
報告指,本港銀行業貸款總額在第三季減少1.5%。銀行業存款保持穩定,存款總額第三季增加0.3%,其中美元存款增加4%,港元存款則減少2.7%。
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第三季為156.3%,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9月底為19.9%,遠高於8%的國際最低要求。
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