畢馬威中國:兩地通關及放寬入境限制有助提振香港銀行業
畢馬威中國發表《2023年香港銀行業展望》報告,指出內地與香港兩地恢復通關及放寬防疫限制,是香港銀行業邁向復常的重要一步,而中內地地金融改革亦將鞏固香港作為國家金融中心的地位。
畢馬威中國銀行業及資本市場香港主管合夥人宋家寧表示,在香港方面,防疫限制自2022 年下半年起逐步放寬,成為市場重要的推動力,隨著今年1月所有旅遊限制和社交隔離措施取消,銀行業界現時對前景趨於樂觀,憧憬年內業務可真正恢復。
不過該行認為,息口上升雖為銀行業帶來更高的淨息差,但隨著經濟前景轉淡,行業未來一年仍將更加關注如何縮減開支,以降低可持續成本收入比,並提升盈利能力,預期銀行業今年仍將持續面對環球經濟環境的挑戰,例如高息口、通脹升溫以及縮減開支的需要。
另外,近年中國銀行業改革陸續奏效,國際銀行正在內地尋覓新機遇,在內地的外資銀行已能提供更多產品種類,同時不少發牌程序亦更簡化,不過新法規下合規成本上升,亦將為外資銀行在保持盈利能力和增長勢頭方面帶來挑戰。
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