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金管局:去年港銀除稅前經營溢利升19%
金管局於年報表示,面對各項挑戰,去年香港銀行應付裕如,資本及流動性狀況繼續保持充裕。年內銀行體系面對的信貸風險增加,但整體資產質素維持於健康水平。零售銀行盈利按年改善。 年報顯示,銀行體系的特定分類貸款比率由2021年底的0.89%上升至2022年底的1.38%,逾期及經重組貸款比率於同期由0.56%升至0.85%。中國內地相關貸款的特定分類貸款比率於2022年底為2.21%,亦較2021年底的0.89%上升。截至去年底,銀行信貸撥備覆蓋率約維持於80%,反映銀行撥備充足。 金管局指,去年零售銀行的整體除稅前經營溢利上升19%。盈利改善是受惠於淨利息收入及外匯與衍生工具收入增加,但部分升幅被呆壞帳準備金增加及費用與佣金收入減少所抵銷。在加息環境下,淨息差由上一年的0.98%擴闊至2022年的1.31%。至於零售銀行成本與收入比率由2021年的54.7%,降至2022年的48%。
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