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英金融監管局要求銀行月內就儲蓄存款利率未跟隨加息作解釋
阿思達克 08-02 15:51
英國金融行為監管局要求當地銀行及建屋合作社本月底前向當局解釋為何儲蓄利率低企,否則面臨制裁。當局發現9大主要存款服務提供者,在2022年1月至今年5月期間,平均僅把28%加息傳導致容易接觸的存款服務上,通知期及定期存款的加息傳導比率則為51%,當中小型銀行加息傳導至存款利率的比例較高。 當局指,5間持有共2,600億英鎊易達儲蓄賬戶的銀行,僅提供1厘或以下利息,該等銀行會成為執行目標。當局表明不預期所有加息均傳導至存戶手中,基於歷史上有關息差約2厘。英倫銀行目前基本利率為5厘,市場預期英倫銀行本周再加息四分一厘。 該9間主要存款服務提供者包括萊斯銀行、匯控(00005.HK)、國民西敏寺銀行、桑坦德英國、巴克萊、全英房屋抵押貸款協會、TSB銀行、Virgin Money UK及合作銀行。
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