畢馬威香港銀行2018年錄強勁盈利增長惟今年淨息差或有所收窄
畢馬威發表最新《香港銀行業報告》,當中指出香港銀行業在2018年業績表現強勁,資本和流動性均表現穩健,盈利能力亦有所提升。所有持牌銀行的總資產增長達3.6%,而2017年的增幅為8.1%。所有持牌銀行扣除減值準備前之經營利潤錄得15%增長,高於2017年13%的增幅,由2017年的2,340億元增長至2018年的2,680億元。
鑑於香港金融管理局上調基準利率,受訪持牌銀行的平均淨息差(NIM)上升11個基點至1.75%。香港十大註冊銀行的平均淨息差由2017年的1.54%上升至2018年的1.69%。十大本地持牌銀行中有九間的淨息差均取得增幅。
畢馬威中國香港銀行業與資本市場主管馬紹輝(Paul McSheaffrey)表示,經過多年的息差縮減或停滯不前,美國和香港於2018年開始加息,帶動香港銀行錄得更強勁的收入。然而,近期環球不確定性影響市場情緒加上利率不太可能進一步上漲,部分改善的淨息差可能在2019年有所收窄。
在成本方面,畢馬威預測2019年銀行為推高盈利能力將增加在科技上的投資,以創新帶來業務增長和達到可持續地降低營運成本。科技創新成為香港銀行業日益重要的策略重點。香港金融管理局迄今已批出8個虛擬銀行牌照。虛擬銀行在初期所提供的服務將專注於零售客戶和中小型企業,預期這些服務將在短期變得更加成熟,並促使傳統銀行採取行動,將有助創造一個更具競爭力和創新性的市場環境。
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