毕马威香港银行2018年录强劲盈利增长惟今年净息差或有所收窄
毕马威发表最新《香港银行业报告》，当中指出香港银行业在2018年业绩表现强劲，资本和流动性均表现稳健，盈利能力亦有所提升。所有持牌银行的总资产增长达3.6%，而2017年的增幅为8.1%。所有持牌银行扣除减值准备前之经营利润录得15%增长，高於2017年13%的增幅，由2017年的2,340亿元增长至2018年的2,680亿元。
监於香港金融管理局上调基准利率，受访持牌银行的平均净息差(NIM)上升11个基点至1.75%。香港十大注册银行的平均净息差由2017年的1.54%上升至2018年的1.69%。十大本地持牌银行中有九间的净息差均取得增幅。
毕马威中国香港银行业与资本市场主管马绍辉(Paul McSheaffrey)表示，经过多年的息差缩减或停滞不前，美国和香港於2018年开始加息，带动香港银行录得更强劲的收入。然而，近期环球不确定性影响市场情绪加上利率不太可能进一步上涨，部分改善的净息差可能在2019年有所收窄。
在成本方面，毕马威预测2019年银行为推高盈利能力将增加在科技上的投资，以创新带来业务增长和达到可持续地降低营运成本。科技创新成为香港银行业日益重要的策略重点。香港金融管理局迄今已批出8个虚拟银行牌照。虚拟银行在初期所提供的服务将专注於零售客户和中小型企业，预期这些服务将在短期变得更加成熟，并促使传统银行采取行动，将有助创造一个更具竞争力和创新性的市场环境。
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