恆生(00011.HK):港下半年大機會上調最優惠利率
恆生銀行(00011.HK)執行董事兼行政總裁施穎茵指,各項主要經濟及市場指標顯示,下半年經營環境仍然充滿挑戰,會密切留意各項外圍風險,包括內地商業房地產市場之發展、通脹、商品價格上升,以及疫情變化。
施穎茵提到,市場利率上升有助提高淨利息收益率,對賺取利息業務的正面因素開始出現。恆生期望可以盡快通關及恢復跨境活動,以進一步刺激社會經濟。
息口方面,施穎茵指,美國聯儲局預計利率年底升至3厘或以上,而本港何時加息要視乎利率走勢、套息活動、銀行體系結餘下跌速度等,相信若本港加息,較有機會發生在第四季。
恆生財務總監梁永樂補充指,目前本港約90%按揭已去到封頂息率,造成資金成本壓力,相信本港下半年很大機會上調最優惠利率。而儲蓄利率亦有可能上調,但兩者利率上升速度和時間會不同。
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