美國次按問題對本港銀行帶來挑戰

February 5, 2008 at 11:42 pm | Posted in economy | Leave a comment
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美國次按問題對本港銀行帶來挑戰,金管局預期08年在次按第二輪影響及內地宏調政策下,銀行的信貸資產可能惡化,即使去年銀行的特定分類貸款比率(次級、 呆滯及虧損)創有紀錄以來低位,金管局副總裁蔡耀君表示,不排除今年的比率將上升,他拒絕預測上升的水平,相信與97年金融風暴發生時的1.99%,相距 一定的水位。

金管局昨日回顧及展望銀行業的工作及挑戰,去年首3季整體零售銀行的本地貸款增長(表),淨息差有改善,由1.8%擴至1.86%,惟營運成本顯著上升,但因利息及非利息收入增加,抵銷了營運成本上升,促使銀行首3季錄得強勁的盈利增長。

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