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李令翔:銀行成本增加按息正常 @ 2013-03-09T05: Back Hot News
Keyword:渣打 按息 息差 按揭 洪丕正
Concept:銀行按揭 , 香港3月8日
核心提示:政府辣招遏樓市,或加重真正用家壓力。渣打香港行政總裁洪丕正在業績簡報會上表示,金管局將按揭風險加權比率下限由10%升至15%,將令按揭成本上升20至25個點子,最終導致樓按息口上升,長期而言會轉嫁至客戶。個人銀行業務主管禤惠儀稱,將視乎市場情況調整按揭利率,目前尚未決定是否加息。
渣打(02888-HK)香港行政總裁洪丕正表示,新造按揭風險加權資產比率上調至15%,另按揭成本上升20-25點子,該行短期尚未決定是否上調按息,需視乎市場環境及客戶反映。但他指,成本上升加之巴塞爾三下資本壓力,長期無可避免將推高按息。該行個人銀行業務主管禤惠儀指,去年香港按揭增長11%,今年或有跌至單位數,但言之尚早。
洪丕正解釋,去年渣打香港的淨息差收窄,主要由於去年首3季的存款成本上升,加上存款增幅高於貸款增幅,令淨息差受壓,但強調該行大部分產品,如按揭、信用卡及中小企貸款的淨息差沒大變化,隨去年尾至今年初市場上的流動資金增多,銀行間的存款競爭有所緩和,因此相信今年淨息差將保持平穩。

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