高盛发表研究报告指，港银的同业拆息持续处于低位，与美元利率差距较大。由于约一半的银行体系存款及贷款为港元，另约30%至40%为美元，其余则为其他货币，若将这个组合应用于香港本地银行的盈利，并考虑到港银同业拆息相对较大的跌幅，将令净息差和拨备前经营溢利风险上升。
该行表示，注意到银行已因同业拆息下跌而调低定期存款利率。在利率未变的情况下，CASA比率约为40至50%，而整个定期存款重新定价需时3至6个月。不过，与港银同业拆息挂钩的香港按揭贷款及本地企业贷款将于一个月内重新定价，从而增加第二季及第三季净息差不足的风险。该行维持汇控(00005.HK) 的“买入”评级及东亚银行(00023.HK) 的“沽售”评级。(sl/u)(港股报价延迟最少十五分钟。沽空资料截至 2025-06-06 16:25。)
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