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...
Source Link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...
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