瑞银发表研究报告，预计HIBOR将在第三季底稳定在2%至2.5%。在中短期(3至6个月)内，中银香港仍是该行所覆盖的香港银行股首选，但预计短期内股价可能有所回落。该行对中银香港和东亚银行持“中性”评级，对恒生银行评级则为“沽售”。 瑞银指，虽然HIBOR反弹有利于银行的净息差和净利息收入，但认为市场已预期HIBOR在今年余下时间稳定在2%至2.5%。该行预计第三季净利息收入的压缩压力将高于第二季，因为第二季的负面影响仅持续约一个月，且随着利率上升，贷款需求可能再次疲软。该行认为在5至6月贷款余额增长2%后，增长势头能否持续仍需观察。对于2025年的预测，该行预计中银香港、恒生银行和东亚银行的净利息收入将分别下降7%、9%和11%。
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