香港金管局，辟谣！

Core Viewpoint - The Hong Kong Monetary Authority (HKMA) has denied rumors regarding the establishment of a "bad bank" to manage non-performing loans, stating that there are no such plans among banks and that the overall health of the banking sector is stable [1][2]. Group 1: HKMA's Response - The HKMA emphasized that it has consistently required banks to manage credit risks prudently, and the banking sector's balance sheets are healthy with sufficient provisions [1]. - The HKMA reported that the loan loss coverage ratio exceeds 140%, indicating strong profitability and risk management within the banking sector [1]. Group 2: Banking Sector Performance - As of the first quarter of 2025, the total loans in the Hong Kong banking sector increased by 0.6%, while total deposits rose by 3.5% [2]. - The loan-to-deposit ratio decreased from 57.0% at the end of Q4 2024 to 55.5% at the end of Q1 2025 [2]. - The specific classified loan ratio slightly increased from 1.96% at the end of Q4 2024 to 1.98% at the end of Q1 2025, with credit card and residential mortgage delinquency rates remaining low at 0.37% and 0.13%, respectively [2]. Group 3: Liquidity and Capital Ratios - The average liquidity coverage ratio for Class 1 institutions was reported at 182.5%, significantly above the statutory minimum requirement of 100% [2]. - As of March 31, 2025, the total capital ratio for locally registered authorized institutions was 24.2%, well above the international minimum requirement of 8% [2].