Core Viewpoint - The Hong Kong residential property market is stabilizing, with a slight increase of 1% in relevant indices over the first nine months of the year, while the commercial property market continues to face challenges [1] Banking Sector - The risks in the banking sector are deemed "fully controllable," with banks having made significant provisions and maintaining a capital adequacy ratio exceeding 21%, well above the international standard of 8% [1] - The Hong Kong Monetary Authority (HKMA) has been closely monitoring the overall stability of the banking sector, which has a risk exposure primarily directed towards financially sound large local enterprises [1] Real Estate Development - The risk exposure for local small and medium-sized property developers and investors includes those with weaker financial conditions or higher debt-to-asset ratios, but banks have already implemented credit risk mitigation measures for these loans, most of which are secured by collateral [1] - There is no excessive concentration of loans to any single borrower within the banking sector [1]
香港金管局余伟文：香港商业地产市场仍面临一些挑战 但风险可控
Zhi Tong Cai Jing·2025-11-04 02:24