中新网香港12月31日电 香港金融管理局31日表示，2025年11月份香港认可机构存款总额按月上升 0.7%，其中港元存款及外币存款分别上升0.2%及1.1%。 12月31日，香港金融管理局表示，2025年11月份香港认可机构存款总额按月上升0.7%。图为香港金融 管理局。(资料图) 中新网记者 李志华 摄 另外，截至2025年11月30日，香港外汇基金总资产为41069亿港元，较上月底减少107亿港元，其中外币 资产减少99亿港元，港元资产减少8亿港元。 数据显示，由年初截至11月底计，存款总额及港元存款分别上升10.5%及3.4%。香港人民币存款于11月 份上升0.6%，为10020亿元人民币；跨境贸易结算的人民币汇款总额于11月份为10330亿元人民币，而 10月份为10066亿元人民币。 香港金融管理局表示，外币资产减少，主要是因为已购入但未结算证券的月底余额减少，但有关减幅因 发行数码绿色债券及人民币特区政府机构债券所得的款项、来自投资的利息收入及投资按市价重估而被 部分抵销。港元资产减少，主要是因为香港股票按市价重估。(完) ...

Group 1 - The total assets of Hong Kong's foreign exchange fund as of October 31, 2025, amounted to HKD 41,176 billion, a decrease of HKD 346 billion compared to the end of September 2025 [1][3] - The decrease in Hong Kong dollar assets was primarily due to a reduction in the month-end balance of subscribed but unsettled foreign exchange fund notes and bonds, as well as a revaluation of Hong Kong stocks [1] - The increase in foreign currency assets was attributed to a rise in the month-end balance of purchased but unsettled securities and interest income from investments [1] Group 2 - The monetary base in Hong Kong as of the end of October 2025 was HKD 20,267 billion, reflecting an increase of HKD 65 billion or 0.3% from the end of September 2025 [1][3] - The increase in the monetary base was mainly due to a rise in the total amount of liability certificates and the amortization of discounts on issued foreign exchange fund notes and bonds [1] - The total deposits of recognized institutions in Hong Kong decreased by 0.4% in October 2025, with Hong Kong dollar deposits and foreign currency deposits decreasing by 0.9% and 0.1%, respectively, reflecting corporate fund flows [3]

Group 1: Monetary Supply and Deposits - In October, the Hong Kong dollar money supply M2 and M3 both decreased by 0.6%, but increased by 3.5% compared to the same period last year [1] - Seasonally adjusted M1 money supply rose by 1.7% in October, with a year-on-year increase of 12.2%, reflecting investment-related activities [1] - Total money supply M2 and M3 fell by 0.3% in October, while year-on-year, M2 and M3 increased by 10.6% [1] - Total deposits from recognized institutions decreased by 0.4% in October, with Hong Kong dollar deposits and foreign currency deposits falling by 0.9% and 0.1% respectively, mainly reflecting corporate fund flows [1] - From the beginning of the year to the end of October, total deposits and Hong Kong dollar deposits increased by 9.7% and 3.1% respectively [1] - Renminbi deposits in Hong Kong decreased by 0.6% in October, totaling 996.2 billion RMB at the end of the month [1] - Cross-border trade settlement in Renminbi totaled 1,006.6 billion RMB in October, down from 1,123.2 billion RMB in September [1] Group 2: Loans and Advances - Total loans and advances decreased by 0.7% in October, but increased by 0.9% from the beginning of the year to the end of October [2] - Loans used in Hong Kong (including trade financing) and loans used outside Hong Kong fell by 0.9% and 0.2% respectively in October [2] - The loan-to-deposit ratio for Hong Kong dollars remained stable at 73.6% at the end of October, as the decline in Hong Kong dollar loans was similar to that of Hong Kong dollar deposits [2]

Group 1: Monetary Supply - In September, the Hong Kong dollar money supply M2 and M3 both increased by 1.4%, with a year-on-year increase of 4.5% [1] - The seasonally adjusted M1 money supply decreased by 1.4% in September, but showed an 11.5% increase compared to the same month last year, reflecting investment-related activities [1] - The total money supply M2 and M3 rose by 1.3% in September, with both M2 and M3 showing an 11.1% year-on-year increase [1] Group 2: Deposits - The total deposits of recognized institutions increased by 1.3% in September 2025, with Hong Kong dollar deposits and foreign currency deposits rising by 1.4% and 1.3% respectively [1] - From the beginning of the year to the end of September, total deposits and Hong Kong dollar deposits increased by 10.2% and 4.1% respectively [1] - Renminbi deposits in Hong Kong rose by 3.5% in September, reaching 1,001.8 billion yuan by the end of September [1] Group 3: Loans and Advances - The total amount of loans and advances increased by 0.7% in September, with a year-to-date increase of 1.6% [2] - Loans used in Hong Kong (including trade financing) and loans used outside Hong Kong rose by 0.6% and 0.7% respectively in September [2] - The loan-to-deposit ratio for Hong Kong dollars decreased from 74.6% at the end of August to 73.6% at the end of September due to the increase in Hong Kong dollar deposits without significant changes in loans [2]

Group 1 - The total deposits of authorized institutions in Hong Kong increased by 0.2% in July 2025, with HKD deposits decreasing by 2.0% and foreign currency deposits rising by 1.9%, reflecting corporate fund flows [1] - As of the end of July, RMB deposits in Hong Kong rose by 6.4% to 938.2 billion RMB, primarily due to corporate fund flows [1] - The total amount of cross-border trade settlement in RMB for July was 1,244.3 billion RMB, up from 1,223.5 billion RMB in June [1] Group 2 - The total amount of loans and advances decreased by 1.1% in July, but increased by 1.3% year-to-date as of the end of July [1] - The loan-to-deposit ratio for HKD increased from 72.0% at the end of June to 73.1% at the end of July due to a larger decline in HKD deposits compared to HKD loans [1] - The M2 and M3 money supply in HKD both decreased by 1.8% in July, while year-on-year comparisons showed increases of 6.2% [2] Group 3 - Seasonally adjusted M1 money supply in HKD fell by 2.3% in July, but increased by 18.5% compared to the same month last year, reflecting investment-related activities [2] - The total money supply (M2 and M3) increased by 0.1% in July, with year-on-year increases of 10.8% for both M2 and M3 [2] - Monthly monetary statistics may be influenced by various short-term factors, such as seasonal funding demands and business-related activities, necessitating careful interpretation of the data [2]

Group 1 - The total deposits of recognized institutions in Hong Kong increased by 0.9% in June 2025, with HKD deposits decreasing by 0.9% and foreign currency deposits rising by 2.4%, reflecting corporate fund flows [1] - In the first half of 2025, total deposits and HKD deposits increased by 7.6% and 7.0% respectively, while RMB deposits fell by 9.6% to 882.1 billion RMB by the end of June [1] - Cross-border trade settlement in RMB totaled 1,223.5 billion RMB in June, up from 1,123.6 billion RMB in May [1] Group 2 - The total amount of loans and advances increased by 1.1% in June 2025, with a 2.5% increase in the first half of the year [1] - Loans used in Hong Kong (including trade finance) and loans used outside Hong Kong rose by 0.9% and 1.8% respectively in June [1] - The loan-to-deposit ratio for HKD increased from 70.5% at the end of May to 72.0% at the end of June due to a decrease in HKD deposits [1] Group 3 - In June, the HKD money supply M2 and M3 both decreased by 0.8%, but increased by 8.4% compared to the same period last year [2] - Seasonally adjusted HKD money supply M1 rose by 4.4% in June, reflecting a 23.7% increase year-on-year, partly due to investment-related activities [2] - The total money supply M2 and M3 both increased by 0.8% in June, with year-on-year increases of 11.5% for both M2 and M3 [2]

Core Insights - The Hong Kong banking system remains robust with ample capital and liquidity as of Q1 2025 [1][2] - Retail banking operating profit before tax increased by 15.8% year-on-year, driven by growth in foreign exchange and derivative income, as well as fees and commissions [1] - The net interest margin for retail banking narrowed to 1.51% from 1.53% in the same period last year [1] Loan and Deposit Trends - Total loans in the Hong Kong banking sector increased by 0.6% year-on-year, with loans used in Hong Kong and outside Hong Kong rising by 0.8% and 1.1% respectively [1] - Trade financing saw a decline of 4.7% year-on-year [1] - Total deposits increased by 3.5% year-on-year, with Hong Kong dollar deposits and US dollar deposits rising by 5.1% and 1.7% respectively [1] Asset Quality and Liquidity - The specific classified loan ratio in the Hong Kong banking system slightly increased from 1.96% at the end of Q4 2024 to 1.98% at the end of Q1 2025 [2] - The average liquidity coverage ratio for Class 1 institutions was 182.5%, significantly above the 100% regulatory minimum [2] - The total capital ratio for locally registered authorized institutions was 24.2% as of March 2025, well above the 8% international minimum requirement [2]