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香港银行股午后走高 渣打汇丰扣非后业绩均超预期 银行总结余下降将逐步推高拆息
Zhi Tong Cai Jing· 2025-08-07 06:41
Core Viewpoint - Hong Kong bank stocks have risen in the afternoon trading session, with Standard Chartered, HSBC, and Hang Seng Bank reporting better-than-expected half-year results, driven by strong non-interest income, despite ongoing risks in the banking sector [1] Group 1: Stock Performance - Standard Chartered Group (02888) increased by 4.09%, trading at 147.7 HKD - East Asia Bank (00023) rose by 2.32%, trading at 12.78 HKD - HSBC Holdings (00005) gained 1.96%, trading at 98.9 HKD - Hang Seng Bank (00011) increased by 1.77%, trading at 115.1 HKD [1] Group 2: Financial Performance - HSBC and Standard Chartered reported better-than-expected results after excluding non-recurring items, with strong non-interest income supporting revenue growth [1] - However, the overall risk in the Hong Kong banking sector remains, with low HIBOR leading to a decline in interest margins, negatively impacting net interest income in Q2 [1] Group 3: Credit Demand and Real Estate - Hong Kong's credit demand remains weak, with both Standard Chartered and HSBC experiencing a quarter-on-quarter contraction in local loans for Q2 [1] - The non-performing loan ratio in Hong Kong's commercial real estate sector has increased quarter-on-quarter, indicating ongoing pressure in the real estate industry [1] Group 4: Currency Intervention - On August 6, the Hong Kong Monetary Authority (HKMA) intervened by buying 8.439 billion HKD due to the Hong Kong dollar reaching the weak end of its peg against the US dollar [1] - The bank's total reserves are expected to decrease to 64.062 billion HKD on August 8, marking the fourth intervention by the HKMA in seven days [1] - The HKMA indicated that further interventions will occur if the weak end of the peg is triggered again, which may gradually increase interbank rates as total reserves decline [1]
港股异动 | 香港银行股午后走高 渣打汇丰扣非后业绩均超预期 银行总结余下降将逐步推高拆息
智通财经网· 2025-08-07 06:40
Group 1 - Hong Kong bank stocks rose in the afternoon, with Standard Chartered Group up 4.09% to HKD 147.7, East Asia Bank up 2.32% to HKD 12.78, HSBC Holdings up 1.96% to HKD 98.9, and Hang Seng Bank up 1.77% to HKD 115.1 [1] - HSBC and Hang Seng reported better-than-expected first-half results, with Standard Chartered and HSBC's non-interest income showing strong performance, supporting revenue growth [1] - However, overall risks in the Hong Kong banking sector remain, with low HIBOR leading to a decline in interest margins, negatively impacting net interest income in Q2 [1] Group 2 - Local loan demand in Hong Kong remains weak, with both Standard Chartered and HSBC experiencing a quarter-on-quarter contraction in local loans in Q2 [1] - The non-performing loan ratio in Hong Kong's commercial real estate sector has increased quarter-on-quarter, indicating ongoing pressure in the real estate industry [1] - On August 6, the Hong Kong Monetary Authority intervened by buying HKD 8.439 billion due to the HKD/USD exchange rate touching the weak end of the peg, marking the fourth intervention in seven days [1]
香港第二季负资产个案环比减7.2%仍属较高水平 经络:美联储最快第4季减息将为楼市带来提振作用
智通财经网· 2025-07-31 12:49
智通财经APP获悉,据香港金管局公布最新数据显示,2025年第二季负资产个案录得37806宗,涉及金 额1901.61亿港元,对比首季录得的40741宗及2058.81亿港元,宗数及金额环比分别减少2935宗(7.2%)及 157.2亿港元(7.6%)。 经络按揭转介首席副总裁曹德明表示,自2月份《财政预算案》宣布放宽物业印花税的税阶,楼市交投 随即回暖,楼价亦稍有回稳,根据差饷物业估价署资料显示,香港私人住宅售价指数连升3个月。另 外,根据香港按揭证券有限公司资料显示,上半年新取用按揭保险报3483宗,比去年同期减少37.1%, 创近9年首半年新低。鉴于楼价有所回升,而选用较高按揭成数的买家显著减少,使负资产个案环比亦 有所回落。 曹德明表示,负资产数字仍维持较高水平,但香港业主还款能力一直处于稳健水平,负资产个案中超过 3个月未偿还按揭贷款的拖欠比率为0.21%,虽然有所上升,但仍属低水平,显示绝大部份业主的供款 能力仍稳健。曹提醒有意置业之人士仍要衡量自身经济及供款能力,按揭成数避免借太尽,紧记按时供 款以及预留至少半年的后备资金。 曹德明续指,虽然近月拆息反覆向上,香港银行亦维持最优惠利率不变,预期美 ...
中原地产:银行按揭态度渐转乐观 香港楼价有望止跌回升
智通财经网· 2025-07-10 08:46
Group 1 - The Central Valuation Index (CVI) for major banks has risen to 65.38 points, marking a significant increase of 5.59 points from last week's 59.79 points, reaching the highest level since May 2024 when banks tightened mortgage lending [1] - The CVI has increased for eight consecutive weeks, totaling a rise of 29.19 points, surpassing three critical thresholds: the lower limit of the 40-point boundary, the 50-point boundary, and the upper limit of the 60-point boundary [1] - The local interbank interest rates in Hong Kong have significantly decreased since May, alleviating banks' funding pressure, leading to a more optimistic mortgage lending attitude among banks [1] Group 2 - Following the government's withdrawal of cooling measures in February last year, the transaction volume in Hong Kong's property market rebounded, with the CVI recovering from low levels [2] - The CVI had previously dropped into the 40 to 60-point range, indicating a lack of upward momentum in property prices, which faced downward pressure [2] - The recent interest rate cuts and the government's policy report in October have contributed to a steady increase in the CVI, which has now surpassed the 40 and 50-point thresholds, coinciding with a stabilization in property prices [2] Group 3 - The global economic and political environment has faced new challenges due to factors such as the trade war and the Federal Reserve's monetary policy, impacting the CVI [3] - The CVI had fluctuated around the 50-point boundary for 13 weeks before sharply dropping to around 40 points, reflecting a bearish sentiment in the market [3] - The latest data shows that the CCL (Centaline Property Index) has increased by 1.24% following the relaxation of stamp duty, while property prices in Hong Kong have cumulatively declined by 0.78% in the first half of the year [3]
中原地产:预计香港第二季二手私人住宅现楼按揭约4100宗 环比下跌15%
智通财经网· 2025-06-24 12:37
Group 1 - The core viewpoint indicates a recovery in the second-hand residential mortgage market, with a slight monthly increase in registrations and an expectation for further growth in June [1][2] - In May 2025, there were 1,356 registrations for second-hand residential mortgages, reflecting a monthly increase of 61 or 4.7%, driven by renewed buyer interest post-New Year [1] - The total number of registered mortgage contracts for buildings (excluding pre-sale) was 4,920 in May, marking a rebound after two months of decline, reaching a three-month high [1] Group 2 - The one-hand mortgage market saw a significant monthly increase of 1,382 registrations or 53.0%, with a total of 3,992 registrations in May, largely due to new developments [2] - The number of registered mortgage contracts for new residential properties was 1,972, while the second-hand market accounted for 1,356, indicating a strong performance in both segments [2] - The number of registered mortgages for subsidized housing and other plans surged to 751, a monthly increase of 315 or 72.2%, attributed to new housing projects coming online [2]