Group 1: Monetary Supply and Deposits - The broad money supply in Macau increased in May 2025, with M1 rising by 2.4% and M2 increasing by 1.2% to 815.7 billion MOP [1] - Resident deposits rose by 1.3% to 794.7 billion MOP, while non-resident deposits increased by 0.4% to 351.0 billion MOP [2] - The total deposits in the banking system increased by 1.4% to 1,361.7 billion MOP, with the composition of deposits being 19.2% MOP, 47.0% HKD, 8.7% RMB, and 23.4% USD [2] Group 2: Loans - Local private sector loans decreased by 1.4% to 498.5 billion MOP, and external sector loans fell by 7.6% to 495.2 billion MOP [3] - The total private sector loans declined by 4.6% to 993.7 billion MOP, with the currency composition being 22.3% MOP, 43.8% HKD, 8.8% RMB, and 21.8% USD [3] Group 3: Banking Operations - As of the end of May 2025, the loan-to-deposit ratio for local residents dropped to 49.3%, while the overall loan-to-deposit ratio, including non-residents, decreased to 73.0% [4] - The liquidity ratios for one month and three months stood at 65.7% and 57.9%, respectively [4] - The non-performing loan ratio increased to 5.7% due to a decline in total loans [4]

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]

智通财经APP获悉，5月2日，澳门金融管理局发布的3月货币及金融统计显示，2025年3月澳门的广义货 币供应量持续上升。包括M1及准货币负债的广义货币供应量M2环比增加1.3%至8,106亿澳门元。与此 同时，居民存款环比增加，居民贷款则录得跌幅。居民存款环比上升1.3%至7,890亿澳门元；本地私人 部门贷款环比减少0.4%至5,113亿澳门元。 货币供应 流通货币下跌1.8%，活期存款则上升10.5%，M1因而较上月增加6.8%。与此同时，准货币负债上升 0.8%，因此包括M1及准货币负债的广义货币供应量M2遂环比增加1.3%至8,106亿澳门元。若与2024年 同期比较，M1及M2分别上升11.3%及8.8%。按币种分析，澳门元、港元、人民币及美元在M2的比重分 别为32.2%、46.6%、6.3%及12.5%。 存款 居民存款环比上升1.3%至7,890亿澳门元，非居民存款增加9.1%至3,601亿澳门元。另一方面，公共部门 在银行体系的存款微跌至2,111亿澳门元。综合计算，银行体系的存款总额较上月上升3.1%至13,602亿 澳门元；当中，澳门元、港元、人民币及美元所占的比重分别为19.1%、47 ...