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《大行》花旗:假設零新增非香港居民內地客開戶 料2028年滙控(00005.HK)、渣打(02888.HK)稅前利潤僅降約2%
花旗發表報告指,滙控(00005.HK)、渣打(02888.HK)、保誠(02378.HK)及友邦(01299.HK)昨日(4日)股價均下跌5%至8%,起因是有報道指部分銀行已暫停為內地客戶開立香港銀行帳戶。這一事件緊隨中證監5月22日發布的新規而來,旨在禁止境外機構未經授權的跨境經紀業務。與此同時,香港證監會向經紀商發出通告,香港金管局亦向銀行發出函件,要...
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《大行》花旗:假設零新增非香港居民內地客開戶 料2028年滙控(00005.HK)、渣打(02888.HK)稅前利潤僅降約2%
Recommend
31
Positive
29
Negative
40
 
 

花旗發表報告指,滙控(00005.HK)  -4.400 (-3.005%)    Short selling $286.10M; Ratio 22.133%   、渣打(02888.HK)  -10.800 (-5.099%)    Short selling $3.34M; Ratio 2.208%   、保誠(02378.HK)  -8.000 (-7.407%)    Short selling $242.36K; Ratio 3.050%   及友邦(01299.HK)  -2.500 (-3.259%)    Short selling $1.04B; Ratio 17.450%   昨日(4日)股價均下跌5%至8%,起因是有報道指部分銀行已暫停為內地客戶開立香港銀行帳戶。這一事件緊隨中證監5月22日發布的新規而來,旨在禁止境外機構未經授權的跨境經紀業務。與此同時,香港證監會向經紀商發出通告,香港金管局亦向銀行發出函件,要求審查現有內地客戶存量帳戶。

報告引述滙控表示,其在所經營的業務及市場中均持有所有必要的牌照,並在最近的投資者日上將內地中國客戶列為增長機會。而昨日會議上,渣打首席財務官指出,目前正在審查的大部分業務屬於經紀業務,而非銀行業務,且其現有政策已符合監管機構的要求,包括審慎驗證客戶文件、確保資金來源及監控交易等。他同時提到,關閉零結餘帳戶及要求客戶作出聲明是新的監管要求。

報告指,財富管理產品佔滙控收入的15%,若計入財富管理相關存款收入則升至25%,其中三分之二來自亞洲。財富管理產品佔渣打集團收入的15%,計入富裕客戶存款收入後升至28%,而全球中國客戶貢獻約30%的淨新資金流入。然而,對於高淨值及超高淨值客戶而言,絕大部分淨新資金已位於離岸,因此該行認為影響有限。可能會受到輕微影響的是香港零售及富裕客戶餘額的未來計劃增長。滙豐指出,過去三年香港零售及Premier客戶增長30%,其中三分之二來自非居民客戶;而渣打則表示,香港的淨新資金流入在本地與非居民客戶之間大致平均分配。

該行簡單假設香港零售及Premier/Premium非香港居民中國客戶的新開戶數為零,估計這將使其對2028年滙豐收入預測減少約10億美元,相當於集團稅前利潤的約2%;渣打則減少約2億美元,同樣相當於約2%。(ha/da)(HK stocks quote is delayed for at least 15 mins.Short Selling Data as at 2026-06-05 12:25.)

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