智通财经APP获悉，花旗发布研究报告称，随着美国联储局减息50点子，香港银行昨日(19日)陆续宣布将港元最优惠利率(Prime rate)下调25点子，最优惠利率的下调应会导致按揭利率相应下调，从而支持按揭需求，并减轻按揭负担。
该行预期，单是下调最优惠利率对香港大型银行的净息差影响为中性至轻微正面，因为较低的资产收益率应会被储蓄存款融资成本的降低所抵销。该行估计每当最优惠利率下调25点子，假设存款户口利率同步减息25点子，将为恒生银行(00011)的净息差扩阔2点子。
此外，该行预期最优惠利率每下调25点子，假设企业存款户口利率同步调整50%或100%，而个人存款户口利率调整25点子，料将为中银香港(02388)的净息差扩阔0.4及1.9点子。
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.