星展银行(香港)董事总经理兼企业及机构银行总监陈智勇表示，随着市场预期今年外围减息次数减少，香港及内地的息差现仍达300基点，相信今年企业贷款会继续疲弱，保守估计今年业界企业贷款介于持平至轻微增长。至于对该行企业及机构银行业务的预期，陈智勇表示，希望今年该业务的人民币贷款同比有两位数增长，即使港元贷款今年可能持平甚至微跌，亦能推动整体该业务贷款今年有低个位数增长。

陈智勇提到，国内民企包括大湾区企业 “走出去” 的势头维持，他们仍来香港开设公司，过去一年该行接到的远程数码开户的新客户增长不错。香港金管局与银行公会去年共同成立中小企业融资专责小组，陈智勇表示，小组设有客户查询机制，当涉及星展的个案，他会收到香港金管局联络他检视及处理个案，“不会因为(个案)金额小而拖慢办理”。

息口高企，本地开发商借贷状况备受关注。陈智勇表示，对于质量佳、资金流强劲的房地产开发商，该行仍会向这些开发商批出新贷款，视乎开发商质量，优质的开发商仍有可能只需提供担保者便获得无抵押贷款。

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