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2021年香港银行业报告.pdf
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1、Embracing change,driving growthhome.kpmg/cnHong Kong Banking Report 20212|Hong Kong Banking Report 2021 ContentsIntroduction OverviewESG Strengthening climate resilience and capacity building the next steps for green and sustainable banking Greater alignment between financial crime compliance and ES
2、G is the way forwardTransformation More banks in Hong Kong will seek to adopt Regtech solutions as part of their regulatory-driven transformation journey Facing revenue and cost pressure,banks are accelerating their transformation initiatives to adapt and growWealth Wealth Management Connect should
3、be integral to banks overall digital and GBA strategies Hong Kongs status continues to grow as a key connector and international wealth management centreHong Kong as an IFC and connector The increasing connectivity with mainland China provides a significant opportunity for banks in Hong Kong to expa
4、nd onshore461718212324262930323435 2021 KPMG,a Hong Kong partnership and a member firm of the KPMG global organisation of independent member firms affiliated with KPMG International Limited,a private English company limited by guarantee.All rights reserved.Hong Kong Banking Report 2021|3 Hong Kong r
5、emains a key springboard for mainland Chinese banks to achieve their global ambitions With the growth opportunities clear,international banks are turning their GBA plans into realityRegulation Managing conduct in the digital sales world a new challenge for banks Regulatory areas of focus are shiftin
6、g to combat new and emerging risks for banks in the new reality Ongoing economic uncertainty and the increasing use of artificial intelligence calls for more robust model governance With the end of LIBOR on the horizon,banks should accelerate their efforts to ready themselves for the transition Immi
7、nent changes to operational taxes provide a significant opportunity for the industry to digitise,modernise and simplify processes With Basel III reforms on the horizon,banks should accelerate their preparation for implementation Financial highlightsAbout KPMGContact us384042434650525558619091 2021 K
8、PMG,a Hong Kong partnership and a member firm of the KPMG global organisation of independent member firms affiliated with KPMG International Limited,a private English company limited by guarantee.All rights reserved.2021 KPMG,a Hong Kong partnership and a member firm of the KPMG global organisation
9、of independent member firms affiliated with KPMG International Limited,a private English company limited by guarantee.All rights reserved.4|Hong Kong Banking Report 2021In this years annual Banking Report,we review the financial results of banks in Hong Kong in 2020 and provide our outlook for the i
10、ndustry.It is hard to assess the performance of banks in Hong Kong in 2020 without talking about the impact of Covid-19.While the pandemic has undoubtedly had a negative impact on Hong Kongs economy,it has not caused a significant financial crisis.The banking sector in particular has emerged from th
11、e worst of the pandemic reasonably well.Regulatory measures over the last few years to improve capital strength and liquidity,as well as the general strength of banks balance sheets,have shown that the banking sector in Hong Kong remains resilient.We did not see a significant increase in credit loss
12、es,and there have not been any challenges around falling asset prices giving rise to misconduct claims.However,the banking sector saw a drop in revenue in 2020,which is largely attributed to decreasing net interest margins.This has had a notable impact on overall profitability,and we expect this tre
13、nd to continue throughout the rest of 2021 and probably into 2022.Notably,for the first time in 33 editions of our annual Hong Kong Banking Report we are delighted to feature a new category:virtual banks.This report analyses the results and key financial metrics of the eight virtual banks in Hong Ko
14、ng and discusses their growth prospects.It is still too early to say who the market leaders might be,but the next 12 months will be critical for these new players to evolve and expand their offering to attract customers and start to show they have a sustainable future.Our report also explores four k
15、ey themes that we believe are going to have a significant impact on Hong Kongs banking sector in the year ahead.ESG:We continue to see a lot more industry focus on environmental,social and governance(ESG)issues in banking,and the Hong Kong Monetary Authority is becoming increasingly active in encour
16、aging and mandating banks to incorporate ESG into their risk management frameworks.We are starting to see some banks commit to placing ESG at the core of their business,and offer more products and services that are ESG friendly.While there are still some challenges to overcome such as setting a sing
17、le global ESG standard the increasing importance of ESG in banking and financial services more broadly is a trend that will be talked about for years to come.Transformation:While many banks have spent years focussing on transformation in order to reduce costs,enhance customer experience and improve
18、risk management and compliance,Covid-19 has really accelerated the pace of development and execution.The pandemic has dramatically increased awareness among banks of using operating costs as a key lever to maintain profitability,especially in an environment where interest revenue growth is likely to
19、 be subdued for the foreseeable future.IntroductionPaul McSheaffreyPartner,Financial ServicesKPMG China 2021 KPMG,a Hong Kong partnership and a member firm of the KPMG global organisation of independent member firms affiliated with KPMG International Limited,a private English company limited by guar
20、antee.All rights reserved.Hong Kong Banking Report 2021|5Furthermore,corporate and individual customers alike are demanding better and speedier services,more straight through processing and less manual intervention,all of which require transformation to systems and processes.Wealth:Amid a prolonged
21、low interest rate environment,many banks are exploring how to shift their reliance on interest income to a greater focus on fee-earning activities.There is an increasing focus on wealth management opportunities in Asia,which is unsurprising given the surge in new wealth and a burgeoning middle class
22、 in the region,especially in mainland China.Hong Kong has a key role to play as an international financial and asset management centre,as outlined in the 14th Five-Year Plan and the Development Plan for the Greater Bay Area(GBA).We are seeing a number of developments in this space,with international
23、 private banks and wealth managers seeking to use Hong Kong as a springboard to expand onshore in mainland China,Chinese banks setting up wealth management arms in Hong Kong,and emerging virtual bank and wealthtech players seeking to service retail investors.Furthermore,the imminent launch of the GB
24、A Wealth Management Connect is a key opportunity for the banking sector.While the scheme will initially provide simple investment products aimed at mass affluent clients,a successful rollout could signal further opportunities in the future that could benefit wealthier segments.Hong Kong as an intern
25、ational financial centre and connector:Tied to the wealth opportunity is a reaffirmation of Hong Kongs role as a key connector and conduit for capital flowing into and out of mainland China.We continue to see both international and Chinese banks seeking to set up operations in Hong Kong to benefit f
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