Monday, February 04, 2008

銀行搵錢忙

踏入2月,又是藍籌股業績公布期的旺季,之前已有思捷(330)登場,隨後當然是銀行股,禤中怡見到最快派成績表的藍籌銀行股,就是東亞銀行(023),將於15日開董事會會議,通過全年業績。


市場最關注的,肯定是美國次按問題的殺傷力,對香港的銀行究竟有多大影響,對那些已披露持有次按相關投資的銀行來說,的確要想盡辦法說服會計師,不用大撇特撇,避免辛苦賺來的,回頭又是一場夢。


至於那些無參加次按遊戲的,生意應不差,在去年的暢旺環境下,利潤必會好,否則管理層要減薪懲罰了。且看銀行賓架經常話息口已經很低,再沒有減息空間,但轉頭又要減息迎戰,那麼減息空間在那裡掏出來呢?


禤中怡近日收到一間銀行信用卡帳單,一般而言,總會左望望、右望望,發現銀行話由4月1日起調整收費,當然醒神起來看清楚。首先,在財務費用方面,金卡和普通卡的現金透支實際年利率微降0.45厘至35.89厘,而白金卡的亦減0.43厘至28.15厘,認真「大手筆」,但好像減息實質幅度未見顯著,可見該業務的淨息差幅度有多大,所以做人要有信用,是要付出代價的。


為了讓客戶捧場,加上市道好轉,壞帳率基本上已不成問題,故此銀行採取較寬鬆的策略,就是將最低付款額的比重,從以前佔月結單總結欠的4%,再減1個百分點至3%,所謂小數怕長計,個「pool」那麼大,整盤信用卡的總結欠比重略增,即是欠銀行的錢就愈多,所收利息自然更和味!


除此之外,潮興拓展非利息收入業務,銀行當然不會忽視,加上話銀行息低,更加要找多些收入來源「幫補」。禤中怡見到銀行將香港及海外之外幣交易收費,一律調整至簽帳額之1.95%,翻查舊收費,分別為0.75%和1.75%,即去泰國玩,簽一張泰銖的帳單,費用多收0.2個百分點了,簽帳時開開心心,怎會理會呢!


幸好總有好消息,就是在海外簽港幣交易,本來要收取簽帳費用1.55%,日後將會取消,慳些少。但轉念一想,在海外簽港元交易的機會又有幾多呢?相信在澳門才有可能吧!(人家可能收澳門元)


不過,談到海外旅遊,禤中怡接獲喜愛外遊的好友通知,前往泰國曼谷旅遊,回程乘飛機前,在機場禁區見到Boots的門市,因為香港已沒有專櫃了,所以掃了一批護膚品作手信,可惜登機時,才發現需作安全檢查,手上一支支的護膚品自然被視作液體,禁止帶上機,令她為之氣結,而被充公的貨品去向更難測,故此在新春外遊前注意,免掃興而回。


(2月4日刊於《am730》)

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