Wednesday, September 30, 2009

第三季基金經理有交代

港股承接美股造好,裂口抽高300點至20,889點,之後繼續在21,000點上落,惟收市只升424點,至21,013點,未收復近期累積跌幅。無他,成交僅496億元,乾升味道濃,可能大孖沙趕往國慶觀禮,懶理股市。

對基金經理而言,相信第三季度計數時,應有亮麗表現,因為對比6月底,恒指本季累升2,635點,增幅為14.3%,而國企股指數也不俗,累漲9.35%,而昨日收市更迫近12,000點。

其他海外市場方面,美國道瓊斯工業平均指數以周一收市計,原來更已經在這季內共升1,342點,增長達15.89%,而納斯達克指數合共上揚16%之多,表現更勝港股。不過,區內退色經濟體日本卻較為令人失望,即使改朝換代,在這3個月間,日經平均指數只能累升1.4%。

踏入10月,又有新氣象,對本地銀行尤其重要,首先他們要加強向非利息業務埋手,如恒生銀行(011)於10月2日起,調整部分收費,如將匯入匯款的手續費由50元加至60元,加幅達20%,而優越理財客戶維持豁免該手續費,幸好有加有減,也安排將部分收費作調整,如綜合戶口之「全面理財總值」介乎1萬至4.999萬元,每月需付10元月費,但由10月2日起將獲豁免,變相年省120元!

至於做投資客生意也要再作安排,如該行於周五起,也會如母公司滙豐般,將於分行及指定理財中心設立指定投資理財服務專區,將投資理財和一般銀行服務分開處理,日後投資專區內以鮮豔的橙色為主,有關職員需戴橙色職員繩帶,而一般銀行服務則繼續沿用傳統綠色作區別。

面對成本增加,有些銀行向其他方面入手,如於4月已調整過服務收費的東亞銀行(023)於半年後,即由明日起,又獻新猷,竟然在信用卡服務收費新添一項「拖欠財務費用」。該行本來已經有一項「財務費用」,就是月結單結欠中未償還部分要計費,月息為2.5厘,聽來好像不多,實際年利率盛惠34.49厘!好了,新增設的「拖欠財務費用」又是甚麼呢?原來是客戶到期繳款日或之前仍未付月結單的最低付款額,即mini-pay的話,將由這個新費用取代現有「財務費用」,購物簽帳和現金透支月息為2.84厘,實際年利率卻高達39.83厘和41.76厘!反映忘記繳付卡數的後果有多嚴重。

禤中怡一向不明白,信用卡利息何以與市場資金成本相差那麼遠,若果以一年銀行同業拆息僅0.82厘比較,大家便可發現利潤之深厚。此外,信用卡利息高這種政策,更讓人覺得卡數結餘轉戶貸款的息率「相對」較低,實質當然不低,但成功製造假象,如去街市買菜,一檔賣5元一斤,隔鄰同等貨色卻賣7元,答案顯而易見,但原來兩檔都是由同一個老闆負責,怎樣也會有人幫襯。銀行要打開門做生意,若果個個只是存款,他們怎可以有豐厚利潤,故面對那些誘惑,唯有靠自己小心好了。

(9月30日刊於《am730》)

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