毕马威：2020香港银行业报告（英文版）（96页）.pdf

1、Adapting to a New Reality Hong Kong Banking Report 2020 2 | Hong Kong Banking Report 2020 Contents Introduction Overview Banking in 2030 Regulatory-driven transformation Overview Governance, risk and compliance Financial crime compliance Natural language processing Operational resilience Pricing AML

2、 Third Party Risk Management Non-performing loans Workforce management 4 6 14 22 24 26 28 30 32 34 36 38 40 2020 KPMG, a Hong Kong partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All

3、rights reserved. Hong Kong Banking Report 2020 | 3 LIBOR AI in banking Transaction banking Culture Tax IFRS 9 and credit risk Suitability ESG Wealth management Customer experience Financial highlights About KPMG Contact us 42 44 46 48 50 52 55 58 61 64 67 94 95 2020 KPMG, a Hong Kong partnership and

4、 a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. 2020 KPMG, a Hong Kong partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG Interna

5、tional Cooperative (“KPMG International”), a Swiss entity. All rights reserved. 4 | Hong Kong Banking Report 2020 In this years annual Banking Report, we review the financial results of banks in Hong Kong in 2019, and also offer our views and predictions on the future of the industry, especially in

6、light of the onset of COVID-19. In terms of the performance of banks in Hong Kong in 2019, there were some difficult times operationally, but banks generally fared well and profitability was up. Margins held up, costs were flat overall and in line with income increases, credit costs remained low, an