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1、2018 Hong Kong Banking Outlook Overview: Exciting possibilities ahead as fintech goes mainstream 3 Macro trends affecting banking: New challenges on the horizon 4 Regulatory landscape: Regulations reducing, but technology brings new complexity 5 Fintech: Collaboration not disruption 6 Robotics: Rob
2、ots are not quite ready to take over the world (or take our jobs) 7 T echnology: Technology is creating new ways of working, but humans remain important 8 Anti-Money Laundering: Battling financial crime through technology 9 Deals: Hong Kong to go green 10 Conduct: Conduct is the new focus 11 Culture
3、: Spotlight on bank culture 12 Banks booking models: Hong Kong gains traction as regional booking hub 13 Non-Performing Loans: NPL outlook for Hong Kong is promising with expectation of positive developments in China 14 Non-Financial Regulatory Reporting: The next issue for enforcement? 15 T ax: Tax
4、 policy makes Hong Kong a more attractive place to do business 16 Strategy: A year of growth 17 Contact Us 18 2017 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. Al
5、l rights reserved.Paul McSheaffrey Partner, Head of Banking & Capital Markets, Hong Kong KPMG China Overview Welcome to our outlook for 2018, where our Banking team forecasts the key developments and trends in Hong Kong for the next year. With the market environment starting to stabilise in 2017 , t
6、here are a number of positive developments and opportunities in the year ahead for banks in Hong Kong to increase their profitability. We are seeing increasing signs that US interest rates will continue to rise, which is likely to benefit Hong Kong as liquidity in the citys system is pulled out to i
7、nvest elsewhere. This may lead to better yields and increases in revenue for Hong Kong banks in 2018. We also expect to see credit losses remain within their existing levels, with Chinas financial deleveraging proceeding at its current controlled pace without any large shocks that could cause potent
8、ial losses for banks in Hong Kong. Furthermore, we believe that 2018 will be the year where fintech goes mainstream in Hong Kong. We appear to have reached a tipping point where the adoption of fintech and other technologies across all aspects of banking has become a priority issue on the boardroom
9、and executive committee agenda. This trend is likely to drive the industry towards making a step change in the adoption of fintech in the next 12 months. However, it is important that banks bear in mind that technology changes are always more successful when they are business-led, rather than techno
10、logy- led. Encouragingly, we are seeing that the industry is now recognising this, with banks increasingly ensuring that they first identify the problems they are facing before seeking out the best available technology to effectively solve the issues. Certainly, for banks in Hong Kong, there is no s
11、hortage of problems regulatory and compliance costs, conduct and culture risk, anti-money laundering issues and banks will increasingly apply technology to tackle these issues, manage costs more effectively and maximise revenue generating opportunities. Hong Kongs position as a key international fin
12、ancial centre cannot be ignored, and the city will continue to play a pivotal role in propelling Chinas growing influence and power on the world stage. In 2018, we expect mainland China to continue to use external investment as a soft power vehicle, as well as look to build new trading blocs and for
13、ge new alliances. One significant way to facilitate this is through the Belt and Road initiative. We therefore expect to see a major step change in Belt and Road financing that is arranged or facilitated through Hong Kong in the year ahead. We believe that with these positive developments, Hong Kong
14、s role of bringing together investors and investees, and facilitating inbound and outbound investment will be stronger than ever in the short-term. Exciting possibilities ahead as fintech goes mainstream 2017 KPMG, a Hong Kong partnership and a member firm of the KPMG network of independent member f
15、irms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved. 3 2018 Hong Kong Banking OutlookJohn Shelley Senior Advisor KPMG China Macro trends affecting banking A decade after the global financial crisis (GFC), the financial services industry wor
16、ldwide is now nearing the end of the cycle of regulators and governments recouping money from banks through fines and other forms of redress. In the US alone, banks have paid USD 150 billion in fines since the GFC. The associated investigations and remediation activities have held back the level of investment and management time that could have been spent on innovation. Going into 2018, there are a num
