• Bank sector profits edge higher to record $7.22 billion
  银行业利润小幅上升至创纪录的 72.2 亿纽币
• Lending rises, margins flat, costs higher
  贷款增加，利润率持平，成本上升
• Kiwibank shows the biggest growth, but still trails the big four
  Kiwibank 的增长幅度最大，但仍落后于四大银行
• Banks express concerns about various regulations
  银行对各种法规表示担忧

Bank profits have come through the recession and edged to a record high despite rising costs, flat margins, and regulatory pressures.
尽管成本上升、利润率持平和监管压力，但银行利润已经度过了经济衰退，并小幅升至历史新高。

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Collective profits for the sector rose 0.25 percent, about $18 million, to a record $7.22 billion in 2024, with increased net-interest income, static margins, and a fall in the amount lost in bad debts.
该行业的集体利润增长 0.25%，约 1800 万纽币，到 2024 年达到创纪录的 72.2 亿纽币，净利息收入增加，静态利润率增加，坏账损失金额下降。

Head of banking at advisory firm KPMG John Kensington said the banks’ improvement really reflected the resilience of its customers, who had come through high interest rates and cost of living.
咨询公司毕马威（KPMG）银行业务主管约翰·肯辛顿（John Kensington）表示，银行的改善真正反映了其客户的韧性，他们经历了高利率和高生活成本。

He said bank attention was now on recovery and a desire to participate in funding it.
他说，银行现在的注意力集中在复苏上，并希望参与为其提供资金。

“Concern was expressed by all participants about the state of the economy and a range of related challenges including: a lack of productivity within the New Zealand economy, a feeling that New Zealand needed to change and move away from the heavy focus on risk management and a move to more of a can-do or yes mantra to ensure that it would be an attractive place for investors and their capital.
“所有参与者都对经济状况和一系列相关挑战表示担忧，包括：新西兰经济缺乏生产力，认为新西兰需要改变并摆脱对风险管理的严重关注，并转向更多的’我能行’或’是’的口号，以确保它对投资者及其资本来说是一个有吸引力的地方。”

“Participants were unanimously of the view that now was the time for bi-partisan politics across the board,” Kensington said, adding there was a concern that “fringe elements” in coalition governments would contribute to significant problems not being resolved.
肯辛顿说：“与会者一致认为，现在是全面进行两党政治的时候了，”并补充说，人们担心联合政府中的“边缘分子”会导致重大问题得不到解决。

Litany of concerns  一连串的担忧

The KPMG report detailed a broad list of concerns to the sector ranging from the impact of regulations on the industry, cyber security, the dominance of five large banks over the rest of the sector, and climate change reporting.
毕马威报告详细介绍了该行业面临的广泛担忧，包括法规对行业的影响、网络安全、五家大型银行对该行业其他银行的主导地位以及气候变化报告。

Kensington said the industry was making progress in combating scams and fraud, but wanted better collaboration from technology and social media concerns, including Google, Facebook and Instagram.
Kensington 表示，该行业在打击诈骗和欺诈方面取得了进展，但希望与技术和社交媒体问题（包括 Google、Facebook 和 Instagram）进行更好的合作。

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“Many identified that the very advertisers who are involved in frauds and scams are their advertisers. It was also noted by participants that once a fraud has been successful, it is often repeated on the victim in one of two ways.”
“许多人发现，参与欺诈和骗局的广告商正是他们的广告商。参与者还指出，一旦欺诈成功，通常会以两种方式之一对受害者重复。

He said the industry wanted to see more leadership from and participation by the government in co-ordinating security efforts.
他说，该行业希望看到政府在协调安全工作方面发挥更多领导作用并参与其中。

But he observed that the industry also noted the need for a change in public attitude on the issue.
但他观察到，该行业也注意到公众需要改变对这个问题的态度。

“Very few customers appear willing to pay, say, a monthly fee to cover the costs of banks’ antifraud programmes and would undoubtedly object to, say, $5 being charged monthly to their account, however, once they have sustained a loss they are of the view that they should be 100 percent remunerated regardless of the circumstances.”
“很少有客户似乎愿意支付月费来支付银行反欺诈计划的费用，并且无疑会反对每月从他们的账户中收取 5 纽币，但是，一旦他们蒙受损失，他们认为无论情况如何，他们都应该获得 100% 的报酬。”

The issue of regulation loomed large for the industry as well including changes to the Credit Contracts and Consumer Finance Act (CCCFA) which has been tinkered with by this and the previous government.
监管问题对该行业来说也非常严重，包括对本届政府和前任政府修改的《信贷合同和消费者金融法案》（CCCFA） 的修改。

The looming Deposit Compensation Scheme and Deposit Takers Act were also causing concern, because there were few details about how they will operate.
迫在眉睫的《存款补偿计划》（Deposit Compensation Scheme）和《存款接受者法》（Deposit Taker Act）也引起了人们的担忧，因为关于它们将如何运作的细节很少。

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Kiwibank the maverick  特立独行的 Kiwibank

Moves to beef up the financial strength of Kiwibank to better compete against the big four Australian owned banks also caused comment.
加强 Kiwibank 财务实力以更好地与澳大利亚四大银行竞争的举措也引起了评论。

Kensington said the topic was discussed with a “slight degree of humour”.
肯辛顿说，这个话题的讨论“略带幽默”。

“There was a largely unanimously sentiment that if the issue in the market was a lack of competition the government would be seen as unwise trying to pick a winner … if some form of relief from capital or other restrictions was to be applied to increase competition, it should be available to all market participants.”
“人们基本上一致认为，如果市场上的问题是缺乏竞争，那么政府试图挑选赢家将被视为不明智……如果要采用某种形式的资本减免或其他限制来增加竞争，那么所有市场参与者都应该可以使用。

He said the smaller New Zealand owned banks also had a feeling that the banking system was administered and operated to their disadvantage, and that a much greater regard to their size was needed in the application of regulations.
他说，较小的新西兰银行也觉得银行系统的管理和运营对他们不利，在实施法规时需要更多地考虑他们的规模。

来源：RNZ

分类： 澳纽资讯

(即时多来源) 新西兰英语新闻 New Zealand English News

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