| 1. | With existing loans also being refinanced to take advantage of the lower rates , this contributed to the squeeze on banks lending margins
加上现有住宅按揭进行再融资以享有低息率，令银行的贷款息差收窄。 |
| 2. | Hong kong s banking system remains safe and stable despite an increasing trend in bankruptcies , sluggish loan growth and narrowing lending margins
尽管破产个案持续上升、贷款增长呆滞及贷款息差收窄，本港银行体系仍然健全及稳定。 |
| 3. | The overall net interest margin for 2000 widened , largely owing to relatively low funding costs , which helped to offset the contraction in lending margins
2000年的整体净息差扩阔，主要是因为资金成本相对偏低，有助抵销贷款息差收窄。 |
| 4. | " so far , relatively low funding costs have helped to compensate for the squeeze on lending margins , but it cannot be assumed that this situation will persist .
由于银行的资金成本相对偏低，可暂时抵销贷款息差收窄的影响，但是我们不能假设这种情况会持续下去。 |
| 5. | Increased asset management activities in hong kong and the increase in treasury operations of banks on the back of narrowed lending margins were probably the key factors behind the growth
香港的资产管理业务增长，以及贷款息差收窄使银行扩展资金管理业务，是外汇交易增长的主因。 |
| 6. | If loan growth remains sluggish , it may put further pressure on banks to compete for limited business , particularly for residential mortgage loans , by reducing lending margins
若贷款增长仍然呆滞，为了竞逐有限的业务，特别是住宅按揭贷款，银行可能会面对更大压力，需要进一步收窄贷款息差。 |
| 7. | " while the easing in funding costs has helped to reduce the impact on lending margins , banks should assess carefully the implications for their profitability should funding costs rise
虽然银行借贷成本下调有助减低贷款息差受到的影响，但银行仍须小心评估借贷成本一旦上升对其盈利可能构成的影响。 |
| 8. | The banking environment , however , became more competitive and difficult . domestic loan growth remained sluggish , thus squeezing lending margins . several mergers and acquisitions also took place during the year
本地贷款增长仍然呆滞，令贷款息差收窄。银行业在2000年亦完成了多项合并及收购事项。 |
| 9. | " while the downward pressure on lending margins in this environment is understandable , the combination of this with steadily rising arrears is a trend to which banks should pay close attention .
虽然在目前的环境下，贷款息差所受的压力是可以理解的，但再加上拖欠还款的情况逐步增加的情况，银行必须密切留意这种趋势的发展。 |
| 10. | Competition intensified for the limited amount of new business , particularly residential mortgage business , resulting in aggressive price - cutting strategies by banks and further contraction in lending margins
由于新业务机会有限，所以竞争趋于白热化，特别是住宅按揭业务，引致银行采用进取的减息策略，令贷款息差进一步收窄。 |
