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Articles and opinions by Wendy Weng

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Mortgages in China and Hong Kong to witness moderate growth
Date: Jul 02, 2018   |   Author: Wendy Weng | Datafiles
Chinese banks’ mortgage loan growth dropped the most in 2017 and will continue to be affected by property cooling measures and relatively tight liquidity conditions. Hong Kong banks’ mortgage loan growth, on the other hand, increased, but they are not expected to maintain it due to tough operating conditions.
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Bank-backed mobile wallets are a work in progress
Date: Jun 28, 2018   |   Author: Wendy Weng | Datafiles
Technological disruption is reshaping the payment landscape, creating a tight mobile wallet business environment. Banks must reshape their strategies that will help enhance their competitiveness in this market.
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Digital-only banks face issues of licensing, scale and profitability as it aims to challenge traditional banks
Date: Jun 01, 2018   |   Author: Wendy Weng | Datafiles
Digital-only banks pose serious challenges to the traditional financial services industry with their entirely new banking experience. However, for most of them, licensing, scale and profitability are the three key issues they must face going forward.
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Heavy household debt burden poses risks in some Asia Pacific countries
Date: Mar 01, 2018   |   Author: Wendy Weng | Datafiles
Household indebtedness has been on the rise, which is putting future economic growth and financial stability in jeopardy. Thus, many central banks have unveiled measures to curb high household debt. In Asia Pacific, Australia and South Korea are facing the most serious household debt problems.
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Brighter near-term outlook belies real risks
Date: Feb 05, 2018   |   Author: Wendy Weng | Research Note
The Asia Pacific banking sector will benefit from the improving global and regional economic conditions in 2018. Overall, better asset quality is expected, and banks will maintain relatively stable profitability and capitalisation. Nevertheless, there are growing concerns over the potential asset price corrections, high private debt, and geopolitical risks.
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Digitalisation and internationalisation - Key elements of employment trends
Date: Feb 02, 2018   |   Author: Wendy Weng | Research Note
The Asia Pacific banking industry will continue to see a rise in demand and salary among highly skilled technical workers in the backdrop of ongoing digitalisation.
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Asia Pacific banks remain unfazed by asset quality pressure
Date: Oct 20, 2017   |   Author: Wendy Weng | Research Note
Retail asset quality pressure will persist in the Asia Pacific region, due to slower economic growth and worse employment situations. However, the downside risk to banks’ retail asset quality will remain manageable, as regulators and banks continue their efforts to better manage credit risk.
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Capital and liquidity improved in the Middle East
Date: Oct 18, 2017   |   Author: Wendy Weng | AB500
Although Middle Eastern banks experienced a contraction in profitability, their overall capitalisation and liquidity improved with the gradual adoption of Basel III regulations. In Africa, asset quality and capitalisation are the key concerns.



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The following sections outline our proprietary methodology, which subscribers can use as a guide to understand the various research notes and analysis.
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