私人銀行競相爭取亞洲新富階層

Asia has experienced a rapid increase in private wealth over the past five years.

過去五年，亞洲私人財富出現了迅速增長。

As global private banks vie for the region's rapidly growing private wealth, they have ramped up marketing tactics - often at the expense of profitability - with the hope of attracting new customers and grabbing a bigger share of existing clients' cash.

隨着全球私人銀行圍繞亞洲快速增長的私人財富展開角逐，這些銀行加大了營銷策略力度，以期吸引新客戶並讓現有客戶把更高比例的資金託付給自己。這些營銷策略經常以盈利減少爲代價。

In China, some banks target clients' children, offering up access to private schooling in Europe or the US.

在中國，有些銀行把目標瞄準了客戶的子女，提供歐美私立學校的入學機會。

Some banks have planned yachting classes or even mock art auctions to teach newly-rich how to bid on expensive paintings.

有些銀行設計了遊艇課程，甚至還模擬藝術品拍賣會，教導新富羣體如何競拍昂貴畫作。

The cost of laying on the extras is evident in profitability.

安排這些額外活動所產生的成本，明顯令銀行的盈利付出了代價。

Pre-tax profit margins in Asia-Pacific private banking are 21% - in Europe, margins are 25%-26%, according to research from the Boston Consulting Group.

波士頓諮詢公司的研究顯示，亞太私人銀行的稅前利潤率爲21%，而其歐洲同行的稅前利潤率則爲25%至26%。

Still, western banks continue to court Asia Pacific clients because of the region's growth potential.

就算如此，鑑於亞太的增長潛力，西方銀行仍繼續討好亞太區客戶。