[Hong Kong Media: HKMA Believes Room for Further Reduction in Prime Rate is Limited] Jin10 Data reported on January 26 that the Hong Kong Economic Times cited Hong Kong Monetary Authority Deputy Chief Executive Arthur Yuen, stating that deposit rates have already fallen to zero, leaving limited room for banks to further lower the prime rate. From a risk management perspective, Arthur Yuen emphasized that banks should avoid further narrowing net interest margins and should maintain a prudent strategy. Hong Kong's non-performing loan ratio slightly increased to 1.98% in the third quarter of last year.