Annex - Amended Second Schedule to the Banking Ordinance

Annex Email: HKMA E-mail Alert of 13 July 2026 (05:00 p.m. HKT)

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Document Information

Title: Annex - Amended Second Schedule to the Banking Ordinance

Type: Annex

URL: https://brdr.hkma.gov.hk/eng/doc-ldg/docId/20260710-2-EN

Email Received: 2026-07-13 17:20

Summary Created: 2026-07-13 12:01

English Summary
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Management Summary
  • Purpose / Background: This document details the amended Second Schedule to the Banking Ordinance, which sets out the statutory fees payable to the Monetary Authority by authorized institutions (AIs) and money brokers for various licensing, registration, and ongoing maintenance activities.
  • One-line conclusion: AIs must update their internal financial and budget planning to account for these specific statutory fee structures for license maintenance, branch operations, and representative offices.
  • Key Changes:
  • Consolidated fee schedule for banking licenses, restricted banking licenses, and deposit-taking company registrations.
  • Standardized annual maintenance fees for local and overseas branches/offices.
  • Explicit listing of variable operational fees (inspection and document copying).
  • Fixed fee structure for renewal processes across all authorized categories.
  • Introduction/clarification of specific cost tiers for money brokers and representative offices.
  • Key Dates / Deadlines: Effective upon the date of amendment to the Banking Ordinance (statutory requirement).
  • Applicability / Impact scope: All Authorized Institutions (AIs), including banks, restricted licence banks, deposit-taking companies, and approved money brokers in Hong Kong.
  • Recommended management actions:
  • Update Finance/Accounting department fee schedules based on the provided list.
  • Verify current branch/office count against annual maintenance fee categories to ensure budget accuracy.
  • Incorporate these fees into annual regulatory reporting and liquidity planning.
  • Retain this schedule for internal audit and compliance reference regarding statutory payments.
Detailed Summary
  1. Document overview
    This document serves as the regulatory reference for statutory fees payable under the Banking Ordinance. It defines the specific dollar amounts for initial registration, ongoing annual maintenance, and miscellaneous administrative services.
  1. Main requirements
    AIs must ensure that payments for licenses, branch operations, and representative offices are made in accordance with these prescribed fees to remain in good standing. This includes:
  • Licensing/Registration: Fees for banks ($750k), RLBs ($600k), and DTCs ($180k).
  • Branch/Office Operations: Differentiated fees based on whether the entity is a bank or an RLB/DTC, and whether the location is local or overseas.
  • Variable Services: Inspection fees ($14) and copy/extract fees ($7/page).
  1. Key changes
  • The schedule provides a granular breakdown of fees for "establishment" versus "annual maintenance."
  • There is a clear distinction between "other than a restricted licence bank" and "restricted licence bank/deposit-taking company" fee tiers, which must be observed during financial forecasting.
  1. Important dates & transition
    The fees are currently in effect as per the amended Second Schedule. Institutions should check with the HKMA for the specific commencement date if these represent a recent legislative update.
  1. Impact and risks
  • Operational: Failure to pay annual fees can lead to regulatory non-compliance or administrative delays.
  • Financial: Incorrect categorization of branch types in budgeting can lead to variance in operational costs.
  • Reporting: These costs should be tracked within the firm’s regulatory capital and liquidity expenditure reporting.
  1. Compliance action checklist
  • [ ] Map existing branch/representative office portfolio against the provided fee list.
  • [ ] Update Finance/Procurement ERP systems with the exact fee amounts for automated payment scheduling.
  • [ ] Review the "Fee for copy or extract" ($7) and "Inspection fee" ($14) as part of potential operational expense budgeting for audit inquiries.
  • [ ] Confirm alignment between the firm's license status (e.g., Bank vs. RLB) and the corresponding fee tiers in the Second Schedule.
  1. Appendices/attachments summary
    The provided text functions as the primary table for the Amended Second Schedule. It summarizes the regulatory costs associated with all facets of banking operations in Hong Kong, serving as the definitive reference for statutory fee compliance.
中文摘要
快速切換摘要區塊
管理層摘要
  • 目的/背景： 本文件為香港《銀行業條例》修訂後之附表二（Second Schedule），旨在明確列出各類銀行牌照、註冊及分支機構營運相關的法定規費（Fees）。
  • 一句話結論： 本文件列示了銀行及存款公司在申請、續期、開設及維持本地或海外分支機構與代表處時，需繳納的最新法定費用標準。
  • 關鍵變更：
  • 本次文件為條例的規費清單修訂，涵蓋了從銀行牌照（750,000港元）到各類代表處年費（18,000至36,000港元不等）的結構性收費框架。
  • 明確區分了不同機構類型（銀行 vs. 有限制銀行/存款公司）在分支機構設立與維持上的差異化費率。
  • 調整後的收費清單旨在確保監管規費與行政成本的一致性。
  • 重要日期 / 截止日： 本文件為現行生效之收費標準，具體繳費截止日期需根據各牌照續期日或業務變更申請日而定。
  • 適用對象 / 影響範圍： 持牌銀行、有限制牌照銀行、接受存款公司，以及獲認可貨幣經紀。
  • 管理層建議行動：
  • 預算規劃： 財務部應將上述年度牌照及分支機構維護費納入年度營運成本預算。
  • 合規審查： 確認現有分支機構及代表處的數量與類別，確保繳納之年度規費與《銀行業條例》之分類及稅率一致。
  • 程序監控： 針對牌照續期及分支機構設立申請，預留相應的規費支付處理時間，避免因延遲繳納影響經營許可。
詳細摘要

1) 文檔概述
本文件為《銀行業條例》附表二的修訂版，旨在提供一套完整且具法律效力的規費清單。該清單界定了在港營運之銀行及財務機構在履行法定責任時，必須向監管機構支付的行政費用。

2) 主要要求
機構需依據其牌照屬性（銀行、有限制牌照銀行、存款公司、貨幣經紀）支付費用，主要類別包括：

  • 牌照/註冊費： 涵蓋申請及續期。
  • 分支機構費用： 包括本地及海外分支機構的設立費與年度維持費。
  • 代表處費用： 包括本地及海外代表處的設立費與年度維持費。
  • 行政雜費： 監管檢查費（每項14港元）及文件副本索取費（每頁7港元）。

3) 關鍵變更（費用結構重點）

  • 核心牌照費： 銀行牌照費及續期費定額為 750,000 港元；有限制銀行牌照費及續期費定額為 600,000 港元。
  • 分支機構差異化費率： 銀行本地分支機構維護費為 36,000 港元，而有限制銀行或存款公司則為 20,000 港元。
  • 貨幣經紀： 經認可之貨幣經紀牌照及其續期費固定為 68,000 港元。

4) 重要日期與過渡安排
此清單為既定法規標準。各機構應依據各自牌照簽發日或業務設立週年日，執行年度費用的繳納。

5) 對機構的影響與風險

  • 營運影響： 機構需設置規費繳納追蹤機制，避免遺漏年度維持費（Annual fee），以免觸發合規警示。
  • 財務風險： 費率調整或新設立單位均會直接增加營運開支，需於財報中列入常規監管成本。

6) 合規動作清單（Checklist）

  • [ ] 確認牌照續期窗口期，並預留足額費用。
  • [ ] 核對所有分支機構（本地及海外）的清單與對應繳費額度。
  • [ ] 將年度維持費納入會計系統提醒，確保在期限內繳交。
  • [ ] 存檔收費繳納紀錄，以備 HKMA 定期審查。

7) 附件/附錄摘要

  • 本文件本身即為《銀行業條例》之附表二（Annex），定義了法定行政費用之具體金額與類別，所有內容均具備同等監管效力，無獨立附錄。