二零一八年報 Annual Report 2018
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二零一八年報 ANNUAL REPORT 2018 香港德輔道中61-65號 61-65 Des Voeux Road Central, Hong Kong 電話 Tel: (852) 3603 6633 傳真 Fax: (852) 3603 4000 [email protected] www.cncbinternational.com 2018年報內容 Inside the 2018 Annual Report 1 企業背景 Corporate Profile 4 財務概況 Financial Performance 8 董事長報告 Report of the Chairman 11 行政總裁報告 Report of the Chief Executive Officer 20 2018業務回顧 2018 Review of Operations 33 董事及高級行政人員簡介 Biographies of Directors and Senior Executives 41 企業資料 Corporate Information 42 董事會報告書 Report of the Directors 46 獨立核數師報告 Independent Auditor’s Report 56 財務報告 Financial Section 238 企業管治及其他資料 Corporate Governance and Other Information 中信銀行(國際)有限公司 China CITIC Bank International Limited 中信銀行(國際)有限公司(「信銀國際」)由中信國 China CITIC Bank International Limited (“CNCBI”) is 75%-owned by 際金融控股有限公司(「中信國金」)持有其75%的 CITIC International Financial Holdings Limited (“CIFH”), which in turn 股份,中信國金為中信銀行股份有限公司(「中信 is a wholly-owned subsidiary of China CITIC Bank Corporation Limited 銀行」)的全資附屬公司。天元貿易有限公司、香港 (“CNCB”). The remaining 25% of CNCBI are owned by Tian Yuan 冠盛投資有限公司、安信信託股份有限公司、至選 Trading Limited, Hong Kong Guansheng Investment Co., Limited, 有限公司和雅選有限公司合計持有信銀國際餘下的 Anxin Trust Co., Limited, Clear Option Limited and Elegant Prime 25%股份。 Limited. 信銀國際期望透過為大中華及海外客戶提供金融方 By providing value-creating financial solutions to define and exceed 案,創造價值,將財富管理和國際商業銀行服務提 both wealth management and international business objectives 升到超越客戶期望的嶄新水平,成為擁有最高國際 of Greater China and overseas customers, CNCBI aspires to be “the 水平及實力的「最佳海外綜合金融服務企業」。 best overseas integrated financial services institution”, with the best international standards and capabilities. 信銀國際網絡遍佈大中華,包括香港的30家分行以 CNCBI’s footprint in Greater China includes 30 branches in Hong Kong, 及北京、上海、深圳及澳門的網點。此外,信銀國 as well as branches and presence in Beijing, Shanghai, Shenzhen and 際於紐約、洛杉磯及新加坡設有海外分行。 Macau. CNCBI also has overseas branches in New York, Los Angeles and Singapore. 二零一八年報 001 Annual Report 2018 002 中信銀行(國際)有限公司 CHINA CITIC BANK INTERNATIONAL LIMITED 使命 Our Mission 我們旨在大中華及亞洲快速增長的過程 To be the China Financial Solutions Provider highly 中,成為機構及個人客戶推崇的中資金 regarded by institutional and personal customers who 融方案供應商。 aspire to realise the growth potential in Asia. 憑藉我們對中國市場的深切瞭解、內地 We focus on value creation for our stakeholders. Core 的廣闊人脈網絡及以客戶為主導的原 to our offering is our intimate knowledge of and our 則,務實高效地為股東、客戶和員工創 network capability in China, coupled with our customer- 富增值。 centric execution of world-class quality. 我們的主要競爭優勢,在於人才培育、 Nurturing of talent, team spirit and sharing of ownership 團體精神、權責分擔及成果共享。 and success are a key competitive advantage of ours. 核心價值 Our Core Values 恪守誠信 Integrity 以客為尊 Customer-centric 創富增值 Value Creating 銳意進取 Progressive 務實高效 Execution 集賢樹人 Building People, Building Team 二零一八年報 003 Annual Report 2018 財務概況 Financial Performance 2018年財務摘要 2018 Financial Highlights %變動 全年(百萬港元) For the year (HK$ million) 2018 2017 % change 淨利息收入 Net interest income 6,400 5,395 +18.6 非利息收入 Non-interest income 2,010 2,478 -18.9 經營支出 Operating expenses (3,385) (3,174) +6.7 金融資產及其他賬項 Expected credit losses/impairment losses 預期信貸損失╱減值損失 on financial assets and other accounts (1,403) (1,422) -1.3 稅前溢利 Profit before taxation 3,624 3,287 +10.2 所得稅 Income tax (616) (479) +28.6 股東應佔溢利 Profit attributable to shareholders 3,008 2,808 +7.1 %變動 於年結日(百萬港元) At year end (HK$ million) 2018 2017 % change 貸款及墊款 Loans and advances 201,820 196,287 +2.8 資產總額 Total assets 362,945 344,309 +5.4 存款總額 Total deposits 288,626 274,894 +5.0 股東權益 Shareholders’ equity 35,900 37,384 -4.0 財務比率 Financial ratios 2018 2017 資本充足比率 Capital adequacy 19.3% 20.3% 平均流動性覆蓋比率* Average liquidity coverage ratio* 258.5% 177.6% 貸存比率 Loans to deposits 69.9% 71.4% 成本對收入比率 Cost to income 40.2% 40.3% * 加權數額(平均值)於12月31日季度末 * Weighted amount (average value) at quarter ended 31 December 004 中信銀行(國際)有限公司 CHINA CITIC BANK INTERNATIONAL LIMITED 財務概況 Financial Performance 股東應佔溢利(百萬港元) 資產總值(百萬港元) 股東權益(百萬港元) 財務概況Prot attributable to shareholders (HK$ million) Total assets (HK$Financial million) PerformanceShareholders’ equity (HK$ million) 18 3,008 18 362,945 18 35,900 17 2,808 17 344,309 17 37,384 16 2,548 16 306,417 16 25,781 15 2,168 15 282,535 15 21,744 14 2,801 14 249,141 14 19,941 5 年財務概況 5 Year Financial Summary 全年結算(百萬港元) For the year (HK$ million) 2018 2017 2016 2015 2014 淨利息收入 Net interest income 6,400 5,395 4,129 3,420 4,157 非利息收入 Non-interest income 2,010 2,478 2,284 2,411 1,849 經營支出 Operating expenses (3,385) (3,174) (2,816) (2,564) (2,453) 金融資產及其他賬項 Expected credit losses/impairment losses on 預期信貸損失╱減值損失 financial assets and other accounts (1,403) (1,422) (553) (668) (181) 稅前溢利 Profit before taxation 3,624 3,287 3,053 2,601 3,374 所得稅 Income tax (616) (479) (505) (433) (573) 股東應佔溢利 Profit attributable to shareholders 3,008 2,808 2,548 2,168 2,801 於年結日(百萬港元) At year end (HK$ million) 2018 2017 2016 2015 2014 貸款及墊款 Loans and advances 201,820 196,287 183,764 169,870 150,720 預期信貸損失╱ Expected credit losses/ 減值準備 impairment allowances 2,659 1,523 950 696 538 資產總額 Total assets 362,945 344,309 306,417 282,535 249,141 平均利息收益資產總值 Average interest earnings assets 350,917 320,779 278,223 248,689 225,872 存款總額 Total deposits 288,626 274,894 246,168 231,072 203,087 股東權益 Shareholders' equity 35,900 37,384 25,781 21,744 19,941 財務比率 Financial ratios 2018 2017 2016 2015 2014 資本充足比率 Capital adequacy 19.3% 20.3% 17.8% 16.5% 17.3% 平均流動性覆蓋比率* Average liquidity coverage ratio* 258.5% 177.6% n/a n/a n/a 平均流動性維持比率 Average liquidity maintenance ratio n/a 59.6%# 60.8% 61.8% n/a 全年平均流動資金比率 Average liquidity n/a n/a n/a n/a 64.9% 貸存比率 Loans to deposits 69.9% 71.4% 74.7% 73.5% 74.2% 貸款對資產總額比率 Loans to total assets 55.6% 57.0% 60.0% 60.1% 60.5% 綜合評估覆蓋比率 Collective assessment coverage n/a 0.2% 0.2% 0.2% 0.3% 預期信貸損失覆蓋比率 ECL allowance coverage 1.3% n/a n/a n/a n/a 成本對收入比率 Cost to income 40.2% 40.3% 43.9% 44.0% 40.9% 平均資產回報率 Return on average total assets 0.8% 0.9% 0.9% 0.8% 1.2% 平均股東權益回報率 Return on average shareholders' equity 8.4% 10.1% 10.3% 10.2% 14.9% * 加權數額(平均值)於12月31日季度末 * Weight amount (average value) at quarter ended 31 December # 截至2017年9月30日 # As of 30 September 2017 二零一八年報 005 Annual Report 2018 財務概況 Financial Performance 存款* Deposits* 1. 按類別劃分 By type 2018 2017 往來 Current 9.8% 14.0% 儲蓄 Savings 16.0% 22.2% 定期 Fixed 74.2% 63.8% 合計 Total 100.0% 100.0% 2. 按到期日劃分 By maturity 2018 2017 即時償還 On demand 25.8% 36.2% 少於3 個月 Less than 3 months 49.9% 53.9% 超過3 個月但不足1 年 Over 3 months but less than 1 year 24.2% 9.8% 超過1 年但不足5 年 Over 1 year but less than 5 years 0.1% 0.1% 合計 Total 100.0% 100.0% 3. 按貨幣劃分 By currency 2018 2017 港元 HKD 53.2% 53.1% 美元 USD 34.0% 31.9% 其他 Others 12.8% 15.0% 合計 Total 100.0% 100.0% 4. 存款賬目數目 Number of deposit accounts 2018 2017 543,380 434,143 * 以客戶存款為基礎 * Based on customer deposits only 53.0% 25.5% 74.3% 45.9% 個人及商務銀行部 Personal & Business Banking Group 總存款分佈 存款證 總貸款分佈 Total Deposits Certificates of Deposit Total Loans 0.2% Breakdown 其他 Breakdown Others 公司及跨境業務部 Wholesale & Cross-border Banking Group 1.1% 006 中信銀行(國際)有限公司 CHINA CITIC BANK INTERNATIONAL LIMITED 財務概況 Financial Performance 財務概況 Financial Performance 貸款 Loan Portfolio 1. 按行業劃分 By industry sectors 2018 2017 Restate 用於香港的貸款 Loans and advances for use in Hong Kong 工商及金融界: Industrial, commercial and financial: 物業發展 Property development 2.3% 1.3% 物業投資 Property investment 8.6% 8.0% 金融界 Financial concerns 9.0% 8.3% 股票經紀 Stockbrokers 1.6% 3.3% 批發及零售貿易 Wholesale and retail trade 4.5% 7.2% 製造業 Manufacturing 6.0% 8.7% 運輸業及運輸設備 Transport and transport equipment 0.8% 1.2% 娛樂活動 Recreational activities 1.7% 0.4% 資訊科技 Information technology 3.3% 0.1% 其他 Others 4.6% 5.1% 個人: Individuals: 購買「居者有其屋計劃」、 Loans for the purchase of flats under the 「私人發展商參建居屋 Home Ownership Scheme, Private Sector 計劃」及「租者置其屋 Participation Scheme and Tenants Purchase 計劃樓宇」的貸款 Scheme 0.0% 0.0% 購買其他住宅物業的貸款 Loans for the purchase of other residential properties 7.7% 7.4% 信用卡借貸 Credit card advances 0.3% 0.3% 其他 Others 5.4% 4.6% 貿易融資 Trade finance 2.1% 3.3% 用於香港以外地方的貸款及墊款 Loans and advances for use outside Hong Kong 42.1% 40.8% 合計 Total 100.0% 100.0% 2. 按地區分佈劃分 By geographical spread 2018 2017 香港 Hong Kong 56.7% 54.7% 中國內地 Mainland China 27.3% 36.2% 美國 United States 3.6% 3.4% 新加坡 Singapore 2.8% 1.9% 其他 Others 9.6% 3.8% 合計 Total 100.0% 100.0% 3. 按年期劃分 By maturity 2018 2017 即時償還 Repayable on demand 0.8% 3.0% 少於1 年 Less than 1 year 50.4% 46.9% 超過1 年但少於5 年 Over 1 year but less than 5 years 35.9% 36.5% 超過5 年 Over 5 years 12.0% 11.8% 無訂日期 Undated 0.9% 1.8% 合計 Total 100.0% 100.0% 4. 按貨幣劃分 By currency 2018 2017 港元 HKD 53.8% 53.9% 美元 USD 38.4% 36.8% 其他 Others 7.8% 9.3% 合計 Total 100.0% 100.0% 5. 貸款賬目數目 Number of loan accounts 2018 2017 610,656 527,434 二零一八年報 007 Annual Report 2018 孫德順 董事長 Sun Deshun Chairman 香港,2019年3月25日 Hong Kong, 25 March 2019 董事長報告 Report of the Chairman 2018年,全球經濟雖然全年保持可觀增長,但下 Global economic growth remained respectable in 2018.