大豐銀行有限公司

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1 大豐銀行股份有限公司 TAI FUNG BANK LIMITED 財務訊息披露 ( 未經審核 ) DISCLOSURE OF FINANCIAL INFORMATION (UNAUDITED) 截止至止六個月 FOR THE 6 MONTHS ENDED 30 JUNE 2014 按照澳門金管局傳閱文件第 026/B/2012-DSB/AMCM 號 IN ACCORDANCE WITH THE AMCM CIRCULAR NO. 026/B/2012-DSB/AMCM 2014 年 9 月第 1 版

2 主要股東根據本行股東登記冊紀錄, 截至二一四年六月三十日, 持有超過本行股本百分之十之股東如下 : 中國銀行何賢家族 List of shareholders with qualifying holdings: As at 30 June, 2014, the holding by the shareholders and which represents 10% or more of the share capital were: Bank of China Limited The family of Ho Yin 主要機關股東大會執行委員會 : 主席 : 陳瓊副主席 : 中國銀行秘書 : 趙耀華 Corporate Information Members of the General Assembly Chairman : Chan King Vice-Chairman : Bank of China Secretary : Chio Io Va 董事會董事長 : 何厚鏜副董事長 : 葉一新常務董事 : 何厚鏗劉大國徐繼昌 Board of Directors: Chairman : Ho Hao Tong Vice-Chairman : Ye Yixin Executive Directors : Howard H.H. Ho Liu Daguo Chui Kai Cheong 董事 : 何厚榮傅厚澤 ( 二零一四年三月十八日委任 ) 秦立儒葉兆佳傅日光 ( 二零一四年三月十八日離任 ) 何敬麟房延敏歐陽耀光何敬民 Directors : Ho Hao Veng Fu Hau Chak (Appointed on March 18, 2014) Qin Liru Ip Sio Kai Fu Iat Kong (Resigned on March 18, 2014) Ho Kevin King Lun Fang Yanmin Au Ieong Iu Kong Ho King Man Justin 監事會主席 : 委員 : 容永恩王麗杰姜宜道 Supervisory Committee Chairman : Iong Weng Ian Members : Wang Lijie Jiang Yidao 公司秘書 : 趙耀華 Secretary : Chio Io Va 1

3 Tai Fung Bank Limited 大豐銀行股份有限公司 Balance Sheet As At 資產負債表於 Assets Gross assets Provisions, amortiazation Net Asset 資產資產總額備用金, 折舊和減值資產淨額 Cash in hand 668, ,971 現金 Deposits with Monetary Authority of Macau 1,006,492 1,006,492 AMCM 存款 Receivables 應收賬項 Demand deposits with local financial institutions 99,428 99,428 在本地之其他信用機構活期存款 Demand deposits with foreign financial institutions 304, ,277 在外地之其他信用機構活期存款 Gold and silver 1,577 1,577 金, 銀 Other assets 其他流動資產 Loans and advances 52,470,878 5,189 52,465,689 放款 Applications of resources in local financial institutes 3,837,236 3,837,236 在本澳信用機構拆放 Call and fixed deposits with foreign financial institutions 8,453,077 8,453,077 在外地信用機構之通知及定期存款 Debt investment securities 5,827,609 5,827,609 股票, 債券及股權 Applications of resources consigned to the bank 承銷資金投資 Debtors 665, ,177 債務人 Other investments 4,016,860 4,016,860 其他投資 Long term investments 722,228 7, ,428 財務投資 Properties 2,570,918 2,570,918 不動產 Fixtures and equipment 537, ,318 96,197 設備 Deferred expenditure 遞延費用 Organization expenses 開辦費用 Construction in progress 未完成不動產 Other fixed assets 其他固定資產 Internal A/cs and A/cs pending regularization 272, ,541 內部及調整賬 TOTAL 81,455, ,307 81,000,832 總額 2

4 Balance Sheet As At 資產負債表於 Liabilities SUB-TOTAL TOTAL 負債小結總額 Demand deposits 21,335,609 活期存款 Call Deposits 175,759 通知存款 Fixed deposits 38,452,935 59,964,303 定期存款 Deposits of public sector 9,251,363 公共機構存款 Deposits of other local financial institutions 451,496 本地信用機構資金 Resources of other local entities 其他本地機構資金 Foreign currency loans 7,489 外幣借款 Debentures 1,998,200 債券借款 Creditors for resources consigned to the bank 承銷資金債權人 Cheques and payment orders 303,712 應付支票及票據 Creditors 185,010 債權人 Sundry Liabilities 204,111 3,150,018 各項負債 Internal A/cs and A/cs pending regularization 865,755 內部及調整賬 Sundry provisions 606,592 各項風險備用金 Capital 1,000,000 股本 Legal reserves 984,600 法定儲備 Reserve as per company articles 自定儲備 Other reserves 3,144,134 5,128,734 其他儲備 Retained profit brought forward 1,669,063 歷年營業結果 Profit and loss for the year 365,004 2,034,067 本年營業結果 TOTAL 81,000,832 總額 3

5 Operating Result for the 6 Months ended 截至止六個月營業結果演算 Income Statement 營業賬目 Mop 000 Debit Amount Credit Amount 借方金額貸方金額 Cost of credit operations 479,389 Income from credit operations 1,084,048 負債業務成本資產業務收益 Personnel costs Income from banking services 38,643 人事費用銀行服務收益 Directors and Fiscal Council expenses 2,965 Income from other banking services 9,798 董事及監察會開支其他銀行業務收益 Staff salaries and allowances 140,460 Income from securities and equity investments 85,101 職員開支證券及財務投資收益 Staff welfare expenses 8,165 Other banking income 43,184 固定職員褔利其他銀行收益 Other personnel costs 15,322 Income from non-banking operations 1,187 其他人事費用 Third party supply 第三者作出之供應非正常業務收益 7,034 Operating loss 營業損失 Third party services 38,691 第三者提供之勞務 Other bank costs 16,630 其他銀行費用 Taxation 1,427 稅項 Costs of non-banking operations 935 非正常業務費用 Depreciation 49,925 折舊撥款 Provisions 95,016 備用金之撥款 Operating Profit 406,002 營業利潤 TOTAL 1,261,961 TOTAL 1,261,961 總額總額 4

6 Profit and Loss Account 損益計算表 Debit Amount Credit Amount 借方金額貸方金額 Operating loss Operating profit 406,002 營業損失 Losses related to previous years 歷年之損失營業利潤 Profit related to previous years 歷年之利潤 Exceptional losses Exceptional profit 2 特別損失 Profit tax provision 營業利潤之稅項撥款 Profit after tax 特別利潤 41,000 Provision used 備用金之使用 Operating loss 營業結果 ( 盈餘 ) 365,004 營業結果 ( 虧損 ) TOTAL 406,004 TOTAL 406,004 總額總額 5

7 現金流量表 Cash Flow Statement 截至止六個月 For the 6 months ended 附註 Note 經營業務之現金流量除稅前經營現金之流入支付稅項經營業務之現金流入淨額 Cash flow from operating activities Operating cash inflow before taxation Tax paid Net cash inflow from operating activities (a) 2,142,776-2,142, 投資業務之現金流量 Cash flow from investing activities 收取股息 Dividends received 78,653 購入不動產廠場和設備 Purchase of property, plant and (18,816) equipment 出售不動產廠場和設備所得款項 Proceeds from disposal of 2 property, plant and equipment 投資於資產管理 Investment in asset (412,000) management 購買政府債劵 Purchase of treasury bills (10,248,438) 贖回政府債劵 Redemption of treasury bills 10,250,000 購買存款証 Purchase of certificates of - deposit held 贖回存款証 Redemption of certificates of 103,000 deposit held 購買有價証劵 Purchase of investments in (3,599,652) securities 贖回有價証劵 Redemption of investments in securities 3,267,031 投資業務之現金流出淨額 Net cash outflow from investing activities (580,220) 融資業務之現金流量 Cash flow from financing activities 支付股息 Dividends paid (85,000) 融資業務之現金流出淨額 Net cash outflow from financing activities (85,000) 現金及等同現金項目之增加於一月一日之現金及等同現金項目 Net increase in cash and cash equivalents Cash and cash equivalents at 1 January 1,477,556 11,101,699 於六月三十日之現金及等同現金項目 Cash and cash equivalents at 30 June (b) 12,579,255 6

8 現金流量表附註 Notes to Cash Flow Statement 截至止六個月 For the 6 months ended (a) 經營溢利 / 除稅前溢利與除稅前經營現金之流入對賬 : (a) Reconciliation of operating profit / profit before taxation to operating cash inflow before taxation: 除稅前溢利 Profit before taxation 406,004 呆壞賬撥備 Charge of bad and doubtful advances and other accounts 90,442 出售不動產廠場設備淨損失 Net loss from disposal of Property, plant and equipment (2) 不動產廠場和設備折舊 Depreciation on property, plant and equipment 49,925 股息收入 Dividend income (78,653) 存放於澳門金融管理局之 ( 增 (Increase) in deposits with AMCM 加 ) 原到期日超過三個月之銀行及其他金融機構存款之減少銀行及其他金融機構存款之增加收回往年已撇賬之貸款貸款及其他賬項之 ( 增加 ) (75,510) Decrease in placements with banks and other financial institutions with original maturity over three months 156,770 Increase in deposits and balances of banks and other financial institutions 435,397 Recoveries of advances written off in prior years - (Increase) in advances and other (9,163,516) accounts 其他資產之 ( 增加 ) (Increase) in other assets (162,913) 客戶存款之增加 Increase in deposits from customers 10,509,258 其他負債之 ( 減少 ) (Decrease) in other liabilities (48,932) 投資之折讓 / 溢價的攤銷 Amortization of discount / premium on investments (6,780) 外匯差額 Exchange difference 26,713 證券投資之未實現虧損 Unrealised loss of investments in securities 4,573 除稅前經營現金之流入 Operating cash inflow before taxation 2,142,776 (b) 現金及等同現金項目結存分析 : (b) Analysis of balances of cash and cash equivalents: 庫存現金 Cash 670,529 即期及短期通知結餘原到期日在三個月內之銀行及其他金融機構存款原到期日在三個月內之政府債券 Money at call and short notice 403,705 Placements with banks and other financial institutions with original maturity within three months 8,519,185 Treasury bills with original maturity within three months 2,985,836 12,579,255 7

9 信用風險 Credit Risk 按澳門金融管理局分類為非銀行客戶放款分類情況 Classification of loans and advances portfolio to non-bank customers with the rules of AMCM 放款 Loans and advances 佔貸款百份比 Percentage 押品值 Collateral Value 正常 Performing loans 52,046, % 109,524,540 逾期少於或等於 3 個月不良但逾期少於或等於 3 個月逾期大於 3 個月及少於或等於 6 個月 Normal loans but overdue for less than or equal to 3 months Non-performing loans overdue for less than or equal to 3 months Loans overdue for more than 3 months but less than or equal to 6 months 276, % 577,580 35, % 72, , % 175,930 逾期大於 6 個月及少於或等於 12 個月逾期大於 12 個月 Loans overdue for more than 6 but less than or equal to 12 months Loans overdue for more than 12 months 5, % 10,117 3, % 49,646 總額 Total 52,470, % 110,410,354 不良貸款 * Non-performing loans* 147, % 308,234 未支用授信 Unexpended credit 19,950,136 * 不良貸款是指本銀行信貸評級分類為次級, 可疑及損失的貸款 *Non-performing loans refer to those loans which are classified as sub-standard, doubtful and loss pursuant to the Bank s internal grading system as explained earlier. 8

10 信用風險 ( 續 ) 按地區劃分的放款分佈下表是基於風險轉換的原則, 並以借款人或擔保人的經營地決定授信地區 Credit Risk (Continued) Loans by geographical areas The table is compiled based on the transfer of risk concept, and has only taken account of the place of business of the borrower / guarantor. 授信金額按主要授信地區分佈 Distribution of loans by main regions: 放款百份比不良貸款金額不良貸款比率特別準備 Loan and advances Percentage Non-performing Non-performing Specific Provisions 授信地區分佈 Region 澳門 Macau 44,319, % 147, % 4,965 香港 Hong Kong 1,176, % % 224 中國內地 Mainland China 6,899, % % - 其他 Others 75, % 總額 Total 52,470, % 147, % 5,189 9

11 信用風險 ( 續 ) 按地區劃分的放款分佈下表是基於風險轉換的原則, 並以借款人或擔保人的經營地決定授信地區 Credit Risk (Continued) Loans by geographical areas The table is compiled based on the transfer of risk concept, and has only taken account of the place of business of the borrower / guarantor. 根據放款及放款承諾餘額占該類風險 10% 或以上的地區, 再按以下對象劃分之分析 Analysis of loans and commitments by customers and regions according to : (loans and commitments by regions over or equal 10% of credit exposure of total loans and commitments ) 總計其中銀行同業政府公營機構公司企業法團個人 Of which 準備地區分佈 Region Total Other credit institutions Public sector Corporations/ Legal Entities Individuals Provisions 澳門 Macau 55,501, ,633 27,658,873 27,565,703 4,965 中國內地 Mainland China 7,940, ,918,010 22,056 由於本銀行業務建基於澳門本地區, 所以澳門地區放款及放款承諾餘額不斷增加, 已佔總地區分佈之 84.50%, 其次是中國內地地區的貸款, 佔 12.09% As the business of this bank mainly focused on the local market, outstanding loans in Macau kept on increasing and accounted for 84.50% of total loans and commitments in all regions; followed by loans and commitments booked in Mainland China, which accounted for 12.09%. 10

12 信用風險 ( 續 ) Credit Risk (Continued) 根據同業拆放及證券投資餘額占該類風險 10% 或以上的地區, 再按以下對象劃分之分析 : Analysis of placements with banks and securities investments by customers and regions according to : (placements with banks and securities investments by regions over or equal 10% of credit exposure of total placements with banks and securities investments.) 總計其中銀行同業政府公營機構公司企業法團個人 Of which 準備地區分佈 Region Total Other credit institutions Public sector Corporations/ Legal Entities Individuals Provisions 中國內地 Mainland China 9,761,477 7,030,431-2,731, 澳門 Macau 3,778, ,100 2,985, , 香港 Hong Kong 2,916,864 2,272, , 根據衍生工具投資餘額 ( 名義數額 ) 占該類風險 10% 或以上的地區, 再按以下對象劃分之分析 Analysis of financial derivatives (at notional amount) by customers and regions according to : (financial derivatives by regions over or equal 10% of credit exposure of total financial derivatives) 總計其中銀行同業政府公營機構公司企業法團個人 Of which 準備地區分佈 Region Total Other credit institutions Public sector Corporations/ Legal Entities Individuals Provisions 日本 Japan 203, , 香港 Hong Kong 110, ,

13 信用風險 ( 續 ) 按行業劃分的放款分佈情況 Credit Risk (Continued Loans by industries 放款百份比不良貸款金額特別準備 Non-performing Specific Loan and Advances Percentage loans Provisions 漁農業 Agriculture and fisheries % - - 採礦工業 Mining industries % - - 製造工業 Manufacturing industries 834, % 26,642 1,261 電力氣體燃料及水建築及公共工程 Electricity, gas and water Construction and public 451, % - - works 5,319, % 5, 批發及零售貿易 Wholesale and retail trade 2,468, % 酒樓餐廳及酒店及有關行業運輸貨倉及通訊非銀行的金融機構 Restaurants, hotels and similar activities 1,005, % - - Transport, warehouse and communications 200, % Non-monetary financial institutions 262, % - - 個人貸款 Personal loans 23,619, % 22,342 2,056 其他 * Other credits 18,308, % 92, 總額 Total 52,470, % 147,642 5,189 * 註 : 其他類別主要為房地產貸款 Remark: Real Estate loan is the major loan of Other credits. 12

14 信用風險 ( 續 ) 公司企業和法團放款按逾期月數劃分 Credit Risk (Continued) Corporate loans analyzed according to overdue buckets 公司企業法團 Corporation 放款其中押品值特別準備信用保證抵押 Loan and of which Collateral Specific Advances Unsecured Guarantee Secured Value Provision 正常逾期少於或等於 3 個月不良但逾期少於或等於 3 個月逾期大於 3 個月及少於或等於 6 個月逾期大於 6 個月及少於或等於 12 個月逾期大於 12 個月 Performing loans Normal loans but overdue for less than or equal to 3 months Non-performi ng loans overdue for less than or equal to 3 months Loans overdue for more than 3 months but less than or equal to 6 months Loans overdue for more than 6 but less than or equal to 12 months Loans overdue for more than 12 months 28,852,536 3,291,000 4,646,800 20,914,736 57,362,907-63, ,632 58, ,051-25, ,383 47,702-97, ,244 95, , , ,018 16,995 2,192 總額 Total 29,041,110 3,291,877 4,654,083 21,095,150 57,684,716 3,133 13

15 信用風險 ( 續 ) Credit Risk (Continued) 個人放款按逾期月數劃分 Individual loans analyzed according to overdue buckets 個人 Individual 放款其中押品值特別準備信用保證抵押 Loan and of which Collateral Specific Advances Unsecured Guarantee Secured Value Provision 正常 Performing loans 23,194, ,483-22,755,866 52,161,633 - 逾期少於或等於 3 個月不良但逾期少於或等於 3 個月逾期大於 3 個月及少於或等於 6 個月 Normal loans but overdue for less than or equal to 3 months Non-performing loans overdue for less than or equal to 3 months Loans overdue for more than 3 months but less than or equal to 6 months 213,078 1, , ,528-9, ,348 24,839-5, ,494 25, 逾期大於 6 個月及少於或等於 12 個月逾期大於 12 個月 Loans overdue for more than 6 but less than or equal to 12 months Loans overdue for more than 12 months 5,105 1,912-3,193 10, , ,302 32, 總額 Total 23,429, ,571-22,987,197 52,725,638 2,056 註.. 截至 2014 年 6 月 30 日, 本銀行沒有任何逾期的貿易融資票據持有之存款證證券投資及存放銀行同業及其他金融機構存款 Remark : as of, the Bank did not have any overdue trade bills, certificates of deposit held, investments in securities and placements with banks and other financial institutions 14

16 利率風險本行每月進行相關利率風險計量, 並每季向澳門金融管理局彙報只有超過 5% 銀行資產或者負債的幣別要求報告 Interest Rate Risk Interest rate risk is monthly measured and submitted to Monetary Authority of Macao quarterly. Only currency that accounts for more than 5% of either banking book assets or liabilities is required to be reported. 淨長倉 /( 短倉 ) 加權後所持長倉 /( 短倉 ) Total Net Long/(short) Weighted Position Long/(short) 港元美元人民幣澳門元港元美元人民幣澳門元 HKD USD CNY MOP HKD USD CNY MOP 1 天以內 Within 1 day 8,284,744 (278,301) (457,515) 3,590, 大於 1 天且少於或等於 7 天大於 7 天且少於或等於 1 個月 More than 1 day but less than or equal to 7 days More than 7 days but less than or equal to 1 month 1,073, ,985 83, , ,224 1,986,911 (276,425) 1,052, ,987 (276) 1,053 大於 1 個月且少於 More than 1 month but less (2,215,436) 1,524, ,608 (3,777,925) (7,090) 4, (12,090) 或等於 3 個月 than or equal to 3 months 大於 3 個月且少 More than 3 months but less 2,429,967 (28,236) (55,107) (2,182,335) 17,496 (203) (397) (15,713) 於或等於 6 個月 than or equal to 6 months 大於 6 個月且少 More than 6 months but less (4,489,607) (869,795) (682,650) (1,836,360) (64,201) (12,438) (9,762) (26,260) 於或等於 1 年 than or equal to 1 year 1 年以上 More than 1 year (321,787) 1,204, ,442 (80,740) (24,311) 82,766 39,415 (1,625) 加權後所持幣別總和 /Weighted Position for the Currency (77,430) 77,106 29,837 (54,527) 加權後所持其餘幣別 /Weighted Position of All Other Currencies 0 加權後所持總幣別 /Weighted Position of All Currencies (25,014) 自有資金 / Own Funds 7,899,209 經濟價值的影響 Impact on economic value 0.32% 15

17 市場風險 Market Risk a. 外匯風險 a.exchange Rate Risk 本銀行的大部份資產和負債是以澳門元港元及美元計值, 外匯風險源自外匯買賣和商業銀行業務外匯持倉由資金部根據經董事會核准的風險限額管理 The majority of the Bank s assets and liabilities are denominated in Macau Patacas, Hong Kong Dollars and United States Dollars. Foreign exchange exposures arise from foreign exchange dealings and commercial banking operations and are managed by the Treasury Department within limits approved by the Board of Directors. 以下為本銀行於結算日之外匯風險分析 : The following is an analysis of the Bank s foreign currency at the balance sheet date: 貨幣 Currencies 已包括即期及遠期期權合約的淨持倉長盤或 ( 短盤 ) Net spot position (incl uding the net spot position and the net forward position) 澳洲元 Austra lian dolla r (AU D) (245) 加拿大元 Cana dia n dollar (CAD) (494) 人民幣 China yua n ( CNY) 104,642 歐元 Eur o (EUR) 581 港元 Hong Kong dollar (HKD) 4,715,250 日圓 Japanese yen (JP Y) 1,517 新西蘭元 New Zealand dollar (NZD) (57) 英鎊 British pound (GBP) (164) 新加坡元 Singap or e dollar (SGD) 70 瑞士法郎 Swiss Franc (CHF) 965 美元 Unit ed Sta tes dollar (U SD) 4,083,120 以上未列出的貨幣 Other curr encies 2,158 黃金 Gold (2,098) 16

18 市場風險 ( 續 ) Market Risk (Continued) a. 外匯風險 ( 續 ) a. Exchange Rate Risk(Continued) 期貨買入期貨買出 Forward foreign assets purchases Forward foreign assets sales 即期遠期即期遠期 Spot Forward Spot Forward 美元 USD 102,722 (1,357) 101,365 - 瑞士法郎 CHF 73,603-36,807 36,796 日圓 JPY 44, ,384 46, ,857 b. 市場風險 b. Market Risk 市場風險是指因為匯率利率或股票和商品的價格波動導致集團承受損失的風險集團的市場風險包括來自客戶業務及自營持倉自營持倉每日均會按市值計價基準評估市場風險透過由執行委員會批核的風險限額進行管理整體風險限額參照不同的風險因素, 例如利率匯率商品及股票價格, 細分為更具體的限額 Market risk is the risk of loss arising from the fluctuations of foreign exchange rates, interest rates, equity and commodity prices. The Bank s market risk arises from customer-related business and propriety trading. Trading positions are subject to daily marked-to-market valuation. Market risk is managed within the risk limits approved by the Executive Committee. The overall risk limits are further divided into sub-limits with reference to different risk factors, which include interest rates, foreign exchange rates, commodity prices and equity prices. 資本要求 Capital requirements 債券及與債券相關的衍生工具的特定風險 Specific risk of debt securities and debt related derivatives instrument 2,924 股權風險 Equity exposures 69,614 外匯風險 Foreign exchange exposures 8,962 17

19 流動資金風險 Liquidity Risk a. 截至 2014 年 6 月 30 日止六個月流動現金平均數據 : a. Average weekly liquidity for the 6 months ended : 持有流動現金之最低要求 Minimum requirement on cash on hand 1,325,909 庫存現金及存放於澳門金融管理局之活期存款 Cash on hand and deposits with AMCM 1,754,229 流動現金淨額 Net liquidity position 428,320 本銀行的流動現金充裕 2014 上半年平均持有之流動現金 ( 按每週平均申報 ) 均高於法定標準 The Bank has maintained a sound liquidity position. The average weekly liquidity positions in the first half year of 2014 was above the statutory minimum requirement on cash on hand stipulated by the AMCM. b. 流動資金比率 b. Liquidity Ratio 截至 2014 年 6 月 30 日止六個月流動資金比率數據 : Average liquidity ratio for the 6 months ended : 一個月流動資金比率 Average one-month liquidity ratio 31.97% 三個月流動資金比率 Average three-month liquidity ratio 32.98% c. 截至 2014 年 6 月 30 日止六個月平均抵償資產數據 : c. Average solvency assets for the 6 months ended 抵償資產 Solvency assets : 23,285,716 基本負債 Underlying liabilities 66,116,988 扺償資產對基本負債比率 Ratio of solvency assets to underlying liabilities 35.22% 根據澳門金融管理局之法例, 抵償資產不應低於基本負債數值之 30%,2014 年上半年平均值為 35.22%, 足見本銀行的扺償能力處於充裕水平及符合監管當局之要求 According to the AMCM s guideline, solvency assets should not be less than 30% of the underlying liabilities. In first half year of 2014, the ratio of solvency assets to underlying liabilities remained solid at 35.22%, which was well above the statutory minimum requirements. 18

20 流動資金風險 ( 續 ) Liquidity Risk (Continued) d. 資產負債根據結算日至合約到期日止之間尚餘期限劃分的期限分析表 d. Analysis of assets and liabilities by remaining maturity: 活期 On demand 1 個月內 Within 1 month 1 個月至 3 個月 1 months to 3 months 3 個月至 1 年 3 months to 1 year 1 年至 3 年 3 年以上總額 1 year to 3 years Over 3 years Total 資產 Assets 現金類 Cash in hand 668, ,971 存放同業 Balances with banks 403,705 1,687,534 1,451, , ,023,122 拆放同業存放於金管局及持有之政府債券放款 Placements with banks Deposits with AMCM and Treasury bills Loans and advances 214,704 4,232,160 1,186,697 51, ,685,061 1,006,492 2,985, ,992,328 29, ,149 2,624,427 8,854,545 12,260,411 28,247,947 52,470,878 持有之存款證 Certificate of Deposits held ,959 2,986, ,000 4,016,859 其他證券負債銀行及其他金融機構之存款客戶活期定期及通知存款附属公司存款 Other securities Liabilities Deposits and balances of banks and other financial institutions Demand, fixed, and call deposits 64, , ,910 1,373,276 1,322,352 2,892,252 6,445,084 7, ,740-19, ,782 21,938,551 13,989,968 12,571,676 10,635, ,430-59,359,914 Deposit from subsidiaries 80, ,907 34,960 98, ,389 公共機構存款 Deposits of public sector ,692 1,863,513 6,683, ,251,363 保証金存款 Guarantee deposits 27, ,732 後償負債 Subordinated liabilities ,998,200 1,998,200 19

21 資本之組成及各資本充足比率 a. 資本基礎成份用於計算 2014 年 6 月 30 日之資本充足比率及已匯報金管局之綜合資本基礎分析如下, 自有資金是按第 012/93-AMCM 號通告內規定合計組成, 自有資金之組成部份已於下表列示 : Capital Structure and Capital Adequacy Ratio a. The composition of own funds after deduction The composition of own funds is formulated with respect to the AMCM guidelines as stipulated in the <Notice No. 012/93-AMCM>. This is in turn being used to calculate the capital adequacy ratios as at 30 June 項目 Items 基本自有資金 Core Capital 股本 Paid-up Capital 1,000,000 法定儲備金及其他準備金 Legal, statutory and other reserves 2,215,500 保留盈餘 Retained Earnings 1,669,063 基本自有資金小計 Total Core Capital 4,884,563 補充自有資金 Supplementary Capital 3,110,792 扣減項目 Deduction 96,146 扣減後之自有資金 Own Funds after Deduction 7,899,209 b. 資本充足比率本行按照澳門金融管理局規定計算資產項目或資產負債表外之項目之加權數值, 用以計算資本充足率計算比率是根據澳門金融管理局第 002/2011-AMCM 號通告計算, 當中包含信貸風險市場風險及營運風險 b. Capital adequacy ratios The Bank follows the AMCM guidelines to classify both on and off-balance sheet assets to the respective risk categories. Risk weightings are then assigned to reflect individual asset s risk level. Ratios computation follows AMCM guidelines Notice No. 002/2011-AMCM inclusive of credit risk, market isk and operational risk exposure. 資本充足比率 Capital adequacy ratio 13.20% 20

22 關係人交易 Related party transactions 截至止六個月 For the 6 months ended MOP'000 利息收入 Interest income 83,376 利息支出 Interest expense 50,310 其他營業收入 Other operating income 106,368 其他營業支出 Other operating expense 6,158 結存項目 : Amounts due from: 同業往來 Placements with banks 4,586,763 客戶貸款 Loans and advances to customers 16,610 其他資產 Other assets 1,183,495 結欠項目 : Amounts due to: 同業存款 Deposits and balances of banks 413,203 客戶存款 Deposits from customers 899,843 其他負債 Other liabilities 1,270,646 表外風險暴露 Off-balance sheet exposures 外匯合約買入 Forward exchange contracts-purchases 2,298 外匯合約賣出 Forward exchange contracts-sales 2,298 21

23 除金融衍生工具以外的表外風險暴露 Off-balance sheet exposures other than derivatives transactions 直接信貸代替 Direct credit substitutes 1,125,194 交易有關之或然債務 Transaction-related contingencies 9,379 貿易有關之或然債務 Trade-related contingencies 58,583 其他承擔 : Other commitments: 原到期日一年以下者 With an original maturity of under 1 year 6,540,625 原到期日一年及以上者 With an original maturity of 1 year and over 6, 期貨買入 Forward foreign assets purchases 367,814 期貨賣出 Forward foreign liabilities sales 367,814 其他表外項目 Other memorandum items 25,910 金融衍生工具本行使用的金融衍生工具包括外匯遠期合約外匯掉期合約及股票期權合約, 主要用以對沖營運及投資活動中產生的風險 Financial derivatives Derivatives including foreign exchange forward contracts, foreign exchange swap contracts and stock option contracts are used primarily to hedge the Bank s exposure to the risks arising from operational a. 金融衍生工具之合約價值 and investment activities.. a. Contractual amount of derivatives 匯率合同 Exchange rate contracts 360,780 股權合同 Equity contracts 16,699 22

24 金融衍生工具 ( 續 ) Financial derivatives (Continued) b. 金融衍生工具之信貸風險加權金額本行按照澳門金融管理局第 013/93-AMCM 號通告規定計算匯率合同之信貸風險加權金額 b. Credit risk weighted amounts of derivatives Credit risk weighted amount of exchange rate contracts computation follows AMCM guidelines Notice No. 093/2011-AMCM. 匯率合同 Exchange rate contracts 1,443 - 完 - -END- 23

大豐銀行股份有限公司 TAI FUNG BANK LIMITED

大豐銀行股份有限公司 TAI FUNG BANK LIMITED 未經審核 UNAUDITED 截止至止六個月 FOR THE 6 MONTHS ENDED 30 JUNE 2018 主要股東根據本行股東登記冊紀錄, 截至, 持有本行普通股股本百分之十或以上的股東如下 : 中國銀行何賢家族 List of shareholders with qualifying holdings: As at 30 June, 2018, the holding by the shareholders