Section A Hong Kong Branch Information I. 基本資料 General Information 背景資料 : 三井住友信託銀 Background: Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 行

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1 三井住友信託銀行香港分行 SUMITOMO MITSUI TRUST BANK, LIMITED HONG KONG BRANCH 財務披露報告 FINANCIAL DISCLOSURE STATEMENT 截至 2015 年 3 月 31 日 FOR THE YEAR ENDED 31 MARCH, 2015 Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 1

2 Section A Hong Kong Branch Information I. 基本資料 General Information 背景資料 : 三井住友信託銀 Background: Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 行 ( 香港分行 ) 是一間海外 is an overseas incorporated Authorized Institution in Hong Kong. 成立的香港金融機構主要業務 : 本分行主要為企業及銀行客戶提供銀行及金融服務業務開始日 : 本分行於 2013 年 8 月 19 日正式開業 Principal activity: The branch mainly provides banking and financial services to corporate and banking customers. Date of commencing business: The branch commenced business from 19 August, Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 2

3 II. 損益帳資料 II. Profit and Loss Information For the year ended For the period from To 港幣千元 HK$'000 港幣千元 HK$'000 利息收入 Interest income 239,035 53,662 利息支出 Interest expense 104,374 23,510 淨利息收入 Net interest income 134,661 30,152 收費及佣金收入 Gross fees and commission income 56,616 24,388 收費及佣金支出 Gross fees and commission expense 1,834 32,184 淨收費及佣金收入 / ( 支出 ) Net fees and commission income/ (expense) 54,782 (7,796) 外匯交易收益 Gains arising from trading in foreign 2, currencies 其他收入 Other income 86 總經營收入 Total operating income 191,719 22,374 薪酬及租金支出 Staff and rental expense 42,486 22,006 其他支出 Other expense 9,865 9,832 總經營支出 Total operating expense 52,351 31,838 減值損失及撥備 Impairment loss and provision 出售固定資產的收 Gains less losses from disposal of fixed 益減虧損 assets 除稅前盈利 / ( 虧損 ) Profit/ (Loss) before taxation 139,368 (9,464) 稅項 Taxation expense 除稅後盈利 / ( 虧損 ) Profit/ (Loss) after taxation 139,368 (9,464) Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 3

4 III. 資產負債表 III. Balance Sheet 港幣千元 HK$'000 港幣千元 HK$'000 資產 Assets 現金及銀行結餘 Cash and balances with banks 2,560,849 1,133,829 在銀行一至十二個月內到期的存款 Placements with banks maturing over one month and up to one year 1,397,479 1,749,408 存於外匯基金款 Due from Exchange fund 5,496 10,060 項應收海外辦事處 Amount due from overseas offices 11,025,425 10,008,725 款項貸款及應收款項 Loans and receivables 24,088,872 21,214,961 投資證券 Investment securities 3,499, ,908 固定資産 Fixed assets 8,428 7,996 在反向回購協議下的應收款項 Amount receivable under reverse repos 645, ,447 資產總值 Total Asset 43,231,702 35,834,334 負債 LIABILITIES 其他銀行之存款 Deposits and balances from banks 232,641 2,572,925 及結餘外匯基金款項 Due to Exchange fund 6,266,398 活期存款及往來 Demand deposits and current accounts 帳戶定期存款及通知 Time, call and notice deposits 2,035,008 1,786,198 存款中央銀行之存款 Deposits from central bank 6,947,453 4,144,907 應付海外辦事處 Amount due to overseas offices 27,294,214 27,251,431 款項其他負債 Other liabilities 455,205 78,178 負債總額 Total Liabilities 43,231,702 35,834,334 Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 4

5 IV. 資產負債表附加資料 IV. Additional Balance Sheet Information 港幣千元港幣千元 HK$'000 HK$' 貸款及應收款項 1. Loans and receivables 客戶貸款 Advances to customers 21,090,395 19,519,506 銀行貸款 Advances to banks 2,951,068 1,654,816 應計利息及其他帳目 Accrued interest and other accounts 47,409 40,639 總計 Total 24,088,872 21,214,961 貸款及放款減值撥備根據集團之政策, 貸款綜合減值撥備在日本總行記帳, 於 2015 年 3 月 31 日, 本分行之貸款減值撥備為港幣 22,974,000 (2014 年 9 月 30 日 : 16,508,000) 個別減值撥備由分行記帳, 於 2015 年 3 月 31 日及 2014 年 9 月 30 日, 本分行並無個別減值撥備 Allowance for loan losses The general allowances on loans are made centrally by the Head Office in Japan in accordance with the group policy, the portion related to loan exposures in the branch are HK$22,974,000 as at 31 March, 2015 (30 September, 2014: HK$16,508,000). Specific allowances on loan are provided at the branch. No specific allowance was made as at 31 March, 2015 (30 September, 2014: Nil). 減值撥備政策三井住友信託銀行根據內部建立的貸款損失註銷及撥備準則計算及記錄貸款減值撥備金所有債權風險均由分行及處於日本總行的相關部門, 根據資產質素自我評估條件而評估獨立於營運部門的風險管理部負責監管該評估結果並按照評估結果提撥合適的減值撥備金 Provision Policy Sumitomo Mitsui Trust Bank records allowance for loan losses in accordance with internally established standards for write offs and allowance for loan losses. All claims are assessed by the branches and relevant departments at the Head Office based on the criteria for self assessment of asset quality. The Risk Management Department, which is independent from the operating sections, monitors the results of such assessments and an allowance is provided based on the results of such assessments. Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 5

6 IV. 資產負債表附加資料 IV. Additional Balance Sheet Information 2. 客戶的減值貸款及放款 2. Impaired loans and advances to customers 截至 2015 年 3 月 31 日, 本 There were no impaired loans and advances to customers as at 分行並無客戶的減值貸款及 31 March, (30 September, 2014: Nil). 放款 (2014 年 9 月 30 日 : 無 ) 3. 逾期及經重組貸款 3. Overdue and rescheduled advances 截至 2015 年 3 月 31 日, 本 There were no overdue and rescheduled advances as at 31 分行並無逾期及經重組貸款 March, 2015 (30 September, 2014: Nil). (2014 年 9 月 30 日 : 無 ) 4. 收回資產 4. Repossessed Assets 截至 2015 年 3 月 31 日, 本 There were no repossessed assets for the period ended 31 分行並無收回資產 (2014 年 March, 2015 (30 September, 2014: Nil). 9 月 30 日 : 無 ) 5. 客戶貸款按區域分類 5. Advances to customers by geographical area 以下區域分類之客戶貸款是 The following are advances to customers by geographical areas 根據交易對手的所在地作分 which are classified according to the location of the 析, 並已考慮有關貸款之認 counterparties after taking into account any recognized risk 可風險轉移若某國家的放 transfer. Countries to which not less than 10% of total advances 款額不少於放款總額的百分 to customers are shown as follows: 之十, 該國家的貸款額便予以披露 : 港幣千元港幣千元 HK$'000 HK$'000 香港 Hong Kong 11,622,243 11,124,139 日本 Japan 7,343,486 6,772,098 其他國家 Others 2,124,666 1,623,269 21,090,395 19,519,506 Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 6

7 IV. 資產負債表附加資料 IV. Additional Balance Sheet Information (Continue) 6. 客戶貸款按行業分類 6. Advances to customers by Industry Sector 在香港使用之貸款 : 工商金融 Loans and advances for use in Hong Kong: Industrial, commercial and financial 港幣千元港幣千元 HK$'000 HK$'000 - 物業投資 - 金融業務 - 股票經紀 - 批發及零售業 - 製造業 - 運輸及運輸設備 - 電力及煤氣 - 其他 - Property investment - Financial concerns - Stockbrokers - Wholesale and retail trade - Manufacturing - Transport and transport equipment - Electricity and gas - Others 9,667,426 1,473, , , ,999 1,062,140 81,800 33,544 8,209,153 1,475, , ,999 1,100, ,000 3,000 在香港使用之貸款總額在香港以外使用之貸款 Total loans and advances for use in Hong Kong Loans and advances for use outside Hong Kong 14,409,452 13,018,965 6,680,943 6,500,541 客戶貸款及放款總額 Total Loans and Advance to customers 21,090,395 19,519,506 截至 2015 年 3 月 31 日, 持有抵押品的貸款額為港幣 5,502,539,000 (2014 年 9 月 30 日 : 港幣 4,072,427,000) The balances of loans and advances covered by collateral or other security as of 31 March, 2015: HK$5,502,539,000 (30 September, 2014: HK$4,072,427,000). Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 7

8 IV. 資產負債表附加資料 IV. Additional Balance Sheet Information (Continue) 7. 國際債權 7. International Claims 國際債權是指本分行持有的所有貨 International claims refers to the sum of the branch s crossborder claims in all currencies and local claims in foreign 幣跨境債權及外幣本地債權此乃根據香港金融管理局國際銀行業 currencies determined based on the calculation methodology 務統計資料申報表訂明的準則計 specified in the Return of International Banking Statistics 算 submitted to HKMA. 國際債權根據對海外對手風險額的最終風險所在地而分類, 並已顧及轉移風險因素當某一地區的風險額佔總風險額的百分之十或以上, 該地區的風險額便予以披露 The following are international claims classified according to the locations of counterparties after taking into account any recognized risk transfer. Location to which not less than 10% of total international claims are disclosed. 於 2015 年 3 月 31 日, 以港幣百萬元計 : As of , in HK$ Million: 銀行非銀行私營機構總額 Non bank private sector 非銀行財務機構非財務私營機構 Banks Non bank financial institutions Non financial private sector Total 已發展國家 : Developed countries: 日本 Japan 11, ,818 18,520 其他 Others 發展中的亞洲和太平洋 : Developing Asia and Pacific: 韓國 Korea 3,636 3,636 中國 China 205 1, ,927 離岸中心 : Offshore centres: 香港 Hong Kong 561 2,366 2,180 5,107 其他 Others 總額 Total 16,591 3,961 9,710 30,262 由 2015 年 3 月 31 日起, 銀行需就國際債權予以披露因此, 本分行未能提供截至 2014 年 9 月 30 日的相關比較數據雖然國際債權的匯報準則與跨國債權之準則不盡相同, 截至 2014 年 9 月 30 日的跨國債權亦予以披露如下 The requirement to disclose the international claims is effective from 31 March 2015, relevant comparative figure as of 30 September 2014 is not available to be disclosed. Notwithstanding, the basis of reporting of international claims is not directly comparable to the cross border claims, cross border exposure as of 30 September 2014 is disclosed below. Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 8

9 IV. 資產負債表附加資料跨國債權跨國債權根據對海外對手風險額的最終風險所在地而分類, 並已顧及轉移風險因素一般而言, 在下述情況下才轉移認可風險:若貸款的債權是由交易對手所在地以外的國士家的一方擔保, 或該債權的履行對象是某銀行的海外分行, 而該銀行的總辦事處並非設於交易對手所在地當某一地區的風險額的佔總風險額的百分之十或以上, 該地區的風險額便予以披露本分行與海外分行之間的債權不包括在內於 2014 年 9 月 30 日, 以港幣百萬元計 : IV. Additional Balance Sheet Information (Continue) Cross Border Claims The following are cross border exposure classified according to the locations of counterparties after taking into account of risk transfer. In general, risk transfer takes place if the claims are guaranteed by a party in a country which is different from that of the counterparty or if the claim is on an overseas branch of a bank where head office is located in another country. Location to which not less than 10% of total cross border claims, excluding claims arising from other branches, are disclosed: As of , in HK$ Million: 銀行及金融機構 Banks 公營機構其他總額 Public sector entities Others Total 日本 Japan 6,780 6,780 韓國 Korea 3,633 3,633 中國 China 213 1,335 1,548 其他 Others 總額 Total 4, ,115 12,355 Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 9

10 IV. 資產負債表附加資料 8. 對內地非銀行對手的風險承擔內地非銀行對手乃按照香港金融管理局內地業務申報表的分類界定有關對內地非銀行對手的風險承擔披露如下: IV. Additional Balance Sheet Information (Continue) 8. Mainland Activities Mainland exposure to non bank counterparties are disclosed according the categories in the Return of Mainland Activities submitted to HKMA: 港幣千元 HK$'000 資產負債表內的風險承擔 On balance sheet exposure 資產負債表以外的風險承擔 Offbalance sheet exposure 總額 Total 中央政府中央政府持有的機構及其子公司和合資公司內地居民及在中國內地成立的其他機構及其子公司和合資公司非內地機構及非內地居民, 而涉及的貸款乃於內地使用 Central government, central government owned entities and their subsidiaries and JVs PRC nationals residing in Mainland China or other entities incorporated in Mainland China and their subsidiaries and JVs PRC nationals residing outside Mainland China or entities incorporated outside Mainland China where the credit is granted for use in Mainland China 2,499, ,556 2,798,293 62,487 62, , , ,748 總額 Total 2,736, ,174 3,312,528 資產負債表內的風險承擔佔本分行總資產的百分比 On balance sheet mainland activities exposure as percentage of total assets 6.33% 截至 2015 年 3 月 31 日, 本分行並無對內地非銀行對手的風險承擔作個別減值撥備 There was no specific allowance for non bank mainland exposure as at 31 March, Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 10

11 IV. 資產負債表附加資料對內地非銀行對手的風險承擔 IV. Additional Balance Sheet Information (Continue) Mainland Activities (Continue) 資產負債表內的風險承擔 On balance sheet exposure 港幣千元 HK$'000 資產負債表以外的風險承擔 Offbalance sheet exposure 總額 Total 中央政府中央政府持有的機構及其子公司和合資公司內地居民及在中國內地成立的其他機構及其子公司和合資公司非內地機構及非內地居民, 而涉及的貸款乃於內地使用 Central government, central government owned entities and their subsidiaries and JVs PRC nationals residing in Mainland China or other entities incorporated in Mainland China and their subsidiaries and JVs PRC nationals residing outside Mainland China or entities incorporated outside Mainland China where the credit is granted for use in Mainland China 1,338, ,245 1,727,133 62,985 62, , , ,304 總額 Total 1,640, ,836 2,226,422 資產負債表內的風險承擔佔本分行總資產的百分比 On balance sheet mainland activities exposure as percentage of total assets 4.58% 截至 2014 年 9 月 30 日, 本分行並無對內地非銀行對手的風險承擔作個別減值撥備 There was no specific allowance for non bank mainland exposure as at 30 September, Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 11

12 IV. 資產負債表附加資料 IV. Additional Balance Sheet Information (Continue) 9. 外匯風險 9. Currency Risk 本分行所持有的外幣淨 The net position of the following foreign currencies are disclosed as 盤列示如下 : follow: 港幣千元 HK$'000 美元日圓歐元人民幣總額 USD JPY EUR CNY Total 現貨資產 Spot assets 15,068,460 14,429, , ,837 30,107,291 現貨負債 Spot liabilities (18,379,197) (13,418,036) (333,154) (272,669) (32,403,056) 遠期買入 Forward purchases 3,320,814 1,812 3,322,626 遠期賣出 Forward sales (1,805) (1,011,638) (833) (3,414) (1,017,690) 長 /( 短 ) 盤淨額 Net long/ (short) position 8,272 (295) , 港幣千元 HK$'000 美元日圓歐元人民幣總額 USD JPY EUR CNY Total 現貨資產 Spot assets 14,172,260 13,912, ,681 65,007 28,547,330 現貨負債 Spot liabilities (17,595,482) (13,899,035) (393,619) (64,810) (31,952,946) 遠期買入 Forward purchases 3,430,653 3,430,653 遠期賣出 Forward sales (14,189) (14,189) 長 /( 短 ) 盤淨額 Net long/ (short) position 7,431 (842) 4, ,848 Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 12

13 V. 資產負債表以外之項目 V. Off balance sheet exposures 港幣千元港幣千元 HK$'000 HK$' 或然負債及承諾 1. Contingent liabilities and commitments 合約金額: Contractual amounts: - 承諾 - Commitments 9,214,075 9,814,479 - 其他 - Others 3,581,544 1,880,035 12,795,619 11,694, 衍生工具交易 2. Derivative transactions 名義數額: Notional amount: - 匯率合約 - Exchange rate contracts 4,322,626 3,430,653 - 利率合約 - Interest rate contracts 1,387,735 1,787,641 5,710,361 5,218,294 公平價值資產: Fair value asset: - 匯率合約 - Exchange rate contracts 5,528 6,580 公平價值負債: Fair value liability: - 匯率合約 - Exchange rate contracts 534 於相關財務期內, 本分行並無衍生工具交易之雙邊淨額結算協議 No bilateral netting agreement for derivative transaction has been made at 31 March, 2015 and 30 September, Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 13

14 VI. 流動資金平均比率 2014 年 4 月至 12 月的平均流動資金比率 2015 年 1 月至 3 月的平均流動性維持比率 VI. Liquidity Average ratio Average Liquidity Ratio for the period from April 2014 to December 2014 Average Liquidity Maintenance Ratio for the period from January 2015 to March % 73.89% 根據香港金融管理局指示, 由 2015 年 1 月 1 日起, 本分行須就香港賬目計算流動性維持比率平均比率是每個曆月平均比率的算術平均數, 並填報於香港金融管理局流動資產狀況申報表 2013 年 8 月至 2014 年 3 月的平均流動資金比率為 % 流動資金風險流動資金風險是指當銀行不能通過增加資金或被迫以顯著較高的利率籌集資金以滿足其現金流需求所產生的財政損失流動資金風險管理政策三井住友信託控股公司 ( 集團 ) 設計並實行了相關政策, 以建立流動資金風險管理框架, 認識到暴露於流動資金風險而產生的財務困難對集團的影響 As informed by HKMA, with effect from 1 January 2015, the branch is required to calculate Liquidity Maintenance Ratio, on the Hong Kong office basis. The average value of Liquidity Ratio or Liquidity Maintenance Ratio for the reporting period are calculated based on the arithmetic mean of the average value of the ration for each calendar month as reported in the Liquidity Position Return submitted to HKMA for the reporting period. The average Liquidity Ratio for the period from August 2013 to March 2014 was %. Liquidity risk Liquidity risk is the risk of financial loss to the bank when it fails to meet its cash flow needs by raising necessary funds or being forced to raise funds at significantly higher rates. Liquidity risk management policy SMTH (the group), designs and implements a policy to build up a risk management framework for the liquidity risk, recognizing that financial difficulties due to the exposure to such a risk could possibly lead to the group directly to bankruptcy under certain circumstances. Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 14

15 VI. 流動資金 VI. Liquidity (Continue) 風險管理框架和流動資金風險的方法風險管理部 ( 於總行 ) 根據經董事會認可之風險管理計劃, 收集和分析內部環境信息如集團的風險狀況和外部環境信息如經濟情況或市場條件, 與資金部門合作釐定集團的現金需求資產負債管理委員會設計適用於集團整體資產負債風險操作管理之資產負債管理基本計劃及與市場風險及流動資金風險相關的風險管理計劃集團董事會於制訂半年度管理計劃之時, 視資產負債管理基本計劃和風險管理計劃為其中市場風險及流動資金風險相關的重要部分作出批示資產負債管理委員控制集團綜合之市場及資金風險, 每月召開會議 Risk management framework and approaches for the liquidity risk Risk Management Department (in the Head Office) determines the extent of its cash crunch appropriately in cooperation with the Treasury Unit Global Market, while gathering and analyzing information of both internal environment, such as the group s risk profiles, and external environment, such as economic circumstances or market conditions based on the risk management plan approved by the board of directors semiannually. The board of director approves and determines the ALM basic Plan and a risk management plan as importance matters related to market risk and liquidity risk under management plans on a semiannual basis. The ALM committee plans the ALM Basic Plan on a company wide comprehensive risk operational management basis for assets/ liabilities as well as a risk management plan related to the market and liquidity risk. The ALM committee is held on a monthly basis and controls market and funding risk on a consolidated basis. 壓力測試及情景分析集團根據所有前線部門 ( 包括海外分行 ) 的現金流錯配管理, 並考慮其資產及負債特性, 適時進行壓力測試及情景分析 Stress testing and scenarios analysis The group conducts stress testing based on cash flow mismatch management of all the front office (including overseas branches), taking the characteristic of asset & liabilities into account. Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 15

16 VI. 流動資金 VI. Liquidity (Continue) 分行流動資金管理跟從集團的政策和風險管理框架, 本分行的資金部負責執行流動資金風險管理, 而風險管理部則負責監控流動資金風險本分行主要通過以下途經控制流動資金風險 : 根據香港金管局訂明的計算準則及銀行內部限額, 每日管理流動資金比率 ( 從 2015 年 1 月 1 日起計算流動性維持比率 ) 分析和理解每個企業產品對流動資金的影響維持足夠的流動資金緩衝維持日內流動資金風險管理按集團政策計算現金流錯配狀況建立應急資金計劃, 以供流動資金特發性情況發生時使用 Liquidity management at branch level Treasury Department of Hong Kong branch is in charge of liquidity risk management while Risk Management Department is responsible for monitoring the liquidity risk, with the guideline from the group s policy and risk management framework. The branch controls liquidity risk mainly by, Managing liquidity ratio (and liquidity maintenance ratio effective from January 2015) according to HKMA requirements and internal limits on daily basis Analyzing and understanding liquidity implication for each business product Maintaining adequate liquidity cushion Maintaining intraday liquidity management Performing cash flow mismatch according to the group policy Setting up Contingency Funding Plan in case liquidity contingency situation happens Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 16

17 VII. 薪酬制度本分行為本地員工而制訂的薪酬制度涵蓋以下三個原則: 1. 本分行及個別員工所達到的評核表現 2. 平衡而穩健的風險管理及管控制度的薪酬組合 3. 公平及合理的內部補償制度薪酬檢討所考慮的因素包括個人表現評核, 業界和市場狀況及消費物價指數等但該制度並不包括本分行的日本籍員工, 其薪酬組合 ( 包括工資獎金退休金福利等 ) 是由日本總行負責管理年度截至 2015 年 3 月 31 日止, 本分行之重要人員的薪酬予以披露如下: VII. Remuneration policy The branch has established its own Remuneration Policy for local staff. The policy is determined mainly under three principles: 1. Performance results achieved by the Hong Kong Branch and individual staff 2. A balanced remuneration package for sound risk management control 3. A fair and equitable internal compensation system Factors such as results from individual performance appraisal, industry & market situations and Consumer Price Index will be taken into consideration for serving the purpose of remuneration review. The policy, however, does not cover Japanese expatriate staff whose remuneration packages (including salary, bonus, pension, benefits etc.) are administered by the Head Office in Japan. Remuneration for key personnel are disclosed as follow: For the year ended 港幣千元 HK$'000 固定薪酬 ( 現金 ) Fixed remuneration (cash) 10,778 浮動薪酬 ( 現金 ) Variable remuneration (cash) 4,218 14,996 受惠人數 Number of beneficiaries 12 於上述期間, 並無任何遞延發放薪酬受聘酬金或遣散費 There are no deferred remuneration, sign on or severance payments during the period. Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 17

18 乙部分集團綜合資料集團 : 三井住友信託控股公司以下數字是根據日本普遍採納之會計原則而計算 Section B Consolidated Group Level information Consolidated Group: Sumitomo Mitsui Trust Holdings All figures stated below are compiled with Japanese Generally Accepted Accounting Principles. I. 資本及資本充足比率 I. Capital and capital adequacy 資本充足比率 Capital adequacy ratio 15.57% 14.02% 日元百萬元 JPY Million 日元百萬元 JPY Million 股東權益 Shareholders' equity 2,716,973 2,550,749 資本充足比率是採用日本金融廳對有參與國際活動的日本銀行所作的指引計算, 並已顧及市場風險此指引已緊貼國際結算銀行巴塞爾銀行監管委員會, 所建議之風險比重原則 The capital adequacy ratio is computed in accordance to the capital adequacy guidelines adopted by Financial Services Agency in Japan, applicable to Japanese banks with international operations, and has incorporated an allowance for Market Risk. The guidelines closely follow the risk weighted approach proposed by the Basel Committee on Banking and Supervisory Practices of the Bank for the International Settlements. II. 其他財務資料 II. Other financial information 日元百萬元日元百萬元 JPY Million JPY Million 資產總額 Total assets 46,235,949 43,413,170 負債總額 Total liabilities 43,518,975 40,862,421 貸款總額 Total loans and advances 25,550,064 24,490,282 存款總額 Total deposit 25,079,711 24,010, 日元百萬元日元百萬元 JPY Million JPY Million 除稅前盈利 Pre tax profits 232, ,650 Sumitomo Mitsui Trust Bank, Limited (Hong Kong Branch) 2015 Annual Disclosure Page 18

Microsoft PowerPoint - FY Q Results.ppt [互換モード]

Microsoft PowerPoint - FY Q Results.ppt [互換モード] FY3-2012 3 rd Quarter Results Tokyo Stock Exchange / Nagoya Stock Exchange 8593 Results announcement date : February 3, 2012 Inquiries: Corporate Communications Department Tel 81+3-6865-3002, Fax: 81+3-6895-5306