Microsoft Word - CIMBHK.FD disclosure v6

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1 CIMB Bank Berhad, Hong Kong Branch (Incorporated in Malaysia) 聯昌國際銀行有限公司香港分行 ( 於馬來西亞註冊成立 ) Financial Disclosure Statements 財務披露報表 For the year ended 31 December 2017 截止 2017 年止年度 1

2 CIMB Bank Berhad, Hong Kong Branch 聯昌國際銀行有限公司香港分行 Financial Disclosure Statements for the year ended 31 December 2017 截止 2017 年的財務披露報表 In compliance with the disclosure requirements set out in the Banking (Disclosure) Rules issued by Hong Kong Monetary Authority ( HKMA ), the following key financial information of CIMB Bank Berhad, Hong Kong Branch (the Branch ) has been provided. The information is also available at the Branch located at 25th Floor, Gloucester Tower, The Landmark, 15 Queen's Road Central, Hong Kong and the Public Registry of HKMA. 本公佈內披露有關聯昌國際銀行有限公司香港分行 ( 本分行 ) 的財務資料是參照香港金融管理局 ( 金管局 ) 發出之銀行業 ( 披露 ) 規則而制定此資料披露可於本分行位於香港皇后大道中 15 號置地廣場告羅士打大廈 25 樓的分行地點及香港金融管理局公共查冊處索閱 Income Statement 損益表 For the year ended 全年結算至 31 Dec Dec 年 2016 年 Interest income 利息收入 145,108 57,409 Interest expenses 利息支出 (99,486) (39,030) Net interest income 淨利息收入 45,622 18,379 Other operating income 其他營運收入 Net gains arising from trading in foreign currencies 來自非港元貨幣交易的淨收益 41,777 1,974 Net gains on securities held for trading purposes 來自持有作交易用途的證券的淨收益 2,432 - Net losses from other trading activities 來自其他交易活動的淨虧損 (11,175) - Net fees and commission income 收費及佣金淨收入 2,945 8,955 Other income 其他收入 15,424 21,728 Total operating income 總營運收入 97,025 51,036 Operating expenses 經營開支 (75,354) (78,553) Impairment losses and provisions for impaired loan and receivables 減值損失及為已減值貸款及應收款項而提撥的準備金 - - Profit/(loss) before taxation 除稅前利潤 /( 虧損 ) 21,671 (27,517) Tax expenses 稅項開支 - - Profit/(loss) after taxation 除稅後利潤 /( 虧損 ) 21,671 (27,517) 2

3 Balance Sheet 資產負債表 6 月 30 日 Assets 資產 Cash and balances with banks 現金及銀行結餘 448, ,612 Due from Exchange Fund 存放外匯基金存款 5,040 12,645 Placement with banks maturing between one and twelve months 於一至十二個月內到期的銀行存款 - 16 Amount due from overseas offices of the institution 存放於該機構的海外辦事處的數額 957,869 1,343,818 Certificates of deposits held 持有的存款證 922,496 1,110,535 Securities held for trading purposes 持有作交易用途的證券 944, ,688 Loans and receivables 貸款及應收款項 2,888,607 3,768,225 Investment securities 投資證券 378, ,483 Tangible fixed assets 有形固定資產 6,456 8,031 Total assets 資產總額 6,551,795 7,930,053 Liabilities 負債 Deposits and balances from banks 尚欠銀行存款及結餘 1,383,575 3,854,521 Deposits from customers 客戶存款 2,210,816 1,930,644 Amount due to overseas offices of the institution 結欠該機構的海外辦事處的數額 2,603,031 1,775,268 Repurchase agreements 回購協議 356, ,313 Other liabilities and provisions 其他負債及準備金 97, ,486 Capital and reserves 資本及儲備 (100,268) (132,179) Total liabilities 負債總額 6,551,795 7,930,053 3

4 Income Statement Additional Information 損益帳額外資料 Other income 其他收入 For the year ended 全年結算至 31 Dec Dec 年 2016 年 Services fee earned from overseas offices 收取海外辦事處的服務收入 10,158 21,726 Income from non-trading investments 非交易投資收入 5,266 - Others 其他 ,424 21,728 Operating expenses 經營開支 For the year ended 全年結算至 31 Dec Dec 年 2016 年 Staff expenses 員工開支 46,624 52,903 Rental expenses 租金開支 10,100 11,361 Others 其他 18,630 14,289 75,354 78,553 Balance Sheet Additional Information 資產負債表額外資料 Loans and receivables 貸款及應收款項 6 月 30 日 Advances to customers 客戶貸款 2,824,811 3,594,724 Impairment allowances 貸款減值準備 Collective impairment allowances 組合減值準備 - - Individual impairment allowances 個別減值準備 - - Accrued interest receivable 應收利息 26,146 25,238 Other accounts and receivables 其他賬目及應收帳款 37, ,263 2,888,607 3,768,225 Individual impairment allowances for impaired assets are made against exposures in accordance with relevant accounting policies of the Branch. Collective impairment allowances are centrally assessed at head office of the Branch. and 30 Jun 2017, there was no collective impairment allowance allocated for exposures maintained in the Branch. 個別減值準備是根據本分行的相關會計政策為減值貸款單獨計提的減值準備組合減值準備由總行作出計提及 2017 年 6 月 30 日, 本分行的風險承擔並不需要計提組合減值準備 Impaired loans and advances 減值貸款及墊款 and 30 Jun 2017, there were no loans and advances to customers or banks which are individually determined to be impaired. 及 2017 年 6 月 30 日, 本分行並無任何個別被斷定為減值的對客戶或銀行的已減值貸款及放款的數額 4

5 Balance Sheet Additional Information 資產負債表額外資料 Deposits from customers 客戶存款 6 月 30 日 Demand deposits and current accounts 活期存款及往來帳戶 89,851 85,065 Savings deposits 儲蓄存款 12,151 5,592 Time deposits 定期存款 2,108,814 1,839,987 2,210,816 1,930,644 Other liabilities and provisions 其負債及準備金 6 月 30 日 Accrued interest payable 應付利息 13,646 13,484 Other accounts and payables 其他帳目及應付帳款 84, ,002 97, ,486 Off-balance Sheet Exposures 資產負債外風險承擔 Derivative 衍生工具 The following table summarises the gross contractual underlying principal amounts of derivative. The contractual amounts of these instruments indicate the volume of transactions outstanding as at the balance sheet date. They do not represent amounts at risk. 下表列示衍生工具交易的合約總額這些工具之合約金額指於資產負債表日仍未平倉之交易額而該等金額並不代表風險金額 6 月 30 日 Exchange rate contracts 滙率關聯衍生工具合約 9,552,203 7,151,885 Interest rate contracts 利率衍生工具合約 1,070,758 1,368,063 10,622,961 8,519,948 The following table summarises the fair value of derivative. The fair value does not take into account the effect of bilateral netting arrangements. 下表列示衍生工具的公平價值公平價值沒有考慮到雙邊淨額結算的影響 Fair value assets 公平價值資產 Fair value liabilities 公平價值負債 6 月 30 日 Fair value assets 公平價值資產 Fair value liabilities 公平價值負債 Exchange rate contracts 滙率關聯衍生工具合約 22,818 22,401 20,533 11,096 Interest rate contracts 利率衍生工具合約 4,477 7, ,270 27,295 29,648 21,042 34,366 5

6 Off-balance Sheet Exposures (continued) 資產負債外風險承擔 ( 續 ) Contingent liabilities and commitments 或然負債和承擔 6 月 30 日 Direct credit substitutes 直接信貸替代項目 40,798 40,744 Transaction-related contingencies 交易關聯或有項目 1,400 8,500 Other commitments 其他承諾 2,716,805 1,246,415 2,759,003 1,295,659 The above amounts represent a worst case scenario of credit risk exposures arising from these instruments, without taking into account any collateral held or other credit enhancements attached. The amounts do not represent amounts at risk at the balance sheet date. 上述金額乃於最壞情況下這些工具所產生之信貸風險, 並未計入所持有之任何抵押品或附帶之其他信貸保障措施該等金額並不代表資產負債表日之風險金額 Analysis by Major Country or Geographical Segment 按主要國家或地域分部作出細目分類 International claims 國際債權 Non-bank private sector Banks Official sector Non-bank financial institutions Nonfinancial private sector Others Total 非銀行私營機構銀行官方機構非銀行業金融機構非金融業私營機構其他總額 HK$ m 港幣百萬元 HK$ m 港幣百萬元 HK$ m 港幣百萬元 HK$ m 港幣百萬元 HK$ m 港幣百萬元 HK$ m 港幣百萬元 Offshore centres 離岸中心 ,709-3,719 of which: Hong Kong 其中 : 香港 ,709-3,676 Developing Asia-Pacific 發展中的亞太區國家 2, ,500 of which: China 其中 : 中國 1, ,297 Malaysia 馬來西亞 1,090-1,090 6 月 30 日 Offshore centres 離岸中心 ,497-5,024 of which: Hong Kong 其中 : 香港 ,497-5,001 Developing Asia-Pacific 發展中的亞太區國家 2, ,636 of which: China 其中 : 中國 Malaysia 馬來西亞 1,559-1,559 A major country or geographical segment means a country or geographical segment to which not less than 10% of the Branch s total international claims are attributable after taking into account any recognized risk transfer. 主要國家或地域分部是指在計算任何認可風險轉移後, 該國家或地域分部有不少於本分行的國際債權的總額的 10% 是歸因於該國家或地域分部的 6

7 Analysis by Major Country or Geographical Segment (continued) 按主要國家或地域分部作出細目分類 ( 續 ) Advances to customers by major geographical segments 客戶貸款按照對方所在地作出細目分類 Gross advances to customers Overdue advances to customers Impaired advances to customers Individual impairment allowances 客戶貸款總額逾期的客戶貸款減值客戶貸款個別減值準備 Hong Kong 香港 2,824,811 6 月 30 日 Hong Kong 香港 3,594,724 A major country means a country to which not less than 10% of the Branch s total loans are attributable after taking into account any recognized risk transfer. 主要國家是指在計算任何認可風險轉移後, 該國家有不少於本分行的客戶貸款總額的 10% 是歸因於該國家的 Advances to customers by industry sectors 客戶貸款按行業分類資料 6 月 30 日 Gross loan and advances 貸款金額 % of gross loan covered by collateral 抵押品值佔貸款總額比率 Gross loan and advances 貸款金額 % of gross loan covered by collateral 抵押品值佔貸款總額比率 Loans for use in Hong Kong 在香港使用的貸款 % % Industrial, commercial and financial 工業商業及金融 Property development 物業發展 800,000 0% 800,000 0% Electricity and gas 電力及氣體燃料 450,000 0% - 0% Wholesale and retail trade 批發及零售貿易 273,551 0% 382,462 0% Transport and transport equipment 運輸及運輸設備 - 0% 500,000 0% Others 其他 150,000 0% 800,000 0% 1,673,551 0% 2,482,462 0% Loans for use outside Hong Kong 在香港以外使用的貸款 1,151,260 0% 1,112,262 0% 2,824,811 0% 3,594,724 0% Overdue or rescheduled assets 過期或經重組資產 Analysis of overdue loans and advances 過期貸款細分 and 30 Jun 2017, there were no overdue loans and advances to customers or banks. 及 2017 年 6 月 30 日, 本分行並無任何給予客戶或銀行的過期貸款及墊款 Analysis of rescheduled loans and advances 經重組貸款細分 and 30 Jun 2017, there were no rescheduled loans and advances to customers or banks. 及 2017 年 6 月 30 日, 本分行並無任何給予客戶或銀行的經重組貸款及墊款 7

8 Overdue or rescheduled assets (continued) 過期或經重組資產 ( 續 ) Analysis of overdue other assets 其他過期資產 and 30 Jun 2017, there were no other overdue assets. 及 2017 年 6 月 30 日, 本分行並無其他過期資產 Repossessed assets 收回資產 and 30 Jun 2017, there were no repossessed assets. 及 2017 年 6 月 30 日, 本分行並無經收回資產 Non-bank Mainland Exposures 對非銀行類客户的內地相關風險承擔 On-balance sheet exposure 資產負債表內風險承擔 Off-balance sheet exposure 資產負債表外風險承擔 Total exposures 總風險承擔 1. Central government, central government-owned entities and their subsidiaries and joint ventures (JVs) 2. Local governments, local governmentowned entities and their subsidiaries and JVs 3. PRC nationals residing in Mainland China or other entities incorporated in Mainland China and their subsidiaries and JVs 4. Other entities of central government not reported in item 1 above 5. Other entities of local governments not reported in item 2 above 6. PRC nationals residing outside Mainland China or entities incorporated outside Mainland China where the credit is granted for use in Mainland China 中央政府, 中央政府控股的機構及其子公司和合資企業地方政府, 地方政府控股的機構及其子公司和合資企業内地居民及在中國内地成立的其他機構及其子公司和合資企業其他未包括在分類 1 中, 屬於中央政府的機構其他未包括在分類 2 中, 屬於地方政府的機構對非內地機構及非内地居民, 而涉及的貸款於內地使用 219, , , , Other counterparties where the exposures are considered by the reporting institution to be non-bank Mainland China exposures 其他被視為帶有中國內地非銀行類風險承擔的交易對方 Total 總額 708,037 37,547-37, ,037 Total assets after provision 扣減準備金後的資產總額 6,551,795 On-balance sheet exposures as percentage of total assets 資產負債表內風險承擔佔資產總額的百分率 10.81% 8

9 Non-bank Mainland Exposure (continued) 對非銀行類客户的內地相關風險承擔 ( 續 ) 6 月 30 日 On-balance sheet exposure 資產負債表內風險承擔 Off-balance sheet exposure 資產負債表外風險承擔 Total exposures 總風險承擔 1. Central government, central government-owned entities and their subsidiaries and joint ventures (JVs) 2. Local governments, local governmentowned entities and their subsidiaries and JVs 3. PRC nationals residing in Mainland China or other entities incorporated in Mainland China and their subsidiaries and JVs 4. Other entities of central government not reported in item 1 above 5. Other entities of local governments not reported in item 2 above 6. PRC nationals residing outside Mainland China or entities incorporated outside Mainland China where the credit is granted for use in Mainland China 中央政府, 中央政府控股的機構及其子公司和合資企業地方政府, 地方政府控股的機構及其子公司和合資企業内地居民及在中國内地成立的其他機構及其子公司和合資企業其他未包括在分類 1 中, 屬於中央政府的機構其他未包括在分類 2 中, 屬於地方政府的機構對非內地機構及非内地居民, 而涉及的貸款於內地使用 190, , , , Other counterparties where the exposures are considered by the reporting institution to be non-bank Mainland China exposures 其他被視為帶有中國內地非銀行類風險承擔的交易對方 Total 總額 856,454 15,931-15, ,454 Total assets after provision 扣減準備金後的資產總額 7,930,053 On-balance sheet exposures as percentage of total assets 資產負債表內風險承擔佔資產總額的百分率 10.80% 9

10 Currency risk 貨幣風險 Foreign currency exposures arising from trading, non-trading and structural positions with net position (in absolute terms) in a particular foreign currency constituting not less than 10% of the total net position in all foreign currencies are disclosed as follows: 以下披露因買賣非買賣及結構性倉盤而產生的外匯淨額 ( 按絕對數值計 ) 佔機構所持有外匯淨盤總額的 10% 或以上的外匯風險承擔 : USD 美元 Equivalent in HK$ m 港幣百萬元等值 SGD 新加坡元 Total 總計 Spot assets 現貨資產 4, ,449 Spot liabilities 現貨負債 (3,698) (429) (4,127) Forward purchases 遠期買入 4, ,968 Forward sales 遠期賣出 (4,872) (394) (5,266) Net option position 期權淨持倉量 Net long position 長倉淨持倉量 27 (3) 24 Net structural position 結構性淨持倉量 USD 美元 6 月 30 日 Equivalent in HK$ m 港幣百萬元等值 SGD 新加坡元 Total 總計 Spot assets 現貨資產 4, ,900 Spot liabilities 現貨負債 (3,941) (38) (3,979) Forward purchases 遠期買入 3, ,094 Forward sales 遠期賣出 (3,975) - (3,975) Net option position 期權淨持倉量 Net long position 長倉淨持倉量 41 (1) 40 Net structural position 結構性淨持倉量 10

11 Liquidity risks 流動性風險 Liquidity information 流動性資料 For the year ended 全年結算至 31 Dec Dec 年 2016 年 Average Liquidity Maintenance Ratio 流動性維持比率的平均值 60.30% 80.64% The average liquidity maintenance ratio ( LMR ) is the arithmetic mean of the average value of each month s average LMR. 流動性維持比率的平均值是每個月的 LMR 的平均值的算術均數 Liquidity Risk Management 流動性風險管理資金狀況 Liquidity risk is defined as the current and prospective risk to earnings, shareholders fund or reputation arising from the CIMB Bank Group s ( the Group ) inability to efficiently meet its present and future (both anticipated and unanticipated) funding needs or regulatory obligations when they come due, which may adversely affect its daily operations and incur unacceptable losses. Liquidity risk arises from mismatches in the timing of cash flows. 流動性風險是指聯昌國際銀行集團 ( 本集團 ) 無法有效地滿足當前和未來 ( 預期和未預料到 ) 的資金需求或監管的義務而產生對盈利, 股東資金或聲譽的風險, 這可能會對其日常的運營有不利影響並導致不可接受的損失流動性風險來自現金流量的時間錯配 The objective of the Group s liquidity risk management is to ensure that the Group can meet its cash obligations in a timely and cost-effective manner. To this end, the Group s liquidity risk management policy is to maintain high quality and well diversified portfolios of liquid assets and sources of funds under both business as usual (BAU) and stress conditions. Due to its large distribution network and strategic marketing focus, the Group is able to maintain a diversified core deposit base comprising savings, demand, and fixed deposits. This provides the Group a large stable funding base. 本集團的流動性風險管理目標是確保本集團能夠及時且具成本效益地履行現金義務為此, 本集團的流動性風險管理政策指在正常業務 (BAU) 和壓力的情況下能維持流動性資產和資金來源的高質量和多元化的投資組合由於本集團具有龐大的分銷網絡和戰略營銷, 本集團能夠維持多元化的核心存款基礎, 包括儲蓄, 往來和定期存款這為本集團提供了一個龐大而穩定的資金基礎 The day-to-day responsibility for liquidity risk management and control in Hong Kong is delegated to Hong Kong s Asset Liability Management Committee ( HALCO ) which subsequently report to Group ALCO ( GALCO ). HALCO and GALCO meet at least once a month to discuss the liquidity risk and funding profile of the Branch and the Group respectively. The Asset-Liability Management function, which is responsible for the independent monitoring of the Group liquidity risk profile, works closely with Treasury and Markets in its surveillance on market conditions. Business units are responsible for establishing and maintaining strong business relations with their respective depositors and key providers of funds. Like all other overseas branches and subsidiaries, the Branch seeks to be self-sufficient in funding at all times. Group Treasury only acts as a global provider of funds on a need-to or contingency basis. The Branch has to prudently manage its liquidity position to meet its daily operating needs. The Branch measures and forecasts its respective cash flows arising from the maturity profiles of assets, liabilities, off balance sheet commitments and derivatives over a variety of time horizons under normal business and stress conditions on a regular basis. 香港分行的流動性風險管理和監控的日常運營責任是委託給香港資產負債管理委員會 ( HALCO ), 並隨後向集團資產負債管理委員會 ( GALCO ) 滙報 HALCO 及 GALCO 每月至少分別召開一次會議, 相討本分行及本集團的流動性風險和融資情況負責對集團流動性風險狀況進行獨立監控的資產負債管理職能部門與資金市場部門緊密合作, 監督市場狀況業務部門負責與存款人和主要資金提供者建立和維持良好的業務關係一如其他海外分行和分公司, 本分行尋求自給自足的資金集團資金部只會在需求或應急的基礎上充當全球資金提供者本分行必須謹慎管理其流動資金狀況以滿足其日常運營需求本分行需定期在正常業務和壓力的情況下, 在各個時間範圍內測量和預測資產, 負債, 資產負債外承擔和衍生工具到期情況所產生的各項現金流 Liquidity risk undertaken by the Branch is governed by a set of established liquidity risk appetite and thresholds. Limits and Management Action Triggers (MATs) have been established to alert management to potential and emerging liquidity pressures. The Group Liquidity Risk Management Framework is subjected to regular review; assumptions and the thresholds levels are regularly reviewed in response to regulatory changes and changing business needs and market conditions. Liquidity positions are monitored on a daily basis and complied with internal risk thresholds and regulatory requirements for liquidity risk. 本分行承擔的流動資金風險受一系列既定流動資金風險偏好和門檻限制限制和管理操作觸發器 (MAT) 的建立是為了提醒管理層注意潛在的和新出現的流動性壓力集團流動性風險管理框架受到定期審查 ; 根據監管變化和不斷變化的業務需求和市場狀況, 定期審查假設和閾值水平每日監控流動資金狀況並遵守內部風險門檻和流動性風險的監管要求 The Branch s contingency funding plan is in place to alert and to enable the management to act effectively and efficiently during a liquidity crisis and under adverse market conditions. The plan consists of two key components: an early warning system and a funding crisis management team. The early warning system is designed to alert the Branch s management whenever the Branch s liquidity position may be at risk. It provides the Branch with the analytical framework to detect a likely liquidity problem and to evaluate the Branch s funding needs and strategies in advance of a liquidity crisis. The early warning system is made up of a set of indicators (monitored against pre-determined thresholds) that can reliably signal the financial strength and stability of the Branch. 本分行的應急融資計劃能提醒並使管理層在流動性危機期間及市況不利情況下有效地採取行動該計劃由兩個關鍵部分組成 : 一個預警系統和一個資金危機管理團隊每當本分行的流動性狀況可能面臨風險時, 預警系統旨在提醒本分行的管理層它為本分行提供了分析框架, 以檢測流動性問題, 並在流動性危機之前評估本分行的資金需求和策略預警系統由一系列指標組成 ( 監測預先確定的閾值 ), 可以可靠地反映本分行的財務實力和穩定性 11

12 Liquidity risks (continued) 流動性風險 ( 續 ) Liquidity Risk Management (continued) 流動性風險管理資金狀況 ( 續 ) The Group is measuring, monitoring and managing its liquidity positions to comply with the regulatory Basel III Liquidity Coverage Ratio (LCR) guidelines and limits. The Branch is using Liquidity Maintenance Ratio (LMR). The purpose of the LCR / LMR is to promote short term liquidity risk resilience by ensuring that the Group or the Branch has sufficient unencumbered high quality liquid assets to meet its liquidity needs for a 30-day combined liquidity crisis scenario. In addition, the Group also performs a consolidated stress test, including liquidity stress test, on a semi-annual basis to identify vulnerable areas in its portfolio, gauge the financial impact and enable management to take pre-emptive actions. Two scenarios, namely bank specific crisis and systemic crisis, are modelled. The assumptions used, including runoff rates on deposits, draw down rates on undrawn commitments, and hair cuts for marketable securities, are documented. The LCR /LMR and stress test results are submitted to the HALCO and GALCOs, the Group Risk Committee, and the Board Risk Committees / Board of Directors of the Group, where relevant. The LCR /LMR and stress test results to date have indicated that the Group has sufficient liquidity capacity to meet the liquidity requirements under stated stress test conditions. 本集團以符合巴塞爾協議 III 的流動性覆蓋率 ( LCR ) 準則和限額測量, 監控和管理其流動資金狀況而本分行正使用流動性維持比率 ( LMR ) LCR / LMR 的目的在於通過確保本集團或本分行擁有足夠的未支配高質量流動資產以滿足其 30 天綜合流動性危機情況的流動性需求, 從而提升短期流動性風險抵禦能力此外, 本集團亦每半年進行一次綜合壓力測試, 包括流動性壓力測試, 以識別其投資組合中的脆弱區域, 衡量財務影響並使管理層採取搶先的行動模擬了兩種情況, 即銀行特定的危機和系統性危機所使用的假設 ( 包括存款利差率 ) 降低了未提取承諾的利率, 並對有價證券進行了削減將 LCR/LMR 和壓力測試結果提交給 HALCO 和 GALCO, 集團風險委員會和董事會風險委員會 / 董事會 LCR/LMR 及壓力測試結果顯示, 本集團及本分行擁有足夠的流動資金能力以符合規定壓力測試條件下的流動資金需求 Remuneration disclosures 薪酬披露 The remuneration disclosure pursuant to Supervisory Policy Manual (CG-5) Guideline on a Sound Remuneration System issued by the HKMA forms part of the disclosures made in CIMB Group Holdings Berhad s Annual Report. Accordingly, the Branch does not separately provide such remuneration disclosure. 根據香港金融管理局頒布的監管政策手冊 (CG-5) 穩健的薪酬制度指引的薪酬披露構成聯昌國際集團控股有限公司年報所作披露的一部分因此, 本分行不單獨提供有關薪酬披露 12

13 Consolidated Group Level Disclosure 綜合集團層面的披露 The information set out below is based on the consolidated accounts of CIMB Bank Berhad. 以下所載資料乃根據聯昌國際銀行有限公司的綜合賬目編制 Capital and capital adequacy 資本及資本充足比率 6 月 30 日 RM m/% RM m/% 百萬馬幣 / 百分比百萬馬幣 / 百分比 Shareholders equity 股東權益 38,105 36,761 Capital adequacy ratio Common equity Tier 1 ratio 普通股權益第一級資本比率 12.23% 11.93% Tier 1 ratio 第一級資本比率 13.38% 13.13% Total capital ratio 總資本比率 16.99% 16.80% Other financial information 其他財務資料 6 月 30 日 RM m/% RM m/% 百萬馬幣 / 百分比百萬馬幣 / 百分比 Total assets 資產總額 417, ,636 Total liabilities 負債總額 378, ,876 Total loans and advances 貸款及放款總計 261, ,660 Total customer deposits 客戶存款總計 295, ,325 For the year ended 全年結算至 31 Dec Dec 年 2016 年 RM m RM m 百萬馬幣百萬馬幣 Profit before tax 除稅前利潤 4,934 4,176 13

Microsoft Word - CIMBHK.FD disclosure v2

Microsoft Word - CIMBHK.FD disclosure v2 (Incorporated in Malaysia) ( 於馬來西亞註冊成立 ) Financial Disclosure Statements 財務披露報表 For the six months period ended 30 June 2018 截至 2018 年 6 月 30 日止 6 個月期間 Financial Disclosure Statements for the six months