(Incorporated in Malaysia) ( 於馬來西亞註冊成立 ) Financial Disclosure Statements 財務披露報表 For the year ended 31 December 2018 截至 2018 年 12 月 31 日止年度
Financial Disclosure Statements for the year ended 31 December 2018 截至 2018 年 12 月 31 日止年度的財務披露報表 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 (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, our Head Office s internet website (www.cimb.com) and the Public Registry of HKMA. 本公佈內披露有關聯昌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, 本分行總行的互聯網網站 (www.cimb.com) 及香港金融管理局公共查冊處索閱 Income Statement 損益表 31 Dec 2018 2018 年 12 月 31 日 For the year ended 全年結算至 31 Dec 2017 2017 年 12 月 31 日 Interest income 利息收入 193,060 145,108 Interest expenses 利息支出 (143,478) (99,486) Net interest income 淨利息收入 49,582 45,622 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 64,827 41,777 Net (losses) / gains on securities held for trading purposes 來自持有作交易用途的證券的淨 ( 虧損 )/ 收益 (34,182) 2,432 Net gains / (losses) from other trading activities 來自其他交易活動的淨收益 / ( 虧損 ) 22,349 (11,175) Net fees and commission income 收費及佣金淨收入 15,912 2,945 Other income 其他收入 12,995 15,424 Total operating income 總營運收入 131,483 97,025 Operating expenses 經營開支 (77,264) (75,354) Net charge of 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 (3,005) - Profit before taxation 除稅前利潤 51,214 21,671 Tax income 稅項收入 6,759 - Profit after taxation 除稅後利潤 57,973 21,671 1
Balance Sheet 資產負債表 Assets 資產 Cash and balances with banks 現金及銀行結餘 807,749 355,716 Due from Exchange Fund 存放外匯基金存款 14,071 10,100 Amount due from overseas offices of the institution 存放於該機構的海外辦事處的數額 931,057 1,255,986 Reverse repurchase agreements 反向回購協議 374,853 233,424 Certificates of deposits held 持有的存款證 843,997 613,887 Securities held for trading purposes 持有作交易用途的證券 638,674 595,288 Loans and receivables 貸款及應收款項 4,814,957 2,564,948 Investment securities 投資證券 715,168 753,619 Tangible fixed assets 有形固定資產 5,451 5,064 Total assets 資產總額 9,145,977 6,388,032 Liabilities 負債 Deposits and balances from banks 尚欠銀行存款及結餘 2,246,701 3,274,215 Deposits from customers 客戶存款 2,982,563 1,882,827 Amount due to overseas offices of the institution 結欠該機構的海外辦事處的數額 3,354,286 1,067,707 Repurchase agreements 回購協議 257,602 148,100 Other liabilities and provisions 其他負債及準備金 355,385 91,742 Reserves 儲備 (50,560) (76,559) Total liabilities 負債總額 9,145,977 6,388,032 2
Income Statement Additional Information 損益帳額外資料 Other income 其他收入 31 Dec 2018 2018 年 12 月 31 日 For the year ended 全年結算至 31 Dec 2017 2017 年 12 月 31 日 Services fee earned from overseas offices 收取海外辦事處的服務收入 9,838 10,158 Income from non-trading investments 非交易投資收入 3,157 5,266 12,995 15,424 Operating expenses 經營開支 31 Dec 2018 2018 年 12 月 31 日 For the year ended 全年結算至 31 Dec 2017 2017 年 12 月 31 日 Staff expenses 員工開支 45,879 46,624 Rental expenses 租金開支 11,137 10,100 Others 其他 20,248 18,630 77,264 75,354 Balance Sheet Additional Information 資產負債表額外資料 Cash and balance with banks 現金及銀行結餘 Cash 現金 684,369 178,472 Balance with banks 銀行結餘 123,380 20,317 Placement with banks maturing within one month 於一個月內到期的銀行存款 - 156,943 Impairment allowance on placement with banks 銀行存款減值準備 Collective impairment allowances 組合減值準備 - (16) Individual impairment allowances 個別減值準備 - - 807,749 355,716 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 allocated to 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集中評估並分配給本分行計提 3
Balance Sheet Additional Information (continued) 資產負債表額外資料 ( 續 ) Loans and receivables 貸款及應收款項 Advances to customers 客戶貸款 4,711,634 2,451,339 Impairment allowances 貸款減值準備 Collective impairment allowances 組合減值準備 (2,979) - Individual impairment allowances 個別減值準備 - - Accrued interest receivable 應收利息 29,789 20,778 Other accounts and receivables 其他賬目及應收帳款 76,513 92,831 4,814,957 2,564,948 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 allocated to the Branch. As at 30 June 2018, 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集中評估並分配給本分行計提, 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 As at 31 December 2018 and 30 June 2018, there were no loans and advances to customers or banks which are individually determined to be impaired. 及 2018 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 Deposits from customers 客戶存款 Demand deposits and current accounts 活期存款及往來帳戶 124,858 94,020 Savings deposits 儲蓄存款 8,981 12,341 Time deposits 定期存款 2,848,724 1,776,466 2,982,563 1,882,827 Other liabilities and provisions 其負債及準備金 Accrued interest payable 應付利息 22,077 14,739 Other accounts and payables 其他帳目及應付帳款 333,308 77,003 355,385 91,742 4
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 Exchange rate contracts 滙率關聯衍生工具合約 11,710,967 6,795,125 Interest rate contracts 利率衍生工具合約 798,035 820,813 12,509,002 7,615,938 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 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 34,052 37,122 50,566 50,906 Interest rate contracts 利率衍生工具合約 11,159 5,127 25,772 103 45,211 42,249 76,338 51,009 Contingent liabilities and commitments 或然負債和承擔 Direct credit substitutes 直接信貸替代項目 40,881 40,962 Other commitments 其他承諾 2,413,155 2,831,877 Others (forward forward deposit placed) 其他 ( 遠期有期存款 ) - 78,472 2,454,036 2,951,311 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 5
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 340 522 105 4,745-5,712 of which: Hong Kong 其中 : 香港 340 432 50 4,745-5,567 Developing Asia-Pacific 發展中的亞太區國家 2,080 333 226 37-2,676 of which: Malaysia 其中 : 馬來西亞 995-995 China 中國 963 320 162 - - 1,445 Offshore centres 離岸中心 137 571 154 2,486-3,348 of which: Hong Kong 其中 : 香港 137 569 112 2,486-3,304 Developing Asia-Pacific 發展中的亞太區國家 2,589 4 59 29-2,681 of which: Malaysia 其中 : 馬來西亞 1,363-1,363 China 中國 1,053-40 - - 1,093 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 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 4,711,634 Hong Kong 香港 2,451,339 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 6
Advances to customers by industry sectors 客戶貸款按行業分類資料 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 Industrial, commercial and financial 在香港使用的貸款工業 商業及金融 Property development 物業發展 1,000,000 0% - 0% Electricity and gas 電力及氣體燃料 - 0% 800,000 0% Recreational activities 娛樂活動 783,155 0% - 0% Transport and transport equipment 運輸及運輸設備 570,000 0% 570,000 0% 2,353,155 0% 1,370,000 0% Loans for use outside Hong Kong 在香港以外使用的貸款 2,358,479 0% 1,081,339 0% 4,711,634 0% 2,451,339 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 As at 31 December 2018 and 30 June 2018, there were no overdue loans and advances to customers or banks. 及 2018 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 As at 31 December 2018 and 30 June 2018, there were no rescheduled loans and advances to customers or banks. 及 2018 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 Analysis of overdue other assets 其他過期資產 As at 31 December 2018 and 30 June 2018, there were no other overdue assets. 及 2018 年 6 月 30 日, 本分行並無其他過期資產 Repossessed assets 收回資產 As at 31 December 2018 and 30 June 2018, there were no repossessed assets. 及 2018 年 6 月 30 日, 本分行並無經收回資產 7
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 306,069 1,096,417 1,402,486 800,802-800,802 51,456-51,456 1,177,605-1,177,605 7. 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 2,335,932 1,096,417 3,432,349 Total assets after provision 扣減準備金後的資產總額 9,145,977 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 25.54% 8
Non-bank Mainland Exposures (continued) 對非銀行類客户的內地相關風險承擔 ( 續 ) 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 306,194 1,098,603 1,404,797 800,864-800,864 7. 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 1,107,058 1,098,603 2,205,661 Total assets after provision 扣減準備金後的資產總額 6,388,032 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 17.33% 9
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 : Equivalent in HK$ m 港幣百萬元等值 USD 美元 JPY 日元 CNY 人民幣 CAD 加拿大元 AUD 澳元 SGD 新加坡元 NZD 紐西蘭元 Total 總計 Spot assets 現貨資產 5,359 77 633 4 4 92 3 6,172 Spot liabilities 現貨負債 (4,027) (5) (485) (116) - (125) - (4,758) Forward purchases 遠期買入 5,072 9 627 115-124 - 5,947 Forward sales 遠期賣出 (6,397) (80) (774) (5) (5) (92) (2) (7,355) Net option position 期權淨持倉量 - - Net long position 長倉淨持倉量 7 1 1 (2) (1) (1) 1 6 Net structural position 結構性淨持倉量 - - USD 美元 JPY 日元 CNY 人民幣 Equivalent in HK$ m 港幣百萬元等值 CAD 加拿大元 AUD 澳元 SGD 新加坡元 NZD 紐西蘭元 Total 總計 Spot assets 現貨資產 4,266 87-2 3 4 1 4,363 Spot liabilities 現貨負債 (4,258) - (3) - - (187) - (4,448) Forward purchases 遠期買入 3,404 55 16 - - 182-3,657 Forward sales 遠期賣出 (3,419) (141) (12) (3) (4) - (2) (3,581) Net option position 期權淨持倉量 - - Net long position 長倉淨持倉量 (7) 1 1 (1) (1) (1) (1) (9) Net structural position 結構性淨持倉量 - - Liquidity risks 流動性風險 Liquidity information 流動性資料 For the quarter ended For the year ended 季度期間至全年結算至 31 Dec 2018 31 Dec 2017 2018 年 12 月 31 日 2017 年 12 月 31 日 % % Average Liquidity Maintenance Ratio 流動性維持比率的平均值 66.88% 60.30% The quarterly average liquidity maintenance ratio ( LMR ) is the arithmetic mean of average value of each month s average LMR during the quarter. 季度期間的流動性維持比率的平均值是該季度內每個月的 LMR 的平均值的算術均數 The annual average liquidity maintenance ratio ( LMR ) is the arithmetic mean of the average value of each month s average LMR during the year. 年度的流動性維持比率的平均值是該 12 個月內每個月的 LMR 的平均值的算術均數 10
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 meets 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 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 limits and appetite. The Group Liquidity Risk Management Framework is subjected to regular review; assumptions and the limits are regularly reviewed in response to regulatory changes and changing business needs and market conditions. Liquidity risk positions are monitored on a daily basis and complied with internal risk limits and regulatory requirements for liquidity risk. 本分行承擔的流動性風險受一系列既定流動性風險限額和偏好 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, 定期審查假設和限額 每日監控流動性風險狀況並遵守內部風險限額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 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. The Group also performs a consolidated stress test, including liquidity stress test, semi-annually to identify vulnerable areas in its portfolio, gauge the financial impact and enable management to take pre-emptive actions. The LCR /LMR and stress test results are submitted to the HALCO and GALCOs, the Group Risk and Compliance Committee, and the Board Risk and Compliance 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. 11
Liquidity Risk Management (continued) 流動性風險管理資金狀況 ( 續 ) 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 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 將 LCR/LMR 和壓力測試結果提交給 HALCO 和 GALCO, 集團風險和合規委員會和董事會風險和合規委員會 / 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 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 RM m/% RM m/% 百萬馬幣 / 百分比 百萬馬幣 / 百分比 Shareholders equity 股東權益 41,127 38,621 Capital adequacy ratio 資本充足比率 Common equity Tier 1 ratio 普通股權益第一級資本比率 12.89% 12.28% Tier 1 ratio 第一級資本比率 13.97% 13.36% Total capital ratio 總資本比率 17.83% 17.52% Other financial information 其他財務資料 RM m RM m 百萬馬幣 百萬馬幣 Total assets 資產總額 451,933 435,457 Total liabilities 負債總額 410,805 396,836 Total loans and advances 貸款及放款總計 284,469 272,243 Total customer deposits 客戶存款總計 319,243 293,820 For the year ended 全年結算至 31 Dec 2018 31 Dec 2017 2018 年 12 月 31 日 2017 年 12 月 31 日 RM m RM m 百萬馬幣 百萬馬幣 Profit before tax 除稅前利潤 5,061 4,934 12