01111创兴银行 中期报告.ppt

InterimReport2012,ChongHingBankLimited,2,4,5,6,7,8,10,59,60,64,66,68,69,70,79,目 錄CONTENTS,公司資料簡明綜合損益賬簡明綜合全面收益表簡明綜合財務狀況表簡明綜合股東權益轉變表簡明綜合現金流動表簡明綜合財務報表之附註,Corporate InformationCondensed Consolidated Income StatementCondensed Consolidated Statement of Comprehensive IncomeCondensed Consolidated Statement of Financial PositionCondensed Consolidated Statement of Changes in EquityCondensed Consolidated Statement of Cash FlowsNotes to the Condensed Consolidated Financial Statements,補充資料審閱報告中期股息,405859,Supplementary InformationReport on Review of Interim Financial InformationInterim Dividend,過戶日期本銀行上市股份之購買、出售或贖回董事資料變動披露董事（包括行政總裁）之證券權益及淡倉,59,Closure of Register of MembersPurchase,Sale or Redemption of the Banks Listed SecuritiesDisclosure of Changes in Directors InformationDirectors(including the Chief Executive Officers)Interests and,1,Short Positions in Securities,主要股東之證券權益及淡倉遵守企業管治守則於香港聯合交易所有限公司及本銀行網站發佈業績主席報告書中期財務資料之審閱,Substantial Shareholders Interests and Short Positions in SecuritiesCompliance with Corporate Governance CodePublication of Results on the Websites ofThe Stock Exchange of Hong Kong Limited and the BankChairmans StatementReview of Interim Financial Information,董事會,80,Board of Directors,二零一二年中期報告,創興銀行有限公司,2,公 司 資 料CORPORATE INFORMATION於二零一二年八月八日as of 8 August 2012,榮譽主席廖烈文先生=GBS,JP,FIBA董事會常務董事廖烈武博士 LLD,MBE,JP（主席）廖烈智先生（董事總經理兼行政總裁）廖鐵城先生（副行政總裁）劉惠民先生（副行政總裁）廖俊寧先生曾昭永先生王克嘉先生非常務董事何家樂先生廖駿倫先生堀越秀一先生廖坤城先生周卓如先生=BBS,JP孟慶惠先生獨立非常務董事陳有慶博士 GBS,LLD,JP范華達先生謝德耀先生鄭毓和先生馬照祥先生,Honorary ChairmanMr LIU Lit Man,GBS,JP,FIBABoard of DirectorsExecutive DirectorsDr LIU Lit Mo,LLD,MBE,JP(Chairman)Mr LIU Lit Chi(Managing Director&Chief Executive Officer)Mr Don Tit Shing LIU(Deputy Chief Executive Officer)Mr LAU Wai Man(Deputy Chief Executive Officer)Mr Wilfred Chun Ning LIUMr TSANG Chiu WingMr WONG Har KarNon-executive DirectorsMr HE JialeMr Andrew LIUMr Hidekazu HORIKOSHIMr Christopher Kwun Shing LIUMr Alfred Cheuk Yu CHOW,BBS,JPMr MENG QinghuiIndependent Non-executive DirectorsDr Robin Yau Hing CHAN,GBS,LLD,JPMr Timothy George FRESHWATERMr Wanchai CHIRANAKHORNMr CHENG Yuk WoMr Andrew Chiu Cheung MA,InterimReport2012,ChongHingBankLimited,3,公 司 資 料CORPORATE INFORMATION於二零一二年八月八日as of 8 August 2012,總經理屈肇祥先生零售銀行處陳凱傑先生財務及資金管理處朱惠雄先生財富管理處楊建華先生企業事務處公司秘書兼法律顧問李婉華女士企業銀行業務處註冊辦事處香港德輔道中二十四號創興銀行中心地下電話：(852)3768 1111,General ManagersMr Patrick Siu Cheung WATRetail Banking DivisionMr Frederick Hoi Kit CHANFinance&Treasury Management DivisionMr Kevin Wai Hung CHUWealth Management DivisionMr Michael Kin Wah YEUNGCorporate Affairs DivisionCompany Secretary&Legal CounselMs Teresa Yuen Wah LEECorporate&Commercial Banking DivisionRegistered OfficeGround Floor,Chong Hing Bank Centre24 Des Voeux Road Central,Hong KongTelephone:(852)3768 1111,傳真：(852)3768 1888電訊：75700 LCHB HX,FacsimileTelex,:(852)3768 1888:75700 LCHB HX,環球銀行財務電信代號：LCHB HK HH,SWIFT BIC:LCHB HK HH,網址：http:/電郵：,WebsiteE-mail,:http:/:,Smartphone quick website access code智 能 手 機 快 速 上 網 代 碼,主要法律顧問蔣尚義律師行的近律師行何君柱、方燕翔律師樓周卓如律師行核數師德勤關黃陳方會計師行股份登記及過戶處香港中央證券登記有限公司股份代號及簡稱本銀行（一）股份及（二）於二零二零年到期之後償票據於香港聯合交易所有限公司之股份代號及簡稱分別為（一）01111（創興銀行）及（二）04327（CH BANK N2011）。,Principal Legal AdvisersAnthony Chiang&PartnersDeaconsK C Ho&FongKwan&ChowAuditorsDeloitte Touche TohmatsuShare Registrar and Transfer OfficeComputershare Hong Kong Investor Services LimitedStock Codes and Short NamesThe Stock Exchange of Hong Kong Limiteds Stock Codes and Short Namesin respect of the Banks(i)shares and(ii)subordinated notes due 2020are(i)01111(CHONG HING BANK)and(ii)04327(CH BANK N2011),respectively.,二零一二年中期報告,創興銀行有限公司,4,5,6,6,7,8,4,11,簡 明 綜 合 損 益 賬CONDENSED CONSOLIDATED INCOME STATEMENT截至二零一二年六月三十日止六個月for the six months ended 30 June 2012六月三十日止六個月Six months ended 30 June,2012港幣千元HK$000,2011港幣千元HK$000,附註Notes,(未經審核)(Unaudited),(未經審核)(Unaudited)（重申）(Restated),利息收入利息支出淨利息收入費用及佣金收入費用及佣金支出淨費用及佣金收入按公平值列賬及列入損益賬之金融工具之淨溢利（虧損）,Interest incomeInterest expenseNet interest incomeFee and commission incomeFee and commission expenseNet fee and commission incomeNet gains(losses)onfinancial instruments,782,675(382,124)400,551122,059(30,182)91,877,624,882(238,222)386,660141,592(27,892)113,700,at fair value through,公平值對沖之淨溢利（虧損）,profit or lossNet gains(losses)onfair value hedge,28,358727,(24,661)(23,533),其他營業收入營業支出貸款減值準備,Other operating incomeOperating expensesImpairment allowances on,122,660(387,075)257,098,325,219(391,426)385,959,loans and advances,新增減值減值回撥出售物業及設備之淨虧損出售可供出售證券之淨溢利出售投資物業及其公平值調整之淨溢利,-New allowances-Amounts reversedNet losses on disposal ofproperty and equipmentNet gains on disposal ofavailable-for-sale securitiesNet gains on disposal of and,(4,716)39,14834,432(8)468,(39,773)115,81776,044(11)7,fair value adjustments on,所佔共同控制個體之溢利,investment propertiesShare of profits of jointlycontrolled entities,17,6,64610,387,5,86313,638,除稅前溢利稅項香港海外遞延稅項期內溢利屬於本銀行擁有人每股盈利基本,Profit before taxationTaxation-Hong Kong-Overseas-Deferred taxProfit for the period-attributable to ownersof the BankEarnings per share-basic,10,309,023(39,828)(9,006)(440)(49,274)259,749HK$0.60,481,500(71,711)(1,614)1,618(71,707)409,793HK$0.94,InterimReport2012,ChongHingBankLimited,簡 明 綜 合 全 面 收 益 表CONDENSED CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME截至二零一二年六月三十日止六個月for the six months ended 30 June 2012六月三十日止六個月Six months ended 30 June,2012港幣千元HK$000(未經審核)(Unaudited),2011港幣千元HK$000(未經審核)(Unaudited)（重申）(Restated),期內溢利其他全面收益因折算之外匯調整期內可供出售證券其公平值調整之溢利（虧損）所佔共同控制個體之其他全面收益（支出）,Profit for the periodOther comprehensive incomeExchange differences arisingon translationFair value gains(losses)onavailable-for-sale securitiesarising during the periodShare of other comprehensiveincome(expense)of,259,749(3,628)66,158,409,7932,778(1,631),因出售可供出售證券導致重新分類到損益賬之金額關於出售可供出售證券之所得稅影響關於可供出售證券公平值調整之,jointly controlled entitiesAmount reclassified to theprofit or loss upon disposal ofavailable-for-sale securitiesIncome tax effect relating todisposal of available-for-sale securitiesIncome tax effect relating to fair value,250(468)77,(119)(7)1,5,所得稅影響期內其他全面收益（除稅後）期內全面收益總額期內全面收益總額屬於：,change on available-for-sale securitiesOther comprehensive income for the period(net of tax)Total comprehensive income for the periodTotal comprehensive income for the period,(10,733)51,656311,405,(383)639410,432,attributable to:,本銀行擁有人,Owners of the Bank,311,405,410,432,二零一二年中期報告,創興銀行有限公司,13,15,15,15,16,6,21,簡 明 綜 合 財 務 狀 況 表CONDENSED CONSOLIDATED STATEMENT OF FINANCIAL POSITION於二零一二年六月三十日as at 30 June 2012,二零一二年六月三十日,二零一一年十二月三十一日,30 June 2012 31 December 2011,港幣千元HK$000,港幣千元HK$000,資產,Assets,附註Notes,(未經審核)(Unaudited),(重申)(Restated),庫存現金及短期資金存放同業及其他財務機構於一至十二個月內到期之款項,Cash and short-term fundsPlacements with banks andother financial institutions,15,065,827,18,659,276,maturing between one to,twelve months,3,628,438,2,169,007,衍生金融工具,Derivative financial instruments,14,189,249,129,556,按公平值列賬及列入損益賬之,Financial assets at fair value,金融資產可供出售之證券持至到期日之證券貸款及其他賬項共同控制個體權益,through profit or lossAvailable-for-sale securitiesHeld-to-maturity securitiesAdvances and other accountsInterests in jointly controlledentities,1,515,8232,983,53210,698,20344,437,151164,509,1,845,5891,846,4858,288,08243,247,956153,872,投資物業物業及設備預付土地租金遞延稅項資產商譽資產總額,Investment propertiesProperty and equipmentPrepaid lease payments for landDeferred tax assetsGoodwillTotal assets,17181924,129,164951,8742,4445,65750,60679,822,477,127,171918,9682,48316,86150,60677,455,912,負債同業及其他財務機構存款及結餘,LiabilitiesDeposits and balances of banks,於回購協議下出售之金融資產,and other financial institutionsFinancial assets sold under,2,964,263,1,086,836,repurchase agreements,20,366,975,420,652,客戶存款,Deposits from customers,65,009,008,64,815,713,存款證衍生金融工具其他賬項及應付費用應付稅款借貸資本遞延稅項負債負債總額,Certificates of depositDerivative financial instrumentsOther accounts and accrualsCurrent tax liabilitiesLoan capitalDeferred tax liabilitiesTotal liabilities,22142324,1,615,577215,497652,43565,3641,894,6826,78972,790,590,1,545,562265,696558,49531,1761,852,1536,89770,583,180,屬於本銀行擁有人的資金,Equity attributable toowners of the Bank,股本儲備資金總額負債及資金總額,Share capitalReservesTotal equityTotal liabilities and equity,217,5006,814,3877,031,88779,822,477,217,5006,655,2326,872,73277,455,912,ChongHingBankLimited,InterimReport2012,簡 明 綜 合 股 東 權 益 轉 變 表CONDENSED CONSOLIDATED STATEMENT OF CHANGES IN EQUITY截至二零一二年六月三十日止六個月for the six months ended 30 June 2012投資重估儲備,股本,股本溢價,Investment,公積金 換算儲備 法定儲備 保留溢利,Share,Share,商譽 revaluation General Translation Regulatory Retained,總額,capital,premium Goodwill,reserve reserve,reserve,reserve,profits,Total,附註 港幣千元Notes HK$000,港幣千元 港幣千元 港幣千元 港幣千元 港幣千元 港幣千元 港幣千元 港幣千元HK$000 HK$000 HK$000 HK$000 HK$000 HK$000 HK$000 HK$000（重申）（重申）(Restated)(Restated),於二零一二年一月一日,At 1 January 2012,（原來價值）,(as originally stated),217,500 1,542,817,(182),33,807 1,388,500,21,648,408,000 3,250,502 6,862,592,會計政策轉變之影響,Effect of change in,accounting policies,2,10,140,10,140,於二零一二年一月一日,At 1 January 2012,（重申）,(restated),217,500 1,542,817,(182),33,807 1,388,500,21,648,408,000 3,260,642 6,872,732,期內溢利,Profit for the period,259,749,259,749,期內其他全面（支出）收益,Other comprehensive(expense)income,for the period,55,284,(3,628),51,656,期內全面（支出）收益總額,Total comprehensive(expense)income,for the period,55,284,(3,628),259,749,311,405,已派二零一一年年度末期股息,Final dividend paid for,financial year 2011,12,(152,250)(152,250),於保留溢利中特別指定之法定儲備回撥,Reversal of earmark ofretained profits as,於二零一二年六月三十日,regulatory reserveAt 30 June 2012,(12,000),12,000,7,（未經審核）,(unaudited),217,500 1,542,817,(182),89,091 1,388,500,18,020,396,000 3,380,141 7,031,887,於二零一一年一月一日,At 1 January 2011,（原來價值）,(as originally stated),217,500 1,542,817,(182),106,220 1,388,500,15,101,331,000 2,976,973 6,577,929,會計政策轉變之影響,Effect of change in,accounting policies,2,8,879,8,879,於二零一一年一月一日,At 1 January 2011,（重申）,(restated),217,500 1,542,817,(182),106,220 1,388,500,15,101,331,000 2,985,852 6,586,808,期內溢利,Profit for the period,409,793,409,793,期內其他全面（支出）收益,Other comprehensive(expense)income,for the period,(2,139),2,778,639,期內全面（支出）收益總額,Total comprehensive(expense)income,for the period,(2,139),2,778,409,793,410,432,已派二零一零年年度末期股息,Final dividend paid for,financial year 2010,12,(152,250)(152,250),於保留溢利中特別指定之法定儲備,Earmark of retainedprofits as regulatory,reserve,66,000,(66,000),於二零一一年六月三十日,At 30 June 2011,（未經審核）（重申）,(unaudited)(restated),217,500 1,542,817,(182),104,081 1,388,500,17,879,397,000 3,177,395 6,844,990,法定儲備之成立乃為符合香港金融管理 The regulatory reserve is set up in compliance with the Hong Kong Monetary Authoritys requirements and is distributable to the局之要求及法定儲備派發予本銀行股東 shareholders of the Bank subject to consultation with the Hong Kong Monetary Authority.前須諮詢香港金融管理局之意見。公積金包括以往年度保留溢利之調撥。The general reserve comprises transfers from previous years retained profits.,創興銀行有限公司,二零一二年中期報告,33,33,8,11,(7),8,簡 明 綜 合 現 金 流 動 表CONDENSED CONSOLIDATED STATEMENT OF CASH FLOWS截至二零一二年六月三十日止六個月for the six months ended 30 June 2012六月三十日止六個月Six months ended 30 June,2012港幣千元HK$000(未經審核)(Unaudited),2011港幣千元HK$000(未經審核)(Unaudited),經營業務,OPERATING ACTIVITIES,除稅前溢利調整：淨利息收入折舊預付土地租金之釋放出售物業及設備之淨虧損出售投資物業及其公平值調整之淨溢利出售可供出售證券之淨溢利貸款減值回撥準備之淨額公平值對沖之淨（溢利）虧損投資股息收入所佔共同控制個體之溢利匯兌調整營運資產及負債變動前之營運現金流營運資產之（增額）減額：其他賬項逾三個月到期之通知及短期存款逾三個月到期之外匯基金票據逾三個月到期之存放同業及其他財務機構之款項按公平值列賬及列入損益賬之金融資產應收票據貿易票據其他客戶貸款同業及其他財務機構貸款營運負債之增額（減額）：逾三個月到期之同業及其他財務機構存款及結餘於回購協議下出售之金融資產存款證客戶存款其他賬項及應付費用衍生金融工具經營業務之現金收入（支出）已付香港利得稅稅款已付海外稅款已收利息已付利息經營業務之現金收入（支出）淨額,Profit before taxationAdjustments for:Net interest incomeDepreciationRelease of prepaid lease payments for landNet losses on disposal of property and equipmentNet gains on disposal of and fair value adjustmentson investment propertiesNet gains on disposal of available-for-sale securitiesNet reversals of impairment allowances on loans andadvancesNet(gains)losses on fair value hedgeDividend income from investmentsShare of profits of jointly controlled entitiesExchange adjustmentsOperating cash flows before movements in operatingassets and liabilities(Increase)decrease in operating assets:Other accountsMoney at call and short notice with original maturityover three monthsExchange fund bills with original maturity overthree monthsPlacements with banks and other financial institutionswith original maturity over three monthsFinancial assets at fair value through profit or lossBills receivableTrade billsOther advances to customersAdvances to banks and other financial institutionsIncrease(decrease)in operating liabilities:Deposits and balances of banks and otherfinancial institutions with original maturity overthree monthsFinancial assets sold under repurchase agreementsCertificates of depositDeposits from customersOther accounts and accrualsDerivative financial instrumentsCash generated from(used in)operationsHong Kong Profits Tax paidOverseas tax paidInterest receivedInterest paidNET CASH GENERATED FROM(USED IN)OPERATING ACTIVITIES,309,023(400,551)29,175(6,646)(468)(34,432)(727)(6,036)(10,387)(5,170)(126,178)(72,184)263,579(56)(661,431)329,76610,376101,5681,004,711(2,152,219)1,388,924(53,677)70,015193,29570,034(88,161)278,362(5,640)(9,006)622,913(324,545)562,084,481,500(386,660)26,724(5,863)(76,044)23,533(4,341)(13,638)1,67146,919(207,752)(1,321,161)(100,506)300,49982,417(41,538)(148,617)(2,494,280)234,664324,504524,507199,803(2,611,713)177,64717,955(5,016,652)(6,405)(1,593)488,238(199,997)(4,736,409),ChongHingBankLimited,InterimReport2012,3,9,簡 明 綜 合 現 金 流 動 表CONDENSED CONSOLIDATED STATEMENT OF CASH FLOWS截至二零一二年六月三十日止六個月for the six months ended 30 June 2012六月三十日止六個月Six months ended 30 June,2012港幣千元HK$000(未經審核)(Unaudited),2011港幣千元HK$000(未經審核)(Unaudited),投資業務收取可供出售之證券及持至到期日之,INVESTING ACTIVITIESInterest received on available-for-sale securities,證券利息收取投資之股息收取由共同控制個體的股息購入可供出售證券購入持至到期日之證券購入物業及設備出售及贖回可供出售證券所得款項贖回持至到期日之證券所得款項出售物業及設備所得款項出售投資物業所得款項投資業務之現金（支出）收入淨額融資業務借貸資本之利息支出回購借貸資本支付股息融資業務之現金支出淨額淨現金及等同現金項目減額一月一日之現金及等同現金項目六月三十日之現金及等同現金項目代表：庫存現金及存放同業及其他財務機構款項原定到期日少於三個月之通知及短期存款原定到期日少於三個月之外匯基金票據原定到期日少於三個月之存放同業及其他財務機構之款項原定到期日少於三個月之同業及其他財務機構存款及結餘,and held-to-maturity securitiesDividends received on investmentsDividends received from jointly controlled entitiesPurchase of available-for-sale securitiesPurchase of held-to-maturity securitiesPurchase of property and equipmentProceeds from sale and redemption ofavailable-for-sale securitiesProceeds from redemption of held-to-maturitysecuritiesProceeds from disposals of property and equipmentProceeds from disposal of an investment propertyNET CASH(USED IN)GENERATED FROMINVESTING ACTIVITIESFINANCING ACTIVITIESInterest paid on loan capitalRepurchase of loan capitalDividends paidNET CASH USED IN FINANCING ACTIVITIESNET DECREASE IN CASH ANDCASH EQUIVALENTSCASH AND CASH EQUIVALENTSAT 1 JANUARYCASH AND CASH EQUIVALENTS AT 30 JUNERepresented by:Cash and balances with banks and other financialinstitutionsMoney at call and short notice withoriginal maturity of less than three monthsExchange fund bills with original maturity ofless than three monthsPlacements with banks and other financialinstitutions with original maturity of less thanthree monthsDeposits and balances of banks and other financialinstitutions with original maturity of less thanthree months,112,589