CIMB Bank Berhad, Hong Kong Branch
(A limited liability company incorporated in Malaysia)
聯昌銀行有限公司,香港分行
(於馬來西亞註冊成立的有限責任公司)
Financial Disclosure Statements
財務披露報表
For the year ended 31 December 2023
截至 2023 年 12 月 31 日止年度
CIMB Bank Berhad, Hong Kong Branch
聯昌銀行有限公司,香港分行
Financial Disclosure Statements for the year ended 31 December 2023
截至 2023 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 CIMB Bank Berhad, Hong Kong Branch (the "Branch") has been provided. The information is also available at the Branch located at Rooms 2501 and 2507-2510, 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 2501 及 2507-2510 室的分行地點,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
For the year ended
全年結算至
Interest income
Interest expenses
Net interest (expenses) / income
Other operating income
Net gains arising from trading in foreign currencies
Net gains / (losses) on securities held for trading purposes
Net (losses) / gains from other trading activities
Net fees and commission income Other income
Total operating income
Operating expenses
Net operating income / (loss) before impairment allowances
Net charge of impairment losses and provisions for impaired loan and receivables
Net operating loss
Loss from disposal of fixed assets
Loss before taxation
Tax income / (expense)
Loss after taxation
利息收入
利息支出
淨利息(支出) / 收入
其他營運收入
來自非港元貨幣交易
的淨收益
來自持有作交易用途的證券
的淨收益 / (虧損)
來自其他交易活動的淨(虧損)
- 收益
收費及佣金淨收入 其他收入
總營運收入
經營開支
提取減值準備前之 淨經營收入 / (虧損)
減值損失及為已減值貸款及應收
款項而提撥的準備金 淨經營虧損
來自有形固定資產的處置
的虧損 除稅前虧損
稅項收入 / (開支)
除稅後虧損
31 Dec 2023 | 31 Dec 2022 |
2023 年 12 月 31 日 | 2022 年 12 月 31 日 |
HK$'000 | HK$'000 |
港幣千元 | 港幣千元 |
404,669 | 228,404 |
(457,677) | (205,634) |
(53,008) | 22,770 |
143,059 | 18,265 |
13,164 | (39,932) |
(5,000) | 34,476 |
7,411 | 301 |
7,203 | 6,902 |
112,829 | 42,782 |
(95,136) | (89,074) |
17,693 | (46,292) |
(257,603) | (43,888) |
(239,910) | (90,180) |
(13) | - |
(239,923) | (90,180) |
567 | (147,441) |
(239,356) | (237,621) |
1
CIMB Bank Berhad, Hong Kong Branch
聯昌銀行有限公司,香港分行
Balance Sheet 資產負債表 | |||
As at 31 Dec 2023 | As at 30 Jun 2023 | ||
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | ||
HK$'000 | HK$'000 | ||
港幣千元 | 港幣千元 | ||
Assets | 資產 | ||
Cash and balances with banks | 現金及銀行結餘 | 2,825,933 | 968,466 |
Due from Exchange Fund | 存放外匯基金存款 | 1,854 | 5,398 |
Placement with banks maturing between | 於一至十二個月內到期之銀行 | ||
one and twelve months | 存款 | 1,311,119 | 797,380 |
Amount due from overseas offices of | 存放於該機構的海外辦事處的 | ||
the institution | 數額 | 750,872 | 186,828 |
Reverse repurchase agreements | 反向回購協議 | 1,094,641 | - |
Certificates of deposits held | 持有的存款證 | 1,193,700 | - |
Securities held for trading purposes | 持有作交易用途的證券 | 1,097,148 | 1,966,674 |
Loans and receivables | 貸款及應收款項 | 1,789,670 | 523,956 |
Investment securities | 投資證券 | 2,544,983 | 2,605,792 |
Tangible fixed assets | 有形固定資產 | 6,752 | 5,787 |
Total assets | 資產總額 | 12,616,672 | 7,060,281 |
Liabilities | 負債 | ||
Deposits and balances from banks | 尚欠銀行存款及結餘 | 5,950,296 | 4,004,087 |
Deposits from customers | 客戶存款 | 5,347,947 | 3,212,328 |
Amount due to overseas offices of the institution | 結欠該機構的海外辦事處的數額 | 1,701,543 | 300,000 |
Repurchase agreements | 回購協議 | 103,071 | 248,132 |
Other liabilities and provisions | 其他負債及準備金 | 720,393 | 435,889 |
Reserves | 儲備 | (1,206,578) | (1,140,155) |
Total liabilities | 負債總額 | 12,616,672 | 7,060,281 |
2
CIMB Bank Berhad, Hong Kong Branch
聯昌銀行有限公司,香港分行
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 2023 | 31 Dec 2022 | ||
2023 年 12 月 31 日 | 2022 年 12 月 31 日 | ||
HK$'000 | HK$'000 | ||
港幣千元 | 港幣千元 | ||
Income from non-trading investments | 非交易投資收益 | 5,850 | 5,122 |
Services fee earned from overseas offices | 收取海外辦事處的服務收入 | 900 | 1,330 |
Others | 其他 | 453 | 450 |
7,203 | 6,902 | ||
Operating expenses 經營開支 | |||
For the year ended | |||
全年結算至 | |||
31 Dec 2023 | 31 Dec 2022 | ||
2023 年 12 月 31 日 | 2022 年 12 月 31 日 | ||
HK$'000 | HK$'000 | ||
港幣千元 | 港幣千元 | ||
Staff expenses | 員工開支 | 48,287 | 54,713 |
Rental expenses | 租金開支 | 15,535 | 15,566 |
Others | 其他 | 31,314 | 18,795 |
95,136 | 89,074 | ||
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 | |||
As at 31 Dec 2023 | As at 30 Jun 2023 | ||
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | ||
HK$'000 | HK$'000 | ||
港幣千元 | 港幣千元 | ||
Cash | 現金 | 1,681,502 | 376,925 |
Balance with banks | 銀行結餘 | 22,379 | 82,217 |
Placement with banks maturing within one month | 於一個月內到期的銀行存款 | 1,122,052 | 509,324 |
2,825,933 | 968,466 |
Placement with banks maturing between one and twelve months 於一至十二個月內到期之銀行存款
Placement with banks
Impairment allowance on placement with banks Collective impairment allowances Individual impairment allowances
As at 31 Dec 2023 | As at 30 Jun 2023 | |
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | |
HK$'000 | HK$'000 | |
港幣千元 | 港幣千元 | |
銀行存款 | 1,311,193 | 797,444 |
銀行存款減值準備 | ||
組合減值準備 | (74) | (64) |
個別減值準備 | - | - |
1,311,119 | 797,380 |
3
CIMB Bank Berhad, Hong Kong Branch
聯昌銀行有限公司,香港分行
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 | |||
As at 31 Dec 2023 | As at 30 Jun 2023 | ||
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | ||
HK$'000 | HK$'000 | ||
港幣千元 | 港幣千元 | ||
Advances to customers | 客戶貸款 | 1,500,000 | 1,229,498 |
Accrued interest receivable | 應收利息 | 82,270 | 32,475 |
Other accounts and receivables | 其他賬目及應收帳款 | 208,012 | 393,121 |
Gross loans and receivables | 貸款及應收款項總額 | 1,790,282 | 1,655,094 |
Impairment allowances | 減值準備 | ||
Collective impairment allowances | 組合減值準備 | (612) | - |
Individual impairment allowances | 個別減值準備 | - | (1,131,138) |
Total impairment allowances | 減值準備總額 | (612) | (1,131,138) |
1,789,670 | 523,956 |
Impaired loans and advances 減值貸款及墊款
Impaired loans and advances to customer Individual impairment allowances
Value of collateral which has been taken into account in respect of such loans and advances to which the individual impairment allowances relate
Impaired loans and advances to customer as a percentage of total loans and advances to customers
As at 31 Dec 2023 | As at 30 Jun 2023 | |
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | |
HK$'000 | HK$'000 | |
港幣千元 | 港幣千元 | |
已減值客戶貸款 | - | 1,229,498 |
個別減值準備 | - | (1,131,138) |
就該特定準備金所關乎的貸 | - | - |
款而計算在內的抵押 | ||
品的價值 | ||
該等已減值貸款佔對客戶的 | - | 100% |
貸款的總額的百分率 |
As at 31 December 2023 and 30 June 2023, there were no loans and advances to banks which are individually determined to be impaired.
於 2023 年 12 月 31 日及 2023 年 6 月 30 日 ,本分行並無任何個別被斷定為對銀行的已減值貸款及放款的數額。
Impairment of financial assets 金融資產減值
According to our Head Office policy, the Branch assesses on a forward looking basis the expected credit losses ("ECL") associated with its financial assets carried at amortised cost, FVOCI and with the exposure arising from loan commitments and financial guarantee contracts. The impairment methodology of Head Office applied depends on whether there has been a significant increase in credit risk.
根據本分行總行的政策,本分行在前瞻性的基礎上評估與其以攤銷成本計價的金融資產、FVOCI 以及貸款承諾和財務擔保合同所產生的風 險相關的預期信貸損失("ECL")。總行採用的減值方法取決於信用風險是否顯著增加。
The Branch uses general 3-stage approach for financial assets accounted for at amortised cost, FVOCI and with the exposure arising from loan commitments and financial guarantee contracts which reflect their credit risk and how the ECL is determined for each of those categories.
本分行採用一般的 3 階段方法,反映按攤銷成本核算的金融資產、FVOCI 以及貸款承諾和財務擔保合同所產生的風險敞口的信用風險,以 及確定每個類別的 ECL。
A summary of the assumptions underpinning the Branch's expected credit loss model is as follows:
本分行預期信用損失模型的假設摘要如下:
- Stage 1: 12-months ECL
Stage 1 includes financial assets which have not had a significant increase in credit risk since initial recognition or which have low credit risk at reporting date. 12-month ECL is recognised and interest income is calculated on the gross carrying amount of the financial assets.
- 第一階段:12 個月的 ECL
第 1 階段包括自首次確認以來信用風險沒有顯著增加或在報告日信用風險較低的金融資產。本分行計提 12 個月的ECL,利息收入根據金融 資產的總賬面值計算。
4
CIMB Bank Berhad, Hong Kong Branch
聯昌銀行有限公司,香港分行
Balance Sheet Additional Information (continued) 資產負債表額外資料 (續)
Impairment of financial assets 金融資產減值 (續)
- Stage 2: Lifetime ECL - not credit impaired
Stage 2 includes financial assets which have had a significant increase in credit risk since initial recognition (unless they have low credit risk at the reporting date) but do not have objective evidence of impairment. Lifetime ECL is recognised and interest income is calculated on the gross carrying amount of the financial assets.
- 第二階段:終身 ECL - 無信用減值
第 2 階段包括自首次確認以來信用風險顯著增加的金融資產(除非它們在報告日信用風險較低),但沒有客觀的減值證據。本分行計提終 身 ECL,利息收入根據金融資產的總賬面值計算。
- Stage 3: Lifetime ECL - credit impaired
Stage 3 includes financial assets that have objective evidence of impairment at the reporting date. Lifetime ECL is recognised and interest income is calculated on the net carrying amount of the financial assets.
- 第三階段:終身 ECL - 信用減值
第 3 階段包括在報告日具有客觀減值證據的金融資產。本分行計提終身 ECL,利息收入根據金融資產的賬面凈值計算。
The Branch accounts for its credit risk by appropriately providing for ECL on a timely basis. In calculating the ECL rates, Head Office considers historical loss rates for each category of customers, and adjusts for forward looking macroeconomic data.
本分行適時計提 ECL 來考量其信用風險。在計算 ECL 費率時,本分行總行考慮了每個客戶類別的歷史損失率,並根據前瞻性宏觀經濟數 據進行調整。
Deposits from customers 客戶存款 | |||
As at 31 Dec 2023 | As at 30 Jun 2023 | ||
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | ||
HK$'000 | HK$'000 | ||
港幣千元 | 港幣千元 | ||
Demand deposits and current accounts | 活期存款及往來帳戶 | 55,496 | 27,917 |
Savings deposits | 儲蓄存款 | 535,458 | 301,972 |
Time deposits | 定期存款 | 4,756,993 | 2,882,439 |
5,347,947 | 3,212,328 | ||
Other liabilities and provisions 其負債及準備金 | |||
As at 31 Dec 2023 | As at 30 Jun 2023 | ||
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | ||
HK$'000 | HK$'000 | ||
港幣千元 | 港幣千元 | ||
Accrued interest payable | 應付利息 | 61,340 | 37,284 |
Provision | 準備金 | 15,529 | 11,075 |
Other accounts and payables | 其他帳目及應付帳款 | 643,524 | 387,530 |
720,393 | 435,889 |
5
CIMB Bank Berhad, Hong Kong Branch
聯昌銀行有限公司,香港分行
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。
As at 31 Dec 2023 | As at 30 Jun 2023 | ||||
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | ||||
HK$'000 | HK$'000 | ||||
港幣千元 | 港幣千元 | ||||
Trading | Hedging | Trading | Hedging | ||
持作交易用途 | 對沖用途 | 持作交易用途 | 對沖用途 | ||
Exchange rate contracts | 滙率關聯衍生工具合約 | 22,624,282 | - | 13,637,157 | - |
Interest rate contracts | 利率衍生工具合約 | 386,673 | 772,546 | 132,424 | 718,727 |
23,010,955 | 772,546 | 13,769,581 | 718,727 |
The following table summarizes the fair value of derivative without taking into account the effect of bilateral netting arrangements.
下表列示沒有考慮到雙邊淨額結算的影響的衍生工具公平價值。
As at 31 Dec 2023 | As at 30 Jun 2023 | ||||||||
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | ||||||||
Fair value assets | Fair value liabilities | Fair value assets | Fair value liabilities | ||||||
公平價值資產 | 公平價值負債 | 公平價值資產 | 公平價值負債 | ||||||
HK$'000 | HK$'000 | HK$'000 | HK$'000 | ||||||
港幣千元 | 港幣千元 | 港幣千元 | 港幣千元 | ||||||
Trading | Hedging | Trading | Hedging | Trading | Hedging | Trading | Hedging | ||
持作交易 | 對沖 | 持作交易 | 對沖 | 持作交易 | 對沖 | 持作交易 | 對沖 | ||
用途 | 用途 | 用途 | 用途 | 用途 | 用途 | 用途 | 用途 | ||
Exchange | 滙率關聯衍生 | ||||||||
rate contracts | 工具合約 | 99,754 | - | 61,420 | - | 165,468 | - | 51,605 | - |
Interest rate | 利率衍生 | ||||||||
contracts | 工具合約 | 1,381 | 40,293 | 1,951 | 1,507 | 625 | 47,684 | - | 673 |
101,135 | 40,293 | 63,371 | 1,507 | 166,093 | 47,684 | 51,605 | 673 |
The following table summarizes the fair value of derivative, taking into account the effect of bilateral netting arrangements.
下表列示考慮到雙邊淨額結算的影響的衍生工具公平價值。 | |||||||
As at 31 Dec 2023 | |||||||
於 2023 年 12 月 31 日 | |||||||
Fair value assets | Fair value liabilities | ||||||
公平價值資產 | 公平價值負債 | ||||||
Gross | Gross | ||||||
amount | Effect of | amount | Effect of | ||||
recognize | bilateral netting | recognized | bilateral netting | ||||
d in the | arrangement not | in the | arrangement not | ||||
balance | set off in the | Net | balance | set off in the | Net | ||
sheet | balance sheet | amount | sheet | balance sheet | amount | ||
資產負債 | 資產負債表中未 | 淨額 | 資產負債表 | 資產負債表中未 | 淨額 | ||
表中確認 | 抵消的雙邊凈額 | 中確認的總 | 抵消的雙邊凈額 | ||||
的總額 | 結算安排的影響 | 額 | 結算安排的影響 | ||||
HK$'000 | HK$'000 | HK$'000 | HK$'000 | HK$'000 HK$'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 | ||
Exchange | 滙率關聯衍生 | 99,754 | (54,207) | 45,547 | 61,420 | (54,207) | 7,213 |
rate contracts | 工具合約 | ||||||
Interest rate | 利率衍生 | 41,674 | (2,888) | 38,786 | 3,458 | (2,888) | 570 |
contracts | 工具合約 | ||||||
141,428 | (57,095) | 84,333 | 64,878 | (57,095) | 7,783 |
6
CIMB Bank Berhad, Hong Kong Branch
聯昌銀行有限公司,香港分行
Off-balance Sheet Exposures (continued) | 資產負債外風險承擔(續) | ||||||
Derivative (continued) | 衍生工具 (續) | ||||||
As at 30 Jun 2023 | |||||||
於 2023 年 6 月 30 日 | |||||||
Fair value assets | Fair value liabilities | ||||||
公平價值資產 | 公平價值負債 | ||||||
Gross | Gross | ||||||
amount | Effect of | amount | Effect of | ||||
recognized | bilateral netting | recognized | bilateral netting | ||||
in the | arrangement | in the | arrangement | ||||
balance | not set off in the | Net | balance | not set off in the | Net | ||
sheet | balance sheet | amount | sheet | balance sheet | amount | ||
資產負債 | 資產負債表中未 | 淨額 | 資產負債 | 資產負債表中未 | 淨額 | ||
表中確認 | 抵消的雙邊凈額 | 表中確認 | 抵消的雙邊凈額 | ||||
的總額 | 結算安排的影響 | 的總額 | 結算安排的影響 | ||||
HK$'000 | HK$'000 | HK$'000 | HK$'000 | HK$'000 HK$'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 | ||
Exchange | 滙率關聯衍生 | 165,468 | (39,343) | 126,125 | 51,605 | (39,343) | 12,262 |
rate contracts | 工具合約 | ||||||
Interest rate | 利率衍生 | 48,309 | (673) | 47,636 | 673 | (673) | - |
contracts | 工具合約 |
213,777 | (40,016) | 173,761 |
Contingent liabilities and commitments 或然負債和承擔
Credit commitments: | 信貸承諾: | ||
- | With an original maturity of under 1 year | - | 原定到期期限一年 |
or are unconditionally cancellable | 以下或可無條件取消 | ||
- | With an original maturity of 1 year and over | - | 原定到期期限超逾一 |
年 |
52,278 | (40,016) | 12,262 |
As at 31 Dec 2023 | As at 30 Jun 2023 | |
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | |
HK$'000 | HK$'000 | |
港幣千元 | 港幣千元 | |
1,650,000 | 2,800,000 | |
500,000 | - | |
2,150,000 | 2,800,000 |
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。
7
CIMB Bank Berhad, Hong Kong Branch
聯昌銀行有限公司,香港分行
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 | Non-bank | Non- financial | Others | Total | ||
sector | financial | private sector | |||||
institutions | |||||||
非銀行私營機構 | |||||||
銀行 | 官方機構 | 非銀行業 | 非金融業 | 其他 | 總額 | ||
金融機構 | 私營機構 | ||||||
HK$'m | HK$'m | HK$'m | HK$'m | HK$'m | HK$'m | ||
港幣 | 港幣 | 港幣 | 港幣 | 港幣 | 港幣 | ||
百萬元 | 百萬元 | 百萬元 | 百萬元 | 百萬元 | 百萬元 | ||
As at 31 Dec 2023 | |||||||
於 2023 年 12 月 31 日 | |||||||
Developed countries | 已發展國家 | 484 | 1,834 | 163 | - | - | 2,481 |
of which: Japan | 其中: 日本 | 2 | 1,569 | - | - | - | 1,571 |
Offshore centres | 離岸中心 | 408 | 91 | 527 | 39 | - | 1,065 |
of which: Hong Kong | 其中: 香港 | 408 | 82 | 469 | 39 | - | 998 |
Developing Asia-Pacific | 發展中的亞太區國家 | 5,073 | 534 | 62 | 83 | - | 5,752 |
of which: Malaysia | 其中: 馬來西亞 | 2,831 | 5 | 62 | - | - | 2,898 |
China | 中國 | 2,143 | 380 | - | 50 | - | 2,573 |
Developing Africa and | 發展中的非洲及中東地區 | - | 1,100 | - | - | - | 1,100 |
Middle East | |||||||
of which: Saudi Arabia | 其中: 沙特阿拉伯 | - | 1,098 | - | - | - | 1,098 |
As at 30 Jun 2023 | |||||||
於 2023 年 6 月 30 日 | |||||||
Developed countries | 已發展國家 | 372 | 1,694 | 217 | - | - | 2,283 |
of which: Japan | 其中: 日本 | 5 | 1,649 | 39 | - | - | 1,693 |
Offshore centres | 離岸中心 | 87 | 159 | 434 | 1,301 | - | 1,981 |
of which: Hong Kong | 其中: 香港 | 84 | 81 | 414 | 1,268 | - | 1,847 |
Developing Asia-Pacific | 發展中的亞太區國家 | 2,827 | 166 | 34 | 69 | - | 3,096 |
of which: Malaysia | 其中: 馬來西亞 | 1,767 | 2 | 34 | - | - | 1,803 |
China | 中國 | 1,027 | 33 | - | 49 | - | 1,109 |
Developing Africa and | 發展中的非洲及中東地區 | - | - | - | - | - | - |
Middle East |
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。
8
CIMB Bank Berhad, Hong Kong Branch
聯昌銀行有限公司,香港分行
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 | Overdue | Impaired | Individual | |||
advances to | advances to | advances to | impairment | |||
customers | customers | customers | 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 | |||
HK$'000 | HK$'000 | HK$'000 | HK$'000 | |||
港幣千元 | 港幣千元 | 港幣千元 | 港幣千元 | |||
As at 31 Dec 2023 | ||||||
於 2023 年 12 月 31 日 | ||||||
Hong Kong | 香港 | 1,500,000 | - | - | - | |
As at 30 Jun 2023 | ||||||
於 2023 年 6 月 30 日 | ||||||
Hong Kong | 香港 | 1,229,498 | 1,229,498 | 1,229,498 | (1,131,138) | |
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 | |||||
As at 31 Dec 2023 | As at 30 Jun 2023 | |||||
於 2023 年 12 月 31 日 | 於 2023 年 6 月 30 日 | |||||
Gross loan % of gross loan | Gross loan | % of gross loan | ||||
and advances | covered by | and advances | covered by | |||
collateral | collateral | |||||
貸款金額 | 抵押品值佔 | 貸款金額 | 抵押品值佔 | |||
貸款總額比率 | 貸款總額比率 | |||||
HK$'000 | % | HK$'000 | % | |||
港幣千元 | 港幣千元 | |||||
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 | 1,500,000 | 0% | - | 0% | |
Recreational activities | 康樂活動 | - | 0% | 1,229,498 | 0% | |
1,500,000 | 0% | 1,229,498 | 0% | |||
Loans for use outside Hong Kong | 在香港以外使用的貸款 | - | 0% | - | 0% | |
1,500,000 | 0% | 1,229,498 | 0% |
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CIMB Group Holdings Bhd published this content on 29 April 2024 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 29 April 2024 02:36:07 UTC.