Fubon Bank (Hong Kong) Limited
富邦銀行(香港)有限公司
Annual Report 2023年年報
Coordinated and produced by Corporate Communications of Fubon Bank (Hong Kong) Limited
富邦銀行(香港)有限公司企業傳訊部統籌及製作
Design, printing and production: iPRO Financial Press Limited
設計、印刷及製作:邁步財經印刷有限公司
CONTENTS 目錄
Corporate Profile and Key Milestones in 2023 | 2 |
公司簡介及2023 里程碑 | |
Awards and Recognitions | 3 |
榮譽與肯定 | |
Corporate Information | 4 |
公司資料 | |
Chairman's Statement | 10 |
主席匯報 | |
Chief Executive's Report | 14 |
行政總裁報告 | |
Corporate Social Responsibility | 20 |
企業社會責任 | |
Bank Network | 24 |
銀行網絡 | |
Corporate Governance Report | 26 |
企業管治報告 | |
Financial Statements | 39 |
財務報告 | |
Members of Fubon Financial Holdings | 219 |
富邦金控成員 |
CORPORATE PROFILE AND KEY MILESTONES IN 2023 公司簡介及2023里程碑
CORPORATE PROFILE | 公司簡介 |
Fubon Bank (Hong Kong) Limited ("Fubon Bank") is a wholly | 富邦銀行(香港)有限公司(「富邦銀行」) |
owned subsidiary of Fubon Financial Holding Co., Ltd. ("Fubon | 是富邦金融控股股份有限公司(「富邦金 |
Financial Holdings"), one of the largest financial holding | 控」)的全資附屬公司。富邦金控為台灣最 |
companies in Taiwan. Committed to becoming one of Asia's | 大的金融控股公司之一,以「成為亞洲一 |
first-class financial institutions, Fubon Financial Holdings has | 流的金融機構」為發展願景,擁有完整多 |
built a strong lineup of financial service companies. Fubon | 元的金融服務平台。富邦銀行於香港透過 |
Bank operates 15 branches, 3 SME Banking Services Centres, | 15 間分行、3 間中小企銀行服務中心、1 |
1 Offshore Banking Centre and 1 Securities Services Centre | 間境外理財中心及1 間證券投資服務中心 |
in Hong Kong, providing a wide range of financial services | 為客戶提供全面的優質銀行服務,包括零 |
encompassing consumer and wholesale banking, wealth | 售及商業銀行、財富管理、金融市場、證 |
management, financial markets, securities brokerage and | 券及投資服務。富邦銀行獲標準普爾授予 |
investment services. Fubon Bank holds an A-2short-term, | A-2 短期及BBB+ 長期信貸評級。該評級 |
BBB+ long-term rating from Standard & Poor's. The rating | 反映富邦銀行資本雄厚,流動資金充裕及 |
reflects Fubon Bank's strong capitalization, good liquidity and | 資產質素優良。 |
sound asset quality. | |
KEY MILESTONES IN 2023 | 2023 里程碑 |
March 2023: Fubon Bank opened a new Offshore Banking | 2023 年3 月:富邦銀行境外理財中心開 |
Centre. | 幕。 |
May 2023: Fubon Bank took on the role of Co-Manager of The | 2023 年5 月:富邦銀行擔任香港按揭證券 |
Hong Kong Mortgage Corporation Limited's maiden issuance of | 有限公司發行的首批可持續基建貸款抵 |
sustainable infrastructure asset-backed securities. | 押證券的副承銷商。 |
October 2023: Fubon Bank executed its first green repo | 2023 年10 月:富邦銀行完成首宗綠色回 |
transaction. | 購交易。 |
November 2023: S&P Global Ratings revised its outlook on | 2023 年11 月:標普全球評級將富邦銀行 |
the long-term issuer rating on Fubon Bank to "positive" from | 的展望從「穩定」調升為「正向」。 |
"stable". | |
December 2023: Fubon Bank opened its new Central Main | 2023 年12 月:全新富邦銀行中環總行暨 |
Branch-cum-Wealth Management Centre. | 財富管理中心開幕。 |
2 Fubon Bank 富邦銀行
AWARDS AND RECOGNITIONS | |
榮譽與肯定 | |
Sky Post | 晴報 |
Banking & Finance Awards 2023-24 | Banking & Finance Awards 2023-24 |
Excellence Award for Commercial Finance Solutions | 傑出商業金融方案大獎 |
The Hong Kong General Chamber of Small and Medium Business | 香港中小型企業總商會 |
Best SME's Partner Award | 中小企業最佳拍檔獎 |
Tiptop Consultants Ltd. | 天高管理發展有限公司 |
Tiptop Service Award | 天高服務獎 |
Persistently Outstanding Service Company (2022-2023) | 持續超卓表現機構(2022-2023) |
Persistently Outstanding Service Outlet (2022-2023) | 持續超卓表現分店(2022-2023) |
Bank of New York Mellon | 紐約梅隆銀行 |
Straight Through Processing Award | 直通式聯繫結算處理獎 |
Business Environment Council | 商界環保協會 |
BEC Net-zero Carbon Charter | BEC 零碳約章 |
Environment and Ecology Bureau, HKSAR Government | 香港特別行政區政府環境及生態局 |
Charter on External Lighting - Diamond Award | 戶外燈光約章 - 鑽石獎 |
Environmental Campaign Committee | 環境運動委員會 |
Wastewi$e Certificate/Energywi$e Certificate/Hong Kong Green | 減廢證書/ 節能證書/ 香港綠色機構 |
Organisation | |
Hong Kong Quality Assurance Agency | 香港品質保證局 |
Hong Kong Green and Sustainable Finance Awards 2023 | 香港綠色和可持續金融大獎2023 |
Outstanding Award for Green and Sustainable Bond Facilitator | 傑出綠色和可持續債券服務機構 |
(Infrastructure Financing and Securitisation) | (基建融資及證券化產品) |
- Visionary Sustainability Bond Framework | - 卓越遠見可持續發展債券框架 |
The Chinese Manufacturers' Association of Hong Kong | 香港中華廠商聯合會 |
ESG Pledge | ESG 約章 |
Employees Retraining Board | 僱員再培訓局 |
ERB Manpower Developer Award Scheme - Manpower Developer | ERB 人才企業嘉許計劃 - 人才企業 |
The Hong Kong Institute of Bankers | 香港銀行學會 |
HKIB Talent Development Award (Category I) | HKIB 人才發展獎(第一組別) |
The Community Chest of Hong Kong | 香港公益金 |
Corporate & Employee Contribution Programme - Bronze Award | 「商業及僱員募捐計劃」銅獎 |
The Hong Kong Council of Social Service | 香港社會服務聯會 |
15 Years Plus Caring Company Logo | 15 年Plus「商界展關懷」標誌 |
LACP | 美國傳媒專業聯盟 |
2022 Vision Awards Annual Report Competition | 2022 Vision Awards 年報比賽 |
Gold Award/Top 50 Chinese Reports/ | 金獎/ 最佳50 本中文年報/ |
Top 80 Reports - Asia-Pacific Region | 亞太地區最佳80 本年報 |
Annual Report 2023 年年報 3
CORPORATE INFORMATION 公司資料
SHAREHOLDER | 股東 |
100% - Fubon Financial Holding Co., Ltd. | 100%-富邦金融控股股份有限公司 |
AUDITORS | 核數師 |
KPMG | 畢馬威會計師事務所 |
COMPANY SECRETARY | 公司秘書 |
Juliana CHIU Yuk Ching | 趙玉貞 |
REGISTERED OFFICE | 註冊辦事處 |
Fubon Bank Building | 香港中環 |
38 Des Voeux Road Central | 德輔道中38 號 |
Hong Kong | 富邦銀行大廈 |
4 Fubon Bank 富邦銀行
BOARD OF DIRECTORS
董事
Daniel TSAI Ming Chung | 蔡明忠 |
Chairman | 主席 |
Aged 67. Mr. Tsai joined Fubon Group in 1981. He is currently | 六十七歲。蔡先生於一九八一年加入富邦集 |
the Chairman of the Fubon Group, Taiwan Mobile Co., Ltd., | 團,現時為富邦集團、台灣大哥大股份有限 |
momo.com Inc. and Taiwan Fixed Network Co., Ltd. Mr. 公司、富邦媒體科技股份有限公司及台灣固
Tsai is also the Director of Fubon Financial Holding Co., | 網股份有限公司之董事長。蔡先生現時亦擔 |
Ltd., Fubon Life Insurance Co., Ltd. and Fubon Bank (China) | 任富邦金融控股股份有限公司、富邦人壽保 |
Co., Ltd. Mr. Tsai has extensive experience in banking and | 險股份有限公司及富邦華一銀行有限公司 |
telecommunication services, as well as land development, | 的董事。蔡先生於銀行、電訊服務、土地發 |
construction management and building leasing business. 展、建築管理及樓宇租賃業務方面具有豐富
He holds a J.D. honoris causa (2024) from Fu Jen Catholic | 的經驗。他持有天主教輔仁大學名譽法學博 |
University, a D.B.A. honoris causa (2023) from Tunghai | 士(二零二四年)、東海大學名譽管理博士 |
University, a Master of Law Degree (1979) from Georgetown | (二零二三年)、喬治城大學法律碩士學位 |
University and a Bachelor of Law Degree (1978) from National | (一九七九年)以及國立臺灣大學法律學士 |
Taiwan University. Mr. Tsai is the elder brother of Mr. Richard | 學位(一九七八年)。蔡先生是蔡明興先生 |
Tsai Ming Hsing. He became a Director of the Bank in | 之胞兄。他於二零零四年二月出任本行董事。 |
February 2004. |
Richard TSAI Ming Hsing | 蔡明興 |
Vice Chairman | 副主席 |
Aged 66. Mr. Tsai joined the Fubon Group in 1983. He is the | 六十六歲。蔡先生於一九八三年加入富邦 |
Chairman of Fubon Financial Holding Co., Ltd. and Taipei | 集團,是富邦金融控股股份有限公司及台 |
Fubon Commercial Bank Co., Ltd. and also serves as a | 北富邦商業銀行股份有限公司的董事長。 |
board director of Taiwan Mobile Co., Ltd. and Taiwan Fixed | 蔡先生現時亦為台灣大哥大股份有限公司 |
Network Co., Ltd. Mr. Tsai has over 30 years of experience | 及台灣固網股份有限公司的董事。蔡先生於 |
in the financial services and insurance industries. He was | 金融及保險業擁有超過三十年的經驗。他於 |
conferred as The Pontifical Order of Pope Saint Sylvester in | 二零二四年一月獲冊封「聖西爾維斯特團爵 |
January 2024. He holds a Ph.D. honoris causa (2022) from | 士」。他持有台北醫學大學名譽醫學博士(二 |
Taipei Medical University, a Ph.D. honoris causa (2022) from | 零二二年)﹑陽明交通大學名譽工學博士(二 |
National Yang Ming Chiao Tung University, a D.B.A honoris | 零二二年)﹑天主教輔仁大學名譽商學博士 |
causa (2020) from Fu Jen Catholic University, an MBA (1981) | (二零二零年)﹑紐約大學財務金融碩士學 |
from New York University's Stern School of Business, and | 位(一九八一年)及國立臺灣大學工商管理 |
a bachelor's degree in Business Administration (1979) from | 學士學位(一九七九年)。蔡先生是蔡明忠 |
National Taiwan University. Mr. Tsai is the younger brother | 先生的胞弟。他於二零零四年二月出任本行 |
of Mr. Daniel Tsai Ming Chung. He became a Director of the | 董事。 |
Bank in February 2004. | |
Simon CHUNG Kwok Keung | 鍾國強 |
Executive Director | 執行董事 |
Aged 61. Mr. Chung was appointed Chief Executive Officer | 六十一歲。鍾先生於二零二一年七月獲委任 |
and Managing Director of the Bank in July 2021. Mr. Chung | 為本行行政總裁兼董事總經理。鍾先生現時 |
is the Chairman of Fubon Credit (Hong Kong) Limited and | 亦為富邦財務(香港)有限公司董事長及富 |
a director of Fubon Life Insurance (Hong Kong) Company | 邦人壽保險(香港)有限公司的董事。鍾先 |
Limited. Mr. Chung is a veteran banker with over 30 years of | 生是位資深銀行家,在銀行業擁有超過三十 |
extensive experience in the banking industry. Prior to joining | 年的深厚資歷。自二零一四年十月至加入本 |
the Bank, he was the Head of Banking & Corporate Finance, | 行期間,鍾先生曾出任桑坦德亞太區環球銀 |
Asia Pacific of Banco Santander since October 2014. Before | 行及企業融資部總監。加入桑坦德銀行之前, |
joining Banco Santander, Mr. Chung had a long career with | 鍾先生自一九八八年起在美商花旗銀行工作。 |
Citi since 1988. From 2007 to 2014, he had served as a | 在二零零七年至二零一四年間,鍾先生擔任 |
director for Citibank Taiwan Limited. Mr. Chung graduated | 花旗銀行台灣有限公司的董事。鍾先生畢業 |
from The University of Hong Kong with a major in Geography | 於香港大學,主修地理及地質學,並擁有加 |
and Geology and has an MBA from York University, Canada. 拿大約克大學工商管理碩士學位。鍾先生在
He was elected an associate of the Chartered Institute of | 一九九零年成為英國特許銀行家協會會員。 |
Bankers (England) in 1990. As part of his volunteering effort, | 鍾先生熱心志願服務工作,包括出任香港嶺 |
Mr. Chung is a member of the Council and ex-officio member | 南大學校董會成員及諮議會當然成員。 |
of the Court of Lingnan University, Hong Kong. |
Annual Report 2023 年年報 5
BOARD OF DIRECTORS 董事
Jerry HARN Wey Ting | 韓蔚廷 |
Non-Executive Director | 非執行董事 |
Aged 62. Mr. Harn joined the Fubon Group in 2005 and | 六十二歲。韓先生於二零零五年加入富邦集 |
currently serves as President and Director of Fubon Financial | 團,現為富邦金融控股股份有限公司總經理 |
Holding Co., Ltd. Mr. Harn is also the Vice Chairman of Taipei | 兼董事。韓先生亦為台北富邦商業銀行股份 |
Fubon Commercial Bank Co., Ltd. and a Director of Fubon | 有限公司之副董事長及富邦華一銀行有限 |
Bank (China) Co., Ltd. He has over 30 years of experience | 公司董事。他於金融業有超過三十年經驗。 |
in the financial services sector, having previously served as | 在此之前,他曾擔任中國信託商業銀行資深 |
Executive Vice President of Chinatrust Commercial Bank and | 副總經理及花旗銀行台北分行副總裁。韓先 |
Senior Vice President of Citibank Taiwan. Mr. Harn holds a | 生持有俄亥俄州立大學企管碩士學位。他於 |
Master of Business Administration Degree from Ohio State | 二零一四年一月出任本行董事。 |
University. He became a Director of the Bank in January | |
2014. |
Tim KUO Pei Ting | 郭倍廷 |
Non-Executive Director | 非執行董事 |
Aged 59. Mr. Kuo is President and a Standing Director | 五十九歲。郭先生現為台北富邦商業銀行股 |
of Taipei Fubon Commercial Bank Co., Ltd. He is also | 份有限公司總經理及常務董事。他亦為富邦 |
the Chairman of Fubon AMC Co., Ltd. and a Director of | 資產管理股份有限公司董事長及富邦華一 |
Fubon Bank (China) Co., Ltd. Prior to that, Mr. Kuo was the | 銀行有限公司董事。在此之前,郭先生曾為 |
Chairman and President of JihSun International Commercial | 日盛國際商業銀行股份有限公司董事長及 |
Bank Co., Ltd., Director of Investment Banking, Citigroup | 總經理、台灣花旗集團投資銀行總監、台灣 |
Taiwan, Vice President of Investment Banking, Morgan | 摩根士丹利投資銀行副總裁及中國信託商 |
Stanley Taiwan and Deputy Head of Corporate Banking | 業銀行企業銀行部副主管。郭先生持有國立 |
Group, Chinatrust Commercial Bank. Mr. Kuo holds a | 中山大學工商管理碩士學位及天主教輔仁 |
Master Degree in Business Administration from the National | 大學工商管理學士學位。他於二零二三年四 |
Sun Yet-sen University and a Bachelor Degree in Business | 月出任本行董事。 |
Administration from the Fu Jen Catholic University. He | |
became a Director of the Bank in April 2023. |
Douglas TSAI Cheng Tao | 蔡承道 |
Non-Executive Director | 非執行董事 |
Aged 33. Mr. Tsai joined the Fubon Group in 2020 and | 三十三歲。蔡先生於二零二零年加入富邦集 |
currently serves as the Head of Fintech Division of Fubon | 團,現任富邦金融控股股份有限公司創新科 |
Financial Holding Co., Ltd, Deputy Head of Digital Banking | 技處處長、台北富邦銀行股份有限公司數位 |
Division of Taipei Fubon Commercial Bank Co., Ltd. and | 金融總處副總處長及富邦育樂股份有限公司 |
Chairman of Fubon Sports & Entertainment Co., Ltd. He | 董事長。彼亦為富邦產物保險股份有限公司、 |
is also the Director of Fubon Insurance Co., Ltd., Fubon | 富邦綜合證券股份有限公司、富邦媒體科技 |
Securities Co., Ltd., momo.com Inc. and Hyundai Card | 股份有限公司及韓國現代信用卡(Hyundai |
Co., Ltd. Before joining Fubon Group, Mr. Tsai worked in | Card Co., Ltd)之董事。在加入富邦集團之 |
management consulting and Fintech companies in United | 前,蔡先生曾任職於美國和中國的管理諮詢 |
States and China. Mr. Tsai holds a Master Degree in Business | 和金融科技公司。蔡先生持有賓夕法尼亞大 |
Administration from the University of Pennsylvania and a | 學工商管理碩士學位及南加州大學經濟學 |
Bachelor Degree in Economics from University of Southern | 學士學位。蔡先生為蔡明忠先生之子。他於 |
California. Mr. Tsai is the son of Mr. Daniel Tsai Ming Chung. 二零二三年十二月出任本行董事。 He became a Director of the Bank in December 2023.
6 Fubon Bank 富邦銀行
BOARD OF DIRECTORS
董事
Peter PANG Sing Tong | 彭醒棠 |
Independent Non-Executive Director | 獨立非執行董事 |
Aged 68. Mr. Pang joined the Hong Kong Monetary Authority | 六十八歲。彭先生於一九九四年加入香港金 |
("HKMA") as Executive Director (Banking Policy) in 1994 | 融管理局(「金管局」)擔任助理總裁(銀行政 |
and was appointed as Executive Director (Monetary Policy | 策)及於一九九六年被委任為助理總裁(金 |
and Markets) in 1996. Mr. Pang was seconded to the Hong | 融政策及市場)。彭先生於一九九七年至二 |
Kong Mortgage Corporation and assumed the position of the | 零零四年期間借調至香港按揭證券有限公 |
Chief Executive Officer in 1997 till 2004. He was appointed | 司出任該公司之總裁,並於二零零四年七月 |
as Deputy Chief Executive of the HKMA from July 2004 | 至二零一六年二月期間出任金管局之副總裁。 |
to February 2016. Mr. Pang is also an Independent Non- | 彭先生現時亦為富邦財務(香港)有限公司 |
Executive Director of Fubon Credit (Hong Kong) Limited. Mr. 的獨立非執行董事。彭先生持有香港大學社
Pang holds a Bachelor Degree of Social Science from The | 會科學學士學位及史丹福大學管理碩士學位。 |
University of Hong Kong and a Master Degree in Management | 他於二零一八年四月出任本行董事。 |
from the Stanford University. He became a Director of the | |
Bank in April 2018. |
John Keith BALL
Independent Non-Executive Director
Aged 69. Mr. Ball is a career banker with over 40 years of extensive experience in financial services. He was the Managing Director and Global Head of Sales for Cash Management Financial Institutions for Deutsche Bank from 2011 to 2014 based in London. Prior to relocating to London, Mr. Ball was Managing Director and Asia Head of Cash Management Financial Institutions from 1999 to 2011 based in Hong Kong. Mr. Ball worked for Bankers Trust Company in London, New York and Hong Kong for 25 years before Deutsche Bank acquired Bankers Trust Company in 1999. He became a Director of the Bank in July 2020.
卜約翰
獨立非執行董事
六十九歲。卜先生是一位資深銀行家,在金 融服務領域擁有40 多年的豐富經驗。於二 零一一年至二零一四年期間,他曾在倫敦擔 任德意志銀行現金管理金融機構的董事總經 理兼全球銷售總監。在移居倫敦之前,卜先 生於一九九九年至二零一一年期間在香港擔 任德意志銀行現金管理金融機構的董事總 經理兼亞洲區負責人。卜先生在德意志銀行 於一九九九年收購Bankers Trust Company 之前曾在倫敦、紐約和香港的Bankers Trust Company 工作了二十五年。他於二零二零 年七月出任本行董事。
Elizabeth LAM Tyng Yih | 林婷懿 |
Independent Non-Executive Director | 獨立非執行董事 |
Aged 59. Ms. Lam is an Independent Non-Executive Director | 五十九歲。林女士現為中國太平洋保險(集 |
of China Pacific Insurance (Group) Co., Ltd., and is a Director | 團)股份有限公司之獨立非執行董事及義務 |
and the Honorary Treasurer of Agency for Volunteer Service. 工作發展局之董事及義務司庫。林女士曾任 Ms. Lam was a consultant and a partner of Ernst & Young. 安永會計師事務所顧問及合夥人。林女士持
She holds a Bachelor of Business Administration Degree and | 有美國麻省大學阿默斯特分校工商管理學 |
a Master of Science Degree in Accounting from University of | 士學位及會計理學碩士學位,現為香港會計 |
Massachusetts Amherst, USA, and is a member of the Hong | 師公會會員。她於二零二一年七月出任本行 |
Kong Institute of Certified Public Accountants. She became a | 董事。 |
Director of the Bank in July 2021. |
Annual Report 2023 年年報 7
SENIOR MANAGEMENT
高級管理層
(From left) | (左起) |
Rockson Hsu, Executive Vice President, Chief Strategy Officer and Chief Risk | 執行副總裁兼首席策略官及風險總監許洛聖、執行副 |
Officer; Vivian Young, Executive Vice President and Head of Human Resources | 總裁兼人力資源管理部主管楊黎孝修、執行副總裁兼 |
Management Group; Henry Wang, Executive Vice President and Chief Financial | 財務長王浩人、行政總裁兼董事總經理鍾國強、執行 |
Officer; Simon Chung, Chief Executive Officer and Managing Director; Carmen Yip, | 副總裁兼零售銀行部主管葉嘉敏及執行副總裁兼營運 |
Executive Vice President and Head of Retail Banking Group; Liza Leung, Executive | 部主管梁運嫦 |
Vice President and Head of Operations Group |
8 Fubon Bank 富邦銀行
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Fubon Financial Holdings Co. Ltd. published this content on 30 April 2024 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 30 April 2024 09:17:08 UTC.