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1、62011 ANNUAL REPORT 年報.hkNANYANG COMMERCIAL BANK行政總裁報告 Chief Executives ReportDampened by the catastrophic Japan earthquake, the lingering European sovereign debt crisis and the first-ever downgrade of the U.S. sovereign credit rating in her history, 2011 saw highly volatile financial markets around
2、 the world and a slowdown in global economic recovery. Meanwhile, the economy and export of Hong Kong were also undermined to some extent, resulting in a slowdown in its economic growth. Under such macroeconomic circumstances, the Group adhered to its established development strategy and took variou
3、s measures to expand its customer base, and vigorously promoted the “NCB Wealth Management” services to facilitate the development of diversified business. We also implemented differentiation with strong focus on the development of SME services, and extended the scope of our RMB business to provide
4、professional and quality cross-border banking services to customers. With all these efforts, the Group made steady progress in various aspects of its businesses during the year.Financial HigHligHtsAs at the end of December 2011, the consolidated operating profit of the Group was HK$2,804 million, re
5、presenting an increase of 31.69% as compared to the previous year. The consolidated profit after tax was HK$2,449 million, surged by 33.50% from the previous year. Realised net interest income was HK$3,285 million, representing a growth of 19.10% as compared to the previous year. The non-interest in
6、come was HK$966 million, representing an increase of 15.52% from the previous year, out of which the net fee income increased by 12.78%. In 2011, the average return on equity was 10.07%, and average return on assets was 1.13%. Net interest margin was 1.56%, representing a decrease of 0.04 percentage
7、 point compared to the previous year.2011年，受日本地震、歐債危機蔓延，以及美國主權信用評 級在歷史上首次被下調等影響，環球金融市場極為波動，拖 慢經濟復甦步伐。香港經濟及出口受到不同程度的衝擊，經 濟增長放緩。在這一宏觀經濟環境下，本集團堅持既定的發 展策略，多項措施並舉，擴大客戶基礎；積極營銷 南商理 財 ，促進多元化的發展；實施差異化經營模式，重點發展 中小企業務；拓展人民幣業務，提供專業和優質的跨境銀行 服務。年內各項業務穩健發展。財務摘要截至2011年12月底，本集團綜合經營溢利28.04億港元，較 去年增長31.69%；除稅後綜合盈利為24.
8、49億港元，較去 年增加33.50%。實現淨利息收入32.85億港元，比去年增長 19.10%；非利息收入9.66億港元，比去年上升15.52%， 其中淨手續費收入增長12.78%。2011年平均資本回報率 為10.07%，平均資產回報率為1.13%；淨利息收益率為 1.56%，較去年下降0.04個百分點。方紅光先生 Mr. FANG Hongguang 副董事長兼行政總裁 Vice Chairman while by offering differentiated and featured services, we optimised our customer portfolio and a
9、ttracted new customers. Each branch enhanced its sales and after-sale services for SME customers and expanded its service coverage to serve the SMEs needs for both credit and non-credit facilities. For delicacy management, our SME Management Centre effectively enhanced its efficiency in credit appro
10、val and competitiveness in the market by standardising the information requirements for credit application and refining the approval procedures. In the meantime, considering the unique business operations of SMEs, we provided professional, efficient and comprehensive financial solutions to SME custo
11、mers by offering diversified products and services and maintaining well-regulated risk control. Through these initiatives, we succeeded in promoting the Groups business restructuring and implemented its development strategy of strengthening the large-scale enterprise business while expanding its ser
12、vices to SMEs. By the end of 2011, loans to large-scale enterprises, industrial and commercial customers as well as SMEs recorded double-digit growth, out of which the SME loan balance amounted to HK$12,387 million, representing an increase of HK$1,324 million as compared to the end of last year or
13、accounting for 19.20% of the total corporate loan balance. The number of SME loan accounts increased by more than 510.92011 ANNUAL REPORT 年報.hkNANYANG COMMERCIAL BANK行政總裁報告 Chief Executives Report業務回顧（續）加強業務聯動，推進跨境業務發展。隨著中央逐步放寬人民幣在境外流通的政策，為本港銀行業帶來不少商機。本集團堅持立足本港，充分利用與珠三角地區企業長期合作的優勢，與南商 （中國）及母行中國銀行進行了
14、廣泛和深入的業務聯動，建立聯絡渠道，在防範市場波動的同時，全力捕捉各項業務商機，特別是人民幣相關業務及跨境金融服務。通過業務團隊及管理層的互訪，本集團加強與廣東省內各主要銀行的聯動關係，相互轉介具有兩地業務及融資需求的客戶，開拓跨境企業的貿易結算及授信業務。本集團利用香港與內地借貸利差，吸引貿易戶多利用香港的融資管道，成功拓展貸款及貿易融資業務。同時，積極從跨境企業及其關聯公司、產業鏈及其上下游關係企業發掘業務機會，將本行與企業客戶現有的業務關係延伸至存款、貸款、人民幣跨境貿易結算和投資、資金業務、商業理財等。截至2011年底，企業人民幣存款較去年底增加74.30億港元，跨境企業戶授信餘額增加
15、36.70億港元。Business review (Contd)Strengthened business collaboration and promoted cross-border business development. The gradual deregulation of the policy towards offshore RMB circulation by the Central Government brought business opportunities for banks in Hong Kong. Rooted in Hong Kong with the lo
16、ng-established partnership with enterprises located in the Pearl River Delta area, the Group explored various means for extensive business cooperation with NCB (China) and its parent bank, Bank of China, and established liaison channels to seize the opportunities for expansion, in particular the RMB-related business and cross-border financial services, while guarding against market fluctuations. Through exchange visits between the Group a
