Fubon Financial : 2023 Fubon Bank (Hong Kong)Annual Report

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