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大豐銀行前身為大豐銀號，創業於1942年，迄今已六十餘載，隨 1971年澳門銀行法的頒佈，本行獲批准成為澳門首家當地註冊銀行，1984年九月中國銀行注資 股，目前佔有股份百分之五十點三壹。現時在澳門擁有分行二十一間。經過八十年代後期的改革及九十年代的整固，本行根基更趨穩健。 |
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Formerly known as Tai Fung moneychanger,
Tai Fung Bank was established in 1942 and has since been operating
in Macao for more than 60 years. It was the first locally registered
bank following the enactment of the banking law in 1971. Bank of
China, through capital injection in 1984, became one of its shareholders,
presently holding 50.31% of the shares. The Bank currently has 21
branches in Macao. A series of improvements in the late 80s followed
by subsequent consolidation in the 90s has greatly strengthened the
position of the Bank. |
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2004年全球經濟穩定發展，美國經濟逐步復甦，歐盟由於高昂油價而令經濟增長受壓，中國在進、出口貿易強勁的帶動下，雖在宏觀調控的形勢下稍作降 ，但經濟增長率高於9%。在宏觀上澳門亦受惠於中國加入世界貿易組織、內地與澳門建立更緊密關係安排（CEPA）和泛珠三角的區域合作。在推動工業、外貿及物流等行業發展起了一定作用。微觀上港、澳自由行的政策施行，帶動旅遊業暢旺及週邊產業消費上升，房地產市道較上年活躍，經濟發展繼續保持高速增長。 |
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In 2004, the global economy developed
steadily with a gradual recovery seen in US as well as in EU, although
that of the latter was restrained by high oil prices. Bolstered by
strong imports and exports, China's economy jumped by 9% despite
being slightly moderated by the effect of macro tightening policies.
From a broader point of view, Macao has benefited from China's admission
to the World Trade Organization, the implementation of the Mainland
and Macao Closer Economic Partnership Arrangement (CEPA) and the
regional collaboration for the greater Pearl River Delta. These measures
gave impetus to the development of such industries as manufacturing,
foreign trades and logistics. From a narrower perspective, the launch
of the Scheme of Individual Visit to Hong Kong and Macao stimulated
tourism and boosted consumer demand in the related businesses. The
property market was more vibrant than it had been in the previous
year. As a result, a rapid economic growth was achieved in 2004. |
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| 雖然澳門整體環境蓬勃，但資金市場供大於求，信貸需求疲弱，港元、澳門元的利率與美元利率背道而馳，邊際息差收窄，銀行經營須加倍努力。 |
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Despite Macao's thriving economy,
banks had to double their efforts in their operation, given persistent
oversupply in the capital market and sluggish loan demand. The Hong
Kong (or Macao) and US interest rates were running in the opposite
direction while interest margin continued to narrow. |
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| 綜觀銀行業經營環境較去年有所好轉，本行在各界人士、工商企業及真摯客戶的愛戴支持下，全體員工發揮努力奮搏的精神，使本行能穩健、持續、協調地發展。 |
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Nevertheless, improvement at large
was visible in the banking environment compared with last year. As
a result of support given by the local community as well as various
business sectors, in particular, by our loyal clients, we managed
to achieve growth in a prudent, persistent and concerted manner thanks
also to the efforts of our highly motivated staff. |
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在2004年面對低息環境的持續，本行採取緊貼市場與客戶需求相互結合，提供多項存款產品系列與調整放款政策，以鞏固存款及放款業務之市場佔有率。年末存款餘額較上年底增長2.29%、貸款餘額較上年底增長8.28%、不良貸款比上年大幅下降、 後盈利錄得116.65%的增長。各類業務在2004年穩步發展，其中以外匯買賣收益、出售留置資產及回收呆壞帳等，對本行收益均起了很大作用。因此，本行流動資金充裕，資本充足比率及一級資本充足比率，分 為15.91%與15.12%，保持一貫的穩健作風，同時強化了資產負債的結構。其中固定資產增值及呆壞帳準備金充足，使風險系數降低，有利本行之未來發展。相應配合新巴塞爾規定、本澳金融法規之變動，本行建立更具嚴謹之公司管治和內部監控制度。 |
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Confronted with the persistence
of extremely low interest rates in 2004, we adapted our marketing
strategies to the needs of our clients, providing them a string of
deposit products and adjusting our loan policy so as to consolidate
our market shares in both areas. At year-end, deposits increased
slightly by 2.29% over last year and loans rose by 8.28%, while non-performing
loans shrank significantly. Earnings after tax recorded a 116.65%
rise. To summarize, all businesses of the Bank attained steady growth
in 2004. Incomes derived from foreign exchange transactions, realization
of repossessed assets and recovery of doubtful and bad debts greatly
contributed to the Bank's revenues, hence helping the Bank to maintain
a very strong liquidity position. The ratios of our capital adequacy
and first tier capital adequacy were 15.91% and 15.12% respectively,
reflecting the traditionally prudent management and a strengthened
balance sheet of the Bank. Risk factors were also curtailed in consequence
of the appreciated value of fixed assets and adequate provisions
being allowed for bad and doubtful debts and are thus conducive to
the Bank's future development. To keep in line with the new Basel
requirements and changes in local banking regulations, we have established
stricter rules on corporate governance and internal control. |
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2004年港元利率受壓於人民幣升值之憧憬，大量游資進入香港金融體系，促使港元利率降至零息水平。因應客戶需求，本行全年共推出十四個系列之「豐盛存款」及「對 高息存款」。此外，更推出「股票掛勾、期權掛勾」等多元化之投資產品，以鞏固存款及增加佣金收益，關注市場變化以靈活調整行銷策略與風險控制。 |
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In 2004, massive capital inflows
in anticipation of RMB appreciation swamped the Hong Kong financial
system. The Hong Kong interest rate was thereby forced to go down
nearly to zero. Prompted by needs of our clients, we made available
during the year a total of 14 offers of high yielding “Long Term
Deposits” and “Option Related Deposits”. In addition, we provided
a variety of investment products which included equity and currency
linked instruments to reinforce our deposit base and increase our
commission incomes. Responsive to market changes, we are constantly
adjusting our marketing strategy and risk control with great flexibility. |
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| 2004年貸款進入一個新的台階，猶以房屋分期貸款更為突出，建築貸款與銀團貸款均錄得良好增長。在積極拓展業務之際，本行緊握擇優而貸的精神，定下貸款不良率上限，設立專職部門監控貸款質素。隨澳門進、出口貿易的增長，押匯業務總量較去年上升12.74%。本行中間業務主要為國際結算業務和代理業務，通過科技配合、員工培訓和加強分行網絡的推銷功能，效益有所提增。 |
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Increase in loan reached a new stage
in 2004, with housing loan outperforming the rest of other loans
and advances. Construction and syndicated loans also achieved pleasing
results. While working earnestly towards expanding our business,
we focus primarily on quality in booking loans. Accordingly, we have
devised and put in place various default rate ceilings and assigned
a special department to oversee the quality of our loan portfolio.
With Macao's enlarged imports and exports, the total volume of our
bills operation soared by 12.7% over last year. International settlements
and agency services were our main source of fee-income businesses.
Through technology applications, staff training and development and
strengthened branch network sales, we have generated progressing
results. |
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以資訊科技及營運電子化為方向下，本行的個人網上銀行「網上通」已於2004年三月份投產；商業網銀及手提電話銀行亦將隨後推出，客戶可更快捷方便與本行進行交易。為提高工作效率和準確性，2004年完成了SWIFT系統軟件及硬件全面升格、外匯系統持續聯繫結算功能（CLS）投產、電話交易管理系統之密碼驗證系統上 、自動化辦公系統實施等一系列電子渠道，以提升對客戶的服務。 |
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Drawing upon information technology
and electronic banking as leverage in the course of our development,
we put into operation in March 2004 the personal Internet banking
services, “i-banking”, with corporate Internet banking and mobile
banking services to follow. They enable our customers to access us
more quickly and conveniently. To better serve our clients with more
efficiency and accuracy, we introduced in 2004 a number of technological
enhancements by thoroughly upgrading the software and hardware of
the SWIFT system, by making operational the Continuous Linked Settlement
(CLS), by putting on line the phone banking PIN authentication, as
well as instituting a series of office automation. |
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| 展望新的一年，澳門的經濟發展繼續保持高速增長，在特區政府重點構建優質社會、改善營商環境、加強對外經貿合作的目標下，本行將繼續堅持「立足澳門、與時並進」的宗旨，用我們的「誠懇、關心」為大眾服務，共同創造更美好的明天。 |
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Looking ahead to the New Year, we
envisage that Macao's economic growth will keep in the fast lane.
With the crucial targets
the SAR government has set for the building of a “quality of life”
society, the improving of the business environment and the strengthening
of foreign trade cooperation, we vow to continue to serve our community
with utmost sincerity and consideration whilst adhering strictly
to our objectives of “planting our foothold firmly in Macao and advancing
in step with time”. We invite all of you to join hands with us to
forge a better tomorrow. |
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