渣打集团二O二四年半年报告

ºª連接全球最具活力的市場 24 Bill Winters 20%7%1527 •6%487% –6%269%22–27%–11%–7% •2%294% •7,3001.466,600 –85 –12411 •1815%165%•2.51.74 • –2,760803%10–4,680902% •2,4201004%–80–20 • –14.6%13.6%13–14%–1560–50%92.3•14.4454•12.9%1 11%10013%10% •–5%5022%5016%–25%13012%1,350–14%–5%7%–2.58•3%575%–8%457%•7,7002.49•1.43•4021%356%•1.52.89•1130.1%•–2,7601104%502%–4,680–148%145%•23.531%98.57.710%83.3•14.0%2 12% ••6230130•MoxTrust6080•200•27 •18%1,050 •7%•100102.5•••3035•13–14%••10%12% 14%13%10025% 8%21%40 52.6%14.6% 5–7% •8–10%6%12%11%12%6% •230800296,000375,000155,000 •Mox600,00020%Trust800,000TrustSC Ventures5,500 15 20050% 80%1,000 15950%2750 18%101,0503,000 30 3.1%5.1%4.9% 2110 15277% 10%12% Bill Winters 13%10010%5%22%16%8%5%2.49184021% 148%214.6%9350%1015 •13%10010% •4%5%2.07 •19%22%16% •3%5%8%457% •2.492.822,00018 •1.43 32%6,400 •4.651.52.891.74(ELS)12,600 •1130.1%28.4%1.7% •20014.0% 2%3%4% 14%14%14% 5%7% 25%13012%1,350 4% 9% 14% 4.061.512.076,6001.07 5%5%5%3,5001.04 3%10%25%6%2.82 4,1001.999008,000SCVentures6,20077%1,9004,300Mox 2.524.151,0001.175003,4004,1003,700 12345 5%18518 5%8,400 •4%14532 •16 2.497,700182.821.744,3002,000Mox5,4004,1003,5008005,5008,60012 668%2.4%11 63%382%6 12121010650 174% 2.891.741 2,600 •4%2,760502%10060 •4,6801% •5%2303509060 •5%130140505050 53.3%52.6% 1%222,419 •641,850 •16 •26274 5914.6%10.6%4.1 9926 101.1330.506.974%40919 1560 4.8%73.8% •7%•100102.5•••3035•13–14%••10%12% Diego De Giorg •5%30.01•5%59.9114%5%2%3%10%4%•5%•3,500•2%•701,490•21% •3%14.07 •10%38.7213025%8%14% •6% •2% •6% •27.8%40 •4,1001.998,90010%8,000SC Ventures(Mox & Trust)77% •10% •2,3004,300Mox •8%1145%40MoxTrust •2,52035% •1,5005.324.151,0001.17500 •1.74 1101112 1081092 1091102 70(CIB)(WRB) +3035 (CIB) 74%73% (WRB) 148%145%14.6%14.1%4.8%4.7% +8690 74%73%5505512121022 2.41.617,9002.41.351.474,300Mox + (ERMF)1 主要風險類別 (TERs) (AI) (IMF)5.2%5%4.5% (RMB)4.7% GDP9 ••••• •••• ESG ESG ESGESG • •••ESG• + ••••••239•••• ESG •ESG •• Z ••••••70% Sadia Ricke a)3892b)9596 16 9 12 9 918,0707,980586407004504503201,7601,4401102,7602,8705042871,5201,600792,6502,570 +41 94%94%2,8102,920 942,6402,740541,1801,230501,2101,210452402800.2%0.2% 1210011251823101100.1%3.6%3.7%7%46%39% 666724%68%64%15155%46%51%1.6123%63%60%6%82%76% +424344476465 3012 +58 2.491.72 7,1003,8003,3005,500 3,3003003,600 1.21.351,500 5,4001.479,300 2,0004,3002,3004,300MoxBank3,3005007001,200700200Mox Bank500Trust BankMox Bank 2,5003,6001,1003,6003,000Mox Bank 4003,1002,700 9001,00010012C +59 483302903313433336 8953%52%80%4%3% +6771 4222667%58%77%72%0.4%0.3% 5,5008,6001.41 +72 1121314 + ••12•1212•• 787,1607,2402053,5803,3701561,7501,910891,4901,580 3,9005.655.267001.441.513,3003.583.251,000 37190220520251819 8,9004.285.175,9002.593.182,4001,0003,400 1,300 458635,800363715156,100782.233.871.64 1.398.6610.051.368.319.67 1.398.66 10.055,3003,000 3,4302,900 40%41% 84%83%35330360 85%85% 47.9%47.1%79%56.8%43.0%40.6% 8.1%4,0001.96139094070%(MIP) 1,1901,650 35359 290225 + 3,269 9 + 321 871,5201,600 891,4901,58051A-A+ 1819 242 9 273282285 1672,3002%3,1009 9 3.1%3.2%103.7%3%3.4%3.1% 99 502%(Monte Carlo)50 GDP4.8%4.5%5.2%2.6%2.9%3.2%7.6%7%6.5% GDP1.0%2.6%2.9%1.3%2.5%2.1% = 50 6,2004,4004,8002,6001,4001,800400 140029.9711.051.941.93 6%4% 9 判斷模型後調整 1,5002001,300400 21248,6001.41 1,3005001,700 第三階段資產 9 RGTT-DFAST RGTT1.22DFAST1.75RGTTDFAST4.8%5.1%5.7% RGTTDFAST2,9008,4003.9%4.3%6.8% RGTTDFASTDFAST1.5%0.8%2.7%1.1%RGTT3.0%1.5%4.2%3.2%RGTTDFAST8001,5001.6%1.7%1.9%1001% • – • –– ••••• 4,2905,34020%5,31019%4,2304,4505%5,02016% 2,1502,3509%1,94011% ••• •1750 99 二〇二四年半年回溯測試圖本集團層面的內部模型計算法監管交易賬假設損益對涉險值（按99%、一天的涉險值） 11,430 1,07033.6%1,3307.5% 210 30 148%145% ••• A+A+A111 100% 0.8%52.6%1%3%4,880.074,866.66 123 177.8868.772184.19207.13198.5172.48 100%136% 1,730 60% •50•100 50100 1 502.10503.301004.001006.50 4705103.13.4% (MREL) 5914.6%10 A3.8%2.1%10.6%1.0%7 102.391560 13%14% MREL28.4%24.5%35.4%9.8% 70MREL1060 (G-SII)1.0% G-SIIG-SIIsc.com/en/investors/financial-results 220.9%2,419642616 272.6%1,054 •43–51–8•5•13•7 40.9%429 •8•4•1•9 Mox Bank LimitedTrust Bank SC VenturesSC Ventures15.1%20 9621.6%347 •51•23•12•10 2610%274 •25•11•13 •165.8%295 4.8%3.8%72111107.875%306 •3434•(a)4.2.7(b)4.2.8 Diego De Giorg José Viñals Bill WintersDiego De Giorgi Shirish ApteDavid ConnerJackie HuntDiane JurgensRobin LawtherMaria RamosPhil RivettLinda Yueh 結論 1313898 343434 結論的基礎 2410 13434 持續經營相關結論 董事的責任 3434 核數師審閱財務資料的責任 我們報告的用途 2410 安永會計師事務所 30.505,8004,7001,10010.007.32116,710,49293,894,7064.03%3.24% SCB Zimbabwe Limited1.9 5Zodia Custody Limited2,700Mox Bank Limited1,700Trust Bank Singapore Limited1,700Mox Bank Limited3,100Trust Bank Singapore Ltd1,700Zodia Markets Holdings Ltd100 60.505,70010.0112,982,8023.90% 7 80.505,70010.0113,2