第37屆周年會議議程日期: 2009年6月24日(星期三) 時間: 下午7...

第41屆社員周年會議議程 Agenda of the 41st Annual Meeting 2

協會中央社代表名單 HKLCCU Representatives 3 第40屆社員周年會議記錄 Minutes of the 40th Annual Meeting 4 2012至2013年度董事及委員名單 List of Directors and Committee Members for 2012-2013 11 董事會報告 Board of Directors Report 12 投資報告 Investment Report 14 司庫報告 Treasurer Report 15 收支表 Income and Expenditure Statement 16 資產負債表 Balance Sheet 17 帳項附註 Notes to the Accounts 18 貸款委員會報告 Credit Committee Report 22 監察委員會報告 Supervisory Committee Report 23 十年統計數字 10-year Statistics 24

目錄 Contents

日期: 2013年6月19日(星期三)

時間: 下午7時30分地點: 九龍彩虹邨金華樓地下1 – 2 號室香港儲蓄互助社協會郭樂賢神父堂

1. 確定足夠法定人數，社長宣布開會

2. 社長致辭

3. 介紹嘉賓

4. 通過第40屆周年會議記錄

5. 董事會報告

6. 司庫報告

7. 投資報告

8. 貸款委員會報告

9. 監察委員會報告

10. 註冊官審查報告書 11. 宣布派發股息 12. 其他事項 12.1 通過撥款 12.2 委任法律顧問 13. 選舉 13.1 董事 13.2 貸款委員 13.3 監察委員 14. 董事會互選 15. 宣布董事會互選結果 16. 周年會議結束

第41屆周年會議議程

Agenda of the 41st Annual Meeting Date: 19 June 2013 (Wednesday)

Time: 7:30 p.m.

Venue: Party Room 1–2, G/F, Kam Wah House,

Choi Hung Estate, Kowloon, Hong Kong

1. Ascertainment of Quorum and Call the Meeting to Order

2. Opening Address by the President

3. Introduction of Honorable Guests

4. Confirmation of the Minutes of the 40th Annual Meeting

5. Board of Directors Report

6. Treasurer Report

7. Investment Report

8. Credit Committee Report

9. Supervisory Committee Report

10. Report of Examination by the Registrar 11. Declaration of Dividend on Shares 12. Any Other Business 12.1 Appropriation Adoption 12.2 Appointment of Legal Advisers 13. Election 13.1 Directors 13.2 Credit Committee Member 13.3 Supervisory Committee Member 14. Election of Officers of the Board 15. Announcement of the Result of Election of Officers of the Board 16. Adjournment of Annual Meeting

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上水

大學

互信

天文台

水務署員工

生力

社會福利署

政府物料供應人員

香港中文大學僱員

香港明愛員工

香港遊樂場協會職員

香港總堂

海事處職員

海星堂

國際貨櫃碼頭

將軍澳

彩虹邨聖家

勞工處職工

善導之母

華富邨

廉政公署

愛德

新界濾水廠員工

群力

聖文德堂

聖方濟各

聖安多尼

聖老楞佐

聖若翰

聖雲仙

聖嘉彌祿

粉嶺華明邨

電訊盈科

精英

機電工程署

惠澤

Asian Migrants

協會中央社代表名單 HKLCCU Representatives

3

羅茂棠/王德明

陳雪芬/吳蓮香

李淑卿

趙肖儀

繆美儀/林玉琪

余遠年

謝鳯儀

黃賀瑩/岑鴻德

唐珩

徐秀娟

黃木貴

馮佩珍

阮邦輝

黃君廉/莫家麟

唐耀棋

鄧紹明

陳鍚敦

馮國華

賴李少芳

郭有明

陳健榮

楊綺華

杜森泉

陳偉翔/吳惠珍

馮偉鴻

胡惠民/吳文業

李煥笑

黃惠賢

潘緒光/卓慧雅

馬慶堂

黃天賜

葉潔美/林鋇沂

曹廣慶

施婉婉/鄺偉榮

黎偉雄/黃少華

馮瑞馨

黎梅貞

Sheung Shui (SSCU)

University (UCU)

Mutual Trust (MTCU)

Hong Kong Observatory (HKOCU)

Water Supplies Department Staff (WSDSCU)

San Miguel (SMCU)

Social Welfare Department (SWDCU)

Government Supplies Staff (GSSCU)

The Chinese University of Hong Kong Employees’

(CUHKECU)

Hong Kong Caritas Staff (HKCSCU)

Hong Kong Playground Association Staff

(HKPASCU)

Hong Kong Cathedral (HKCCU)

Marine Department Staff (MDSCU)

Star of The Sea Church (SOSCCU)

HIT (HITCU)

Junk Bay (JBCU)

Choi Hung Estate Holy Family (CHEHFCU)

Labour Department Staff (LDSCU)

Mother of Good Counsel (MOGCCU)

Wah Fu Estate (WFECU)

ICAC (ICACCU)

Oi Tack (OTCU)

New Territories Treatment Works Staff

(NTTWSCU)

People’s Effort (PECU)

St. Bonaventure's Church (STBNCU)

St. Francis (STFRCU)

St. Anthony’s (STANCU)

St. Lawrence (STLRCU)

St. John‘s (STJNCU)

St. Vincent (STVCCU)

St. Camillus (STCSCU)

Fanling Wah Ming Estate (FLWMECU)

PCCW (PCCWCU)

Elite (ECU)

Electrical & Mechanical Services Department

(EMSDCU)

Rainbow (RCU)

Asian Migrants (AMCU)

Credit Union 儲社代表社名

Law Mau-tong/ Wong Tak-ming

Chan Suet-fun/ Ng Lin-heung

Lee Shuk-hing

Chiu Chui-yee

Miao Mei-yee/ Yuki Lam

Yu Yuen-nin

Tse Fung-yee

Kimmy Wong/ Roy Sum

Tong Hang

Representative

Tsui Sau-kuen

Wong Mok-kwai

Fung Pui-chun

Yuen Pong-fai

Wong Kwan-lin/Francis Mok

Tong Yiu-kee

Tang Siu-ming

Chan Shek-dan

Fung Kwok-wa

Lai Lee Sui-fong

Kwok Yau-ming

Knite Chan

Yeung Yee-wah

To Sum-chuen

Chan Wai-cheung/ Ng Wai-chun

Fung Wai-hung

Woo Wai-man/ Ng Man-yip

Lee Woon-siu

Anita Wong

Poon Sui-kwong/ Cheuk Wai-nga

Ma Hing-tong

Wong Tin-chee

Yip Kit-mei/ Lam Pui-yee

Tso Kwong-hing

Winnie Sze/ Kwong Wai-wing

Lai Wai-hung/ Wong Siu-wah

Susan Fung

April Lai

第40屆社員周年會議記錄

Minutes of the 40th Annual Meeting

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日期： 2012年6月20日 (星期三)

時間：下午7時30分

地點：九龍彩虹邨金華樓地下1-2號室

出席嘉賓：註冊官代表 –黎紹光、周善琼

出席社員： 44名

列席代表： 10名

Date： 20 June 2012 (Wednesday)

Time： 7:30 p.m.

Venue： Party Room 1-2, G/F.,

Kam Wah House, Choi Hung Estate,

Kowloon, Hong Kong

Guest： Edward Yuen, Lai Siu-kwong

(Registrar’s Representatives)

Chow Sin-king

(Registrar’s Representatives)

No. of Participating Members：44

No. of Observers： 10

社員社 (27) 儲蓄互助社代表上水羅茂棠大學張蘭珍互信李淑卿天文台趙肖儀水務署員工林玉琪

政府物料供應人員李錦儀香港中文大學僱員陳玉卿

香港明愛員工香港總堂

徐秀娟馮佩珍

海星堂莫家麟國際貨櫃碼頭惠澤善導之母廉政公署愛德新界濾水廠員工群力聖文德堂聖方濟各聖老楞佐聖若翰聖雲仙

唐耀祺馮瑞馨陳朱霞尹淑賢楊綺華杜森泉吳惠珍馮偉鴻吳文業黃惠賢潘緒光秦約瑟

Member’s Credit Union (27)

Credit Union Representatives

Sheung Shui Law Mau-tong

University Cheung Lan-chun

Mutual Trust Lee Shuk-hing

Hong Kong Observatory Chiu Chui-yee

Water Supplies Department

Staff

Yuki Lam

Government Supplies Staff Lee Kam-yee

The Chinese University of

Hong Kong Employees’

Meion Chan

Hong Kong Caritas Staff Tsui Sau-kuen

Hong Kong Cathedral

Star of The Sea Church

Fung Pui-chun

Francis Mok

HIT

Rainbow

Mother of Good Counsel

ICAC

Oi Tack

New Territories Treatment

Tong Yiu-kei

Susan Fung

Erica Chan

Wan Shuk-yin Yeung Yee-wah

To Sum-chuen

Works Staff

People’s Effort

St. Bonaventure’s Church

Ng Wai-chun

Fung Wai-hung

St. Francis Ng Man-yip

St. Lawrence Anita Wong

St. John’s Poon Sui-kwong

St. Vincent Chun Yeuk-sut

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Individual Members (17)

Jimmy Yeung

Mak Kui-hoi

Cecilia Li

Hung Hing-chu

Cheung Yuen-lung

Wicky Li

Karen Chan

Wong Tak-chung

John Lui

Alan Cheng

Vincent Chow

Francis Hui

Frankie Law

Lee Yuen-cheong

Tom Tseng

John Kwok

Winnie Sze

個人社員 (17)

楊達榮麥鉅開李明珠

孔慶柱

張源龍李鴻達陳淑英王德忠呂鋈鑾鄭煙港周厚強許翊樂羅保祥李遠昌曾慶華郭德培施婉婉

列席儲社代表/個人 (10) 儲蓄互助社代表上水社大學社

何占美鄭湛培

香港總堂社香港總堂社精英社機電工程署社

梁清華徐詩斯卓國基黃少華

香港儲蓄互助社協會香港儲蓄互助社協會香港儲蓄互助社協會香港儲蓄互助社協會

鄧湛泉葉偉光周志明盧碧有

Observers (10)

Credit Union Representatives

Sheung Shui Jimmy Ho

University

Hong Kong Caritas Staff

Hong Kong Caritas Staff

Cheng Cham-pui

Leung Ching-wah

Cecilia Tsui

Elite

Electrical & Mechanical Services

Department

Credit Union League of Hong Kong


Cheuk Kwok-hay

Wong Siu-wah

Kidson Tang

Charles Yip



Jimmy Chow

Lo Pik-yau

協會職員李遠昌高敬思凌朗茵

Staff

Lee Yuen-cheong

Derek Ko

Cindy Ling

社員社

儲蓄互助社代表

聖嘉彌祿黃天賜

電訊盈科羅堯佳

精英施婉婉

機電工程署黎偉雄

Member’s Credit Union

Credit Union

Representatives

St. Camillus Wong Tin-chee

PCCW Lo Yiu-kai

Elite Winnie Sze

Electrical & Mechanical

Services Department

Lai Wai-hung

1. 確定足夠法定人數，宣布正式開會司儀李遠昌確定出席會議的社員達到法定人數，宣布會議開始。

6

第40屆社員周年會議記錄 (續) Minutes of the 40th Annual Meeting (continued)

1. Ascertainment of Quorum and Call

the Meeting to Order

Lee Yuen-cheong, Mister of Ceremony,

announced that a quorum was present and

called the meeting to order

2. Opening Address by the President

Jimmy Yeung, President , welcomed all

guests, members and observers to attend

the Annual Meeting

4. 通過第39屆社員周年會議記錄秘書孔慶柱請社員參閱年報第4頁至第10頁所刊載2011年6月22日舉行之第39

屆周年會議記錄。

由黎偉雄(機電工程署儲蓄互助社)動議，徐秀娟(香港明愛員工儲蓄互助社)和議，大部份出席社員通過。

4. Confirmation of the Minutes of the

39th Annual Meeting

Hung Hing-chu, Secretary, invited the

members to refer to pages 4 to 10 of the

Annual Report for the Minutes of the 39th

Annual Meeting held on 22 June 2011.

Lai Wai-hung (EMSDCU) proposed and

Tsui Sau-kuen(HKCSCU) seconded.

The Minutes as adopted by a majority of

the members present.

3. 介紹嘉賓李遠昌介紹各出席嘉賓、社員及出席的儲社代表。

3. Introduction of Guests of Honor and

Attendees

Lee Yuen-cheong, Mister of Ceremony,

introduced the honorable guests and

their belonged organizations/credit unions..

2. 社長致辭社長楊達榮歡迎各位嘉賓、各位社員及列席代表抽空出席是次社員周年會議。

5. 董事會報告社長楊達榮呈交董事會報告，內容請參

閱年報第12頁至第13頁。由趙肖儀(天文台儲蓄互助社)動議，莫家麟(海星堂儲蓄互助社)和議，大部份出席社員通過。

5. Board of Directors Report

Jimmy Yeung, President, presented the

Board of Directors Report on pages 12 to

13 of the Annual Report.

Chiu Chui-yee (HKOCU ) proposed

and Francis Mok(SOSCCU) seconded,

the Report was adopted by a majority of


6. 司庫報告司庫李明珠呈交司庫報告及財務報告，內容請參閱年報第15頁之司庫報告及第16-17頁之財務報告。由馮瑞馨(惠澤儲蓄互助社)動議，吳惠珍(群力儲蓄互助社)和議，大部份出席社員通過。

7

6. Treasurer Report

Cecilia Li, Treasurer, presented the

Treasurer Report on page 15 and Financial

Report on page 16-17 of the Annual Report.

Susan Fung (RCU) proposed and Ng

Wai-chun (PECU) )seconded,



7. 投資報告李遠昌代表協會資產管理委員會呈交投資報告，內容請參閱年報第14頁。

7. Investment Report

Lee Yuen-cheong, represent the Asset

Management Committee of the League,

delivered the Investment Report on page 14

of the Annual Report.

8. 貸款委員會報告貸款委員會主席王德忠呈交貸款委員會

報告，內容請參閱年報第22頁。

由張蘭珍(大學儲蓄互助社)動議，羅茂棠(上水儲蓄互助社)和議，大部份出席社員通過。

8. Credit Committee Report

Wong Tak-chung, Chairman of the Credit

Committee, presented the Credit

Committee Report on page 22 of the

Annual Report.

Rosemary Cheung (UCU) proposed and

Law Mau-tong (SSCU) seconded, the

Report was adopted by a majority of the

members present.

9. 監察委員會報告

監察委員會主席張源龍呈交監察委員

會報告，內容請參閱年報第23頁。

由杜森泉(新界濾水廠員工儲蓄互助社)

動議，陳朱霞(善導之母儲蓄互助社)和議，大部份出席社員通過。

9. Supervisory Committee Report

Cheung Yuen-long, Chairman of the

Supervisory Committee, presented the

Supervisory Committee Report on page 23

of the Annual Report.

To Sum-chuen (NTTWSCU) proposed

and Erica Chan (MOGCCU) seconded,



8


10. 註冊官審查報告書李遠昌報告2011-12年度之註冊官審查

報告書尚未完成，待完成後將發放各社

員參閱。

10. Report of Examination by the Registrar

The report has not been completed,

will be issued upon completion of the

members’ reference.

11. 宣布派發股息

社長楊達榮建議採納董事會的提議，對

所有於2012年3月31日已繳足的股份派

發2.0釐股息。

由莫家麟(海星堂儲蓄互助社)動議，

徐秀娟(香港明愛員工儲蓄互助社)和議，

大部份出席社員通過。

11. Declaration of Dividend on Shares

Jimmy Yeung, President, proposed to

adopt the recommendation given by the

Board to pay a dividend of 2.0% per

annum on all shares fully paid up as at 31

March 2012.

Francis Mok (SOSCCU) proposed

and Tsui Sau-kuen (HKCSCU) seconded,

the Proposal was adopted by a majority of


12.其他事項

12.1 通過撥款

李遠昌請社員追認通過下列撥款-

i) 由儲備金撥款$ 2,566,054.34至

投資損失

ii)由投資公平值變動準備金撥款

$350,000.00至投資損失

iii)由社會責任準備金撥款

$100,000.00至累積未分配盈餘

iv)由儲運拓展準備金撥款

$194,085.89至累積未分配盈餘

v)由稅務準備金撥款

$1,120,000.00至累積未分配盈餘

黃惠賢(聖老楞佐儲蓄互助社) 詢問投資損

失是否已確認及反映在上年度財務報告內?

李遠昌回答投資虧損已確認，都是在上年

度出售或贖回投資項目時的損失，並反映

於財務報告內。

12. Any Other Business

12.1 Adopt the Appropriation

Lee Yuen-cheong proposed to ratify the

following appropriation –

i) Transfer $ 2,566,054.34 from Reserve

Fund to Investment Loss

ii) Transfer $350,000.00 from Reserve for

Investment Change in Fair Value

to Investment Loss

iii) Transfer $100,000.00 from Reserve for

Social Responsibility to Undivided

Earnings

iv) Transfer $194,085.89 from Reserve for

Development to Undivided Earnings

v) Transfer $1,120,000.00 from Provision

for Tax to Undivided Earnings

Anita Wong (STLRCU) questioned did the

investment loss had been recognized and

reflected in the financial statements of the

previous year.

Lee Yuen-cheong stated that the investment

loss had been recognized which were occurred

on selling or redeeming investment items in

last year. They were reflected in the financial

statement.

9

13. 選舉 13.1 董事會空缺：兩名候選人：兩名等額選舉，候選人自動當選。當選者：孔慶柱

鄭利明

上列候選人於會議中得到出席社員一致

通過當選。

13.2 貸款委員會空缺：一名候選人：兩名鄭煙港許翊樂

13. Election

13.1 Board of Directors

Vacancy: 2

Nominee: 2

Single-candidate election, uncontested.

Elected: Hung Hing-chu

Cheng Lee-ming

The above nominees were elected

13.2 Credit Committee

Vacancies: 1

Nominees: 2

Alan Cheng

Francis Hui.

由陳朱霞(善導之母儲蓄互助社)動議，

李淑卿(互信儲蓄互助社)和議，

大部份出席社員通過。

12.2 委任法律顧問

李遠昌報告董事會建議委任司徒維新律師

行為本社法律顧問。

由潘緒光(聖若翰儲蓄互助社)動議，

黃惠賢(聖老楞佐儲蓄互助社)和議，大部

份出席社員通過。

Erica Chan (MOGCCU) proposed

and Lee Shuk-hing (MTCU) seconded,

the Proposal was adopted by a majority

of the members present.

12.2 Appointment of Legal Adviser

Lee Yuen-cheong reported Board of

Directors that proposed to appoint

Szeto Wai-sun, Solicitor of W.S. Szeto &

Lee Solicitors, as Legal Adviser.

Poon Sui-kwong (STJNCU) proposed

and Anita Wong (STLRCU) seconded, the

Proposal was adopted by a majority of the

members present.

潘緒光(聖若翰儲蓄互助社) 詢問如當時

不出售或贖回投資項目，現在又如何?

李遠昌回應根據訂立的投資守則，當投資

項目價格低於帳面值15%時，就要即時考

慮出售或贖回，以管理風險。況且，在衡

量當時的市場趨勢及考慮到前景並不明朗，

故作出此等決定。

Poon Sui-kwong (STJNCU) questioned what if

the investment items has not been sold or

redeemed during previous year.

Lee Yuen-cheong stated that referring to the rules

of investment of Credit Union, once the price of

investment item reduce 15% from the face value,

selling or redeeming should be consider

immediately in order to manage the investment

risk. Moreover, as the market trend and the future

prospects were unclear during previous year, the

mentioned action was decided to be taken.

10


16. 宣布周年會議結束周年會議於下午8時50分結束。

16. Adjournment of the Annual Meeting

The Annual Meeting was adjourned at

8:50 p.m.

15. Announcement of the Result of Election

of Officers of the Board

The Board of Directors convened a

meeting immediately to elect the officers

of the Board. The result of election of

officers of the Board was as follows:

President: Cecilia Li

Vice President: Cheng Lee-ming

Treasurer: Hung Hing-chu

Secretary: Mak Kui-hoi

Director: Jimmy Yeung

社長秘書楊達榮孔慶柱

Jimmy Yeung Hung Hing-chu

Chairman Secretary

14. Election of Officers of the Board 14. 董事會互選

13.3 監察委員會空缺：一名候選人：兩名周厚強

李鴻達

由於貸款委員會及監察委員會皆為候選人多於空缺，故需進行差額選舉，由各出席社員即場投票選舉。李遠昌邀請註冊官代表黎紹光及一位出席社員監督是次選舉。出席社員推舉尹淑賢(廉政公署儲蓄互助社)

代表出席社員監督是次選舉。出席社員44

名，共收回42票(其中3張廢票)。

13.3 Supervisory Committee

Vacancy: 1

Nominee: 2

Vincent Chow

Wicky Li

15.宣布董事會互選結果

董事會即時舉行會議進行互選，

結果如下：

社長：李明珠

副社長：鄭利明

司庫：孔慶柱

秘書：麥鉅開

董事：楊達榮

是次選舉得票結果如下:-

貸款委員會

鄭煙港 (14票) 許翊樂 (25票)

當選者：許翊樂

監察委員會

周厚強 (27票) 李鴻達 (12票)

當選者：周厚強

Competitive Election required for Credit

Committee and Supervisory Committee since

nominee more than vacancy.

Lai Siu-kwong (Representative of Registrar)

and Psyche Wan (ICACCU) was appointed to

monitor and supervise the election. Total 44

members presented. 42 ballots received (3

ballots voided)

The result of election:

Credit Committee

Alan Cheng (14 ballots) Francis Hui (25 ballots)

Elected: Francis Hui

Supervisory Committee

Vincent Chow (27 ballots) Wicky Li (12 ballots)

Elected: Vincent Chow

11

2012至2013年度董事及委員名單

List of Directors and Committee Members for 2012-2013

副社長：鄭利明 Vice President: Cheng Lee-ming

社長：李明珠 President: Cecilia Li

司庫：孔慶柱 Treasurer: Hung Hing-chu

秘書：麥鉅開 Secretary: Mak Kui-hoi

董事：楊達榮 Director: Jimmy Yeung

主席：王德忠 Chairman: Wong Tak-chung

董事會 Board of Directors

貸款委員會 Credit Committee

委員：許翊樂 Member: Francis Hui

秘書：呂鋈鑾 Secretary: John Lui

委員：陳淑英 Member : Karen Chan

主席：張源龍 Chairman : Cheung Yuen-lung

秘書：周厚強 Secretary: Vincent Chow

監察委員會 Supervisory Committee

社員數目截至2013年3月31日止，本社社員數目為57名，包括37家社員儲蓄互助社和20名個人社員。本年度有4名個人社員退社。

12

董事會報告 Board of Directors Report

股份結餘本社於 2013年 3月 31日的股份結餘為61,490,928港元比上年度增長8.2%。

Share Balance

As at 31 March 2013, the share balance

amounted to HK$61,490,928 has an increase

of 8.2% when compared with the previous

year.

Membership

Our Central Credit Union had 57 members as at

31 March 2013, including 37 credit unions and

20 individual members. During the year, 4

individual members withdrew their membership.

貸款結餘截至 2013年 3月 31日止之貸款結餘為125,208港元，比上年度增加10%。

Loan Balance

As at 31 March 2013, the loan balance with

an increase of 10% amounted to HK$125,208

when compared with the previous year.

資產淨資產則為63,568,289港元，比上年度增加11%。

Asset

The net asset of HK$63,568,289 had a

increase of 11% when compared with the

previous year.

社務堅守管理風險尋求合理回報 2012下半年，金融市場較為淡靜，但投資氣氛相對上一年較好。在嚴格遵守既定的守則及管理投資風險下，本社的投資得以達致預期的目標回報。踏入2013年，我們仍會堅守行之有效的穩健原則，以確保社員存放的資金得到最佳的保障及獲得合理的回報。

Operation

Stick to Manageable Risk, Strive for

Reasonable Return

In the second half year of 2012, the money

markets were comparatively quiet with better

investment sentimental. We stuck to our

investment guidelines and managed

investment risk and achieved the target return.

Step into 2013, we will stick to the safe and

cautions strategy to ensure well protection

and reasonable return on members’ savings.

稅務局徵收利得稅有關反對稅務局徵收利得稅事項，仍在等待稅務局局長的最終決定。另一方面，與其他儲社聯署「上書特首及行政會議」的行動，據悉協會於2012年7

月期間，再上書新任「特首及行政會議」各成員；惟至現時仍未有確實的回覆。

13

股息董事會建議派發2.8釐股息，在2013年3月31日已繳足的股份皆可享有此項股息。

Profits Tax levied by Inland Revenue Department

Regarding the objection of profits tax levied by

the Inland Revenue Department, we are still

waiting for the final determination from the

Commissioner of the Inland Revenue

Department. On the other hand, regarding petition to the Chief Executive in Council, follow-up action made by the League including re-submission of petition to members of new “Chief Executive in Council” in July 2012. However, final decision not yet achieved at the time being.

社長李明珠

Cecilia Li

President

前瞻未來一年，我們會更謹慎及留意市場情況，務求可平衡在投資方面的風險及回報，以確保為社員的資金尋求穩定及合理的回報。

Dividend on Shares

The Board recommended a dividend of 2.8%

per annum to be paid on all shares fully paid

up as at 31 March 2013.

The Future

In the coming year, we will play more safe on

our investment in react to the market trend.

To ensure reasonable return on members’

savings, we will do our best to balance the

risk and return.

鳴謝本人對過去一年各董事、委員的無間合作和無私貢獻、協會職員的努力及各社員儲蓄互助社和個人社員的鼎力支持和信任，謹致以衷心謝意。

Acknowledgement

I would like to express my sincere thanks to

all Directors and Committee Members,

employees of the League, all member credit

unions and individual members for their

cooperation and disinterested contribution to

our Central Credit Union in the past year.

14

投資報告於2013年3月31日

Investment Report As at 31 March 2013

資產分佈圖 Asset Allocation

合計 Total：HK$51,602,009 (81%淨資產 Net Assets)

投資組合 Investment Portfolio

EBRD-5.375PC EMTN 21AUG15 Senior 3,869,048 , 7%

Hitachi Capital 3.75PCT 22/3/2015 CNY, 1,232,600 , 2%

AB Global High Yield Portfolio (HKD)-AT,

3,120,810 , 6%

AB Global High Yield Portfolio (USD)-AT,

3,323,326 , 6%

Allianz-US High Yield Fund AM/DIS/HKD(CSH),

4,135,458 , 8%

Allianz-US High Yield Fund

AM/DIS/USD(CSH), 4,031,157 , 8%

Fidelity Funds - Asian High Yield Fund (Class A-USD-MDIST Cash)

4,072,182 , 8%

AllianceBernstein-American Income Portfolio (Class AT-USD-MDIST Cash)

3,533,117 , 7%

AllianceBernstein-American Income Portfolio (Class AT-HKD-MDIST Cash)

2,518,398 , 5%

Investec GSF - Global Natural Resources Fund (A) Income

Shares(cash) 1,984,459 , 4%

PIMCO Emerging Asia Bond (E)-USD CASH

2,040,374 , 4%

PIMCO GIS High Yield Bond (E)-

DIST CASH 4,030,248 , 8%

Stock #823 (Link Reit)

3,214,800 , 6%

Stock #2840 (SPDR GOLD ETF)

1,809,000 , 4%

Stock #2800 (Tracker Fund) 2,858,900 , 6%

Cash(HKD+USD) 5,830,326, 11%

其他投資 Other

Investments 40,672,230 , 64%

持有至到期日

證券

Held-to-maturity Securities

5,101,647 , 8%

貨款 Loans

125,208 , 0.2%

銀行及現金結存

Cash at banks and in hand 15,830,326 ,

24.9%

其他資產 Other

Assets 1,838,878 , 2.9%

合計 Total：HK$63,568,289

截至2013年3月31日止之財政年度，本社可供分配盈餘如下：

15

司庫報告 Treasurer Report

可供分配盈餘本年度盈餘減：撥入儲備金加：上年度未分配盈餘可供分配盈餘

Available for Appropriation

Surplus for the Year

Less: Transfer to Reserve Fund

Add: Undivided Earnings Brought Forward

Undivided Earnings Available for Appropriation

For the financial year ended 31 March 2013, the

available undivided earnings were as follows:

港元 HK$

3,270,797

(654,159)

2,616,638

3,080

2,619,718

分配

建議股息

撥入稅務準備金

撥入投資公平值變動準備金

本年度未分配盈餘結存

Appropriation

Proposed Dividend

Transfer to Provision for Tax

Transfer to Reserve for Investment Change in Fair Value

Undivided Earnings Carried Forward

1,658,963

39,0515

570,240

2,619,718

投資去年在投資收益方面，可算是不錯的一年，基於本社將大部份資金投放於定息的組合，故而收入可算穩定及維持不錯的水平，全年度共錄得投資收益包括未兌現盈餘逾390萬港元。在此，感謝協會資產管理委員會的協助。

Investments

Last year we got a good return on investment. We got a

stable income throughout the year majorly coming from

those investments with fixed interest. Thanks to the

assistance of the Asset Management Committee, the

investment gain including unrealized gain recorded over

HK$3.9 million last year.

展望展望2013年，我們仍會致力維持穩定的收益，為社員投放的資金賺取合理的回報。亦會繼續發揮中央儲蓄互助社的角色，與各儲社一起邁步向前。

Prospect

Year 2013, we will strive to maintain a reasonable return

for members and continue elaborate the role of Central

Credit Union and get together with member credit unions to

step forward.

司庫孔慶柱

Hung Hing Chu

Treasurer

16

收支表截至3月31日之年度

Income and Expenditure Statement for the year ended 31 March

收入貸款利息收入投資的利息收入股息收入銀行利息收入出售其他投資的淨盈利外幣兌換盈利/(虧損) 全年度總收入

INCOME

Interest on loans

Interest on investments

Dividend income

Interest on bank deposits

Gain on disposal of other investments

Exchange gain/(loss)

TOTAL INCOME FOR THE YEAR

支出投資行政費投資虧損律師費協會服務費用捐款支出其他營運開支全年度總支出

本年度營運盈餘/(虧損) 其他投資的未變現盈利

本年度盈餘/(虧損)

撥入儲備金

上年度未分配盈餘可供分配盈餘

第18頁至第21頁之附註屬本財務報告之一部分。 The notes on pages 18 to 21 form part of these financial statements.

分配建議

建議股息

撥入稅務準備金

撥入投資公平值變動準備金

撥入社會責任準備金

撥入儲運拓展準備金

本年度未分配盈餘

EXPENSES

Investment expenses

Investment Loss

Legal fees

League Services Charges

Donation

Other operating expenses

TOTAL EXPENSES FOR THE YEAR

OPERATING SURPLUS/(LOSS )

FOR THE YEAR

Unrealised gain on other investments

SURPLUS/(LOSS) FOR THE YEAR

Transfer to Reserve Fund

UNDIVIDED EARNINGS BROUGHT

FORWARD

UNDIVIDED EARNINGS

AVAILABLE FOR

APPROPRIATION

APPROPRIATION PROPOSAL

PROPOSED DIVIDEND

Transfer to Provision for Tax

Transfer to Reserve for Investment Change in Fair Value

Transfer to Reserve for Social Responsibility

Transfer to Reserve for Development

UNDIVIDED EARNINGS CARRIED

FORWARD

附註 NOTE

2013

港元HK$

4

3

2012

港元HK$

7,887

1,141,785

126,234

269,421

1,095,141

64,724

2,705,192

169,548

2,363,160

-

394,000

-

127,388

3,054,096

(348,904)

-

1,102,412

1,099,332

-

1,102,412

17,547

1,595,682

88,010

223,451

1,137,977

16,817

3,079,484

429,739

-

-

392,950

1,000

125,478

949,167

2,130,317

1,140,480

3,270,797

(654,159)

3,080

2,619,718

1,658,963

390,515

-

2,619,718

3,080

570,240

-

-

-

-

-

13

13

(348,904)

-

1,451,316

56,827,875

299,859

200,548

(38,000)

-

-

3,080

57,293,362

流動負債建議股息應付費用

流動資產淨值

長期負債社員定期存款

CURRENT LIABILITIES

Proposed Dividend

Accruals

NET CURRENT ASSETS

LONG-TERM LIABILITIES

Fixed deposits from members

8

財務來源：

股份結餘

儲備金

稅務準備金

Financed by:

Share Balance

Reserve Fund

Provision for Tax

於2013年4月29日經董事會批准及授權 Approved and authorised for issue by the Board of Directors on 29 April 2013

1,099,332

-

(1,099,332)

56,060,762

9

12

11

17

資產負債表於3月31日

Balance Sheet at 31 March

非流動資產持有至到期日證券

NON-CURRENT ASSETS

Held-to-maturity securities

流動資產貸款在一年內到期的持有至到期日證券其他投資外幣定期存款銀行及現金結存應收款項應收股息預付款項

第18頁至第21頁之附註屬本財務報告之一部分。 The notes on pages 18 to 21 form part of these financial statements.

CURRENT ASSETS

Loans

Held-to-maturity securities

maturing within 1 year

Other investments

Fixed deposits

Cash at banks and in hand

Receivables

Dividend receivable

Prepayment

附註 NOTE

2012

港元HK$

6

社長李明珠 Cecilia Li, President

司庫孔慶柱 Hung Hing-chu, Treasurer

1,232,600

113,617

-

3,851,000

-

49,900,392

36,048

-

3,259,037

57,160,094

-

57,293,362

7

2013

港元HK$

5,101,648

125,208

-

40,672,230

12,118,365

3,711,961

1,509

237,294

3,259,037

60,125,604

1,658,963

-

(1,658,963)

58,466,641

-

63,568,289

61,490,928

954,058

591,063

532,240

-

-

-

63,568,289

Reserve for Investment Change in Fair Value

投資公平值變動準備金

Reserve for Social Responsibility

Reserve for Development

Undivided Earnings

社會責任準備金儲運拓展準備金未分配盈餘

13

3

5

10

1. 會計帳項編製準則此會計帳項的編製準則是根據原始成本方式、香港會計師公會所頒布的會計實務準則及詮釋、香港公認會計原則、並符合《儲蓄互助社條例》及香港協會中央儲蓄互助社章程。

18

帳項附註 Notes of the Accounts

2. 主要會計政策 2.1 收入的確認

社員貸款利息收入是以實際已收的利息入帳。於年結月時，當月的應收社員貸款利息收入均於應計之時在收支表內確認。存款利息和投資收入均於應計之時在收支表內確認。

Significant Accounting Polices

Income Recognition

Interest income on loans is accounted for on

cash basis. At the year-end month, interest

income on loans is recognised in the Income

and Expenditure Statement as they accrue.

Basis of Preparation of Accounts

The accounts are prepared under historical cost

convention and in accordance with applicable

Statements of Standard Accounting Practice and

Interpretation issued by the Hong Kong Society

of Accountants, accounting principles generally

accepted in Hong Kong and the requirements of

“Credit Unions Ordinance” and the By-Laws of

Hong Kong League Central Credit Union.

2.2 投資證券 2.2.1 「持有至到期日證券」為預算持有

至指定贖回日期的證券，並以帳面價值及以每項投資項目獨立計算。當投資的帳面價值不能收回時，此撥備會在「投資公平值變動準備金」帳項內確認。

Interest on deposits and income from

investments are recognised in the Income and

Expenditure Statement as they accrue.

Investment Securities

“Held-to-maturity securities” are securities

redeemable at fixed dates, intended to be held

to maturity and are stated at carrying value,

on an individual investment basis. Provisions

are made when it is not likely that the

carrying value of the investment can be

recovered and the amount of provisions is

recognised as in account named “Provision

for Investment Change in Fair Value”.

2.2.2其他投資證券會被列為「其他投資」，並以公平值列出。公平值的變動會於年終時在「投資公平值變動準備金」帳項內確認。購入其他投資證券的主要目的是在短期的價格波動或證券商的差價中獲利。

Other investment securities are classified as

“other investments” and are stated at fair

value. Changes in fair value are recognised in

account named “Provision for Investment

Change in Fair Value” at the year end. Other

investment securities were acquired

principally for the purpose of generating a

profit from short-term fluctuations in price or

dealer’s margin.

19

Foreign Currencies

Monetary assets and liabilities denominated

in foreign currencies other than Hong Kong

Dollars are re-translated into Hong Kong

Dollars at the rates ruling on the balance

sheet date. Gains and looses arising on

exchange are dealt with in the Income and

Expenditure Statement as incurred.

Profit or loss on disposal of investments in

securities are determined as the difference

between the net disposal proceeds and the

carrying amount of the investments and are

accounted for in the Income and Expenditure

Statement they arise.

Proposed Dividend

Provision has been made in the accounts for a

dividend payable to members having a share

balance with the Credit Union as at 31 March

2013. The dividend rate of 2.80% per annum

is calculated pro-rata on members' share

balances outstanding at the end of each

month during the year.

Approval of this proposal will be sought by

the Board of Directors from the members at

the Annual Meeting to be held on 19 June

2013.

2.2.3 出售投資證券的盈利或虧損，以出售時的淨實收款項與證券的帳面價值的差額，在收支表內確認。

Gain on Disposal of Other

Investments

(Sales Proceeds total 8 items)

2.3 外幣以非港元之外幣為單位之貨幣資產及負債均按年結日之匯率再折算為港元。因匯兌而產生之權益及虧損均撥入收支表處理。

3. 建議股息社員於2013年3月31日在儲蓄互助社存有股份者將可收取股息，帳項內的應付股息準備乃按社員於本年度內的每月股份結餘以年息2.80釐按比例計算。

董事會須待2013年6月19日所舉行的社員周年會議中由出席社員通過此項建議。

4. 出售其他投資的淨盈利

所得收益 (共出售或贖回 8 個項目)

2012

港元HK$

2013

港元HK$

1,095,141 1,137,977

Fidelity-Funds SICAV-Indonesia Fund

Fidelity-Thailand Fund

JF-Phillipine Fund

HK Stock-#0823 (領匯房產基金)

HK Stock-#2823 (X安碩A50中國)

HK Stock-#1828 (大昌行集團)

HK Stock-#0016 (新鴻基地產)

HK Stock-#3988 (中國銀行)

Gain on Disposal 出售的盈餘

20

Prepayment

Opening Balance

Tax Reserve Certificate 2004/05-

2007/08

Tax Reserve Certificate 2008/09

Closing Balance

5. 預付款項

於年初結存

儲稅劵2004/05年度至2007/08年度

儲稅劵2008/09年度

於年終結存

2012

港元HK$

2013

港元HK$

6. 持有至到期日證券

持有至到期日證券的帳面價值

Held-to-maturity Securities Held-to-maturity Securities, at

Carrying Value

7. 其他投資其他投資的公平值(截至 2013年3月31日) 於2013年4月1日匯兌調整

Other Investments Other Investments, at Fair Value as

at 31 Mar 2013

Currency Exchange Adjustment as

at 1 April 2013

8. 儲備金

於年初結存

入社費

劃銷非經常性虧損 (2011年)

由本年度盈餘撥入

於年終結存

Reserve Fund

Opening Balance

Entry Fee

Extraordinary loss Written –off

(2011)

Transfer from Surplus for the Year

Closing Balance

帳項附註(續) Notes of the Accounts(continued)

3,851,000

-

3,259,037

-

-

3,259,037

4,0672,230

-

299,859

-

-

654,159

954,058

於2013年4月1日的投資成本 Cost of Securities as at 1 April 2013 3,851,000

40,672,230

5,101,647

儲備金乃保存作為儲備，以應付儲蓄互助社在貸款到期全數償還的時間屆滿後仍未獲清還而招致的損失，以及應付儲蓄互助社在非因支出超逾收入的情況而招致的其他損失。

The Reserve Fund is kept against losses incurred from loans made by the

Credit Union, which remain outstanding after the time for their

repayment in full has expired and other losses, other than excess

expenditure over income, incurred by the Credit Union.

3,208,986

-

50,051

3,259,037

1,232,560

2,865,893

20

(2,566,054)

-

299,859

Provision for Tax

Opening Balance

Transfer to Undivided Earnings

Transfer from Surplus for this Year

Closing Balance

9. 稅務準備金

於年初結存撥至未分配盈餘由本年度盈餘撥入於年終結存

200,548

-

390,515

591,063

1,320,548

1,120,000)

-

200,548 The Provision for Tax is kept against profit tax may

be incurred from year 2009-2010 for the Credit

Union

稅務準備金乃由2009-2010年度開始保存作為儲備，以應付儲蓄互助社在該年度開始被追繳的利得稅。

21

Reserve for Investment Change

in Fair Value

Opening Balance

Transfer from Surplus/(Loss) for this Year

Closing Balance

10. 投資公平值變動準備金

於年初結存

由本年度盈餘/(虧損)撥入

於年終結存

2012

港元HK$

2013

港元HK$

Reserve for Development

Opening Balance

Sponsorship paid for this Year



Closing Balance

13. 未分配盈餘

於年初結存

撥(至) / 自本年度(虧損)/盈餘

撥(至)/自預留股息

撥(至) )/自稅務準備金

撥(至) )/投資公平值變動準備金

撥(至) )/社會責任準備金

撥(至) )/自儲運拓展準備金

於年終結存

Undivided Earnings

Opening Balance

Transfer (to) / from (Loss)/Surplus for this Year

Transfer (to)/from Provision for Dividend

Transfer (to)/form Provision for Tax

Transfer (to) from Reserve for Investment Change in Fair Value

Transfer (to) from Reserve for Social Responsibility

Transfer (to) From Reserve for Development

Closing Balance

14. 董事權益股份結餘貸款結餘

Directors’ Interests

Share Balance

Loan Balance

15. 比較數字部分比較數字已重新修訂以配合本年度的編列方式。

Comparative Figures

Certain comparative figures have

been restated to comply with current

year’s presentation.

12. 儲運拓展準備金於年初結存減：本年度贊助支出撥至未分配盈餘

由本年度盈餘撥入

於年終結存

(38,000)

570,240

532,240

-

-

-

-

-

689,480

-

472,456

-

Reserve for Social Responsibility

Opening Balance

Sponsorship paid for this Year



Closing Balance

11. 社會責任準備金於年初結存減：本年度贊助支出撥至未分配盈餘

由本年度盈餘撥入於年終結存

-

-

-

-

-

3,080

2,616,638

(1,658,963)

(390,515)

(570,240)

-

-

-

100,000

-

100,000

-

-

194,086

-

194,086

-

-

37,230

(348,904)

(1,099,332)

1,120,000

-

100,000

194,086

3,080

-

(38,000)

(38,000)

交稅 Tax Payment

76,000 , 6%

旅遊 Tour

30,000 , 2%

支付社員退股

Payment of Member Withdraw

1,172,133 , 88%

生意週轉 Business

53,900 , 4%

22

貸款委員會報告 Credit Committee Report

貸款委員會報告貸款委員會於2012至2013年度審批貸款申請 4宗，全部獲得批准，共批出貸款1,332,033港元，其中一宗為儲社貸款，3宗為個人社員貨款。

Credit Committee Report

In this financial year, a total of 4 loan

applications were approved. The total

approved amount was HK$1,332,033 which

were applications from 1 credit union and 3

individual members.

年度 Year

貸款宗數 No. of Loan Applications

總貸款額 (港元) Total Loan Amount (HK$)

2011-2012 2 123,000

2012-2013 4 1,332,033

主席王德忠

Wong Tak-chung

Chairman

合計Total：HK$1,332,033

本年度貸款用途分析如下： Analysis of the loan reasons is as follows:

23

監察委員會報告 Supervisory Committee Report

監察委員會報告監察委員會在2012至2013年度定期查核帳目及業務，並向董事會作出報告。

Supervisory Committee Report

In the year 2012-2013, our Committee

conducted regular and independent audits on

both the accounts and operation of our Credit

Union and reported the findings to our Board.

主席張源龍

Cheung Yuen lung

Chairman

各項審核工作包括：

1. 試算社員個人帳的股份及貸款結餘

2. 確定銀行現金

3. 留意每月依時預備月結

4. 核對年結及抽查股息計算

5. 查核貸款文件

6. 查閱各委員會會議記錄

7. 跟進董事會對註冊官審查報告所作出的

行動

The audited items included:

1. Calculation of individual share and loan

balance for members

2. Confirmation of cash at banks

3. Monitoring of on-time preparation of

monthly financial statements

4. Checking of year-end account closing and

random checking of dividend calculation

5. Examination of supporting documents for

loans

6. Checking of minutes for all Committee

meetings

7. Follow-up the actions taken by the Board

with regards to the recommendations given

in the Report of Examination of the

Registrar

在此謹對本委員會各成員的努力及各委員會的合作，表示衷心謝意。

We would like to take this opportunity to

express our thanks to our Committee

members for their efforts and other

Committees for their cooperation in the year.

-

0.20

0.40

0.60

0.80

1.00

1.20

1.40

1.60

1 2 3 4 5 6 7 8 9 10

0

10

20

30

40

50

60

70

80

90

100

1 2 3 4 5 6 7 8 9 10

27 27 25 22

21 22 18 22 24 20

-

10

20

30

40

50

60

70

1 2 3 4 5 6 7 8 9 10 38 38 36 36 35 36 37 37 37 37

十年統計數字

10-year Statistics

於3月31日之股份結餘

Share Balance as at 31 March 年份 Year 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

百萬港元HK$ Million

0.96 0.98

1.62 1.78

53.75 55.86 60.51 92.74 61.31 50.60 54.09 40.61 47.55 89.52

1.64

1.00

0.63 0.63

0.55 0.58

截至3月31日之年度批出貸款金額

Approved Loan Amount for the year ending 31 March

百萬港元HK$ Million

0.12

0.16

0.13

0.35

0.29

0.23

0.11

0.27

0.10

1.06 0.82 0.50 0.20

0.13

年份 Year 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

數目 Number

於3月31日之社員數目

Membership as at 31 March 年份 Year 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

個人

Individual

儲蓄互助社

Credit Union

24

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第37屆周年會議議程 日期: 2009年6月24日(星期三) 時間: 下午7...

Documents

第37屆周年會議議程日期: 2009年6月24日(星期三) 時間: 下午7...