Page 100 - Hospital Authority Annual Report 2019-2020

NOTES TO THE FINANCIAL 財務報表附註
STATEMENTS

15. Cash and bank balances 15. 現金及銀行結餘

The Group and HA 集團及醫管局
At 31 March 2020 At 31 March 2019
HK$’000 HK$’000
2020年3月31日 2019年3月31日
港幣千元 港幣千元

Cash at bank and in hand 銀行存款及手持現金 782,386 715,476
Bank deposits with original maturity within three months 11,323,620 3,458,943
原來到期日不超過三個月的銀行存款
Cash and cash equivalents 現金及現金等值 12,106,006 4,174,419
Bank deposits with original maturity over three months 8,135,161 15,097,206
原來到期日超過三個月的銀行存款
20,241,167 19,271,625

The cash and bank balances included bank deposits designated for 現金及銀行結餘包括小型工程項目基金及
Minor Works Projects Fund and PPP Fund of HK$159,255,000 (2019: 公私營協作基金的指定銀行存款，分別為
HK$138,055,000) and HK$125,097,000 (2019: HK$151,622,000) 港 幣159,255,000 元（二 零 一 九 年： 港 幣
respectively. The effective interest rate on short term bank deposits 138,055,000 元 ）及 港 幣125,097,000 元
is between 0.001% and 3.40% (2019: 0.001% and 3.00%). These （二零一九年：港幣151,622,000元）。短期銀
deposits have an average maturity of 57 days (2019: 50 days). 行存款的實際利率為0.001% 至3.40% 之間
（二 零 一 九 年：0.001% 至3.00% 之 間 ），
這些存款的平均到期日為57天（二零一九年：
50天）。

At 31 March 2020, the Group and HA had undrawn banking facilities 於二零二零年三月三十一日，集團及醫管局
of HK$1,350,000,000 (2019: HK$1,350,000,000). 未動用的銀行授信額為港幣1,350,000,000
元（二零一九年：港幣1,350,000,000元）。

16. Designated fund – Home Loan Interest 16. 指定基金 — 購屋貸款利息津貼
Subsidy Scheme 計劃

The Group offers eligible employees under the scheme an 根據此項計劃，集團為合資格僱員提供一項
interest subsidy to finance the purchase of a residence in Hong 利息津貼，資助他們在本港購置居所。資格
Kong. Eligibility under the scheme is primarily determined by the 主要決定於僱員的服務年資。津貼金額一般
employee’s length of service. The amount of subsidy generally 為合資格僱員應付利息率的一半，最高為每
represents half of the interest rate payable by the eligible employee 年6%。不過，資格及津貼最高限額受到計劃
up to a maximum of 6% per annum. However, eligibility and the 的一些規定所限制。
maximum amount of subsidies granted are subject to a number of
restrictions as further defined in the scheme.

The scheme is funded by HA through the recurrent subvention 該計劃由醫管局透過政府的經常性補助予以
from the Government. A designated fund has been set aside 資助。計劃預留一筆指定基金，用以支付購
for the scheme. As agreed with HKMA, HK$5,000,000,000 has 屋貸款利息津貼福利的有關開支。根據醫管
been placed with the Exchange Fund since 19 August 2019 for 局與金管局的協議，醫管局由二零一九年八
a period of six years during which HA would be able to request 月十九日起將港幣5,000,000,000元的款項存
one single withdrawal of an amount equal to or not more than 於外匯基金，為期六年，期間醫管局可在二
HK$2,000,000,000 during the period from 1 April 2023 to 31 March 零二三年四月一日至二零二四年三月三十一
2024. The remaining fund balance is maintained in designated bank 日要求一次過提取一筆相等於或不超過港幣
accounts which was included under cash and bank balances. 2,000,000,000元的款項。基金結餘存於指定
銀行戶口內，列入現金及銀行結餘。

98 Hospital Authority Annual Report 醫院管理局年報 2019-2020