遠東銀行-103年中文年報-10校(低解析).pdf

Transcription

1 mops.twse.com.tw

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3 Annual Report 2014 Sincerity Diligence Thrift Prudence Innovation

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5 ( ) 126 3

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7 Bank %103 GDR (EPS) % (ROA) 0.73% (ROE) 11.33% 10% 0.39% % Bank3.0 TSM OTA Cavalia E M O2O Big Data 40% Happy Go 5

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9 ( ) % % ( ) , % 5.73% % 639 ( ) 103 1, % 19.85% 30.91% 29.13% 35.37% 14.35% ( ) % % 96.20% TMU 59.48% 16.94% ( ) 103 5, % ( )4, % 3, % ( ) % % % % % 7

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11 (Fitch Ratings) A(twn) F1(twn) BBB- F3 / FE DirectE & M 103 TSM OTA OTP E M ( ) 32 ( ) %

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13 ( ) 5,510 ( ) 4,429 ( ) 3,654 ( ) FE DirectE M OTP (TDR) ( ) 1. E M Big Data Cross Sales Bundle Sales 2. HAPPY GO HAPPY GO Cest Moi SOGO etag HAPPY GO etag happycash E M ( ) 11

14 12

15 E-commerce Corporate Finance ( ) TMU 13

16 AIG 100 ING 14

17 99 FE Direct iphone Android e M 102 FETP

18 16 6 ( )

19 ( ) 1. ATM

20 ( ) ( ) ( ) (%) ( ) (%) ( ) (%) ( ) ,639,107 *12, * ,822,877 *14, * *0 0 *0 0 *0 ( ) ,765, ,504, ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ,585,568 *1,264, * ,339,676 *1,460, * *0 0 *0 ( ) 0 ( ) *0 ( ) ( ) ( ) ,585,568 * *0 50,339,676 * *0 0 *0 0 *0 0 *0 ( ) ( ) ( ) ( ) ( ) ,465,812 *3,667, * ,172,349 *4,806, * *5,425 0 * *0 ( ) ( ) ( ) 18

21 ( ) ( ) (%) ( ) (%) ( ) (%) ( ) ,915,143 *792, * ,044,753 *1,399, * *0 0 *0 ( ) 0 *0 ( ) ( ) ( ) ( ) ( ) ,915,143 * *0 68,044,753 * *0 0 *0 0 *0 0 *0 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 19

22 ( ) ( ) 65,553,900 *0 65,553,900 *0 (%) * *0 ( ) 75,712,265 *0 75,712,265 *0 (%) * *0 ( ) 0 *0 0 *0 (%) 0 *0 0 *0 ( ) 0 *0 ( ) 0 *0 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ,193,793 * *0 2,533,746 * *0 0 *0 0 *0 0 *0 ( ) * 20

23 (%) (26.95) (25.36) (15.66) (13.20) (4.61) (3.89) (3.89) (2.59) (2.31) (1.53) (9.28) (9.17) (7.20) (6.70) (5.61) (4.06) (4.01) (3.75) (3.13) (1.92) (41.86) (38.76) (19.38) (22.33) (5.40) (4.49) (2.31) (1.81) (1.49) (1.41) (1.41) (1.33) (1.29) (23.77) (4.81) (3.60) (2.99) (2.74) (2.33) (2.31) (2.10) (1.65) (1.55) (100.00) 21

24 (%) (99.87) (0.03) (73.54) ( ) (26.46) (100.00) (100.00) (100.00) (41.86) (38.76) (19.38) (83.81) (16.03) (37.13) (35.50) (14.50) (12.86) (0.00) (0.00) (66.66) (33.34) (47.00) (45.50) (5.00) (1.00) (1.00) (0.50) (99.40) (0.30) (0.30) (23.77) (4.81) (3.60) (2.99) (2.74) (2.33) (2.31) (2.10) (1.65) (1.55) (22.33) (5.40) (4.49) (2.31) (1.81) (1.49) (1.41) (1.41) (1.33) (1.29) (100.00) (100.00) (83.11) (7.52) (3.25) (0.88) (0.28) (0.15) (0.11) (0.05) (0.05) (0.05) (0.05) (100.00) (29.92) (25.02) (18.96) (17.66) (6.50) (1.84) (0.10) (100.00) (26.95) (25.36) (15.66) (13.20) (4.61) (3.89) (3.89) (2.59) (2.31) (1.53) (68.18) ( ) (31.82) (16.80) (5.56) (4.68) (2.75) (2.19) (2.02) (1.44) (1.41) (1.38) (1.25) (100.00) (9.74%) (4.64%) (3.24%) (2.41%) (2.35) (1.97%) (1.83%) (1.79%) T (1.59%) ( ) (1.38%) (99.99) (0.00) 22

25 (1) (2) ( 50% ) (3) 1% 10 (4) 3 (5) 5% 5 (6) 5% (7) (8) (9) 30 (10) 27 23

26 ( ) ( ) (%) (%) ( ) ,806, , ( ) ( ) ( ) ,399, ( ) ( ) ( ) ( ) ( ) ( ) ,004, , ,152, , , KPMG , ( ) ( ) ( ) , , ( ) 0 ( ) , ( ) , ( ) ( ) ( ) 24

27 ( ) (%) (%) ( ) , ( ) , , , , , , ( ) , , ( ) , Belize Bank , , , , ,

28 ( ) (%) (%) ( ) , , ( ) , , , , , , , , , , , , , , , , , ( ) ( ) ( ) , ,

29 ( ) (%) (%) ( ) , , , , , , , , , , , , , , , , , , , , , ( ) , ( ) 27

30 ( ) (%) (%) ( ) , , ( ) , ( ) , , , , , , ( ) , ( ) ( ) , , , , ,

31 ( ) (%) (%) ( ) , , ( ) ( ) , , , , , , , ( ) 29

32 ( ) 1. ( ) (A) (B) AB C D (C)( 1) (D) (%) (E) (F) (G)( 2) (H) AB CD EF G (%) ( ) 970,000 ( ) ( ) 52,080,077 ( ( ) 5,400,000 5,484, ,596,444 36,596, , , ( ) ( ) $1,612,800 $2,495,122) 52,080,077 ( $1,612,800 $2,495,122) ,463,909-5,463, ,000 30

33 ,000,000 2,000,000 5,000,000 (A+B+C+D) (A+B+C+D+E+F+G) 5,000,000 10,000,000 ( ) ( ) 10,000,000 15,000, ,000,000 30,000, ,000,000 50,000, ,000, ,000, ,000, (A) (B) (C) ( ) (D) ABC D 360, , ,599,492 6,599, , ,

34 (A+B+C+D) 2,000,000 2,000,000 ( ) 5,000,000 ( ) - - 5,000,000 ( ) 10,000,000 ( ) 10,000,000 ( ) 15,000,000 ( ) ,000,000 ( ) 30,000,000 ( ) ,000,000 ( ) 50,000,000 ( ) ,000,000 ( ) 100,000,000 ( ) ,000,000 ( ) : (A) (B) (C) (D) ABC D 665,000 ( ) $45,256,843 $45,256,843 ( ) ( : ( : $30,439,159 $30,439,159 $7,208,061 $7,208,061 - $14,022,455 - $14,022, ( ) $2,832,200 $4,102,552) $2,832,200 $4,102,552) ( ) ( ) * 32

35 ,000,000-2,000,000 5,000,000 5,000,000 10,000,000 10,000,000 15,000,000 15,000,000 30,000,000 30,000,000 50,000,000-50,000, ,000, ,000, E ,746,525-36,746, % * 33

36 ( ) 1. :% (1) (2) 34

37 ( ) ( ) ( ) ( ) % % - ( ) % - ( ) % - ( ) % - ( ) % - ( ) % % % - ( ) % - ( ) % - ( ) % / Settlement ( ) ( ) ( ) ( )

38 ( ) ( ) ( ) 5 100% % - ( ) 5 100% - ( ) ( )

39 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( )

40 ( ) , / / / 38

41 CSR CSR CSR CSR CSR CSR CSR CSR

42 CSR CSR IFRS IASB

43 ( ) (1) (2) (3) (4) (5) (6) (7) (8) (1) (2) 41

44 3. (1) 3 (2) (A) (B) (%) (B/A) % % 0 0 0% % ( ) ( ) ( ) ( ) 1. <=

45 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( E ) ,308 CO2 142,145KG 2.22% (1) 97 (2) 26 C~28 C (3) OA , % (1) (2) 3. (1) % ( ) E ,000 43

46 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 2008 OTC on-the-job training (Circulate) (VISA/ MasterCard/JCB) EMV ( / ) 44

47 87 ( ) ( ) ( ) ( ) 45

48 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 46

49 ( ) ( ) ( ) 47

50 ( ) ( ) ( ) ( ) ( )

51 2. ( ) a. b. c. d. e

52 ( )

53 ( ) ( ) 51

54 ( ) 103 ( ) ( ) 96/4/25 103/03/16 ( ) 1/4 5, ,680 8,865 (GDR) ( ) ( ) 15% 52

55 103 ( ) ( ) *379, , ( ) ( ) ( ) ( ) ( ) *2,163,127 62,749 *2,163,127 - *866, ,899 *2,923, ,206 *2,923, ( ) ( ) ( ) *3,253,402 - *3,253,402 - *108, , , , (960,017) , , , ,

56 , , , , ,877 - (20,000) - 51, , , , , , , (143,801) , , , , , , (802) , , , , , , , , ,793-40, ,

57 , , , (9,485) - (9,000) - 28, , , , , , , , , , , , , , , , , , , , (160) , (7) , , (12,720) ,

58 , , , ,298 - (9,000) - 15, , , , , , , , , , , , , , , , , ,432-75,000-2,923, ,009, ,089, ,163, , , ,

59 , , , ,992, , , ,160, ,921, ,456, ,840, , ,089, ,288, ,030, ,253, , , ,426, , , ,009, , * ( ) ( ) 57

60 % ( ) 143,367, % ( ) ( ) (2) (2) - - ( ) 126,972, % ( ) (3) - ( ) 116,586, % ( ) ( ) ( ) (2) (1) (3) (1) ( ) 116,572, % ( ) ( ) ( ) (2) (2) (3) (1) ( ) 112,640, % ( ) (3) - ( ) 103,003, % ( ) ( ) ( ) (1) (2) (3) (1) (3) ( ) 92,921, % ( ) ( ) (2) (1) - - ( ) 76,539, % ( ) ( ) (2) (1) - - ( ) 75,712, % ( ) ( ) ( ) ( ) (1) (3) (1) (1) (1) (2) (3) (2) (2) ( ) 68,044, % ( ) ( ) ( ) ( ) ( ) ( ) ( ) (1) (1) (1) (2) (3) (1) (2) (3) (2) (2) (1) (2) (3) 58

61 % ( ) 300, % , % ( ) 5,118, % - - 5,118, % ( ) 95,492, % 31, % 95,523, % ( ) 2,237, % - - 2,237, % ( ) 3,000, % - - 3,000, % ( ) 350, % , % ( ) 12,000, % ,000, % ( ) 80, % , % ( ) 120,000, % ,000, % ( ) 207, % , % ( ) 20,000, % ,000, % ( ) 7,485, % - - 7,485, % 59

62 ( ) 1. : ( ) ,000,000,000 10,000 1,000,000,000 10, ,000, ,000, (84) ( ) ,750, ,700,000 1,050, (85) ( ) ,250,000 1,353 99,170,000 34,806,750 1,273, ,023,500 2, ,000,000 41,650,000 1,523,500 17,850, ,696, ,832,752 1,640,208 26,619,446 5,604, ,095, ,236, ,800 22,195,800 2,959, , (86) ( ) (86) ( ) (87) ( ) (88) ( ) (89) ( ) ,184,600 4, ,407,594 (26,579,000) 104 (266) ,056, ,914, ,854,595 6,707,909 1, ,958, ,038, ,075, ,094,041 4,180, ,312, ,

63 ( ) ,000,000 5, , ,079, ,000,000,000 10, ( ) 461,538,000 4, ,000,000,000 10, (407,520,824) (4,075) ,489,532 5,861, ,368,172 8,043,315 1, ,131,129 10,568,089 1, ,543,402 9,315,191 1, ,000,000 3, ,447,610 1,224 12,260, ,500,000,000 45,000 2,861,826,329 28, ,861,826,329 1,638,173,671 4,500,000,000 ( ) , ,739 ( ) 16,906,765 65,558,742 1,492,042,567 1,011,864, ,453,695 2,861,826,329 (%)

64 ( ) ( ) (%) ,027 7,046, % 1,000 5,000 20,112 44,449, % 5,001 10,000 7,010 48,345, % 10,001 15,000 5,305 64,114, % 15,001 20,000 2,454 41,028, % 20,001 30,000 2,426 57,928, % 30,001 50,000 1,847 70,062, % 50, ,000 1, ,029, % 100, , ,446, % 200, , ,506, % 400, , ,147, % 600, , ,167, % 800,001 1,000, ,825, % 1,000, ,979,726, % 68,739 2,861,826, % 2. ( ) ( ) (%) 143,367, % 126,972, % 116,586, % 116,572, % 112,640, % 103,003, % 92,921, % 76,539, % 75,712, % 68,044, % 10 62

65 ( ) ( 2 ) ( 6) ( 1) ( 1) 2,355,173 2,826,157 2,861,826( 6) ( 6) 1.24 ( 1) ( 1) ( 3) ( 4) %( 5) ( ) 1. (1) (2) (3) 63

66 ( ) 104 ( ) 28,618, ( ) ( ) " " ( ) " " ( ) " ( ) " " " " " " " (89) ( ) ( ) 1. (1) (2) (3) 2. 64

67 30% 6% 2% 3. (1) ( ) 0 174,882,474 58,294,158 (2) 174,882, % (3) (1) ( ) 0 12,260, ,321,022 41,440,341 (2) ( ) : ( ) 1.5 ( ) 65

68 ( ) ( ) % A 3.90% B 90 CP+1.00% ,867,008 18,797,803 18,895,813 18,819, % % Fitch A-(twn) 66

69 % 2.10% ,337,974 19,337,974 20,569,524 20,569,524 Fitch A-(twn) 70.87% 80.59% Fitch A(twn) 67

70 % 1.75% ,071,489 21,185,604 22,305,324 24,124,738 Fitch A-(twn) 89.62% 94.92% Fitch A-(twn) 68

71 , ,000,000 0% 2.10% % 150,000,000 22,422,596 22,422,596 26,085,624 26,085,624 69

72 (1) ( ) ( ) 130% (2) 90% (3) = 0.375% (1) (2) (3) ( ) % % Fitch BBB- Fitch BBB+(twn) 70

73 % ,621,182 32,347, % Fitch BBB+(twn) 71

74 ,050, ,250, /3/31 18,284, ,698,644 Citi Bank N.A. ( ) 786,809 ( )

75 ( ) ( ) ( ) ( ) ( ) (BIS) ( ) ( 1)

76 ( ) 1. (1) 103 ( ) % % % (2) % 5.7% % (3) ( ) % % % 16% 14% (4) / (FX Margin Trading) 74

77 e FETP 102 RP A-( ) Risk Premium % 20% 13% 25% 27% 1% 16% 18% -4% 18% 18% 14% 20% 17% 29% ( ) 1. (1) ( ) (2) (3) VIP 75

78 6,000 ATM ATM (4) One Bank Big Data Product Holdings e 2. Bank3.0 e&m Big Data (Bundle Sales) VIP (1) e&m 76

79 e&m e (2) HAPPY GO HAPPY GO HAPPY GO etag e&m e&m HAPPY GO e&m 3. (1) (2) (3) E-commerce (4) Corporate Finance (5) (6) 4. (1) FED 77

80 (2) TMU IndividualCorporate Institutional FETP (3) TMU (4) ( ) IMF 3.5% 3.3% QE QE GDP 3.5%CPI 0.91% 78

81 2015 e&m HAPPY GO e&m 2. (1) (2) 79

82 TDR F TDR ( ) (3) M e Corporate Financing (SD) ( ) 80

83 ( ) 1. 2 (1) TDR Portfolio Management (MCI) 102 HAPPY GO 102 HG APP_ i e 102 MasterCard incontrol ( USD/ CNH) (USD/ZAR) (2) ( ) (3) TDR % 45% : , ,842 81

84 3. Bank 3.0 e M (100% ) (100% ) (100% ) (100% ) (100% ) (100% ) (100% ) ( ) 22, , , , , , , ( ) 1. (1) Corporate Finance (2) (3) (4) e & M ( i ) e (5) NFC HAPPY GO (6) / /3C/ (7) VIP 82

85 (8) 104 (9) Asset Swap (10) / / (11) TMUACH Cross Selling 2. (1) (2) / Cash Management (3) (4) (5) (6) TMU (7) Asset Swap (8) (9) (10) HAPPY GO 83

86 ( ) ,241 1,259 1, ,481 2,528 2, % 17.37% 17.18% 62.19% 62.58% 63.12% 19.91% 18.07% 17.78% 2.02% 1.94% 1.88% 0.04% 0.04% 0.04% 1,545 1,529 1,517 1,320 1,285 1,275 1,306 1,277 1,249 1,136 1,122 1, ( ) Certied Financial Planner (CFP) Chartered Financial Analyst (CFA) ( ) ( ) ( ) ( ) ,196 3,361 3,349 12,309 12,344 12,238 84

87 ( ) ( ) 2 62 ( ) ,115 25, ,412 1, ,528 26,895 1, ,562 23, ,915 1, ,477 24,985 1, ,727 26,365 1,295 2,039 1, ,766 27,526 1, TTQS E-Learning , (TMC) , ,145 48, ,626 ( ) (MA, Management Associate) 85

88 3. ( ) (1) (2) (3)

89 ( ) ( ) ,987 6,545 APP 6 APP , ( ) & , ( ) e 87

90 e ATM % ( ) SOGO Cavalia ( ) ( ) ( ) Unisys Libra 750 MCP IBM AS/400 OS/400 IBM RS/6000 AIX IBM Mainframe OS/390 IBM RS/6000 AIX IBM RS/6000 AIX IBM RS/6000 Windows (CB) Windows AIX Windows Windows 88

91 ( ) 1. / Cash Management operational bank NFC ( ) 1. BSI ISO (personal information management system) BSI BS ( )

92 ( ) ( ) ( ) IBM Unisys ~ ~ ~ ~ ~

93 5 ( ) ,415,159 93,224,900 86,210,099 79,382,719 16,110,835 18,795,444 25,944,211 23,788,603 11,865,864 21,735,693 30,518,170 38,967, , ,034 40,439 26,064 23,741,992 23,006,325 14,385,710 15,907,850-20,781,015 20,671,269 19,664,258 18,896, ,003 26,785 27, ,219, ,517, ,176, ,835,271 2,224,301 3,105,972 3,991,084 3,303,232-2,368,548 2,365,826 1,592,014 1,618, ,773,339 11,226,390 14,811,608 15,040, ,879,693 2,814,164 2,785,884 2,804, ,868,048 1,830,904 1,801,534 1,795, , , , , , , , , ,583, ,191, ,939, ,399,810 11,674,958 13,782,129 11,496,870 14,328, ,745,032 7,288,065 11,055,294 11,402,974 12,819 12,631 5,204 5,003-1,299,471 4,391,451 8,502,194 5,560,371 13,502,992 5,596,002 5,839, ,131 10, , , ,933, ,305, ,242, ,298,138 23,072,123 27,103,885 25,479,749 25,445, ,908, ,020 2,874,070 2,576, , , , ,498 91

94 , , , , ,149, ,238, ,677, ,214,659 ( 3) 439,665, ,920, ,433,287 28,953,084 36,262,732 37,185,151 22,422,596 23,621,182 28,618,263 28,618,263 ( 3) 23,528,030 24,845, ,348 34, , ,400 4,153,012 5,595,176 7,384,364 8,276,912 ( 3) 2,531,858 3,688, (164,669) (298,197) (202,295) (172,424) ,433,287 28,953,084 36,262,732 37,185,151 ( 3) 25,917,567 28,271,

95 ,328,449 93,177,326 86,143,744 16,110,835 18,795,444 25,430,620 11,865,864 21,735,693 30,518, , ,034 40,439 23,741,992 23,006,325 14,385,710-19,959,548 20,465,440 18,738, , ,219, ,517, ,176,466 2,223,302 3,105,972 3,991,084-2,796,761 2,661,857 2,609, ,687,365 11,139,563 14,724, ,872,607 2,809,277 2,781, ,868,048 1,830,904 1,801, , , , , , , ,959, ,105, ,344,839 11,674,958 13,782,129 11,496, ,745,032 7,288,065 11,055,294 12,819 12,631 5,204-1,299,471 4,391,451 5,496,351 13,443,426 5,537,456 75,457 5, , ,441, ,665, ,765,479 23,072,123 27,103,885 25,479, , ,054 1,844, , , , , , , ,526, ,152, ,082,107 ( 3) 439,042, ,834,381-26,433,287 28,953,084 36,262,732 93

96 ,422,596 23,621,182 28,618,263 ( 3) 23,528,030 24,845,658-22,348 34, ,400 4,153,012 5,595,176 7,384,364 ( 3) 2,531,858 3,688,921 - (164,669) (298,197) (202,295) ,433,287 28,953,084 36,262,732 ( 3) 25,917,567 28,271,

97 - ( 1) ,186,195 92,546,064 16,724,890 13,806, ,505 16,855,460 15,674, ,351, ,460,381-18,657,547 20,095,497 2,788,161 3,926,306 2,598,677 2,795, ,873,876 2,931,980 1,942,335 1,905,193 10,342,119 12,094,839 1,249,306 1,200, ,569, ,288,336 18,093,079 11,785, ,171, ,373,644 6,445,235 4,081, ,870 16,789,596 20,230, , , , ,106 4,709,795 4,930, ,762, ,633,958 ( 3) 395,264, ,163,598 20,071,489 21,185,604 ( 3) 21,105,171 22,316,915 9,302 29,008 2,567,030 3,409,346 ( 3) 1,031,561 1,748, ,026 17,658 11,264 12, ,807,111 24,654,378 ( 3) 22,305,324 24,124,

98 ( ) ,644,265 11,263,921 12,253,408 3,054,586 : 5,499,120 6,379,554 6,873,872 1,639,761 4,145,145 4,884,367 5,379,536 1,414,825 4,398,815 4,653,695 5,497,412 1,290,453 8,543,960 9,538,062 10,876,948 2,705,278 ( ) (221,693) (18,171) 70,318 (120,496) 5,850,696 5,993,126 6,510,496 1,579,930 2,914,957 3,563,107 4,296,134 1,245,844 ( ) (364,192) (501,837) (601,611) (168,446) 2,550,765 3,061,270 3,694,523 1,077, ,550,765 3,061,270 3,694,523 1,077,398 ( ) (188,134) (132,848) 96,822 29,871 2,362,631 2,928,422 3,791,345 1,107,269 2,550,765 3,061,270 3,694,523 1,077, ,362,631 2,928,422 3,791,345 1,107,

99 ( 1) ,605,071 11,263,165 12,251,873 : 5,488,916 6,378,340 6,876,102 4,116,155 4,884,825 5,375,771 4,093,932 4,370,379 5,194,981 8,210,087 9,255,204 10,570,752 ( ) (221,603) (18,093) 70,361 5,578,698 5,746,736 6,240,793 2,852,992 3,526,561 4,259,598 ( ) (302,227) (465,291) (565,075) 2,550,765 3,061,270 3,694, ,550,765 3,061,270 3,694,523 ( ) (188,134) (132,848) 96,822 2,362,631 2,928,422 3,791,345 2,550,765 3,061,270 3,694, ,362,631 2,928,422 3,791, ( 1) ,992,928 3,889,547 4,575,217 4,628, , ,461 4,888,793 5,218,971 3,004,127 2,464,295 2,196,378 2,373, ,196,378 2,373,231 ( ) ( )

100 5 ( ) (KPI) ( ) 3,361 3,761 4,204 1,029 ( ) 1,008 1,207 1, % ( 5) , , , , ( ) 7,405,998 5,924,468 7,144,352 7,065, ( 20% )

101 ( ) 3,369 3,817 4,261 ( ) 1,051 1,262 1,489 % ( 5) , , , ( ) 7,405,998 5,924,468 7,144, ( 20% ) (KPI) (1) (2) (3) (4) 99

102 100 (5) (6) ( 7 ) (7) 2. (1) = (2) (3) (4) (5) ( ) 5 3. (1) (2) 4. (1) =( ) (2) = 5. 8 (1) (2) (3) (1) 6 (2) (3) (4) /3/31

103 ( ) 3,886 3,608 ( ) 996 1,005 % ( 4) (17.97) ( ) 6,802,272 8,345, (KPI) (1) (2) (3) (4) (5) (6) ( 6) (7) 2. (1) = (2) (3) 101

104 102 (4) (5) ( ) 4 3. (1) (2) 4. (1) =( ) (2) = 5. 7 (1) (2) (3) (1) 5 (2) (3) (4)

105 ( ) ,238,006 33,243, ,676,786 14,018,501 39,914,792 47,261, ,547, ,818, ,180 12,714,700 14,223,250 / 10,309,788 19,804, ,572, ,162, % 13.16% 8.34% 9.26% 8.34% 9.26% 4.68% 5.58% ( 20%) (1) (2) 12.5 (3) (4) ( + ) (5) (6) = / 103

106 ( 1) 25,690,005 32,736,013 33,835, ,123,625 13,504,626 12,445,845 38,813,630 46,240,639 46,281, ,008, ,785, ,980, , ,010 13,241,600 14,442,463 16,573,250 / 10,309,788 19,759,250 21,329, ,559, ,304, ,197, % 12.91% 12.54% 8.25% 9.14% 9.16% 8.25% 9.14% 9.16% 4.58% 5.50% 5.62% ( 20%) (1) (2) 12.5 (3) (4) ( + ) (5) (6) = / 104

107 ,071,490 21,185,604 22,422,596 9,301 29,008 31, ,276 1,030,702 1,742,672 4,554 4,554 2,194,754 2,374,090 2,564, , , , , , ,113 21,710,972 23,551,038 25,712,352 45% 123, ,655 34,596 1,697,066 2,290,984 1,267,784 9,337,480 10,940,000 11,260, , , ,114 10,335,467 12,487,420 11,750,266 32,046,439 36,038,458 37,462, ,361, ,995, ,198,189 12,061,975 11,458,613 11,876,975 / 8,526,963 16,750,238 10,578, ,950, ,204, ,653, % 12.86% 12.71% 9.05% 8.40% 8.72% 4.31% 4.46% 3.99% (1) (2) 12.5 (3) (4) (5) (6) (7) 105

108 ,071,490 21,185,604 22,422,596 9,301 29,008 31, ,276 1,030,702 1,742,672 4,554 4,554 2,194,754 2,374,090 2,564, , , ,549 1,352,028 1,485,271 1,402,402 21,181,249 22,920,986 25,122,063 45% 123, ,655 34,596 1,691,414 2,285,658 1,262,547 9,337,480 10,940,000 11,260,000 1,352,028 1,485,270 1,402,401 9,800,091 11,852,043 11,154,742 30,981,340 34,773,029 36,276, ,289, ,909, ,086,022 12,306,063 11,744,788 12,326,475 / 8,526,963 16,750,238 10,578, ,122, ,404, ,991, % 12.63% 12.47% 9.01% 8.32% 8.63% 4.17% 4.31% 3.84% % 4.84% 4.82% 106

109

110

111 ,143,744 93,177,326 (7,033,582) ( 8 ) 25,430,620 18,795,444 6,635, ,518,170 21,735,693 8,782, ,176, ,517,032 26,659, ,738,407 20,465,440 (1,727,033) ( 8 ) 33,141,801 37,362,894 (4,221,093) ( 11 ) 8,195,631 8,051, , ,344, ,105,686 29,239, ,765, ,665,473 25,100, ,316,628 64,487,129 (3,170,501) ( 5 ) 485,082, ,152,602 21,929, ,618,263 23,621,182 4,997, ,400 34, , ,384,364 5,595,176 1,789, (202,295) (298,197) 95, ,262,732 28,953,084 7,309, ( 20% 10,000 )

112 $ 5,375,771 $ 4,884,825 $ 490, ,194,981 4,370, , ,570,752 9,255,204 1,315, ( ) 70,361 (18,093) 88, ,240,793 5,746, , ,259,598 3,526, , , ,291 99, $ 3,694,523 $ 3,061,270 $ 633, ( 20% 10,000 ) (1) (2) (3) ( ) ( ) ( ) ( ) ( ) ( 20% 10,000 ) ( ) (A) (B) (C) (A) (B) (C) 3,613,301 6,113,698 (9,296,003) 430,

113 1 ( ) ( ) NTD5, NTD6,355 NTD190, NTD8, (1) (2) (3) (4) (5) ( ) (1) NPL

114 (2) (3) ( ) 1. (1) ( ) ( ) (2) (3) 2. (1) (2) (3) ( ) A. B. / / (4) 112

115 ( ) ( ) ( ) (1) (2) ( ) / / 113

116 ( ) ( ) ( ) ( ) ( ) ,415,110 4,013 16,853, ,650 56,992,775 1,004, ,490,536 12,957,923 65,930,517 3,979, ,638,361 7,344, , ,701 9,379, , ,643,975 26,216,

117 (1) (2) ( ) (3) (4) (5) (ECAI) 9. ( ) 115

118 (1) (2) (3) (4) (5)= (1)+(3) (6)= (2)+(4) 628,020 25, ,020 25, ,020 25, ,020 25, ,020 25, ,020 25, ( ) ( ) , ,020 ( ) 3 China Real Estate Asset 2014/ Mortgages 3/28 Ltd. ( ) 2016/ 12/17 Libor(3M) +2.5% Moody s: A3 (3 ) 628, ,020 20% 2013/

119 ( ) ( ) KYC( KnowYourCustomer) (ISO27001) ,359, ,981, ,176,166 26,517,193 1,325,

120 %~125% ,188,468 64, ,848 2,588 1,706,

121 : ,163,646 93,031,530 82,036,068 63,729,668 36,293,407 54,591, ,481, ,615,369 43,019,192 69,835, ,662, ,548, ,778, ,771,186 (99,451,723) 50,012,338 12,200,603 (65,933,080) (105,254,738) (90,187,283) 99,710, : ,023,548 2,113,682 1,522,010 1,267,547 1,116,095 1,004,214 7,233,566 3,077,883 1,477,162 1,052,025 1,097, ,789 (210,018) (964,201) 44, ,522 18, ,425 ( ) e

122 % 50% / / 6. e ( ) (CB) ( ) ( ) ( ) 1. (1) (2) one stop service

123 (1) (2) 3. (1) (2) ( ) ( ) ( ) 1% ( ) ( ) ( ) ( ) ( ) ( ) 121

124 ( ) ( ) ,000 3,500 1,200, ,

125 ( ) ,000, ,000, ,000, ,000, ,000, ,000, , , , , , , ,000, ,000, ,000, ,000, ,000, ,000,

126 120,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ,000, ( ) ( ) ( ) ( ) 30, ,303 38, , , , , ,500 17,802 1,942 15,860 21,161 9,789 11, ,200,000 1,613,405 1,044, ,855 12,197 2,999 (74,424) (0.62) 200, ,507 37, , ,276 5,360 5,

127

128 HAPPY GO (GDR) ( ) 22 15, VIP TTQS ( ) /OTP (China Pay) TSM NFC

129 (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02) (02)

130 242 6 (02) (03) (03) (03) (03) (03) (03) (03) (03) (03) (04) (04) (04) (04) (04) (04) (049) (05) (06) (06) (06) (07) (07) (07) (07) (07) (02) (02) (02) (852)

131 129

132 130

133 (02)

134

135

136 $ 8,084,621 2 $ 4,348, ,125, ,876, ,944, ,795, , , ,385, ,006, ,664, ,671, ,785-1, ,176, ,517, ,518, ,735, ,991, ,105, ,592,014-2,365, ,971, ,477, ,839, ,748, ,785, ,814, ,801,534-1,830, , , , , $ 521,939, $ 492,191,

137 $ 11,496,870 2 $ 13,782, ,055, ,288, ,204-12, ,391, ,299, ,596, ,502, ,366-10, ,242, ,305, ,479, ,103, ,874, , , , , , ,677, ,238, ,618, ,621, ,400-34, ,382,816-2,511, , , ,697, ,903, ,384, ,595, ,264-16, (269,559) - (314,461) (202,295) - (298,197) ,262, ,953,084 6 $ 521,939, $ 492,191,

138 $ 12,253, $ 11,263, ,873, ,379, ,379, ,884, ,914, ,971, ( 2) ,591, ,097, , , , , , , ( 78,587) ( 1) , ,824 2 ( 10) , , ,497, ,653, xxxx 10,876, ,538, ,318 - ( 18,171)

139 $ 3,817, $ 3,544, , ,519 3 ( 7) ,479, ,217, ,510, ,993, ,296, ,563, , , ,694, ,061, , , ,939 - ( 125,353) ( 1) ,883 - ( 14,628) ,822 1 ( 132,848) ( 1) $ 3,791, $ 2,928, $ 3,694, $ 3,061, $ - - $ $ 3,791, $ 2,928, $ - - $ $ 1.31 $ $ 1.13 $

140 A $ 22,422,596 $ 22,348 $ 1,742, B ,012 B B B ,105, ,105, ,012 C D D D N1 93,152 12,575 - Z ,621,182 34,923 2,511,684 E1 3,650, , B ,132 B B B ,224, ,224, ,132 D D D N1 122,605 1,716 - Z $ 28,618,263 $ 462,400 $ 3,382,

141 $ 4,554 $ 2,405,786 $ 9,131 ($ 173,800) $ 26,433,287 - ( 769,012) ,800 ( 173,800) ( 515,720) - - ( 515,720) - ( 1,105,434) ,800 ( 2,563,966) - - ( 515,720) 1, ,368-3,061, ,061, ,133 ( 140,661) ( 132,848) - 3,061,950 7,133 ( 140,661) 2,928, , ,722 2,903,770 16,264 ( 314,461) 28,953, ,075,761 - ( 871,132) ,400 ( 124,400) ( 681,779) - - ( 681,779) - ( 1,224,476) ,400 ( 2,901,787) - - ( 681,779) - 3,694, ,694, ,000 44,902 96,822-3,695,443 51,000 44,902 3,791, ,321 $ 304,122 $ 3,697,426 $ 67,264 ($ 269,559) $ 36,262,

142 A00010 $ 4,296,134 $ 3,563,107 A20000 A , ,220 A ,567 41,299 A ,318 ( 18,171) A , ,647 A ,873,872 6,379,554 A21200 ( 12,253,408) ( 11,263,921) A21300 ( 69,177) ( 75,482) A22300 ( 64,618) ( 61,148) A ,587 - A ,883 1,330,422 A29900 ( 29,889) ( 29,325) A40000 A41110 ( 4,000,746) 1,635,931 A41120 ( 7,177,230) ( 3,612,256) A ,112, ,630 A41160 ( 27,959,190) ( 13,392,924) A41170 ( 8,792,969) ( 10,047,589) A41180 ( 660,120) ( 894,829) A ,506,018 2,236,740 A42110 ( 2,285,259) 2,107,171 A ,741,584 3,108,608 A42150 ( 7,775,660) 8,367,347 A ,936,477 6,372,674 A33000 ( 27,293,136) ( 3,028,295) A ,177,178 11,265,053 A ,177 75,482 A33300 ( 6,742,592) ( 6,482,692) A33500 ( 623,118) ( 233,167) AAAA ( 22,412,491) 1,596,

143 B01200 ($ 74,850) $ - B ,070 - B ,465 18,140 B02700 ( 151,491) ( 123,497) B B06500 ( 4,755,792) 92,578 B ,213 ( 2,473) B ,656 50,611 BBBB ( 4,173,624) 35,439 C ,481,250 C ,100,000 4,000,000 C01500 ( 3,000,000) ( 4,000,500) C ,091,980 1,299,471 C ,113,050 ( 1,147,050) C ,180 ( 14,151) C04500 ( 681,779) ( 515,720) C ,075,761 - CCCC 6,812,192 4,103,300 DDDD 137,761 ( 25,115) EEEE ( 19,636,162) 5,710,005 E ,027,363 95,317,358 E00200 $ 81,391,201 $ 101,027, E00210 $ 8,084,621 $ 4,348,619 E ,920,870 73,672,419 E ,385,710 23,006,325 E00200 $ 81,391,201 $ 101,027,

144 ( )( ) ( ) ( ) ( ) IASB IFRS IASIFRICSIC 2010 IFRS IAS IFRIC SICIFRSs IASB 2013 IFRSs 142

145 2013 IFRSs IASB IFRSs IFRSs IAS IAS IFRSs IFRS 1 IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS 10IFRS 11 IFRS IFRS 10IFRS 12 IAS IFRS IAS IAS IAS IAS IAS IFRIC IFRSs 1. IFRS 12 IFRS IFRS 13 IFRS

146 IFRS 13 IFRS IAS 1 (1)(2) IAS IAS IFRSs IFRSs $ 826,343 $ 37,937 $ 864,280 $ 596,927 $ 223,161 $ 820,088 $ 7,384,364 ( $ 185,224 ) $ 7,199,140 $ 36,262,732 ( $ 185,224 ) $ 36,077,

147 IFRSs IFRSs $ 579,514 $ 18,982 $ 598,496 $ 609,401 $ 111,657 $ 721,058 $ 5,595,176 ( $ 92,675 ) $ 5,502,501 $ 28,953,084 ( $ 92,675 ) $ 28,860, $ 3,694,523 $ 3,557 $ 3,698,080 $ 3,791,345 ( $ 92,549 ) $ 3,698,796 ( ) IASB IFRSs IASB IFRSs 2013 IFRSs IASB IFRS IFRS 9 IFRS IFRS 10 IAS IFRS 10IFRS 12 IAS IFRS IFRS IFRS IAS IAS 16 IAS IAS 16 IAS IAS IAS IAS IFRIC IFRS IFRS 3 IFRS

148 IFRS IFRS 9 IAS 39 IFRS 9 (1) (2) 146

149 IFRS 9 IFRS IFRS 9 IAS 39 (1) (2) (3) 2. IAS 36 IASB IFRS 13 IAS 36 IAS

150 3. IFRS 15 IFRS 15 IAS 18 IAS 11 IFRS 15 (1) (2) (3) (4) (5) IFRS IAS 1 ( ) IFRSs ( ) ( ) 148

151 ( ) ( ) ( ) 149

152 ( ) ( ) 150

153 ( ) ( ) () () 151

154 () 1. (1) A. B. C. 152

155 (2) (3) (4)

156 A. B. C. D. (1) (2) 154

157 (3)

158 (1) (2)

159 () () () 157

160 () 10% () 1. 10%

161 3. ( ) ( ) ( ) 159

162 ( ) ( ) ( ) ( ) $ 3,008,201 $ 2,645,252 4,404,964 1,342, , ,914 66,335 47,554 $ 8,084,621 $ 4,348,

163 $ 59,175,000 $ 60,630,000 2,528,160 10,254,670 6,161,365 8,217,629 9,829,608 9,673,862 53,323 51, ,022 49,026 $ 78,125,478 $ 88,876, ,920,870 73,672, $ 5,290,216 $ 882,925 2,217,126 2,746,609 1,871, ,332 1,867,476 1,617, , , , , ,689 72, ,311 84, , , , , ,689-84,603 94,932 12,877,473 6,756,

164 $ 13,066,738 $ 12,039,304 $ 25,944,211 $ 18,795,444 $ 5,259,651 $ 5,104,453 2,496, ,643 1,871, , , , , , , , , , ,514 80,818 24,491 30,889 $ 11,055,294 $ 7,288, $ 288,640,504 $ 94,772, ,272, ,416, ,306, ,533,414 32,011,721 25,498,215 22,366,930 10,438,487 21,960,764 20,136,950 18,254,846 20,062,578 11,893,669 31,862,475 2,889,347 2,247, , ,

165 ( $ 1,458,845 ) ( $ 485,820 ) 3,050,773 1,583,618 $ 1,591,928 $ 1,097, , $ 40,439 $ 111,034 $ 5,204 $ 12, ,900,000 4,600, $ 63,168 $ 69,020 $ 63,168 $ 69,

166 $ 13,274,146 $ 19,375,114 1,111,564 1,507,075-2,124,136 $ 14,385,710 $ 23,006, $ 14,390,592 $ 23,012, $ 15,391,769 $ 15,687,152 1,746,456 2,161, , , , , , ,208 1,434, , , , , , ,283 20,290,920 21,356, , ,074 $ 19,664,258 $ 20,671, $ 167,992 $ 159,359 56,046,303 48,538, ,396, ,720, ,346, ,602, , , ,934, ,780,512 4,758,137 4,263,480 $ 319,176,466 $ 292,517,

167 103 $ 4,263,480 $ 1,114,730 $ 5,378, ,060 ( 369,904 ) 50,156 ( 570,261 ) ( 413,822 ) ( 984,083 ) 623, , ,883 21,324 1,474 22,798 $ 4,758,137 $ 626,827 $ 5,384, $ 3,582,006 $ 1,180,101 $ 4,762,107 99,273 ( 181,406 ) ( 82,133 ) ( 413,844 ) ( 219,480 ) ( 633,324 ) 991, ,593 1,330,422 4,216 ( 3,078 ) 1,138 $ 4,263,480 $ 1,114,730 $ 5,378, $ 420,060 $ 99,273 ( 369,904 ) ( 181,406 ) 20,162 63,962 $ 70,318 ( $ 18,171 ) $ 2,912,152 $ 674,639 $ 3,431,546 $ 638,734 1,671, ,699 1,678, ,824 5,074,384 50,744 2,841,768 14, ,276,701 3,684, ,829,062 3,087,713 $ 323,934,603 $ 4,758,137 $ 296,780,512 $ 4,263,

168 $ 6,053 $ 2,602 $ 651,446 $ 591,524 2,014, ,088 2,357, ,306 9,578,134-10,058,136-15,796,461 66,021 16,217,289 90,491 $ 27,394,980 $ 621,711 $ 29,284,725 $ 1,259, $ 13,963,872 $ 13,619,393 10,891,647 5,045,261 4,327,881 1,243, ,187 1,109, , ,579 $ 30,518,170 $ 21,735, , , ,103,414 1,119, $ 2,642,131 $ 1,057, ,092 1,150, , , ,091 - $ 3,991,084 $ 3,105,

169 ( ) $ 1,463, $ 1,421, , , , $ 1,592,014 $ 2,365, ,240 2,170 78, $ 45,023,519 $ 55,931,939 $ 38,068,120 $ 47,493, $ 901,857 $ 1,228,989 $ 315,695 $ 303,060 $ 58,570 ( $ 65,806 ) ( ) $ 77,898 $ 74,756 1,703 3,975 ( 14,983 ) ( 17,583 ) $ 64,618 $ 61,

170 $ 4,244,125 $ 4,794,018 1,268, ,668 2,935, , ,750 $ 6,971,873 $ 8,477, , $ 286 $ 490, , , ,896, ,300 2,607,429 1,585, , , , , , ,379 $ 7,839,735 $ 2,748, $ 74,850 $ - 50,006 50,006 45,500 45,500 3,000 3,000 2,073 2, $ 176,229 $ 101, , % 168

171 103 $ 1,581,625 $ 1,239,899 $ 1,301,226 $ 5,995 $ 1,427,532 $ 14,845 $ 5,571,122-5,849 70, ,406 33, ,491 - ( 331 ) ( 29,591 ) ( 76 ) ( 38,627 ) - ( 68,625 ) ,135-6,738 ( 25,097 ) 2,776 1,581,625 1,245,417 1,363,462 6,132 1,437,049 23,079 5,656, , ,844 5,736 1,263,076-2,756,958-25,367 98, , ,813 - ( 274 ) ( 29,553 ) ( 76 ) ( 38,619 ) - ( 68,522 ) - - 1, , ,395 1,028,525 5,844 1,282,116-2,870,880 $ 1,581,625 $ 691,022 $ 334,937 $ 288 $ 154,933 $ 23,079 $ 2,785, $ 1,581,625 $ 1,236,633 $ 1,354,797 $ 6,234 $ 1,406,170 $ 22,076 $ 5,607,535-3,517 52, ,075 36, ,497 - ( 550 ) ( 142,190 ) ( 296 ) ( 17,554 ) - ( 160,590 ) ,453-7,841 ( 43,913 ) 680 1,581,625 1,239,899 1,301,226 5,995 1,427,532 14,845 5,571, , ,036 5,841 1,219,317-2,727,842-25, , , ,220 - ( 550 ) ( 142,140 ) ( 296 ) ( 17,751 ) - ( 160,737 ) , ,844 5,736 1,263,076-2,756,958 $ 1,581,625 $ 710,597 $ 342,382 $ 259 $ 164,456 $ 14,845 $ 2,814, $ 1,538,210 $ 1,538, , ,887 1,967,097 1,967, , ,193 $ 1,801,534 $ 1,830,

172 99 4 B $ - $ 27,567-4,246-23, , ,935 11,440 7,994 $ 165,375 $ 206, $ 11,048,017 $ 13,441, , , ,051 31,176 $ 11,496,870 $ 13,782, $ 4,082,741 $ 1,118, , , ,453 $ 4,391,451 $ 1,299, $ 4,421,095 $ 1,302, $ 1,485,772 $ 1,408,468 1,201,038 8,836, , , , , , ,

173 $ 275,779 $ 691, , , , ,425 $ 5,596,002 $ 13,502, $ 2,548,513 $ 2,584,658 43,553,959 46,239,336 58,545,999 54,822,689 82,186,606 85,924,264 21,989,500 24,392, ,373, ,325,934 44,571 16,559 $ 423,242,417 $ 398,305, $ 21,039,435 $ 23,002,603 4,440,314 4,101,282 $ 25,479,749 $ 27,103, % $ 3,000,000 $ 3,000, A ,000,000 B % ,000, A ,400,000 2,400, % B ,000,000 2,000, % ,000,000 2,000, % ,500,000 3,500, % ,000,000 3,000, % ,000,000 4,000, % % 1,100,

174 $ 3,960 $ 3, ,004,200 22,904,200 35,235 98,403 $ 21,039,435 $ 23,002, , % 4,009, ,589 38, % 433,337 ( ) % ( ) % 0.375% 2. 90%

175 ( ) (1) (2) 15 1 (3) (1) 30 (2) (3) 173

176 $ 1,664,080 $ 214,247 1,029, , , ,807 $ 2,874,070 $ 761, $ 980,000 $ 340,000 49,918 24,966 $ 1,029,918 $ 364, %-1.80% 1.32%-1.38% $ 50,000 $ 25, $ 49,918 $ 24, % 1.40% $ 596,927 $ 609, , ,724 $ 762,276 $ 754,125 6% 6 2% 174

177 2 2% % 2.25% 1.25% 1.50% 2.50% 2.50% $ 11,595 $ 12,106 22,099 16,881 ( 3,666 ) ( 4,325 ) 2,554 1,059 ( 1,200 ) ( 1,200 ) $ 31,382 $ 24, $ 1,004,927 $ 978,015 11,595 12,106 22,099 16, ,890 21,361 ( 13,899 ) ( 18,868 ) ( 26,213 ) ( 4,568 ) $ 1,114,399 $ 1,004,

178 $ 1,114,399 $ 1,004, , , , ,058 ( 244,005 ) ( 133,701 ) 20,844 22,044 $ 596,927 $ 609, $ 283,869 $ 279,571 3,666 4,325 3,032 ( 768 ) 17,643 19,609 ( 13,899 ) ( 18,868 ) $ 294,311 $ 283, ,698 3, % 44.77% 28.36% 31.58% 19.12% 22.86% 2.83% 0.79% % % $ 1,114,399 $ 1,004,927 $ 978,015 $ 857,300 $ 294,311 $ 283,869 $ 279,571 $ 260,879 $ 820,088 $ 721,058 $ 698,444 $ 596,421 ( $ 80,779 ) ( $ 91,302 ) ( $ 52,368 ) $ - $ 3,032 ( $ 768 ) ( $ 2,788 ) $ - 176

179 ,084 20, $ 359,858 $ 266,152 92,074 78,725 47,079 40,995 31,538 31,636 $ 530,549 $ 417,508 ( ) ,500,000 4,500,000 $ 45,000,000 $ 45,000,000 2,861,826 2,362,118 $ 28,618,263 $ 23,621, ,000 18,250, ,050 3,650, ,761 ( ) 177

180 ( ) 30% 1. 92% 2. 2% 3. 6% 10% 15% 25% $ 871,132 $ 769, , , , ,720 $ $ ,224,476 1,105, $ 2,901,787 $ 2,563,966 IFRSs IFRS 1 178

181 165, , , , , , % $ 1,108,357 ( 95,903 ) 1,144,730 $ ,536, $ 3,693, ,882 58,

182 ( ) ( $ 314,461 ) ( $ 173,800 ) 94,516 ( 130,621 ) ( 59,577 ) 5,268 9,963 ( 15,308 ) ( $ 269,559 ) ( $ 314,461 ) $ 9,943,980 $ 9,142,527 1,009,197 1,028, , , , , ,457 9, , ,495 12,253,408 11,263,921 3,347,425 3,311,560 2,677,018 2,414, , , , , ,644 51,006 6,873,872 6,379,554 $ 5,379,536 $ 4,884, $ 1,246,367 $ 1,244, , , , , , ,111 3,392,323 3,425,

183 $ 122,272 $ 101,664 94, ,093 82,960 85,029 39,816 35,527 39,267 41,682 99,638 87, , ,898 $ 2,914,137 $ 2,971, $ 35,630 $ 63,406 14,378 8,676 ( 1,394,210 ) 1,691,011 2,991, ,718 ( 26,420 ) 18,634 1,570,383 1,953,363 ( 120,382 ) ( 2,236,821 ) 43,278 1,311,632 48,641 ( 2,458 ) ( 28,463 ) ( 927,647 ) $ 1,591,928 $ 1,097, $ 2,857,058 $ 2,675, , , , , , , , , , ,520 $ 3,817,680 $ 3,544, ,635 2,

184 $ 180,813 $ 189,220 $ 32,567 $ 41, $ 581,963 $ 372, , , , , , , , , , ,274 $ 2,479,436 $ 2,217,979 ( ) $ 536,303 $ 160,097 ( 25,651 ) ( 2,444 ) 510, ,653 90, ,184 $ 601,611 $ 501, $ 4,296,134 $ 3,563,107 $ 747,997 $ 635,227 ( 778,253 ) ( 181,985 ) 65, ,824 1,714 ( 614,135 ) 483,339 96,

185 $ 198 $ - 16,071 26, , ,097 ( 25,651 ) ( 2,444 ) 90, ,184 $ 601,611 $ 501, % ( ) 103 $ 380,713 ( $ 8 ) $ - $ 380,705 81, ,002 40,054 60, ,818 9,678 25,338-35, ,790 86, ,541 67,724 ( 176,491 ) 336, ,802 $ 579,514 ( $ 89,740 ) $ 336,569 $ 826,343 ( $ 10,562 ) ( $ 1,219 ) $ - ( $ 11,781 ) 102 $ 287,381 $ 93,332 $ - $ 380,713 81, ,345 ( 67,012 ) 107,066-40,054 12,380 ( 2,702 ) - 9, , , , ,741 ( 538,983 ) ( 7,034 ) 67,724 1,686 ( 1,686 ) - - $ 929,465 ( $ 342,917 ) ( $ 7,034 ) $ 579,514 ( $ 9,295 ) ( $ 1,267 ) $ - ( $ 10,562 ) 183

186 ( ) $ 1,842,760 $ 1,128, ,055,725 - $ 2,898,485 $ 1,128, $ 66,641 $ 66, , , ,563 53, ,085 38, ,380 22, ,626 10, ,920 - $ 301,558 $ 299,947 ( ) $1,842, ,243, ,968 $4,220, $ 66, , , , , , ,920 $ 301, $ 9, ,154 $ 17,

187 ( ) $ 273,569 $ 104, % 16.58% IFRSs ( ) $ 1.31 $ 1.24 $ 1.13 $

188 $ 1.30 $ 1.24 $ 1.20 $ $ 3,694,523 $ 3,061,270 ( 82,388 ) 106,215 $ 3,612,135 $ 3,167, ,826,157 2,461, , ,230 22,500 14,299 3,184,917 2,775,

189 ( ) 103 $ 1,800,000 $ 900,000 $ 1, %-0.65% 102 $ 1,200,000 $ 700,000 $ %-0.44% 187

190 ( ) $ 1,310 $ 1,000 $ 1,000 $ - 5 3,006 2,679 2, , , ,190-1,890,000 1,865,000 1,865, , , , , , , , , , ,595 10,212 10, , , , , , , , , $ 3,696,081 $ 3,696,081 $ ,332 $ 1,012 $ 1,012 $ ,502 79,936 79,936-1,845,000 1,845,000 1,845, , , , , , , ,777 12,220 12, , , / 383, , , , , $ 2,708,168 $ 2,708,168 $ %-3.28% $ 39, %-2.38% $ 41,

191 ( ) 103 $ 130,000 $ 130,000 $ 1, % 48,000 48, % 60,000 30, % 12,200 9, % 18,324 5, % 3,000 3, % $ 226,010 $ 2, ,000 $ 38,000 $ % 60,000 30, % 311,676 12, % 11,000 11, % 3,000 3, % $ 94,514 $ 473 ( ) $ 28,163 $ 70,934 ( ) 103 $ 1,100,000 $ 2,000,000 $ 100,000 $ - $ - $ 50,000 $370,156,386 $ 1,471, $ 2,050,000 $ 1,350,000 $ 50,000 $ - $ 100,000 $ 200,000 $123,751,482 $ 349,828 ( ) ~ $ 951,540 ( $ 7,179 ) $ 49, ~ 6,660,780 ( 10,728 ) 320, ~ 222, ~ 1,026,870 ( 14,813 ) 15, ~ 1,237,002 ( 317 ) , ~ 378, , , ~ ,515 ( 769 )

192 ~ 158,590 $ 2,707 $ 2, ~ 390,000 14,656 59, , ~ ~ ~ ~ ~ ~ ,134, ,911 6,648,900 15, ,631 ( 957 ) 787,683 ( 4,509 ) 149,750 ( 1,485 ) 348,000 44,308 14,056 99,748 4,870 41, ,446 12, , ( ) % $ 34,947,014 $ 33,539,756 0%-6.36% 0%-6.36% $ 354,296 $ 381,459 ( ) $ 211,011 3 $ 196, , , , , , , ,805 1 $ 436,445 7 $ 342,

193 ( ) $ 175,453 $ 140,313 2,803 2,085 $ 178,256 $ 142, $ 7,600,000 $ 4,000,000 4,145,300 2,625,000 $ 11,745,300 $ 6,625, ( ) $ 369,682 $ 341, , , , ,588 $ 1,234,855 $ 1,059,

194 ( ) $ 6,924,007 $ 6,906,582 13,479 11,372 4,549 3,714 43,481,540 40,020,561 5,314,094 5,465,302 1,249, ,188 3,436,630 2,543, , ,364 $ 60,976,514 $ 55,653,884 $ 1,287 $ 2, ,436,630 2,543,801 56,410,576 51,669,151 1,127,795 1,438,102 $ 60,976,514 $ 55,653, $ 42,318 $ 36,572 1,631,075 1,404, , , ,885 1,301 2,875 35,937 2,789 1,836,517 2,158,421 30,366 35, ,894 4,607 8, , ,861 40,

195 $ 1,420,656 $ 2,117,840 11,632 11,283 $ 1,409,024 $ 2,106, $ 6,924,007 $ 6,906,582 13,479 11,372 4,549 3,714 43,481,540 40,020,561 5,314,094 5,465, , ,799 45,190 43, , ,661 3,436,630 2,543, , ,364 $ 60,976,514 $ 55,653, , , $ 2,530, $ 80,272,425 $ 2,053, $ 61,513,812 1,056, ,322,214 1,363, ,265,919 1,448, ,389, , ,652,319 71, ,847,227 72, ,942, , ,083,765 2, ,875 3,443, ,422 4,818, ,374,305 22, ,640 21, ,094 5, ,895 4, ,136 9, ,575 8, ,

196 $ 4, $ 117,087 $ 5, $ 155, ,030 10, ,842 2,315, ,454,287 1,988, ,543,107 1,480, ,553, , ,662,476 1,053, ,309,755 1,340, ,177,083 80, ,085,597 77, ,067, , ,085, ,423, ,262 4,809, ,371,710 22, ,113 21, ,976 5, ,114 4, ,353 9, ,488 8, ,102 4, ,950 5, , ,377 10, ,747 ( ) $ 8,084,621 $ 8,084,621 $ 4,348,619 $ 4,348,619 78,125,478 78,125,478 88,876,281 88,876,281 25,944,211 25,944,211 18,795,444 18,795,444 40,439 40, , ,034 14,385,710 14,385,710 23,006,325 23,006,325 19,664,258 19,664,258 20,671,269 20,671, ,176, ,176, ,517, ,517,032 30,518,170 30,518,170 21,735,693 21,735,693 3,991,084 4,008,076 3,105,972 3,122,487 6,971,873 6,971,873 8,477,868 8,477, , , , ,379 7,663,506 7,663,498 2,647,143 2,647,126 11,496,870 11,496,870 13,782,129 13,782,129 11,055,294 11,055,294 7,288,065 7,288,065 5,204 5,204 12,631 12,631 4,391,451 4,391,451 1,299,471 1,299,

197 $ 5,596,002 $ 5,596,002 $ 13,502,992 $ 13,502, ,242, ,242, ,305, ,305,940 3,935,235 3,935,235 4,698,403 4,698,403 21,544,514 21,544,514 22,405,482 22,405,482 2,874,070 2,874, , ,020 ( )

198 ( ) 1. (1) (2) (3) $ 2,026,165 $ 2,026,165 $ - $ - 287, , , , ,066,738 13,066, ,291,753 18,291, ,399,230-11,399, , ,

199 $ 10,404,800 $ - $ 10,321,048 $ 83,752 40,439-40,439 - ( 11,055,294 ) - ( 10,774,810 ) ( 280,484 ) ( 5,204 ) - ( 5,204 ) - $ 45,442,322 $ 34,658,351 $ 10,980,703 ( $ 196,732 ) $ 1,617,257 $ 1,617,257 $ - $ - 332, , , , ,039,304 12,030,369 8,935-14,863,316 14,863, ,762,840-5,762,840-1,109,537 1,109, ,657,055-4,571,329 85, , ,034 - ( 7,288,065 ) - ( 6,831,718 ) ( 456,347 ) ( 12,631 ) - ( 12,631 ) - $ 33,341,475 $ 30,102,307 $ 3,609,789 ( $ 370,621 ) 197

200 $ 85,726 ( $ 11,736 ) $ 26,411 $ - $ 16,649 $ - $ 83, $ 178,293 ( $ 71,362 ) $ 39,121 $ - $ 57,121 $ 3,205 $ 85, $ 456,347 ( $ 179,498 ) $ 10,912 $ - $ 7,277 $ - $ 280, $ 67,309 ( $ 37,772 ) $ 439,516 $ - $ 5,387 $ 7,319 $ 456, % 198

201 $ 1,872 ( $ 2,031 ) $ 1,557 ( $ 1,557 ) 1,917 ( 1,917 ) 1,953 ( 2,402 ) ( ) Reuters Bloomberg

202 ( ) ( ) ( )

203 2. (1) A. B. 201

204 THE BANKER 3. (1) (2) (3) (4) 202

205 (5) $ 155,093,979 $ 149,696,272 14,961,059 13,386,770 13,762,549 10,906, (1) $ 44,775, $ 37,669, ,536, ,137, ,239, ,097,447 4 $ 89,551, $ 74,904,

206 (2) (3) $ 98,869, $ 87,963, ,773, ,903, ,270, ,848, ,382, ,076, ,637, ,988,639 2 $ 323,934, $ 296,780,

207 (1) ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ ( C ) ( D ) $ 182,339,823 $ 83,907,953 $ 48,756,863 $ 355,869 $ 315,360,508 $ 3,990,577 $ 4,583,518 $ 323,934,603 $ 1,023,338 $ 3,734,799 $ 319,176,466 5,591,571 2,383,864 4,992,408 43,440 13,011, ,762 2,005,522 15,284, ,873 36,436 14,709, , ,256 1,433,923-2,091,642 10,539-2,102,181-21,528 2,080, ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ ( C ) ( D ) $ 164,846,308 $ 75,058,919 $ 46,686,348 $ 307,963 $ 286,899,538 $ 4,771,292 $ 5,109,682 $ 296,780,512 $ 1,161,558 $ 3,101,922 $ 292,517,032 5,644,156 2,265,984 4,972,301 44,201 12,926, ,389 2,348,091 15,599, ,742 68,789 14,968,591 62, ,860 2,076,533-2,539,219 5, ,361 3,035, ,640 16,879 2,589,

208 (2) $ 22,523,707 $ 15,039,944 $ 3,723,746 $ 21,672 $ 41,309,069 31,606,264 26,450,013 36,846, ,395 95,058, ,447,461 13,199,317 4,307, ,953,929 3,983,823 6,472,909 2,027, ,802 12,663,320 1,778,568 22,745,770 1,851,312-26,375,650 $ 182,339,823 $ 83,907,953 $ 48,756,863 $ 355,869 $315,360, $ 16,542,953 $ 12,613,104 $ 2,044,019 $ 4,858 $ 31,204,934 27,873,775 19,838,900 36,050, ,100 83,907, ,620,847 11,907,560 4,276, ,805,385 3,711,359 6,005,598 4,315, ,005 14,191,041 1,097,374 24,693, ,791,131 $ 164,846,308 $ 75,058,919 $ 46,686,348 $ 307,963 $ 286,899,538 (3) $ 51,158 $ - $ 51,158 2,168, ,249 2,398, ,251 83, , ,522 45,184 1,003, ,554 57, ,

209 $ 11,340 $ 744 $ 12,084 2,286, ,609 2,488, , , ,536 1,321,333 5,073 1,326, ,231 55, ,

210 (4) ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ (C) (D) $ 18,291,753 $ - $ - $ - $ 18,291,753 $ - $ - $ 18,291,753 $ - $ 18,291,253-11,399, ,399, ,399,230-11,399, , , , , ,187 2,480,284 1,035, ,515, ,515,314-3,515, , , , , , , , , ,950 2,645,281 3,533,642-6,971, ,971,873-6,971,873 $ 22,566,082 $ 15,381,403 $ 3,709,871 $ - $ 41,657,356 $ - $ - $ 41,657,356 $ - $ 41,657, ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ (C) (D) $ 14,863,316 $ - $ - $ - $ 14,863,316 $ - $ - $ 14,863,316 $ - $ 14,863,316-5,762, ,762, ,762,840-5,762, , , ,109, ,109,537-1,109, ,098 1,576, ,207, ,207,472-2,207, , , , , , , , , ,379 1,347,750 4,976,518 2,153,600-8,477, ,750 8,627, ,750 8,477,868 $ 17,910,683 $ 13,255,250 $ 2,254,979 $ - $ 33,420,912 $ - $ 149,750 $ 33,570,662 $ 149,750 $ 33,420,

211 ( ) (1) (2) (3) (4)

212 $ 6,248,499 $ 4,949,371 $ 200,000 $ 99,000 $ - $ 11,496,870 1,175,740 3,245, ,421,095 2,817, , , ,390 1,895,302 5,596,002 84,883,945 86,038,648 72,793,141 97,770,316 81,756, ,242,417 4,200-2,400,000 3,000,000 20,357,700 25,761,900 1,224, ,887 1,035, ,184 2,874, $ 5,276,796 $ 7,606,591 $ 799,742 $ 99,000 $ - $ 13,782,129 1,302, ,302,319 10,262, , , ,774 1,987,242 13,502,992 69,838,851 89,149,107 64,052,879 93,327,672 81,937, ,305,940 4,200 3,000, ,392,500 27,396, ,781 33,235 27,217 33, , , ,609,108 91,059, (1) $ - $ 2,326 $ 27,312 $ 88,694 $ 106,182 $ 224, ,354 7,776 21, , , ,465-5,204 $ 641 $ 3,680 $ 35,827 $ 115,021 $ 919,102 $ 1,074, $ 1,116 $ 92 $ 7,401 $ 6,234 $ - $ 14,843 4,632 24,012 7,243 18, , ,766-7, ,301 12,631 $ 5,748 $ 31,434 $ 14,644 $ 24,293 $ 538,121 $ 614,

213 (2) $ 48,939,424 $ 28,621,831 $ 18,205,016 $ 16,323,402 $ 308,064 $ 112,397,737 49,296,412 28,907,456 19,443,122 30,597,827 51,374, ,618, ,026 3,615,852 3,806, ,540 8,595, ,164 3,468,582 3,655, ,000 8,245,146 48,939,424 28,843,857 21,820,868 20,129,562 1,259, ,993,315 49,296,412 29,128,620 22,911,704 34,253,227 52,274, ,863,976 $ 356,988 $ 284,763 $ 1,090,836 $ 14,123,665 $ 51,014,409 $ 66,870, $ 49,278,220 $ 9,000,034 $ 7,493,524 $ 5,236,919 $ 119,020 $ 71,127,717 49,371,482 9,890,520 8,309,435 18,802,319 15,178, ,551,779 8,236,250 3,536,850 1,796,800 2,096,500-15,666,400 8,140,000 3,410,995 1,792,750 2,067,800-15,411,545 57,514,470 12,536,884 9,290,324 7,333, ,020 86,794,117 57,511,482 13,301,515 10,102,185 20,870,119 15,178, ,963,324 ( $ 2,988 ) $ 764,631 $ 811,861 $ 13,536,700 $ 15,059,003 $ 30,169, $ 13,762,549 $ - $ - $ - $ - $ 13,762, ,093, ,093, , ,188 7,829,421 3,015, , ,000 2,726,350 14,468,871 $ 177,178,137 $ 3,015,600 $ 597,500 $ 300,000 $ 2,726,350 $ 183,817, $ 10,906,749 $ - $ - $ - $ - $ 10,906, ,696, ,696,272 1,029, ,029,701 6,072,979 2,498, , ,983 2,617,600 12,357,069 $ 167,705,701 $ 2,498,900 $ 635,607 $ 531,983 $ 2,617,600 $ 173,989,791 ( )

214 2. 3. (1) DV01 Delta Vega (2) 212

215 4. (1) (2) DV01 Vega (1) (2) 213

216 (3) 5. (1) (2) Delta Vega 6. (1) (2) 214

217 (3) 7. (1) A. B. C. D. (2) A. Interest Rate Factor Sensitivities, DV01 PVBP ,

218 1, ,554 6,386 B. Foreign Exchange Rate Factor Sensitivities, FX Delta 1% 1% , ,210 C. 1% 1% , , ,272 11,

219 ( ) ,282 43,420, % 964, % 4,443 95,966,458-1,298,825 29,233.06% 4 127, ,166, % 1,659,278 1,299.56% ,255 16,696, % 312, % 59,887 43,226, % 377, % 6 59,887 2,760 14,458, % 145,213 5,261.34% 1,279, ,934, % 4,758, % 40,942 15,284, % 575,309 1,405.18% 7-1,746,456-17,

220 ,919 33,492, % 858, % 12,826 85,087, % 1,177,351 9,179.41% 4 129, ,959, % 1,243, % ,995 16,336, % 365, % 6 49,679 37,956, % 434, % 5,404 14,948, % 184,686 3,417.58% 1,088, ,780, % 4,263, % 39,256 15,599, % 630,531 1,606.20% 7-2,161,061-13,

221 , , , , ,478 1,251, ,379 1,335, ,894 1,896, ,058 2,204,

222 A ,901,222 11% 2 B ,572,095 10% 3 C ,228,482 9% 4 D ,085,501 9% 5 E ,050,978 8% 6 F ,252,747 6% 7 G ,239,291 6% 8 H ,181,230 6% 9 I ,147,570 6% 10 J ,000,027 6% B ,954,572 10% 2 A ,722,306 9% 3 I ,704,050 9% 4 K ,325,952 8% 5 E ,272,093 8% 220

223 L ,907,900 7% 7 D ,855,695 6% 8 F ,819,371 6% 9 M ,807,757 6% 10 N ,644,128 6% 1 A

224 ,763, ,137,405 4,141,518 24,621, ,664, ,527, ,633,128 60,281,840 21,195, ,637, ,236,757 ( 6,495,723 ) ( 56,140,322 ) 3,426,208 41,026,920 35,675, % % ,953, ,028,199 4,401,458 22,164, ,548, ,343, ,243,929 63,713,243 22,514, ,815, ,610,771 ( 10,215,730 ) ( 59,311,785 ) ( 350,362 ) 36,732,894 28,500, % % ,505, ,431 40,909 8,171 1,672,169 1,344, , , ,225 2,283, ,553 ( 419,823 ) ( 211,295 ) ( 142,054 ) ( 611,619 ) 34, % ( 1,766.10% ) 222

225 ,410,040 76,741 1,811 16,286 1,504,878 1,165, ,234 99, ,000 2,057, ,188 ( 565,493 ) ( 97,907 ) ( 133,714 ) ( 552,926 ) 25, % ( 2,166.98% ) % 0.74% 0.73% 0.64% 13.18% 12.87% 11.33% 11.05% 33.97% 32.10% (1) ,881,437 80,092,042 95,297,874 51,367,144 38,346,907 52,805, ,972, ,811,998 48,379,115 72,372, ,170, ,292, ,708, ,888,285 ( 98,930,561 ) 31,712,927 22,925,414 ( 60,803,731 ) ( 81,946,013 ) ( 123,903,129 ) 113,083, ,438, ,897,040 79,884,556 40,751,607 31,699,709 34,169, ,036, ,097,824 51,590,560 55,866, ,517,387 71,415, ,731, ,975,773 ( 5,659,466 ) 51,306,480 24,017,619 ( 74,765,780 ) ( 39,716,205 ) ( 70,561,850 ) 104,060,

226 (2) ,215,768 2,630,130 1,306,365 1,141,403 1,211, ,713 7,467,521 3,157,495 1,539, ,827 1,197, ,958 ( 251,753 ) ( 527,365 ) ( 232,784 ) 145,576 14, , ,537,675 2,200,168 1,452, , , ,960 5,583,964 2,969, , , , ,063 ( 46,289 ) ( 768,925 ) 480,839 ( 1,513 ) 32, ,

227 ,736,013 33,243, ,504,626 14,018,501 46,240,639 47,261, ,785, ,818, , ,180 14,442,463 14,223, ,759,250 19,804, ,304, ,162, % 13.16% 9.14% 9.26% 9.14% 9.26% 5.50% 5.58% ,690,005 26,238, ,123,625 13,676,786 38,813,630 39,914, ,008, ,547, ,241,600 12,714, ,309,788 10,309, ,559, ,572, % 12.69% 8.25% 8.34% 8.25% 8.34% 4.58% 4.68% 225

228 (1) (2) 12.5 (3) (4) (5) (6) = IFRS 8 ( ) ( ) ( ) 226

229 103 $ 4,370,575 $ 2,200,219 ( $ 1,191,258 ) $ 5,379,536 2,306, , ,355 2,914, ,824 1,763, ,874 2,583,275 7,139,625 4,406,352 ( 669,029 ) 10,876, , ,304 ( 363,147 ) ( 70,318 ) ( 4,773,909 ) ( 1,183,903 ) ( 552,684 ) ( 6,510,496 ) $ 2,549,241 $ 3,331,753 ( $ 1,584,860 ) $ 4,296, $ 4,141,159 $ 1,856,007 ( $ 1,112,799 ) $ 4,884,367 2,434, , ,516 2,971, ,168 1,391,663 1,556 1,682,387 6,864,991 3,629,798 ( 956,727 ) 9,538,062 ( 39,964) 336,015 ( 277,880 ) 18,171 ( 4,514,780 ) ( 1,042,049 ) ( 436,297 ) ( 5,993,126 ) $ 2,310,247 $ 2,923,764 ( $ 1,670,904 ) $ 3,563,107 ( ) ( ) % 5. 10% 6. 10% %

230 ( ) 228

231 ,000 $ 799,971 - $ - 98,000 $ 723,240 $ 799,657 ( $ 78,587 ) - $ - 2,

232 B A $ 128,845 ( $ 14,983 ) 12,000-12, , ,434 3,000-3, ,861 8, ,463,169 77,898 95,524-95, ,856 ( 74,264 ) 120, , ,075 5,953 20,000-20, , ,500-5,119-5, ,850-7,485-7, , ,006-2,238-2,

233 $ 255, , , , , , , , , , , , , , , , , , , , , ,

234 232

235 233

236 (02)

237

238 $ 8,018,266 2 $ 4,301, ,125, ,876, ,430, ,795, , , ,385, ,006, ,738, ,465, , ,176, ,517, ,518, ,735, ,991, ,105, ,609,533-2,661, ,971, ,477, ,752, ,661, ,781, ,809, ,801,534-1,830, , , , , $ 521,344, $ 492,105,

239 $ 11,496,870 2 $ 13,782, ,055, ,288, ,204-12, ,391, ,299, ,537, ,443, ,465-5, ,765, ,665, ,479, ,103, ,844, , , , , , ,082, ,152, ,618, ,621, ,400-34, ,382,816-2,511, , , ,697, ,903, ,384, ,595, ,264-16, ( 269,559) - ( 314,461) ( 202,295) - ( 298,197) ,262, ,953,084 6 $ 521,344, $ 492,105,

240 $ 12,251, $ 11,263, ,876, ,378, ,375, ,884, ,445, ,536, ( 4) ,592, ,097, , , , , , ,254 2 ( 28) , ,457 2 ( 7) , , ,194, ,370, xxxx 10,570, ,255, ,361 1 ( 18,093)

241 $ 3,638, $ 3,373, , ,311 2 ( 7) ,391, ,147, ,240, ,746, ,259, ,526, , , ,694, ,061, , , ,939 - ( 125,353) ( 1) ,883 - ( 14,628) ,822 1 ( 132,848) ( 1) $ 3,791, $ 2,928, $ 1.31 $ $ 1.13 $

242 A $ 22,422,596 $ 22,348 $ 1,742, B ,012 B B B ,105, ,105, ,012 C D D D N1 93,152 12,575 - Z ,621,182 34,923 2,511,684 E1 3,650, , B ,132 B B B ,224, ,224, ,132 D D D N1 122,605 1,716 - Z $ 28,618,263 $ 462,400 $ 3,382,

243 $ 4,554 $ 2,405,786 $ 9,131 ($ 173,800) $ 26,433,287 - ( 769,012) ,800 ( 173,800) ( 515,720) - - ( 515,720) - ( 1,105,434) ,800 ( 2,563,966) - - ( 515,720) 1, ,368-3,061, ,061, ,133 ( 140,661) ( 132,848) - 3,061,950 7,133 ( 140,661) 2,928, , ,722 2,903,770 16,264 ( 314,461) 28,953, ,075,761 - ( 871,132) ,400 ( 124,400) ( 681,779) - - ( 681,779) - ( 1,224,476) ,400 ( 2,901,787) - - ( 681,779) - 3,694, ,694, ,000 44,902 96,822-3,695,443 51,000 44,902 3,791, ,321 $ 304,122 $ 3,697,426 $ 67,264 ($ 269,559) $ 36,262,

244 A00010 $ 4,259,598 $ 3,526,561 A20000 A , ,327 A ,884 39,984 A ,361 ( 18,093) A , ,647 A ,876,102 6,378,340 A21200 ( 12,251,873) ( 11,263,165) A21300 ( 69,177) ( 75,482) A22400 ( 166,763) ( 231,254) A ,883 1,330,422 A29900 ( 29,889) ( 29,325) A40000 A41110 ( 4,000,746) 1,635,931 A41120 ( 6,662,984) ( 3,612,256) A ,832,444 ( 507,850) A41160 ( 27,959,190) ( 13,392,924) A41170 ( 8,792,969) ( 10,047,589) A41180 ( 660,120) ( 895,829) A ,506,018 2,236,740 A42110 ( 2,285,259) 2,107,171 A ,741,584 3,108,608 A42150 ( 7,774,248) 8,371,354 A ,100,006 6,223,612 A33000 ( 26,111,155) ( 4,001,070) A ,175,592 11,264,063 A ,177 75,482 A33300 ( 6,745,214) ( 6,481,031) A33500 ( 598,598) ( 163,320) AAAA ( 21,210,198) 694,

245 B01200 ($ 74,850) $ - B02700 ( 150,660) ( 122,802) B B06500 ( 4,755,579) 93,431 B ,445 1,191 B , ,898 BBBB ( 4,734,569) 324,798 C ,481,250 C ,100,000 4,000,000 C01500 ( 3,000,000) ( 4,000,500) C ,091,980 1,299,471 C ,448,098 ( 511,951) C ,003 2,784 C04500 ( 681,779) ( 515,720) C ,075,761 - CCCC 6,152,063 4,755,334 DDDD 137,761 ( 25,115) EEEE ( 19,654,943) 5,749,141 E ,979,789 95,230,648 E00200 $ 81,324,846 $ 100,979, E00210 $ 8,018,266 $ 4,301,045 E ,920,870 73,672,419 E ,385,710 23,006,325 E00200 $ 81,324,846 $ 100,979,

246 ( )( ) ( ) ( ) ( ) IASB IFRS IASIFRICSIC 2010 IFRS IAS IFRIC SICIFRSs IASB 2013 IFRSs 244

247 2013 IFRSs IASB IFRSs IFRSs IAS IAS IFRSs IFRS 1 IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS 11 IFRS IFRS 12 IAS IFRS IAS IAS IAS IAS IAS IAS IFRIC IFRSs 1. IFRS 12 IFRS IFRS 13 IFRS

248 IFRS 13 IFRS IAS 1 (1)(2) IAS

249 104 IAS IFRSs 2013 IFRSs $ 822,423 $ 37,937 $ 860,360 $ 596,927 $ 223,161 $ 820,088 $ 7,384,364 ( $ 185,224 ) $ 7,199,140 $ 36,262,732 ( $ 185,224 ) $ 36,077, $ 576,972 $ 18,982 $ 595,954 $ 609,401 $ 111,657 $ 721,058 $ 5,595,176 ( $ 92,675 ) $ 5,502,501 $ 28,953,084 ( $ 92,675 ) $ 28,860, $ 3,694,523 $ 3,557 $ 3,698,080 $ 3,791,345 ( $ 92,549 ) $ 3,698,796 ( ) IASB IFRSs IASB IFRSs 2013 IFRSs IASB IFRS IFRS 9 IFRS IAS IFRS 12 IAS IFRS IFRS IFRS IAS IAS 16 IAS IAS 16 IAS IAS IAS IAS IAS IFRIC

250 IFRS IFRS 3 IFRS IFRS IFRS 9 IAS 39 IFRS 9 (1) (2) 248

251 IFRS 9 IFRS IFRS 9 IAS 39 (1) (2) (3) 2. IAS 36 IASB IFRS 13 IAS 36 IAS

252 3. IFRS 15 IFRS 15 IAS 18 IAS 11 IFRS 15 (1) (2) (3) (4) (5) IFRS IAS 1 ( ) ( ) 250

253 ( ) ( ) ( ) 251

254 ( ) ( ) ( ) ( ) 252

255 ( ) ()

256 (1) A. B. C. (2) (3) 254

257 (4) 2. A. B. C. D. (1) 255

258 (2) (3) 256

259 3. 1. (1) (2)

260 () 258

261 () () () 10% () 259

262 1. 10%

263 ( ) ( ) ( ) ( ) ( ) ( ) 261

264 ( ) $ 3,008,181 $ 2,645,232 4,404,964 1,342, , ,914 $ 8,018,266 $ 4,301, $ 59,175,000 $ 60,630,000 2,528,160 10,254,670 6,161,365 8,217,629 9,829,608 9,673,862 53,323 51, ,022 49,026 $ 78,125,478 $ 88,876, ,920,870 73,672,

265 $ 5,290,216 $ 882,925 2,217,126 2,746,609 1,871, ,332 1,353,885 1,617, , , , , ,689 72, ,311 84, , , , , ,689-84,603 94,932 12,363,882 6,756,140 13,066,738 12,039,304 $ 25,430,620 $ 18,795,444 $ 5,259,651 $ 5,104,453 2,496, ,643 1,871, , , , , , , , , , ,514 80,818 24,491 30,889 $ 11,055,294 $ 7,288,

266 $ 288,640,504 $ 94,772, ,272, ,416, ,306, ,533,414 32,011,721 25,498,215 22,366,930 10,438,487 21,960,764 20,136,950 18,254,846 20,062,578 11,893,669 31,862,475 2,889,347 2,247, , , ( $ 1,458,576 ) ( $ 485,820 ) 3,050,773 1,583,618 $ 1,592,197 $ 1,097, , $ 40,439 $ 111,034 $ 5,204 $ 12, ,900,000 4,600,

267 $ 63,168 $ 69,020 $ 63,168 $ 69, $ 13,274,146 $ 19,375,114 1,111,564 1,507,075-2,124,136 $ 14,385,710 $ 23,006, $ 14,390,592 $ 23,012, $ 15,391,769 $ 15,687,152 1,746,456 2,161, , , , , ,208 1,434, , , , ,423 19,359,953 21,145, , ,915 $ 18,738,407 $ 20,465, $ 167,992 $ 159,359 56,046,303 48,538, ,396, ,720, ,346, ,602, , , ,934, ,780,512 4,758,137 4,263,480 $ 319,176,466 $ 292,517,

268 103 $ 4,263,480 $ 1,109,571 $ 5,373, ,060 ( 369,861 ) 50,199 ( 570,261 ) ( 413,822 ) ( 984,083 ) 623, , ,883 21,324 1,474 22,798 $ 4,758,137 $ 621,711 $ 5,379, $ 3,582,006 $ 1,174,864 $ 4,756,870 99,273 ( 181,328 ) ( 82,055 ) ( 413,844 ) ( 219,480 ) ( 633,324 ) 991, ,593 1,330,422 4,216 ( 3,078 ) 1,138 $ 4,263,480 $ 1,109,571 $ 5,373, $ 420,060 $ 99,273 ( 369,861 ) ( 181,328 ) 20,162 63,962 $ 70,361 ( $ 18,093 ) $ 2,912,152 $ 674,639 $ 3,431,546 $ 638,734 1,671, ,699 1,678, ,824 5,074,384 50,744 2,841,768 14, ,276,701 3,684, ,829,062 3,087,713 $ 323,934,603 $ 4,758,137 $ 296,780,512 $ 4,263,

269 $ 6,053 $ 2,602 $ 651,446 $ 591,524 2,014, ,088 2,357, ,306 9,578,134-10,058,136-15,796,461 66,021 16,217,289 90,491 $ 27,394,980 $ 621,711 $ 29,284,725 $ 1,259, $ 13,963,872 $ 13,619,393 10,891,647 5,045,261 4,327,881 1,243, ,187 1,109, , ,579 $ 30,518,170 $ 21,735, , , ,103,414 1,119, $ 2,642,131 $ 1,057, ,092 1,150, , , ,091 - $ 3,991,084 $ 3,105,

270 $ 1,017,519 $ 1,096,002 1,592,014 1,565,855 $ 2,609,533 $ 2,661,857 ( ) $ 568, $ 645, , , , , , , $ 1,017,519 $ 1,096,002 ( ) $ 1,463, $ 1,421, , , $ 1,592,014 $ 1,565, $ 45,023,519 $ 50,969,110 $ 38,068,120 $ 44,162, $ 901,857 $ 1,101,101 $ 315,695 $ 294,952 $ 58,570 ( $ 64,688 ) 268

271 ( ) $ 163,434 $ 169,084 ( 74,264 ) 4,548 8,725 11,231 5,953 ( 10,782 ) 77,898 74,756 ( 14,983 ) ( 17,583 ) $ 166,763 $ 231, $ 4,244,125 $ 4,794,018 1,268, ,668 2,935, , ,750 $ 6,971,873 $ 8,477, , $ 286 $ 490, , , ,893, ,400 2,607,429 1,585, , , , , , ,379 $ 7,752,695 $ 2,661,

272 $ 74,850 $ - 50,006 50,006 45,500 45,500 3,000 3,000 2,073 2, $ 176,229 $ 101, , % 103 $ 1,581,625 $ 1,239,899 $ 1,301,226 $ 5,995 $ 1,363,948 $ 14,845 $ 5,507,538-5,849 70, ,575 33, ,660 - ( 331 ) ( 29,591 ) ( 76 ) ( 38,166 ) - ( 68,164 ) ,135-6,738 ( 25,097 ) 2,776 1,581,625 1,245,417 1,363,462 6,132 1,373,095 23,079 5,592, , ,844 5,736 1,204,379-2,698,261-25,367 98, , ,375 - ( 274 ) ( 29,553 ) ( 76 ) ( 38,156 ) - ( 68,059 ) - - 1, , ,395 1,028,525 5,844 1,222,444-2,811,208 $ 1,581,625 $ 691,022 $ 334,937 $ 288 $ 150,651 $ 23,079 $ 2,781, $ 1,581,625 $ 1,236,633 $ 1,354,797 $ 6,234 $ 1,343,085 $ 22,076 $ 5,544,450-3,517 52, ,380 36, ,802 - ( 550 ) ( 142,190 ) ( 296 ) ( 17,358 ) - ( 160,394 ) ,453-7,841 ( 43,913 ) 680 1,581,625 1,239,899 1,301,226 5,995 1,363,948 14,845 5,507, , ,036 5,841 1,163,318-2,671,843-25, , , ,327 - ( 550 ) ( 142,140 ) ( 296 ) ( 17,556 ) - ( 160,542 ) , ,844 5,736 1,204,379-2,698,261 $ 1,581,625 $ 710,597 $ 342,382 $ 259 $ 159,569 $ 14,845 $ 2,809,

273 $ 1,538,210 $ 1,538, , ,887 1,967,097 1,967, , ,193 $ 1,801,534 $ 1,830, B $ 143,673 $ 165,084 11,215 7,763 $ 154,888 $ 172, $ 11,048,017 $ 13,441, , , ,051 31,176 $ 11,496,870 $ 13,782, $ 4,082,741 $ 1,118, , , ,453 $ 4,391,451 $ 1,299, $ 4,421,095 $ 1,302,

274 $ 1,434,213 $ 1,354,065 1,201,038 8,836, , , , , , , , , , , , ,471 $ 5,537,456 $ 13,443, $ 2,548,513 $ 2,584,658 43,772,901 46,271,639 58,545,999 54,822,689 82,186,606 85,924,264 21,989,500 24,392, ,677, ,653,164 44,571 16,559 $ 423,765,479 $ 398,665, $ 21,039,435 $ 23,002,603 4,440,314 4,101,282 $ 25,479,749 $ 27,103, $ 3,000,000 $ 3,000, % A ,000,000 B % ,000,

275 A $ 2,400,000 $ 2,400, % B ,000,000 2,000, % ,000,000 2,000, % ,500,000 3,500, % ,000,000 3,000, % ,000,000 4,000, % ,100, % ,960 3, ,004,200 22,904,200 35,235 98,403 $ 21,039,435 $ 23,002, , % 4,009, ,589 38, % 433,337 ( ) % ( )

276 130% 0.375% 2. 90% 3. ( ) (1) (2) 15 1 (3)

277 5. (1) 30 (2) (3) $ 1,664,080 $ 214, , ,807 $ 1,844,152 $ 396, $ 596,927 $ 609, , ,724 $ 762,276 $ 754,125 6% 6 2% 275

278 % 2.25% 1.25% 1.50% 2.50% 2.50% $ 11,595 $ 12,106 22,099 16,881 ( 3,666 ) ( 4,325 ) 2,554 1,059 ( 1,200 ) ( 1,200 ) $ 31,382 $ 24, $ 1,004,927 $ 978,015 11,595 12,106 22,099 16, ,890 21,361 ( 13,899 ) ( 18,868 ) ( 26,213 ) ( 4,568 ) $ 1,114,399 $ 1,004, $ 1,114,399 $ 1,004, , , , ,058 ( 244,005 ) ( 133,701 ) 20,844 22,044 $ 596,927 $ 609,

279 $ 283,869 $ 279,571 3,666 4,325 3,032 ( 768 ) 17,643 19,609 ( 13,899 ) ( 18,868 ) $ 294,311 $ 283, ,698 3, % 44.77% 28.36% 31.58% 19.12% 22.86% 2.83% 0.79% % % $ 1,114,399 $ 1,004,927 $ 978,015 $ 857,300 $ 294,311 $ 283,869 $ 279,571 $ 260,879 $ 820,088 $ 721,058 $ 698,444 $ 596,421 ( $ 80,779 ) ( $ 91,302 ) ( $ 52,368 ) $ - $ 3,032 ( $ 768 ) ( $ 2,788 ) $ ,084 20, $ 359,858 $ 261,284 92,074 78,725 47,020 40,984 19,759 21,073 $ 518,711 $ 402,

280 ( ) ,500,000 4,500,000 $ 45,000,000 $ 45,000,000 2,861,826 2,362,118 $ 28,618,263 $ 23,621, ,000 18,250, ,050 3,650, ,761 ( ) ( ) 30% 1. 92% 2. 2% 3. 6% 10% 278

281 15% 25% $ 871,132 $ 769, , , , ,720 $ $ ,224,476 1,105, $ 2,901,787 $ 2,563,966 IFRSs IFRS 1 165, , , , , ,

282 87 10% $ 1,108,357 ( 95,903 ) 1,144,730 $ ,536, $ 3,693, ,882 58, ( ) ( $ 314,461 ) ( $ 173,800 ) 94,516 ( 130,621 ) ( 59,577 ) 5,268 9,963 ( 15,308 ) ( $ 269,559 ) ( $ 314,461 ) 280

283 $ 9,943,980 $ 9,142,527 1,009,197 1,028, , , , , ,922 8, , ,495 12,251,873 11,263,165 3,351,436 3,316,328 2,677,018 2,414, , , , , ,863 45,024 6,876,102 6,378,340 $ 5,375,771 $ 4,884, $ 943,517 $ 964, , , , , , ,788 2,908,757 2,973, , ,664 94, ,093 82,960 85,029 39,816 35,527 39,267 41,682 84,238 70, , ,791 $ 2,445,971 $ 2,536,

284 $ 35,244 $ 63,406 14,378 8,676 ( 1,394,210 ) 1,691,011 2,991, ,718 ( 26,420 ) 18,634 1,570,383 1,953,363 ( 120,382 ) ( 2,236,821 ) 43,278 1,311,632 49,296 ( 2,458 ) ( 27,808 ) ( 927,647 ) $ 1,592,197 $ 1,097, $ 2,704,235 $ 2,530, , , , , , , , , , ,952 $ 3,638,611 $ 3,373, ,528 2, $ 179,375 $ 186,327 $ 30,884 $ 39,

285 $ 556,626 $ 355, , , , , , , , , , ,737 $ 2,391,923 $ 2,147,178 ( ) $ 499,608 $ 123,166 ( 25,651 ) ( 2,444 ) 473, ,722 91, ,569 $ 565,075 $ 465, $ 4,259,598 $ 3,526,561 $ 724,132 $ 599,515 ( 791,108 ) ( 180,986 ) 66, ,225 - ( 617,754 ) 483,339 96, ,071 26, , ,166 ( 25,651 ) ( 2,444 ) 91, ,569 $ 565,075 $ 465, %

286 ( ) 103 $ 379,836 $ - $ - $ 379,836 81, ,002 40,054 60, ,818 9,678 25,338-35, ,913 86, ,672 66,059 ( 177,877 ) 336, ,751 $ 576,972 ( $ 91,118 ) $ 336,569 $ 822, $ 286,491 $ 93,345 $ - $ 379,836 81, ,345 ( 67,012 ) 107,066-40,054 12,380 ( 2,702 ) - 9, , , , ,741 ( 540,648 ) ( 7,034 ) 66,059 1,686 ( 1,686 ) - - $ 928,575 ( $ 344,569 ) ( $ 7,034 ) $ 576,972 ( ) $ 1,842,760 $ 1,128, ,055,725 - $ 2,898,485 $ 1,128,545 ( ) $1,842, ,243, ,968 $4,220,

287 ( ) $273,569 $ 104, % 16.58% IFRSs ( ) $ 1.31 $ 1.24 $ 1.13 $ $ 1.30 $ 1.24 $ 1.20 $

288 $ 3,694,523 $ 3,061,270 ( 82,388 ) 106,215 $ 3,612,135 $ 3,167, ,826,157 2,461, , ,230 22,500 14,299 3,184,917 2,775,

289 ( ) 103 $1,800,000 $ 900,000 $ 1, %-0.65% 102 $1,200,000 $ 700,000 $ %-0.44% 287

290 ( ) $ 1,310 $ 1,000 $ 1,000 $ - 5 3,006 2,679 2, , , ,190-1,890,000 1,865,000 1,865, , , , , , , , , , ,595 10,212 10, , , / 204, , / 200, , , , $ 3,696,081 $ 3,696,081 $ ,332 $ 1,012 $ 1,012 $ ,502 79,936 79,936-1,845,000 1,845,000 1,845, , , , , , , ,777 12,220 12, , , / 383, , , , , $ 2,708,168 $ 2,708,168 $ %-3.28% $ 39, %-2.38% $ 41,

291 ( ) 103 $ 130,000 $ 130,000 $ 1, % 48,000 48, % 60,000 30, % 12,200 9, % 18,324 5, % 3,000 3, % $ 226,010 $ 2, ,000 $ 38,000 $ % 60,000 30, % 311,676 12, % 11,000 11, % 3,000 3, % $ 94,514 $ 473 ( ) $ 28,163 $ 70,934 ( ) 103 $ 1,100,000 $ 2,000,000 $ 100,000 $ - $ - $ 50,000 $370,156,386 $ 1,471, $ 2,050,000 $ 1,350,000 $ 50,000 $ - $ 100,000 $ 200,000 $123,751,482 $ 349,828 ( ) ~ $ 951,540 ( $ 7,179 ) $ 49, ~ 6,660,780 ( 10,728 ) 320, ~ 222, ~ 1,026,870 ( 14,813 ) 15, ~ 1,237,002 ( 317 ) , ~ 378, , , ~ ,515 ( 769 )

292 ~ $ 158,590 $ 2,707 $ 2, ~ 390,000 14,656 59, , ~ ~ ~ ~ ~ ~ ,134, ,911 6,648,900 15, ,631 ( 957 ) 787,683 ( 4,509 ) 149,750 ( 1,485 ) 348,000 44,308 14,056 99,748 4,870 41, ,446 12, , ( ) % $ 35,470,076 $ 33,899,289 0%-6.36% 0%-6.36% $ 358,307 $ 386,226 ( ) $ 301,106 $ 294,682 6,030 5,570 $ 307,136 $ 300,

293 ( ) $ 211,011 3 $ 195, , , , , , , ,384 1 $ 436,026 7 $ 340,834 6 ( ) $ 175,029 $ 139,913 2,803 2,085 $ 177,832 $ 141, $ 7,600,000 $ 4,000,000 4,145,300 2,625,000 $ 11,745,300 $ 6,625,

294 ( ) $ 341,446 $ 311, , , , ,588 $ 1,171,726 $ 960,208 ( ) $ 6,924,007 $ 6,906,582 13,479 11,372 4,549 3,714 43,481,540 40,020,561 5,314,094 5,465,302 1,249, ,188 3,436,630 2,543, , ,364 $ 60,976,514 $ 55,653,884 $ 1,287 $ 2, ,436,630 2,543,801 56,410,576 51,669,151 1,127,795 1,438,102 $ 60,976,514 $ 55,653,

295 $ 42,318 $ 36,572 1,631,075 1,404, , , ,885 1,301 2,875 35,937 2,789 1,836,517 2,158,421 30,366 35, ,894 4,607 8, , ,861 40,581 1,420,656 2,117,840 11,632 11,283 $ 1,409,024 $ 2,106, $ 6,924,007 $ 6,906,582 13,479 11,372 4,549 3,714 43,481,540 40,020,561 5,314,094 5,465, , ,799 45,190 43, , ,661 3,436,630 2,543, , ,364 $ 60,976,514 $ 55,653, , ,

296 $ 2,530, $ 80,251,204 $ 2,053, $ 61,488,371 1,056, ,320,925 1,363, ,265,631 1,448, ,389, , ,652,319 71, ,845,253 72, ,942, , ,082, ,443, ,422 4,818, ,374,305 22, ,640 21, ,882 5, ,895 4, ,136 9, ,575 8, ,737 4, ,087 5, , ,030 10, ,842 2,315, ,451,616 1,987, ,537,783 1,480, ,553, , ,662,476 1,053, ,309,755 1,340, ,177,083 80, ,085,597 77, ,067, , ,085, ,423, ,262 4,809, ,371,710 22, ,113 21, ,976 5, ,114 4, ,353 9, ,488 8, ,102 4, ,950 5, , ,377 10, ,

297 ( ) $ 8,018,266 $ 8,018,266 $ 4,301,045 $ 4,301,045 78,125,478 78,125,478 88,876,281 88,876,281 25,430,620 25,430,620 18,795,444 18,795,444 40,439 40, , ,034 14,385,710 14,385,710 23,006,325 23,006,325 18,738,407 18,738,407 20,465,440 20,465, ,176, ,176, ,517, ,517,032 30,518,170 30,518,170 21,735,693 21,735,693 3,991,084 4,008,076 3,105,972 3,122,487 6,971,873 6,971,873 8,477,868 8,477, , , , ,379 7,576,466 7,576,466 2,560,316 2,560,316 11,496,870 11,496,870 13,782,129 13,782,129 11,055,294 11,055,294 7,288,065 7,288,065 5,204 5,204 12,631 12,631 4,391,451 4,391,451 1,299,471 1,299,471 5,537,456 5,537,456 13,443,426 13,443, ,765, ,765, ,665, ,665,473 3,935,235 3,935,235 4,698,403 4,698,403 21,544,514 21,544,514 22,405,482 22,405,482 1,844,152 1,844, , ,054 ( )

298 ( ) 1. (1) (2) (3) 296

299 $ 1,512,574 $ 1,512,574 $ - $ - 287, , , , ,066,738 13,066, ,291,753 18,291, ,399,230-11,399, , , ,404,800-10,321,048 83,752 40,439-40,439 - ( 11,055,294 ) - ( 10,774,810 ) ( 280,484 ) ( 5,204 ) - ( 5,204 ) - $ 44,928,731 $ 34,144,760 $ 10,980,703 ( $ 196,732 ) 297

300 $ 1,617,257 $ 1,617,257 $ - $ - 332, , , , ,039,304 12,030,369 8,935-14,863,316 14,863, ,762,840-5,762,840-1,109,537 1,109, ,657,055-4,571,329 85, , ,034 - ( 7,288,065 ) - ( 6,831,718 ) ( 456,347 ) ( 12,631 ) - ( 12,631 ) - $ 33,341,475 $ 30,102,307 $ 3,609,789 ( $ 370,621 ) $ 85,726 ( $ 11,736 ) $ 26,411 $ - $ 16,649 $ - $ 83,

301 102 $ 178,293 ( $ 71,362 ) $ 39,121 $ - $ 57,121 $ 3,205 $ 85, $ 456,347 ( $ 179,498 ) $ 10,912 $ - $ 7,277 $ - $ 280, $ 67,309 ( $ 37,772 ) $ 439,516 $ - $ 5,387 $ 7,319 $ 456, % $ 1,872 ( $ 2,031 ) $ 1,557 ( $ 1,557 ) 1,917 ( 1,917 ) 1,953 ( 2,402 ) 299

302 ( ) ReutersBloomberg ( ) ( ) 300

303 ( )

304 (1) A. B. THE BANKER 302

305 3. (1) (2) (3) (4) (5) 303

306 $ 155,093,979 $ 149,696,272 14,961,059 13,386,770 13,762,549 10,906, (1) $ 44,775, $ 37,669, ,536, ,137, ,239, ,097,447 4 $ 89,551, $ 74,904, (2) 304

307 (3) $ 98,869, $ 87,963, ,773, ,903, ,270, ,848, ,382, ,076, ,637, ,988,639 2 $ 323,934, $ 296,780,

308 (1) ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ ( C ) ( D ) $182,339,823 $ 83,907,953 $ 48,756,863 $ 355,869 $ 315,360,508 $ 3,990,577 $ 4,583,518 $ 323,934,603 $ 1,023,338 $ 3,734,799 $ 319,176,466 5,591,571 2,383,864 4,992,408 43,440 13,011, ,762 2,005,522 15,284, ,873 36,436 14,709, , ,256 1,433,923-2,091,642 10,539-2,102,181-21,528 2,080, ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ ( C ) ( D ) $ 164,846,308 $ 75,058,919 $ 46,686,348 $ 307,963 $ 286,899,538 $ 4,771,292 $ 5,109,682 $ 296,780,512 $ 1,161,558 $ 3,101,922 $ 292,517,032 5,644,156 2,265,984 4,972,301 44,201 12,926, ,389 2,348,091 15,599, ,742 68,789 14,968,591 62, ,860 2,076,533-2,539,219 5, ,361 3,035, ,640 16,879 2,589,

309 (2) $ 22,523,707 $ 15,039,944 $ 3,723,746 $ 21,672 $ 41,309,069 31,606,264 26,450,013 36,846, ,395 95,058, ,447,461 13,199,317 4,307, ,953,929 3,983,823 6,472,909 2,027, ,802 12,663,320 1,778,568 22,745,770 1,851,312-26,375,650 $ 182,339,823 $ 83,907,953 $ 48,756,863 $ 355,869 $315,360, $ 16,542,953 $ 12,613,104 $ 2,044,019 $ 4,858 $ 31,204,934 27,873,775 19,838,900 36,050, ,100 83,907, ,620,847 11,907,560 4,276, ,805,385 3,711,359 6,005,598 4,315, ,005 14,191,041 1,097,374 24,693, ,791,131 $ 164,846,308 $ 75,058,919 $ 46,686,348 $ 307,963 $ 286,899,538 (3) $ 51,158 $ - $ 51,158 2,168, ,249 2,398, ,251 83, , ,522 45,184 1,003, ,554 57, ,

310 $ 11,340 $ 744 $ 12,084 2,286, ,609 2,488, , , ,536 1,321,333 5,073 1,326, ,231 55, ,

311 (4) ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ (C) (D) $ 18,291,753 $ - $ - $ - $ 18,291,753 $ - $ - $ 18,291,753 $ - $ 18,291,253-11,399, ,399, ,399,230-11,399, , , , , ,187 2,480,284 1,035, ,515, ,515,314-3,515, , , , , , , , , ,950 2,645,281 3,533,642-6,971, ,971,873-6,971,873 $ 22,566,082 $ 15,381,403 $ 3,709,871 $ - $ 41,657,356 $ - $ - $ 41,657,356 $ - $ 41,657, ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ (C) (D) $ 14,863,316 $ - $ - $ - $ 14,863,316 $ - $ - $ 14,863,316 $ - $ 14,863,316-5,762, ,762, ,762,840-5,762, , , ,109, ,109,537-1,109, ,098 1,576, ,207, ,207,472-2,207, , , , , , , , , ,379 1,347,750 4,976,518 2,153,600-8,477, ,750 8,627, ,750 8,477,868 $ 17,910,683 $ 13,255,250 $ 2,254,979 $ - $ 33,420,912 $ - $ 149,750 $ 33,570,662 $ 149,750 $ 33,420,

312 ( ) (1) (2) (3) (4)

313 $ 6,248,499 $ 4,949,371 $ 200,000 $ 99,000 $ - $ 11,496,870 1,175,740 3,245, ,421,095 2,816, , , ,390 1,836,890 5,537,456 84,938,023 86,116,473 72,804,116 97,976,397 81,930, ,765,479 4,200-2,400,000 3,000,000 20,357,700 25,761, , ,887 1,035, ,184 1,844, $ 5,276,796 $ 7,606,591 $ 799,742 $ 99,000 $ - $ 13,782,129 1,302, ,302,319 10,262, , , ,774 1,927,677 13,443,426 69,855,763 89,310,306 64,053,735 93,481,594 81,964, ,665,473 4,200 3,000, ,392,500 27,396, ,781 33,235 27,217 33, , , ,813,972 91,090, (1) $ - $ 2,326 $ 27,312 $ 88,694 $ 106,182 $ 224, ,354 7,776 21, , , ,465-5,204 $ 641 $ 3,680 $ 35,827 $ 115,021 $ 919,102 $ 1,074, $ 1,116 $ 92 $ 7,401 $ 6,234 $ - $ 14,843 4,632 24,012 7,243 18, , ,766-7, ,301 12,631 $ 5,748 $ 31,434 $ 14,644 $ 24,293 $ 538,121 $ 614,

314 (2) $ 48,939,424 $ 28,621,831 $ 18,205,016 $ 16,323,402 $ 308,064 $ 112,397,737 49,296,412 28,907,456 19,443,122 30,597,827 51,374, ,618, ,026 3,615,852 3,806, ,540 8,595, ,164 3,468,582 3,655, ,000 8,245,146 48,939,424 28,843,857 21,820,868 20,129,562 1,259, ,993,315 49,296,412 29,128,620 22,911,704 34,253,227 52,274, ,863,976 $ 356,988 $ 284,763 $ 1,090,836 $ 14,123,665 $ 51,014,409 $ 66,870, $ 49,278,220 $ 9,000,034 $ 7,493,524 $ 5,236,919 $ 119,020 $ 71,127,717 49,371,482 9,890,520 8,309,435 18,802,319 15,178, ,551,779 8,236,250 3,536,850 1,796,800 2,096,500-15,666,400 8,140,000 3,410,995 1,792,750 2,067,800-15,411,545 57,514,470 12,536,884 9,290,324 7,333, ,020 86,794,117 57,511,482 13,301,515 10,102,185 20,870,119 15,178, ,963,324 ( $ 2,988 ) $ 764,631 $ 811,861 $ 13,536,700 $ 15,059,003 $ 30,169, $ 13,762,549 $ - $ - $ - $ - $ 13,762, ,093, ,093, , ,188 7,829,421 3,015, , ,000 2,726,350 14,468,871 $ 177,178,137 $ 3,015,600 $ 597,500 $ 300,000 $ 2,726,350 $ 183,817, $ 10,906,749 $ - $ - $ - $ - $ 10,906, ,696, ,696,272 1,029, ,029,701 6,072,979 2,498, , ,983 2,617,600 12,357,069 $ 167,705,701 $ 2,498,900 $ 635,607 $ 531,983 $ 2,617,600 $ 173,989,791 ( )

315 2. 3. (1) DV01 Delta Vega (2) 313

316 4. (1) (2) DV01 Vega (1) (2) 314

317 (3) 5. (1) (2) Delta Vega 6. (1) (2) 315

318 (3) 7. (1) A. B. C. D. (2) A. Interest Rate Factor Sensitivities, DV01 PVBP ,

319 1, ,554 6,386 B. Foreign Exchange Rate Factor Sensitivities, FX Delta 1% 1% , ,210 C. 1% 1% , , ,272 11,

320 ( ) ,282 43,420, % 964, % 4,443 95,966,458-1,298,825 29,233.06% 4 127, ,166, % 1,659,278 1,299.56% ,255 16,696, % 312, % 59,887 43,226, % 377, % 6 59,887 2,760 14,458, % 145,213 5,261.34% 1,279, ,934, % 4,758, % 40,942 15,284, % 575,309 1,405.18% 7-1,746,456-17,

321 ,919 33,492, % 858, % 12,826 85,087, % 1,177,351 9,179.41% 4 129, ,959, % 1,243, % ,995 16,336, % 365, % 6 49,679 37,956, % 434, % 5,404 14,948, % 184,686 3,417.58% 1,088, ,780, % 4,263, % 39,256 15,599, % 630,531 1,606.20% 7-2,161,061-13,

322 , , , , ,478 1,251, ,379 1,335, ,894 1,896, ,058 2,204,

323 A ,901,222 11% 2 B ,572,095 10% 3 C ,228,482 9% 4 D ,085,501 9% 5 E ,050,978 8% 6 F ,252,747 6% 7 G ,239,291 6% 8 H ,181,230 6% 9 I ,147,570 6% 10 J ,000,027 6% B ,954,572 10% 2 A ,722,306 9% 3 I ,704,050 9% 4 K ,325,952 8% 5 E ,272,093 8% 321

324 L ,907,900 7% 7 D ,855,695 6% 8 F ,819,371 6% 9 M ,807,757 6% 10 N ,644,128 6% 1 A

325 ,763, ,137,405 4,141,518 24,621, ,664, ,527, ,633,128 60,281,840 21,195, ,637, ,236,757 ( 6,495,723 ) ( 56,140,322 ) 3,426,208 41,026,920 35,675, % % ,953, ,028,199 4,401,458 22,164, ,548, ,343, ,243,929 63,713,243 22,514, ,815, ,610,771 ( 10,215,730 ) ( 59,311,785 ) ( 350,362 ) 36,732,894 28,500, % % ,505, ,431 40,909 8,171 1,672,169 1,344, , , ,225 2,283, ,553 ( 419,823 ) ( 211,295 ) ( 142,054 ) ( 611,619 ) 34, % ( 1,766.10% ) 323

326 ,410,040 76,741 1,811 16,286 1,504,878 1,165, ,234 99, ,000 2,057, ,188 ( 565,493 ) ( 97,907 ) ( 133,714 ) ( 552,926 ) 25, % ( 2,166.98% ) % 0.74% 0.73% 0.64% 13.06% 12.73% 11.33% 11.05% 34.95% 33.08% (1) ,881,437 80,092,042 95,297,874 51,367,144 38,346,907 52,805, ,972, ,811,998 48,379,115 72,372, ,170, ,292, ,708, ,888,285 ( 98,930,561 ) 31,712,927 22,925,414 ( 60,803,731 ) ( 81,946,013 ) ( 123,903,129 ) 113,083, ,438, ,897,040 79,884,556 40,751,607 31,699,709 34,169, ,036, ,097,824 51,590,560 55,866, ,517,387 71,415, ,731, ,975,773 ( 5,659,466 ) 51,306,480 24,017,619 ( 74,765,780 ) ( 39,716,205 ) ( 70,561,850 ) 104,060,

327 (2) ,215,768 2,630,130 1,306,365 1,141,403 1,211, ,713 7,467,521 3,157,495 1,539, ,827 1,197, ,958 ( 251,753 ) ( 527,365 ) ( 232,784 ) 145,576 14, , ,537,675 2,200,168 1,452, , , ,960 5,583,964 2,969, , , , ,063 ( 46,289 ) ( 768,925 ) 480,839 ( 1,513 ) 32, ,

328 ,736,013 33,243, ,504,626 14,018,501 46,240,639 47,261, ,785, ,818, , ,180 14,442,463 14,223, ,759,250 19,804, ,304, ,162, % 13.16% 9.14% 9.26% 9.14% 9.26% 5.50% 5.58% ,690,005 26,238, ,123,625 13,676,786 38,813,630 39,914, ,008, ,547, ,241,600 12,714, ,309,788 10,309, ,559, ,572, % 12.69% 8.25% 8.34% 8.25% 8.34% 4.58% 4.68% 326

329 (1) (2) 12.5 (3) (4) (5) (6) = 23 IFRS 8 ( ) ( ) % 5. 10% 6. 10% 327

330 % ( ) 328

331 B A $ 128,845 ( $ 14,983 ) 12,000-12, , ,434 3,000-3, ,861 8, ,463,169 77,898 95,524-95, ,856 ( 74,264 ) 120, , ,075 5,953 20,000-20, , ,500-5,119-5, ,850-7,485-7, , ,006-2,238-2,

332 / 330

333 $ 2,610, ,376 3,008, ,121 4,231,843 4,404, ,121 $ 8,018,266 5, , , , , , , , , ,

334 $ 288,700 ( $ 921 ) $ 287,779 $ - $ 157,562 $ 1, ,689 - $ 138,779 $ 19, , , % $ 502,848 $ , , % 199, , , % 199, , , % 152, , , % 99, , , % 98,863 ( 1,245 ) , ,912 ( 41 ) 100,871 - $ 1,353,889 ( $ 4 ) 1,353,885-5,290,216 2,496,196 2,217, ,514 1,871,225 1,871, ,689 5,259, ,544 1,298,760 10,404,800 11,055,294 12,363,882 11,055, $ 11,728,749 $ 1,337,989 13,066,738 - $ 25,430,620 $ 11,055, ,

335 ,000 $ 2,492,313 $ 6, $ 2,499, ,500 2,363,819 4, ,368, ,500 2,013,507 ( 27,057 ) ,986, ,500 1,051,021 ( 17,402 ) ,033, , ,542 3, , , ,031 1, , , ,046 1, , ,937,182 ( 34,950 ) 3,902,232 14,026,461 ( 62,589 ) 13,963, , , ,062,598 1,654 10,064,252 10,889,968 1,679 10,891, , , , , ,921 1, , , ,073 2, , , , , , , , , ,403 2, , , ,211 1, , , ,659 ( 345 ) , , ,279 ( 100 ) , , ,227 ( 27 ) , , ,865 ( 364 ) , , ,242 ( 884 ) , , , ,827 4,320,778 7,103 4,327,

336 $ 1,056,451 ( $ 229,264 ) $ 827, , ,583 $ 30,801,168 ( $ 282,998 ) $ 30,518,170 4,145,300 99,913 4,103,

337 ,000 $ 645,137 - $ - - $ 74,264 ( $ 2,017 ) 120,000 $ 568,856 $ 568,856 3, , , ,083-3, , ,727 20, ,122-5, , , , ,367-8,725-11, ,861 15,861 1,096, , ,578 ( 2,017 ) 1,017,519 1,057,265 95,492 1,421,984-77,898-49,656 12,943 95,492 1,463,169 1,463,169 12, , ,983 ( 43 ) 12, , ,845 1,565,855 77,898 64,639 12,900 1,592,014 1,592,014 $ 2,661,857 $ 256,010 $ 319,217 $ 10,883 $ 2,609,533 $ 2,649,279 39,

338 $ 2,335, ,025 12,614 $ 2,548,513 27,822,538 15,950,363 56,465,373 2,080,626 48,780,633 33,277, ,394 43,772,901 58,545,999 82,186,606 21,989, ,340,006 51,554,871 10,782,512 4,952 39, ,677,389 44,571 $ 423,765,

339

340 /F 207 Tun Hwa S.Road,Sec.2,Taipei Tel:(02) Fax:(02) Swift Code : FEINTWTP