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暮猛冀
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1 年度年行六年年

2 理聯理劉理理聯行理金行北路聯北隆路樓北路樓年度北隆路樓六盧易

3 錄年度六年度來略六行立行參理理理理料理更六行理理年露年度年理例六行行理理理行數例利金

4 六理金行年度年數年年歷率練行勞六契年度金例不例理類陸年度益年度年度年度年度六行行狀狀理狀金流量年度年度

5 六理理料理行說益行年度年度六

6 年降易暴兩不易零來累零年零力年金車旅年來金金暴金行金領力略金暴年來行不烈金行金不類理理金行六年行行路行行來行路力行路金來拓行更理益行陸金力金 1

7 年度年度行金金理良行路行行路路年行年率年率年率年率力行金年行金易行便利便利便利行年行率行臨烈行益流益拓金行良陸北北北良行良金金車車車量年車金行金立 2

8 益理度年度略異金利北行聯易便利旅旅益旅年度年拓金率度年禮益料理料理料理飯樂行金暴年流數率年度金率兩列行理行理狀狀狀狀陸聯旅行行金行金行行行行行行行行行行 3

9 金更便行金路理狀狀度狀狀度行路行年理不臨行行率行更便利行聯數領行聯行行便行年度年年理金行金行路行行理數更理利更金益理量更降理數理練更理立理理金金金行益不來拓行理理數易金連行金例 4

10 金金理行六金金行路說理行金行行聯理行年列行利率率易說金理更料金金益說金金說金金度易路行行異理理金類利年行年度益行年度利年度六年易路降利料率降金行 5

11 料異類落理立度行異理利不行異理利落理念金聯金更益行拓金拓聯參利來率便利行料行益度參行狀異度狀良理不落理不理利更數行不行來行數金理理更練理度理更 6

12 更爲理練度金念理不理行良金金金行行率金量理類不路路更便易行益更金拓行略聯參聯六路便利更便利拓路行理率路度路率領立路力行金益行金行行理金理立度金行金率利 7

13 率行行利行行金行年年來年利率參年度利力行年度利率行列力路行金度路來略行六年行行路行來行路力行路金金行來略行力利拓練度落行力路行類易金理 8

14 金行力流念行拓金降金力理拓利拓路易年來來金立立來度金利力立降度理立異金拓金拓聯參利行來金參聯度金拓行立流行行立料切路金益降臨易量練勵度列拓率 9

15 理理列行理拓度金理數來度度理理不落理不理行行金理念理不理行良金理類不不金金路度度金易來降度金理度行行理六年度練練練金金練類練來練行練行理練練 10

16 行數不了行惡劣臨行利力降金數金行路不行金金來度行年行行便利金年不狀不利率利率年易行理良狀良利率益金度年力了行利金率行金暴行不狀了金行行精利率理金異益金金理路金易來 11

17 六力度年年 Moody's 年 12

18 行立六年行行聯行行更聯行六年金聯領北行行六年金六年行行立六年北路年行立六年六年年利年六行年更行金金易金烈更金行行年金金行行率更金行行行金令行行行契年六六年更行率行六年行行行行 13

19 參理行 14

20 理理理料料年金金李金雷金金數年女 15 利歷數數數數率率率率行行理行行金理聯金行行理理行聯金律行復行金隆理車律行隆易鈴利福祿利

21 數數年女利數數數率率率率行歷金 H I 行李金金金金立金行行行 H I 行紐行理理里聯倫聯行理金理北北金行理理理 16

22 金金數年女利歷數數數數率率率率行理勒立理行金陸理 17

23 金 : 95 年 8 14 例 18.48% 15.94% 行金 2.37% 行益金 2.01% 紐行金 1.78% 行 1.25% 行益立 1.24% 1.13% 行金 1.04% 行益金 1.02% 95 年 8 14 例 % % 良 % % % % % % 聯 % % % 良 % % % % % % 聯 % 18

24 行金 ( 不 ) - 行益金 ( 不 ) - 紐行金 ( 不 ) - 行 100% 行益立 ( 不 ) % % % % 良 % 林 % 行金 ( 不 ) - 行益金 ( 不 ) - 19

25 料年立列律領立行立數李雷金李立年行行行行立不年女行行列行行行來理理行理理 20

26 理理理料年數率利年女數率數率歷理金理里倫理立理理劉行行聯金理行聯行理行金理北北金金理理理理理理律理理理理理倫理理數金理紐理律 21

27 數率年女數率利數率歷理理蘭理李律理立理金理行理神理理益理理禮理林北理理林理李麗行理理李羅里立理理律理玲理理律理理理理李玲理龍理行理理理劉理林理藍北理理理 22

28 數率年女利歷理數數率率理李理理理李金行理劉行理行理林北行理紐理行理論行理行理靖行理行理劉行理行理林行理龍金行理立數數理行理李行理林玲行理金行理林行理阮行理行理易行理理行理行理行理立金行理劉理行理行理立理 23

29 數率年女利歷理數數率率行理行理行理嶺行理北行理行理金陸行理行理行理行理李行理行理行理李行理行理良行行理行理林行理劉行理行理玲立行理律行理理行理行理行理林行理李行理行理葉理行理麗玲理行理行理行理金行理 24

30 數率年女數率利數率歷理行理阮理行理金行理行理行理行理行理行行理行理行理劉北行行理行行理行理梁行理北行理行理北行理行理理行理理行理林理行理羅律行理林來行行理來理金行理律行理行理行理行理行理玲金行理蘭行理龍行理麗 25

31 數率年女數率利數率歷理行理玲拉立行理呂金行理瑩行理行理行理行理行理行理理金行理李行理北行理行理李行理行理北行理理金行理呂理金行理劉金行理林行理行理行理聯行理行理劉行理行理林理行理祥理 26

32 數率年女數率利數理年理金金率歷行理李行行理行理行行理易行理行理劉理行理盧行理理行理林行理行理林理行理理行理行理行理理行理劉理行行理沈行行理林益行理行理行理行理行理劉立 27

33 理理金金年李雷金李李立麗行行金勞行行行年度參行年行益例行金行 28 領金利行金利金利金金利金利金數行益例行領來金

34 金行金數金金行行 ~ ~ ~ ~ ~ ~ 2 金年金 AB C (A) 行益勞 (B) (C) 例 ( 5) 行行行行 ( 5) 領來金陸年年 29

35 年年行年度參行年行數行金金行 ~ ~ ~ ~ ~ ~ 30

36 理理金年理金理李理立理理理劉麗理行行 7 金行年度參行年行金利利金行利數金利金金利數行 7 益例 2 行數行領來金 31

37 金行理理金行理理數 D 2,000,000 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 ~100,000, ,000,000 32

38 利理說行年度行理理金益例說金金聯金金行行理理行理理年度年度數年益年度行行行聯行不益見理勞不例年兩車年年良車聯年年年年年年更年年年年年金度 33

39 理年度列列列率數數金金李金雷金金金李金金金李金金金麗金金立金金陸金金金 34

40 列立留見錄立見立見理利行利益參說年度年度例立度行年金立金利行利益參行臨臨行理理行臨力麗李立立理立行行行行行行行行 35

41 行理露行理行理異行理異行益行金金異行理理行行行金行利料行立行行立立行立行行金立行金行良立利理異行露理異行露行理行行露行露行年行露落度說行行露 36 立異立異

42 行理異六行行異行理行理異行數理行理行理易行金易令令異行益參利利行度履行來行理念益理類金行立金履行行理列狀理量行行利行行 () 行金利立立立契度律精神利參立理理落理量來金金見理理益理理行理行 37

43 度行狀露列 38

44 39

45 度露行行行度行年度理理行度行料度令度行列見行理行年度行參行金理參不六年略 40

46 年度露列令年度行易錄行立度行行金理行六易力料露料切行年度露金年度行易錄列金金露年度年年度年不見錄 41

47 年度年理年理玲輪理更六行理理年年度年理理年度數數數數年度數數數數李理理理劉理麗理劉理理 42

48 理理年女理理玲理蘭理葉理理理瑩理林精理理理麗理理理理年女數金例六例料年金數率年女數率利數率六 43

49 金李金雷金金金金李金金金金金立金金金列列例年女利數金 44

50 行行理理理行數例例金 : 理行理理行數例數例數例北金易金行金聯理金理理 45

51 理金理金北略金聯聯 46

52 精不北金樓行 47

53 利數行年金金例行列來年行數金數金來行行金理金行金理金類流行度 48

54 : 96 年 3 31 數量金數 1 1 數例 100% 100% 年數數例金 49

55 數例金 () 金 () 100% 利料年度年年年度年數金利利累利益利 50

56 金利利率行年金行易易年行數年度列列益行年度利累年度露年度累利益年度利年度金利金利利率金利年度六利行利行狀行利行留金利金利金不行年行年度利利利行年度利勞行勞數行年度年度列利 51

57 利年度行年度年度利勞年度利勞行行 52

58 金類金行年度金年度金年度金行行易行行行行利率行年年益蘭益律年金金年度年度履行金金行金行流行年度率類類類類 53

59 年度金年度金年度金年度金年度金行行行行行行行行行行年年年年年益益金行行行行 54

60 年度金年度金年度金年度金年度金行行行行行行行行行年年年年年來來金行行行金 55

61 年度金年度金年度金年度金年度金行行行行行年年年年年金金金金金 56

62 年度金年度金年度金年度金年度金金金六金盧金行行行行金年年年年年益理律金金金金 57 金類

63 58 行行數數行行理

64 六理年理金露率理見 59

65 年度年金行年行行行行行行行行例行行行行金金年更年行路行降益金料金行金路李行理理金理理狀理理理理 60

66 理理理旅行年益度益益益料金行行行行路降率年行行行行行行金金年更兩行路度行路利率益金年六行金行金金行金來利率力 61

67 行年金行金行年率行率金年金金行行金年行年年年行行六利 62

68 理理行金金理益金路行行路路數不理類金金料度北行聯易便利旅旅益更旅年度金金 63

69 金聯狀狀狀陸聯旅行金易金行更金金路行金率理易金路行金行金金路理了易理參理路路行不論行行金度路車金行理金數良臨路行 64

70 行金行不連數金金益理理不金理金理益不行年不不不履金不益不更易行金理量理金老金女金年理理益行金金金金類 ( 金行金率利率行行利 65

71 金理金金行金理行力行兩契年金理金年年度 66

72 年度理利金行行路金落理度爲不理理理利理理練理度爲理理理更更類不行不理爲度行便利金易路降利料率降金行理料料不類良利力來不行異理利落理念 67

73 金聯金更益行率便利行料行益度參行狀異度狀良金立益理度金類益路異拓不路金流立行金理金度易降臨益行金金益行金行行理金 68

74 理立度率金金理金行連不金理行路金行行參行行年行金金理良北行兩行路度行路利率年行行路便利行理念更便行行路金理金年行省狀北北北北 69

75 來狀狀來金行數烈行行益金不理金暴行不狀了金行利率理金異益金金理路金易來年金行不良行行離塞流行金數行路不行金金來度利行省金金數不數利 70

76 行來金行利行行理異精神理禮理金行行行路理念行年流數率行行了金行年行行行利不利利行行行行行金洛來行拉金來金利度理更金益金力行金 71

77 利不利年度金不利行金利不年年利復金理來利殺力行更力金理拓令理行度令理益金年金年益年度年度陸北行良金金年車金行年度略異金利年流數率年度金率兩列金行度度行利力益 72

78 年略來更行不更力金行金行金行金來參金念力料見料理料行金路路路行理行不度領略更異利金路路易易金流路便利立利 73

79 理量路行行金率理降流率理行理理度量理益行略行率略立利路立路降臨易率異略聯金理益益理理度理力更行理金行金路路降臨易例行路理度行路拓路數率來行 74

80 年度料年度年料年度年度年度年度年行 3, 數年年歷率參金數 75

81 金數類年度年度年理理不不北易力律力金力金金識金理金理力理理理理 76

82 易力力理力列力力力行理易年度年行行參練數練數行理練練金練參行年度行金金累年立理年北 77

83 老樂金金館理列行金來力金識益隸益金金益祥行行異異行料 78

84 行年年立數復路料易理率料異行料行行理行連料料料立理料料率料連兩路連 79

85 率行行類列列列列列行行立行雷類行行兩利率兩類行精行行 80

86 利率精理路路行路連連行行連路連行年連行連年路兩理連路行連路連路連行行行連連行路連路年度路更老列行更年度路 81

87 行路率行行路行行路理行行路行行路行行路理來行連理連金行量行立索識力歷料率落行行連理北練更年度利率連行更 82

88 年度行路行路更行路理理行路行路理異路異料異異料落料異異料更料料異路行料異理料料行料料落料行料復料復異異行不利漏洞行行 83

89 路力省理力行行路復便利行路易路路異路利路連異行路路行行路路連行不路路連路路理行路力省理力行行路復便利行路易勞行福利度勞益福利行行 84

90 行勞行行六行不類行行老六行勞立羽行勵利行參陸行福利福利行理福利金福利度行金年行勞立金理勞金精精率金金金勞金例年行勞金例金度留例年例行金率不六勞 85

91 益勞年度勞六契契行契契行金樓北行更行行行行行年度金例不例理類 86

92 陸年度益年度年度年度料年年金金行行列益金年度年料金金益金行行列益金行金金金 87

93 留金益累數益年度料年度林年度見年度留見數列數年年度年度年度料年年年金金行行行行行金留益 88

94 益年度料年度年度林見年度留見益年度益年度年度料年年年度年料 3 利益利益益益益益累數益 $(0.81) 年度料年度林年度見年度留見數 89

95 年度益年度年度料年年年益益益益年度料年度年度林見年度留見數 90

96 年度年度年度年度年年年年年年率率利年率利年力率率益利類率 % 率利益率力益率率益率率率利率金流量率金金流量率流量金流量率流率利利率率率率率說年率若 91 年度益

97 年列力率率利年率利年利年率利年率益益益數利益數利力類率益類率益益率益益益率益益利利行數率率益率率年度年度年度利率年度益年度益年度益金流量金流量率金流量行列益金年金流量率年度金流量年度金利金流量率金流量金流量金流量量列金流量金流量金流數年金流數金利金利累流率行流流率理金率理金率理金率理金量列數年行數金易流數年度年度例行若不累年度利不論利若累利利利不理金行行行 92

98 率列金年行列理理列金類類年列行數 93

99 年度 1 年度率年年年年年 94 年度年率 46,420,518 46,420,518 43,182,407 43,182,407 39,715,627 46,420,518 累累 ,464,276 13,464,276 13,463,074 13,461,820 5,085,201 13,464,276 15,271,236 14,115,413 9,951,639 9,122,517 17,447,928 15,271, ,487 - 類累 (3,788,867) 3,852,743 13,879,247 2,763,742 (8,616,482) (3,788,867) 數益 70,197 75,125 (116,209) 53, ,086 70, 不良金 17,670 17, ,489,616 5,135,551 5,490,549 6,637,491 7,032,683 3,489,616 類 67,930,074 72,792,524 74,869,609 61,946,715 46,964,164 67,930,074 累累金 324,851 2,699 88, , 利益 ,319,431 8,868,644 2,769,025 3,867,050 1,057,419 9,319,431 類 17,795,000 20,350,000 6,410,000 8,880,000 9,000,000 17,795, 累累類 3,489,616 5,135,552 5,490,550 6,637,491 7,032,683 3,489,616 類 23,949,666 24,083,092 3,691,174 6,109,559 3,113,083 23,949,

100 類類 ,879,741 96,875,616 78,560,783 68,056,274 50,077,247 91,879, ,814, ,043, ,372, ,620, ,549, ,814, 量 ,740,400 62,448,425 56,666,288 55,915,600 47,388,000 67,740, ,554, ,491, ,038, ,536, ,937, ,554,473 率 12.32% 13.65% 11.69% 11.15% 10.79% 12.32% 類率 9.11% 10.26% 11.14% 10.15% 10.12% 9.11% 類率 3.21% 3.39% 0.55% 1.00% 0.67% 3.21% 類率率 3.94% 4.32% 4.22% 4.89% 6.09% 3.94% 說率若若露率 1 年度 2 行理行說列 3 行 4 年列 1. 類類類率 4. 類率類 5. 類率類 6. 類率類 7. 率 95

101 年度六年 96

102 年度年度六行年度年列行狀 97

103 狀理狀狀年度年度年度金異益益益年度年度年度金例利利利益利益益利利益利累數利 98

104 例說年度益金流量年度流年度年度年度例金流量率金流量率金率率數來年金流金年來年金金不金流量不數金流量理年度金來金金 95 年度 96 年度 97 年度 98 年度 99 年度 100 年度行金 , ,641 80,000 96,000 36, 北行金 , , , ,000 69, 金樓金 ,679, , , , , 金金金理北金金金理 99

105 金金理益行省金益立金來金 95 年度金 96 年度 97 年度 98 年度 99 年度 100 年度行金 ,110, 行度度益降理率年度利來年行歷年來金金金六行立金行金六行金立度不金利行金年數易 100

106 列益列益量來行年六數易利益列益列益六理行理行理行理理立理略行理年理略流理行狀理理行理略理理流理力理理立行理行狀異列理行理行狀立行量行理行理量暴量露行流 101

107 理說行來金易履行金契易類略流行理立良理行類行行行理行略行立行行理金契行量理理理度立理率行理來立更精量理金率行金略流行理切識量行理行理理理行利行 102

108 行金易行理理理理行金行流利率理略利行量理益理度來數量金理略流行行易行易暴流略流行流理流落流理行力數量理理金流量狀流流行流理略理行行流臨立利理量流量利率理度流理立不利流立 103

109 不流律不略略流行理行理率理降度行理行理略行識行立理行理行理行理行理行量立量理例行理理金理來金理立量行年 2 數行行利率連宅不料 104

110 數行宅利數年易金料年利率益易理料 12.5 行 105

111 95 年 1231 金金金年年 1,057,728, ,694, ,104,000 75,703,000 34,070, ,157,000 1,315,169, ,019, ,537, ,847, ,059, ,707,000 (257,441,000) 383,675,000 (137,433,000) (154,144,000) (255,989,000) (93,550,000) 行 ( 不 ) 金金金 95 年 1231 金金年年金 8,246,875 2,370,421 1,900,511 1,457, ,011 2,170,520 金 9,645,811 6,249,750 2,007, , , ,526 (1,398,936) (3,879,329) (106,964) 745,712 (64,349) 1,905,994 行金行金金說金列不行行露流金流理流流流金流金流金領利行金流行流行流金不理臨理立諸不金行金流行行金金流 106

112 金金金流聯行利率勵降度率行流量例率行流行率行率理臨論行理率不行行降良良降行金金來來行行例度來領金量理行立行行金金理益行理金行金理來行列不金金行累不行行 107

113 行金行不行行金行理行行理律行金行年年立金年行年立金金金金行行行理行理行理行說理律精神行理行理露行理塞理例年行金立行理金金年金理更金理金易行行金易行理行拓金理不理不行律 108

114 行行量不行利路行行路塞行理金理識行更率年來行行狀行行行益不力金年來行年度樓來行行金力度度累年金年金行行金行行聯便利行量行行度見理理行理理理行理行行行年行數留力力 109

115 度行串聯行論不論行立行六年利數龍列異行勞律年北行利行行行行行益行異行度行履行益益六行益行益率拓力降益率理益行金行略不不行狀力理行略行量了力行度令 110

116 落益益烈樂度臨略行臨理臨參令令異福利落落令行理料練行流理易錄行落練行年度年行六年度行利金來六行聯行 111

117 行六行領行行不利更行行不年行理年度行行行行不理行行行年行理年行利行不年度行行度金行行理理理行行年行行理年連行利行聯來禮行行益陸行利行行行北行不理行北年行行金年行 79,000 行 54,029 年 112

118 理理行降行金復行理行料力連練練連金復立行復六六金錄行錄理理金金金 113

119 領金車錄行錄理連理理行不理料復金理復理降利率年利降立度理復利便理量料行行 114

120 益金易不易易行易六不力理不力易易理理行行金量力連不度立理理行立狀了不利行不流不說行行若不理立行理 115

121 行立狀行不益行行力連力理若行力度行行行列行行連行行行行行行數參留理數不便益金力度金力若行理列行立行列行 116

122 行理說益行力金度金理行理行若行理理不流行流理行流理行立臨金理理理行流落流理行行金流金狀金利金易金易金來良金金金行行金金流利率行金金行 117

123 行行行行行金行金金行令例流率行理流流理若立行狀行來行行立異復流流行流行例行理金行行行落行類行行立行 118

124 行行契理立連立異異更行行理行行金立理行行不沈年車類車立切行理立理利行立離料 119

125 料六年度年理年度年行說年度年易六益 120

126 行行 121

127 行北路樓館行北館路路行北路行路行路北行北路行北路行路行北路行北林路行路行路行北路復行北路行北路復行北路行北路行北路行北路行路林行林路行北路行北路行路行北路行北路行林路行北羅福路行北路行北路行路 122

128 行路行北路行北隆路金行金路北行北路行北路行路樓行北北路行北路行北路行北路行路行路北行北北路行北復路行路行林路行路行北路行北路蘆行北蘆路行北行北路行路行路行北路行路行北北路行路行路行北路北行路行路樓林行北林路 123

129 行北路行北路蓮行蓮路行北路行北路行復路行北羅福路行北路行北路行北路行路行路行北路行北路蘭行蘭路行北路六行林六路行路行北路樓行金路行北路行行路行北路行復路行路樓行路行路行路行北林路行北路行路行北路行路福行北福路 124

130 行路北行北路行北路行路行北路行北路行北路北行北路易行北路易行北路行行路行路行路行路行路行行行路行路行路行路行路行路北行路行路北行北路蓮行路行路行路行路行路行路行路行路行路 125

131 鹿行鹿行里行里路北林行林路易行路行路行路洛行行樓樓拉來金行來金行隆行路樓 126

132 行 127

133 128

134 行臨錄六年北路行行樓李雷金李李立列金李劉理理理李理律錄略論行理說行金烈利洛行利來洛行行參落北易數易金論論李行便利便利神行異金理理理理理理行理理蘭理復行理劉理行理復行理行理林行理行理行理福行理行理理福行理復行理理行理李復行理理行理行理林玲行理行理行理行理李益金理易行理 129

135 行理行理易行理行理館理聯理林行理理行理行理林精行理行行理林行理行理行行理行理行理行理龍行理行理行理行理麗行理行理行理行理金行理行理行理行理蘭行理行理行理行理行理金行理行理行理金行理行理行理行理理行理李行理行理行理理劉行理北行理理北行理理行行理北行理理北行理聯理理理理理藍理理理理理理李理六略行行錄六年北路行行樓李雷金李立立列金李劉理理林理理錄略論行年度行行年度理 130

136 行年度行年度行六令更行行行度理理行度理行金金金易度度流理理理行理理行更行理金行金易度行行金理立理理金年理行金金 131

137 六六聯行度易聯行度易行金利行年金行利行行行金行行連連行神路路行利神理理理易行北行北北路樓車行異行理理金理金理金理金理行路行更行金行理劉行理行理行路行理玲行理行理劉行行理林行理行理來行理行理行理六略 132

138 行行錄六年北路行行樓李雷金李立列金李劉理理理錄略論行行行理金益行金行行行行六易行行易行六易行行利行行說六行行行神年度路省行行行理行行理 133

139 理行北北路樓不不行利金金行金金行金易度金度金金度金度金金年行異立金金理金理金理行理理行理六易行理行理理羅六易行理行行行理年略行行臨錄年北路行行樓李雷金李李李立列金劉理理理錄略論行論行行行年行行行金理行行 134

140 行行更行金六行金行理行行更說行利易理行理行理易行力利利立行論行略行行錄年北路行行樓李雷金李李立列金李劉理理林理理錄略論行論 135

141 行年理行行行行金行理行行理六行理流理行更行令更行行行度行理行金理令行行行北金樓列行行金理理行行樓行行行 136

142 行行更六聯行度易行聯度行參金度易聯行諾參度度易行金利行行行理理金行利金金金金行金易度金金金金年行利易行行金行北行行行神行行利神行六行行行 137

143 行行行行北行北北路樓金益行陸類立行行益聯行益行料行金易度金行異金行理行理行理行理金理行理行理行勞契北行理行理行行理略行六行錄年北路行行樓李雷金李李立兩列劉理理理理隆理錄葉若略論行論 138

144 行行行行契行行行行行行行行行行行行六行理行行利理金行金量金理行利易理列行神行錄略行異行理金理行行理行行錄年北路行行樓李雷金李李李立列金李劉理 139

145 理林理理錄葉若略論行年年度理行行行行理行度理行年度度行塞料六行年度塞行行行福易金理行福易金理行洛行聯行來行北行行行行行行金異行路樓樓理旅 140

146 料聯行參金度參說行金利行契行行六行利金金金金金金六金行金易度金拾金拾金拾金拾金拾金拾金參年行利易行行金行年行利年利利李立行論行路更行利神年行利神禮行落館行行落北隆路樓樓樓車車 141

147 不不金行落不不金行行行樓理理六行利易理易行年度北理金數利行論行異行理瑩行理易行理李益行理館行理易行理理行理行理良理行理劉館行理易行理館理行理呂易行理略行行臨錄年六北路行行樓李雷金李李李立列金李理理林理理梁 142

148 錄葉若略論金理劉行理金行理行理行金理金理行金利見行論六行列金館金聯金金金行行行拓理更力聯行諾參度易易說金金理金六 143

149 行利行論金樓錄略行行錄年北路行行樓李雷金李李李立列陸金李理理理林理理錄葉若略論行年度行年度行年度行年度行年理六行金理令更行行令度行度理理 144

150 行理理行類行金理金理金利率行利率行行金理行更理行行金例不例行益行行說行行行行利易行行金六行落北北路樓不不金行利神行利神行利神行利理行金樓理 145

151 行金樓北行金樓金流行利率年度行異理金行理靖離金理李玲理金行理行理李行理行理行理行理行理北行理理理行理劉北行理行理行理行理行理易行理金理行理李益易行理易行理金理行理易行理行理行行理行理略行行臨錄年北路行行樓李雷金李李麗立列陸金理林理理錄葉若略論行年度行參 146

152 行理行理行理六行聯行理行不金行北行北北路樓車聯行參金參金說略行行錄年北路行行樓李雷金李李李麗立立列金李理理林理理錄葉若略論行年度行林兩 147

153 年更兩年度行年度理林行年度六行行行度行度行利易理金利易行理行理理行理行金易度行行理類列行易理六立來力行說 148

154 行行理數理行金利理見利行行行行落館行不林宅不不不不不金行行不行不金六行行不行不金不契行行 149

155 行金利易理列行神年度路省行金利易理行神利利行金略李行理理理理理理理理理理理金理理理理李理金理理理理金理劉行理理行理理呂復行理金理理理館理理理理行理玲理理行理北行理北行理北行理北行理行理行理行理行理林精行理行理行理北行理林行理林行理北行理異略行 150

156 行年度 151

157 152

158 行年年年年益年年金金 $27,751,092 $29,450,099 (5.77) 行行.13 $99,870,957 $70,825, 行行.2 48,860,554 49,970,575 (2.22) ,532,530 25,014,534 (9.92) 列益金.3 57,046,262 49,271, ,628, ,041, ,786,058 1,192, 列益金.16 55,396,700 50,412, 金.4 53,972,357 41,723, ,661,740 33,864,935 (30.13) ,804,664 65,418,677 (25.40) 行 816, ,500 (0.52) ,723, ,014, 金 ,135,818 18,756,296 (3.31) 金.7 5,636,310 8,352,445 (32.52) 金 , , 益 -.8 2,334,860 5,115,939 (54.36) ,785,533 2,085,417 (14.38) ,827,555 24,743,550 (3.70) ,105,603, ,132, ,337, ,992, 金.11 4,447,387 4,771,050 (6.78) ,217,714 7,044, ,420,518 46,420, ,464,276 13,464, 留 ,271,236 14,115, (3,788,867) 3,852,743 (198.34) 益累數 70,197 85,432 (17.83) 金益 704,223 (10,307) ( ) 益 72,141,583 77,928,075 (7.43) $1,177,745,558 $1,074,061, 益 $1,177,745,558 $1,074,061, 參理林 153

159 行益年年金年度年度利 $40,522,476 $39,491, 利 (17,008,765) (12,912,354) 利益 23,513,711 26,579,510 (11.53) 利益益 4,525,937 5,456,327 (17.05) 列益金益 (391,915) 351,846 (211.39) 金益 498, ,453 (16.76) 金益益列益 65, ,726 (68.33) 益列益 1,295, 益 442, , (258,622) (773,968) (66.58) 利益 399, ,602 (57.17) 益 489,626 (676,988) (172.32) 利益 (48,030) 399,944 (112.01) 7,019,087 6,859, 益 30,532,798 33,438,955 (8.69) (25,750,139) (14,962,133) (4,533,068) (5,733,047) (20.93) (1,288,757) (1,236,202) 理 (5,879,380) (6,394,830) (8.06) (11,701,205) (13,364,079) (12.44) 利 (6,918,546) 5,112,743 (235.32) 利益.25 2,403,000 (1,260,000) (290.71) 利 (4,515,546) 3,852,743 (217.20) 累數 726, 利 $(3,788,867) $3,852,743 (198.34) 利 $(0.97) $ 累數利 $(0.81) $0.83 參理林 154

160 行益年年留益金累數益年 $43,182,407 $13,463,074 $9,951,639 $13,879,247 $(11,556) $(104,653) $80,360,158 年度 - - 4,163,774 (4,163,774) 金利 (6,467,362) - - (6,467,362) 利 3,238, (3,238,111) 利 (8,000) - - (8,000) 勞 (500) - - (500) 利 (1,000) - - (1,000) 福利金 (500) - - (500) 年利 ,852, ,852,743 益 ,988-96,988 益列益數 - 1, (10,307) (9,105) 益列數 , ,653 年 46,420,518 13,464,276 14,115,413 3,852,743 85,432 (10,307) 77,928,075 金益數 , ,343 年度 - - 1,155,823 (1,155,823) 金利 (2,695,420) - - (2,695,420) 利 (1,500) - - (1,500) 年 (3,788,867) - - (3,788,867) 益 (15,235) - (15,235) 益列益數 ,851 3,851 金益 , ,336 年 $46,420,518 $13,464,276 $15,271,236 $(3,788,867) $70,197 $704,223 $72,141,583 參理林 155

161 行金流量年年年度年度金流量利 $(3,788,867) $3,852,743 不金流量益 1,288,757 1,236,202 益列益金利 88, ,209 益益 (1,295,287) - 數 (399,895) (933,602).6 25,750,139 14,962,133 益 (546,115) 677, , ,968 率 (15,428) 12,000 累數 (726,679) - 4,974,828 (11,698,668) (2,301,580) (1,872,528) 列益金 (7,480,170) (102,711) (280,093) 60,544 (2,469,964) 7,690,285 列益金 5,433,948 4,199,521 (12,040) 159,447 (317,862) (71,067) 金流 18,161,144 19,066,245 金流量 (56,650,449) (42,152,777) 行行 1,110,021 5,626,807 (593,806) 5,657,098 金 (11,548,491) (15,636,827) 金 2,714, ,171 益 (53,873) - 益 3,878,735-1,734,535 1,062,352 (1,424,541) (1,159,681) (62,944,600) 5,680,579 金 (332,941) 2,461 (328,228) (419,357) 金流 (124,439,521) (41,220,174) 金流量行行 29,045,649 (9,354,207) (10,203,195) (15,389,420) 88,586,819 48,753,340 行 (4,250) 24,875 金 (620,478) 16,406,297 金 446,067 (307,551) 17,979 16,829 金利.22 (2,695,420) (6,467,362) 勞利利福利金.22 (1,500) (10,000) 金流 104,571,671 33,672,801 率數 7,699 71,034 金金數 (1,699,007) 11,589,906 金金 29,450,099 17,860,193 金金 $27,751,092 $29,450,099 金流量露利 $16,500,362 $11,856,950 $2,861,772 $1,208,219 金益 $163,250 $- 利 (109,377) - 金 $53,873 $- 參理林 156

162 行年年金行說行六年立六年行行金金行理理理理狀行理理理理理理理金金理理行利利行金理理旅行理理金理理理金 157

163 理行理理理行行易年金行行行金令年行行更行行年年數說行行行說行行行行行聯行來益易行行易金列益易率列率益列益率列益量率列益列益列益列益若量易歷率量 158

164 行行益率列益累數益累數列益金金行年金理行行金類列益金金金量金類金列益金金量金金金列量量列益金金行易行易例金金易行金理金理列益金金列益金金易金列量列益金金量列益金行金行力金量列列益列金金列金金異數利率累金金行金流量利率量金 159

165 易行金金類利率量列列益金金類金金金量利益金益列列益金列累利益列益金列金金利利列益量金量益力益連益列量金行金量列益金金量若益金參金金行利利率金易類金列量 160

166 不金列益列列金列金行金金利列金金行金金金行易利金金行金金列金行不金行金列列益金行金不量金量金若量金金金來金流量利率金降金列益列若金列列金金不金列金列益量金 161

167 若益益連益行列金來金流量類金率金不金金若行列益累金列益金金金金金列益金若金益金不列益列益金若列列利益 7. 列類 (1) 列列諾 (2) 金流量金流量列度易益 (3) 率行列金利率理行理略易行度行度 162

168 列理利益立列益金利益立列益列數利率列益列數列行 (1) 行 (2) 不 (3) 行 8. 行參令列益例力益年年若不年行若年流例若零列利益益益例列益 163

169 10. (1) 更良列理理列累累列益 (2) 列年數 8~60 年 3~ 6 年 3~ 6 年 3~10 年若列年列年列 11. 力路利金年金益年 12. 若列列 13. 行理行金金列金若 ( 不 ) 年度列 164

170 不金若金不列列利益列益 14. 履參令列 15. 理行利益若行利益列累列金行金年行勞立金理勞金率金金金金勞金行離勞金例年行勞金勞金例金度留例年例行金率不六金數列行金理 165

171 精列金列年年年年利列利列利列列利列益利利利量列益金金利列益益年度金利列年度金利列益金利累數利年度益累數利列若利不列益數行理異數列異數列金例年行行來年度量年度列年度行理 166

172 理理列理行利行列行金行連 20. 諾行諾若金理列金若理金露理行年理理理行年年度利不益行金年金理六金露理金理行量金金類量列金量列益金列累數量金量列益金 167

173 量行易歷率量列益累數數列列益累數列益金金列益金金累數年度年年度行行類列說金易易率列益率列益列利率利率易金不易易金錄易利率易來利異列易利益易利率易金利率利率利列利利 168

174 易利易不金率利金利率利率利列利易易易金錄利金列易利益列益履益數列益易 () 金錄金列益履列益易益益利益 (2) 行類不列列利益金益易理 (3) 例 () 力益年金量列例 169

175 () 復利數不列益率若金累數列益若不 (4) 金金行連利率連行年年度類 94 年 ( 類 ) ( 類 ) $217,952,751 $- 63,450,216-4,509 - 金 68,456,296 18,756, ,542 - 列益金 - 49,271,058-1,192,252 金 - 41,723,494 金 - 8,352,445 益 - 5,115, ,992,551 量金 - 4,759,737 列益金 - 50,412, 年度 ( 類 ) ( 類 ) 益利益 - $914,499 $- 益 101,

176 益 (54,337) - 列益金益 - 351,846 金益 - 599,453 益列益 - 205,726 - (351,042) 利益 - 155, 行年念益理理不理行不行年度說 1. 金金 95 年年金 $10,650,181 $9,794,346 10,184,578 9,303,740 6,916,333 10,352,013 $27,751,092 $29,450, 行行 95 年年 $18,120,089 $21,071,779 行金 30,740,465 28,898,796 $48,860,554 $49,970,575 行金金行率行金年年金 23,512,

177 21,380,682 金不率金金不年年金 48, 列益金 95 年年易金 $5,613,609 $2,125,385 金益 1,718,564 2,324,260 行 15,241,030 9,800,087 25,458,013 33,047,616 金 1,466, ,040 金 5,998,705 4,510 55,496,167 48,023,898 列益金金 1,394,400 1,247, ,695-1,550,095 1,247,160 $57,046,262 $49,271,058 (1) 年年金 155,695 2,405,108 (2) 年金 9,765,400 金 9,746,341 ( 列 ) 陸六年 9,753,463 年金 32,404,300 金 33,864,935 ( 列 ) 陸年六 33,930,203 金列列益金金 172

178 金 (3) 行年年金易 ( 易 ) 金 ( 列量列列益金金 ) 露 ( 金 ) 95 年年 $9,183,556 $4,122,206 利率 9,498,594 4,548,914 利 559, , , ,116-6, ,000 - (4) 年度列益金利益 7,034, 金 95 年年 $5,924,567 $4,359,068 金益 203,514 31,846 47,356,359 36,682,206 金 487, ,374 $53,972,357 $41,723,494 (1) 年年金 234, ,240 (2) 年金 12,780,900 金 13,915,399 ( 列 ) 陸六年 13,947, 年年 $41,026,203 $59,631,793 利 4,312,238 4,093,

179 連 1,430, , , , , , , ,679 1,618, ,927 50,865,421 66,511,058 (2,060,757) (1,092,381) $48,804,664 $65,418,677 年年度 95 年度 $837,652 $254,729 $1,092,381 列數 11,867,436-11,867,436 數 (11,177,382) - (11,177,382) 數 278, ,418 類 136,489 (136,489) - 率數 - (96) (96) $1,942,613 $118,144 $2,060, 年度 $568,542 $289,087 $857,629 列數 3,016,538-3,016,538 數 (3,007,182) - (3,007,182) 數 224, ,354 類 35,400 (35,400) - 率數 - 1,042 1,042 $837,652 $254,729 $1,092,381 行料不來來

180 95 年年 $837,160 $691, , , ,380, ,500, ,616, ,266, ,026, ,987,236 列 8,153,941 7,673, ,606, ,784,096 (15,883,008) (15,769,322) $658,723,594 $616,014,774 (1) 利年年金 11,536,703 9,122,549 年年度利 208, ,837 (2) 行年年度行 (3) 參.8(2) 說 (4) 年年度 95 年度 $4,361,576 $11,407,746 $15,769,322 列數 6,582,703 7,300,000 13,882,703 數 (19,657,142) - (19,657,142) 數 5,889,241-5,889,241 類 5,838,560 (5,838,560) - 率數 - (1,116) (1,116) $3,014,938 $12,868,070 $15,883, 年度 175

181 $4,176,079 $1,851,800 $6,027,879 列數 2,945,595 9,000,000 11,945,595 數 (7,761,512) - (7,761,512) 數 5,552,642-5,552,642 類 (551,228) 551,228 - 率數 - 4,718 4,718 $4,361,576 $11,407,746 $15,769,322 行料不來來 7. 金 95 年年 $3,663,800 $3,904,318 $4,997,611 $5,301,648 金 1,739,444 1,734,010 3,050,797 3,050,797 5,403,244 5,638,328 8,048,408 8,352,445 累 - (2,018) - - $5,403,244 $5,636,310 $8,048,408 $8,352,445 年年金 2,314,641 84, 益 95 年例 (%) () 益 $40, $3, (144,883) 理 92, ,731 理 9, ,698 Indovina Bank 753, ,103 理 19, ,707 金 1,375, ,859 8, , ,529 2,334,860 $65,150 聯利益 - $2,334, 年

182 例 (%) () 益 $52, $20,118 2,267, (14,743) 710, (7,091) 理 123, ,035 理 10, ,808 Indovina Bank 537, ,569 理 15, (36,213) 金 1,391, ,833 8, (2,214) 29, ,624 5,147,783 $205,726 聯利益 (31,844) $5,115,939 (1) 行行益 (2) 行年度.2(14)(15) 說 (3) 行年年理行年年度行 Indovina Bank ( 年度益 ) 行金不行年年度 (4) 行列益年度益列行列不年年

183 $13,170,606 $14,007,206 8,903,787 9,167,742 3,769,478 3,453,194 61,260 66,149 4,400,524 4,473,552 1,047, ,605 31,353,480 31,959,448 累 (2,059,452) (1,914,517) (2,626,810) (2,568,146) (49,518) (46,799) (2,753,354) (2,608,770) (7,489,134) (7,138,232) 累 (36,791) (77,666) $23,827,555 $24,743, 年年 $400,000 $400, ,865, ,535,000 金 50,190,092 39,176, ,455, ,111,107 累 (117,941) (118,556) $234,337,151 $170,992,551 年年 14,830,000 14,600, 金 95 年年量金 $4,443,561 $4,759,737 3,826 11,313 $4,447,387 $4,771,050 行量北金樓略金 178

184 行例列年六年理年度行例列年年 $262,553 $462,730 38,434 57,483 行金 1,301, ,763 1,219,739 1,086,648 (95 年 94 年累 294, ,260 ) 金 1,119, ,804 1,000, ,002 4,756,785 2,455, , ,923 42,100 - $10,217,714 $7,044, 行行 95 年年行 $189,959 $161,501 1,527,972 1,595,418 29,079,558 34,089, , ,421 68,904,368 34,808,702 $99,870,957 $70,825, 年年 $12,082,684 $14,268,229 利 3,979,163 3,587,310

185 2,045,688 2,247,423 1,075,342 - 連 - 2,245, , , , , , ,456 1,432,488 1,343,759 $22,532,530 $25,014, 年年 $14,626,150 $13,744, ,617,103 93,343, ,891, ,542, ,619, ,724,934 3,115,300 6,237, ,361, ,815, , , , ,601 $882,628,725 $794,041, 列益金 95 年年易金金 $6,229,982 $20,618 - (1,665) 691,924 列益金金 39,171,613 39,700,000 金 9,996,770 10,000,000 49,168,383 49,700,000 $55,396,700 $50,412,542 (1) 年行行金 10,000,000 行年行 5,000,000 年利率 4.15% 年年行 5,000,000 年六利率利率 180

186 利率年金 ( 金利 ) 行行年行行金 25,000,000 行年六行 5,000,000 年六利率利率年年行 3,200,000 2,700,000 1,800,000 年利率利率利率利率 (specific structure rate) 年年行 2,000,000 六年利率利率六年行行金 25,000,000 行年行 1,000,000 3,500,000 2,000,000 1,000,000 年年利率利率利率利率 (specific structure rate) 六年六行 2,500,000 1,500,000 1,500,000 2,500,000 1,500,000 2,500,000 1,000,000 1,000,000 年年利率利率年行 2,000,000 1,500,000 年利率利率金 ( 金利 ) 行行金 (2) 年度列益金 7,426, 金 95 年年

187 金 $18,675,000 $18,760,000 金 (106,218) (3,704) (432,964) - $18,135,818 $18,756,296 行年行金 10,000,000 行年行 2,350,000 年利率 2% 年年行行金年利率 5.5% 年年金理.9 說金 ( 金利 ) 行行 18. 金 95 年年金 $463,562 $- 金 312, ,510 $775,722 $311,510 年金 463,562 年度 84,451 列利益年年 $97,181 $325, , ,785 28,668 28, , ,048 金 707, ,517 20,035 20,035 $1,785,533 $2,085,

188 年行 43,182, ,318,241 行年行行 323,811 46,420, ,642,052 行年年 $9,199,927 $9,199,927 金 4,249,096 4,249,096 15,253 15,253 $13,464,276 $13,464, (1) 行年益列利勞利福利金年年益列利利 (2) 年數行金不 (3) 行年年行年度 (a) 1,155,

189 (b) 利 2,695,420 (c) 利 1,500 年度 (a) 4,163,774 (b) 利 9,713,473 (c) 勞利福利金 2,000 年度 23. 金 (1) 年年度金 95 年度 94 年度 $91,791 $48, , ,825 利 55,144 93,650 金 (31,546) (86,686) 數 57,572 32, , ,287 $291,125 $315,542 (2) 年年金狀金 95 年年 $(951,125) $(790,898) (160,911) (100,555) 累 (1,112,036) (891,453) 來數 (716,088) (684,088) (1,828,124) (1,575,541) 金 1,009, ,328 狀 (818,149) (674,213) 列 118, ,826 列金 ( 利益 ) 697, ,666 列金 (99,265) - 金 ( 金 ) $(102,060) $10,279 精 184

190 年年率 2.75% 3.5% 來率 2.00% 3.0% 金率 2.75% 3.5% 年年行 1,433,055 1,113,941 行年年度 95 年度 94 年度 $3,512,887 $4,697, , ,492 金 291, , , ,171 1,094,223 1,012, , , 利年利金理利理金行數年度年度金利行年度利年度金行金 () 連列 22 理理 (1) 年年度利益 () 異說年度 94 年度

191 ( 率 25%) $- $(2,751,393) 離利 ( 率 20% 6%) (348,154) (161,845) 利益 () 數 250,894 2,358,877 (100,115) (233,401) 益列益 (12,790) (7,536) 29,553 27,426 (576,755) (283,806) 10% - (70,458) 2,731,475 - 行數 (94,896) (69,287) 數 663,013 (68,577) 利益 () 2,542,225 (1,260,000) 累數利益 (139,225) - 利益 () $2,403,000 $(1,260,000) 行來數不率 (2) 異 95 年年異聯 $- $23,481 金 5,852, , ,242 異數 11,007,042 10,003,465 75, ,144 聯利益 - 18,475 金數 75,809 75,809 金 5,529,351 - 列 231, , , ,949 ( 年度年 ) $10,925,898 $- 行 $51,729 $51,732 (3) $7,124,206 $2,775,943 (1,506,860) (36,931) (860,561) (283,806) $4,756,785 $2,455,206 (4) 行利年度 186

192 (5) 兩 95 年年 $412,069 $162,284 年度 (3,788,867) 3,852,743 年度行利率年度率金利 1.04% 年度率利 3.28% 行年度金利率 13.98% 26. () (1) () 利 () 流數 95 年度 94 年度流數 4,642,052 4,318, ,811 流數 4,642,052 4,642, 年度 94 年度利 () $(6,918,546) $(4,515,546) $5,112,743 $3,852,743 累數 587, , 利 () $(6,331,092) $(3,788,867) $5,112,743 $3,852,743 ()() 利 () $(1.49) $(0.97) $1.10 $0.83 累數利 () $(1.36) $(0.81) $1.10 $0.83 (2) 金勞利福利金 94 年度 93 年度利福利金 $1,500 $1,500 勞 - $500 ()() $0.83 $2.99 年度益利福利金勞年度流數易 187

193 1. 行金行行金行金行金行行金行金行金理行金金理金 Cathay Insurance (Bermuda) Co., Ltd. 理神 () ( 益年數 ) ( 益年數 ) 金行 95 年 4 11 數理益金益益 Indovina Bank 益理益理益益益北行金行行金理理 2. 易 188

194 (1) 95 年年度 94 年年度利利金 () 金 () $2,120, % $31,375 $1,670, % $21,925 理 130, % 3, , % 4, , % 9, , % 8, , % 9, , % 15,002 $2,926, % $53,977 $2,582, % $50,134 $4,729, % $(100,348) $3,655, % $(178,958) 金 3,753, % (174,414) 4,117, % (182,873) 1,065, % (14,376) 693, % (8,357) 977, % (17,917) 2,629, % (28,725) 809, % (6,570) 690, % (5,424) 518, % (4,447) 4,174 - (4) 金 135, % (2,276) 107, % (1,330) 118, % (167) 37,756 - (312) 3,012, % (40,340) 3,287, % (31,074) $15,120, % $(360,875) $15,222, % $(437,057) 95 年度 / 利 () 利率 Indovina Bank $768,544 $111,784 $26, % 行 1,500,000-2, % Indovina Bank 162,927 6, % 行 80,607 13, % Indovina Bank 103,926 38,995 (550) % Indovina Bank 257,371 19, 年度 / 利 () 利率 189

195 Indovina Bank $689,220 $588,951 $19, % Indovina Bank 504,231 24, % 行 43,676 21, % Indovina Bank 24, Indovina Bank 34,275 26, 行 28,222 15,262 (4) % 行行利率利率易異 (2) 95 年度 Indovina Bank $157,454 $- $7 行異 (3) 易 95 年度 / 利 () $4,462,438 $(47,401) 1,136,573 (14,431) $5,599,011 $(61,832) 金 $- $10 94 年度 / 利 () $3,401,736 $(3,536) 862,705 (10,524) $4,264,441 $(14,060) 金 $49,904 $2,005 (4) 190

196 95 年度 94 年度金 $559 $447 金 1,000 1,000 北 6,196 5,707 5,028 6, 行 1,878 - 金 248, ,969 13,314 13,884 11,294 6,670 金 95 年年 () $33,393 $43,393 63,017 65,845 2,635 3,395 金行金金 95 年年 $1,238 $1, 易行異金契理 95 年度 94 年度 (5) $433 $588 49,409 96,000 3,130 1,614 20,873 - (6) 397, , , ,

197 69, ,395 行 5,033 1,824 神 270,735 27,041 2,400-7,484 7,200 4,514 - 理 (7) 225, ,014 55,596 39, 年年 (8) 連金 $1,430,294 $571,606 (9) 金利 218,761 - (10) 金 39,292 2,229 (11) 16,259 42,441 (12) 連金 - 2,245,837 (13) a. 行年年度行行 90,623 3,820 列 b. 行年年度理 17,146 17,822 列 c. 行年年 192

198 行利易契金金金 1,927, ,000 d. 行年年度神 88,713 45,104 列 e. 行年理六金行易契金金金 55,974 81,383 f. 行年度館 300,334 () 308,037 列 7,703 列易 g. 行北行聯年年利金 103,125 2,865 易異行易行易率不列列 (14) 行金年數 64, , ,275 ( 易 2,132 ) 28,179 列益列益 (15) 量來行年六 15.9 數 200,000 3,180,000 3,170,460 ( 易 9,540 ) 1,846,994 利益 1,323,466 列益列益 193

199 六說諾年行列諾列 1. 理 $262,256,972 旅行 657,094 45,673,034 理錄 345,264,800 履金 17,141,844 狀 2,545,146 不諾 28,780,105 諾 283,220,679 念 1, 年行 (1) 六年度行利金 ( 來 ) 六行 ( 聯行 ) 行六行領行行不利更行行不年行理 194

200 (2) 年度行行 24,000 行行不理行行行年行理年行 9,447 利行不 (3) 年度行行度金 60,204 行行理理 39,900 理行行年行行理 (4) 年 ( ) 連行利行聯來禮行行益陸行利行行行北行不理行北年行行金不理 (5) 年行 79,000 行 54,029 年行年度列行不不利 195

201 3. 年 2,923,595 1,047,825 列 314,500 行行行.4 說金露年金列益金 $51,047,557 $51,047,557 金 53,972,357 53,972,357 金 239,973, ,012,859 益 2,334,860 2,334,860 金 791,493, ,493,225 列益金 49,166,718 49,166,718 金 18,135,818 18,135,818 金 1,030,529,858 1,030,529,858 金 1,343,791 1,343,791 金 2,324,366 2,324,366 1,396,926 1,396,

202 利 864, ,992 (2,372) (2,372) 9,462 9,462 61,076 61, , ,714 金 2,325,802 2,325,802 1,650,637 1,650,637 利 1,548,741 1,548,741 利 445, ,572 8,513 8,513 28,624 28,624 (59) (59) 2. 行金金類理金金金金易列益金金金若參行參金行行率金率金金量金益行 197

203 參金行若益量列金若參金若參益 3. 行金金金金 95 年金列益金 $48,186,910 $2,860,647 金 53,972,357 - 金 188,241,366 51,771,493 金 () () 列益金 - 49,166,718 金 - 18,135,818 金 () () 金 - 1,343,791 金 - 2,324,366-1,396,926 利 - 864,992 - (2,372) 1,200 8,262-61, ,714 金 - 2,325,802-1,650,637 利 - 1,548,

204 利 - 445, ,292-28,624 - (59) 類量益金 4. 行年度列利益金 434, 行年度量列益金金利 39,158,811 利 16,248, 行年度金列益金 856,329 益列利益金 498, 行年度金利金 36 金來金流量率 8. (1) 利率率益金行利行行理理理行金理益理度理行理理行利行 1 利率利率行類利率利率降 2 率 199

205 行率行行金行金度 3 益益金益不利行暴露行 (Value at Risk) 不利金行金年歷度利異 - 異數 (Variance-Covariance Method) 95% 行金金 95% 不利 95% 金列金行 95 年度利率 $79,515 $138,367 $43,942 率 43, , 益 51,318 80,270 17,301 (2) 易不履行行略理理理行行立理 () 理理度理金契行行行行 200

206 理行諾行諾易行行利降行露暴金不量 1 金數諾行金暴金金 95 年暴金金列益金 $51,047,557 $51,047,557 金 53,972,357 53,972,357 金 239,973, ,973,461 益 2,334,860 2,334,860 金 791,493, ,493,225 履金 - 17,141,844 狀 - 2,545,146 不諾 - 28,780,105 諾 - 283,220,679 金 1,343,791 1,343,791 金 2,324,366 2,324,366 1,396,926 1,396,926 利 864, ,992 9,462 9,462 61,076 61, 行易行易類行金 201

207 95 年年 $104,002,149 $75,480,780 金 43,912,932 36,776,019 不 67,285,836 68,322, ,330, ,265, ,071,482 97,073, ,603, ,918,933 (15,883,008) (15,769,322) 暴金 $676,720,172 $631,149, 年年 $645,989,735 $610,686,961 16,859,532 10,400,952 北 - 40,493 11,556,020 9,757,586 18,197,893 16,032, ,603, ,918,933 (15,883,008) (15,769,322) 暴金 $676,720,172 $631,149,611 (3) 流流理行力行流理略理行流量利率理度數量理金流量狀流流行流臨立利理行流率 28.21% 金履行金履行流行行流力列 (4) 利率金流量利率 202

208 行金利率利利率利率金利率來金流量利率契不行年異行年行金利率金利率 (%) 金金 1 金金金金行行利率金利率利率契行金 95 年金利率 $463,562 行度行金 80% 125% 論度 10. 略行略行行理 203

209 行塞精神理率行理列行見金理金行論理立六理略行度行理理理 () 料行年領行理行理狀利流理了理行益易益易不連連金度行利率略利率金行行利率金 1. 利率年度利率行 $22,960, % 179,521, % 行 22,137, % 910, % 635,619, % 6, %

210 金 135,221, % 33,274, % 行 92,634, % 91,823, % 512,532, % 206,665, % 10,016, % 金 68,152, % 行 1,122, % 30,462, % 94 年度利率行 $21,309, % 148,277, % 行 24,153, % 2,219, % 602,917, % 10, % 金 100,400, % 36,956, % 行 77,770, % 90,073, % 464,845, % 169,789, % 21,225, % 金 55,794, % 行 1,204, % 34,672, % 2. 率行行行率不 8% 率 205

211 行年年率 ( 不 ) 12.32% 13.65% 行行年度若類 4. 行年行行行行行行行行例 1 行行年六六年 5. 行行行益來易理 6. 行行錄 95 年年年年行 $3,233,972 $2,945,282 益 $2,698 $4,398 86,055,427 71,847, ,232 20,654 理金 64,617,357 40,077, , ,800 金 153,883, ,943,022 28,000 56,022 1,905,422 1,469,105 不 4,706,230 3,872,204 利 4 11 累 () 1,903,622 1,468,496 益 (113,186) (89,522) 不益 124, ,

212 4,397,279 3,724,491 累 26,455 5,936 () 154,626 6,164 $160,535,619 $120,315,278 $160,535,619 $120,315,278 益 95 年度益利 $5,516 金 252 金利 94,886 利 20,189 利益 13,147 利益金 797 益 134,787 理 3, () ,300 金 ,424 益金 52 利 $124,415 錄 95 年 $86,055,427 21,232 金 64,617, ,100 28,000 () 1,903,622 不 () 4,397, ,

213 $157,301, 行年金列 95 年金 $125,639,801 金金 24,763,093 不 4,706,326 金 26, ,320 2,470,224 1,904,058 理 234,099 66,762 $160,535,619 露 1. 易 (1) 累金 (2) 不金 (3) 不金 (4) 易 (5) (6) 不良 (7) 金例不例理類 (8) 易

214 (1). 參六 (2) 金 () (3) () (4) () 參 (5) 累金 () (6) 易 (7) 不金 (8) 不金 (9) 易 (10) (11) 不良 (12) 金例不例理類 (13) 易若金令露 3. 陸 4. 露 (1) 利易 (2) (3) (4) 列 (5) 利率 (6) 利力 (7) (8) 行露 209

215 95 年 31 六六年年年年金金金金金金金金金金金金行行 $13,254,437 $13,254,437 $1,727,887 $1,727,887 $162,567 $162,567 $- $- $- $- $15,144,891 $15,144,891 列益金 15,411,079 15,404,165 3,819,256 3,756, , ,950 19,010,667 18,198,693 4,566,900 4,377,500 43,458,740 42,385, ,660,058 1,660, , , ,786,058 1,786,058 金 , ,000 3,277,828 3,106,000 32,669,090 27,574,681 11,350,915 14,212,400 47,417,833 45,013,081 99,714,753 97,288,100 67,193,741 64,369,886 69,147,329 67,389, ,562, ,455, ,988, ,219, ,606, ,723,594 金 101, , , ,500 2,587,559 2,562,240 1,604,080 1,561,486 1,019, ,000 5,638,328 5,401,226 64,500,000 64,500, ,365, ,365,000 8,000,000 8,000,000 7,109,210 6,997,697 43,480,882 43,505, ,455, ,367,939 金 - - 3,826 3, ,826 3, ,981, ,547, ,216, ,329,878 83,826,121 81,868, ,081, ,914, ,406, ,165,079 1,022,511,370 1,002,825,644 行 30,278,852 30,278,852 41,035,200 41,035, ,020,000 9,020, ,334,052 80,334,052 36,191,942 36,191, ,932, ,932, ,517, ,517,743 39,952,303 39,952,303 1,501,241 1,501, ,095, ,095,988 列益金 4,704 4,704 5,000,155 5,000, ,700,000 44,700, ,704,859 49,704,859 20,337,879 20,337,879 3,323,861 3,323, ,661,740 23,661,740 行 375, , , , , ,250 金 ,784,101 6,784,101 11,784,681 11,890,899 18,568,782 18,675,000 金 ,060 15, , , , ,722 87,188,852 87,188, ,732, ,732, ,517, ,517, ,471, ,471,464 14,046,584 14,152, ,957, ,063,611 流 $105,792,454 $103,358,850 $(26,516,482) $(29,402,872) $(111,691,622) $(113,649,169) $92,609,692 $83,442,947 $352,359,935 $349,012,277 $412,553,977 $392,762,033 : (1) (2) 行行 (3) 行 (4) 率 (5) 金不累 210

216 94 年 31 六六年年年年金金金金金金金金金金金金行行 $10,441,882 $10,441,882 $1,632,953 $1,632,953 $- $- $- $- $- $- $12,074,835 $12,074,835 列益金 10,372,990 10,372,171 1,043,039 1,039,416 5,630,990 5,488,600 22,955,135 22,221,100 4,814,749 4,658,300 44,816,903 43,779,587 1,192,252 1,192, ,192,252 1,192,252 金 - - 1,862,607 1,845,000 2,421,860 2,400,000 32,085,481 30,606, , ,400 37,332,580 35,711,400 77,268,700 74,882,500 68,175,229 66,065,627 80,272,460 78,240, ,906, ,717, ,160, ,109, ,784, ,014,774 金 - - 1,924,575 1,924, , ,150 4,543,177 4,415,862 1,028, ,000 8,352,445 8,015, ,535, ,535,000 4,202,452 4,202,452 35,373,655 35,373, ,111, ,111,107 金 11,313 11, ,313 11,313 99,287,137 96,900,118 74,638,403 72,507, ,716, ,486, ,693, ,162, ,340, ,853, ,675, ,910,855 行 18,388,586 18,388,586 27,377,520 27,377,520 19,144,300 19,144,300 4,010,000 4,010, ,920,406 68,920,406 81,778,280 81,778, ,992, ,992, ,016, ,016, , ,241 24,132,291 24,132, ,778, ,778,506 列益金 712, , ,700,000 49,700, ,412,542 50,412,542 25,885,748 25,885,748 7,979,187 7,979, ,864,935 33,864,935 行 328, , , , , ,500 金 ,807,188 6,807,188 11,949,108 11,949,108 18,756,296 18,756,296 金 ,060 15, , , , , ,093, ,093, ,841, ,841, ,161, ,161,044 61,390,489 61,390,489 36,377,849 36,377, ,864, ,864,695 流 $(27,806,219) $(30,193,238) $(101,203,554) $(103,334,386) $56,555,236 $54,325,755 $141,302,653 $134,772,086 $272,962,720 $267,475,943 $341,810,836 $323,046,160 : (1) (2) 行行 (3) 行 (4) 率 (5) 金不累 211

217 累金行行列 (1) (1) 易數金數金數益數金益益行金 64,994 $736,454 - $- 64,994 $708,275 (2) 200,000 2,209, ,000 $3,170,460 (3) $736,454 $(28,179) - $- 1,846,994 1,323, 累金 2 金易 2,132 3 金易 9,

218 不金易易金易易料行金參行 $524,800 行參欄不金易益易參易金行 $480,077 $1,063,180 數 $583,103 林行不聯年 1 參欄 213

219 列列易率金理金金行金連 $- - $- $- $1,430,

220 六數金列數例金益益行北路樓 $- $2,000, $- $- $(144,883) 北路樓 - 650, 理 () 北路樓理 47,000 47,000 9, % 19,441 53,345 3,707 理 () 北路 72 樓理 5,011 5, % 9,180 2,300 2,698 理北路 72 樓理 10,086 10,086 1, % 92,291 66,741 66,731 金 () 北路樓 1,252,672 1,252, , % 1,375,154 54,331 18,859 Indovina Bank 36 Ton That Dam Street, District 1, 行 629, , % 753, , ,103 Ho Chi Minh City, Vietnam. 北路 72 樓 30,810 30,810 3, % 40,098 4,083 3,999 北路樓 30,000 30,000 3, % 36, ,372 2,529 北路 23 樓 20,000 20,000 1, % 8,564 2, 理北路六樓 118, ,312 10, % 61,795 8,901 - () 理北路六樓樓 2,217 2,217 2, % 32,107 1,035-30,00050,000 行 215

221 列類行數 () 金例理 88 年金 - $770 - $1, 年理 () 88 年 ,088 理 () 理行益益 2,787 32, % - 10,049 61, % - 216

222 利易類數金履 () 165 $22,897 $22,897 $ , ,050 - 利易 () 436 3,055,294 3,055,294 - 利易 269 3,027,044 3,027,044 - 利易 438 3,591,829 3,591,829 - 說利行利行利易行列理列金 217

223 % 類金率類 $8,292, 類 3,976, ,269, 列 15,883,008 - 金 19,657,142 - 行列理理列金類類 94 年 419() 列例金年 11 露累金露列 () 履行列 3,458 () 履行列 4,839 % 類金率類 $7,307, 類 3,633, ,940, 列 15,769,322 - 金 7,761,512 - 行列理理列金類類年列例 218

224 利金利率率 % $3,509,241 $5,498, 行度行率行率不 9.71 不金利率利金率金利金行利金利率 95 年年 1 年利率 367,706, ,524,000 16,099, ,755, ,084,000 利率 178,066, ,003,000 71,508,000 62,306, ,883,000 利率 189,640,000 (133,479,000) (55,409,000) 55,449,000 56,201,000 72,141,583 利率率利率率 % 77.90% 行不金利率益利率利利率利率利率利率率利率利率利率利率 219

225 利率利率利率利率率利率率利率金 95 年年金 1 年 1,315, , ,373 2,567,762 4,308,177 3,737, , , ,733 5,068,033 (2,421,739) (331,482) 12,336 1,981,029 (759,856) 2,209,543 行金行金金不利率益利率利利率利率利率利率率利率利率金利率利率行年 72,141,583 率金 2,209, % (34.39)% 利力 % 95 年度 94 年度率率 (0.61) (9.22) (0.34) (5.05) 益率 (12.41) 率益率益益率益益益年累益金 220

226 95 年 1231 金金金年年 1,057,728, ,694, ,104,000 75,703,000 34,070, ,157,000 1,315,169, ,019, ,537, ,847, ,059, ,707,000 (257,441,000) 383,675,000 (137,433,000) (154,144,000) (255,989,000) (93,550,000) 行 ( 不 ) 金金 95 年 1231 金金年年金 8,246,875 2,370,421 1,900,511 1,457, ,011 2,170,520 金 9,645,811 6,249,750 2,007, , , ,526 (1,398,936) (3,879,329) (106,964) 745,712 (64,349) 1,905,994 行金行金金說金列不行行露 % 95 年年 ,879,740 96,875, ,554, ,491,541 率類率類率類率 - - 益率率金 221

227 行年度 222

228 223

229 行年年年年益年年金金 $28,763,569 $30,518,335 (5.75) 行行.13 $100,341,328 $71,567, 行行.2 49,187,728 49,607,804 (0.85) ,775,272 27,317,680 (16.63) 列益金.3 57,177,783 49,294, ,194, ,582, ,786,058 1,192, 列益金.16 55,396,700 50,412, 金.4 53,972,357 41,753, ,661,740 33,864,935 (30.13) ,868,991 65,752,469 (25.68) 行 816, ,500 (0.52) ,655, ,462, 金 ,135,818 18,756,296 (3.31) 金.7 5,636,310 8,352,445 (32.52) 金 , , 益 -.8 1,581,086 1,600,441 (1.21) ,871,583 3,177,686 (41.10) ,922,745 28,326,920 (15.55) ,114,969,152 1,004,811, ,655, ,316, 金.11 4,447,387 5,580,325 (20.30) 益 ,260,581 9,518, 益 ,420,518 46,420, ,464,276 13,464, 留 ,271,236 14,115, (3,788,867) 3,852,743 (198.34) 益累數 70,197 85,432 (17.83) 金益 704,223 (10,307) ( ) 益 72,141,583 77,928,075 (7.43) 數 804, , 益 72,946,014 78,465,545 (7.03) $1,187,915,166 $1,083,277, 益 $1,187,915,166 $1,083,277, 參理林 224

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untitled 行說行說行行來行行類拾數金行行行行不零行例金六例不不金益參不六說匿行說說說說易行年 1 行來來金率立金利說列易金不索不不不不六北行北路樓理金北路六樓 2 北路樓律不年度年度林年度北隆路樓律不理聯理劉理理 3 行說北路樓