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琶就章
7 years ago
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1 2015 p4 / p16 / p28 / p36 / p46 把握跨界契機開創轉型新局 CEO

2 b PwC Taiwan

3 目錄 (FinTech)

4 前言 CEO 2015 Double T : (Transboundary) (Transformation) 11 PwC Global CEO Survey Report Financial Sector (Financial Technology, FinTech) 2 PwC Taiwan

5 3.0 CSR CSR DNA

6 1. 迎接金融跨界競合時代 4 PwC Taiwan

7 (, AIIB) 57 RCEP FTA

8 ( ) 6 PwC Taiwan

9 打亞洲盃讓台灣品牌走向世界舞台 GDP 3, ? 40% 50% 10%

10 Bank Non-Bank PC home End Gate 5 * ( ) ( ) Solo Como(Social Location Commercial Mobile) (MA ) MA * Source: AC Nielsen 8 PwC Taiwan

11 We know China PwC 2015 Global CEO Survey Report 40% CEO 37% (Channel) ECFA

12 進入海外市場運用台灣優勢迎接挑戰 2002 License, Leadership, Logistic, Localized Long-term view License Leadership Logistic Localized Long-term view Longterm view 2015 Social Media Facebook Bank PwC Taiwan

13 Internet Banking Mobile Banking % Internet Mobile Internet Mobile Internet Mobile Total Solution Internet Mobile Clean Up The World YouBike 0 1 Green Policy 13 CSR M VIP VIP

7 12 Internet Mobile Internet Mobile Total Solution

14 40 5% 10 (ROE) * 30% 50% MayBank CIMB * 徐光曦董事長受訪時為臺灣土地銀行董事長, 現為華南金控董事長 12 PwC Taiwan

16 拓展亞洲發展多元產品與服務 4~5% 7% 1:32 (know-how) (investment bank) (commercial bank) Fidelity Merrill Lynch money market account 14 PwC Taiwan

17 we know China we know Asia :

18 2. 金融實現數位科技轉型 16 PwC Taiwan

19 3.0 Movenbank Brett King Banking is no longer somewhere you go but something you do (Product-driven) (Customer-driven) PwC 2015 Global CEO Survey Report 93% CEO

0 3.0 3.0 (Product-driven) (Customer-driven)

20 : PwC Taiwan

21 數位金融是必然趨勢異業競合的時代來臨 2002 Overbank DNA Highly Regulated OECD RECPTPP 40% Diversified Superior Services Digital Banking Productdriven Customer-driven

22 Bank 3.0 Banking Internet Digital Banking Business-friendly Banking Needs Niche Preference Niche Market Effort Customerdriven Consumer Behaviour Customerdriven Consumer-driven Derivatives Corporate Customer Customer Mass Manufacturing High-end 20 PwC Taiwan

24 服務行動化數位金融時代的決勝關鍵 % 20% 55.3 % 44.7% Online to Offline,O2O ( 22 PwC Taiwan

25 ) (Worldwide) 4 OSU OSU % CICC

26 (FinTech) 3.0 (Financial Technology, FinTech) (peer-topeer lending) P2P Lending Club Zopa 24 PwC Taiwan

27 14 P2P FinTech FinTech FinTech

28 因應金融科技趨勢產險業藉轉型創造價值 % 26 PwC Taiwan

29 3.0 Bank IT 20% 10% 8%?

30 3. 風險管理與法規遵循 28 PwC Taiwan

31 RBC ECFA (trade-off)

32 因應金融科技趨勢產險業藉轉型創造價值 % 7% Glory Pride Glory, Common equity capital ( ) Tier 1 Capital( ) BIS ratio( ) Tier 1 Capital 5.5% PwC Taiwan

33 8% 2% Bank 3.0, diversify Loan Spread diversify Fee Income trade operation Peter Drucker LeaderLead Leader Average worker constant distance( ) Leader constant distance Self Complacency ( 註 : 徐光曦董事長受訪時為臺灣土地銀行董事長, 現為華南金控董事長 )

34 L License Leadership Logistic Localized Long-term view License PwC 2015 Global CEO Survey Report 89% CEO 80% 62% 32 PwC Taiwan

35 打入海外市場注重風險控管與長期趨勢 We Share & We Link 3 P/B ( ) ( ) OIU ( Offshore Insurance Unit) OIU

36 Big Data 3D Case Study 34 PwC Taiwan

37 FinTech PwC 2015 Global CEO Survey Report 89% CEO (Data Mining) PwC 2015 Global CEO Survey Report 93% CEO 76% CEO 53% 63% CEO

38 4. 打造全方位金融人才 36 PwC Taiwan

39 ( )

40 培育關鍵人才必須因時因地制宜 APP ipad PwC Taiwan

41 OIU OIU CEO CSR

42 PwC 2015 Global CEO Survey Report 78% CEO Customer-driven PwC 2015 Global CEO Survey Report 78% CEO 40 PwC Taiwan

44 透過合作及策略聯盟擴大人才的國際視野 1998 ( ) 11 6 ( ) / 401K () 42 PwC Taiwan

45 2 6% ()

46 44 PwC Taiwan

48 5. 創造共好的企業社會責任 46 PwC Taiwan

49 CSR CSR CSR CSR DNA DJSI CSR M VIP

50 協助防止災難發生就是我們的社會責任 CSR 48 PwC Taiwan

51 CSR CSR CSR CSR CSR DNA CSR (The Equator principle)

52 遇見深度訪談企業領袖 11 ( ) 吳一揆總經理中國信託金融控股 ( 股 ) 公司吳明洋總經理國泰世紀產物保險 ( 股 ) 公司林弘立理事長投信投顧公會徐光曦郭瑜玲陳燦煌程明乾董事長華南金融控股 ( 股 ) 公司總經理中國人壽保險 ( 股 ) 公司董事長富邦產物保險 ( 股 ) 公司總經理富邦綜合證券 ( 股 ) 公司賀鳴珩黃男州戴英祥饒世湛董事長元大證券 ( 股 ) 公司總經理玉山金融控股 ( 股 ) 公司董事長華南產物保險 ( 股 ) 公司總經理台新金融控股 ( 股 ) 公司 50 PwC Taiwan

53 資誠金融產業專業服務團隊吳偉臺金融產業服務營運長 (02) 李潤之金融產業服務副營運長 (02) 黃金澤陳賢儀劉博文資產管理業服務負責人 (02) 保險業及金融產業審計服務負責人 (02) 銀行及資本市場服務負責人 (02) 楊敬先金融產業法律服務負責人 (02) 郭柏如外資金融產業服務負責人 (02) 紀淑梅金融產業法規遵循負責人 (02)

54 Printed on FSC 100% recycled material, supporting responsible use of forest resources. This publication has been prepared for general guidance on matters of interest only, and does not constitute professional advice. You should not act upon the information contained in this publication without obtaining specific professional advice. No representation or warranty (express or implied) is given as to the accuracy or completeness of the information contained in this publication, and, to the extent permitted by law, PwC does not accept or assume any liability, responsibility or duty of care for any consequences of you or anyone else acting, or refraining to act, in reliance on the information contained in this publication or for any decision based on it PricewaterhouseCoopers Taiwan. All rights reserved. PwC refers to the Taiwan member firm, and may sometimes refer to the PwC network. Each member firm is a separate legal entity. Please see for further details. This content is for general information purposes only, and should not be used as a substitute for consultation with professional advisors.

55 2015

PwC Taiwan PwC Taiwan PwC 17th Annual Global CEO Survey 3 (Taiwan CEO Survey)

2014 p6 / p16 / p28 / p46 / p50 / 12 116 1344 68 CEO www.pwc.tw/ceosurvey PwC Taiwan PwC Taiwan PwC 17th Annual Global CEO Survey 3 (Taiwan CEO Survey) 116 7 12 2014 1 2014 2014 3 (Hybrid Leadership) fit