台灣銀行年報_中文-1

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4 (02) ( ( 538 GPN: ISSN:

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7 BANK 誠 信 關 懷 效 率 穩 健 F TAIWAN F 誠懇務實 信用至上 值得信賴 007 壹 致股東報告書 013 貳 銀行簡介 014 參 公司治理報告 014 一 組織系統 016 二 董事 監察人 總經理 副總經理 各部門及分支機構主管 資料 032 三 公司治理運作情形 045 四 會計師資訊 046 五 董事 監察人 經理人及依同一人或同一關係人持有同一銀 行已發行有表決權股份總數超過一定比率管理辦法第十一條 規定應申報股權者 其股權移轉及股權質押變動情形 046 六 持股比例占前十名之股東 其相互間為關係人關係或為配 偶 二親等以內之親屬關係之資訊 047 七 銀行 銀行之董事 監察人 總經理 副總經理 協理 各 部門及分支機構主管及銀行直接或間接控制之事業對同一轉 投資事業之持股數 並合併計算綜合持股比例 壹 致股東報告書 誠信 TAIWAN BANK 5

8 深耕臺灣金融 邁向國際市場 6

9 壹 致股東報告書誠信 關懷 效率 穩健 7 BANK F TAIWAN 103 (Fed) 10 (QE) % 3 (OBU) : SBL

10 深耕臺灣金融 邁向國際市場 8

11 壹 致股東報告書誠信 關懷 效率 穩健 ( ) BANK F TAIWAN (1) (2) (3) (4) (5) (6) ( ) ( ) % , , , , , , (29.52) 1, , ( ) ( ) 103 3,464, % 2,329, % 413, % 8, % ( ) ,779 7,274 7,285 19,335 9,433 1,185 8,248 ( ) 9,036 18, ,248 6,646 1, %

12 深耕臺灣金融 邁向國際市場 / 0.22% ( ) 0.44% / 3.76% ( ) 7.01% ( ) ( ) O2O ( ) (104) ( ) 1. 31, , ,

13 BANK F TAIWAN 1. ( ) 2. ( QR Code (mobile POS) ) 壹 致股東報告書誠信 關懷 效率 穩健 11 Standard & Poor's A+ A-1 Moody's Aa3 P QE (Fed) % % 3.5% 104

14 深耕臺灣金融 邁向國際市場 12

15 BANK F TAIWAN ( ) % 9.32% (The Banker) 貳 銀行簡介誠信 關懷 效率 穩健 13

16 深耕臺灣金融 邁向國際市場 ( 1 ) 9 ( ) 14

17 BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 15 ( ) /

18 深耕臺灣金融 邁向國際市場 ( ) 1. ( ) ( ) ( ) (Harvard University) (Stanford University) (WEF) (New Economic Leader)

19 ( ) ( ) BANK F TAIWAN ( ) ( ) 參 公司治理報告誠信 關懷 效率 穩健 ( 3) ( ) % ( 95 ) 100% ( 90 ) 3

20 深耕臺灣金融 邁向國際市場 ( ) ( ) V V V V V V V V V 0 V V V V V V V V 0 V V V V V V V V V V V 1 ( ) V V V V V V V V V V V V 0 V V V V V V V V V V V 0 V V V V V V V V V V V V V 2 ( ) V V V V V V V V V V V 0 V V V V V V V V V V V 0 V V V V V V V V V V V 0 V V V V V V V V V V V 0 V V V V V V V V V V V 0 V V V V V V V V V V 0 V V V V V V V V V V 0 V V V V V V V V V V V 0 V (1) (2) ( ) (3) (4) (5) (6) ( ) ( ) (7) ( ) ( ) (8) (9) 30 (10) 27

21 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 ( ) ( ) ( ) ( ) ( ) ( )

22 深耕臺灣金融 邁向國際市場 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( )

23 ( ) ( ) ( ) BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 ( ) ( )

24 深耕臺灣金融 邁向國際市場 ( ) ( ) ( ) ( ) ( )

25 ( ) ( ) ( ) BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 23 ( )

26 深耕臺灣金融 邁向國際市場 ( )

27 ( ) 鍮 BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 ( )

28 深耕臺灣金融 邁向國際市場 ( )

29 ( ) BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健

30 深耕臺灣金融 邁向國際市場 ( ) ( )

31 ( ) BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 %

32 深耕臺灣金融 邁向國際市場 ( ) ( ) (A) (B) (C) (D) ( ) A B C D (%) (E) (F) 6, , % 4, (G) (H) A B C D E F G (%) 0.20% , , ,604 40, ,226 ( ) 2,000,000 (A+B+C+D) (A+B+C+D+E+F+G) 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 11,221 11,221 16,101 16,101

33 BANK F TAIWAN 2. (A) (B) (C) (D) A B C D (%) 11, , % 636 2,000,000 參 公司治理報告誠信 關懷 效率 穩健 31 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 21,206 21,206 ( )

34 深耕臺灣金融 邁向國際市場 ( ) (A) ( ) ( ) ( ) (%) / ( ) ( ) ( ) ( ) ( ) 13 ( ) ( ) ( ) ( ) ( ) ( ) (%) ( )

35 ( ) ( ) ( ) (%) / ( ) BANK F TAIWAN ( ) 1. (1)102 (2)102 (3)103 (4) ( ) 1. (1)102 (2)103 1 (3)103 2 (4)103 3 (5) ( ) ( ) 參 公司治理報告誠信 關懷 效率 穩健 33 (%) ( ) ( ) ( ) ( ) ( ) ( ) V V V ( ) 1 ( 100% ) ( ) ( ) ( )

36 深耕臺灣金融 邁向國際市場 ( ) ( ) V V ( ) % ( ) 34 ( ) ( ) ( ) V V V ( ) ( ( ) ( ) V ( ) ( ) ( ) ( ) ( ) BASEL 4.

37 ( ) V ( ) ( ) ( ) ( ) ( ) BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 35 V ( ) 100%

38 深耕臺灣金融 邁向國際市場 ( ) 36 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) V V V V V V V ( ) ( ) ( ) ( ) ( ) ( ) 100% ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) V V V V V V V ( ) ( ) ( ) ( ) ( ) ( ) ( )

39 ( ) ( ) V V V ( ) ( ) / BANK F TAIWAN ( ) ( ) ( ) Life ( 15 ) ( ) 8 21 ( ) , 參 公司治理報告誠信 關懷 效率 穩健 37 68

40 深耕臺灣金融 邁向國際市場 ( ) 38 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) V V V V V V V V ( ) 97 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( )

41 ( ) ( ) ( ) V V V V ( ) ( ) ( ) ( ) 74 / BANK F TAIWAN ( ) 參 公司治理報告誠信 關懷 效率 穩健 39 ( ) ( ) 103

42 深耕臺灣金融 邁向國際市場 ( )

43 BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健

44 深耕臺灣金融 邁向國際市場 :

45 ( ) ( ) BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健

46 深耕臺灣金融 邁向國際市場 ( ) ( )104 ( ) ( ) ( )

47 BANK F TAIWAN ( ) 103 ( ) /09/30 103/03/03 95/05/12 103/07/16 100/07/16 103/08/ ~ 參 公司治理報告誠信 關懷 效率 穩健 45 2,000 2,000 4,000 3,345 2,472 5,817 4,000 6,000 6,000 8,000 8,000 10,000 10,000 3,345 2,472 2, ~ ( )

48 深耕臺灣金融 邁向國際市場 46 ( )

49 BANK F TAIWAN ( ) % ( ) 715,223, ,970, ,194, ( ) 912,520, ,236, ,756, ( ) 63,521, ,294, ,815, ( ) 309,799, ,636, ,436, ( ) 64,608, , ,719, ( ) 238,729, ,793, ,523, ( ) 236,607, ,454, ,061, ( ) 16,658, ,006, ,665, ( ) 865,191, ,281, ,013,473, ( ) 64,497, ,326, ,824, 參 公司治理報告誠信 關懷 效率 穩健 47 ( ) 1,250, ,250, ( ) 62, , ,696, ,696, , , ( ) 1,400, , ,100, ( ) 5,941, ,701, ,642, ( ) 75,000, ,000, ,000, ( ) 450, , ( ) 10,000, ,000, ,000, ( ) 11,998, ,191, ,190, ( ) 1,268, , ,673, ( ) 15, , , ( ) 14, , ( ) 25,035, , ,045, ( ) 1,200, , ,800, ( ) 1,980,444, ,513, ,338,958, ( ) 172,011, ,124, ,136, ( ) 74,802, ,074, ,876, ( ) 303,131, ,131, ( ) 1,500, ,500, ( ) 2,000, ,000,

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51 BANK 誠 信 關 懷 效 率 穩 健 F TAIWAN 關 懷 TAIWAN BANK F 050 肆 054 伍 肆 募資情形 關懷社會 關懷客戶 關懷員工 49 募資情形 050 一 資本及股份 052 二 金融債券發行情形 053 三 特別股發行情形 海外存託憑證發行情形 員工認股權憑證 辦理情形 限制員工權利新股辦理情形 053 四 併購或受讓其他金融機構 053 五 資金運用計畫執行情形 營運概況 054 一 業務內容 060 二 從業員工資料 062 三 企業責任及道德行為 063 四 資訊設備 064 五 勞資關係 064 六 重要契約 065 七 最近年度依金融資產證券化條例或不動產證券化條例申請核 准辦理之證券化商品類型及相關資訊

52 深耕臺灣金融 邁向國際市場 ( ) ( ) 0 95 ( ) ( ) ( ) 100% ( ) ,500,000,000 9,500,000,

53 BANK F TAIWAN ( ) 1. (1) (2) (3) 30% (4) 20 40% 15% ( ) 肆 募資情形誠信 關懷 效率 穩健 51 ( ) ( )

54 深耕臺灣金融 邁向國際市場 A B C % ( ) % (TAIBOR) (Fixing Rate) / % % ( ) A 0% 4.0% 2.B 0% 4.3% 3.C 0% 4.3% 1.A B C ,962, ,475, ,475,322

55 (%) % 10.2% 23.1% twaa twaa twaa twaa+ BANK F TAIWAN ( ) 3. (RP) twaaa 肆 募資情形誠信 關懷 效率 穩健 (1) (2) (3) 2. IRS (1) (2) (3) 2. IRS ( ) 3. (RP) twaa twaa twaa twaa

56 深耕臺灣金融 邁向國際市場 ( ) , % 44, % 1.38% 12.90% ,000 34,000 32,000 30,000 28,000 26,000 24,000 22,000 25,090 29,863 32,976 32,221 32,208 31,893 35,527 34,109 20, ,180 ( ) % 44, % ( ) 14, % 1.62% 103 3, % Basis Point ,000 22,000 20,000 18,000 16,000 14,000 21,633 21,850 22,51723,180 20,413 20,791 19,818 19,116 12,000 10,

57 , % , BANK F TAIWAN 4,500 4, , ,000 3, ,500 3, ,000 2, ,500 2, , ,000 1, ,500 1, OBU % 1, e % % , % , % 4, % 4, , ,513 7,718 5, (1) ,538 7, ,855 6, (2) a , 伍 營運概況誠信 關懷 效率 穩健 55

58 深耕臺灣金融 邁向國際市場 56b c. 103 ( ) (3) % (4) ( ) % % , % 19, % , % 9. ( ) , , , ( 3.85 ) % ( 8 ) , % % ( )

59 BANK F TAIWAN PSP TSM e ( A- ) ETF 8. e 伍 營運概況誠信 關懷 效率 穩健 57

60 深耕臺灣金融 邁向國際市場 ( ) % ( 1 ) (Bank 3.0) 3. (1) (2) (3) (4) 4. (1) a.100% b. c. d. (2) a.100% ( ) b. c. d.100% (3) a.

61 BANK F TAIWAN b. c. d. ( ) , (1) 9 ( ) (2) , ,359 (1) 24 (2) 24 (3) 24 (4) 8 (5) 24 (6) 17 (7) 171 伍 營運概況誠信 關懷 效率 穩健 59 ( ) 1. (1) (2) ( ) (3) APP (4) TSM

62 深耕臺灣金融 邁向國際市場 60(5) (OBU) OBU OBU OBU (6) (7) (8) % ,700 1, ,107 7,098 7, ,968 7,936 7, (%)

63 BANK F TAIWAN ,433 5,531 5, CFA Level CFA Level CFA Level CFA ,515 2,690 2,712 3,015 3,181 3, ,252 2,352 2,364 1,128 1,187 1,193 FRM ,534 2,628 2,640 2,735 2,871 2, 伍 營運概況誠信 關懷 效率 穩健 61

64 深耕臺灣金融 邁向國際市場 CFP ,449 5,592 5,608 2,689 2,758 2,766 3,285 3,525 3, ,272 1,370 1,384 1,317 1,366 1, ,011 1, ,674 3,594 3,586 1,528 1,719 1, ,596 1,664 1, ,013 2,107 2, %

65 ( ) BANK F TAIWAN e EDI (FATCA) 伍 營運概況誠信 關懷 效率 穩健 63 ( ) (RCPMIS) (OBU) ( ) 1. ( e )

66 深耕臺灣金融 邁向國際市場 2. (1) BS (2) (BSI) (ISO 20000) (ISO 27001) (ISO 22301) (3) (IP) 64 ( ) ( ) ( ) ( ) ( ) ( )

67 ( ) ( ) BANK F TAIWAN 伍 營運概況誠信 關懷 效率 穩健 ~

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69 效 率 TAIWAN BANK F 積極主動 迅速服務 追求創新 068 陸 166 柒 財務概況 068 一 最近五年度簡明資產負債表及綜合損益表 074 二 最近五年度財務分析 082 三 最近年度財務報告之審計委員會審查報告 083 四 最近年度財務報告 159 五 最近年度經會計師查核簽證之銀行個體財務報告 165 六 銀行及其關係企業最近年度及截至年報刊印日止 如有發生 財務週轉困難情事 應列明其對本行財務狀況之影響 財務狀況及財務績效之檢討分析與風險管理事項 166 一 財務狀況 166 二 財務績效 167 三 現金流量 168 四 最近年度重大資本支出對財務業務之影響 168 五 最近年度轉投資政策 168 六 風險管理 177 七 危機處理應變機制 177 八 其他重要事項

70 深耕臺灣金融 邁向國際市場 ( ) ,816, ,709, ,440, ,646, ,714, ,534, ,692, ,521, ,870,751 25,613 5,443 3,543 1,956,563 6,173,451 4,980,621-62,570,189 82,279,036 89,166,548 1,878,465 2,169,130 2,131, ,298,237,964 2,240,652,458 2,177,133,260 77,372,697 73,044,728 62,009,085-36,990,117 34,792,041 34,652, ,466,496 70,317,802 69,668,204-97,108,785 97,502,611 98,086, ,417 1,048,025 1,164, , , ,086 11,404,016 9,229,150 10,620,513 7,754,090 5,630,335 6,026,501 4,402,470,508 4,254,400,595 4,053,791,927 4,398,820,582 4,250,801,780 4,049,197, ,988, ,738, ,374, ,915,342 3,999,496 4,876, , , ,390 38,018,153 19,036,703 11,998,398 41,039,673 44,758,616 41,988, , ,430 96, ,554,081,722 3,409,605,226 3,294,903,719 24,997,612 15,998, ,756,954 1,243,698 8,198, ,654, ,766, ,201,483 18,348,772 18,299,657 18,359,086

71 BANK F TAIWAN ,202,223 7,491,439 7,671,101 7,297,672 7,491,439 7,844,210 4,148,289,034 4,006,326,459 3,811,969,375 4,148,384,483 4,006,326,459 3,812,142, ,000,000 70,000,000 70,000,000 95,000,000 70,000,000 70,000,000 80,521, ,496, ,453,034 55,169,251 51,053,056 48,686,675 51,423,876 47,454,241 43,919,554 23,490,481 21,524,988 17,682, ,181, ,074, ,822, ,436, ,475, ,055, ,232,863 59,252,283 56,039,716 : 36,453,488 33,364,389 31,952,145 28,779,375 25,887,894 24,087,571 7,274,096 3,609,713 4,786,638 36,053,471 29,497,607 28,874,209 7,284,809 2,625,044 3,107,865 19,335,309 18,025,012 17,722,916 9,433,353 8,847,551 8,043,428 1,185,145 1,429, ,560 8,248,208 7,417,928 7,180, ,248,208 7,417,928 7,180,868 ( ) 1,432,294 3,557,719 3,139,909 9,680,502 10,975,647 10,320,777 8,248,208 7,417,928 7,180, ,680,502 10,975,647 10,320, 陸 財務概況誠信 關懷 效率 穩健

72 深耕臺灣金融 邁向國際市場 ,816, ,709, ,440, ,646, ,714, ,534, ,692, ,521, ,870,751 25,613 5,443 3,543 1,956,563 6,173,451 4,980,621-62,547,115 82,258,188 89,166,548 1,878,465 2,169,130 2,131, ,298,237,964 2,240,652,458 2,177,133,260 77,372,697 73,044,728 62,009,085-37,242,253 34,941,396 34,652, ,466,496 70,317,802 69,668,204-97,103,753 97,497,978 98,086, ,987 1,047,495 1,164, , , ,086 11,399,279 9,227,485 10,620,513 7,749,353 5,628,670 6,026,501 4,402,685,387 4,254,518,369 4,053,791,927 4,399,035,461 4,250,919,554 4,049,197, ,988, ,738, ,374, ,915,342 3,999,496 4,876, , , ,390 38,018,153 19,036,703 11,998,398 41,013,062 44,746,966 41,988, , ,072 96, ,554,349,701 3,409,797,342 3,294,903,719 24,997,612 15,998, ,756,954 1,243,698 8,198, ,654, ,743, ,201,483 18,348,772 18,299,657 18,359,086 7,202,842 7,482,893 7,671,101 7,298,291 7,482,893 7,844,210 4,148,503,913 4,006,444,233 3,811,969,375 4,148,599,362 4,006,444,233 3,812,142,484

73 BANK F TAIWAN ,000,000 70,000,000 70,000,000 95,000,000 70,000,000 70,000,000 80,521, ,496, ,453,034 55,169,251 51,053,056 48,686,675 51,423,876 47,454,241 43,919,554 23,490,481 21,524,988 17,682, ,181, ,074, ,822, ,436, ,475, ,055, ,232,863 59,252,283 56,039,716 : 36,453,834 33,364,505 31,952,145 28,779,029 25,887,778 24,087,571 7,111,636 3,513,757 4,786,638 35,890,665 29,401,535 28,874,209 7,284,809 2,625,044 3,107,865 19,214,750 17,955,435 17,722,916 9,391,106 8,821,056 8,043,428 1,142,898 1,403, ,560 8,248,208 7,417,928 7,180, ,248,208 7,417,928 7,180,868 ( ) 1,432,294 3,557,719 3,139,909 9,680,502 10,975,647 10,320,777 8,248,208 7,417,928 7,180, ,680,502 10,975,647 10,320, 陸 財務概況誠信 關懷 效率 穩健

74 深耕臺灣金融 邁向國際市場 ( ) ,440, ,981, ,643, ,534, ,886,008 99,875,033 4,980,621 3,231, ,294 91,271,394 86,439,780 84,272,771 2,177,133,260 2,153,591,118 2,079,558, ,870, ,373, ,360,582 61,999,046 50,942,589 54,207,507 35,393,882 32,479,598 31,330,008 69,672,866 72,207,332 69,201,006 97,253,304 97,864,904 76,596,999 1,164, , ,574 11,934,505 15,119,109 18,607,244 7,340,493 10,747,702 12,986,379 4,054,648,045 3,945,938,488 3,915,222,884 4,050,054,033 3,941,567,081 3,909,602, ,374, ,926, ,612,937 4,876,954 3,902,885 18,985,604 11,998,398 14,906,165 9,429,373 3,294,903,719 3,218,010,687 3,185,931, ,959,970 4,566,752 3,389,155 8,499,403 5,756,183 1,048, ,305, ,500, ,277, ,478, ,560, ,399,288 3,801,917,943 3,699,569,359 3,663,674,278 3,802,091,051 3,699,629,854 3,663,795,897 70,000,000 70,000,000 70,000,000 70,000,000 70,000,000 70,000, ,682, ,077, ,581,440 33,697,990 30,901,653 32,923,901 28,930,870 26,469,751 27,181,417 17,929,660 13,983,157 28,860, , , ,457 26,219,881 25,772,493 14,638, ,730, ,369, ,548, ,962, ,937, ,806,122 99~101

75 BANK F TAIWAN 24,675,639 23,186,559 20,269,138 4,502,274 4,422,055 5,257,020 3,107,865 5,045, ,029 17,984,064 18,114,175 17,323,324 8,085,984 4,448,965 7,826,805 7,228,241 3,663,805 7,084, ,228,241 3,663,805 7,084,968 ( )( ) ( ) 陸 財務概況誠信 關懷 效率 穩健

76 深耕臺灣金融 邁向國際市場 ( ) 74 % ( ) ( 1) ( )( 9) ( 2) 4,485 3,674 3,596 1, (%)( 9) (%)( 9) (%)( 9) (%) ( )( 13) ( 3) ( 4)( 10) ( 11) ( 12) , ( 11) 2, , ,864,509 34,267,212 20,181, , , (1) (2) ( )

77 (3) 3 (4) (5) (6) 6 (7) 2. (1) 8 (2) (3) (4) (5) ( ) 3. (1) 4 (2) 4. (1) (2) 5. 7 BANK F TAIWAN (1) (2) (3) (1) 5 (2) (3) (4) ,663,770 10,820,906 10,664, /( + ) 陸 財務概況誠信 關懷 效率 穩健 75

78 深耕臺灣金融 邁向國際市場 76 % ( ) ( 1) ( )( 9) ( 2) 4,504 3,674 3,596 1, (%)( 9) (%)( 9) (%)( 9) (%) ( )( 13) ( 3) ( 4)( 10) ( 11) ( 12) , ( 11) 2, , ,864,509 34,267,212 20,181, , , (1) (2) ( ) (3) 3 (4) (5) (6) 6 (7) 2. (1) 8 (2) (3) (4) (5) ( ) 3. (1) 4 (2) 4. (1) (2) 5. 7 (1)

79 (2) (3) (1) 5 (2) (3) (4) BANK F TAIWAN ,663,770 10,820,906 10,664, /( + ) % ,517, ,355,190 50,204,345 34,157, ,721, ,513,137 1,836,910,103 1,768,858,574 4,374,030 56,984,163 51,777,388 / 86,770,575 71,523,188 1,980,664,841 1,896,533, % 10.73% 8.76% 8.93% 8.76% 8.93% 4 陸 財務概況誠信 關懷 效率 穩健

80 深耕臺灣金融 邁向國際市場 78( ) % ( ) ( ) ,634 3,477 3, ( 10) (%) (%) (%) (%) ( )( 12) ( 11) ( 9) ( 9) ( 9) ,181,252 19,419,003 19,516, (1) (2) ( ) (3) 3 (4) (5) (6) 6 (7)

81 2. (1) 8 (2) (3) (4) (5) ( ) 3. (1) 4 (2) 4. (1) (2) 5. 7 BANK F TAIWAN (1) (2) (3) (1) 5 (2) (3) (4) 陸 財務概況誠信 關懷 效率 穩健 79

82 深耕臺灣金融 邁向國際市場 % 80 8,385,156 6,301,072 9,284,925 70,000,000 70,000,000 70,000, ,682, ,077, ,581,440 25,218,428 24,119,287 21,993,796 98, ,561 1,645,137-3,947,909-5,799,208-1,567,024 29,544,165 28,336,290 30,416, ,892, ,881, ,521,653 27,383,086 26,581,673 14,640,019 45% 8,961,329 8,373,213 13,486,622 9,146,517 7,865,923 1,328,931 29,544,164 28,336,288 29,455,572 15,946,768 14,484, ,839, ,365, ,521,653

83 BANK F TAIWAN 1,631,099,532 1,525,347,746 1,387,342,993 3,646,593 2,125,603 2,722,945 49,219,638 47,184,300 46,779,788 / 72,726,088 71,441,638 49,679,588 1,756,691,851 1,646,099,287 1,486,525, 陸 財務概況誠信 關懷 效率 穩健

84 深耕臺灣金融 邁向國際市場

85 BANK F TAIWAN ( ) 30,577,743 28,817, ,790,937 2,135, ( ) 陸 財務概況誠信 關懷 效率 穩健 83 (88) ( )

86 深耕臺灣金融 邁向國際市場 % % ( ( ) ) $ 155,902, ,265,293 3 ( ( ) ( ) ) 582,914, ,444, ( ( ) ) 208,646, ,714,218 4 ( ( ) ) 25,613-5,443 - ( ( ) ) 1,956,563-6,173, ( ( ) ( ) ) 62,570, ,279, ,878,465-2,169, ( ( ) ) 2,298,237, ,240,652, ( ( ) ( ) ) 797,692, ,521, ( ( ) ) 77,372, ,044, ( ( )) 36,990, ,792, ( ( ) ( ) ( ) ) 68,466, ,317, ( ( ) ( )) 97,108, ,502, ( ( )) 941,417-1,048,025 - ( ( )) 361, , ( ( ) ( ) ) 11,404,016-9,229,150 - $ 4,402,470, ,254,400,

87 BANK F TAIWAN % % ( ( ) ) $ 156,988, ,738,244 7 ( ( ) ) 47,915, ,999,496 - ( ( ) ) 103, ,806 - ( ( ) ) 38,018, ,036,703 - ( ( ) ) 41,039, ,758, , ,430 - ( ( ) ) 3,554,081, ,409,605, ( ( ) ) 24,997,612-15,998,240 - ( ( ) ) 1,756,954-1,243,698 - ( ( ) ( )) 257,654, ,766,904 5 ( ( )) 18,348,772-18,299,657 1 陸 財務概況誠信 關懷 效率 穩健 85 ( ( ) ) 7,202,223-7,491,439-4,148,289, ,006,326, ( ( )) 95,000, ,000, ,521, ,496, ,526, ,386,900 1 ( ( )) 17,502,398-16,489,571-8,139,902-7,176,585-55,169, ,053,056 1 ( ( )) 23,490, ,524, ,181, ,074,136 6 $ 4,402,470, ,254,400,

88 深耕臺灣金融 邁向國際市場 ( ( )) $ 65,232, ,252, ( ( )) (36,453,488) (101) (33,364,389) (113) 9 ( ( )) 28,779, ,887, ( ( )) 5,438, ,275, ( ) ( ( )) 15,914, ,147, ( ) ( ( )) 1,062, ,007, ( ) 6,250, ,585, ( ) ( ( )) (1,685) - (19,013) - 91 ( ) ( ( )) 3,042, ,926, ( ( )) (3,503,057) (10) (5,563,476) (19) 37 ( ) ( ( )) 450, , ( ( ) ( )) 12,946, ,696, (18) ( ( )) 210, ,783 3 (76) ( ( ) ) (23,874,056) (66) (21,922,128) (74) (9) ( ( ) ( ) ) (10,663,770) (30) (10,820,906) (37) 1 36,053, ,497, ( ( )) (7,284,809) (20) (2,625,044) (9) 178 ( ( )) (11,723,709) (33) (11,562,624) (39) 1 ( ( )) (1,207,656) (3) (1,282,422) (4) (6) ( ( )) (6,403,944) (18) (5,179,966) (18) 24 (19,335,309) (54) (18,025,012) (61) 7 9,433, ,847, ,433, ,847, ( ( )) (1,185,145) (3) (1,429,623) (5) 17 8,248, ,417, , ,932-5,541 1,022, ,754, (78) ( ) (450,839) (1) (330,269) (1) 37 ( ( )) 477,061 1 (911,409) (3) (152) ( ) ( ( )) (7,547) - 38,135 - (120) ( ) 1,432, ,557, (60) $ 9,680, ,975, (12) ( )( ( )) $

89 ( ) $ 70,000, ,453,034 25,218,428 15,087,006 8,381,241 48,686,675 (363,405) 18,046,248 17,682, ,822, ,168,472 - (2,168,472) ,445,648 (1,445,648) (4,767,121) (4,767,121) (4,767,121) (43,083) 43, , , ,417,928 7,417, ,417, (284,426) (284,426) 54,488 3,787,657 3,842,145 3,557,719 70,000, ,496,092 27,386,900 16,489,571 7,176,585 51,053,056 (308,917) 21,833,905 21,524, ,074, ,140,051 - (2,140,051) ,038,720 (1,038,720) (3,598,814) (3,598,814) (3,598,814) (25,893) 25, , ,650 25,000,000 (25,000,000) BANK F TAIWAN ,248,208 8,248, ,248, (533,199) (533,199) 582,615 1,382,878 1,965,493 1,432,294 $ 95,000,000 80,521,742 29,526,951 17,502,398 8,139,902 55,169, ,698 23,216,783 23,490, ,181,474 5,163 3,240 陸 財務概況誠信 關懷 效率 穩健 87

90 深耕臺灣金融 邁向國際市場 $ 9,433,353 8,847, , , , ,145 7,284,809 2,625, ,453,488 33,364,389 (65,232,863) (59,252,283) 23,874,056 21,914,799 ( ) 1,351 (6,899) (3,042,845) (1,926,100) 111, ,395 ( ) (616) 19, ,147 (1,830,218) (16,693,020) (28,075,745) (60,521,919) (14,328,674) (20,170) (1,900) - 4,980,621 21,850,506 7,121,618 (64,415,855) (66,309,595) ( ) 3,081,652 (98,567,399) ( ) 814,244 (34,308,521) ( ) 1,846,780 (962,726) ( ) (1,808,072) 1,609,387 (115,865,854) (228,842,934) ( ) (95,749,414) 39,363,779 ( ) 43,915,846 (877,458) (122,782) (75,584) 18,981,450 7,038,305 ( ) (3,873,919) 4,055, ,476, ,708, , ,149 89, , ,192, ,248,297 (7,673,188) (63,594,637)

91 BANK F TAIWAN (6,978,041) (65,424,855) ( ) 2,455,312 (56,577,305) 61,643,103 57,839,959 2,981,900 2,171,366 (36,298,512) (34,595,562) (945,840) (1,557,547) ( ) 29,835,963 (32,719,089) (584,279) (533,849) (368,425) (14,500) (270,751) (293,246) 4, ,013 (1,218,929) (528,582) 8,999,372 15,998,441 (378,844) (546,774) ( ) 513,256 (6,954,315) 陸 財務概況誠信 關懷 效率 穩健 89 (3,598,814) (4,767,120) 5,534,970 3,730, ,799 76,920 ( ) 34,542,803 (29,440,519) 874,221, ,661,538 $ 908,763, ,221, ,902, ,265, ,883, ,106, ,977, ,848,910 $ 908,763, ,221,019

92 深耕臺灣金融 邁向國際市場 ( ) 90 ( ) ( ) ( ) ( ) ( ) 4 ( ) 20,000 ( ) ( )

93 ( ) BANK F TAIWAN IFRSs ( ) ( ) IASB ( ) 陸 財務概況誠信 關懷 效率 穩健 ( ) 90,331 90,

94 深耕臺灣金融 邁向國際市場 ( ) IASB ( ) ( ) 1. ( ( ) ) ( ) ( ) 100% 100% -

95 BANK F TAIWAN ( ) 1. (1) ( ) (2) (3) (4) 2. ( ) 1. ( ) 2. 陸 財務概況誠信 關懷 效率 穩健 93 ( ) 7 ( ) 1. (1) A. B. C. ( )

96 深耕臺灣金融 邁向國際市場 94(2) (3) ( ) (4) (5) (6) (7)

97 BANK F TAIWAN 2. (1) A. B. C. ( ) (2) (3) (a) 37 (b) 3. 陸 財務概況誠信 關懷 效率 穩健 95 ( ) 20 20

98 深耕臺灣金融 邁向國際市場 ( ) 961. ( ) ( ) (1) (2)

99 BANK F TAIWAN ( ) ( ) ( ) 陸 財務概況誠信 關懷 效率 穩健 97 ( ) 1. (1) (2) (3) ( ) ( ) 1. 2.

100 深耕臺灣金融 邁向國際市場 (1) (2) ( ) (1) 41 1 ( ) ( ) 6 (2) (3) ( ) (4) 3. (1) (2) (1) (2) ( ) ( ) 1. 2.

101 BANK F TAIWAN ( ) ( ) ( ) ( ) ( ) ( ) ( ) 陸 財務概況誠信 關懷 效率 穩健 99 ( ) ( ) ( ) ( ) ( ) ( ) ( )

102 深耕臺灣金融 邁向國際市場 ( ) $ 12,048,866 11,037,948 10,613,947 7,496,928 7,240,754 5,047, ,954,966 95,193,896 44, ,612 $ 155,902, ,265, $ 155,902, ,265, ,883, ,106, ,977, ,848,910 $ 908,763, ,221,019 ( ) $ 118,420, ,102,729 (25,494) (16,955) 105,503,877 95,381, , ,306 11,473, ,146, ,552,124 $ 582,914, ,444, ,940,792 5,584, ( ) ( ) $ 155,647, ,565,661 33,502,359 9,880, ,149, ,445,793 19,194,984 19,931, , ,177 19,497,201 20,268,425 $ 208,646, ,714,218 2.

103 BANK F TAIWAN $ 23,778,638 34,295, , ,990 7,457 7,366 10,198 9,826 10,365 62, ,292 1,671,209 1,997,506 4,992,770-1,820, ,012,149 90,662,116 2,225,868 2,371,124 11,211,115 5,879,101 11,893 10, ,589 9,400 21,430,734 3,307,325 48,782 66, , ,261 (3,130) (5,294) 14,125 21, ,204 $ 189,149, ,445, $ 19,194,984 19,931, , ,177 $ 19,497,201 20,268,425 陸 財務概況誠信 關懷 效率 穩健 ( ) $ 2,894,574 3,333, ,396, ,785,572 21,727,886 10,392,515 15,302,755 57,076,615 1,000,000 1,000, ,292 1,671, ,400 1,786,800 6,599, ,000 $ 712,540, ,330,597 ( ) $ 25,613 5, $ 99, ,229 3,709 8,577 $ 103, ,806

104 深耕臺灣金融 邁向國際市場 $ (12,593) (26,820) (43,904) (130,454) (19,742) (41,405) 2,537 (13,107) (3,709) (8,577) 49, , ,704 68, ( ) ( ) ( ) $ - 2,301,508 1,746,077 3,811, ,486 60,121 $ 1,956,563 6,173, $ 449, ,417 28,032,845 18,687,286 1,053,653-8,044, ,353 - $ 38,018,153 19,036,703 ( ) $ 786 1, ,445 1,075,027 22,148,817 25,627, , ,181 16,822,797 13,233, , ,742 2,544,902 2,924,231 4,777,703 13,194,113 11,826,581 17,478,404 7,150 2,176,345 ATM 1,753,987 1,632,809 50,899 2,124, ,766 2,428,698 62,858,376 83,095, , ,986 $ 62,570,189 82,279,036

105 BANK F TAIWAN ( ) 8,177,552 8,125, $ 22,148,817 25,627,282 53,150,559 54,369,103 $ 75,299,376 79,996,385 ( ) $ 6,646,452 6,814,447 39,498,991 44,915,167 1,181,740 1,887, ,649, ,175, , , ,861, ,559,769 2,544 3, ,197, ,294, ,824, ,920, ,028, ,717, ,658, ,066,075 6,279,226 8,742,986 2,324,302,234 2,260,468,544 26,064,270 19,816,086 $ 2,298,237,964 2,240,652,458 陸 財務概況誠信 關懷 效率 穩健 $ 19,816,086 17,865,982 6,830,349 2,717,902 (2,946,129) (2,662,128) 2,248,621 1,978, ,343 (84,052) $ 26,064,270 19,816,086 ( ) $ 931, ,525 (82,833) (75,331) (525,345) (14,955) 17,529 20,085 29,088 14,415 $ 370, ,739 $ 26,434,448 20,747,825

106 深耕臺灣金融 邁向國際市場 $ 25,494 16, , ,986 26,064,270 19,816,086 56,497 98,798 $ 26,434,448 20,747, $ 6,747,516 2,642, ,293 (17,527) $ 7,284,809 2,625, ,310,953 8,812, ,921 1,359,114 ( ) $ 658,400, ,200,000 29,037,809 29,269,582 38,863,890 43,094,836 1,521,204 2,017,495 22,109,886 20,517, , ,505 23,402,461 21,919,127 24,516,164 23,652,119 (1,154,117) (1,144,651) $ 797,692, ,521,333 ( ) $ 11,422,573 6,406,850 8,527,671 7,770,770 3,405,511 9,260,435 8,990,254 14,432,630 14,244,765 8,015,510 46,590,774 45,886,195 20,941,060 18,825,135 7,940,683 6,993,548 1,900,180 1,339,850 30,781,923 27,158,533 $ 77,372,697 73,044,728

107 BANK F TAIWAN ( ) ( ) $ 30,558, ,800,466 ( ) ,840, ,311,109 ( ) ,193, ,328,632 ( ) ,377, ,334,645 ( ) , ,189 $ 36,990,117 34,792, ( ) $ 316,632 65,714 ( ) 192,334 (991,370) ( ) (31,905) 14,247 $ 477,061 (911,409) ( ) $ 6,863,133 6,863,133 ( ) 712, ,409 ( ) 1,377,872 1,377,872 ( ) 1,451,074 1,451,074 ( ) 3,793 3,793 $ 10,408,281 10,408,281 陸 財務概況誠信 關懷 效率 穩健 ( ) $ 2,787,779 2,133,923 ( ) 311,844 61,873 ( ) (134,880) (64,853) ( ) 74,944 (206,563) ( ) 3,158 1,720 $ 3,042,845 1,926,100

108 深耕臺灣金融 邁向國際市場 ( ) $ 2,259,950,882 2,164,728,571 ( ) 508,321, ,732,462 ( ) 3,449,340 3,491,444 ( ) 25,267,432 27,712,833 ( ) 102,061 98,783 ( ) 2,116,007,105 2,029,067,821 ( ) 492,334, ,864,370 ( ) 1,061, ,465 ( ) 18,059,450 20,706,907 ( ) 39,399 41, ( ) $ 38,817,038 35,522,079 ( ) 88,919,402 56,289,187 ( ) 5,713 6,626 ( ) 20,760,477 18,535,991 ( ) 70,841 52,695 ( ) 13,131,021 10,051,262 ( ) 1,813, ,304 ( ) (146,833) (70,600) ( ) 370,900 (950,941) ( ) 10,527 5,734 (1) 2,790,937 2,135,643 (2) ( ) (134,880) (64,853) (3) ( ) (4) ( ) ( ) $ 56,675,763 58,010,235 (33,467) (36,513) 1,015,013 1,536,129 10,786,413 10,779,313 (15,000) (12,426) 10,448 13,622 (105) (138) 31,726 69,811 (22,925) (62,147) 18,630 19,916 $ 68,466,496 70,317, ( )

109 ( ) BANK F TAIWAN $ 86,562,506 14,662,152 6,276,260 1,070, , , , ,453, , ,744 19,531 31,390 1, , ,279 (95,451) - (183,934) (37,463) (34,148) (685) - (351,681) - 18, ,355 4,994 5,484 24,205 (196,200) ,483-4, ,467,228 14,682,751 6,487,743 1,057, , , , ,690, ,686,694 14,676,285 6,019,377 1,070,210 1,003, , , ,458,041 53,542 5, ,398 31,501 26,835 1, , ,940 (177,730) (51,686) (223,482) (32,660) (38,629) (13,668) - (537,855) - 31, ,718 1,679 3,681 18,291 (358,343) (1,751) (643) (984) (2,232) - (5,610) ,562,506 14,662,152 6,276,260 1,070, , , , ,453, ,699 5,962,884 4,622, , , ,875-12,859, , ,585 43,907 36,547 35, , (170,895) (36,842) (31,700) (685) - (240,122) ,288-2, ,061 6,257,656 4,909, , , ,874-13,490, ,337 5,706,244 4,359, , , ,491-12,299, , ,812 47,960 38,813 38, ,585 - (50,129) (212,195) (31,788) (35,690) (13,668) - (343,470) - - (1,834) (425) (821) (2,817) - (5,897) ,699 5,962,884 4,622, , , ,875-12,859, $ 91, ,535 (616) (616) , , , ,522 19, , , , $ 86,362,248 8,425,095 1,578, , ,525 69, ,926 97,108, $ 86,600,835 8,970,041 1,660, , ,031 96, ,548 98,086, $ 86,457,272 8,699,268 1,654, , ,632 77, ,748 97,502,611 陸 財務概況誠信 關懷 效率 穩健 ,907,570 82,013,151 34,307

110 深耕臺灣金融 邁向國際市場 ( ) $ 2,374, , $ 2,645, $ 2,080, , $ 2,374, $ 1,326, , $ 1,704, $ 916, , $ 1,326, $ 941, $ 1,164, $ 1,048,025 ( ) $ 1,076,959 1,241,449 8,772,943 6,384,472 10,000 10, , , , , , ,222 1, $ 11,404,016 9,229, $ 1,076,959 1,241, $ 378, ,020 1, ,649,926 3,598,815 4,742,641 2,099,334 $ 8,772,943 6,384,472

111 BANK F TAIWAN $ 866, ,945 17,372 18,723 $ 849, , ( ) $ 1,351 (6,899) ( ) $ 1,248,612 1,242,365 46,421 22,823 (44,736) (3,810) - (16,497) 9,739 3,731 $ 1,260,036 1,248, $ 1,154,117 1,144,651 15,000 12,426 90,919 91,535 $ 1,260,036 1,248,612 陸 財務概況誠信 關懷 效率 穩健 109 ( ) $ 11,041,140 10,618,857 37,780,561 30,707,975 1,263,357 1,673,695 2,066,604 2,725, ,837, ,012,689 $ 156,988, ,738,244 ( ) $ 14,846 67,076 16,160,553 3,932,420 16,175,399 3,999,496 32,303,400 - (563,457) - 31,739,943 - $ 47,915,342 3,999,496

112 深耕臺灣金融 邁向國際市場 $ 14,846 67,076 9,456 5,773 14,733,442 3,250, , , , , , $ 16,175,399 3,999, $ 32,303,400 - (563,457) - $ 31,739, A 103 -B 103 -C 103/11/26 123/11/26 0% 1 103/11/26 133/11/26 0% /12/01 133/12/01 0% $ 3,167,000-15,201,600-13,934,800 - (563,457) - $ 31,739, ( ) $ 3,283,323 3,330, ,836, ,155,130 23,921,204 29,305,358 13,981,671 11,056, ,700-31,477,085 - $ 618,692, ,848,140

113 BANK F TAIWAN ( ) $ 7,723,199 5,612,401 1,015,478 1,665,089 2,487,611 2,596, , ,277 11,765,747 11,610,771 2,552,753 2,931, , ,888 7,949 2, , , ,177,539 2,459,106 2,481,515 5,476,557 5,216,002 ATM 1,715,625 1,638, , ,355 3,045,600 6,581, , , , ,375 $ 41,039,673 44,758,616 ( ) $ 34,679,592 32,035, ,835, ,810, ,415, ,486, ,825, ,792,178 2,901, , ,193, ,153,584 23,964,049 23,686,085 1,012,102 1,074, ,167, ,070, ,933, ,703, ,153, ,175,449 $ 3,554,081,722 3,409,605,226 陸 財務概況誠信 關懷 效率 穩健 111 ( ) /12/2 112/12/2 0.15% 103/6/25 113/6/ % /6/27 113/6/ % $ 16,000,000 16,000,000 5,500,000-2,000, /6/27 113/6/ % 1,500,000 - (2,388) (1,760) $ 24,997,612 15,998,240

114 深耕臺灣金融 邁向國際市場 ( ) $ 99, ,398 1,657,544 1,031,300 $ 1,756,954 1,243,698 ( ) $ 16,041,209 15,565,848 1,144, , ,468, ,594,551 $ 257,654, ,766,904 ( ) $ 8,059,808 7,657,890 7,746,881 7,650, , ,404 $ 16,041,209 15,542, $ 15,060,304 14,507,378 (6,910,165) (6,742,326) 8,150,139 7,765,052 (90,331) (107,162) $ 8,059,808 7,657,890 (1) ( ) 1,067,750 (2) $ 14,507,378 13,895,584 (717,780) (489,010) 883, ,479 ( ) 387, , $ 15,060,304 14,507,378

115 BANK F TAIWAN (3) $ 6,742,326 6,380, , ,110 (650,477) (509,391) 140, ,861 ( ) (46,665) (23,206) $ 6,910,165 6,742,326 (4) $ 584, , , ,385 16,831 16,831 (140,457) (103,861) $ 759, ,449 (5) $ (667,717) (386,186) (434,037) (281,531) $ (1,101,754) (667,717) 陸 財務概況誠信 關懷 效率 穩健 113 (6) % 2.15% 2.16% 2.15% 2.00% 2.00% 843,433 (7) $ 15,294,824 14,507,378 13,895,587 13,494,572 (6,910,165) (6,742,326) (6,380,952) (6,265,722) ( ) $ 8,384,659 7,765,052 7,514,635 7,228,850 $ 387,372 1,112, ,435 - $ 46,665 23,206 21,754 -

116 深耕臺灣金融 邁向國際市場 (1) $ 7,746,881 7,650, ,746,881 7,650, ( ) $ 7,746,881 7,650,766 1,971,301 2,175,356 (2) % 4.00% 2.00% 2.00% 1.00% 1.00% ( ) 50.00% 50.00% 3. (1) $ 234, , $ 234, ,404 4,790 3,161 ( ) 16,802 46,473 (2) % 2.15% 2.16% 2.15% ,408 1,330 ( ) $ 2,265,707 2,030,029 3,619,667 3,998,511 43, ,315 8,239 8,239 1,264,803 1,266,345 $ 7,202,223 7,491,439

117 BANK F TAIWAN ( ) 1. ( ) $ 1,248,477 1,379,799 ( ) (63,332) 49,824 $ 1,185,145 1,429, ( ) $ (7,547) 38,135 ( ) $ 1,603,670 1,504,084 $ (57,391) 46, , ,777 88,841 7,892 (1,076,611) (1,052,101) 62, ,611 $ 1,185,145 1,429,623 (1) 陸 財務概況誠信 關懷 效率 穩健 $ 237,929 3, ,804 65,150 95, ,622 (40,628) - (40,628) $ 262,451 99, , $ 206, , ,095 (51,650) (120,285) (171,935) 82,644-82, $ 237,929 3, , $ 18,155, ,645-18,299,657 ( ) (11,812) 13,709 95,393 97,290 - (48,175) - (48,175) $ 18,143, ,179 95,393 18,348, $ 18,201,296 33, ,160 18,358,855 (46,284) 320 (124,160) (170,124) - 110, , $ 18,155, ,645-18,299,657

118 深耕臺灣金融 邁向國際市場 $ 8,139,902 7,176, $ 710, , ( ) 1. 9,500,000 7,000, ,000,000 2,500, ( ) ( ) $ (308,917) 21,833,905 21,524, , ,615-1,382,878 1,382, $ 273,698 23,216,783 23,490, $ (363,405) 18,046,248 17,682,843 54,488-54,488-3,787,657 3,787, $ (308,917) 21,833,905 21,524,988

119 BANK F TAIWAN 5. (1) (2) (3) 30 (4) ( ) ,893 43,083 (5) ( ) $ 44,033,225 42,026,577 10,441,240 6,759,743 9,701,598 9,340,088 32,524 35,663 13,192 30,539 1,011,084 1,059,673 65,232,863 59,252,283 32,726,729 31,101,979 3,167,445 2,075, ,976 97, ,108 19,788 5,230 64,596-5,349 36,453,488 33,364,389 $ 28,779,375 25,887,894 陸 財務概況誠信 關懷 效率 穩健 117

120 深耕臺灣金融 邁向國際市場 ( ) $ 890, , , , , , , , , ,597 3,650,253 3,484,895 6,020,775 5,875,607 89,190 90,110 12,891 12, , , , , , ,000 $ 5,438,609 5,275,607 ( ) $ 2,995,469 2,247, , ,784 ( ) 6,101,140 4,351,628 9,936,862 7,556,914 5,977,969 6,590,692 $ 15,914,831 14,147,606 ( ) $ 1,260,429 1,000, , ,773 1,544,021 1,220, , ,338 $ 1,062,198 1,007,390 ( ) $ 20,948,956 20,863, ,485, ,856,424 12,946,954 15,696,251 (24,452,013) (26,426,619) (140,034,847) (133,425,788) (23,874,056) (21,922,128) (10,663,770) (10,820,906) 210, ,783 $ (24,432,806) (21,313,840)

121 BANK F TAIWAN ( ) $ 10,194,310 10,106, , , , , , ,698 $ 11,723,709 11,562,624 ( ) $ 830, , , ,146 $ 1,207,656 1,282,422 ( ) $ 2,828,823 1,766, , , , , , , , , , , , , , , , ,683 62,158 52, , ,109 $ 6,403,944 5,179,966 陸 財務概況誠信 關懷 效率 穩健 119 ( ) / $ 9,433,353 8,248,208 8,847,551 7,417,928 9,500,000 9,500,000 9,500,000 9,500,000 ( ) $

122 深耕臺灣金融 邁向國際市場 ( ) 120 $ 155,902, ,902, ,914, ,914, ,646, ,646,968 25,613 25,613 1,956,563 1,956,563 62,570,189 62,570,189 2,298,237,964 2,298,237, ,692, ,692,802 77,372,697 78,035,392 1,015,013 1,015,013 10,771,413 10,771,413 56,680,070 56,680, ,988, ,988,830 47,915,342 47,915, , ,024 38,018,153 38,018,153 41,039,673 41,039,673 3,554,081,722 3,554,081,722 24,997,612 24,997,612 1,756,954 1,756,954 $ 119,265, ,265, ,444, ,444, ,714, ,714, ,521, ,521,333 5,443 5,443 6,173,451 6,173,451 82,279,036 82,279,036 2,240,652,458 2,240,652,458 73,044,728 73,675,942 1,536,129 1,536,129 10,766,887 10,766,887 58,014,786 58,014, ,738, ,738,244 3,999,496 3,999, , ,806 19,036,703 19,036,703 44,758,616 44,758,616 3,409,605,226 3,409,605,226 15,998,240 15,998,240 1,243,698 1,243,698 ( ) 1.

123 BANK F TAIWAN 2. ( ) ( ) 3. (1) (2) 4. ( ) ( ) Bloomberg ( ) ( Reuters ) 陸 財務概況誠信 關懷 效率 穩健 121 ( ) ( ) ( ) 3.

124 深耕臺灣金融 邁向國際市場 $ 185,360, ,802,360 44,557, ,862, ,536,970 26,325,896 74,683,461 74,683, ,047,927 2,495, ,814-88,131,478 62,358,396 25,773,082-19,497,201 1,265,390 18,231, ,692,802 50,720, ,972,209 45,200,564 45,200, ,848,129 3,265,349 86,582, ,644,109 2,254, ,389,429-31,739,943-31,739,943-31,739,943-31,739,943-23,286,901-23,286,901-25,613-25,613-16,175,399 9,112 16,166, , , $ 160,979, ,830,044 59,852, , ,711,073 98,990,260 41,720,813 54,301,549 54,301, ,319,365 2,699, ,377-83,090,159 41,988,723 41,101,436-20,268,425 1,839,784 18,131, , ,521,333 49,180, ,340,937 43,866,637 43,866, ,623,633 4,455,616 88,168, ,031, , ,172,920-5,734,720-5,734,720-5,443-5,443-3,999,496 34,966 3,964, , ,806 -

125 BANK F TAIWAN $ 297, , , $ 297, , , $ 1,146,388 14,268 29, , , ,900 1, , , , $ 1,349,288 15, ,727-1,102, , ,056 ( ) 0.01 : $ 6 (6) (1) 陸 財務概況誠信 關懷 效率 穩健 123

126 深耕臺灣金融 邁向國際市場 ( ) ( ) ( ) (1) (2)

127 BANK F TAIWAN A. 8 B (1) (2) (3) ( ) (1) ( ) ( ) $ 126,259 96,311 86,974 62, , , , ,103 69,832 67,301 67,424 61, , , , , ,957 1,957 6,173 6,173 51,481 27,940 86,203 58,437 2,324,302 2,197,992 2,260,469 2,141,316 27,527 17,168 15,376 12,623 74,802 27,432 70,418 23,183 $ 4,056,817 2,676,169 3,944,022 2,623,316 陸 財務概況誠信 關懷 效率 穩健 , ( ) (1) ( 29,948 ) (2) ( 453,046 ) (3) (1,996 ) (535 ) (4) (29,217 ) (658,326 ) (5) (1,392 ) (22,149 ) (6) (126,310 ) (7) (10,359 ) (8) (47,370 ) 3. 4.

128 深耕臺灣金融 邁向國際市場 1. 8, ( ) (1) ( 24,071 ) (2) ( 439,358 ) (3) (602 ) (4,989 ) (4) (29,508 ) (625,270 ) (5) (2,139 ) (25,627 ) (6) (119,153 ) (7) (2,754 ) (8) (47,235 ) (2) ( ) ( ) ( ) $ 453,152 22, ,971 93,801 29,146 28,308 32,738 32,362 83,522 83,522 83,280 83,276 $ 565, , , , (1) 430,540 (2) (1) 390,170 (2) 376 (3)

129 BANK F TAIWAN (1) ( ) ( ) $ 1,097, % 1,058, % 827, % 785, % 390, % 426, % 403, % 367, % 117, % 144, % 126, % 124, % 497, % 455, % $ 3,460, % 3,361, % 1. ( 2,324,302 ) ( 214,731 ) ( 921,693 ) ( ) ( ( 6,279 ), ( 2,260,469 ) ( 209,006 ) ( 891,683 ) 8,743, 2. 陸 財務概況誠信 關懷 效率 穩健 127 (2) ( ) ( ) $ 3,080, % 3,007, % 380, % 353, % $ 3,460, % 3,361, % 1. ( 2,324,302 ) ( 214,731 ) ( 921,693 ) 6,279, ( 2,260,469 ) ( 209,006 ) ( 891,683 ) 8,743, 2.

130 深耕臺灣金融 邁向國際市場 (3) ( 1) ( 1) $ 1,011, % 995, % 1,313, % 1,265, % ( ) 164, % 165, % 97, % 104, % 967, % 915, % 82, % 79, % % % $ 2,324, % 2,260, % ( ) ( ) ( 6,279 8,743 ) 2. A (A) (C) (B) (A)+(B)+(C) (D) (A)+(B)+(C)-(D) 156,611 93, , , ,839 26,495 12, ,602 3,633 4, ,370 1,032,090 5,304,400 2,082,512 1,344, ,646 10,416, ,991 10,602,355 88,779 78,725 10,434, ,360,664 1,168,514, ,759, ,229, ,772,428 2,294,636,665 29,665,569 2,324,302,234 9,810,913 16,253,357 2,298,237, (A) (C) (B) (A)+(B)+(C) (D) (A)+(B)+(C)-(D) 136,076 82, , , ,819 27,169 6, ,739 3, , ,418 4,250,300 1,644,828 1,318, ,091 8,595, ,199 8,879, , ,494 8,606, ,073,655 1,098,504, ,111, ,836, ,981,970 2,221,507,826 38,960,718 2,260,468,544 8,294,687 11,521,399 2,240,652,458 B ,310, ,728, ,038,797 11,550,000 12,942,443 23,291,330 2,025, ,289 50,015,068 85,333, ,397, ,813, ,035,922 21,774, ,355, ,888,924 6,377,570-29,946, ,213,392 4,166,525 25,557,167 63,277,378 28,168,700 91,844, ,014, ,360,664 1,168,514, ,759, ,229, ,772,428 2,294,636, ,152, ,285, ,438,584 11,740,000 9,125,920 25,096,598 5,356, ,394 51,656,180 79,084, ,692, ,635, ,516,989 21,198, ,127, ,591,313 6,795,765-29,997, ,384,121 3,096,582 22,809,249 47,583,115 23,963,054 92,449, ,901, ,073,655 1,098,504, ,111, ,836, ,981,970 2,221,507,826

131 (4) (A) (B) (C) (A)+(B)+(C) BANK F TAIWAN (D) (A)+(B)+(C)-(D) 58,836,806 20,556,843 9,626, ,584 89,848,129-1,154,117 91,002,246 1,154,117 89,848,129 1,042,982 13,777,469 29,245, ,748 44,974,336-44,974,336-44,974, ,326, ,174 1,923,493-2,441, ,870, ,870, ,870,337 53,961,320 2,726,381 4,899,918 1,387, ,980 63,076,753-63,076,753-63,076,753 12,395, , ,050 1,108,430-14,295,944-14,295,944-14,295, ,758,726 10,758,726 27,687 10,786,413 15,000 10,771,413 1,015, ,015,013-1,015,013-1,015,013 (A) (B) (C) (A)+(B)+(C) (D) (A)+(B)+(C)-(D) 59,378,225 22,473,020 9,519,261-1,253,127 92,623,633-1,144,651 93,768,284 1,144,651 92,623,633 8,541,478 22,921,179 11,697, ,882 43,866,637-43,866,637-43,866, ,244,894 1,187, , , ,031, ,031, ,031,063 39,234,936 1,986,672 5,511,650 1,180,295 98,260 48,011,813-48,011,813-48,011,813 24,288, , , ,032,915-25,032,915-25,032, ,751,626 10,751,626 27,687 10,779,313 12,426 10,766,887 1,238, ,800 1,536,129-1,536,129-1,536,129 陸 財務概況誠信 關懷 效率 穩健 ~3 $ 2,463 3,528 5, ~3 $ 4,031 3,083 7,114

132 深耕臺灣金融 邁向國際市場 ,444,146 4,282,588 12,221,423 5,528,325 2,294,636,665 16,253,357 2,324,302,234 26,064, ( ) , , ,030 86, ,577, , ,996, ,178 26,434, ,226,653 3,746,466 12,734,065 4,548,221 2,221,507,826 11,521,399 2,260,468,544 19,816,086 ( ) , , , , ,335, , ,291, ,739 20,747,825

133 8. (1) BANK F TAIWAN (%) ( 1) ( 2) (%)( 3) 2,909, , ,106, ,869, % 0.09% 9,004,821 8,988, % 1,033.11% ( 4) 1,838, ,234, % 4,891, % ( 5) 22,325 5,830, % 90, % 1,317, ,896, % 1,965, % 253,205 31,365, % 1,124, % 7,211,543 2,324,302, % 26,064, % 2, , % 11, % ( 7) - 4,777,703-47, (%) ( 1) ( 2) (%)( 3) 5,602, , ,195, ,598, % 0.09% 7,555,467 6,483, % % ( 4) 2,003, ,187, % 3,383, % ( 5) 39,137 6,170, % 83, % 1,246, ,045, % 1,251, % 240,896 36,271, % 1,058, % 10,007,352 2,260,468, % 19,816, % 4,859 1,037, % 14, % ( 7) - 13,194, ,796 - 陸 財務概況誠信 關懷 效率 穩健 = / = / 3 = / 4 ( ) ( ) (2) ,388-2,272-63,399 22,034 79,898 21,374 64,787 22,034 82,170 21,374

134 深耕臺灣金融 邁向國際市場 (3) % (%) 1 A 71, % 2 B 49, % 3 C 31, % 4 D 26, % 5 E 17, % 6 F 15, % 7 G 14, % 8 H 12, % 9 I 12, % 10 J 11, % (%) 1 A 72, % 2 B 51, % 3 C 34, % 4 D 23, % 5 E 18, % 6 F 16, % 7 G 16, % 8 H 15, % 9 I 13, % 10 J 13, % (4) % $ 137,923, ,198, ,737, ,493, ,539, ,442, ,335,987, ,219,992, ,043,141-12,892, ,108, ,818, ,446, ,632, ,802, ,168, ,628,630, ,642,580, ,520, ,891, ,753, ,493, ,701, ,150, ,454, ,314,

135 BANK F TAIWAN ( ) 1. : 2. (1) (2) (3) A. 15 B C D E. 1 F. 陸 財務概況誠信 關懷 效率 穩健 133

136 深耕臺灣金融 邁向國際市場 ,947, ,947,631 10,519, ,536, ,009, ,828, ,894,481 26,619,609 8,983,456 3,922, ,120, ,646,968 1,956, ,956, ,068,604 55,194,394 62,130, ,298, ,692, ,346,733 5,735,462 3,482,523 66,807,979 77,372,697 25, , ,771,413 10,771, ,015,013 1,015, ,808,701 36,808,701 21,495,107 1,195, ,114 17,036,075 40,709, ,781, ,783, ,874,946 1,513,936,513 2,311,376, ,310,952 6,310, ,761, ,429, ,403,840 2,217,934,626 4,231,528, ,225,819 41,407,130 27,612,866 41,743, ,988,830 18,812,901 18, ,117 21,499,894 41,057,322 84,575 6,325 22,765 47,801,677 47,915,342 18,816,086 18,014,255 1,187,812-38,018, , ,024 1,566,710 9, ,868 1,756, ,592, ,682,260 1,163,261,851 1,627,544,640 3,554,081, ,202, ,137,756 1,192,811,411 1,738,770,094 3,839,921,347

137 BANK F TAIWAN ,071, ,071,397 46,303, ,834, ,593, ,906, ,637,968 29,103,324 11,889,240 1,891, ,830, ,714,218 6,173, ,173, ,863,357 72,151,111 43,016, ,489, ,521,333 3,028,658 4,458,451 1,772,046 63,785,573 73,044,728 5, , ,800 10,469,087 10,766, ,536,129 1,536, ,792,041 34,792,041 18,590,736 1,099, ,290 37,235,453 57,467,737 陸 財務概況誠信 關懷 效率 穩健 ,301, ,827, ,781,358 1,475,001,443 2,244,911,807 89, ,723,517 8,812, ,530, ,259, ,895,478 2,067,769,894 4,074,455, ,004,745 69,604,499 23,205,716 30,923, ,738,244 2,308,073 22, ,522 42,291,757 44,813, ,138 12,436-3,688,922 3,999,496 7,559,338 10,139,305 1,338,060-19,036, , , ,480 5, ,398 1,243, ,132, ,538,416 1,092,957,454 1,677,983,268 3,409,612, ,373, ,322,508 1,117,692,752 1,755,280,629 3,731,669,370

138 深耕臺灣金融 邁向國際市場 ( ) 13,459,995 8,415,236 3,019, , ,473-26,416,442 13,457,093 8,415,085 3,019, , ,473-26,413,389 ( ) 661,292, ,724, ,989,232 56,812,069 3,274,691 15,552,846 1,206,645, ,926, ,052, ,324,138 67,170,483 8,639,606-1,242,113, ( ) ,677,870 22,562,838 17,503,414 7,367, ,200-64,045,681 15,674,033 22,562,826 17,503,414 7,367, ,200-64,041,832 ( ) 464,112, ,100,965 70,001,818 34,905,452 2,418, ,539, ,129, ,354,922 73,466,910 40,557,600 2,324, ,833, , ,284,296 1,683, ,469,577 18,416, ,988, , ,817 10,564,271 2,233,385 4,764,923 8,697,743 2,885,282 29,145,604 59,987,734 1,618,619 2,659,328 9,277,132 9,978,899 83,521,712 70,686, ,136,300 9,108, ,444,452 31,443, ,818, ,758,896 4,118,989 5,517, ,411, ,983, ,789, , ,155 12,101,424 1,883,702 4,756,040 11,070,019 2,926,396 32,737,581 59,546,656 2,682,266 4,270,037 6,726,054 10,054,518 83,279, ,406,976 8,684,957 14,543, ,207, ,145, ,987,675

139 BANK F TAIWAN ( ) (347,515) (668,851) (423) (1,016,789) ( ) 164, , ,145 (183,213) (523,008) (423) (706,644) ( ) (339,419) (601,210) (2,218) (942,847) ( ) 163, , ,312 (175,651) (406,666) (2,218) (584,535) 陸 財務概況誠信 關懷 效率 穩健 $ 3,572,506, ,125, ,008, ,620, ,014, ,220,542 1,296,516,492 3,922,205, ,893, ,359, ,930, ,736, ,129,168 1,413,156,233 (349,699,515) 197,232, ,648,769 (2,310,204) (206,722,100) (597,908,626) (116,639,741) $ 4,117,733, ,463, ,559, ,852, ,938, ,868,601 1,858,049,819 4,415,453, ,116, ,534, ,392, ,306, ,257,389 2,000,846,171 (297,719,782) 313,346, ,025,555 (3,539,703) (122,367,412) (495,388,788) (142,796,352)

140 深耕臺灣金融 邁向國際市場 $ 45,203,458 16,092,595 10,230,926 5,266,681 2,692,906 10,920,350 45,203,458 22,283,601 8,984,827 3,516,780 1,934,638 8,483,612 - (6,191,006) 1,246,099 1,749, ,268 2,436, $ 39,266,625 16,050,485 10,035,536 3,997,457 1,794,465 7,388,682 39,266,625 20,234,639 10,487,811 2,500,952 1,815,095 4,228,128 - (4,184,154) (452,275) 1,496,505 (20,630) 3,160,554 ( ) (1) (2) (3) ( )

141 BANK F TAIWAN 4. (1) (2) (3) A bp 3 15 B. C. 5. (1) (2) (3) PV01 Duration 6. (1) (2) (3) 7. (1) (2) 3 8. (1) 陸 財務概況誠信 關懷 效率 穩健 139

142 深耕臺灣金融 邁向國際市場 140(2) (3) (4) (1) ,170 3, ,377 3,288 (2) / 3 1,889 1,806 1,474 1,628 / 3 1,889 1,806 1,474 1,628 (3) 15 8,202 8,068 7,112 6, ,202 8,068 7,112 6,708 (4) 100BPS (3,170) (170) 100BPS 3, / 3 1,474 1,889 / 3 (1,474) (1,889) 15 7,112 8, (7,112) (8,202) 100BPS (3,030) BPS 3, / 3 1,628 1,806 / 3 (1,628) (1,806) 15 6,708 8, (6,708) (8,068)

143 BANK F TAIWAN 10. ( ) ( ) ( ) 1811 ( ) 1 $ 1,676,007,564 1,301,960, ,615, ,841,761 3,280,425, ,892,229 2,625,338, ,231,113 74,877,647 3,246,339,946 1,434,115,335 (1,323,378,588) (196,615,513) 119,964,114 34,085, ,861,201 ( ) ( ) ( ) ( ) 1811 ( ) 1 $ 1,720,985,490 1,274,789,722 85,152, ,984,927 3,225,912, ,861,239 2,528,756, ,908,052 80,452,128 3,172,977,992 1,426,124,251 (1,253,966,851) (183,755,296) 64,532,799 52,934, ,780,410 ( ) ( ) 陸 財務概況誠信 關懷 效率 穩健 141 ( ) ( ) ( ) 1811 ( ) 1 $ 25,410,086 5,370,211 3,000,170 2,098,376 35,878,843 25,125,789 5,866,968 1,856,361 2,291,247 35,140, ,297 (496,757) 1,143,809 (192,871) 738,478 53,682 ( ) ( ) 1, ( ) ( ) 1811 ( ) 1 $ 22,206,078 3,734,942 2,091,701 1,942,820 29,975,541 22,323,037 4,958,929 1,805, ,034 29,652,861 (116,959) (1,223,987) 285,840 1,377, ,680 52,754 ( ) ( )

144 深耕臺灣金融 邁向國際市場 / (USD) 801,710 25,390,156 (CNY) 569,685 2,904,824 (GBP) 18, ,757 (JPY) 2,973, ,877 (SGD) 15, , / (USD) 719,263 21,419,652 (CNY) 371,977 1,827,523 (GBP) 18, ,142 (JPY) 2,994, ,499 (AUD) 19, , $ 16,638,731 96,384, ,023,573 80,601,722 25,367, ,968,917 53,268,748 25,866,858 79,135,606 9,658,455 39,531,628 49,190,083-25,613 25,613 7,113,220 2,453,653 9,566, , , , ,374, ,256, ,631,590 7,676,709 24,915,360 32,592,069 9,843 1,035,605 1,045,448 29,970 18,195 48,165 3, , ,396 50, , ,484 46, ,979 $ 326,113, ,115, ,228,590 $ 6,811,372 90,258,661 97,070, ,186 32,460,624 32,826, , , ,714 9,408,169 9,535,883 2,621,332 2,097,922 4,719,254 18,374 4,423 22, ,185, ,149, ,334,639 12,668 1,644,876 1,657,544 13,492 10,069 23,561-62,751 62,751 81,507,109 27,029, ,536,860 $ 411,663, ,229, ,893,156

145 BANK F TAIWAN $ 13,881,090 63,008,457 76,889, ,659,440 18,885, ,545,079 37,866,138 23,321,512 61,187,650 9,895,037 38,556,948 48,451,985-5,443 5,443 17,061,423 4,998,330 22,059,753 94, , , ,926,698 87,777, ,704,368 7,591,407 21,311,241 28,902,648 1,550,425 21,784 1,572,209 26,672 19,365 46,037 1, , ,124 92, , ,056 4,359,176 4,506,232 $ 335,863, ,494, ,357,387 $ 98,759,061 77,516, ,275, , , , , ,806 3,026,641 3,107,635 6,134,276-5,894 5, ,070, ,891, ,962, , ,785 1,031,300 6,435 9,207 15, , ,927 58,538,458 36,093,134 94,631,592 $ 444,790, ,200, ,990,870 陸 財務概況誠信 關懷 效率 穩健 143 ( ) ( )

146 深耕臺灣金融 邁向國際市場 ( ) (1) : ( ) (2) 2. : 1. (1) ( IRB ) (2) ( ) (3) 2. 3.

147 ( ) BANK F TAIWAN ,517, ,355, ,204,345 34,157, ,721, ,513,137 1,836,910,103 1,768,858, ,374,030 56,984,163 51,777, ,770,575 71,523, ,980,664,841 1,896,533, % 10.73% 8.76% 8.93% 8.76% 8.93% 2.87% 3.58% ( ) 6. = / 陸 財務概況誠信 關懷 效率 穩健 145 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( )

148 深耕臺灣金融 邁向國際市場 ( ) $ 10,207 9, $ 10,505 10,400 ( ) % % $ 5,578-6, $ 21,346,139 4,433, ~ , $ 21,751,792 2,229, ~ , % % $ 1,629-1, , , $ 125, , % % ( ) $ 3,649, ,598, , , $ 3,656, ,605, % % $ 182, ,

149 BANK F TAIWAN $ 13,033, , ~ , $ 11,453, ~ % % $ 529, , ,972, ,922, , , , ,698-15,574-32,022-42,568-46, ,891-25,885-14,165 - $ 12,604, ,764, 陸 財務概況誠信 關懷 效率 穩健 % % $ , , $ 2, , % % $ 2, , , , $ 4, , % % $ 118, , , $ 121, ,

150 深耕臺灣金融 邁向國際市場 % % $ , , , , $ 133, , % % $ 631, , , , $ 634, , % % $ 19, , % % $ 243, , (2,032) 0.01 (1,740) , , $ 383, , % % $ 3, , % % $ 29, , , , , , $ 103, , % % $ , , $ 39, ,

151 BANK F TAIWAN 41 20,008 13,451 13, , , ,553-9,000, ,000, ,129 27,362 27,362 - ( ) 11,550,000 11,550,000 11,550, , , , , , ,000-1,590, , , , , , , , , , , , , , ,955 16,355 16, , , ,285 - ( ) 11,500, ,000, ,000 29,129 29,129 - ( ) 11,600,000 11,600,000 11,600,000 - ( ) 52,236 52,236 52,236-50,000 50,000 50,000-1,250, , , , , , , , , , , , ,791 - ( ) 陸 財務概況誠信 關懷 效率 穩健 149

152 深耕臺灣金融 邁向國際市場 ~ ,931, , , ~ ,120 (2,066) (2,066) ~ ,242,011 1,058,994 1,058, ~ ~ ~ ~ ~ ,691 4,939 11,849, ,843 2,991,810 (18,040) 13,920, ,910 14,654,226 (68,103) 4, ,843 (18,040) 119,910 (68,103) % % $ 13, , , , , , $ 76, , $ 368, , , ,000 50,000 50, , ,000 11,000,000 5,000,000 36,000,000 20,000,000 $ 47,968,800 25,879,500

153 BANK F TAIWAN ( ) $ 52,183,034 52,322,587 ( ) 1,498,483 3,339,044 1,269,239 1,229,319 ( ) 1,840,395,253 1,668,910,750 29,145,605 32,737,581 21,295,601 14,316,968 ( ) 1,708,743,226 1,558,048, ,947, ,318, ,858, ,860, ,507, ,737,836 2,280,236 2,330, ,438, ,650,876 83,521,712 83,279,532 $ 6,024,084,228 5,494,082,455 ( ) 陸 財務概況誠信 關懷 效率 穩健 $ 30,455,662 31,238,139 4,240,140 4,401, ,853, ,442, ,435, ,695,311 40,506,379 46,403,259 1,516,687 1,408,992 3,356 1, , ,029 1,552,508 8,002, ,953,770 12,419, , ,500 13,581,464 6,099,891 57,826,390 48,652,533 $ 546,438, ,650,876

154 深耕臺灣金融 邁向國際市場 $ 404, ,829 1,561,500 7,975,500 3,938 4, ,826,390 48,652, ,939, ,836, ,262 2,497,474 35,041,987 27,195,633 43,116,285 33,383,769 10,833,032 (1,095,677) 4,258,025 9,193,039 21,332,988 20,704,931 $ 546,438, ,650, , , $ 30,455,662 31,238,139 4,240,140 4,401, ,853, ,442, ,435, ,695,311 40,506,379 46,403,259 13,953,770 12,419, , ,500 13,581,464 6,099,891 57,826,390 48,652,533 $ 542,971, ,497, $ 10,284,346 9,433, ,254 2,318, ,644-1,124,155 4,083,806 3,832,346 1,734,464 1,022,769 1,799, , ,848 1,312, ,399 2,771, ,682 22,309,800 21,215, , ,886 5,542 5, ,736 7, ,040-51,859 22, , ,238 $ 21,332,988 20,704,931

155 BANK F TAIWAN ( ) ( ) ( ) ( ) 陸 財務概況誠信 關懷 效率 穩健 153 ( ) ,952 10,194,310 10,253,262 53,631 10,106,307 10,159, , , , , , ,017 2, , ,967 2, , , , , , ,698 38, , ,569 37, , , , , , ,146 7,999 8,028 ( ) ( ) $ 2,301,083 (131,953) 2,169,130 70,317,917 (115) 70,317, ,406 33, ,804-9,031, ,444 9,229,150

156 深耕臺灣金融 邁向國際市場 ( ) $ 44,813,384 (54,768) 44,758, ,506 34, ,430 3,409,612,039 (6,813) 3,409,605,226 18,266,259 33,398 18,299,657 50,961,023 92,033 51,053, ( ) 102 $ 2,697,538 (72,494) 2,625,044 1,449,163 (19,539) 1,429,624 7,325,894 92,033 7,417, $ ,398 19,836 33,398 19, ,796 65, , , , , ,051 10, ,717 44, ,275 1,275

157 BANK F TAIWAN ( ) $ 29,643,920 32,288, ,064,547 99,412,781 12,744,906 19,220, ,845,846 57,668,646 9,488 11,935 2,906 3,992 9,621,079 9,585,446 $ 240,932, ,192,470 $ - 6, ,029 1,591, ,468, ,594, $ 240,932, ,192, $ 1,582,659 1,447,520 (24,106) 22,715 10,426,444 9,724,337 2,592, ,029 20,948,956 20,863,142 ( ) 12,946,954 15,696,251 (24,452,013) (26,426,619) (23,874,056) (21,922,128) (91,790) (94,103) 84,701 82, , ,024 - (55) 122, ,427 3,796 4,148 14,149 12, , ,024 $ - - 陸 財務概況誠信 關懷 效率 穩健 155

158 深耕臺灣金融 邁向國際市場 ( ) (1) A 28,840 43,263 13, B 28,325 43,177 14,852 - (2) ( ) ( ) 1 267,979 -% 1 ( ) ( ) 2 267,979 -% 0 ( ) ( ) 1 73,067 -% 1 ( ) ( ) 2 73,067 -% 0 ( ) ( ) 1 1,282,984 -% 1 ( ) ( ) 2 1,282,984 -% 0 ( ) ( ) % 1 ( ) ( ) % 0 ( ) ( ) % 1 ( ) ( ) % 0 ( ) ( ) 1 6,950 -% 1 ( ) ( ) 2 6,950 -% 0 ( ) ( ) 1 4,128 -% 1 ( ) ( ) 2 4,128 -% 0 ( ) ( ) % 1 ( ) ( ) % 0 ( ) ( ) % 1 ( ) ( ) %

159 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 38 7F BANK F TAIWAN 21.23% 30,558,945 2,787,779 1,980,424,762-2,338,861, % 17.77% 2,840, , ,011, ,136, % % 1,377,683 74,944 74,802,414-74,802, % 91.86% 2,193,752 (134,880) 303,131, ,131, % 30.00% 18,799 3,158 1,500,000-1,500, % % 252, ,265 2,000-2, % ( ) 5,099,000 CNY 1,000,000 ( ) 2,549,500 2,549,500 CNY 500,000 CNY 500,000-5,099,000 CNY 1,000, % 282,396 5,404,247 - 陸 財務概況誠信 關懷 效率 穩健 157 ( ) ( ) ( ) ( ) ( ) 2. 5,099,000 5,099, ,508,884 ( )

160 深耕臺灣金融 邁向國際市場 ( ) ( ) ( ) 158( ) ( ) 103 $ 63,650,091 1,582, (346) 65,232,863 36,453, (346) 36,453,488 27,196,257 1,582, ,779,375 18,232,770 12,994, ,222 41, ,043 (206,265) 31,706,902 (10,334,880) (14,437,248) 2, ,353 (758) (11,560) (24,432,806) 35,094, , , , ,631 (217,825) 36,053,471 (7,284,809) (7,284,809) (18,881,425) (139,999) (111,303) (82,023) (132,119) 11,560 (19,335,309) ( ) $ 8,927, , , ,512 (206,265) 9,433,353 ( ) $ 7,785, , , ,265 (206,265) 8,248,208 $ 4,169,425, ,932,692 2,587,268 1,090, ,006 (11,944,131) 4,402,470,508 $ 3,915,707, ,932,692 2,432, , ,870 (11,691,995) 4,148,289, $ 57,804,653 1,447, (117) 59,252,283 33,364, (117) 33,364,389 24,440,147 1,447, ,887,894 13,913,684 10,487, ,582 26, ,317 (129,355) 24,923,553 (9,744,911) (11,800,576) (10,504) 249,160 (174) (6,835) (21,313,840) 28,608, , , , ,260 (136,190) 29,497,607 (2,625,099) (2,625,044) (17,622,953) (134,080) (118,595) (79,808) (76,411) 6,835 (18,025,012) $ ( ) 8,360, , , ,849 (129,355) 8,847,551 $ ( ) 6,957, , , ,355 (129,355) 7,417,928 $ 4,043,745, ,192,470 3,145,911 1,594, ,057 (12,577,619) 4,254,400,595 $ 3,796,131, ,192,470 2,881,349 1,398, ,702 (12,428,264) 4,006,326,459

161 ( ) 30,577,743 28,817, ,790,937 2,135, ( ) BANK F TAIWAN 陸 財務概況誠信 關懷 效率 穩健 159 (88) ( )

162 深耕臺灣金融 邁向國際市場 % % ( ( ) ) $ 155,902, ,265,263 3 ( ( ) ( ) ) 582,914, ,444, ( ( ) ( ) ) 208,646, ,714, ( ( ) ) 25,613-5,443 - ( ( ) ) 1,956,563-6,173, ( ( ) ( ) ) 62,547, ,258, ,878,465-2,169, ( ( ) ) 2,298,237, ,240,652, ( ( ) ( ) ) 797,692, ,521, ( ( ) ) 77,372, ,044, ( ( )) 37,242, ,941, ( ( ) ( ) ( ) ( ) ) 68,466, ,317, ( ( ) ( )) 97,103, ,497, ( ( )) 940,987-1,047,495 - ( ( )) 357, , ( ( ) ( ) ) 11,399,279-9,227,485 - $ 4,402,685, ,254,518,

163 BANK F TAIWAN % % ( ( ) ) $ 156,988, ,738,244 6 ( ( ) ) 47,915, ,999, ( ( ) ) 103, ,806 - ( ( ) ) 38,018, ,036,703 - ( ( ) ) 41,013, ,746, , ,072 - ( ( ) ) 3,554,349, ,409,797, ( ( ) ) 24,997,612-15,998,240 - ( ( ) ) 1,756,954-1,243,698 - 陸 財務概況誠信 關懷 效率 穩健 161 ( ( ) ( )) 257,654, ,743,116 5 ( ( )) 18,348,772-18,299,657 1 ( ( ) ) 7,202,842-7,482,893-4,148,503, ,006,444, ( ( )) 95,000, ,000, ,521, ,496, ,526, ,386,900 1 ( ( )) 17,502,398-16,489,571-8,139,902-7,176,585-55,169, ,053,056 1 ( ( )) 23,490, ,524, ,181, ,074,136 6 $ 4,402,685, ,254,518,

164 深耕臺灣金融 邁向國際市場 ( ( )) $ 65,232, ,252, ( ( )) (36,453,834) (102) (33,364,505) (113) 9 ( ( )) 28,779, ,887, ( ( )) 5,057, ,043, ( ( )) 15,914, ,147, ( ( )) 1,062, ,007, ,250, ,585, ( ( )) (1,685) - (19,013) - 91 ( ( )) 3,249, ,055, ( ( )) (3,503,057) (10) (5,563,476) (19) 37 ( ( )) 450, , ( ( )) 12,946, ,696, (18) ( ( )) 222, ,720 3 (75) ( ( ) ) (23,874,056) (67) (21,922,128) (75) (9) ( ( ) ( ) ) (10,663,279) (30) (10,820,835) (37) 1 35,890, ,401, ( ( )) (7,284,809) (20) (2,625,044) (9) 178 ( ( )) (11,687,081) (33) (11,526,020) (39) 1 ( ( )) (1,206,645) (3) (1,281,873) (4) (6) ( ( )) (6,321,024) (18) (5,147,542) (18) 23 (19,214,750) (54) (17,955,435) (61) 7 9,391, ,821, ,391, ,821, ( ( )) (1,142,898) (3) (1,403,128) (5) 19 ( ) 8,248, ,417, , ,932-5,541 1,022, ,754, (78) (450,839) (1) (330,269) (1) ,061 1 (911,409) (3) (152) (7,547) - 38,135 - (120) ( ) 1,432, ,557, (60) $ 9,680, ,975, (12) ( )( ( )) $

165 : ( ) $ 70,000, ,453,034 25,218,428 15,087,006 8,381,241 48,686,675 (363,405) 18,046,248 17,682, ,822,552 ( ) - - 2,168,472 - (2,168,472) ,445,648 (1,445,648) (4,767,121) (4,767,121) (4,767,121) (43,083) 43, , , ,417,928 7,417, ,417, (284,426) (284,426) 54,488 3,787,657 3,842,145 3,557,719 70,000, ,496,092 27,386,900 16,489,571 7,176,585 51,053,056 (308,917) 21,833,905 21,524, ,074,136 ( ) - - 2,140,051 - (2,140,051) ,038,720 (1,038,720) (3,598,814) (3,598,814) (3,598,814) (25,893) 25, , ,650 25,000,000 (25,000,000) ,248,208 8,248, ,248, (533,199) (533,199) 582,615 1,382,878 1,965,493 1,432,294 $ 95,000,000 80,521,742 29,526,951 17,502,398 8,139,902 55,169, ,698 23,216,783 23,490, ,181,474 BANK F TAIWAN 5,163 3,240 陸 財務概況誠信 關懷 效率 穩健 163

166 深耕臺灣金融 邁向國際市場 : ( ) $ 9,391,106 8,821,057 ( ) 9,391,106 8,821, , , , ,053 7,284,809 2,697,539 36,453,834 33,364,505 (65,232,863) (59,252,283) 23,897,844 21,914,799 ( ) 1,351 (6,899) (3,249,110) (2,055,455) 111, ,395 ( ) (616) 19, ,006 (1,850,206) (16,693,019) (28,075,744) (60,521,919) (14,328,674) (20,170) (1,900) - 4,980,621 21,852,732 7,142,466 (64,415,855) (66,309,595) ( ) 3,185,136 (98,587,399) ( ) 814,244 (34,308,521) ( ) 1,846,780 (962,611) ( ) (1,807,802) 1,413,409 (115,759,873) (229,037,948) ( ) (95,749,414) 39,363,779 ( ) 43,915,846 (877,458) (122,782) (75,584) 18,981,450 7,038,305 ( ) (3,888,895) 3,989, ,552, ,893, , ,360 98, , ,262, ,334,157 (7,497,086) (63,703,791) (6,985,080) (65,553,997) ( ) 2,406,026 (56,732,940) 61,643,103 57,839,959 2,981,900 2,171,366 (36,298,843) (34,595,678) (900,265) (1,371,118) ( ) 29,831,921 (32,688,411)

167 BANK F TAIWAN $ (582,996) (533,849) (365,624) (14,300) (270,725) (292,624) 4, ,013 ( ) (1,214,819) (527,760) 8,999,372 15,998,441 (378,912) (546,086) ( ) 513,256 (6,954,316) (3,598,814) (4,767,120) 5,534,902 3,730, ,799 44,703 ( ) 34,542,803 (29,440,549) 874,220, ,661,538 $ 908,763, ,220,989 $ 155,902, ,265, ,883, ,106, ,977, ,848,910 $ 908,763, ,220,989 陸 財務概況誠信 關懷 效率 穩健 165

168 深耕臺灣金融 邁向國際市場 ( ) ( ) % 4,402,470,508 4,254,400, ,069, ,148,289,034 4,006,326, ,962, ,181, ,074,136 6,107, ( ) ( ) (%) 28,779,375 25,887,894 2,891, ,274,096 3,609,713 3,664, ,053,471 29,497,607 6,555, ,284,809 2,625,044 4,659, ,335,309 18,025,012 1,310, ,433,353 8,847, , ,185,145 1,429,623 (244,478) (17.10) 8,248,208 7,417, ,

169 ( ) BANK F TAIWAN % ( ) ( ) 34,542,803 (29,440,519) 63,983,322 (217.33) ,542, ,440,519 63,983,322 11,382,725 (46,193,245) 14,728, ,649,051 柒 財務狀況及財務績效之檢討分析與風險管理事項誠信 關懷 效率 穩健 ,122,765 (135,113,193) 44,793,304 11,943,145 29,768,176 (5,526,564) (690,347) 1,804, ,879 63,983,322 2.

170 深耕臺灣金融 邁向國際市場 ( ) (1) (2) (3) ( ) (1)+(2)+(3) 908,763, ,011 2,744, ,041, (1) (2) (3) / ( ) 1. (1) 103 ( ) ( ) ( )

171 BANK F TAIWAN ( ) ( ) ( ) ( ) ( ) 柒 財務狀況及財務績效之檢討分析與風險管理事項誠信 關懷 效率 穩健 169 ( OBU) ( )

172 深耕臺灣金融 邁向國際市場 170 ( ) ( ) ( ) ( ) ( ) ( ) ( ) (2) ( ) 1,513,531,516 64, ,222,509 14,210,796 ( ) 303,542,584 8,248,625 ( ) 925,754,553 67,660, ,992,951 18,921, ,110,973 24,940,530 12,938,653 4,030, ,923,715 8,876,153 4,292,017, ,952,808

173 2. (1) 103 BANK F TAIWAN ( ) 柒 財務狀況及財務績效之檢討分析與風險管理事項誠信 關懷 效率 穩健 171 (2) (3) (4)

174 深耕臺灣金融 邁向國際市場 3. (1) SOP (RCSA) (KRI) SOP ( )

175 (2) ,281, ,052, ,840,754 BANK F TAIWAN 91,174,659 4,558, (1) 103 柒 財務狀況及財務績效之檢討分析與風險管理事項誠信 關懷 效率 穩健 173 ( OBU) (Stressed VaR) Basel III

176 深耕臺灣金融 邁向國際市場 (2) ,495,907 1,956,168 2,487,804 1,767 6,941,646 5.

177 BANK F TAIWAN (1) ,377,733, ,501, ,409, ,576, ,261, ,995,787 1,764,988,437 5,928,753, ,300, ,762, ,429, ,200,129 1,649,561,797 1,822,499,281 (1,551,019,792) 285,201, ,647,306 (263,852,813) (532,938,973) (1,246,566,010) (57,510,844) (2) ,203,458 16,092,595 10,230,926 5,266,681 2,692,906 10,920,350 45,203,458 22,283,601 8,984,827 3,516,780 1,934,638 8,483,612 - (6,191,006) 1,246,099 1,749, ,268 2,436,738 柒 財務狀況及財務績效之檢討分析與風險管理事項誠信 關懷 效率 穩健 175 ( ) ( ) 1. DRAMLED 2. DRAMLED PC NBPCB ( 29 )

178 深耕臺灣金融 邁向國際市場 ( ) ( ) ( ) OBU DBU DBU ( )

179 BANK F TAIWAN ( ) ( ) ( ) ( ) 柒 財務狀況及財務績效之檢討分析與風險管理事項誠信 關懷 效率 穩健 177 ( ) ( ) ( ) ( ) ( ) ( )

180

181 179 柒 財務狀況及財務績效之檢討分析與風險管理事項誠信 關懷 效率 穩健 BANK F TAIWAN BANK F TAIWAN WAN

182 深耕臺灣金融 邁向國際市場 ( ) ( ) ( ) ( ) 20, ( ) (%) 2,000, % ( ) ( ) ( ) ( ) 20, , ,020 87,124 1,664, , ,

183 ( ) BANK F TAIWAN 捌 特別記載事項誠信 關懷 效率 穩健 181

184 深耕臺灣金融 邁向國際市場 ( ) 182 ( ) (88) ( )

185 ( ) ( ) 100 BANK F TAIWAN % ( ) ,500,000, % 捌 特別記載事項誠信 關懷 效率 穩健 183 ( ) ( ) ( ) 11,550,000 11,550,000 TAIBOR 3 Fixing Rate , ~ ,550, ( ) ( ) ,3, ~ ,250

186 深耕臺灣金融 邁向國際市場 5. (1) $ 1,629 - (2) $ 3,649, (3) $ 529, (4) $ 35 - (5) $ 2, (6) 103 $ 118, (7) 103 $ (8) ( ) 103 $ 29,

187 BANK F TAIWAN (9) 103 $ (10) 103 $ 13, ( ) 捌 特別記載事項誠信 關懷 效率 穩健 185

188 深耕臺灣金融 邁向國際市場 SWIFT BKTWTWTP http //

189 BANK F TAIWAN 玖 總行及國內外分支機構誠信 關懷 效率 穩健

190 深耕臺灣金融 邁向國際市場

191 BANK F TAIWAN 玖 總行及國內外分支機構誠信 關懷 效率 穩健

192 深耕臺灣金融 邁向國際市場

193 BANK F TAIWAN 玖 總行及國內外分支機構誠信 關懷 效率 穩健

194 深耕臺灣金融 邁向國際市場 SWIFT 100 Wall Street, 11th Floor New York, NY U.S.A. 601 S. Figueroa Street, Suite 4525 Los Angeles, CA U.S.A. 23/F., Central Tower, 28 Queen's Road Central, Central, Hong Kong 80 Raffles Place #28-20 UOB Plaza 2 Singapore BKTWUS BKTWUS6L BKTWHKHH BKTWSGSG F, Fukoku Seimei Building, 2-2 Uchisaiwaicho 2-Chome Chiyoda-Ku, Tokyo , Japan 11, Cradock Ave. Rosebank 2196, Johannesburg, South Africa Level 5, City Tower, 40 Basinghall Street, London, EC2V 5DE, U.K BKTWJPJT BKTWZAJJ BKTWGB2L BKTWCNSH Regus Platina, 9th Floor, Platina, C-59, G Block, Bandra-Kurla Co

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