Annual Report (02) (02) B1 (02) (02)

Standard Chartered Annual Report 2012 2012 年報 Stock Code: 2807 Standard Chartered Bank (Taiwan) Limited 公開資訊觀測站網址 :http://newmops.twse.com.tw 銀行網址 :http://www.standardchartered.com.tw 刊印日期 :102 年 5 月 31 日

Annual Report (02)2716-6261 (02)2716-6261 Corporate.Affairs-tw@sc.com 188190 210B1 (02)2586-5859 http://www.yuanta.com.tw 205131306 (02)8175-7600 5749 (02)8722-5800 5768 http://www.kpmg.com.tw (02)8101-6666 http://www.standardchartered.com.tw 2

致股東報告書 5 銀行簡介 7 公司治理報告 10 12 31 46 47 47 47 47 48 募資情形 50 52 60 60 營運概況 62 68 70 74 3

Annual Report 74 76 76 財務概況 78 82 88 89 158 164 財務狀況及財務績效之檢討分析與風險管理事項 166 167 167 168 168 169 180 180 特別記載事項 182 186 186 188 188 4

致股東報告書 5

Annual Report 致股東報告書 20114.1 20121.3 2012 2011 2012 2013 3.9 2013 2012 1% 27% 9% 2012 2012 20.2 DRAM 0.44%0.70% 274.11%218.85% 2012 150 201212 43.77%63.16%16.01% 10.57%9 20123 AAA(twn)F1+(twn)AA- F1+12 twaaatwa-1+ 2013 2013 DBU 6

銀行簡介 7

Annual Report 一 銀行設立日期及沿革 Here for good Global Finance 二 最近年度及截至年報刊印日止辦理銀行併購 轉投資關係企業 重整之情形 100% 100%182 三 董事 監察人及依銀行法第二十五條第三項規定應申報股權者, 其股權之大量移轉或更換 : 無 8

公司治理報告 9

Annual Report 一 組織系統 102328 ( 一 ) 組織架構圖 人力資源處 資訊營運處 法務處 公共事務處 風險管理處 財務處 不動產服務處 股東會 董事會 總經理 公司秘書部 環球市場處 稽核處 企業暨金融客戶處 國外部 國際金融業務分行 消費金融處 信託部 證券部 各分行 10

11 ( 二 ) 各主要部門所營業務 註 :102328

Annual Report () 1. 1011231 Katherine King-Suen Tsang 101.12.14 3 98.8.31 Alberta Ajay Chamanlal Kanwal 101.12.10 3 101.01.31 P.L.N.W. Lim Cheng Teck 101.12.10 3 99.07.30 (Special Needs Trust Company Ltd.) Yen-Ting Chen 101.12.10 3 101.06.28 Woei-Jy Chen 101.12.10 3 101.12.10 12 13

Annual Report 1011231 Teeh-Lin Wang 101.12.10 3 98.12.10 (AC Nielsen Taiwan) (EMBA) Nei-Ping Yin 101.12.10 3 98.12.10 Jardine Matheson Norman Lyle 101.12.10 3 95.12.13 Grosvenor Asia Pacific Limited Cabinet Top Office Edward Martin Williams 101.12.10 3 98.12.10 Prime Credit Ltd Principal Financial Holdings 14 15

Annual Report 2. 1011231 Standard Chartered Bank 100% Standard Chartered Holdings Limited 3. 1011231 Standard Chartered Holdings Limited 100% Standard Chartered PLC 4. 1011231 1 2 3 4 5 6 7 8 9 10 Katherine King-Suen Tsang V V V V V V V Ajay Chamanlal Kanwal V V V V V V V V Lim Cheng Teck V V V V V V V V Yen-Ting Chen Woei-Jy Chen V V V V V V V V V V V V V V V V V 16

1 2 3 4 5 6 7 8 9 10 Teeh-Lin Wang V V V V V V V V V V Nei-Ping Yin Norman Lyle Edward Martin Williams V V V V V V V V V V V V V V V V V V V V V V V V V V V V V 1 2 3 4 5 6 7 8 9 30 1027 17

Annual Report () 1011231 100.12.15 0 0 0 0 0 0 P.L.N.W. 101.06.26 0 0 0 0 0 0 1 101.06.01 0 0 0 0 0 0 101.06.26 0 0 0 0 0 0 101.12.21 0 0 0 0 0 0 98.02.26 0 0 0 0 0 0 99.10.01 0 0 0 0 0 0 99.02.12 0 0 0 0 0 0 101.07.23 0 0 0 0 0 0 99.08.02 0 0 0 0 0 0 101.09.27 0 0 0 0 0 0 2 100.08.01 0 0 0 0 0 0 100.11.17 0 0 0 0 0 0 98.02.18 0 0 0 0 0 0 88.08.19 0 0 0 0 0 0 93.01.02 0 0 0 0 0 0 96.07.06 0 0 0 0 0 0 99.09.16 0 0 0 0 0 0 93.11.23 0 0 0 0 0 0 18

101.11.30 0 0 0 0 0 0 99.07.08 0 0 0 0 0 0 101.02.21 0 0 0 0 0 0 99.07.08 0 0 0 0 0 0 101.01.31 0 0 0 0 0 0 99.07.08 0 0 0 0 0 0 97.07.01 0 0 0 0 0 0 98.11.26 0 0 0 0 0 0 99.12.15 0 0 0 0 0 0 99.05.27 0 0 0 0 0 0 99.09.21 0 0 0 0 0 0 99.12.15 0 0 0 0 0 0 101.06.29 0 0 0 0 0 0 99.12.15 0 0 0 0 0 0 101.10.30 0 0 0 0 0 0 99.12.15 0 0 0 0 0 0 99.06.28 0 0 0 0 0 0 99.03.30 0 0 0 0 0 0 99.12.15 0 0 0 0 0 0 100.12.02 0 0 0 0 0 0 19

Annual Report 99.09.21 0 0 0 0 0 0 98.03.23 0 0 0 0 0 0 101.01.31 0 0 0 0 0 0 100.08.31 0 0 0 0 0 0 100.07.29 0 0 0 0 0 0 99.03.30 0 0 0 0 0 0 98.07.27 0 0 0 0 0 0 98.07.27 0 0 0 0 0 0 99.12.15 0 0 0 0 0 0 97.07.01 0 0 0 0 0 0 97.12.15 0 0 0 0 0 0 100.12.02 0 0 0 0 0 0 100.07.29 0 0 0 0 0 0 101.05.31 0 0 0 0 0 0 98.03.23 0 0 0 0 0 0 99.12.15 0 0 0 0 0 0 102.01.24 0 0 0 0 0 0 100.04.21 0 0 0 0 0 0 99.03.30 0 0 0 0 0 0 100.12.02 0 0 0 0 0 0 98.03.23 0 0 0 0 0 0 100.12.22 0 0 0 0 0 0 98.12.14 0 0 0 0 0 0 20

98.07.27 0 0 0 0 0 0 97.05.12 0 0 0 0 0 0 99.02.26 0 0 0 0 0 0 99.02.26 0 0 0 0 0 0 99.02.26 0 0 0 0 0 0 99.02.26 0 0 0 0 0 0 100.12.02 0 0 0 0 0 0 100.03.01 0 0 0 0 0 0 97.06.09 0 0 0 0 0 0 98.07.27 0 0 0 0 0 0 99.02.26 0 0 0 0 0 0 100.07.29 0 0 0 0 0 0 99.12.15 0 0 0 0 0 0 100.08.31 0 0 0 0 0 0 100.07.29 0 0 0 0 0 0 101.11.29 0 0 0 0 0 0 101.05.31 0 0 0 0 0 0 100.06.21 0 0 0 0 0 0 100.06.21 0 0 0 0 0 0 100.12.02 0 0 0 0 0 0 100.12.02 0 0 0 0 0 0 101.06.29 0 0 0 0 0 0 21

Annual Report 100.06.21 0 0 0 0 0 0 100.10.24 0 0 0 0 0 0 100.06.21 0 0 0 0 0 0 101.07.27 0 0 0 0 0 0 100.12.02 0 0 0 0 0 0 97.11.01 0 0 0 0 0 0 100.07.27 0 0 0 0 0 0 100.07.27 0 0 0 0 0 0 99.05.27 0 0 0 0 0 0 100.06.21 0 0 0 0 0 0 99.08.26 0 0 0 0 0 0 100.06.21 0 0 0 0 0 0 99.02.26 0 0 0 0 0 0 101.07.27 0 0 0 0 0 0 100.06.21 0 0 0 0 0 0 彣 101.07.27 0 0 0 0 0 0 99.04.26 0 0 0 0 0 0 99.12.15 0 0 0 0 0 0 100.03.01 0 0 0 0 0 0 101.05.31 0 0 0 0 0 0 100.08.31 0 0 0 0 0 0 100.06.21 0 0 0 0 0 0 22

101.07.27 0 0 0 0 0 0 100.06.21 0 0 0 0 0 0 101.06.29 0 0 0 0 0 0 99.12.15 0 0 0 0 0 0 101.05.31 0 0 0 0 0 0 100.12.02 0 0 0 0 0 0 100.10.24 0 0 0 0 0 0 1 2 23

Annual Report () () 1. () (1) (A) (B) (C) (D) ABCD (%) (E) (F) G H ABCDE FG Katherine King-Suen Tsang Ajay Chamanlal Kanwal Lim Cheng Teck Yen-Ting Chen Woei-Jy Chen Teeh-Lin Wang Nei-Ping Yin Sunil Kaushal 101.05.25 Kuei-Ling Hu 101.12.09 Fou Tsong Ling 101.07.19 2,760 2,760 84,126 84,126 2.89% 2.89% $3,968 24 25

Annual Report (2) A+B+C+D A+B+C+D+E+F+G I J 2,000,000 2,000,0005,000,000 5,000,00010,000,000 10,000,00015,000,000 15,000,00030,000,000 2 2 6 6 26

2. (1) (A) (B) (C) (D) ABCD (%) Norman Lyle Edward Martin Williams 820 820 0.03% 0.03% (2) A+B+C+D 2,000,000 2,000,0005,000,000 5,000,00010,000,000 10,000,00015,000,000 15,000,00030,000,000 1 1 27

Annual Report 3. (1) A B C D ABCD % 1 2 3 4 5 6 7 93,881 93,881 110,117 110,117 6.79% 6.79% $9,149 1 101119 2101415 3 10161 4101621 510211 610211 710181 28 29

Annual Report (2) 2,000,000 2,000,0005,000,000 5,000,00010,000,000 10,000,00015,000,000 15,000,00030,000,000 18 18 4. () 101 100 2.89% 0.61% 0.03% 0.01% 6.79% 2.01% () 30

() 12 Katherine King-Suen Tsang Ajay Chamanlal Kanwal Lim Cheng Teck Yen-Ting Chen Woei-Jy Chen Teeh-Lin Wang Nei-Ping Yin Sunil Kaushal Fou Tsong Ling Kuei-Ling Hu Norman Lyle Edward Martin Williams 12 0 100% 11 1 92% 10 2 83% 6 1 86% 6 28 1 0 100% 12 10 12 0 100% 12 0 100% 3 1 75% 5 25 6 0 100% 7 19 10 1 91% 12 9 12 0 100% 11 0 92% 143 101 12 14 13 1 31

Annual Report () 12 (%) Norman Lyle Edward Martin Williams 12 100% 11 92% : () () (1) (2) (3) (1) (2) 1. 2. 3. 32 33 33-1 33-5 1. 98 12 10 101 12 9 101 12 10 2. 1. 32

(1) (2) 1. 2. 1. 1. 2. 3. 4. 5. 6. 7. 8. 9. 16 : 1) - 30 2) 27 3) 4) 5) () 33

Annual Report () 1. 2. 2010 3. (1) : (2) CSR Committee 1. CDP 2. 20,000 6% 21%2010 34

FTSE 350 CDP FTSE350 CDP 3. 201211TongWei Wind Power5,3006,670 200VAT 4. 2012 75 126 1. 1. 2. : 35

Annual Report 1. Inside Taiwan 2. iconnect2-3 3. 4. 1. 2. 3. 1. 24 2. 3. 150 36

7073 1. 20082010 DJSI 2. 2010FTSE4Good 3. 1620113 7073 37

Annual Report () ( ) ( ),. ( ) ( ) ( ) ( ) ( ) ( ) 38

( ) ( ) Web () http://newmops.twse.com.tw () http://newmops.twse.com.tw 39

Annual Report () 1. 40

1011231 45 1 1 129 7 600 61 1 1 5 (101.8.21 10150002810 ) 45 1 1 129 7 400 61 1 1 3 (101.2.29 10150000010 ) 89 96 61 1 1 (101.8.10 10100178860 ) 101 4 OO OO 1. 2. 3. 1. (1) (2) (3) 2. 3. 4. 1. 2. 3. 4. (1) : (2) : 1. 2. 3. 4. 41

Annual Report 2. (88)()18311 0980002150 42

() 1. 2. 1. 45 1 1 129 7 200 61 1 1 3 (100.7.7) 2. 45 1 1 129 7 400 61 1 1 3 (101.2.29) 3. 45 1 1 129 7 600 61 1 1 5 (101.8.21) 3. 1. 61 1 (100.7.7) 2. 61 1 (101.2.29) 3. 61 1 1 (101.8.10) 4. 61 1 (101.8.21) 4. 5. 43

Annual Report () 101.01.31 1. 1. 101.02.24 1. 2012 2. 101.03.23 1. 2011 2. 2011 3. 1. 2. 1. 2. 3. 101.05.31 1. 1. ( 1) 2. 3. 2. 3. 101.06.29 1. 2011 2. 2011 3. 4. 101.07.27 1. 2. 3. 1. 2. 3. 4. 1. 2. 3. 4. 4. 101.08.30 1. 2012 2. 101.09.20 1. 2. 3. 1. 2. 1. 2. 3. 101.10.30 1. 1. 101.11.29 1. 2013 2. 101.12.14 1. 2. 3. 4. 5. 2013 1. 2. 1. 2. 3. 4. 5. 120124 44

() () 1011231 97.07.01 101.01.19 97.11.24 101.04.15 97.01.02 101.08.01 45

Annual Report () 101 1 2,000 2 2,0004,000 3,902 3,902 3 4,0006,000 4 6,0008,000 5 8,00010,000 6 10,000 15,123 15,123 () 15,123 3,902 3,902 101.01.01-101.12.31 $1,958 $1,344 $ 600 () () 15% 46

() () 47

Annual Report ( ) ( ) ( ) ( ) 300,000 100% 300,000 100% ( ) 300,000 100% 300,000 100% 4,822,803 0.06% 4,822,803 0.06% ( ) 630,000 3.18% 630,000 3.18% ( ) 3,417,440 4.84% 3,417,440 4.84% ( ) 19,716 0.99% 19,716 0.99% ( ) 854,895 4.76% 854,895 4.76% ( ) 5,118,750 1.14% 5,118,750 1.14% ( ) 18,850,000 2.73% 18,850,000 2.73% ( ) 5,000,000 2.94% 5,000,000 2.94% ( ) 532,583 0.17% 532,583 0.17% ( ) 1,518,750 5% 1,518,750 5% ( ) 84,980 1.42% 84,980 1.42% 48

49

Annual Report () 101.12.31 10 3,000,000,000 30,000,000,000 2,910,571,976 29,105,719,760 2,910,571,976 89,428,024 3,000,000,000 () 1011231 0 0 0 0 1 ( ) 1 0 0 0 0 2,910,571,976 2,910,571,976 (%) 0 0 0 0 100 100 100% () 1011231 () () (%) 1,000,001 1 2,910,571,976 100 1 2,910,571,976 100 () 1011231 (%) (Standard Chartered Bank) 2,910,571,976 100 50

() 96118 () () () 1. 127 2. 3. 127 () 51

Annual Report 98-1 98-2 98-3 09800417430 09800417430 09800417430 98.10.28 98.12.11 98.12.11 10 1000 1000 100 100 100 10,000,000 150,000 150,000 2.9% 3.4% 104.06.11 104.06.11 3.33% 104.06.11 4.33% 3.33% 104.06.11 4.33% 10 108.10.28 - - - 10,000,000 150,000 150,000 24,855,720 24,855,720 24,855,720 31,599,000 31,599,000 31,599,000 52

104.06.11 104.06.11 1 1 93.76% 93.67% 93.67%,98.10.27, AA(twn) 53

Annual Report 100 1 A B C D E F G H I 10000122100 100.5.19 100 100 800,000 100,000 650,000 6,150,000 1,000,000 2,550,000 3,700,000 400,000 4,000,000 1.03% 1.17% 1.32% 1.45% 1.51% 1.60% 90 90 90 2 102.05.19 3 103.05.19 4 104.05.19 5 105.05.19 6 106.05.19 7 107.05.19 2 102.05.19 5 105.05.19 7 107.05.19 54

800,000 100,000 650,000 6,150,000 1,000,000 29,105,720 38,289,788 121.69 % 100.05.19, AAA(twn) 2,550,000 3,700,000 400,000 4,000,000 55

Annual Report 100 2 100 3 100 4 A B C A B C D 10000122100 10000122100 10000122100 100.06.08 100.06.23 100.06.29 100 100 100 100 100 100 500,000 950,000 700,000 1,100,000 2,000,000 400,000 1,000,000 2,000,000 1.451% 1.04% 90 1.40% 1.32% 90 0.15% 90 0.15% 90 0.15% 5 105.06.08 2 102.6.23 5 3 105.9.23 2 102.6.23 3 103.06.29 2 102.06.29 3 103.06.29 10 110.06.29-56

500,000 950,000 700,000 1,100,000 2,000,000 400,000 1,000,000 2,000,000 29,105,720 29,105,720 29,105,720 38,289,788 38,289,788 38,289,788 ( ) 121.74% 121.74% 121.74% 100.06.8, AAA(twn) 100.06.23, AAA(twn) 100.06.29, AAA(twn) 57

Annual Report 101 1 101 2 A B C 1000405600 1000405600 101.01.17 101.05.24 100 100 100 100 7,000,000 700,000 600,000 6,700,000 1.05% 90 0.25% 1.09% 1.05% 2 103.1.17 2 103.1.17 3 104.1.17 2 103.5.24 7,000,000 700,000 600,000 6,700,000 29,105,720 29,105,720 58

45,236,038 45,236,038 137.07% 136.75% 100.09.16, AAA(twn) 100.09.16, AAA(twn) 1 2 91-194-194-21,0002,4001,500 59

Annual Report () 10115 150 () 1. 101150101524 2. 1011231 1001231 991231 290,833,891 306,230,461 308,092,137 (15,396,570) (1,861,676) 38,115,999 16.01% 16.54% 14.19% (0.53)% 2.35% 0.43% 60

61

Annual Report () 1. 2. () 1. (1) 101 12 31 100 12 31 (%) (%) (%) 217,057,490 38.55 220,897,236 37.05 (1.74) 178,958,735 31.78 198,619,187 33.32 (9.90) 162,443,255 28.85 171,321,632 28.74 (5.18) 4,538,083 0.81 5,182,659 0.87 (12.44) 0 0.00 59,822 0.01 (100.00) 74,414 0.01 71,156 0.01 4.58 563,071,977 100.00 596,151,692 100.00 (5.55) 62

(2) 101 12 31 100 12 31 (%) (%) (%) 1,255,554 0.35 4,094,073 1.17 (69.33) 56,985,085 16.02 32,721,346 9.34 74.15 5,334,209 1.50 6,722,615 1.92 (20.65) 66,481,682 18.70 62,843,278 17.94 5.79 5,197,138 1.46 3,623,958 1.03 43.41 5,510,350 1.55 6,687,553 1.91 (17.60) 213,644,721 60.08 233,075,672 66.54 (8.34) 1,204,944 0.34 530,267 0.15 127.23 355,613,683 100.00 350,298,762 100.00 1.52 2. 101 100 (%) 563,071,977 596,151,692 (33,079,715) (5.55) 355,613,683 350,298,762 5,314,921 1.52 7,066,722 9,390,534 (2,323,812) (24.75) 3,077,452 2,987,157 90,295 3.02 101 100 (%) 118,501,951 141,564,433 (23,062,482) (16.29) 64,093,789 110,473,336 (46,379,547) (41.98) 199,224,157 185,877,194 13,346,963 7.18 ( / ) 8,742,193 10,757,462 (2,015,269) (18.73) 11,016,284 10,896,375 119,909 1.10 218,982,634 207,531,031 11,451,603 5.52 63

Annual Report () 102 1. (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) 2. (1) (2) (3) (4) () 1. 20114.120121.3 20122011 2012 64

20133.9 2013 2010 2013 20121.87520132.25 2. 2013 2013 2012 20120.520081.6 3. 65

Annual Report () 1. 2. () 1. (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) 66

2. (1) (2) (3) (4) 67

Annual Report () 101 100 102 3 31 50 148 125 146 40 1,209 1,103 1224 30 2,193 2,044 2182 20 607 581 571 20 0 0 0 4,157 3,853 4,123 36.55 36.32 36.72 7.31 7.50 7.45 0.05% 0.05% 0.03% 15.04% 16.07% 15.01% 75.87% 75.55% 76.06% 8.92% 8.25% 8.73% 1,696 1,626 1693 0.17%286 297 279 694 746 697 174 172 172 364 372 362 15 15 326 314 318 3,247 3,304 3211 12 12 12 0.12% 0.08% 145 140 147 448 469 449 1,330 1,351 1331 1,462 1,475 1466 265 265 262 43 40 42 5 5 5 18 20 18 805 713 786 812 772 814 1,291 1,216 1277 1,602 1,575 1578 441 425 440 174 196 172 68

() 101 100 15,695 13,193 13,752 9,291 1,303 770 1,719 1,161 69

Annual Report 2010 2012 5,290 1014,0002,046 200 2009 2012200 400 2012163428 2423 57 552,000 2.5 70

20132 3 4204223,000()38 3 LED3 93% 1,000 2012 Global HRThe Business Player Award Seeing is Believing 20119Clinton Global Initiative, CG 20202003 Seeing is Believing 20043,8001,900 1,900 2010 2012163428 71

Annual Report 37811 2012101 2012101654,000 2,046200 1. 5271012,000 101 2. 652012101 2009 1,0002012 1027200 390 4,000 1,000 6 552,000 2.5 20132 72

420 4223,00038 3 LED393% 5,290 20125,290 : 201234 : 116007 : 1807Rinsanity 13 73

Annual Report () 1. CLXHP NonStop Server S88012OS Nonstop kernel G06.24 2. STKHP NonStop Server S74004OS Nonstop kernel G06.19 () 1. 2. 103 () 1. 2. 3. () 1. 2. 3. 4. 5. 6. 7. 8. () 1. 74

2. 3. A. LPA B. LPA % C. % D. 1. 2. 3. () 2012515, () 75

Annual Report Atos Origin Hong Kong 2010/1/1~2016/12/31 2009/10/1~2012/9/30 2010/8/1~2013/7/31 2007/10~2015/09 2009/11/15~2014/11/14 ~ : 2016/06/30 1. 2. 5135 ~ : 2016/06/30 1. 2. 5135 20051212,005,275 201210181,874,753 76

77

Annual Report () 2012 2011 2010 2009 2008 74,770,966 85,868,076 107,155,919 119,564,299 114,479,587 29,544,710 40,867,691 28,405,970 28,514,878 39,295,509 3,402,039 8,456,414 0 0 1,179,467 0 0 0 0 1,794,670 227,027,332 213,257,021 178,338,617 108,235,427 121,529,284 350,387,046 346,151,003 344,500,675 313,086,588 310,526,139 37,868,843 34,442,522 26,956,704 27,262,328 27,530,677 369,417 279,579 76,692 368,502 273,667 5,546,985 6,076,890 7,253,113 7,589,391 7,974,132 3,244,154 3,303,198 3,408,715 3,516,119 3,784,134 580,392 887,031 445,803 340,118 403,869 3,049,972 4,071,508 5,410,310 7,964,904 7,714,076 735,791,856 743,660,933 701,952,518 616,442,554 636,485,211 9,283,983 18,390,389 10,647,359 49,355,596 21,038,002 563,071,977 596,151,692 590,618,528 470,195,395 514,039,270 8,357,471 14,863,355 19,801,306 19,961,310 30,594,969 0 0 0 0 412,853 62,014,537 47,512,170 19,224,205 29,500,120 19,725,868 49,202,900 21,507,289 23,371,332 12,421,088 19,075,249 691,930,868 698,424,895 663,662,730 581,433,509 604,886,211 698,424,895 663,662,730 581,433,509 604,886,211 29,105,720 29,105,720 29,105,720 29,105,720 24,855,720 5,786,031 5,786,031 5,786,031 10,430,441 6,183,410 8,023,741 9,386,251 2,922,991 (4,644,410) 17,915 5,020,393 877,102 (4,644,410) 17,915 984,720 962,709 439,450 28,128 352,768 (39,224) (4,673) 35,596 89,166 189,187 0 0 0 0 0 43,860,988 45,236,038 38,289,788 35,009,045 31,599,000 40,870,180 36,243,899 35,009,045 31,599,000 78

2013331 98,737,564 30,529,055 241,378,983 336,939 4,883,574 29,894,934 526,926 0 338,870,767 0 446,644 668,700 152,232 5,877,275 0 3,160,134 2,506,847 965,680 758,936,254 39,247,849 0 7,798,100 15,841 0 11,222,796 321,386 0 556,349,169 62,205,598 0 34,011,524 1,978,005 636,156 1,850,557 715,636,981-43,299,273 29,105,720 5,786,031 7,724,659-682,863 0 0 43,299,273-79

Annual Report () 2012 2011 2010 2009 2008 10,035,361 9,183,485 8,911,419 8,539,126 10,313,594 6,099,124 7,960,032 8,039,597 6,549,521 8,096,615 16,134,485 17,143,517 16,951,016 15,088,647 18,410,209 2,020,735 (3,154,511) 1,453,276 7,628,170 7,711,246 10,544,151 10,521,913 10,976,520 12,335,065 11,651,107 3,569,599 9,776,115 4,521,220 (4,874,588) (952,144) 3,003,348 8,373,115 2,922,991 (4,662,325) 17,915 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3,003,348 8,373,115 2,922,991 (4,662,325) 17,915 1.03 2.88 1.00 (1.86) 0.01 2013 3 31 3,613,236 : 1,281,980 2,331,256 1,385,990 3,717,246 513,415 2,559,091 644,739 (139,685) 505,055 0 505,055 682,863 1,187,918 505,055 0 1,187,918 0 0.17 80

() 2012 2011 2010 2009 2008 81

Annual Report () 2012 2011 2010 2009 2008 63.16 58.77 58.96 67.08 61.13 0.70 0.44 0.69 1.41 2.57 0.94 0.81 0.61 0.98 1.87 3.97 3.63 3.33 4.03 5.58 0.02 0.02 0.02 0.02 0.03 3,881.00 4,449.00 4,222.00 3,889.00 3,934.00 722.00 2,173.00 728.00 (1,202.00) 4.00 8.96 26.64 15.31 (20.49) (4.66) 0.41 1.16 0.44 (0.74) 0.00 6.74 20.05 7.98 (14.00) 0.06 18.61 48.84 17.24 (30.90) 0.10 1.03 2.88 1.00 (1.86) 0.01 94.04 93.92 94.55 94.32 95.04 12.65 13.43 18.94 21.68 25.24 (1.06) 5.94 13.87 (3.15) 32.45 (63.49) 116.23 192.75 (411.96) 13.83 132.81 (70.44) 14.49 (1.40) 50.07 594.21 586.72 1,126.92 822.82 699.62 (318.59) 569.39 (6.58) 9.80 (93.43) 54.96 51.96 37.98 23.56 23.28 2,633,353.00 2,690,500.00 2,137,212.00 1,223,845.00 1,488,132.00 0.68 0.70 0.57 0.36 0.44 1.84 1.91 1.92 1.79 1.88 1.67 1.88 1.70 1.62 1.56 1.90 2.09 2.20 1.82 1.30 1.51 1.54 1.65 1.63 1.62 1. DRAM 0.44% 0.70% 2. 63.16% 58.77% 82

1 1. (1) (2) (3) (4) (5) (6) (7) 2. (1) = (2) (3) (4) (5) 3. (1) = (2) 4. (1) = (2) = 5. (1) = (2) (3) 6. 7. (1) (2) (3) (4) 83

Annual Report 2013 3 31 61.89 0.68 0.20 0.74 0.50 902.00 122.00 % 1.67 0.07 1.16 13.59 0.17 94.29 13.57 3.15 - - - - 58.61 2,737,294 0.73 1.83 1 1.63 1.84 1.47 84

120132 2 1. (1) (2) (3) (4) (5) (6) (7) 2. (1) = (2) (3) (4) (5) 3. (1) (2) 4. (1) = (2) = 5. (1) (2) (3) 6. 7. (1) (2) (3) (4) 85

Annual Report () 2012 2011 2010 2009 2008 29,105,720 29,105,720 29,105,720 29,105,720 24,855,720 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5,786,031 5,786,031 5,786,031 10,430,441 6,183,410 3,388,832 876,897 0 5,374 0 136,034 136,034 0 0 0 4,498,875 8,373,320 2,922,991 (2,324,893) 17,915 0 0 0 0 0 (340,178) (271,471) (877,638) (1,213,541) (1,371,671) 3,156,048 3,156,048 3,156,048 3,156,048 3,384,383 0 0 0 0 0 280,285 275,784 949,335 6,607,859 4,950,446 39,138,981 40,574,699 32,831,721 26,239,195 21,350,545 0 0 0 0 0 8,710,584 9,080,871 9,109,629 19,597,407 10,000,000 239,413 239,413 363,949 381,303 381,303 45% 470,818 445,542 444,931 427,289 689,546 0 0 0 0 0 980,200 136,763 0 0 0 10,000,000 10,000,000 10,000,000 10,000,000 8,762,968 0 0 0 0 0 0 0 0 0 0 0 0 0 (2,324,893) 280,285 275,784 245,108 456,465 452,833 1 20,120,730 19,626,805 19,673,401 27,624,642 19,380,984 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 59,259,711 60,201,504 52,505,122 53,863,836 40,731,529 86

2012 2011 2010 2009 2008 ( 2) 319,947,000 308,452,918 307,469,370 314,873,303 331,477,325 - - - - 31,379,656 33,554,611 33,762,611 34,866,993 35,774,925 - - - - 18,918,596 22,005,098 28,841,002 31,688,991 37,278,206 - - 370,245,252 364,012,628 370,072,983 381,429,287 404,530,456 16.01 16.54 14.19 13.76 10.07 % 10.57 11.15 8.87 6.88 5.28 % 1 5.43 5.39 5.32 6.88 4.79 % 0 0 0 0 0 % 3.96 3.91 4.15 4.72 3.91 20% 12009 $1,385,447 2 1. 2. 12.5 3. 4. 5. 6. 7. 87

Annual Report Norman Lyle Edward Martin Williams 88

(88)()18311 0980002150 89

Annual Report 101.12.31 100.12.31 11000 (()) $ 6,697,772 11,469,535 (42) 11500 (()) 68,073,194 74,398,541 (9) 12000 (()()) 29,544,710 40,867,691 (28) 12500 (()) 3,402,039 8,456,414 (60) 13000 (()()()) 37,868,843 34,442,522 10 13500 (()()) 350,387,046 346,151,003 1 14000 (()()) 227,027,332 213,257,021 6 15000 (()) 369,417 279,579 32 15500 (()()) 580,392 887,031 (35) 18500 (()) 5,546,985 6,076,890 (9) 19000 (()()) 3,244,154 3,303,198 (2) 19500 (()()) 3,049,972 4,071,478 (25) $ 735,791,856 743,660,903 (1) 101.12.31 100.12.31 21000 () $ 9,283,983 18,390,389 (50) 22000 (() ()) 8,357,471 14,863,355 (44) 23000 () 6,081,872 4,893,190 24 23010 (()) 6,012,064 4,284,892 40 23500 (()() 563,071,977 596,151,692 (6) 24000 (()()) 62,014,537 47,512,170 31 25500 (()) 34,703,759 10,188,173 241 29500 (()) 2,405,204 2,141,004 12 691,930,867 698,424,865 (1) (()()()) 31001 103,000,000 2,910,572 29,105,720 29,105,720-31500 5,786,031 5,786,031-32001 3,388,832 876,897 286 32003 136,034 136,034-32012 4,498,875 8,373,320 (46) 8,023,741 9,386,251 (15) 32503 239,413 239,413-32523 851,045 772,342 10 32525 133,675 190,367 (30) 32544 (278,636) (244,086) (14) 945,497 958,036 (1) 43,860,989 45,236,038 (3) (()()) $ 735,791,856 743,660,903 (1) 90

101 100 41000 (()()) $ 15,295,217 13,906,960 10 51000 () 5,259,856 4,723,475 11 10,035,361 9,183,485 9 49100 () 2,808,275 3,976,302 (29) 49200 (()()) 1,731,628 941,798 84 49300 (()) (6,451) 22,749 (128) 49500 (()) 299,125 209,288 43 49600 249,202 862,501 (71) 49700 (()()) (12,832) (169,782) 92 49821 () 648,300 914,171 (29) 49863 () 232,585 1,065,367 (78) 49800 (()()()) 149,292 137,638 8 16,134,485 17,143,517 (6) 51500 ()(()()) 2,020,735 (3,154,511) 164 58500 (()()()) 5,719,069 5,647,077 1 59000 (()()()) 414,562 577,498 (28) 59500 () 4,410,520 4,297,338 3 10,544,151 10,521,913-61001 3,569,599 9,776,115 (63) 61003 (()) 566,251 1,403,000 (60) 69000 $ 3,003,348 8,373,115 (64) 69500 ()(()) $ 1.23 1.03 3.36 2.88 91

Annual Report $ 29,105,720 5,786,031 - - 2,922,991 363,949 373,167 66,283 (328,353) 38,289,788 - - - - 8,373,115 - - - - 8,373,115 () (()) - - 876,897 - (876,897) - - - - - (()) - - - - (2,045,889) - - - - (2,045,889) - - - 136,034 - - - - - 136,034 - - - - - (124,536) - - - (124,536) (()) - - - - - - 399,175 - - 399,175 (()) - - - - - - - 124,084-124,084 - - - - - - - - 84,267 84,267 29,105,720 5,786,031 876,897 136,034 8,373,320 239,413 772,342 190,367 (244,086) 45,236,038 - - - - 3,003,348 - - - - 3,003,348 () (()) - - 2,511,935 - (2,511,935) - - - - - (()) - - - - (4,365,858) - - - - (4,365,858) (()) - - - - - - 78,703 - - 78,703 (()) - - - - - - - (56,692) - (56,692) - - - - - - - - (34,550) (34,550) $ 29,105,720 5,786,031 3,388,832 136,034 4,498,875 239,413 851,045 133,675 (278,636) 43,860,989 92

101 100 $ 3,003,348 8,373,115 389,073 497,062 25,489 80,436 () 2,020,735 (3,154,511) 68,640 636 (299,125) (209,288) 209,287 6,401 (1,386) (12,421) 12,832 169,782 (648,300) (914,171) (232,585) (1,065,367) (29,755) (26,881) () 11,322,981 (12,461,721) () 5,054,375 (8,456,414) (3,426,321) (7,485,818) 251,949 1,310,163 70 201,528 () 561,254 (213,063) (6,505,884) (4,937,951) () 1,188,682 (1,570,361) 1,727,172 2,005,281 () 24,587,958 (1,250,798) () 210,054 (775,449) () 39,490,543 (29,889,810) 6,325,347 25,253,717 (6,408,078) 1,249,462 773,234 1,248,847 (13,657,044) (34,770,350) 7,979 12,421 (2,937) (70,093) 565,952 1,826,590 (12,395,547) (5,249,406) (9,106,406) 7,743,030 (33,018,107) 5,445,206 14,623,612 27,962,743 (4,365,858) (2,045,889) () (31,866,759) 39,105,090 () (4,771,763) 3,965,874 11,469,535 7,503,661 $ 6,697,772 11,469,535 $ 4,994,005 4,374,699 $ 10,030 170,577 $ 78,703 399,175 93

Annual Report () () ( ) () () 4,1573,853 94

() () () () () () 95

Annual Report () ()() ( ) 1. 2. 3. () 96

() () 97

Annual Report () () () ( ) 1. 2. 3. 4. 5. 98

() () 99

Annual Report () () ( ) () () () 14 100

() () () () () () 09900738571 () 101

Annual Report () () () () () (96)052 102

() () () () 2,000() () () 103

Annual Report () 101.12.31 100.12.31 $ 5,096,769 5,728,508 447,927 767,217 1,153,076 4,973,810 $ 6,697,772 11,469,535 () 101.12.31 100.12.31 $ 8,609,988 11,090,163 17,709,933 18,439,964 174,212 160,429 1,038,443 704,826 27,532,576 30,395,382 5,451,764 10,502,914 35,088,854 33,500,245 40,540,618 44,003,159 $ 68,073,194 74,398,541 104

() 101.12.31 100.12.31 $ 21,512,425 25,458,794 8,032,285 15,408,897 $ 29,544,710 40,867,691 $ 8,357,471 14,863,355 101 100 $ 82,065 52,919 1,649,563 923,704 $ 1,731,628 976,623 $ 220,281 128,263 () 101.12.31 100.12.31 $ 3,402,039 8,456,414 0.770.73 0.763,402,7758,457,410 105

Annual Report () 101.12.31 100.12.31 $ 26,424,694 25,387,750 5,762,258 5,772,545 2,378,579 432,549 1,712,587 1,634,132 986,121 613,647 583,071 357,035 115,818 224,890 129,100 489,049 38,092,228 34,911,597 223,385 469,075 $ 37,868,843 34,442,522 () 101.12.31 100.12.31 $ 1,255,554 4,094,073 56,985,085 32,721,346 5,334,209 6,722,615 66,481,682 62,843,278 5,197,138 3,623,958 5,510,350 6,687,553 213,644,721 233,075,672 1,204,944 530,267 355,613,683 350,298,762 221,704 85,739 5,448,341 4,233,498 $ 350,387,046 346,151,003 106

101 $ 2,338,688 2,363,885 4,702,573 1,957,413 89,688 2,047,101 957,854-957,854 1,785,614-1,785,614 266,523 (16,335) 250,188 $ 3,201,818 2,469,908 5,671,726 100 $ 6,353,546 3,170,518 9,524,064 (3,088,066) (146,400) (3,234,466) 1,306,095-1,306,095 2,500,391-2,500,391 192,685 202,751 395,436 2,707-2,707 457,482 (457,482) - $ 2,338,688 2,363,885 4,702,573 101.12.31 $ 13,278,911 3,201,818 380,427,000 2,469,908 $ 393,705,911 5,671,726 100.12.31 $ 13,243,638 2,338,688 371,966,721 2,363,885 $ 385,210,359 4,702,573 107

Annual Report 5,671,726 5,448,341223,385 4,702,5734,233,498469,075 2,020,735 2,047,10126,366 3,154,511 3,234,46679,955 10020003841 0.6858,478 1,204,944530,2674,213 2,203 101.12.31 100.12.31 $ 310,708,028 326,336,975 44,905,655 23,961,787 $ 355,613,683 350,298,762 101.12.31 122,083 990,716 21,716,460 69,585,547 0.56 % 1.42 % 1,071,623 916,151 877.78 % 92.47 % 834,357 201,380,086 0.41 % 1,367,330 163.88 % 542,323 57,544,132 0.94 % 2,089,812 385.34 % - 750,352 - % - - % - 4,637,106 - % 3,425 - % 2,489,479 355,613,683 0.70 % 5,448,341 218.85 % 41,280 5,762,258 0.72 % 220,298 533.67 % - 26,424,694 - % - - % 108

100.12.31 113,017 76,784 24,030,880 47,986,593 0.47 % 0.16 % 389,248 898,533 344.42 % 1,170.21 % 995,509 218,760,987 0.46 % 1,216,694 122.22 % 359,158 56,415,663 0.64 % 1,725,771 480.50 % - 847,704 - % - - % - 2,256,935 - % 3,252 - % 1,544,468 350,298,762 0.44 % 4,233,498 274.11 % 19,375 5,772,545 0.34 % 464,752 2,398.72 % - 25,387,750 - % - - % 101.12.31 100.12.31 $ 20,895 75,306 27,145 99,544 475,817-429,271 - $ 496,712 75,306 456,416 99,544 () 101.12.31 100.12.31 $ 177,952,550 178,915,781 23,434,770 11,360,269 19,454,877 15,135,188 5,549,175 5,092,553 557,107 917,053 226,948,479 211,420,844-1,800,791 93,322 98,064 14,469 62,678 $ 227,027,332 213,257,021 $ 3,088 26,641 109

Annual Report 101 100 $ 772,342 373,167 72,252 421,924 () (6,451) 22,749 $ 851,045 772,342 12,005,275 10,204,484 1,800,791 13,234,322 10,322,771 2,911,551 1,800,791 2,911,551 168,76248,209 110

1. 100.12.31 () 30.00-0.73 - () 1.50-2.60-2. 10 100.12.31 $ 1,742,076-10 (176) - 10 (175) - 3. 4. 101 $ 28,438-5,000-434 - (171) - 100 $ 36,696 50,524 5,000 5,632 33 197 (29) (140) 111

Annual Report () 101.12.31 100.12.31 100.00 $ 21 345,889 100.00 21 258,244 100.00 368 23,528 100.00 368 21,335 $ 389 369,417 389 279,579 () 0.99 $ - - 0.99 - - () 4.84 29,000 29,000 4.84 29,000 29,000 () 1.14 45,500 45,500 1.14 45,500 45,500 () 3.18 6,673 6,673 3.18 6,673 6,673 () 5.00 15,188 15,188 5.00 20,250 20,250 () 4.76 8,549 8,549 4.76 10,080 10,080 () 2.73 188,500 188,500 2.73 188,500 188,500 () 2.94 50,000 50,000 2.94 50,000 50,000 () 1.42 849 849 1.42 849 849 () - - - 3.35 2,468 2,468 () 0.17 9,277 9,277 0.17 9,277 9,277 353,536 353,536 362,597 362,597-202,127-204,595 $ 353,536 151,409 362,597 158,002 299,125209,288 209,2876,401 ( )16,75711,778 ()13,346 ()4,593 12700 98.441012,4210 ()() 987 4210 () 25105,062 ()15.19 101,50922 01,020( ) 112

() 101.12.31 100.12.31 $ 3,126,362 3,136,106 2,738,907 2,939,399 723,825 755,261 582,680 821,300 1,315,226 1,491,822 8,487,000 9,143,888 2,923,493 3,066,998 16,522 - $ 5,546,985 6,076,890 101 100 $ 3,066,998 3,151,683 382,120 487,093 18,697-544,322 548,608-23,170 $ 2,923,493 3,066,998 () 101.12.31 100.12.31 $ 3,156,048 3,156,048 50,719 85,257 37,387 61,893 $ 3,244,154 3,303,198 25,489 80,436() 113

Annual Report () 101.12.31 100.12.31 $ 1,940,302 2,190,547 ( 64,775 96,525) ( 2,6950 ) 131,666 368,929 342,003 321,824 461,413 527,012-488,599 174,588 174,567 $ 3,049,972 4,071,478 $ 15,786 10,631 5,558 3,651 3,730 $ 39,356 () 101.12.31 100.12.31 $ 4,538,083 5,182,659 162,443,255 171,321,632 178,958,735 198,619,187 127,267,949 126,998,272 89,789,541 93,898,964-59,822 74,414 71,156 $ 563,071,977 596,151,692 $ 29,001 90,609 114

() 101.12.31 100.12.31 91-1A 4.25 $ 1,000 1,000 4.596.7.19 94-1 94-2 98-1 98-2 98-3 100-1A 100-1B 100-1C 100-1D 100-1E 100-1F 100-1G 100-1H 1.493 1.493 2.9 3.4108.10.28 104.6.11 3.33104.6.11 4.33 104.6.11 3.33104.6.11 4.33 1.03 102.5.19 1.17 103.5.19 1.32 104.5.19 1.45 105.5.19 1.51 106.5.19 1.60 107.5.19 90 102.5.19 90 105.5.19 2,400 4,100 1,500 5,900 10,000,000 10,000,000 4,355,292 4,540,436 4,355,292 4,540,436 800,000 800,000 100,000 100,000 650,000 650,000 6,150,000 6,150,000 1,000,000 1,000,000 2,550,000 2,550,000 3,700,000 3,700,000 400,000 400,000 100-1I 90 4,000,000 4,000,000 107.5.19 100-2 1.451 105.6.8 500,000 500,000 100-3A 1.04 102.6.23 950,000 950,000 115

Annual Report 101.12.31 100.12.31 100-3B 90 $ 700,000 700,000 102.6.23 100-3C 1.40 1,100,000 1,100,000 100-4A 100-4B 100-4C 100-4D 101-1A 101-1B 101-1C 105.9.23 1.32 103.6.29 90 0.15 102.6.29 90 0.15 103.6.29 90 0.15 110.6.29 1.05 103.1.17 90 0.25 103.1.17 1.09 104.1.17 2,000,000 2,000,000 400,000 400,000 1,000,000 1,000,000 2,000,000 2,000,000 7,000,000-700,000-600,000-101-2 1.05 6,700,000-103.5.24 61,715,484 47,091,872 299,053 420,298 $ 62,014,537 47,512,170 91-1A 8,000,000 94-194-2 10,000,000 () 94-194-2 98-1 10,000,000 116

98-298-3 300,000 100-1 100-2100-3100-428,000,000 101-1 101-215,000,000 () 101 100 $ 406,417 335,690 220,281 128,263 416,958 389,100 11,178,294 10,473,714 2,131,823 1,921,969 485,147 273,344 456,297 384,880 $ 15,295,217 13,906,960 () 101 100 $ 90,229 134,127 18,551 21,251 (26,770) (48,679) 18,143 24,199 49,139 6,740 $ 149,292 137,638 117

Annual Report () 101 100 $ 1,567,871 1,576,523 255,507 273,365 161,125 160,366 870,161 733,450 2.2 6 101.12.31 100.12.31 $ (1,897,209) (1,720,978) (540,823) (588,995) (2,438,032) (2,309,973) (966,008) (917,883) (3,404,040) (3,227,856) 1,567,871 1,576,523 (1,836,169) (1,651,333) 48,871 80,321 1,848 4,936 1,294,637 1,211,962 (379,348) (379,336) $ (870,161) (733,450) $ (1,940,044) (1,941,142) 101 100 $ 148,527 160,770 43,758 44,827 (23,620) (23,952) 86,842 91,720 $ 255,507 273,365 118

101 100 1.20 % 1.40 % 3.50 % 3.50 % 1.50 % 1.50 % ( ) 118,808150,426 5,6808,496 () 1. 20 101.12.31 100.12.31 576,342 580,649 182,838 215,079 144,161 123,871 85,485 95,515 529,534 576,342 27,936 36,247 119

Annual Report 101 13.95 14.35 11.40 11.40 () 3 3 () 29.80 30.00 () 3.33 3.33 () 0.40 0.40 ()() 3.10 3.10 3.28 3.53 100 14.11 11.70 10.65 10.65 () 3/5 3/5 () 53.80/45.80 53.30/45.50 () 3.33/5.33 3.33/5.33 () 0.90/1.40 0.70/1.20 ()() 3.90/3.50 3.90/3.50 5.46/5.39 3.87/3.87 2.() 50 101.12.31 100.12.31 254,648 248,673 1,454 48,049 95,518 25,612 32,880 16,462 127,704 254,648 120

45,304 59,369 100 16.82 () 1/2/3 ()() 4.10 16.82/15.22 101 15.84 14.82 14.17 15.65 () 2/3 1/2/3/4 2/3 2/3 2/3 ()() 3.70 3.00 3.80 3.80 14.46 13.76 12.91 14.26 100 14.35 13.52 15.75 () 2/3 2/3 2/3 ()() 2.90 2.90 4.10 13.36 12.59 14.25 121

Annual Report 3. 101.12.31 100.12.31 6,233 6,233 6,233 - - 6,233 4.() 101.12.31 100.12.31 77,608 105,055 44,109 12,523 18,495 14,924 15,004 77,608 5,372 9,023 36 122

101 15.84 14.82 14.17 15.65 () 3 3 3 3 ()() 3.73 3.15 3.50 3.50 () 4.73 4.50 4.26 4.71 () 1.86 1.77 1.68 1.85 100 14.35 13.52 15.75 16.31 () 3 3 3 3 ()() 4.00 4.00 3.70 3.70 () 4.26 4.01 4.70 4.87 () 1.67 1.58 1.85 1.91 50 5.() 50 101.12.31 100.12.31 32,457 42,165 11,515 9,640 491 68 20,451 32,457 1,024 3,999 123

Annual Report 100 16.82 () 2/3 ()() 4.10 15.22 101 15.84 14.82 14.17 15.65 () 2/3 1/2/3/4 2/3 2/3 2/3 ()() 3.70 3.00 3.80 3.80 14.46 13.76 12.91 14.26 100 14.35 13.52 15.75 () 2/3 2/3 2/3 ()() 2.90 2.90 4.10 13.36 12.59 14.25 () 17 101 100 () $ (7,084) 1,811 251,949 1,310,163 149,532 20 171,854 91,006 $ 566,251 1,403,000 124

101 100 $ 606,832 1,661,940 (395,265) (345,174) (7,084) 1,811 149,532 20 171,854 91,006 40,382 (6,603) $ 566,251 1,403,000 101 100 $ (1,836) (10,210) 40,911 36,492 (224,820) 789,727 47,539 38,993 (11,720) (108) (23,237) (20,900) - 991 (1,017) 6,439 3,366 (7,264) 53,652 53,653 369,111 422,350 $ 251,949 1,310,163 125

Annual Report 101.12.31 100.12.31 $ 226,677 38,535 215,877 36,699 1,775,832 301,891 2,016,480 342,802 2,551,427 433,743 1,228,959 208,923 (269,914) (45,886) 9,722 1,653 69,886 11,881 946 161 887,296 150,840 750,605 127,603 44,245 7,522 38,265 6,505 260,380 44,264 280,173 47,630 (1,262,419) (214,611) (946,814) (160,959) 8,287,052 1,408,800 10,458,302 1,777,911 (995,873) (169,298) (937,589) (159,390) (161,054) (27,379) (229,358) (38,991) $ 1,940,302 2,190,547 () 101.12.31 100.12.31 () $ 7,084 (1,811) 266,767 170,577 (7,084) 1,811 (149,532) (20) (171,854) (91,006) $ (54,619) 79,551 115,818 11,161145,339 21,191 101.12.31 $ 4,937,601 3,349,451 $ 8,287,052 126

101.12.31 100.12.31 $ 28,169 15,842 101() 100() 1.88 % 20.48 % () 1. 30,000,00029,105,720 2. 3. 2,511,935876,897 4. 30 (1)99.99% (2)0.01% 127

Annual Report 4,365,8582,045,889 205205 586 5893 5. 2,910,572 () 1. (1) (2) (3) (4) (5) 128

(6) (7)() Black Scholes ModelFBS 101.12.31 100.12.31 $ 21,512,425 25,458,794 8,032,285 15,408,897 226,948,479 211,420,844-1,752,582 78,853 83,595 8,357,471 14,863,355 1,170,96959,127 2. 101.12.31 $ 1,125,438,066 4,687,570 4,062,267 76,268,998 379,105 342,588 406,792,774 1,940,777 2,576,715 49,101,587 811,690 745,182 102,604,481 557,384 559,500 1,855,622 83,370 83,370 1,237,542 1,372 1,372 $ 1,763,299,070 8,461,268 8,370,994 129

Annual Report 100.12.31 $ 1,253,545,029 7,954,488 7,690,979 97,397,841 665,870 628,723 508,895,192 4,725,797 3,580,035 76,947,143 2,177,960 2,443,187 135,253,814 557,455 556,586 933,114 29,286 29,286 7,360,167 27,000 27,000 $ 2,080,332,300 16,137,856 14,955,796 : 3. (1) (value at risk) 250 97.5 () 101 100 $ 6,213 12,847 2,233 4,182 12,420 814 14,695 25,317 8,270 20,433 44,971 12,865 (2) 62.9569.55 130

() 101.12.31 100.12.31 $ 43,306,915 36,758,508 15,019,866 7,932,603 1,455,281 6,142,979 267,830,077 285,470,139 12,947,258 3,104,060 15,054,286 10,890,473 $ 355,613,683 350,298,762 101.12.31 (%) 1 3,187,547 7.27 % 2 3,048,214 6.95 % 3 2,846,157 6.49 % 4 2,605,617 5.94 % 5 2,445,178 5.58 % 6 1,923,089 4.38 % 7 1,914,763 4.37 % 8 1,859,884 4.24 % 9 1,806,378 4.12 % 10 1,742,134 3.97 % 131

Annual Report 100.12.31 (%) 1 4,540,436 10.04 % 2 2,539,332 5.61 % 3 2,048,904 4.53 % 4 1,944,819 4.30 % 5 1,816,174 4.01 % 6 1,774,955 3.92 % 7 1,696,163 3.75 % 8 1,572,072 3.48 % 9 1,503,064 3.32 % 10 1,422,670 3.14 % (3) 54.96 51.96 132

101.12.31 $ 6,697,772 - - - 6,697,772 44,761,072 5,602,189-17,709,933 68,073,194 29,544,710 - - - 29,544,710 3,402,039 - - - 3,402,039 41,526,564 18,892,737 42,314,966 247,652,779 350,387,046 34,098,421 174,647,837 18,197,055 84,019 227,027,332 3,162 41,582 330,163 205,485 580,392 $ 160,033,740 199,184,345 60,842,184 265,652,216 685,712,485 $ 8,220,944 1,063,039 - - 9,283,983 8,357,471 - - - 8,357,471 397,093,200 162,292,496 3,686,281-563,071,977 4,900 6,550,805 28,026,644 27,432,188 62,014,537 3,157,766 2,004,601 28,541,392 1,000,000 34,703,759 $ 416,834,281 171,910,941 60,254,317 28,432,188 677,431,727 $(256,800,541) 27,273,404 587,867 237,220,028 8,280,758 100.12.31 $ 11,469,535 - - - 11,469,535 52,931,620 3,026,957-18,439,964 74,398,541 40,867,691 - - - 40,867,691 8,456,414 - - - 8,456,414 32,847,183 10,651,845 36,948,350 265,703,625 346,151,003 62,200,932 132,057,362 12,064,722 6,934,005 213,257,021 28,268 3,820 488,876 366,067 887,031 $ 208,801,643 145,739,984 49,501,948 291,443,661 695,487,236 $ 17,243,476 1,146,913 - - 18,390,389 14,863,355 - - - 14,863,355 420,055,136 147,055,447 29,041,109-596,151,692 - - 18,600,092 28,912,078 47,512,170 5,958,368 100,020 1,227,166 2,902,619 10,188,173 $ 458,120,335 148,302,380 48,868,367 31,814,697 687,105,779 $(249,318,692) (2,562,396) 633,581 259,628,964 8,381,457 133

Annual Report 130 3190 91180 1811 1 $ 796,223,830 190,823,333 56,801,342 101,985,455 176,682,452 269,931,248 796,639,425 144,584,908 90,529,993 124,157,229 92,979,710 344,387,585 (415,595) 46,238,425 (33,728,651) (22,171,774) 83,702,742 (74,456,337) 130 3190 91180 1811 1 $ 11,924,036 4,903,564 3,166,560 1,575,848 1,303,847 974,217 11,955,176 4,559,336 3,356,929 959,154 1,338,252 1,741,505 (31,140) 344,228 (190,369) 616,694 (34,405) (767,288) 130 3190 91180 1811 1 $ 828,288,527 179,777,567 120,082,839 72,244,490 174,627,253 281,556,378 845,379,289 121,583,216 184,292,171 108,323,178 89,799,803 341,380,921 (17,090,762) 58,194,351 (64,209,332) (36,078,688) 84,827,450 (59,824,543) 130 3190 91180 1811 1 $ 12,475,547 4,363,809 5,017,542 1,509,401 1,199,636 385,159 12,618,871 4,209,749 4,914,597 1,108,572 1,508,339 877,614 (143,324) 154,060 102,945 400,829 (308,703) (492,455) (4) 134

() 101.12.31 $ - - - - - - - - 6,697,772 6,697,772 48,438,343 4,210,019 5,602,189 - - - - - 9,822,643 68,073,194 26,150,117 - - - - - - - 3,394,593 29,544,710 3,402,039 - - - - - - - - 3,402,039 87,673,119 243,564,165 16,733,684 125,095 272,595 1,652,429 357,722 4,029,930 (4,021,693) 350,387,046 24,802,045 9,296,376 174,647,837 4,696,248 3,159,005 5,093,966 5,247,836 5,166 78,853 227,027,332 458 2,704 41,582 182,749 7,757 122,511 17,146 54,076 151,409 580,392 $ 190,466,121 257,073,264 197,025,292 5,004,092 3,439,357 6,868,906 5,622,704 4,089,172 16,123,577 685,712,485 $ 5,678,976 3,600,375 - - - - - - 4,632 9,283,983 4,391,333 - - - - - - - 3,966,138 8,357,471 364,492,669 47,628,042 143,426,565 2,792,612 194,006 - - - 4,538,083 563,071,977 10,119,343 47,190,294-4,700,000 - - - - 4,900 62,014,537 12,554,704 22,135,532 4,601 5,098-82 3,742 - - 34,703,759 $ 397,237,025 120,554,243 143,431,166 7,497,710 194,006 82 3,742-8,513,753 677,431,727 $(206,770,904) 136,519,021 53,594,126 (2,493,618) 3,245,351 6,868,824 5,618,962 4,089,172 7,609,824 8,280,758 100.12.31 $ - - - - - - - - 11,469,535 11,469,535 48,129,918 11,286,248 3,026,957 - - - - - 11,955,418 74,398,541 33,377,868 - - - - - - - 7,489,823 40,867,691 8,456,414 - - - - - - - - 8,456,414 18,908,803 302,495,944 22,582,738 393,416 204,509 308,364 2,160,886 3,226,179 (4,129,836) 346,151,003 27,326,906 34,874,026 132,057,362 3,707,146 683,456 663,557 7,010,563 6,934,005-213,257,021 267 28,001 3,820 5,892 163,644 311,936 7,404 208,065 158,002 887,031 $ 136,200,176 348,684,219 157,670,877 4,106,454 1,051,609 1,283,857 9,178,853 10,368,249 26,942,942 695,487,236 $ 14,779,184 3,611,205 - - - - - - - 18,390,389 8,300,681 - - - - - - - 6,562,674 14,863,355 357,345,659 71,584,185 134,118,723 27,100,312 1,195,353 - - - 4,807,460 596,151,692 10,420,299 37,080,871 - - - - - - 11,000 47,512,170 5,274,243 4,894,908 20-11,071 5,313-2,618-10,188,173 $ 396,120,066 117,171,169 134,118,743 27,100,312 1,206,424 5,313-2,618 11,381,134 687,105,779 $(259,919,890) 231,513,050 23,552,134 (22,993,858) (154,815) 1,278,544 9,178,853 10,365,631 15,561,808 8,381,457 135

Annual Report 190() 91180() 1811() 1 $ 402,400,674 71,950,273 119,455,103 20,110,449 613,916,499 412,576,436 78,419,804 47,247,334 7,444,461 545,688,035 (10,175,762) (6,469,531) 72,207,769 12,665,988 68,228,464 41,261,858 () 112.50 () 165.35 190() 91180() 1811() 1 $ 3,152,544 33,294 195,110 181,567 3,562,515 4,032,098 141,171 316,698 8,648 4,498,615 (879,554) (107,877) (121,588) 172,919 (936,100) 89,328 () 79.19 () (1,047.94) 190() 91180() 1811() 1 $ 136,218,810 53,000,506 137,180,524 264,370,952 590,770,792 95,550,677 81,358,934 57,808,390 271,510,009 506,228,010 40,668,133 (28,358,428) 79,372,134 (7,139,057) 84,542,782 43,632,073 () 116.70 () 193.76 190() 91180() 1811() 1 $ 2,214,959 408,411 106,828 290,153 3,020,351 3,607,752 174,587 195,446 644,190 4,621,975 (1,392,793) 233,824 (88,618) (354,037) (1,601,624) 57,159 () 65.35 () (2,802.05) 136

(5) 101 $ 17,303,941 0.48 () 50,009,448 0.65 352,506,144 3.17 22,531,811 0.98 209,841,833 1.02 ( 28,878,149 0.65 ) () 295,695,458 0.23 () 244,561,379 1.23 13,484,320 1.04 58,880,459 1.86 100 $ 19,649,932 0.46 () 45,330,406 0.54 359,501,373 2.91 13,450,852 0.95 206,924,996 0.93 ( ) 17,258,359 0.67 () 294,554,178 0.17 () 275,592,427 1.12 10,438,980 1.01 35,178,978 2.23 (6) 137

Annual Report (7) 4. () 101.12.31 101.12.31 $ 3,088 $ (3,209) (29,001) 26,942 (299,053) 300,723 $ (324,966) $ 324,456 100.12.31 100.12.31 $ 16,185 $ (14,882) 10,456 (10,750) (90,609) 92,330 (420,298) 424,480 $ (484,266) $ 491,178 5. () $ 43,238,932 161,054 101 $ (56,692) 138

$ 59,225,000 229,358 100 $ 124,084 6. (1) 101 $ 21,512,425 4,366,153 17,146,272-226,948,479 19,457,576 207,490,903-78,853 78,853 - - 8,032,285 2,631 8,029,654-428,983-428,983-8,357,471 3,935 8,353,536-13,523-13,523-139

Annual Report 100 $ 25,458,794 6,386,879 19,071,915-211,420,844 26,478,144 184,942,700-1,752,582 - - 1,752,582 83,595 83,595 - - 15,408,897 3,403 15,042,539 362,955 728,959-728,959-14,863,355 1,955 14,585,681 275,719 92,441-92,441 - (2) 101 $ 1,752,582 - - - - (1,752,582) - - - 362,955 - - - - (362,955) - - - $ 2,115,537 - - - - (2,115,537) - - - 100 $ 4,951,442 (3,198,860) - - - - - - 1,752,582 598,304 (235,349) - - - - - - 362,955 $ 5,549,746 (3,434,209) - - - - - - 2,115,537 140

(3) 101 $ 275,719 - - - - (275,719) - - - 100 $ 500,037 (224,318) - - - - - - 275,719 1 345 (1)(2) (3) 2() () (1) () (2) (3)( )( ) (4) 3( ) 141

Annual Report () ("SCB") Standard Chartered Bank Taipei Branch ("SCB Taipei") Standard Chartered Bank New York ("SCB New York") Standard Chartered Bank Tokyo ("SCB Tokyo") Standard Chartered Bank Singapore ("SCB Singapore") Standard Chartered Bank Germany ("SCB Germany") Standard Chartered Bank Malaysia ("SCB Malaysia") Standard Chartered Bank India ("SCB India") Scope International Private Limited Scope International (M) Sdn Bhd Standard Chartered Bank Hong Kong Limited ("SCB HK") Standard Chartered First Bank Korea Limited ("SCFB Korea") Standard Chartered Bank China Limited ("SCB China") () () () 1. 101.12.31 1 $ 790,139 0.14 0.00~5.28 100.12.31 1 $ 603,637 0.10 0.00~5.31 142

4,1913,446252339 2. 101.12.31 8 5,950 3,188 3,188-17 170,970 160,719 160,719-2 6,994 6,610 6,610-100.12.31 13 7,623 6,437 6,437-16 146,679 129,714 129,714-1 10,091 2,724 2,724-2,2051,971142104 3. 101 SCB New York $ 531,282 0.08~1.28 1,537 SCB China 498,620 - - SCB HK 60,487 - - SCB Singapore 28,641 - - 34,046 - - $ 1,153,076 1,537 100 SCB Germany $ 3,422,811 - - SCB HK 1,114,127 - - 436,872 0.00~0.55 882 $ 4,973,810 882 0 143

Annual Report 4. 101 SCB Taipei $ 35,088,854 0.10~1.93 232,387 100 SCB Taipei $ 33,500,245 0.03~1.45 149,883 101,48912,182 5. 101 SCB Taipei $ 489 0.01 7 100 SCB Taipei $ 58,737 0.01 38 0 6. 101 SCB Germany $ 89,885 - - SCB HK 33,844 0.01 52 45 - - $ 123,774 52 100 SCB New York $ 790,183 - - 144

7. 101 SCB Tokyo $ 303,496 0.01 14 SCB HK 235,366 0.07~3.00 25,127 $ 538,862 25,141 100 SCB HK $ 6,053,914 0.01~1.32 39,959 SCB Taipei 3,026,957 0.44~1.38 11,378 $ 9,080,871 51,337 49417,805 8. 101.12.31 SCB 102.1.9~ 106.10.11 102.1.2~ 106.8.22 102.1.2~ 102.11.6 $ 18,842,156 (181,650) 2,286,528 2,129 57,122,853 217,649 102.10.1 29,035 2,859 102.1.1~ 103.12.3 102.1.3~ 102.6.4 102.1.14~ 102.7.2 51,302,241 (497,729) 687,614 392 618,771 (1,372) 137,400 (319,050) 2,601 (472) 655,146 (437,497) 2,859 30,776 (528,505) 41,881 (41,489) (1,372) 145

Annual Report 101.12.31 () 102.5.2~ 106.9.18 SCB Singapore 102.1.3~ 102.8.22 SCB HK 102.1.4~ 102.12.18 $ 7,955,215 7,969 13,965,608 (92,140) 23,463,139 (107,356) 8,225 (256) 75,228 (167,368) 108,520 (215,876) 100.12.31 SCB 101.1.10~ 105.12.1 101.1.3~ 105.8.29 101.1.3~ 102.4.24 101.2.22~ 101.10.12 101.1.2~ 102.11.28 101.1.9~ 101.4.20 101.1.9~ 101.9.10 SCB Singapore 101.1.3~ 101.12.13 $ 46,343,512 (763,358) 8,406,594 (32,539) 51,385,246 1,013,273 14,036,427 100,590 67,626,906 (362,349) 696,813 20,954 3,680,084 (3,671) 33,382,351 86,153 SCB HK 101.1.5 243,531 (307) 453,627 (1,216,985) 2 (32,541) 1,206,737 (193,464) 644,326 (543,736) 97,118 (459,467) 25,120 (4,166) 13,879 (17,550) 292,913 (206,760) 9.() 101.12.31 100.12.31 SCB HK $ 5,247,836 5,092,553 (307) 146

10. 101.12.31 100.12.31 SCB 98-2 $ 4,355,292 4,540,436 SCB 98-3 4,355,292 4,540,436 () 341,765326,14418,49319,524 11. 21-231-49 42,500 23,130 12.1,052,814 535,044277,831 964,306653,122 278,306 5,465,1183,761,788 44,79449,880 48,66353,284 13.79,636 108,638 473,700 408,262 14.141,000 147

Annual Report 15. 101 100 SCB $ 62,667 62,537-1,480 $ 62,667 64,017 Scope International Private Ltd. $ 67,629 56,023 Scope International (M) Sdn. Bhd 70,914 68,189-6,329 $ 138,543 130,541 16. 608,503383,2272,126 1,4584867 33,44233,071173138 16 17.15 18. 387,140185,400 394,233187,880 9,72012,60010,76711,702 19.SCB Taipei4,278 () 101 100 $ 93,881 78,512 113,697 93,034 148

101.12.31 100.12.31 ( $ 154,000 198,000 ) - 700,000 () 11,200 11,200 $ 165,200 909,200 101.12.31 100.12.31 ( $ - 25,000 ) 150,000 150,000 35,000 35,000 225,000 225,000 100,000 50,000 510,000 485,000 () 100,000 100,000 10,000 10,000 110,000 110,000 $ 620,000 595,000 () ( () ( () () 40,000 () () 149

Annual Report () () 32,000 123,122 () 31,614944 1,118() () $ 518,034 448,073 308,511 123,845 3,698 $ 1,402,161 () 101.12.31 100.12.31 $ 9,176,863 10,448,433 85,584 123,009 1,642,020,829 1,374,512,602 112,727,231 131,948,904 $ 1,764,010,507 1,517,032,948 $ 2,177,170 1,169,610 $ 7,066,722 9,390,534 $ 1,878,599 2,291,150 150

() $ 18,069 $ 14 108,235,720 1 2,565,637 1,907,799 1,907,799 110,819,417 6 $ 112,727,231 $ 112,727,231 $ 20,840 $ 15 123,343,564 2 6,037,371 2,547,111 2,547,111 129,401,776 18 $ 131,948,904 $ 131,948,904 151

Annual Report 101 100 $ 113 135 799 16,253 52-1,992 - - 555 2,956 16,943 178 195 1 390-268 - 811 468-647 1,664 2,309 15,279 12 13 $ 2,297 15,266 101.12.31 100.12.31 $ 18,069 20,840 8,789,054 2,830,507 2,475,194 3,047,643 96,971,472 117,465,414 2,565,637 6,037,371 1,907,799 2,547,111 6 18 $ 112,727,231 131,948,904 152

() 101 100-4,637,855 4,637,855-4,589,075 4,589,075-324,230 324,230-319,948 319,948-422,312 422,312-442,227 442,227-334,672 334,672-295,827 295,827-389,073 389,073-497,062 497,062-25,489 25,489-80,436 80,436 () () 1. 101.12.31 100.12.31 11,239 38,457 79,569 3,111,005 5,652 26,607 739 22,712 678 20,428 751 17,562 673 15,995 (49,752) (239,774) (6,880) (199,765) (123,563) (3,740,196) 2. 101 100 0.48 1.35 () 0.41 1.16 8.01 23.41 () 6.74 20.05 () 18.61 48.84 ()() ()() () 153

Annual Report () 1. 101.12.31 100.12.31 39,138,981 40,574,699 20,120,730 19,626,805 - - 59,259,711 60,201,504 319,947,000 308,452,918 - - - - 31,379,656 33,554,611 - - - - 18,918,596 22,005,098 - - 370,245,252 364,012,628 16.01 % 16.54 % 10.57 % 11.15 % 5.43 % 5.39 % - % - % 3.96 % 3.91 % 5.32 % 5.64 % 154

2. 101.12.31 100.12.31 39,323,690 40,714,489 20,305,439 19,766,595 - - 59,629,129 60,481,084 320,140,839 308,549,573 - - - - 31,816,384 33,361,767 - - - - 18,918,596 22,005,098 - - 370,875,819 363,916,439 16.08 % 16.62 % 10.60 % 11.19 % 5.47 % 5.43 % - % - % 3.96 % 3.92 % 5.34 % 5.66 % () 101.12.31 100.12.31 4,266,372 29.04 $123,875,289 3,698,639 30.27 $111,956,229 851,470 29.04 24,722,682 487,534 30.27 14,757,435 4,641,574 29.04 134,769,406 4,906,216 30.27 148,509,061 953,020 29.04 27,671,201 543,230 30.27 16,443,353 155

Annual Report ()IFRS IFRS () 1. 2. 3. 272,084 530,000 232,625 4. 5. 6. (1) 101/05/25 101/05/31 101/11/28 101/11/28 37,062 139,397 99,045-266,026 258,105 67,481 150,933 80,915-216,878 210,235 (2)10() 7. 8. 156

() 1. () () () () () () () () () () () () () () 106 106 100.00 % 345,889 283,328 300-300 100 % - 100.00 % 23,528 15,797 300-300 100 % - 0.99 % - - 20-20 0.99 % - 258 67 181 8 81 400 8 4.84 % 29,000-3,417-3,417 4.84 % - 1.14 % 45,500-5,119-5,119 1.14 % - 3.18 % 6,673-630 - 630 3.18 % - 5.00 % 15,188-1,519-1,519 5.00 % - 176 111 708 2431 99 6B1 221815 4.76 % 8,549-855 - 855 4.76 % - 333 9 363 1 2.73 % 188,500-18,850-18,850 2.73 % - 2.94 % 50,000-5,000-5,000 2.94 % - 1.42 % 849-85 - 85 1.42 % - - - - - - - - 0.17 % 9,277-533 - 533 0.17 % - 0.06 % 78,853-4,823-4,823 0.06 % 285 14 () () () 157

Annual Report 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 158

(88)()18311 0980002150 159

Annual Report 101.12.31 100.12.31 11000 (()) $ 6,697,772 11,469,535 (42) 11500 (()) 68,073,194 74,398,541 (9) 12000 (()()) 29,544,710 40,867,691 (28) 12500 (()) 3,402,039 8,456,414 (60) 13000 (()()() 37,663,105 34,337,317 10 13500 (()()) 350,387,046 346,151,003 1 14000 (()()) 227,027,332 213,257,021 6 15500 (()()) 580,392 887,031 (35) 18500 (()) 5,546,985 6,076,943 (9) 19000 (()()) 3,244,154 3,304,470 (2) 19500 (()()) 3,052,667 4,074,544 (25) $ 735,219,396 743,280,510 (1) 101.12.31 100.12.31 21000 () $ 9,283,983 18,390,389 (50) 22000 (()()) 8,357,471 14,863,355 (44) 23000 () 6,146,046 4,925,444 25 23010 (()) 6,012,064 4,284,892 40 23500 (()()) 562,430,032 595,735,394 (6) 24000 (()()) 62,014,537 47,512,170 31 25500 (()) 34,703,759 10,188,173 241 29500 (()) 2,410,515 2,144,655 12 691,358,407 698,044,472 (1) (()()()) 31001 10 3,000,0002,910,572 29,105,720 29,105,720-31500 5,786,031 5,786,031-32001 3,388,832 876,897 286 32003 136,034 136,034-32012 4,498,875 8,373,320 (46) 8,023,741 9,386,251 (15) 32503 239,413 239,413-32523 851,045 772,342 10 32525 133,675 190,367 (30) 32544 (278,636) (244,086) (14) 945,497 958,036 (1) 43,860,989 45,236,038 (3) (()() ) $ 735,219,396 743,280,510 (1) 160

101 100 41000 (()()) $ 15,295,217 13,906,960 10 51000 () 5,257,563 4,721,879 11 10,037,654 9,185,081 9 49100 () 3,638,428 4,435,729 (18) 49200 (()()) 1,731,628 976,623 77 49300 ()(()) (6,451) 22,749 (128) 49600 () 249,202 827,676 (70) 49700 (()()()) (12,832) (169,782) 92 49821 () 648,300 914,171 (29) 49863 () 232,585 1,062,432 (78) 49800 (()()()) 149,292 137,946 8 16,667,806 17,392,625 (4) 51500 ()(()()) 2,020,735 (3,154,511) 164 58500 (()()()) 5,723,916 5,649,693 1 59000 (()()()) 415,888 578,573 (28) 59500 () 4,876,298 4,499,980 8 11,016,102 10,728,246 3 61001 3,630,969 9,818,890 (63) 63003 (()) 627,621 1,445,775 (57) 69000 $ 3,003,348 8,373,115 (64) $ 3,003,348 8,373,115 (64) 69500 ()(()) $ 1.25 1.03 3.37 2.88 161

Annual Report $ 29,105,720 5,786,031 - - 2,922,991 363,949 373,167 66,283 (328,353) 38,289,788 - - - - 8,373,115 - - - - 8,373,115 () (()) - - 876,897 - (876,897) - - - - - (()) - - - - (2,045,889) - - - - (2,045,889) - - - 136,034 - - - - - 136,034 - - - - - (124,536) - - - (124,536) (()) - - - - - - 399,175 - - 399,175 (()) - - - - - - - 124,084-124,084 - - - - - - - - 84,267 84,267 29,105,720 5,786,031 876,897 136,034 8,373,320 239,413 772,342 190,367 (244,086) 45,236,038 - - - - 3,003,348 - - - - 3,003,348 () (()) - - 2,511,935 - (2,511,935) - - - - - (()) - - - - (4,365,858) - - - - (4,365,858) (()) - - - - - - 78,703 - - 78,703 (()) - - - - - - - (56,692) - (56,692) - - - - - - - - (34,550) (34,550) $ 29,105,720 5,786,031 3,388,832 136,034 4,498,875 239,413 851,045 133,675 (278,636) 43,860,989 162

101 100 $ 3,003,348 8,373,115 389,127 497,492 26,761 81,081 () 2,020,735 (3,154,511) 68,640 636 (1,386) (12,421) 12,832 169,782 (648,300) (914,171) (232,585) (1,062,432) (29,755) (26,881) () 11,322,981 (12,461,721) () 5,054,375 (8,456,414) (3,325,788) (7,532,354) 251,949 1,310,163 70 201,528 () 561,624 (212,840) (6,505,884) (4,937,951) () 1,220,602 (1,552,131) 1,727,172 2,005,281 () 24,587,958 (1,250,798) () 211,714 (776,325) () 39,716,190 (29,711,872) 6,325,347 25,253,717 () (6,408,078) 1,249,462 773,234 1,248,847 (13,657,044) (34,770,350) 7,979 12,421 (2,937) (70,093) 565,952 1,865,670 (12,395,547) (5,210,326) () (9,106,406) 7,743,030 () (33,243,754) 5,228,188 14,623,612 27,962,743 (4,365,858) (2,045,889) () (32,092,406) 38,888,072 () (4,771,763) 3,965,874 11,469,535 7,503,661 $ 6,697,772 11,469,535 $ 4,991,687 4,373,176 $ 288,468 187,670 $ 78,703 399,175 163

Annual Report 164

165

Annual Report 一 財務狀況比較分析表 項目 年度 2012 年 2011 年 增 /( 減 ) 變動 金額 % 6,697,772 11,469,535 (4,771,763) (41.60) 68,073,194 74,398,541 (6,325,347) (8.50) 29,544,710 40,867,691 (11,322,981) (27.71) 3,402,039 8,456,414 (5,054,375) (59.77) 37,868,843 34,442,522 3,426,321 9.95 0 0 0 0.00 350,387,046 346,151,003 4,236,043 1.22 227,027,332 213,257,021 13,770,311 6.46 369,417 279,579 89,838 32.13 580,392 887,031 (306,639) (34.57) 5,546,985 6,076,890 (529,905) (8.72) 3,244,154 3,303,198 (59,044) (1.79) 3,049,972 4,071,508 (1,021,536) (25.09) 735,791,856 743,660,933 (7,869,077) (1.06) 9,283,983 18,390,389 (9,106,406) (49.52) 8,357,471 14,863,355 (6,505,884) (43.77) 0 0 0 0.00 12,093,936 9,178,082 2,915,854 31.77 563,071,977 596,151,692 (33,079,715) (5.55) 62,014,537 47,512,170 14,502,367 30.52 34,703,759 10,188,173 24,515,586 240.63 2,405,205 2,141,034 264,171 12.34 691,930,868 698,424,895 (6,494,027) (0.93) 698,424,895 - - 29,105,720 29,105,720 0 0.00 5,786,031 5,786,031 0 0.00 8,023,741 9,386,251 (1,362,510) (14.52) 5,020,393 - - 945,496 958,036 (12,540) (1.31) 43,860,988 45,236,038 (1,375,050) (3.04) 40,870,180 - - 註 : 166

二 財務績效分析 項目 年度 2012 年 2011 年 增 /( 減 ) 變動 金額 % 10,035,361 9,183,485 851,876 9.28 6,099,124 7,960,032 (1,860,908) (23.38) 2,020,735 (3,154,511) 5,175,246 (164.06) 10,544,151 10,521,913 22,238 0.21 3,569,599 9,776,115 (6,206,516) (63.49) 3,003,348 8,373,115 (5,369,767) (64.13) 0 0 0 0.00 0 0 0 0.00 0 0 0 0.00 3,003,348 8,373,115 (5,369,767) (64.13) 1.03 2.88 (1.85) (64.24) 三 現金流量 ( 一 ) 最近二年度流動性分析 項目 年度 2012 年 2011 年增 ( 減 ) 比例 % 132.81 (70.44) 203.25 594.21 586.72 7.48 (318.59) 569.39 (887.98) ( 二 ) 未來一年現金流動性分析 期初現金餘額 (1) 全年來自營業活動淨現金流量 (2) 全年現金流出量 (3) 現金剩餘 ( 不足 ) 數額 (1)+(2)-(3) 現金不足額之補救措施 投資計畫 融資計畫 6,697,772 36,884,574 35,182,204 8,400,142 167

Annual Report 四 最近年度重大資本支出對財務業務之影響 ( 一 ) 最近年度重大資本支出 計畫項目 實際或預期之資金來源 實際或預期完工日期 所需資金總額 實際或預定資金運用情形 2008 年 2009 年 2010 年 2011 年 2012 年 2008 354,896 354,896 2009 252,864 252,864 2010 224,054 224,054 2011 41,566 41,566 2012 71,988 71,988 ( 二 ) 預計可能產生之效益 : 五 一 一年度轉投資政策 其獲利或虧損之主要原因 改善計畫及未來一年投資計畫 101 319,564 168

六 風險管理事項 ( 一 ) 各類風險之定性及定量資訊 1. (1) 信用風險管理制度 內容 1. 策略和目標 政策與程序 2. / 169

Annual Report 內容 3. PD LGDEAD 4. Netting Agreement Delivery vs. PaymentPayment vs. Payment 5. 170

(2) 信用風險標準法之風險抵減後暴險額與應計提資本 101 12 31 暴險類型 風險抵減後暴險額 應計提資本 250,921,552 14,817 - - 72,267,590 2,089,533 104,560,349 7,915,164 153,064,407 9,954,397 132,879,687 4,799,998 39,108 12,515 15,213,472 809,336 728,946,165 25,595,760 171

Annual Report 2. (1) 資產證券化風險管理制度 內容 1. 2. 3. 4. 5. 6. 1) 2) 3) 4) 5) 172

內容 7. 8. ECAI 9. (2) 從事資產證券化情形 : 無 173

Annual Report 3. (1) 作業風險管理制度 內容 1. 2. 3. 4. 5. 174

(2) 作業風險應計提資本 1011231 年度 營業毛利 應計提資本 98 15,496,990 99 17,209,694 100 17,500,766 50,207,450 2,510,373 175

Annual Report 4. (1) 市場風險管理制度 內容 1. 2. 3. (VaR) 4. 176

5. (2) 市場風險應計提資本 1011231 項目 應計提資本 1,420,091 93,397 0 0 1,513,488 5. 132 177

Annual Report ( 二 ) 國內外重要政策及法律變動對銀行財務業務之影響及因應措施 1. 101831 9171211 2. 6542012101 (1) 101 (2) (3) 3. 101 02 08 4. 1 178

( 三 ) 科技改變及產業改變對銀行財務業務之影響及因應措施 ( 四 ) 銀行形象改變對銀行之影響及因應措施 20082009 20112012 20106 20129 ( 五 ) 進行併購之預期效益 可能風險及因應措施 : 無 ( 六 ) 擴充營業據點之預期效益 可能風險及因應措施 : 無 ( 七 ) 業務集中所面臨之風險及因應措施 : 179

Annual Report ( 八 ) 經營權之改變對銀行之影響 風險及因應措施 : 無 ( 九 ) 董事 監察人或持股超過百分之一之大股東, 股權之大量移轉或更換對銀行之影響 風險及因應措施 : ( 十 ) 訴訟或非訟事件 : 1016 115,437 101 ( 十一 ) 其他重要風險及因應措施 : 無 七 危機處理應變機制 八 其他重要事項 : 無 180

特別記載事項 181

Annual Report 一 關係企業相關資料 ( 一 ) 關係企業組織圖 100 % 渣打人身保險代理人股份有限公司 渣打國際商業銀行股份有限公司 100 % 台灣渣打保險代理人股份有限公司 182

( 二 ) 各關係企業基本資料 企業名稱設立日期地址實收資本額主要營業或生產項目 88.09.07 106 7 3,000 88.09.30 106 7 3,000 ( 三 ) 整體關係企業經營業務所涵蓋行業 : 1. 2. ( 四 ) 關係企業董事及監察人資料 企業名稱職稱姓名或代表人 股數 持有股份 持股比率 300,000 100.00% 300,000 100.00% ( 五 ) 關係企業營運概況 : 企業名稱資本額資產總值負債總值淨值營業收入 營業利益 ( 損失 ) 本期損益 ( 稅後 ) 每股盈餘 ( 元 ) 3,000 799,755 453,866 345,889 797,222 339,329 283,328 944.43 3,000 36,080 12,553 23,528 32,931 18,858 15,797 52.66 ( 六 ) 關係企業合併財務報表 : 請參閱財務概況, 第 158 頁至第 163 頁 183

Annual Report ( 七 ) 關係報告書聲明書 () 關係報告書會計師複核意見 ( )() (88)()18311 0980002150 184

1. 控制公司名稱 控制原因 100 控制公司之持股與設質情形 控制公司派員擔任董事 監察人或經理人情形 持有股數持股比例設質股數職稱姓名 2,910,572 100 Katherine King-Suen Tsang Ajay Chamanlal Kanwal Lim Cheng Teck Yen-Ting Chen Woei-Jy Chen Teeh Lin Wang Nei-Ping Yin Norman Lyle Edward Martin Williams 2. (1) (2) (3) (4) (5) 449,753 8,710,584 341,76518,4935,465,118 473,70048,633 3. 4. 185

Annual Report 二 私募有價證券辦理情形 : 無 三 子公司持有或處分本行股票情形 : 無 四 其他必要補充說明事項 : 無 186

總行及國內分支機構一覽表 187

Annual Report 106 03-5243151 03-5230963 35 03-5266171 03-5236079 270 03-5775663 03-5781742 326 03-5348939 03-5349865 214 50 03-5219216 03-5219215 300 03-5965711 03-5954025 386 03-5883611 03-5883344 82 03-5992614 03-5901627 59 03-5513115 03-5512190 21 03-5875151 03-5877927 155-7 03-5591113 03-5594636 130 03-5233171 03-5233177 141 03-5519456 03-5551783 11 03-5785355 03-5787055 6 03-5348155 03-5421589 66 03-3340176 03-3371647 253 03-3873915 03-3889901 44 03-3861130 03-3861924 194 03-4252186 03-4256977 105 03-4783491 03-4752718 251 03-4773226 03-4772052 202 03-4793185 03-4708175 301 03-3351593 03-3328102 83 03-4553122 03-4524244 43 03-3634341 03-3660967 465 03-3324002 03-3361491 56 03-4918701 03-4918710 1077 03-3290728 03-3290273 90 03-3524148 03-3226443 233 03-3664291 03-3664296 302 03-4657779 03-4567704 150 03-4696257 03-4692907 351 03-4824984 03-4826073 879-17 02-29082996 02-29082952 188

862 03-3553278 03-3553723 405 03-4511333 03-4513135 833 03-4986401 03-4986404 225 03-4910311 03-4910319 562 037-324671 037-358940 217 037-476161 037-474882 106 037-668281 037-676791 19 037-862851 037-852609 211 037-228525 037-221245 16 037-757511 037-757514 20 037-724591 037-724980 83 037-875281 037-875242 79 037-995561 037-995564 201 037-985211 037-985214 47 03-4351988 03-4351093 237 03-3972288 03-3972266 35 03-3026699 03-3028833 87 03-4579155 03-4579920 38 02-87723232 02-87723838 1-1 2 02-66215700 02-66215799 308 02-82828266 02-82815941 69 02-26318888 02-26326910 380 04-23192480 04-23192473 797 04-25234116 04-25240078 345 05-2288855 05-2240800 429 06-2648101 06-2648140 383 07-3872296 07-3860532 88 06-2761561 06-2761565 306 04-24653500 04-24653501 788 04-25622731 04-25617982 302 04-22536208 04-22536205 182 02-82271656 02-82271659 236 04-22990755 04-22990803 327 04-36062088 04-27081118 189

Annual Report 261 04-36013800 04-23101118 53 04-7282999 04-7229958 189 07-5501705 07-5502010 420 1 02-66027676 02-66083068 262 07-9660766 07-5368033 128 02-66192900 02-66192999 57 04-36023300 04-36023399 2 107 06-2289777 06-2283722 59 3 07-9652900 07-2110007 66 02-66023000 02-66023099 93 02-66396000 02-66396099 97 23 02-27206118 02-66397033 1 02-66363700 02-66363799 48 02-66107600 02-66107699 168 02-66037168 02-66035058 136 02-66197200 02-66197299 128 12 02-66408888 02-27505088 676 02-66107500 02-85021610 151 02-66010700 02-23218766 175 22 07-9685100 07-2221205 130 3 1 03-5226000 03-5254277 141 2 03-5538366 03-5539088 56 B12 03-4910736 03-4910745 465 34 1 03-3347111 03-3355711/ 03-3347107 90 3 03-2125700 03-2128143 217 2 037-480666 037-480714 70 1 02-66023080 02-66023093 262 1 07-9666480 07-9666471 1 2 02-66363780 02-66363739 380 2 04-36012180 04-36012169 1-1 2 02-66265280 02-66265288 270 1 190

191