Microsoft Word - 遠銀106年報_ _-修改.docx

liyunlin@feib.com.tw liyunlin@feib.com.tw https://www.deloitte.com.tw (Luxembourg Stock Exchange) https://www.bourse.lu/ US30733T2069US30733T1079 https://www.feib.com.tw

Annual Report 2017 Sincerity Diligence Thrift Prudence Innovation

106 GDP 2.86% 5 107 GDP 2.42% 106 106 28.54 (EPS) 0.90 (ROA) 0.50% (ROE) 6.82% 0.29% 1.37% 106 FE friday 86% 41 15% 6% 5 19 700 3000 BSI 2018 31 15 TTQS 107 5

謹將本行 106 年度營運結果及 107 年度營業計劃概要報告如下 : 106 () 營運概況比較表單位 : 新台幣百萬元 106 105 472,621 452,905 4.35% 146,282 160,985-9.13% 209,659 200,011 4.82% 355,941 360,995-1.40% 10,575 10,246 3.21% 148,652 124,226 19.66% 2,759 2,568 7.42% 59,980 58,174 3.10% () 106 5,748 97% 4,726 99% 3,559 95% () 106 102 105 3% 53.83 105 7% 48.18 105 2% 106 28.54 105 12% 0.90 105 12% (Fitch Ratings) 106 10 31 A(twn) F1(twn) BBB- F3 7

FE APP e () 106 2 () 106 4 1 106 174 9

107 107 : 6,191 5,081 3,781 () Fintech KYC AI () 1. e & M Data mining 2. friday pay Big Data () B2B2C 10

() TMU () / FE O2O /(Omni Channel) () 11

81 1 11 78 1 19 5 14 100 10 80 8 1 12 9 9 3 11 4 9 4 11 84 11 87 11 92 7 1 1 88 95 97 12

97 98 AIG 100 ING 99 FE Direct 4 19 5 100 iphone Android e M 102 FETP 101 101 103 104 icloud OTP 105 O2O ATM E3CM (BI)Test & Learn 106 FE APP e 13 56 13

14 6

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 15

1. () () (%) () (%) () (%) () (%) 107 4 22 104.6.16 84.5.19 104.6.16 80.12.09 104.6.16 80.12.09 ( 接下頁 ) 104.6.16 95.6.27 3 3 *8,822,877 14,848 *0.3083 0.0005 *9,700,697 16,324 *0.3048 0.0005 *0 0 *0 0 *0 0 *0 0 () () () () 5,504,185 0.1923 6,051,816 0.1901 0 0 0 () 0 () () () () *75,712,265 3 1,460,296 *75,712,265 3 0 *2.6456 0.0510 *2.6456 0 *83,245,165 1,605,585 *83,245,165 0 *2.6154 0.0504 *2.6154 0 *0 0 *0 0 *0 0 *0 0 *0 0 *0 0 () *0 () 0 () () () *0 () () 0 () () () 16

17 ( 承前頁 ) () () (%) () (%) () (%) () (%) 106.6.15 1 *81,373,573 0 *2.6154 0 *83,245,165 0 *2.6154 0 *0 84,150 *0 0.0026 *0 0 *0 0 行行 104.6.16 3 *68,044,753 0 *2.3777 0 *74,814,783 0 *2.3505 0 *0 0 *0 0 *0 0 *0 0 () () () 92.5.29 104.6.16 3 *68,044,753 0 *2.3777 0 *74,814,783 0 *2.3505 0 *0 0 *0 0 *0 0 *0 0 () () () () 89.5.21 104.6.16 3 *67,995,784 0 *2.3760 0 *74,760,942 0 *2.3488 0 *0 0 *0 0 *0 0 *0 0 () 89.5.21 ( 接下頁 )

( 承前頁 ) () () (%) () (%) () (%) () (%) 104.6.16 98.6.27 104.6.16 99.1.19 104.6.16 104.6.16 3 3 3 () () 0 0 0 0 0 0 0 0 () () () () () 0 0 0 0 0 0 0 0 () () () () () 0 0 0 0 0 0 0 0 () () () 18

107 4 22 (%) (26.95)(25.36) (15.66) (13.20)(4.61) (3.89)(3.89) (2.59)(2.31) (1.53) (23.77)(4.81) (3.61) (3.42)(2.74) (2.50)(2.43) (1.71)(1.67) (1.55) (22.33) (6.31)(5.40) (1.52) (1.51)(1.50) (1.49)(1.41) (1.31)(1.29) (39.25) (4.70)(2.33) (2.03)(2.02) (1.05) (1.04)(0.94) (0.92)(0.85) (%) 107 4 22 (99.87)(0.03) (73.54)()(26.46) (100.00) (100.00) (100.00) (41.86)(38.76) (19.38) (83.81)(16.03) (37.13)(35.50) (14.50)(12.86) (66.66)(33.34) (47.00)(45.50) 19

20 (%) (5.00)(1.00) (1.00)(0.50) (22.33)(6.31) (5.40)(1.52) (1.51) (1.50)(1.49)(1.41) (1.31)(1.29) (100.00) (100.00) (75.14) (15.48)(3.25)(0.28) (0.15)(0.11)(0.11) (0.05)(0.05)(0.05) (0.05) (25.33)(9.63) (2.35) (1.67)(1.63) (1.53)(1.31)(1.27) (1.19) (1.13) (23.77)(4.81) (3.61)(3.42) (2.74)(2.50) (2.43)(1.71)(1.67) (1.55) (100.00) (17.06)(5.65) (4.75)(2.80)(2.06) (1.98) (1.97)(1.71) (1.61)(1.50) (29.92)(25.02) (18.96)(17.66) (6.50)(1.84)(0.10) (99.40)(0.30) (0.30) (100.00) (18%)(18%) (18%)(18%) (18%)(5%)(5%)

2. 1 2 3 4 5 6 7 8 9 10 0 0 0 0 0 1 2 2 3 2 2 (1) (2)( ) (3) 1% 10 (4) 3 (5) 5% 5 (6) 5% (7) (8) (9) 30 (10) 27 21

() () (%) (%) (%) () 107 4 22 () () 105.08.08 1,868,774 0.0587 0 0 0 0 () () () () () 105.08.12 1,301,817 0.0409 787,710 0.0247 0 0 () 103.08.21 731,463 0.0230 1,267,011 0.0398 0 0 97.07.21 793,332 0.0249 0 0 0 0 () 105.08.12 384,714 0.0121 0 0 0 0 () 105.08.12 330,675 0.0104 0 0 0 0 106.02.06 0 0 0 0 0 0 102.03.20 712,909 0.0224 0 0 0 0 103.03.11 148,034 0.0047 0 0 0 0 () () 22

() () () (%) (%) (%) () 104.03.20 176,855 0.0056 0 0 0 () 0 106.03.21 155,258 0.0049 0 0 0 0 () 105.08.12 116,253 0.0037 0 0 0 () 0 () 106.03.21 475,163 0.0149 0 0 0 0 () 98.04.15 206,279 0.0065 0 0 0 0 99.03.16 412,162 0.0129 0 0 0 () 0 99.10.01 94,728 0.0030 0 0 0 0 101.03.27 251,681 0.0079 0 0 0 0 102.08.15 690,053 0.0217 0 0 0 0 103.08.21 226,525 0.0071 0 0 0 0 104.09.01 22,574 0.0007 0 0 0 0 104.12.24 0 0 0 0 0 0 105.08.12 31,652 0.0010 0 0 0 0 23

() () () (%) (%) (%) () 95.10.19 188,314 0.0059 0 0 0 0 95.10.19 429,568 0.0135 0 0 0 0 99.05.17 144,526 0.0045 0 0 0 0 100.06.15 37,269 0.0012 47,069 0.0015 0 0 101.08.23 293,877 0.0092 0 0 0 0 101.12.21 801 0.0000 0 0 0 0 101.12.21 426,265 0.0134 0 0 0 0 101.12.21 22,831 0.0007 0 0 0 0 102.08.15 39,589 0.0012 0 0 0 0 102.08.15 209,583 0.0066 0 0 0 0 102.08.15 328,442 0.0103 0 0 0 0 () 103.08.21 216,139 0.0068 1,255 0.0000 0 0 103.08.21 219,260 0.0069 0 0 0 0 103.08.21 247,910 0.0078 0 0 0 0 () 103.08.21 251,790 0.0079 0 0 0 0 () 104.06.01 51,716 0.0016 0 0 0 0 104.06.16 3,496 0.0001 0 0 0 0 24

() () (%) (%) (%) () 104.08.12 141,948 0.0045 0 0 0 0 104.08.12 177,608 0.0056 0 0 0 0 104.08.12 99,887 0.0031 0 0 0 0 104.08.12 156,445 0.0049 10,434 0.0003 0 0 105.05.03 0 0 0 0 0 0 105.08.12 5,856 0.0002 0 0 0 0 105.08.12 134,822 0.0042 0 0 0 0 105.10.17 0 0 0 0 0 0 106.08.09 1,295 0.0000 0 0 0 0 106.08.09 218,454 0.0069 0 0 0 0 () 106.12.01 0 0 0 0 0 0 106.12.18 0 0 0 0 0 0 107.02.01 0 0 0 0 0 0 107.03.01 0 0 0 0 0 0 99.03.01 1,997 0.0001 0 0 0 0 104.06.29 0 0 0 0 0 0 25

() () () (%) (%) (%) () 104.08.12 142,245 0.0045 0 0 0 0 104.08.12 93,334 0.0029 0 0 0 0 104.08.12 129,697 0.0041 0 0 0 0 104.08.14 878 0.0000 0 0 0 0 105.03.24 333,011 0.0105 0 0 0 0 105.08.12 519 0.0000 0 0 0 0 105.08.12 94,262 0.0030 0 0 0 0 105.08.12 95,758 0.0030 0 0 0 0 106.07.28 978 0.0000 0 0 0 0 106.08.09 50,008 0.0016 0 0 0 0 106.08.09 0 0 0 0 0 0 106.08.09 0 0 0 0 0 0 94.12.21 99,716 0.0031 0 0 0 0 26

() () () (%) (%) (%) () 98.04.20 96,669 0.0030 41,135 0.0013 0 0 99.04.03 81,785 0.0026 0 0 0 0 99.04.03 64,847 0.0020 0 0 0 0 99.04.03 61,635 0.0019 0 0 0 0 100.06.16 57,074 0.0018 0 0 0 0 102.01.01 38,065 0.0012 0 0 0 0 102.01.01 35,205 0.0011 0 0 0 0 102.01.01 78,443 0.0025 0 0 0 0 102.01.21 861 0.0000 0 0 0 0 102.11.01 0 0 0 0 0 0 102.11.01 80,335 0.0025 0 0 0 0 103.01.01 1,304 0.0000 0 0 0 0 103.01.22 2,623 0.0001 0 0 0 0 () 27

() () () (%) (%) (%) () 104.01.01 16,493 0.0005 0 0 0 0 104.03.20 89,239 0.0028 0 0 0 0 104.03.20 48,453 0.0015 38,709 0.0012 0 0 104.04.01 91,086 0.0029 206,017 0.0065 0 0 104.08.24 13,749 0.0004 0 0 0 0 104.11.13 0 0 0 0 0 0 104.12.01 0 0 0 0 0 0 104.12.07 0 0 0 0 0 0 105.06.01 0 0 0 0 0 0 105.08.12 48,176 0.0015 0 0 0 0 105.08.12 15,614 0.0005 0 0 0 0 105.08.12 47,326 0.0015 0 0 0 0 105.08.12 0 0 0 0 0 0 () 28

() () (%) (%) (%) () 105.09.08 0 0 0 0 0 0 105.09.29 28,528 0.0009 0 0 0 0 106.05.02 0 0 0 0 0 0 A&M 106.05.02 0 0 0 0 0 0 106.05.02 0 0 0 0 0 0 106.05.15 0 0 0 0 0 0 106.05.15 0 0 0 0 0 0 106.11.03 0 0 0 0 0 0 107.01.01 0 0 0 0 0 0 106.02.06 0 0 0 0 0 0 104.03.20 7,230 0.0002 0 0 0 0 29

1. () (A) (B) ()(C) (D) ABC D (%) (E) (F) (G) 106 12 31 ABC DEF G (%) 130,000 130,000 ( ( () 13,520,535 13,520,535 - - 7,093,333 7,093,333 - - - - - - - - 446,400 446,400 2.585 2.586 2.585 2.586-978,489) 978,489) 11,224,336 11,224,336 - - 5,320,000 5,320,000 105,000 105,000 - - - - - - - - 99,000 () 6,430,000 6,478,000 - - 29,686,667 29,686,667 255,000 255,000 - - - - - - - - - () 1.() (106.6 ) 2.() 3.() 4.()(106.3 ) 5. 30

106 12 31 (A+B+C+D) (A+B+C+D+E+F+G) 2,000,000 () () () () 2,000,000 () 5,000,000 () 5,000,000 () 10,000,000 () 10,000,000 () 15,000,000 () 15,000,000 () 30,000,000 () () () () () () () () () () () () () () () () () () - - - - () () () 30,000,000 () 50,000,000 () - - - - 50,000,000 () 100,000,000 () - - - - 100,000,000 - - - - 11 11 11 11 () 106.3 () 106.6 31

: 2. (A) (B) (C) (D) 106 12 31 ABC D $37,787,416 $38,051,416 ( ( 106.3.14 $32,842,486 $32,918,486 $9,360,684 $9,360,684 $6,927,590 - $6,927,590-3.046 3.058 $2,296,012 $2,296,012 $2,337,026) $2,337,026) $720,000 106.2.6 32

106 12 31 E 2,000,000 2,000,000 5,000,000 5,000,000 10,000,000 10,000,000 15,000,000 15,000,000 30,000,000 30,000,000 50,000,000 50,000,000 100,000,000 100,000,000 11 11 E 3. 107 4 22 1 1 2 2 % 107 4 22 22 29 0 21,446,603 21,446,603 0.75% 33

() 1. :% 105 106 1.595 1.597 2.585 2.586 3.377 3.390 3.046 3.058 4.972 4.987 5.631 5.644 104.6.16 2. (1) 25 1.5% (2) 34

106 9 5 () () () () 4 1 80% - 5 0 100% - () 5 0 100% - () 5 0 100% - () 3 0 100% 106.6.15 () 4 0 80% - () 4 0 80% - () 4 0 80% - 5 0 100% - 4 1 80% - 5 0 100% - 1. (1) 14 3 14 5 14 3 (2) 2. 106 3. (1) 94.2.23 106.11.3 8 (2) 98.12.31 106.2.14 2 (3) 99.5.27 106.11.3 1 (4) 14 6 1 100.8.5 104.5.5 1 (5) 14 4 1 104.5.5 104.6.16 106.11.3 1 35

(6) 104.11.6 106.11.3 1 (7) 105.8.12 9 8 105 106 4 4 0 100% - 4 0 100% - 4 0 100% - 1. (1) 14 5 (2) 106.03.16 105 105 105 105 100 105 106 105 14-5 2/3 V - 36

14-5 2/3 106.05.02 106.08.09 106.11.03 106 106 106 106 106 50 107 () 10 () 2,000 106 106 (SOP) V - V - V - 37

2. 106 3. (1) (i) (ii) (iii) (2) (i) 106/3/21 106/8/9 1. 105 2. IFRS 9 1. 106 2.(IFRS 9IFRS 15 IFRS 16) 106/12 106 107/3/19 (ii) 106 106/3/21 106/3/21 106/5/2 106/5/2 106/8/9 106/8/9 106/11/3 106/11/3 107/3/19 107/3/21 105 Q4 106 Q1 106 Q2 1. 106 Q3 2. 107 106 Q4 https://www.feib.com.tw/ http://mops.twse.com.tw/ 38

() () () () () 104.6.16 106 275 1. 2. 3. (1) (2) 4. 5. 39

() 6. ( ) () ( ) / 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 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 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 v v v v v v v v v v v v 1. 30 20 2. 7 20 40

( ) () () 3. 4. 94 106 41

117 ( )2,429,681 ( )68,860106 300,000 /// () 106 1.()105 2.99106 3.106 105 1.107.3.21915106 2.106 42

106.02.24 106.02.24 104.6.16 3 106.07.13 106.07.13 3 106.07.13 106.07.13 3 104.6.16 106.12.26 106.12.26 3 106.07.13 106.07.13 3 104.6.16 106.12.26 106.12.26 3 106.07.13 106.07.13 3 104.6.16 106.09.28 106.09.28 2017 6 106.12.26 106.12.26 3 106.07.13 106.07.13 3 106.6.15 106.12.26 106.12.26 3 106.07.13 106.07.13 3 104.6.16 106.12.26 106.12.26 3 106.02.15 106.02.15 3 104.6.16 2017 106.07.26 106.07.26 3 104.6.16 104.6.16 104.6.16 104.6.16 106.07.13 106.07.13 3 106.12.26 106.12.26 3 106.04.14 106.04.14 3 106.09.15 106.09.15 () 106.05.12 106.05.12 3 106.08.11 106.08.11 3 106.07.13 106.07.13 3 106.12.26 106.12.26 3 3 43

1. 1 1 2 3 4 5 6 7 8 3-2 - - 1 (1) (2) (3) (4) (5) (6) (7) (8) 30 2. (1) (2) 44

3. (1) 3 (2)104 6 27 107 6 26 4 (A) (%) () (B/A) 4 0 100% - 3 1 75% - 4 0 100% - ( ) 45

() () () () () () 104 103 CSR CSR 1.e-Learning 2. E 3 106 11,710 4. 1055 ISO 50001 11ISO 50001 46

() () () () () () 106 1095% 1. 2.26 C~28 C 3.T8 T5T5LED 4.OA 5. 6. 105 10610 47

() () () () SOP (.) 105 (ISO) CSR / 94 1051065(BSI)AA1000 GRI G4GRI G4 48

() () () () () 10411693 10610,289 1,074 106 2,6007,800 (106Q1 49

() () () () () () Q3) 理 > >> 50

https://www.feib.com.tw/ () 51

1.1 遠東國際商業銀行股份有限公司內部控制制度聲明書 52

1.2 55

2. 1. 2. (1) 45 1 4 1,000 74 1 100 (2) SWIFT a. b. c. d. SWIFT e. f. 45 1 1 800 AD SWIFT 56

SWIFT SWIFT 2-3 SWIFT SWIFT SWIFT SWIFT SWIFT SWIFT SWIFT 105.9.5 SWIFT 3. (1) (TMU) 57

(2) (3) 4. 5. 58

1. 106 106.6.15 105 105 105 1. 2.106.8.910696() 106929(0.42 0.23) 106615 10677 2. 9 10 106.3.21 105 105 105 106 100 106 6 15 106 106 4 11 106 4 20 106 1 9 11 106.5.2 106 9 12 106.7.5 59

9 13 106.8.9 9 14 106.11.3 9 15 107.3.21 106 105 106 () 10 () 107 106 106 106 100 10 209 107620107107413107 423107() 2018 300 60

106 1 2,000 2 2,000 4,000 3 4,000 6,000 V 4 6,000 8,000 5 8,000 10,000 V 6 10,000 V 5,910 - - - 8,039 8,039 106-61

106 107 4 22 () *218,099 - - - 367 - - - 136,062 - - - () *1,871,592 - - - 36,098 - - - () *1,871,592 - - - - - - - () *1,871,592 - - - - - - - () *1,682,052 - - - - - - - () *1,682,052 - - - - - - - () *1,680,842 - - - - - - - - - - - - - - - - - - - 47,451 - (241,647) - (1,196,345) - (195,024) - 21,618 - (229,928) - () 62

() 106 107 4 22 17,836 - - - 8,649 - - - 7,434 - - - - - - - (55,163) - - - 3,328 - - - 3,976 - - - 3,490 - - - 2,613 - - - 11,921 - (55,066) - 4,637 - - - (40,732) - (88,975) - 2,129 - - - 6,649 - (44,055) - 16,877 - (60,573) - 5,092 - - - 507 - - - - - (115,844) - (19,825) - 5,348 - (49,558) - 411,077 - (125,874) - 3,249 - - - 2,200 - (60,573) - 7,831 - (54,422) - 18 - - - 10,265 - (30,287) - (31,487) - - - (50,110) - - - 5,238 - (23,405) - 8,008 - (27,811) - 5,471 - (27,186) - 5,518 - (26,158) - 5,944 - (16,521) - (193,128) - (53,843) - 1,162 - - - (35,922) - - - 3,811 - (27,535) - 4,799 - (35,794) - 2,245 - - - 3,517 - - - - - - - 131 - - - () 63

() 106 107 4 22 3,031 - - - - - - - 647 - (27,535) 5,406 - (22,028) - - - - - - - - - - - - (16,841) - (49,558) - - - - - 3,662 - (20,651) - 2,098 - - - 2,915 - - - (18,981) - - 7,982 - (22,028) - (28,337) - - - 2,119 - - - 2,152 - - - 455 (19,274) 1,124 - - - - - - - (66,681) - - - 2,489 - (11,015) - 2,576 - (17,898) - 2,395 - (24,781) - 1,737 - (12,392) - 1,385 - - - 1,283 - - - 855 - - - 1,050 - (11,564) - 1,763 - - - 19 - - - - - - - 1,806 - - - (28,319) - - - (25,357) - - - 370 - - - 2,223 - (9,638) - 1,089 - - - 2,356 - (13,767) - 309 - - - - - - - () 64

() 106 107 4 22 - - - - - - - - - - - - 1,083 - - - 351 - - - 1,064 - - - - - - - - - - - 641 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - (16,230) - - - 169,412 - - - 498,656 - - - 471,147 - - - 483,812 - - - 206,742 - - - 13,904 - - - 17 - - - 6 - - - 64,418 - - - 217,502 - - - 1,682,052 - - - 2,881,998 - - - 626,671 - - - (54,103,774) - - - 13,284 - - - (577,590) - - - 136,062 - - - 13,284 - - - 13,284 - - - 13,284 - - - 6 - - - 14,239 - - - 2,297,012 - - - 15,853 - - - () 65

() 106 107 4 22 42,812 - - - 3,544,010 - - - 1,680,842 - - - 3,138,731 - - - 2,784,450 - - - 62,633 - - - 1,201,974 - - - 1,892,037 - - - (25,770,910) - - - 1,871,592 - - - 99,837 - - - 82,167,099 - - - 2,546,219 - - - 178,109 - - - 75,419 - - - 2,881,651 - - - 127,974 - - - * 66

% 107 4 22 () () () () () () () 157,631,416 4.95% - - - - () (2) () (2) - 139,605,333 4.39% - - - - () (3) - 128,186,282 4.03% - - - - () (1)(3) - 128,170,861 4.03% - - - - () (2)(3) -- 123,847,500 3.89% - - - - () (1) () (3) - 113,251,395 3.56% - - - - () (1) - - 102,167,141 3.21% - - - - - - - 101,962,643 3.20% - - - () 84,154,519 2.64% - - - - - - - 83,365,477 2.62% - - - - - - - (1) (2) (3) 67

% 106 12 31 () 120,000,000 100.00% - - 120,000,000 100.00% 20,000,000 100.00% - - 20,000,000 100.00% () 12,000,000 40.00% - - 12,000,000 40.00% () 99,407,708 22.06% 32,479 0.01% 99,440,187 22.07% 5,937,750 1.1375% - - 5,937,750 1.1375% () 80,000 0.40% - - 80,000 0.40% () 207,304 3.46% - - 207,304 3.46% () 300,000 10.00% - - 300,000 10.00% () 6,226,320 4.99% 6,226,320 4.99% 68

1. : 107 4 22 81 10 1,000,000,000 10,000 1,000,000,000 10,000 80.8.1 8410 10 25,000,000 250 25,000,000 250 84.9.4(84)() 857 10 29,750,000 297 28,700,000 1,050,000 287 10 85.7.6(85)() 868 15 10 135,250,000 1,353 99,170,000 34,806,750 1,273,250 992 348 13 86.7.25(86)() 86.7.30(86) 878 12.5 10 211,023,500 2,110 150,000,000 41,650,000 1,500 416 87.7.21(87) 10 10 1,523,500 17,850,000 15 179 887 10 78,696,500 787 44,832,752 1,640,208 448 17 88.6.23(88) 26,619,446 5,604,094 266 56 897 10 10 45,095,400 451 19,236,360 703,800 192 7 89.6.30(89) 10 22,195,800 2,959,440 222 30 927 10 475,184,600 4,752 92.7.28 938 10 10 10,407,594 (26,579,000) 104 (266) 93.8.23 943 10 78,056,834 781 94.3.29 946 10 47,914,226 479 94.6.14 947 10 102,854,595 6,707,909 1,029 67 94.6.9 948 10 4,958,329 50 94.9.13 9411 10 37,038,723 370 94.11.14 () 69

() 95 3 10 5,075,280 51 95.4.14 95 9 10 64,094,041 4,180,047 641 42 95.7.31 18,312,584 183 963 10 215,969 2 96.4.13 966 10 500,000,000 5,000 96.7.4 966 10 647,907 6 96.7.19 9612 10 1,079,849 11 97.1.4 976 10 1,000,000,000 10,000 97.6.27 9712 6.5 () 461,538,000 4,615 98.1.17 986 10 1,000,000,000 10,000 98.6.26 986 10 (407,520,824) (4,075) 98.6.30 997 10 67,489,532 5,861,971 675 59 99.7.30 1007 10 103,368,172 8,043,315 1,034 80 100.7.27 1018 10 113,131,129 10,568,089 1,131 106 101.8.24 1027 10 110,543,402 9,315,191 1,105 93 102.7.31 1031 11.25 365,000,000 3,650 102.11.26 103.1.23 1037 10 122,447,610 12,260,455 1,224 123 103.7.18 1048 10 153,680,074 17,736,559 1,537 177 104.8.3 1059 10 60,664,859 17,459,348 607 175 105.9.22 1069 10 71,561,445 716 106.9.18 4,500,000,000 45,000 3,182,928,614 31,829 70

2. 107 4 22 3,182,928,614 1,317,071,386 4,500,000,000 107 4 22 3 18 194 71,300 205 71,720 () 18,128,886 89,083,706 1,638,196,193 1,038,926,178 398,593,651 3,182,928,614 (%) 0.57% 2.80% 51.47% 32.64% 12.52% 100.00% 1. 10 107 4 22 () (%) 1 999 26,027 7,076,004 0.22% 1,000 5,000 21,541 47,760,165 1.50% 5,001 10,000 7,338 51,600,136 1.62% 10,001 15,000 4,936 59,575,534 1.87% 15,001 20,000 3,117 53,191,220 1.67% 20,001 30,000 2,710 65,422,194 2.06% 30,001 50,000 2,215 84,365,354 2.65% 50,001 100,000 1,825 125,409,966 3.94% 100,001 200,000 1,086 145,450,777 4.57% 200,001 400,000 485 132,530,304 4.16% 400,001 600,000 148 71,915,655 2.26% 600,001 800,000 81 55,600,017 1.75% 800,001 1,000,000 43 39,092,053 1.23% 1,000,001 168 2,243,939,235 70.50% 71,720 3,182,928,614 100.00% 2. 71

() 107 4 22 (%) 157,631,416 4.95% 139,605,333 4.39% 128,186,282 4.03% 128,170,861 4.03% 123,847,500 3.89% 113,251,395 3.56% 102,167,141 3.21% 101,962,643 3.20% 84,154,519 2.64% 105 106 83,365,477 2.62% 107 4 22 9.86 10.05 9.95 8.80 9.08 9.26 ( 2) 9.27 9.59 9.66 13.16 13.44 13.66( 6) 12.46 ( 1) ( 1) 3,107,408 3,182,929 3,182,929( 6) 1.04 0.90 0.23( 6) 1.02 ( 1) ( 1) 0.420 0.439-0.230 0.271 - - - - - - - ( 3) 8.89 10.57 - ( 4) 22.02 21.66 - (%)( 5) 4.54 4.62-1 107 2 3 4 5105 106 9.25 9.51 6 107 3 31 72

1. 30% 30% 10% 15% 107 3 21 9 15 (107) 2. 0.439 0.271 27.1 0.710 107 () 31,829,286 0.4390( 1) 0.0271( 1) - ( 1) () () () () ( 2) 1 107 3 21 0.439 0.271 107 2 107 73

1. 3.5%4.5% 1.5% 2. 3. (1) ()126,300,000 0 42,100,000 (2) 4. (1)105 ()134,000,000 0 44,600,000 (2) 106 107 74

106 202 ( 186 0.542 ( ) 100 1 101 1 100.9.1 101.5.25 10000304630 10100164700 100.11.10 101.6.27 参参 1.95% 1.75% 7 107.11.10 7 108.6.27 参参 20,071,489 21,185,604 22,305,324 24,124,738 89.62% 94.92% Fitch100.10.26A-(twn) Fitch101.6.27A-(twn) 75

102 102 1 101.09.11 1010036130 101.10.09 1010044835 102.01.10 1010060416 102.5.8 10200123360 102.02.07 102.11.6 200,000 150,000,000 0% 2.10% 5 107.02.07 7 109.11.6 101.89% 54,200,000 22,422,596 22,422,596 26,085,624 26,085,624 () 76

() 102 102 1 (1) 30 30 20 () ( ) 130% (2) 90% (3) = 0.375% (1) (2) 41 10 (3) 14.09 ( ) 104.78% 104.78% Fitch102.01.31BBB- Fitch102.11.6BBB+(twn) 77

103 1 104 1 103.4.23 104.6.5 10300105790 10400126510 103.12.23 104.9.30 2.05% 1.95% 7 110.12.23 7 111.9.30 23,621,182 28,618,263 32,347,065 35,118,001 78.62% 57.52% Fitch103.12.23BBB+(twn) Fitch104.9.25 A(twn) 78

105 1 105.6.3 10500130430 105.9.27 1.55% 7 112.9.27 30,332,430 37,764,349 64.09% Fitch104.9.25A(twn) 79

() 103 1 28 103 1 28 135,050,000 7.4 18,250,000 106/12/31 18,362,779 367,255,605 Citi Bank N.A. () 831,263 ( 106 12 ) 106 107 4 22 6.505 5.506 6.169 6.800 6.400 6.601 80

106 11 3 50 81

1. (1) (2) (3) (4) TMUACH (5) (6) 2. 106 () 105 () 106 21% 20% 7% 24% 24% -3% 13% 13% -2% 24% 24% - 16% 16% -3% 2% 3% -36% 106 2 6 105&106 1. (1) KYC 82

(2) Big Data VIP (3) Fintech CRM AI (4) (5) (6) 2. (1) Data Warehouse VIP e e & M () (2) HAPPY GO etag e-parking C est Moi 3. (1) (2) (3) Corporate Finance 83

(4) KYC (5)(Operating Bank) (6) 4. (1) (2) FETP (3) (LCR)(NSFR) 5. (1) 105 84.3% 106 86.2% 106 APP (AI) (2) Fintech FE (FE Mobile Payment Integration Service) QR code e 84

(Omni Channel) App O2O (Online to Offline) (3) (Own media) VIP Line@ VIP VIP Big Data 6. (1) (2)(InsurTech) e (3) One Bank //TMU/ACH (4) 1. 2018 3 3 22 301 2018 2017 2.35% KYCTRF 85

2018 2018 2. (1) (2) ( Line ) 86

(3) Corporate Finance TMU KYC FE KYC AI + 1. 2 (1) FE 2 POS 83 O2O mbilling (2) 87

105 1 5 () 106 105 17.5% (e/mbilling)106 105 100.5% 82.7% 106.3%106 105 86.4% 2. 2 2 : 106 105 365,069 235,538 3. Bank 3.0 : () 49,660 107 12 40,000 107 12 4,800 107 12 61,626 107 12 67,000 107 12 e & M 136,651 106 12 1. (1) (2) CRM AI (3) (4) (5) TMUACH (6) AR 88

(7) e & M O2O /(Omni Channel) (8)3C (9)/ (10) (11) Fintech (12) (13) (14)FE (15) 2. (1) Happy+ (2) (3) (4) (5) (6) (7) (8) (9) 89

107 4 22 105 106 107 4 22 607 709 703 1,274 1,298 1,277 518 417 401 53 49 48 2,452 2,473 2,429 38.64 39.79 40.24 9.07 9.48 9.77 18.23% 20.02% 20.21% 62.03% 61.99% 61.47% 17.21% 16.17% 16.51% 2.49% 1.78% 1.77% 0.04% 0.04% 0.04% 1,612 1,674 1,660 1,371 1,414 1,399 1,406 1,502 1,479 1,234 1,281 1,276 572 632 623 731 796 782 487 528 517 551 548 544 26 24 24 317 315 310 250 264 263 () 140 145 143 180 186 182 182 193 192 7 5 5 435 422 413 Certified Financial Planner (CFP) 11 11 10 Chartered Financial Analyst (CFA) 1 1 2 () 2 3 2 () 0 1 1 () 1 3 2 () 1 3 2 () 0 1 1 (CAMS) 0 1 4 5,329 5,653 5,623 14,846 15,609 15,459 90

104 11,034 36,228 1,056 2,339 1,434 474 13,373 37,662 1,530 105 10,414 22,810 1,108 1,937 1,181 499 12,351 23,991 1,607 106 10,284 19,506 941 4,707 1,454 474 14,991 20,960 1,415 1 15 745 (Talent Quality-management System,TTQS) 2106 264 16,173 377 151 417 350 1,415 91,161 (TMC) 1,453 2,038 108,315 264 127,099 1. Fintech 2. e/m 3. 4. 91

1 2 92

90 1. 93

2. 3 3. 4. 1. 86 106 8 2.105 BSI 2017 BSI 3.106 1.TORUK 2. 3.107 12 4. 31 5. 106 6.Love & Peace 7. 105 ISO 50001 94

106 2,218 118.6 117.1 1.5 () Unisys Libra 750 MCP IBM AS/400 OS/400 IBM RS/6000 AIX IBM Mainframe OS/390 IBM RS/6000 AIX IBM RS/6000 AIX IBM RS/6000 Windows (CB) Windows AIX Windows Windows 1. 2. 3. 4. 95

5. 6. SWIFT 7. twmp 8. friday (Master/VISA) 9. AI 10. Beacon 11. 12. 13. Young 14. 1. BSI ISO 27001 2. BSI BS 10012 3. 4. () 1. 2. 3. 4. 5. 6. 7. 8. 96

9. 10. 11. 12./ 13. (1) (2) (3) () 1. 94 7 1 () 6% () 2% 2. 105 4 () 1. 2. 3. 4. 5. 6. 7. () 1 97

() 1. 22 106.9.4 2 2. 24 107.3.2 2 107422 2005/06/06 2018/6/30 2017/08/01 2018/7/31 2003/07/01 2018/7/31 2017/08/01 2018/7/31 2017/08/01 2018/7/31 2017/08/01 2018/7/31 2003/08/01 2018/7/31 2000/12/08 2018/8/4 2013/01/02 2018/8/4 2006/01/02 2018/8/14 2004/03/01 2018/8/31 2008/12/01 2018/11/30 2007/02/14 2018/9/30 2016/11/01 2018/10/31 2003/07/01 2018/12/31 2006/08/31 2018/12/31 2006/03/01 2019/2/28 2006/02/27 2019/2/28 () 98

() 2004/03/01 2019/2/28 2006/03/30 2019/3/18 2017/05/15 2019/3/18 2013/06/01 2019/3/18 2006/03/30 2019/3/18 2006/03/30 2019/3/18 2011/09/01 2019/3/18 2010/01/04 2019/3/18 2006/03/30 2019/3/18 2016/04/01 2019/3/31 2001/02/01 2019/4/15 2014/05/29 2019/5/30 2017/06/13 2019/6/12 2003/07/01 2019/6/30 1992/09/08 2019/9/7 2010/08/04 2019/9/30 2005/05/30 2019/10/13 2001/12/10 2019/12/9 2017/01/01 2021/12/31 99

() 單位 : 新臺幣千元 1 102 103 104 105 106 93,224,900 86,210,099 85,132,512 40,106,638 31,044,704 18,795,444 25,944,211 39,672,053 33,830,105 30,208,333 21,735,693 30,518,170 27,478,135 79,594,706 109,631,578 111,034 40,439 - - - 23,006,325 14,385,710 15,344,855 6,396,656 11,071,393-20,671,269 19,664,258 20,853,418 22,847,242 22,750,869 1,003 35,024 3,085 4,117 7,372 - - - - - - - 292,517,032 319,176,466 334,063,822 355,963,672 351,056,762 3,105,972 3,991,084 3,125,209 2,630,635 2,135,246-2,365,826 1,592,014 1,658,037 1,702,220 1,774,066 - - - - - - 11,226,390 14,811,608 13,739,260 12,841,547 10,344,836-2 2,814,164 2,785,884 2,840,692 2,889,674 2,889,392 - - - - - - - 1,830,904 1,801,534 1,776,051 1,750,568 1,725,085-579,514 864,280 631,541 635,104 584,502 206,250 157,136 236,211 222,399 200,142 492,191,720 521,977,917 546,554,881 561,415,283 575,424,280 13,782,129 11,496,870 13,194,889 7,432,194 6,960,774 - - - - - 7,288,065 11,055,294 9,588,248 7,954,542 4,319,121 12,631 5,204 - - - 1,299,471 4,391,451 3,743,155 13,711,223 12,921,364 13,502,992 5,596,002 3,964,144 5,799,874 6,488,285 10,870 243,366 422,618 405,097 254,446 - - - - - 398,305,940 423,242,417 451,294,909 452,720,460 472,392,183 27,103,885 25,479,749 20,312,370 24,309,357 20,216,664 () 100

() 1 102 103 104 105 106 - - - - - 761,020 2,874,070 3,030,963 6,385,369 7,416,775 754,125 985,437 1,127,306 1,240,278 1,127,116 - - - - - 417,508 530,549 898,631 506,012 540,880 463,238,636 485,900,409 507,577,233 520,464,406 532,637,608 ( 3) 463,920,415 487,045,139 508,790,530 521,771,180-28,953,084 36,077,508 38,977,648 40,950,877 42,786,672 23,621,182 28,618,263 30,332,430 31,113,672 31,829,286 ( 3) 24,845,658 30,155,064 30,939,079 31,829,286-34,923 462,400 459,918 456,426 456,426 5,595,176 7,199,140 8,300,405 9,609,340 10,486,758 ( 3) 3,688,921 4,517,609 6,480,459 7,586,952 - (298,197) (202,295) (115,105) (228,561) 14,202 - - - - - - - - - - 28,953,084 36,077,508 38,977,648 40,950,877 42,786,672 ( 3) 28,271,305 34,932,778 37,764,351 39,644,103 - 註 1: 各年度財務資料係依據經會計師查核後之財務報表編製 2: 各年度並未辦理資產重估 3: 分配後數字, 依據次年度股東常會決議之情形填列 101

1 102 103 104 105 ( 4) 106 93,177,326 86,143,744 85,019,897 40,022,544 30,882,208 18,795,444 25,430,620 39,672,053 33,830,105 30,208,333 21,735,693 30,518,170 27,478,135 79,594,706 109,631,578 111,034 40,439 - - - 23,006,325 14,385,710 15,344,855 6,396,656 11,071,393-20,465,440 18,738,407 19,622,717 21,124,237 21,534,556-33,890 2,707 3,936 7,263 - - - - - - - 292,517,032 319,176,466 334,063,822 355,963,672 351,056,762 3,105,972 3,991,084 3,125,209 2,630,635 2,135,246-2,661,857 2,609,533 3,026,485 2,568,315 2,758,906 - - - - - - 11,139,563 14,724,568 13,650,590 12,761,117 10,172,871-2 2,809,277 2,781,602 2,833,396 2,883,105 2,882,032 - - - - - - - 1,830,904 1,801,534 1,776,051 1,750,568 1,725,085-576,972 860,360 630,181 631,415 546,064 172,847 146,649 226,885 214,718 190,336 492,105,686 521,382,776 546,472,983 560,375,729 574,802,633 13,782,129 11,496,870 13,194,889 7,432,194 6,960,774 - - - - - 7,288,065 11,055,294 9,588,248 7,954,542 4,319,121 12,631 5,204 - - - 1,299,471 4,391,451 3,743,155 13,711,223 12,921,364 13,443,426 5,537,456 3,895,944 5,719,222 6,420,726 5,277 225,465 338,563 401,086 250,254 - - - - - 398,665,473 423,765,479 452,068,088 452,904,998 472,621,114 27,103,885 25,479,749 20,312,370 24,309,357 20,216,664 - - - - - 396,054 1,844,152 2,341,145 5,265,429 6,657,217 754,125 985,437 1,127,306 1,240,278 1,127,116 - - - - - 402,066 518,711 885,627 486,523 521,611 () 102

() 1 105 102 103 104 ( 4) 106 463,152,602 485,305,268 507,495,335 519,424,852 532,015,961 ( 3) 463,834,381 486,449,998 508,708,632 520,731,626-28,953,084 36,077,508 38,977,648 40,950,877 42,786,672 23,621,182 28,618,263 30,332,430 31,113,672 31,829,286 ( 3) 24,845,658 30,155,064 30,939,079 31,829,286-34,923 462,400 459,918 456,426 456,426 5,595,176 7,199,140 8,300,405 9,609,340 10,486,758 ( 3) 3,688,921 4,517,609 6,480,459 7,586,952 - (298,197) (202,295) (115,105) (228,561) 14,202 - - - - - - - - - - 28,953,084 36,077,508 38,977,648 40,950,877 42,786,672 ( 3) 28,271,305 34,932,778 37,764,351 39,644,103-1 2 3 4 106 2 6 105 103

() 1 102 103 104 105 106 11,263,921 12,253,408 11,989,434 9,629,219 10,057,931 : 6,379,554 6,873,872 6,185,693 3,844,797 4,653,057 4,884,367 5,379,536 5,803,741 5,784,422 5,404,874 4,653,695 5,497,412 5,423,986 4,963,033 5,015,382 9,538,062 10,876,948 11,227,727 10,747,455 10,420,256 ( ) (18,171) 70,318 32,816 452,001 731,847 5,993,126 6,506,210 6,575,291 6,479,552 6,420,765 3,563,107 4,300,420 4,619,620 3,815,902 3,267,644 () (501,837) (602,340) (705,488) (572,016) (413,761) 3,061,270 3,698,080 3,914,132 3,243,886 2,853,883 - - - - - 3,061,270 3,698,080 3,914,132 3,243,886 2,853,883 () (132,848) 716 (44,146) (228,461) 288,686 2,928,422 3,698,796 3,869,986 3,015,425 3,142,569 3,061,270 3,698,080 3,914,132 3,243,886 2,853,883 - - - - - 2,928,422 3,698,796 3,869,986 3,015,425 3,142,569 - - - - - () 1.13 1.19 1.24 1.02 0.90 1 104

( 1) 102 103 104 105 ( 2) 106 11,263,165 12,251,873 11,984,430 9,612,481 10,015,147 : 6,378,340 6,876,102 6,180,139 3,833,195 4,632,022 4,884,825 5,375,771 5,804,291 5,779,286 5,383,125 4,370,379 5,194,981 5,038,200 4,739,637 4,817,745 9,255,204 10,570,752 10,842,491 10,518,923 10,200,870 () (18,093) 70,361 30,609 449,158 729,425 5,746,736 6,236,507 6,299,060 6,259,739 6,188,116 3,526,561 4,263,884 4,512,822 3,810,026 3,283,329 () (465,291) (565,804) (598,690) (566,140) (429,446) 3,061,270 3,698,080 3,914,132 3,243,886 2,853,883 - - - - - 3,061,270 3,698,080 3,914,132 3,243,886 2,853,883 () (132,848) 716 (44,146) (228,461) 288,686 2,928,422 3,698,796 3,869,986 3,015,425 3,142,569 3,061,270 3,698,080 3,914,132 3,243,886 2,853,883 - - - - - 2,928,422 3,698,796 3,869,986 3,015,425 3,142,569 - - - - - () 1.13 1.19 1.24 1.02 0.90 1 210626 105 105

()(KPI) 3 1 102 103 104 105 106 74.51 76.54 75.03 79.74 75.40 0.367 0.395 0.252 0.192 0.287 0.86 0.84 0.83 0.68 0.78 2.95 3.00 2.74 2.53 2.49 0.02 0.02 0.02 0.02 0.02 () 3,761 4,204 4,360 4,265 4,168 () 1,207 1,429 1,520 1,287 1,142 13.72 14.46 13.32 10.28 8.40 0.64 0.73 0.73 0.59 0.50 11.05 11.37 10.43 8.12 6.82 32.10 34.00 34.86 30.18 27.39 ( 5) 1.30 1.31 1.30 1.04 0.90 1.13 1.19 1.24 1.02-94.09 93.06 92.83 92.67 92.53 9.72 7.72 7.29 7.06 6.75 5.72 6.05 4.71 2.72 2.50 22.24 20.69 7.42 (17.40) (14.37) 6.28 ( 2) 38.84 ( 2) 27.96 1,263.15 ( 2) 144.64 ( 2) ( 2) 4,504.59 ( 2) 1,225.24 ( 2) ( 2) 33.29 31.10 30.19 28.20 31.72 () 5,924,468 7,144,352 7,706,256 8,208,646 5,896,869 1.91 2.11 2.17 2.18 1.58 1.09 1.06 1.07 1.07 1.06 1.02 1.15 1.14 1.14 1.14 1.25 1.23 1.23 1.16 1.17 1.20 1.22 1.24 1.23 1.15 ( 20%) 1.106 2.106 3.106 106

3 1 102 103 104 105 106 74.45 76.45 74.90 79.71 75.37 0.367 0.395 0.252 0.192 0.287 0.86 0.84 0.83 0.68 0.78 2.95 3.00 2.74 2.53 2.49 0.02 0.02 0.02 0.02 0.02 () 3,817 4,261 4,390 4,309 4,231 () 1,262 1,491 1,585 1,329 1,184 % 13.88 14.60 13.24 10.47 8.57 0.64 0.73 0.73 0.59 0.50 11.05 11.37 10.43 8.12 6.82 33.08 34.98 36.10 30.84 27.98 1.30 1.31 1.30 1.04 0.90 ( 5) 1.13 1.19 1.24 1.02-94.09 93.05 92.83 92.66 92.52 9.70 7.71 7.27 7.04 6.74 5.84 5.95 4.81 2.64 2.57 23.61 20.91 5.84 (15.57) (13.82) 2.77 ( 2) 37.72 ( 2) 26.57 1,225.96 ( 2) 146.71 ( 2) ( 2) 213.71 ( 2) 958.23 ( 2) 68,440.65 33.29 31.10 30.19 28.20 31.72 () 5,924,468 7,144,352 7,706,256 8,208,646 5,896,869 1.91 2.11 2.17 2.18 1.58 1.09 1.06 1.07 1.07 1.06 1.02 1.15 1.14 1.14 1.14 1.25 1.23 1.23 1.16 1.17 1.20 1.22 1.21 1.23 1.15 ( 20%) 1.106 2.106 3.106 (KPI) 1 2 3 1. (1) (2) 107

108 (3) (4) (5) (6)( 7) (7) 2. (1)= (2) (3) (4) (5)() 5 3. (1) (2) 4. (1)=() (2)= 5. 8 (1) (2) (3) 6. 7. (1) 6 (2) (3) (4) 4 5 1. 2. 3. 4. 5. 6 7 8 1. 2. 3. 4.

() 103 104 105 106 33,243,204 36,095,275 38,122,066 39,698,325 - - - - 14,018,501 13,273,278 14,947,886 12,185,406 47,261,705 49,368,553 53,069,952 51,883,731 324,818,191 340,251,117 358,837,133 322,187,276 - - - - 317,180 - - - 14,223,250 19,072,988 19,910,475 19,646,350 / - - - - - - - - 19,804,188 22,448,425 16,796,650 14,948,088 - - - - 359,162,809 381,772,530 395,544,258 356,781,714 13.16% 12.93% 13.42% 14.54% 9.26% 9.45% 9.64% 11.13% 9.26% 9.45% 9.64% 11.13% 5.58% 5.85% 5.97% 6.12% ( 20%) 1. 2. (1) (2) 12.5 (3) (4)(+) (5) (6)=/ 109

103 104 105 106 32,736,013 35,411,051 37,403,214 39,236,233 - - - - 13,504,626 12,581,780 14,218,654 11,680,665 46,240,639 47,992,831 51,621,868 50,916,898 323,785,850 338,888,812 356,944,620 320,791,287 - - - - 317,180 - - - 14,442,463 18,490,750 19,249,288 19,112,088 / - - - - - - - - 19,759,250 22,448,425 16,796,650 14,948,088 - - - - 358,304,743 379,827,987 392,990,558 354,851,463 12.91% 12.64% 13.14% 14.35% 9.14% 9.32% 9.52% 11.06% 9.14% 9.32% 9.52% 11.06% 5.50% 5.74% 5.87% 6.06% ( 20%) 1. 2. (1) (2)12.5 (3) (4)(+) (5) (6)=/ 110

102 23,621,182 - - - 34,923 2,511,684 179,722 2,903,770 - (298,197) - - 2,715,078 26,238,006 - - - 45% 28,732-2,075,168 12,380,000 - - 807,114 13,676,786 - - - 39,914,792 291,547,743 - - 12,714,700 / - - 10,309,788-314,572,231 12.69% 8.34% 4.35% - 4.80% 1 (1). (2).12.5 (3). (4). (5). (6). (7). 111

102 23,621,182 - - - 34,923 2,511,684 179,722 2,903,770 - (298,197) - - 3,263,079 25,690,005 - - - 45% 28,732-2,070,008 12,380,000 - - 1,355,115 13,123,625 - - 38,813,630 288,008,208 - - 13,241,600 / - - 10,309,788-311,559,596 12.46% 8.25% 4.21% - 4.80% - 112

113

240 346 135 237 114

106 12 31 105 12 31 30,882,208 40,022,544 (9,140,336) (23) 30,208,333 33,830,105 (3,621,772) (11) 109,631,578 79,594,706 30,036,872 38 351,056,762 355,963,672 (4,906,910) (1) 21,534,556 21,124,237 410,319 2 23,379,510 21,788,408 1,591,102 7 8,109,686 8,052,057 57,629 1 574,802,633 560,375,729 14,426,904 3 472,621,114 452,904,998 19,716,116 4 59,394,847 66,519,854 (7,125,007) (11) 532,015,961 519,424,852 12,591,109 2 31,829,286 31,113,672 715,614 2 456,426 456,426 0 0 10,486,758 9,609,340 877,418 9 14,202 (228,561) 242,763 106 42,786,672 40,950,877 1,835,795 4 (20%10,000) 1.10582 2710 2.105168125 5 3.105 115

106 105 () $ 5,383,125 $ 5,779,286 $ (396,161) (7) 4,817,745 4,739,637 79,108 2 10,200,870 10,518,923 (318,053) (3) 729,425 449,158 280,267 (62) 6,188,116 6,259,739 (71,623) (1) 3,283,329 3,810,026 (526,697) (14) 429,446 566,140 (136,694) (24) $ 2,853,883 $ 3,243,886 $ (390,003) (12) 1.( 20% 10,000 ) (1) 106 (2) 106 105 2. 82 () 106 105 () () 26.57 - () - () 68,440.65 - () (A) (B) (C) (A)(B)(C) 8,531,125 5,867,760 8,453,975 5,944,910 - - 116

() 1. 10642,666 106276,704 105253,21923,485 1059% 2. 107 : (1) (2) (3) (4) (5) () 1. 2. (1)NPL (2) () 1. (1)( )() (2) 117

(3) 2. (1) (2) (3) 1. 2. // (4) 118

119 () 1. 1. () () 1. 2. 3. (1) (2) () 1. 2. 3. 2. //

3. 4. 5. () 1. 2. () () () ( ) 107 3 31 102,956,989 0 415 7 34,355,063 1,045,302 190,689,486 14,034,250 74,464,982 4,715,981 165,764,388 7,058,341 739,779 59,182 7,781,104 425,723 576,752,206 27,338,786 120

2. 1. 2. 3. 4. 5. 6. (1) (2) () (3), (4) (5) 7. 8.(ECAI) 9.( ) : 69 121

3. 1. 2. 3. 4. KYC(Know Your Customer) (ISO27001) 5. 107 3 31 104 10,427,737 105 10,194,958 106 9,956,648 30,579,343 1,528,967 122

4. 1. 2. 3. 4. 5. 80%~125% 107 3 31 853,468 142,164 404,842 0 1,400,474 5. 123

106 12 31 : 0 10 11 30 31 90 91 180 181 1 1 615,404,461 109,522,593 69,866,772 108,263,448 54,146,537 59,583,162 214,021,949 748,567,793 48,174,540 69,271,164 157,563,789 138,649,895 162,691,952 172,216,453 (133,163,332) 61,348,053 595,608 (49,300,341) (84,503,358) (103,108,790) 41,805,496 106 12 31 : 0 30 31 90 91 180 181 1 1 9,004,471 3,082,670 2,617,797 1,172,558 689,521 1,441,925 9,398,646 3,748,072 3,377,047 881,325 750,334 641,868 (394,175) (665,402) (759,250) 291,233 (60,813) 800,057 () 1.106.1.23 2.106.3.22 (1) ( 5-1 7-1 ) ( 6 ) ( 8 ) ( 32 ) ( 34 ) ( 8 32 ) (2) 124

() () () 1. 2. 3. () 1. (1) (2) one stop service 2. (1) (2) 3. (1) (2) () 1. 2. 125

() () 1% () 106 10 96 244,563 () 106 10 5 1. 2. 3. 4. 126

() 100.00 100.00 () 100% () 93.01.29 207 17 B 97.06.26 7 51 104.04.27 1 2806 1,200,000 200,000 10,000 305,110 127

() 107 12 31 120,000,000 120,000,000 120,000,000 120,000,000 120,000,000 120,000,000 120,000,000 20,000,000 20,000,000 20,000,000 20,000,000 20,000,000 20,000,000 20,000,000 100.00 100.00 100.00% 128

() 106 12 31 () ()() ()() () 1,200,000 800,936 137,256 663,680 46,018 30,371 36,110 0.36 0.30 () 200,000 376,198 55,037 321,161 276,704 50,720 42,666 2.18 2.13 305,110 960,466 660,239 300,227 57,100 25,963 19,461 1.43 0.64 36 3 2 129

1 2 3 4 5 6 7 8 10 11 12 106 Huy Vietnam Group Limited 2017 FE friday 2017-106 2016 e TORUK 2017 - HAPPY+ 3,000 SWIFT 99.99% 2017 BSI APP 2017 TCSA 2018 TTQS Love & Peace 130

106 207 27 (02) 2378-6868 100 112 (02) 2327-8898 100 135 (02) 2356-7711 100 1 (02) 2381-4567 100 40 (02) 2392-6955 100 50 (02) 2369-5600 103 86 (02) 2558-6186 103 30 (02) 2550-6600 103 30 (02) 2550-8811 104 70 (02) 2523-8899 104 59 (02) 2505-5533 104 101 (02) 7702-9766 104 12 1 (02) 2592-2255 105 171 (02) 8787-6668 106 207 1 (02) 2378-6868 106 207 13 (02) 7732-0086 106 207 20 (02) 2312-3636 110 7 (02) 8785-5788 110 505 (02) 2720-7755 101 110 7 51 1 (02) 8101-0168 110 200 3 (02) 2722-9558 112 112 (02) 2826-5688 114 495 (02) 2630-5788 220 182 3 33 (02) 8073-1166 220 1 (02) 2255-6499 220 172 (02) 8966-3339 220 228 (02) 2272-6088 220 18 ( B )2 (02) 7729-0616 231 98 (02) 2910-6060 234 222 (02) 2232-6500 234 535 (02) 7717-6668 235 3 (02) 2945-1800 241 46 (02) 8973-1133 131

242 209 (02) 8991-3366 242 6 (02) 2901-6868 247 38 (02) 7730-6978 320 372 (03) 427-9696 330 78 (03) 339-6339 330 6 (03) 301-8966 330 480 (03) 346-9688 333 227 (03) 397-3888 300 100 (03) 533-3131 300 11 3 (03) 579-8833 300 243 (03) 533-8168 302 41 (03) 553-6699 400 131 (04) 2225-2008 403 367 (04) 2328-8666 404 180 (04) 2297-3266 406 698 (04) 2230-6689 412 121 (04) 2482-3899 500 233 (04) 728-9188 540 11 (049) 222-3311 600 272 (05) 278-5911 701 2 (06) 208-9898 701 87 (06) 290-7290 710 37 (06) 253-0400 800 49 (07) 251-8199 802 96 (07) 715-5678 803 106 (07) 533-3820 830 201 (07) 777-8600 8 20 (852) 2167-8183 132

133

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股票代碼 :2845 遠東國際商業銀行股份有限公司及子公司合併財務報告暨會計師查核報告民國 106 及 105 年度地址 : 台北市敦化南路 2 段 207 號 27 樓電話 :(02)2378-6868 135

關係企業合併財務報告聲明書 106 年度 ( 自 106 年 1 月 1 日至 12 月 31 日止 ) 依關係企業合併營業報告書關係企業合併財務報表及關係報告書編製準則應納入編製關係企業合併財務報告之公司與依國際財務報導準則第 10 號應納入編製母子公司合併財務報告之公司均相同, 且關係企業合併財務報告所應揭露相關資訊於前揭母子公司合併財務報告中均已揭露, 爰不再另行編製關係企業合併財務報告特此聲明公司名稱 : 遠東國際商業銀行股份有限公司負責人 : 侯金英中華民國 107 年 3 月 21 日 136

會計師查核報告遠東國際商業銀行股份有限公司公鑒 : 查核意見遠東國際商業銀行股份有限公司及子公司民國 106 年及 105 年 12 月 31 日之合併資產負債表, 暨民國 106 年及 105 年 1 月 1 日至 12 月 31 日之合併綜合損益表合併權益變動表合併現金流量表, 以及合併財務報告附註 ( 包括重大會計政策彙總 ), 業經本會計師查核竣事依本會計師之意見, 上開合併財務報表在所有重大方面係依照公開發行銀行財務報告編製準則暨經金融監督管理委員會認可並發布生效之國際財務報導準則國際會計準則解釋及解釋公告編製, 足以允當表達遠東國際商業銀行股份有限公司及子公司民國 106 年及 105 年 12 月 31 日之合併財務狀況, 暨民國 106 年及 105 年 1 月 1 日至 12 月 31 日之合併財務績效及合併現金流量查核意見之基礎本會計師係依照會計師查核簽證金融業財務報表規則及一般公認審計準則執行查核工作, 本會計師於該等準則下之責任將於會計師查核合併財務報表之責任段進一步說明本會計師所隸屬事務所受獨立性規範之人員已依會計師職業道德規範, 與遠東國際商業銀行股份有限公司及子公司保持超然獨立, 並履行該規範之其他責任本會計師相信已取得足夠及適切之查核證據, 以作為表示查核意見之基礎 137

關鍵查核事項關鍵查核事項係指依本會計師之專業判斷, 對遠東國際商業銀行股份有限公司及子公司民國 106 年度合併財務報表之查核最為重要之事項該等事項已於查核合併財務報表整體及形成查核意見之過程中予以因應, 本會計師並不對該等事項單獨表示意見茲對遠東國際商業銀行股份有限公司民國 106 年度合併財務報表之關鍵查核事項敘明如下 : 放款及應收款之備抵呆帳提存截至民國 106 年 12 月 31 日止, 放款及應收款金額合計為 373,807,631 仟元, 佔合併財務報表總資產約 65%, 對合併財務報表整體係屬重大管理階層進行放款及應收款之減損評估時, 需考量未來收回金額及時點未來經濟狀況之變動及擔保品之價值, 其衡量過程中涉及許多判斷及估計且需符合主管機關對於備抵呆帳提列之法令規定由於評估放款及應收款減損涉及會計估計與管理階層之假設等重大判斷, 因是列為民國 106 年度之關鍵查核事項有關放款及應收款減損評估之會計政策及相關資訊請參閱合併財務報表附註四五十十一及四三本會計師執行程序包括 : 1. 瞭解及測試遠東國際商業銀行股份有限公司評估放款及應收款減損攸關之內部控制作業程序 ; 2. 自個別評估減損之放款及應收款案件選取樣本, 評估管理階層對該等放款及應收款對象未來之現金流量之估計及持有擔保品價值之合理性 ; 3. 針對集體評估減損, 驗證其減損模型所採用之假設與重要參數 ( 減損發生率及回收率 ) 是否適當反映實際情形, 並核算減損金額 4. 抽樣檢閱授信檔案, 評估放款及應收款依法令規定分類之合理性, 並核算法定提存之正確性 138

無形資產 - 營業權減損評估截至民國 106 年 12 月 31 日止, 帳列無形資產 - 營業權之餘額為 1,538,210 仟元, 其係遠東國際商業銀行股份有限公司收購其他金融機構業務, 將收購成本依公允價值分攤至相關資產負債後所得依國際會計準則第 36 號公報規定, 管理階層每年或於有減損跡象時評估無形資產 - 營業權之減損評估時管理階層需使用估列相關現金產生單位之未來現金流量以決定營業權之使用價值, 評估過程中將涉及管理階層之重大判斷及估計, 因是列為關鍵查核事項有關無形資產 - 營業權減損評估相關資訊請參閱附註四五及十八本會計師採用本所財務諮詢專家協助執行之程序如下 : 1. 評估管理階層所使用之評價人員之專業資歷適任能力及獨立性, 並驗證評價人員之資格 2. 評估重要參數 ( 例如未來現金流量預測折現率及永續成長率等 ) 之合理性, 並執行敏感度分析 3. 驗證所使用之原始資料 ( 包含存放款平均餘額及成長率存放款利率等 ) 以評估使用資料之正確性及完整性其他事項遠東國際商業銀行股份有限公司業已編製民國 106 及 105 年度之個體財務報表, 業經本會計師出具無保留意見之查核報告在案, 備供參考管理階層與治理單位對合併財務報表之責任管理階層之責任係依照公開發行銀行財務報告編製準則暨經金融監督管理委員會認可之國際財務報導準則國際會計準則解釋及解釋公告編製允當表達之合併財務報表, 且維持與合併財務報表編製有關之必要內部控制, 以確保合併財務報表未存有導因於舞弊或錯誤之重大不實表達於編製合併財務報表時, 管理階層之責任亦包括評估遠東國際商業銀行股份有限公司及子公司繼續經營之能力相關事項之揭露, 以及繼續經營會計基礎之採用, 除非管理階層意圖清算遠東國際商業銀 139

行股份有限公司及子公司或停止營業, 或除清算或停業外別無實際可行之其他方案遠東國際商業銀行股份有限公司及子公司之治理單位 ( 含審計委員會 ) 負有監督財務報導流程之責任會計師查核合併財務報表之責任本會計師查核合併財務報表之目的, 係對合併財務報表整體是否存有導因於舞弊或錯誤之重大不實表達取得合理確信, 並出具查核報告合理確信係高度確信, 惟依照一般公認審計準則執行之查核工作無法保證必能偵出合併財務報表存有之重大不實表達不實表達可能導因於舞弊或錯誤如不實表達之個別金額或彙總數可合理預期將影響合併財務報表使用者所作之經濟決策, 則被認為具有重大性本會計師依照一般公認審計準則查核時, 運用專業判斷並保持專業上之懷疑本會計師亦執行下列工作 : 1. 辨認並評估合併財務報表導因於舞弊或錯誤之重大不實表達風險 ; 對所評估之風險設計及執行適當之因應對策 ; 並取得足夠及適切之查核證據以作為查核意見之基礎因舞弊可能涉及共謀偽造故意遺漏不實聲明或踰越內部控制, 故未偵出導因於舞弊之重大不實表達之風險高於導因於錯誤者 2. 對與查核攸關之內部控制取得必要之瞭解, 以設計當時情況下之適當查核程序, 惟其目的非對遠東國際商業銀行股份有限公司及子公司內部控制之有效性表示意見 3. 評估管理階層所採用會計政策之適當性, 及其所作會計估計與相關揭露之合理性 4. 依據所取得之查核證據, 對管理階層採用繼續經營會計基礎之適當性, 以及使遠東國際商業銀行股份有限公司及子公司繼續經營之能力可能產生重大疑慮之事件或情況是否存在重大不確定性, 作出結論本會計師若認為該等事件或情況存在重大不確定性, 則須在查核報告中提醒合併財務報表使用者注意合併財務報表之相關揭露, 或於該等揭露係屬不適當時修正查核意見本會計師之結論係以截至查核報告日所取得之查核證據為基礎惟未 140

來事件或情況可能導致遠東國際商業銀行股份有限公司及子公司不再具有繼續經營之能力 5. 評估合併財務報表 ( 包括相關附註 ) 之整體表達結構及內容, 以及合併財務報表是否允當表達相關交易及事件 6. 對於合併財務報表組成個體之財務資訊取得足夠及適切之查核證據, 以對合併財務報表表示意見本會計師負責合併財務報表查核案件之指導監督及執行, 並負責形成合併財務報表查核意見本會計師與治理單位溝通之事項, 包括所規劃之查核範圍及時間, 以及重大查核發現 ( 包括於查核過程中所辨認之內部控制顯著缺失 ) 本會計師亦向治理單位提供本會計師所隸屬事務所受獨立性規範之人員已遵循會計師職業道德規範中有關獨立性之聲明, 並與治理單位溝通所有可能被認為會影響會計師獨立性之關係及其他事項 ( 包括相關防護措施 ) 本會計師從與治理單位溝通之事項中, 決定對遠東國際商業銀行股份有限公司及子公司民國 106 年度合併財務報表查核之關鍵查核事項本會計師於查核報告中敘明該等事項, 除非法令不允許公開揭露特定事項, 或在極罕見情況下, 本會計師決定不於查核報告中溝通特定事項, 因可合理預期此溝通所產生之負面影響大於所增進之公眾利益勤業眾信聯合會計師事務所會計師吳世宗會計師楊承修金融監督管理委員會核准文號金管證審字第 1010028123 號金融監督管理委員會核准文號金管證審字第 0980032818 號中華民國 107 年 3 月 21 日 141

遠東國際商業銀行股份有限公司及子公司合併資產負債表民國 106 年及 105 年 12 月 31 日 106 年 12 月 31 日 105 年 12 月 31 日代碼資產金額 % 金額 % 11000 現金及約當現金 ( 附註六 ) $ 8,693,621 2 $ 7,361,878 1 11500 存放央行及拆借銀行同業 ( 附註七三七及三八 ) 22,351,083 4 32,744,760 6 12000 透過損益按公允價值衡量之金融資產 ( 附註四五八三七及四二 ) 30,208,333 5 33,830,105 6 12500 附賣回票券及債券投資 ( 附註四九及三七 ) 11,071,393 2 6,396,656 1 13000 應收款項 - 淨額 ( 附註四五十十一三七及四二 ) 22,750,869 4 22,847,242 4 13200 本期所得稅資產 ( 附註四 ) 7,372-4,117-13500 貼現及放款 - 淨額 ( 附註四五十一三七及四二 ) 351,056,762 61 355,963,672 63 14000 備供出售金融資產 ( 附註四五十二二八三八及四二 ) 109,631,578 19 79,594,706 14 14500 持有至到期日金融資產 ( 附註四五十三及四二 ) 2,135,246-2,630,635 1 15000 採用權益法之投資 ( 附註四十四及二八 ) 1,774,066-1,702,220-15513 無活絡市場之債務工具投資 ( 附註四十五及四二 ) 6,677,076 1 8,170,732 2 15597 其他金融資產 - 淨額 ( 附註四十一十六三八及四二 ) 3,667,760 1 4,670,815 1 18500 不動產及設備 - 淨額 ( 附註四及十七 ) 2,889,392 1 2,889,674 1 19000 無形資產 - 淨額 ( 附註四五及十八 ) 1,725,085-1,750,568-19300 遞延所得稅資產 ( 附註四五及三五 ) 584,502-635,104-19500 其他資產 ( 附註四及十九 ) 200,142-222,399-10000 資產總計 $ 575,424,280 100 $ 561,415,283 100 142

單位 : 新臺幣仟元 106 年 12 月 31 日 105 年 12 月 31 日代碼負債及權益金額 % 金額 % 21000 央行及銀行同業存款 ( 附註二十 ) $ 6,960,774 1 $ 7,432,194 1 22000 透過損益按公允價值衡量之金融負債 ( 附註四五八二四三七及四二 ) 4,319,121 1 7,954,542 2 22500 附買回票券及債券負債 ( 附註四十二二一三七及四二 ) 12,921,364 2 13,711,223 3 23000 應付款項 ( 附註二二及二七 ) 6,488,285 1 5,799,874 1 23200 本期所得稅負債 ( 附註四 ) 254,446-405,097-23500 存款及匯款 ( 附註二三三七及四二 ) 472,392,183 82 452,720,460 81 24000 應付金融債券 ( 附註四八二四及四二 ) 20,216,664 4 24,309,357 4 25500 其他金融負債 ( 附註二五及四二 ) 7,416,775 2 6,385,369 1 25600 負債準備 ( 附註四十一二六二七及三七 ) 1,127,116-1,240,278-29500 其他負債 ( 附註三五 ) 540,880-506,012-20000 負債總計 532,637,608 93 520,464,406 93 歸屬於母公司業主之權益 ( 附註四五十二十四及二八 ) 股本 31101 普通股股本 31,829,286 5 31,113,672 5 31501 資本公積 456,426-456,426 - 保留盈餘 32001 法定盈餘公積 6,544,643 1 5,571,477 1 32003 特別盈餘公積 250,703-121,028-32011 未分配盈餘 3,691,412 1 3,916,835 1 32000 保留盈餘總計 10,486,758 2 9,609,340 2 其他權益 32521 國外營運機構財務報表換算之兌換差額 ( 8,653 ) - 115,916-32523 備供出售金融資產未實現評價損益 22,855 - ( 344,477) - 32500 其他權益總計 14,202 - ( 228,561) - 30000 權益總計 42,786,672 7 40,950,877 7 負債及權益總計 $ 575,424,280 100 $ 561,415,283 100 後附之附註係本合併財務報告之一部分董事長 : 侯金英經理人 : 周添財會計主管 : 陳雲儀 143

遠東國際商業銀行股份有限公司及子公司合併綜合損益表民國 106 年及 105 年 1 月 1 日至 12 月 31 日單位 : 新臺幣仟元, 惟每股盈餘為新臺幣元變動 106 年度 105 年度百分比代碼金額 % 金額 % (%) 41000 利息收入 ( 附註四二九及三七 ) $ 10,057,931 97 $ 9,629,219 90 4 51000 利息費用 ( 附註四二九及三七 ) 4,653,057 45 3,844,797 36 21 49010 利息淨收益 5,404,874 52 5,784,422 54 ( 7) 利息以外淨收益 49100 手續費淨收益 ( 附註四三十及三七 ) 3,152,327 30 3,196,617 30 ( 1) 49200 透過損益按公允價值衡量之金融資產及負債利益 ( 附註四二四三一三七及四二 ) 1,732,217 17 1,247,844 11 39 49300 備供出售金融資產之已實現利益 ( 附註四及二八 ) 86,718 1 119,716 1 ( 28) 49600 兌換損益 ( 附註四 ) ( 293,168 ) ( 3) 46,982 - ( 724) 47001 採用權益法認列之關聯企業利益之份額 ( 附註四及十四 ) 103,337 1 85,454 1 21 49700 資產減損損失 ( 附註四及十六 ) ( 17,009 ) - ( 20,528 ) - 17 49899 其他利息以外淨收益 ( 附註十及二四 ) 250,960 2 286,948 3 ( 13) 49020 利息以外淨收益合計 5,015,382 48 4,963,033 46 1 4xxxx 淨收益 10,420,256 100 10,747,455 100 ( 3) 58200 提存呆帳費用及保證責任損失 ( 附註四十一及三七 ) 731,847 7 452,001 4 62 營業費用 58500 員工福利費用 ( 附註四二七三二及三七 ) 3,790,879 36 3,793,101 36-59000 折舊及攤銷費用 ( 附註四及三三 ) 248,142 3 226,448 2 10 59500 其他業務及管理費用 ( 附註三四及三七 ) 2,381,744 23 2,460,003 23 ( 3) 58400 營業費用合計 6,420,765 62 6,479,552 61 ( 1) 61001 稅前淨利 3,267,644 31 3,815,902 35 ( 14) 61003 所得稅費用 ( 附註四及三五 ) 413,761 4 572,016 5 ( 28) 64000 本年度淨利 2,853,883 27 3,243,886 30 ( 12) ( 接次頁 ) 144

( 承前頁 ) 變動 106 年度 105 年度百分比代碼金額 % 金額 % (%) 其他綜合損益不重分類至損益之項目 65201 確定福利計畫再衡量數 ( 附註四及二七 ) 55,828 1 ( 137,752 ) ( 1) 141 65206 採用權益法認列之關聯企業其他綜合損益之份額 ( 附註四及十四 ) ( 414 ) - ( 671 ) - 38 65220 與不重分類之項目相關之所得稅 ( 附註三五 ) ( 9,491 ) - 23,418 - ( 141) 65200 不重分類至損益之項目合計 45,923 1 ( 115,005 ) ( 1) 140 後續可能重分類至損益之項目 65301 國外營運機構財務報表換算之兌換差額 ( 附註四 ) ( 128,795 ) ( 1) ( 25,207 ) - ( 411) 65302 備供出售金融資產未實現評價損益 ( 附註四及二八 ) 357,804 3 ( 76,297 ) ( 1) 569 65306 採用權益法認列之關聯企業其他綜合損益之份額 ( 附註四十四及二八 ) 9,528 - ( 11,952 ) - 180 65320 與可能重分類之項目相關之所得稅 ( 附註三五 ) 4,226 - - - - 65300 後續可能重分類至損益之項目合計 242,763 2 ( 113,456 ) ( 1) 314 65000 本年度其他綜合損益 288,686 3 ( 228,461 ) ( 2) 226 66000 本年度綜合損益總額 $ 3,142,569 30 $ 3,015,425 28 4 淨利歸屬於 : 67101 母公司業主 $ 2,853,883 27 $ 3,243,886 30 ( 12) 綜合損益總額歸屬於 : 67301 母公司業主 $ 3,142,569 30 $ 3,015,425 28 4 每股盈餘 ( 附註三六 ) 67501 基本 $ 0.90 $ 1.02 67701 稀釋 $ 0.86 $ 0.98 後附之附註係本合併財務報告之一部分董事長 : 侯金英經理人 : 周添財會計主管 : 陳雲儀 145

遠東國際商業銀行股份有限公司及子公司合併權益變動表民國 106 年及 105 年 1 月 1 日至 12 月 31 日歸屬於母公司普通股股本資本公積保留代碼 ( 附註二八 ) ( 附註二八 ) 法定盈餘公積 A1 105 年 1 月 1 日餘額 $ 30,332,430 $ 459,918 $ 4,491,173 104 年度盈餘指撥及分配 B1 法定盈餘公積 - - 1,080,304 B3 迴轉特別盈餘公積 - - - B5 現金股利 - 每股 0.400 元 - - - B9 股票股利 - 每股 0.200 元 606,649 - - 606,649-1,080,304 D1 105 年度淨利 - - - D3 105 年度其他綜合損益 - - - D5 105 年度綜合損益總額 - - - N1 員工酬勞轉增資 174,593 ( 3,492 ) - Z1 105 年 12 月 31 日餘額 31,113,672 456,426 5,571,477 105 年度盈餘指撥及分配 B1 法定盈餘公積 - - 973,166 B3 特別盈餘公積 - - - B5 現金股利 - 每股 0.420 元 - - - B9 股票股利 - 每股 0.230 元 715,614 - - 715,614-973,166 D1 106 年度淨利 - - - D3 106 年度其他綜合損益 - - - D5 106 年度綜合損益總額 - - - Z1 106 年 12 月 31 日餘額 $ 31,829,286 $ 456,426 $ 6,544,643 146

單位 : 新臺幣仟元業主之權益其他權益備供出售金融國外營運機構財務資產未實現評價損益盈餘 ( 附註二八 ) 報表換算之兌換 ( 附註四十二特別盈餘公積未分配盈餘差額 ( 附註四 ) 十四及二八 ) 權益總計 $ 208,219 $ 3,601,013 $ 141,123 ( $ 256,228 ) $ 38,977,648 - ( 1,080,304 ) - - - ( 87,191 ) 87,191 - - - - ( 1,213,297 ) - - ( 1,213,297 ) - ( 606,649 ) - - - ( 87,191 ) ( 2,813,059 ) - - ( 1,213,297 ) - 3,243,886 - - 3,243,886 - ( 115,005 ) ( 25,207) ( 88,249 ) ( 228,461 ) - 3,128,881 ( 25,207) ( 88,249 ) 3,015,425 - - - - 171,101 121,028 3,916,835 115,916 ( 344,477 ) 40,950,877 - ( 973,166 ) - - - 129,675 ( 129,675 ) - - - - ( 1,306,774 ) - - ( 1,306,774 ) - ( 715,614 ) - - - 129,675 ( 3,125,229 ) - - ( 1,306,774 ) - 2,853,883 - - 2,853,883-45,923 ( 124,569) 367,332 288,686-2,899,806 ( 124,569) 367,332 3,142,569 $ 250,703 $ 3,691,412 ( $ 8,653) $ 22,855 $ 42,786,672 後附之附註係本合併財務報告之一部分董事長 : 侯金英經理人 : 周添財會計主管 : 陳雲儀 147

遠東國際商業銀行股份有限公司及子公司合併現金流量表民國 106 年及 105 年 1 月 1 日至 12 月 31 日單位 : 新臺幣仟元代碼 106 年度 105 年度營業活動之現金流量 A00010 稅前淨利 $ 3,267,644 $ 3,815,902 A20000 調整項目 A20100 折舊費用 220,196 198,246 A20200 攤銷費用 27,946 28,202 A20300 提存呆帳費用及保證責任損失 1,215,343 1,300,165 A20400 透過損益按公允價值衡量金融資產及負債之淨評價利益 ( 160,180 ) ( 566,152 ) A20900 利息費用 4,653,057 3,844,797 A21200 利息收入 ( 10,057,931 ) ( 9,629,219 ) A21300 股利收入 ( 63,321 ) ( 63,195 ) A22300 採用權益法認列之關聯企業利益之份額 ( 103,337 ) ( 85,454 ) A24100 未實現外幣兌換損失 ( 利益 ) 395,728 ( 59,875 ) A22900 處分投資利益 ( 1,490 ) - A29900 其他調整項目 ( 100,995 ) 768 A40000 與營業活動相關之資產 / 負債變動數 A41110 存放央行及拆借銀行同業減少 ( 增加 ) 7,092,056 ( 3,531,591 ) A41120 透過損益按公允價值衡量之金融資產減少 3,781,946 6,408,184 A41150 應收款項增加 ( 1,776,592 ) ( 2,273,540 ) A41160 貼現及放款減少 ( 增加 ) 551,765 ( 22,683,826 ) A41170 備供出售金融資產增加 ( 30,236,113 ) ( 52,201,509 ) A41180 持有至到期日金融資產減少 306,249 488,896 A41190 無活絡市場之債務工具投資減少 ( 增加 ) 919,160 ( 966,219 ) A42110 央行及銀行同業存款增加 ( 減少 ) 137,136 ( 5,762,695 ) A42120 透過損益按公允價值衡量之金融負債減少 ( 3,635,415 ) ( 1,633,706 ) A42150 應付款項增加 $ 456,277 $ 2,040,052 A42160 存款及匯款增加 25,778,208 1,425,551 A33000 營運產生之現金流入 ( 流出 ) 2,667,337 ( 79,906,218 ) A33100 收取之利息 9,933,372 9,633,034 A33200 收取之股利 63,321 63,195 A33300 支付之利息 ( 4,338,543 ) ( 3,864,971 ) A33500 支付之所得稅 ( 486,615 ) ( 566,153 ) AAAA 營業活動之淨現金流入 ( 流出 ) 7,838,872 ( 74,641,113 ) ( 接次頁 ) 148

( 承前頁 ) 代碼 106 年度 105 年度投資活動之現金流量 B01200 取得以成本衡量之金融資產 ( 24,950 ) - B01300 處分以成本衡量之金融資產 51,496 - B01800 取得採用權益法之投資 ( 28,980 ) - B02700 取得不動產及設備 ( 224,462 ) ( 247,089 ) B02800 處分不動產及設備價款 45 325 B06600 其他金融資產減少 49,971 1,652,873 B06800 其他資產減少 19,794 11,093 B07600 收取關聯企業之股利 69,585 28,648 BBBB 投資活動之淨現金流入 ( 流出 ) ( 87,501 ) 1,445,850 籌資活動之現金流量 C01400 發行金融債券 - 4,000,000 C01500 償還金融債券 ( 4,000,000 ) ( 200 ) C02000 附買回票券及債券負債增加 ( 減少 ) ( 434,630 ) 9,968,068 C04100 其他金融負債增加 1,204,602 3,354,406 C04300 其他負債增加 ( 減少 ) 30,605 ( 393,772 ) C04500 發放現金股利 ( 1,306,774 ) ( 1,213,297 ) CCCC 籌資活動之淨現金流入 ( 流出 ) ( 4,506,197 ) 15,715,205 DDDD 匯率變動對現金及約當現金之影響 53,011 ( 25,606 ) EEEE 本年度現金及約當現金增加 ( 減少 ) 數 3,298,185 ( 57,505,664 ) E00100 年初現金及約當現金餘額 28,339,153 85,844,817 E00200 年底現金及約當現金餘額 $ 31,637,338 $ 28,339,153 合併現金流量表之現金及約當現金餘額與合併資產負債表之相關項目調節如下 : 106 年 12 月 31 日 105 年 12 月 31 日合併資產負債表帳列之現金及約當現金 $ 8,693,621 $ 7,361,878 符合國際會計準則第 7 號現金及約當現金定義之存放央行及拆借銀行同業 11,872,324 14,580,619 符合國際會計準則第 7 號現金及約當現金定義之附賣回票券及債券投資 11,071,393 6,396,656 年底現金及約當現金餘額 $ 31,637,338 $ 28,339,153 後附之附註係本合併財務報告之一部分董事長 : 侯金英經理人 : 周添財會計主管 : 陳雲儀 149

106 105 1 1 12 31 81 1 11 4 11 ( )() ( ) ( ) 106 12 31 55 1 103 1 106 2 6 107 3 21 ( ) 106 IFRS IAS IFRIC 150

SICIFRSs ( ) 107 IFRSs IASB 1 2014-2016 2 IFRS 2 2018 1 1 IFRS 4 IFRS 4 IFRS 9 2018 1 1 IFRS 9 2018 1 1 IFRS 9 IFRS 7 2018 1 1 IFRS 15 2018 1 1 IFRS 15 IFRS 15 2018 1 1 IAS 7 2017 1 1 IAS 12 2017 1 1 IAS 40 2018 1 1 IFRIC 22 2018 1 1 1 2 IFRS 12 2017 1 1 IAS 28 2018 1 1 IFRS9 IAS 39 IFRS 9 1. 151

2. 106 12 31 IFRS 9 1. IFRS 9 2. IFRS 9 3. IFRS 9 4. IFRS 9 152

IFRS 9 IFRS 15 12 IFRS9 IFRS 9 106 IFRS 9 IFRS 9 107 1 1 1061231 107 1 1 $ 30,208,333 $ 9,905,673 $ 40,114,006 11,071,393 ( 125 ) 11,071,268 351,056,762 ( 3,161,799 ) 347,894,963 109,631,578 ( 109,631,578 ) - - 109,891,833 109,891,833 2,135,246 ( 2,135,246 ) - 153

1061231 107 1 1 $ - $ 2,134,976 $ 2,134,976 1,774,066 4,010 1,778,076 6,677,076 ( 6,677,076 ) - 3,667,760 ( 114,232 ) 3,553,528 $ 216,436 1,127,116 $ 55,568 1,182,684 $ 55,568 10,486,758 ( $ 12,342 ) 10,474,416 14,202 173,210 187,412 $ 160,868 ( ) IASB IFRSs 2015-2017 IFRS 9 IFRS 10 IAS 28 IFRS 16 IFRS 17 IAS 19 IAS 28 IFRIC 23 IASB 1 2019 1 1 2019 1 1 2 2019 1 1 3 2021 1 1 2019 1 1 4 2019 1 1 2019 1 1 1 2 107 1 1 3 106 12 108 1 1 IFRS 16 4 2019 1 1 154

1. IFRS 16 IFRS 16 IAS 17 IFRS 16 IAS 17 IFRS 16 2. IFRS 9 IFRS 9 3. IAS 19 155

( ) IFRSs ( ) ( ) ( ) 1. 156

2. 106 1231 105 1231 100.00 100.00-100.00-100.00 100.00 100.00 100.00 100.00 106 2 6 ( ) ( ) 157

( ) ( ) ( ) ( ) 158

() () 1. 159

3 (1) A. B. C. (2) (3) 160

(4) 2. A. B. C. D. (1) 161

(2) (3) 162

3. 1. (1) (2) 2. 163

() () 164

() () () 1. 165

2. 3. 166

( ) ( ) ( ) ( ) 1061231 1051231 $ 2,889,476 $ 3,843,981 2,018,305 983,840 3,623,344 2,449,574 162,496 84,483 $ 8,693,621 $ 7,361,878 167

1061231 1051231 $ 125,000 $ 8,325,000 5,281,521 5,672,478 6,272,154 5,864,768 10,353,759 9,839,141 118,969 128,207 199,680 2,915,166 $ 22,351,083 $ 32,744,760 106 105 12 31 7 11,872,324 14,580,619 1061231 1051231 $ 13,979,621 $ 6,913,572 5,238,586 2,303,992 1,850,666 2,430,175 347,783 151,537 50,473 25,673 21,467,129 11,824,949 168

1061231 1051231 $ 950,685 $ 2,614,378 766,433 1,509,128 721,496 1,063,986 296,384 894,369 149,661 214,019 176,507 229,288 3,061,166 6,525,168 5,680,038 15,479,988 $ 30,208,333 $ 33,830,105 $ 50,241 $ - 2,125,712 3,587,781 1,161,278 2,125,383 545,246 823,203 283,706 927,605 80,710 192,576 72,228 297,994 4,268,880 7,954,542 $ 4,319,121 $ 7,954,542 169

1061231 1051231 $ 312,727,831 $ 320,907,855 121,214,106 132,957,199 57,406,578 95,282,700 18,028,192 23,884,949 16,842,966 13,947,329 8,413,280 8,008,710 8,122,800 30,424,500 5,337,816 8,170,732 4,492,400 5,613,950 4,015,800 15,666,104 1,116,080-356,566 1,647,967-189,823 1061231 1051231 $ 7,852,936 $ 5,658,812 2,719,046 300,067 499,411 437,777 $ 11,071,393 $ 6,396,656 107.01.02 106.01.03 107.01.30 106.01.20 $ 11,074,058 $ 6,397,911 1061231 1051231 $ 15,045,932 $ 14,662,176 4,843,249 4,099,904 917,409 763,127 598,100 573,306 569,629 727,793 474,151 445,695 170

1061231 1051231 $ 421,416 $ 318,477 350,625 92,581 175,574 207,249 154,944 318,732 20,229 578,302-724,920 335,675 453,640 23,906,933 23,965,902 1,156,064 1,118,660 $ 22,750,869 $ 22,847,242 1061231 1051231 $ 100,576 $ 90,968 69,042,425 79,964,607 124,489,833 124,444,055 161,806,758 156,199,322 501,027 296,544 355,940,619 360,995,496 4,883,857 5,031,824 $ 351,056,762 $ 355,963,672 106 $ 5,031,824 $ 1,118,674 $ 6,150,498 373,153 830,783 1,203,936 ( 466,510 ) ( 743,155 ) ( 1,209,665 ) ( 54,610 ) ( 50,050 ) ( 104,660 ) $ 4,883,857 $ 1,156,252 $ 6,040,109 171

105 $ 4,532,791 $ 802,021 $ 5,334,812 797,071 511,490 1,308,561 ( 284,943 ) ( 190,894 ) ( 475,837 ) ( 13,095 ) ( 3,943 ) ( 17,038 ) $ 5,031,824 $ 1,118,674 $ 6,150,498 106 105 $ 373,153 $ 797,071 830,783 511,490 11,407 ( 8,396 ) 257,773 601,852 225,723 246,312 $ 731,847 $ 452,001 106 105 1061231 1051231 $ 1,603,535 $ 563,826 $ 1,602,953 $ 632,201 1,937,024 441,292 2,000,020 424,435 3,193,736 31,937 5,553,075 55,531 349,206,324 3,846,802 351,839,448 3,919,657 $ 355,940,619 $ 4,883,857 $ 360,995,496 $ 5,031,824 1061231 1051231 $ 657,574 $ 580,751 $ 1,152,835 $ 505,212 1,465,738 493,309 1,626,539 529,476 9,533,501 7,210 12,570,280 4,805 18,842,391 74,982 17,688,134 79,181 $ 30,499,204 $ 1,156,252 $ 33,037,788 $ 1,118,674 172

1061231 1051231 $ 62,523,204 $ 45,764,676 23,884,945 11,920,299 21,006,259 20,523,215 1,458,459 936,545 709,311 449,971 49,400 - $ 109,631,578 $ 79,594,706 1061231 1051231 $ 12,366,170 $ 13,437,411 $ 1,162,801 $ 936,545 1061231 1051231 $ 1,479,602 $ 1,924,971 655,644 705,664 $ 2,135,246 $ 2,630,635 1061231 1051231 $ 1,646,555 22.06 $ 1,604,159 22.06 127,511 40.00 98,061 40.00 $ 1,774,066 $ 1,702,220 106 9 28,980 173

106 105 $ 103,337 $ 85,454 9,114 ( 12,623 ) $ 112,451 $ 72,831 1061231 1051231 $ 5,337,816 $ 8,170,732 742,300-596,960 - $ 6,677,076 $ 8,170,732 1061231 1051231 $ 261 $ 80 188 14 73 66 2,312,331 3,359,981 3 640,779 554,760 600,941 600,307 113,636 155,701 $ 3,667,760 $ 4,670,815 1061231 1051231 $ 62,263 $ 54,322 45,500 45,500 3,000 3,000 2,073 2,073 800 800-50,006 $ 113,636 $ 155,701 174

106 7 51,496 1,490 106 9 105 8 17,009 20,528 106 9 24,950 106 $ 1,581,625 $ 1,247,533 $ 1,584,981 $ 3,364 $ 1,530,469 $ 31,495 $ 5,979,467-1,130 143,251 67 53,143 26,871 224,462 - ( 811 ) ( 57,083 ) ( 889 ) ( 69,125 ) - ( 127,908 ) - - 43,343 - ( 7,146 ) ( 41,801 ) ( 5,604 ) 1,581,625 1,247,852 1,714,492 2,542 1,507,341 16,565 6,070,417-601,642 1,151,444 3,202 1,333,505-3,089,793-23,721 129,477 106 66,892-220,196 - ( 808 ) ( 56,979 ) ( 888 ) ( 66,249 ) - ( 124,924 ) - - 1,753 - ( 5,793 ) - ( 4,040 ) - 624,555 1,225,695 2,420 1,328,355-3,181,025 $ 1,581,625 $ 623,297 $ 488,797 $ 122 $ 178,986 $ 16,565 $ 2,889,392 105 $ 1,581,625 $ 1,246,142 $ 1,457,085 $ 4,136 $ 1,481,303 $ 25,776 $ 5,796,067-1,391 112,409-65,718 67,571 247,089 - - ( 42,913 ) ( 772 ) ( 17,983 ) - ( 61,668 ) - - 58,400-1,431 ( 61,852 ) ( 2,021 ) 1,581,625 1,247,533 1,584,981 3,364 1,530,469 31,495 5,979,467-577,275 1,086,408 3,874 1,287,818-2,955,375-24,367 109,119 100 64,660-198,246 - - ( 42,850 ) ( 772 ) ( 17,870 ) - ( 61,492 ) - - ( 1,233 ) - ( 1,103 ) - ( 2,336 ) - 601,642 1,151,444 3,202 1,333,505-3,089,793 $ 1,581,625 $ 645,891 $ 433,537 $ 162 $ 196,964 $ 31,495 $ 2,889,674 555 37 37 220 1061231 1051231 $ 1,538,210 $ 1,538,210 428,887 428,887 1,967,097 1,967,097 242,012 216,529 $ 1,725,085 $ 1,750,568 175

99 4 B 4 15 106 105 1061231 1051231 $ 167,698 $ 183,783 32,444 38,616 $ 200,142 $ 222,399 1061231 1051231 $ 6,601,520 $ 7,120,246 231,834 273,147 127,420 38,801 $ 6,960,774 $ 7,432,194 1061231 1051231 $ 11,785,554 $ 12,778,986 1,135,810 932,237 $ 12,921,364 $ 13,711,223 107.01.08 106.01.06 107.02.05 106.02.13 $ 12,943,304 $ 13,740,566 176

1061231 1051231 $ 2,018,305 $ 983,840 1,265,570 1,288,096 964,691 689,244 898,253 1,584,075 421,416 318,477 267,124 161,044 652,926 775,098 $ 6,488,285 $ 5,799,874 1061231 1051231 $ 2,913,365 $ 2,565,514 71,810,392 60,996,741 63,329,655 62,602,212 80,875,765 84,813,962 6,387,500 16,898,500 246,743,099 224,821,525 332,407 22,006 $ 472,392,183 $ 452,720,460 1061231 1051231 $ 18,601,900 $ 22,601,900 1,614,764 1,707,457 $ 20,216,664 $ 24,309,357 1061231 1051231 99 1 7 99.05.18106.05.18 05.18 $ - $ 2,000,000 2.98% 99 2 7 99.09.29106.09.29 09.29-2,000,000 2.10% 100 1 7 100.11.10107.11.10 11.10 3,500,000 3,500,000 1.95% 101 1 7 101.06.27108.06.27 06.27 3,000,000 3,000,000 1.75% 102 1 7 102.11.06109.11.06 11.06 4,000,000 4,000,000 2.10% 103 1 7 103.12.23110.12.23 12.23 2.05% 1,100,000 1,100,000 177

1061231 1051231 104 1 7 104.09.30111.09.30 09.30 $ 3,000,000 $ 3,000,000 1.95% 105 1 7 105.09.27112.09.27 09.27 4,000,000 4,000,000 1.55% 94 1-1 101.06.28 1,660 1,660 7 91 1-1 7 98.06.28 240 240 $ 18,601,900 $ 22,601,900 102 2 7 5 150,000 200 0% 4,009,661 471,589 38,252 2.63% 433,337 ( ) 101.89% ( ) 1. 30 30 20 130% 0.375% 2. 90% 3. 178

( ) 1. 2. 41 10 (1) 60 30 5 (2) 15 1 (3) 3. 4. 15.24 129.569 106 12 31 10.57 5. (1) 30 (2) (3) 179

1061231 1051231 $ 6,482,513 $ 4,938,656 10612311.20%~6.50% 10512311.20%~4.57% 561,067 989,976 373,195 326,773-129,964 $ 7,416,775 $ 6,385,369 106 12 31 1051231 $ 50,000 40,000 40,000 36 $ 129,964 1.188%1.208% 1061231 1051231 $ 940,747 $ 1,064,831 186,369 175,447 $ 1,127,116 $ 1,240,278 6% 6 2% 180

3 1061231 1051231 $ 1,259,285 $ 1,381,862 ( 318,538 ) ( 317,031 ) $ 940,747 $ 1,064,831 106 1 1 $ 1,381,862 ( $ 317,031 ) $ 1,064,831 12,016-12,016 16,651 ( 4,002 ) 12,649 28,667 ( 4,002 ) 24,665-936 936 17,769-17,769 ( 74,533 ) - ( 74,533 ) ( 56,764 ) 936 ( 55,828 ) - ( 18,013 ) ( 18,013 ) - ( 3,120 ) ( 3,120 ) ( 22,692 ) 22,692 - ( 71,788 ) - ( 71,788 ) 106 12 31 $ 1,259,285 ( $ 318,538 ) $ 940,747 105 1 1 $ 1,258,805 ( $ 315,522 ) $ 943,283 11,423-11,423 21,513 ( 4,854 ) 16,659 32,936 ( 4,854 ) 28,082-2,667 2,667 55,085-55,085 80,000-80,000 135,085 2,667 137,752 181

$ - ( $ 18,533 ) ( $ 18,533 ) ( 19,211 ) 19,211 - ( 25,753 ) - ( 25,753 ) 105 12 31 $ 1,381,862 ( $ 317,031 ) $ 1,064,831 1061231 1051231 1.75% 1.25% 3.00% 3.00% 1061231 1051231 0.50% ( $ 68,810 ) ( $ 80,000 ) 0.50% $ 74,533 $ 86,973 0.50% $ 73,251 $ 85,034 0.50% ( $ 68,348 ) ( $ 79,088 ) 1 18,746 11.5 ( ) 182

( ) ( ) ( ) 1061231 1051231 4,500,000 4,500,000 $ 45,000,000 $ 45,000,000 3,182,929 3,111,367 $ 31,829,286 $ 31,113,672 10 106 6 15 715,614 71,561 10 31,829,286 105 3 24 6 15 171,101 606,649 78,124 10 31,113,672 ( ) ( ) 105 6 15 30% 183

10% 15% 25% 105 5 25 10510001510 105 107 0.5% 1.0% 106 106 6 15 105 6 15 105 104 105 104 105 104 $ 973,166 $ 1,080,304 129,675 ( 87,191 ) 1,306,774 1,213,297 $ 0.420 $ 0.400 715,614 606,649 0.230 0.200 $ 3,125,229 $ 2,813,059 184

10% 107 3 21 106 $ 856,165 ( 214,292 ) 1,397,306 $ 0.439 892,573 0.271 $ 2,931,752 106 107 6 20 ( ) 106 105 ( $ 344,477 ) ( $ 256,228 ) 408,303 8,290 ( 50,499 ) ( 84,587 ) 9,528 ( 11,952 ) $ 22,855 ( $ 344,477 ) 106 105 $ 7,764,549 $ 7,415,504 1,110,544 908,434 819,965 840,409 101,624 57,580 66,480 276,585 194,769 130,707 10,057,931 9,629,219 185

106 105 $ 3,591,784 $ 2,948,804 445,663 448,622 256,037 218,069 219,021 112,388 140,552 116,914 4,653,057 3,844,797 $ 5,404,874 $ 5,784,422 106 105 $ 1,405,341 $ 1,463,182 1,022,157 1,064,349 951,500 976,659 261,619 238,264 207,110 201,146 3,847,727 3,943,600 173,542 185,269 152,078 165,400 73,154 82,613 65,927 69,655 45,994 43,154 42,091 39,666 142,614 161,226 695,400 746,983 $ 3,152,327 $ 3,196,617 106 105 $ 1,433,686 $ 618,798 160,180 566,152 127,548 52,320 10,803 10,574 $ 1,732,217 $ 1,247,844 186

106 105 $ 2,895,618 $ 2,902,591 236,749 228,686 169,400 186,201 143,343 147,557 123,032 109,782 222,737 218,284 $ 3,790,879 $ 3,793,101 106 105 12 31 2,754 2,776 104 5 105 6 3.5% 4.5% 1.5107 3 21 106 126,300 42,100 106 3 21 105 134,000 44,600 106 105 105 107 106 106 105 $ 220,196 $ 198,246 $ 27,946 $ 28,202 187

106 105 $ 578,778 $ 592,241 440,427 442,110 426,812 431,807 184,352 193,093 164,686 180,089 586,689 620,663 $ 2,381,744 $ 2,460,003 ( ) 106 105 $ 367,768 $ 549,654 ( 3,607 ) 1,354 364,161 551,008 50,823 21,809 ( 1,223 ) ( 801 ) 49,600 21,008 $ 413,761 $ 572,016 106 105 $ 3,267,644 $ 3,815,902 $ 580,792 $ 660,860 ( 153,740 ) ( 231,903 ) ( 373,349 ) ( 269,888 ) 77,010 28,010 ( 69,413 ) ( 63,506 ) 324,786 326,548 365 78,867 29,482 34,143 ( 4,830 ) 553 2,658 8,332 $ 413,761 $ 572,016 188

17% 107 2 17% 20% 107 107 10% 5% 107 106 10% ( ) 1061231 1051231 ( $ 9,491 ) $ 23,418 4,226 - ( $ 5,265 ) $ 23,418 ( ) 106 $ 402,565 ( $ 1,156 ) $ - $ 401,409 158,608 ( 11,589 ) ( 9,491 ) 137,528 ( 43,551 ) ( 3,739 ) - ( 47,290 ) 29,503 ( 5,026 ) 4,226 28,703 547,125 ( 21,510 ) ( 5,265 ) 520,350 87,979 ( 23,827 ) - 64,152 $ 635,104 ( $ 45,337 ) ( $ 5,265 ) $ 584,502 ( $ 14,058 ) ( $ 955 ) $ - ( $ 15,013 ) ( 88 ) ( 3,308 ) - ( 3,396 ) ( $ 14,146 ) ( $ 4,263 ) $ - ( $ 18,409 ) 189

105 $ 380,704 $ 21,861 $ - $ 402,565 137,830 ( 2,640 ) 23,418 158,608 60,935 ( 104,486 ) - ( 43,551 ) 22,415 7,088-29,503 601,884 ( 78,177 ) 23,418 547,125 29,657 58,322-87,979 $ 631,541 ( $ 19,855 ) $ 23,418 $ 635,104 ( $ 12,993 ) ( $ 1,065 ) $ - ( $ 14,058 ) - ( 88 ) - ( 88 ) ( $ 12,993 ) ( $ 1,153 ) $ - ( $ 14,146 ) ( ) 1061231 1051231 106 $ - $ 1,358,998 107 2,178,838 1,863,678 $ 2,178,838 $ 3,222,676 107 $ - $ 30,374 108-108,343 109-53,563 110 4,937 38,085 111 22,380 22,380 112 10,626 10,626 113 1,920 1,920 $ 39,863 $ 265,291 190

( ) 106 12 31 107 $ 2,243,822 110 133,968 $ 2,377,790 108 $ 91,701 109 53,563 110 38,085 111 22,380 112 10,626 113 1,920 $ 218,275 ( ) 1061231 1051231 $ 171,881 106 105 17.94% 107 2 106 ( ) 104 105 106 105 $ 0.90 $ 1.02 $ 0.86 $ 0.98 191

106 105 $ 2,853,883 $ 3,243,886 44,029 27,775 $ 2,897,912 $ 3,271,661 106 105 3,182,929 3,178,878 151,621 141,952 16,289 18,630 3,350,839 3,339,460 105 $ 1.04 $ 1.02 $ 1.00 $ 0.98 192

106 9 106 9 106 9 106 9 106 9 ( ) 106 $ 2,300,000 $ 500,000 $ 2,095 0.20%~0.42% 105 $ 1,000,000 $ - $ 323 0.18%~0.50% 193

( ) 106 3 $ 1,885 $ 1,645 $ 1,645 $ - 21 207,796 193,154 193,154-1,740,000 1,520,000 1,520,000-600,000 600,000 600,000-75,000 75,000 75,000-525,000 - - - 500,000 - - - 450,000 - - - 400,000 - - - 400,000 - - - 200,000 - - - 200,000 - - - 150,000 - - - 100,000 - - - 50,000 - - - $ 2,389,799 $ 2,389,799 $ - 105 4 1,249 $ 1,111 $ 1,111 $ - 20 186,384 181,607 181,607-650,000 500,000 500,000-400,000 400,000 400,000-400,000 200,000 200,000-200,000 200,000 200,000-353,000 132,000 132,000-700,000 - - - 450,000 - - - 350,000 - - - 152,009 - - - 70,000 - - - 14,477 - - - $ 1,614,718 $ 1,614,718 $ - 106 0.90%~2.24% $ 18,138 $ 7,809 105 1.00%~2.30% $ 10,040 $ 1,024 106 105 12 31 24,864 17,055 194

( ) 106 $ 130,000 $ 130,000 $ 1,300 0.50% 30,000 30,000 300 0.60% 70,000 20,000 200 0.50%~0.80% 16,835 16,835 168 0.70%~0.80% 14,100 13,000 130 0.50%~0.80% 3,000 3,000 30 0.60% $ 212,835 $ 2,128 105 130,000 $ 130,000 $ 1,300 0.40% 70,000 70,000 700 0.50% 16,898 15,804 158 0.75% 14,100 14,100 141 0.50% 3,000 3,000 30 0.60% 2,740,000 - - 0.50% $ 232,904 $ 2,329 ( ) 1061231 1051231 $ 10,537 $ 138,694 17,908 - - 17,900 $ 28,445 $ 156,594 ( ) 106 $ 150,000 $ 150,000 $ 150,000 $ 50,000 $39,362,203 $ - 105 $ 50,000 $ 200,000 $ 250,000 $ 100,000 $35,468,690 $ - ( ) 106 106.06.16~ $ 5,671,120 ( $ 8,066 ) $ 48,734 107.06.28 101.09.27~ 111.10.25 966,329 ( 112 ) 11,959 106.11.06~ 1,007,212 5,651 7,391 107.02.26 1,740 106.12.27~ 298,480 ( 458 ) 458 107.02.26 104.05.18~ 225,000 ( 30,224 ) 15,416 108.06.16 630 195

105 105.11.09~ $ 8,102,029 ( $ 19,439 ) $ 112,758 106.12.18 101.09.27~ 627,020 ( 1,029 ) 11,847 111.10.25 105.10.19~ 2,303,185 ( 5,066 ) 30,781 106.03.29 35,847 105.10.27~ 645,580 8,723 8,723 106.02.15 103.04.25~ 615,000 42,589 48,435 108.09.30 3,425 ( ) 1061231 1051231 5% $ 44,426,319 $ 24,317,006 0%-6.08% 0%-6.08% 106 105 $ 228,739 $ 199,576 ( ) 106 105 $ 144,650 $ 192,218 18,534 17,623 $ 163,184 $ 209,841 ( ) 106 105 $ 116,629 $ 75,984 79,068 77,938 46,031 43,349 19,550 45,849 16,801 16,169 $ 278,079 $ 259,289 196

( ) 106 105 $ 166,913 $ 171,595 2,618 1,041 $ 169,531 $ 172,636 1061231 1051231 $ 3,602,186 $ 4,114,890 3,003,045 3,094,036-1,400,000 3 549,240 554,760 $ 7,154,471 $ 9,163,686 3 106 105 12 31 ( ) 1061231 1051231 1 $ 366,779 $ 382,650 1 5 687,092 649,411 5 69,942 56,484 $ 1,123,813 $ 1,088,545 197

( ) 1061231 1051231 $ 5,495,110 $ 6,285,619 14,672 20,068 38,592,345 38,383,352 5,175,789 7,565,124 5,434 5,784 1,240,973 1,338,769 7,942,426 3,421,581 1,513,200 1,153,742 $ 59,979,949 $ 58,174,039 $ 3,158 $ 1,517 189 92 7,942,426 3,421,581 50,359,002 52,134,700 1,675,174 2,616,149 $ 59,979,949 $ 58,174,039 106 105 $ 35,618 $ 31,190 1,640,769 1,557,416 4,851 1,664,286 75 425 19,075 4,084 1,700,388 3,257,401 48,014 35,714 477 446 16,259 10,524 2,177 1,346 1 7 2 7 366,599 1,165,028 433,529 1,213,072 1,266,859 2,044,329 391 318 $ 1,266,468 $ 2,044,011 198

1061231 1051231 $ 5,495,110 $ 6,285,619 14,672 20,068 38,592,345 38,383,352 5,175,789 7,565,124 5,434 5,784 591,940 607,385 25,211 30,386 623,822 700,998 7,942,426 3,421,581 1,513,200 1,153,742 $ 59,979,949 $ 58,174,039 106 105 12 31 1,183,824 980,677 106 10 96 244,563 1061231 1051231 $ 3,389,628 29.848 $ 101,173,616 $ 3,256,564 32.279 $ 105,118,599 506,770 23.260 11,787,470 637,299 23.300 14,849,058 3,013,795 3.819 11,509,685 3,261,708 4.162 13,575,230 1,179,420 4.577 5,398,204 1,186,751 4.623 5,486,351 1,034,693 2.421 2,504,990 785,144 2.368 1,859,222 8,520,437 0.265 2,257,916 12,164,469 0.2758 3,354,961 53,858 35.700 1,922,731 27,205 33.930 923,079 16,429 23.780 390,683 11,470 23.920 274,361 7,809 40.210 314,007 6,994 39.620 277,103 9,076 21.200 192,406 8,836 22.420 198,093 199

1061231 1051231 $ 3,115,364 29.848 $ 92,987,387 $ 3,002,797 32.279 $ 96,927,276 503,348 23.260 11,707,879 639,567 23.300 14,901,908 2,934,977 3.819 11,208,676 3,209,248 4.162 13,356,890 1,181,070 4.577 5,405,758 1,191,479 4.623 5,508,206 1,082,688 2.421 2,621,187 787,715 2.368 1,865,308 8,156,656 0.265 2,161,514 12,098,732 0.2758 3,336,830 53,671 35.700 1,916,045 26,893 33.930 912,484 15,874 23.780 377,478 11,388 23.920 272,392 7,929 40.210 318,839 6,986 39.620 276,802 9,527 21.200 201,970 8,863 22.420 198,718 ( ) 1. 2. (1) 200

(2) (3) ( ) 1. 1061231 $ 5,238,586 $ 5,238,586 $ - $ - 347,783 347,783 - - 15,830,287-15,830,287-50,473 50,473 - - 5,680,038 5,680,038 - - 46,349,663 46,349,663 - - 758,711 758,711 - - 62,523,204-62,523,204 - ( 50,241 ) ( 50,241 ) - - 3,061,166 477 2,950,088 110,601 ( 4,268,880 ) ( 1,668 ) ( 4,263,385 ) ( 3,827 ) $ 135,520,790 $ 58,373,822 $ 77,040,194 $ 106,774 201

1051231 $ 2,303,992 $ 2,303,992 $ - $ - 151,537 151,537 - - 9,343,747-9,343,747-25,673 25,673 - - 15,479,988 15,479,988 - - 33,380,059 33,380,059 - - 449,971 449,971 - - 45,764,676-45,764,676-6,525,168-6,432,394 92,774 ( 7,954,542 ) - ( 7,947,724 ) ( 6,818 ) $ 105,470,269 $ 51,791,220 $ 53,593,093 $ 85,956 2. ReutersBloomberg (1) (2) (3) 202

3. Credit Value Adjustments Debit Value Adjustments (1) CVA (2) DVA Probability of default Loss given default Exposure at default EAD CVA DVA IFRS 13 CVA DVA OTC Mark to Market EAD 4. 106 105 5. (1) 106 $ 92,774 $ 32,470 $ 48,024 $ - ( $ 62,667 ) $ - $ 110,601 203

105 $ 49,599 $ 6,365 $ 63,310 $ - ( $ 26,500 ) $ - $ 92,774 (2) 106 $ 6,818 ( $ 1,198 ) $ 3,481 $ - ( $ 5,274 ) $ - $ 3,827 105 $ 33,331 ( $ 25,888 ) $ 4,625 $ - ( $ 5,250 ) $ - $ 6,818 (3) 106 12 31 $ 110,601 0.80%~3.65% 105 12 31 92,774 0.80%~3.95% 106 12 31 3,827 0.80%~3.65% 105 12 31 6,818 0.80%~3.95% 204

(4) (5) 0.01% 1061231 1051231 $ 2,706 ( $ 2,706 ) $ 4,162 ( $ 4,162 ) 958 ( 958 ) 891 ( 1,241 ) ( ) 106 12 31 $ 2,135,246 $ 2,135,189 $ 2,135,189 $ - 6,677,076 6,669,817-6,669,817 205

105 12 31 $ 2,630,635 $ 2,636,085 $ 2,636,085 $ - 8,170,732 9,173,459-9,173,459 Bloomberg/Reuters ( ) ( ) ( ) 1. 206

2. (1) (2) THE BANKER 207

3. (1) (2) (3) (4) 208

(5) 4. 1061231 1051231 $ 171,589,511 $ 162,293,437 17,455,518 15,740,080 12,171,019 12,467,686 106 12 31 $ 234,344,356 $ 52,712,990 $ 68,883,273 $ 355,940,619 - - 14,786,253 14,786,253-175,516 245,900 421,416 - - 171,589,511 171,589,511 4,592,188 5,387,303 6,529,898 16,509,389 35,601 244,973 665,555 946,129 1,795,770-10,375,249 12,171,019 $ 240,767,915 $ 58,520,782 $ 273,075,639 $ 572,364,336 209

105 12 31 $ 230,469,044 $ 48,949,270 $ 81,577,182 $ 360,995,496 - - 14,551,297 14,551,297-16,640 301,837 318,477 - - 162,293,437 162,293,437 5,221,120 6,578,303 3,479,325 15,278,748 159,241 212,400 89,691 461,332 617,408-11,850,278 12,467,686 $ 236,466,813 $ 55,756,613 $ 274,143,047 $ 566,366,473 5. (1) 1061231 $ 52,415,634 15 41,373,608 12 11,331,381 3 $ 105,120,623 30 1051231 $ 47,528,521 13 45,376,221 12 16,574,108 5 $ 109,478,850 30 210

(2) 1061231 1051231 $ 299,813,491 84 $ 307,583,245 85 30,750,120 9 26,990,916 8 25,377,008 7 26,421,335 7 $ 355,940,619 100 $ 360,995,496 100 (3) 1061231 1051231 $ 121,596,263 34 $ 130,526,452 36 191,379,527 54 187,951,685 52 20,035,658 6 18,964,855 5 19,630,122 5 20,550,499 6 3,299,049 1 3,002,005 1 $ 355,940,619 100 $ 360,995,496 100 6. 211

(1) 106 12 31 ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ ( C ) ( D ) $ 202,127,029 $ 91,546,163 $ 53,657,111 $ 1,464,776 $ 348,795,079 $ 3,604,981 $ 3,540,559 $ 355,940,619 $ 1,005,118 $ 3,878,739 $ 351,056,762 5,553,263 2,525,409 4,676,783 14,347 12,769,802 574,604 1,441,847 14,786,253 469,259 2,209 14,314,785 1,285,406 686,972 4,203,354-6,175,732 2,572 670,909 6,849,213 579,375 68,084 6,201,754 105 12 31 ( A ) (B) ( C ) (A)+(B)+(C) ( D ) (A)+(B)+ ( C ) ( D ) $ 207,852,127 $ 87,441,819 $ 58,099,496 $ 635,880 $ 354,029,322 $ 3,363,202 $ 3,602,972 $ 360,995,496 $ 1,056,636 $ 3,975,188 $ 355,963,672 5,529,000 2,676,250 4,339,389 20,046 12,564,685 416,555 1,570,057 14,551,297 483,675 20,040 14,047,582 1,682,673 538,293 3,547,644 80,821 5,849,431 35,661 1,193,315 7,078,407 532,285 54,282 6,491,840 212

(2) 106 12 31 $ 24,577,665 $ 19,672,117 $ 4,307,119 $ 30,498 $ 48,587,399 9,855,194 39,597,169 45,050,962 1,107,894 95,611,219 156,815,282 9,900,793 617,144-167,333,219 6,506,427 7,654,052 2,574,079 326,384 17,060,942 4,372,461 14,722,032 1,107,807-20,202,300 $ 202,127,029 $ 91,546,163 $ 53,657,111 $ 1,464,776 $ 348,795,079 105 12 31 $ 27,102,963 $ 19,470,393 $ 4,548,635 $ 57,978 $ 51,179,969 21,246,316 36,824,422 49,324,849 346,769 107,742,356 150,338,522 10,060,548 772,051-161,171,121 5,368,660 6,946,249 2,159,774 231,133 14,705,816 3,795,666 14,140,207 1,294,187-19,230,060 $ 207,852,127 $ 87,441,819 $ 58,099,496 $ 635,880 $ 354,029,322 (3) 90 1061231 1 1 3 $ 80,944 $ 154,465 $ 235,409 2,116,878 283,789 2,400,667 485,657 114,219 599,876 344,203 24,826 369,029 3,027,682 577,299 3,604,981 505,595 69,009 574,604-2,572 2,572 213

1051231 1 1 3 $ 136,998 $ 30,282 $ 167,280 1,916,267 323,669 2,239,936 421,283 111,056 532,339 393,739 29,908 423,647 2,868,287 494,915 3,363,202 347,910 68,645 416,555-35,661 35,661 214

(4) (A)+(B)+ ( C ) ( D ) ( D ) (A)+(B)+(C) ( C ) ( A ) (B) 1061231 $ 46,349,663 $ - $ - $ - $ 46,349,663 $ - $ - $ 46,349,663 $ - $ 46,349,663 62,523,204 - - - 62,523,204 - - 62,523,204-62,523,204 2,135,246 - - - 2,135,246 - - 2,135,246-2,135,246 4,009,518 2,667,558 - - 6,677,076 - - 6,677,076-6,677,076 $ 115,017,631 $ 2,667,558 $ - $ - $ 117,685,189 $ - $ - $ 117,685,189 $ - $ 117,685,189 (A)+(B)+ ( C ) ( D ) ( D ) (A)+(B)+(C) ( C ) ( A ) (B) 1051231 $ 33,380,059 $ - $ - $ - $ 33,380,059 $ - $ - $ 33,380,059 $ - $ 33,380,059 45,764,676 - - - 45,764,676 - - 45,764,676-45,764,676 2,630,635 - - - 2,630,635 - - 2,630,635-2,630,635 4,293,107 3,877,625 - - 8,170,732 - - 8,170,732-8,170,732 $ 86,068,477 $ 3,877,625 $ - $ - $ 89,946,102 $ - $ - $ 89,946,102 $ - $ 89,946,102 215

( ) 1. 2. (1) (2) (3) (4) 10 1 2 1 1 3. 216

4. 1061231 030 3190 91 180 1811 1 $ 3,005,470 $ 3,731,384 $ 200,000 $ 23,920 $ - $ 6,960,774 12,943,304 - - - - 12,943,304 3,487,254 1,270,370 604,546 450,368 675,747 6,488,285 193,355,538 85,621,816 64,791,402 105,119,158 23,504,269 472,392,183 1,900 1,617,762-3,500,000 15,100,000 20,219,662 50,241 - - - - 50,241 387,530 98,810 318,781 176,168 6,435,486 7,416,775 $ 213,231,237 $ 92,340,142 $ 65,914,729 $ 109,269,614 $ 45,715,502 $ 526,471,224 1051231 030 3190 91 180 1811 1 $ 2,746,686 $ 4,425,708 $ 200,000 $ 59,800 $ - $ 7,432,194 11,123,910 2,616,656 - - - 13,740,566 2,643,058 1,416,118 659,455 254,321 826,922 5,799,874 182,542,411 102,165,567 57,077,584 94,796,919 16,137,979 452,720,460 1,900-2,000,000 2,000,000 20,349,522 24,351,422 588,098 874,726 193,160 334,651 4,394,770 6,385,405 $ 199,646,063 $ 111,498,775 $ 60,130,199 $ 97,445,691 $ 41,709,193 $ 510,429,921 5. (1) 1061231 0-30 31-90 91-180 181-1 1 $ 4,098 $ 2,077 $ 425 $ 615 $ - $ 7,215 1,894 7,571 312,944 29,936 405,449 757,794 $ 5,992 $ 9,648 $ 313,369 $ 30,551 $ 405,449 $ 765,009 1051231 0-30 31-90 91-180 181-1 1 $ 12,478 $ 27,818 $ 174,810 $ 251,553 $ - $ 466,659 3,333 5,018 8,308 30,465 1,033,124 1,080,248 $ 15,811 $ 32,836 $ 183,118 $ 282,018 $ 1,033,124 $ 1,546,907 217

(2) 1061231 0-30 31-90 91-180 181-1 1 $ 64,250,569 $ 74,585,209 $ 37,070,197 $ 20,639,148 $ 304,920 $ 196,850,043 63,978,148 74,429,371 37,137,723 20,870,950 298,480 196,714,672 - - - 1,498,750-1,498,750 - - - 1,492,400-1,492,400 64,250,569 74,585,209 37,070,197 22,137,898 304,920 198,348,793 63,978,148 74,429,371 37,137,723 22,363,350 298,480 198,207,072 ( $ 272,421 ) ( $ 155,838 ) $ 67,526 $ 225,452 ( $ 6,440 ) ( $ 141,721 ) 1051231 0-30 31-90 91-180 181-1 1 $ 56,032,969 $ 63,547,444 $ 49,863,855 $ 14,881,606 $ - $ 184,325,874 55,418,258 62,769,823 49,113,462 14,890,720-182,192,263-4,357,665-3,744,364-8,102,029-4,313,150-3,695,560-8,008,710 56,032,969 67,905,109 49,863,855 18,625,970-192,427,903 55,418,258 67,082,973 49,113,462 18,586,280-190,200,973 ( $ 614,711 ) ( $ 822,136 ) ( $ 750,393 ) ( $ 39,690 ) $ - ( $ 2,226,930 ) 6. 1061231 0-30 31-90 91-180 181-1 1 $ 12,171,019 $ - $ - $ - $ - $ 12,171,019 171,589,511 - - - - 171,589,511 946,129 - - - - 946,129 9,977,989 5,751,100 102,000 200,000 478,300 16,509,389 $ 194,684,648 $ 5,751,100 $ 102,000 $ 200,000 $ 478,300 $ 201,216,048 1051231 0-30 31-90 91-180 181-1 1 $ 12,467,686 $ - $ - $ - $ - $ 12,467,686 162,293,437 - - - - 162,293,437 461,332 - - - - 461,332 9,531,948 2,117,700 1,090,900 300,000 2,238,200 15,278,748 $ 184,754,403 $ 2,117,700 $ 1,090,900 $ 300,000 $ 2,238,200 $ 190,501,203 ( ) 1. 218

2. 3. (1) DV01 Delta Vega (2) 219

4. (1) (2) DV01 Vega (1) (2) 220

(3) 5. (1) (2) Delta Vega 6. (1) (2) 221

(3) 7. (1) A. B. C. D. (2) A. Interest Rate Factor Sensitivities, DV01 PVBP 1 1 106 1,853 105 733 222

1,083 106 105 12,268 6,318 B. Foreign Exchange Rate Factor Sensitivities, FX Delta 1% 1% 106 374,288 105 510,749 510,924 C. 1% 1% 106 60,783 105 156,397 156,572 106 105 7,587 4,500 8. ( ) 223

1061231 $ 13,528,971 $ 12,921,364 $ 13,528,971 $ 12,921,364 $ 607,607 1051231 $ 14,373,956 $ 13,711,223 $ 14,373,956 $ 13,711,223 $ 662,733 ( ) 1. 1061231 1 2 3 323,017 49,671,241 0.65% 647,700 200.52% 145,293 96,610,855 0.15% 1,284,894 884.35% 4 209,669 118,290,563 0.18% 1,826,450 871.11% - - - - - 5 207,115 20,109,172 1.03% 363,383 175.45% 132,177 66,382,552 0.20% 710,877 537.82% 6 2,634 4,876,236 0.05% 50,553 1,919.24% 1,019,905 355,940,619 0.29% 4,883,857 478.85% 46,132 14,786,253 0.31% 471,468 1,022.00% 7-4,646,743-58,061-1051231 1 2 3 232,624 52,092,197 0.45% 707,670 304.21% 7,586 108,892,478 0.01% 1,494,077 19,695.18% 4 124,823 115,886,536 0.11% 1,778,829 1,425.08% - - - - - 5 216,964 17,910,918 1.20% 349,910 161.28% 108,461 62,490,311 0.17% 663,803 612.02% 6 2,227 3,723,056 0.06% 37,535 1,685.45% 692,685 360,995,496 0.19% 5,031,824 726.42% 52,803 14,551,297 0.36% 503,715 953.95% 7-3,919,067-46,292-1 94 7 6 0944000378 2 3 4 5 94 12 19 09440010950 224

6 7 94 7 19 094000494 3 1061231 1051231 1 88,969 250,530 118,518 333,685 2 721,064 1,076,306 666,969 1,123,821 810,033 1,326,836 785,487 1,457,506 1 95 4 25 09510001270 2 97 9 15 09700318940 105 9 20 10500134790 2. 1061231 3 1 2 1 A 6499 4,194,556 10% 2 B 2859 3,614,918 8% 3 C 6496 3,119,667 7% 4 D 3010 2,743,460 6% 5 E 6499 2,655,873 6% 6 F 0850 2,566,960 6% 7 G 2630 2,359,822 6% 8 H 4210 2,333,686 5% 9 I 2411 2,332,835 5% 10 J 6499 2,279,666 5% 225

1051231 3 1 2 1 A 6499 3,780,495 9% 2 I 2411 3,583,904 9% 3 B 2612 3,486,337 9% 4 J 6499 3,141,637 8% 5 E 6499 2,965,126 7% 6 K 6499 2,676,150 7% 7 D 3010 2,335,580 6% 8 L 5232 2,042,985 5% 9 M 6499 1,994,444 5% 10 F 0850 1,898,585 5% 1 A 2 3 226

3. 106 12 31 91 180 1 90 181 1 1 268,141,068 143,810,222 6,514,486 24,444,616 442,910,392 139,781,032 157,548,328 82,244,155 19,628,693 399,202,208 128,360,036 ( 13,738,106 ) ( 75,729,669 ) 4,815,923 43,708,184 42,786,672 110.95% 102.15% 105 12 31 91 180 181 1 90 1 1 258,717,458 133,530,132 6,469,493 24,469,261 423,186,344 140,578,404 135,403,448 74,587,943 28,377,971 378,947,766 118,139,054 ( 1,873,316 ) ( 68,118,450 ) ( 3,908,710 ) 44,238,578 40,950,877 111.67% 108.03% 1 2 3 4 106 12 31 91 180 181 1 90 1 1 2,188,090 289,348 6,968 480 2,484,886 1,996,952 1,022,244 132,994-3,152,190 191,138 ( 732,896 ) ( 126,026 ) 480 ( 667,304 ) 1,433,485 78.83% ( 46.55% ) 227

105 12 31 91 180 181 1 90 1 1 2,017,759 182,359 52,153 12,792 2,265,063 1,696,474 1,101,851 114,462 54,200 2,966,987 321,285 ( 919,492 ) ( 62,309 ) ( 41,408 ) ( 701,924 ) 1,268,654 76.34% ( 55.33% ) 1 2 3 4 4. 106 105 0.57% 0.69% 0.50% 0.59% 7.80% 9.55% 6.82% 8.12% 27.39% 30.18% 1 2 3 5. (1) 106 12 31 0 10 11 30 31 90 91 180 1811 1 615,404,461 109,522,593 69,866,772 108,263,448 54,146,537 59,583,162 214,021,949 748,567,793 48,174,540 69,271,164 157,563,789 138,649,895 162,691,952 172,216,453 ( 133,163,332 ) 61,348,053 595,608 ( 49,300,341 ) ( 84,503,358 ) ( 103,108,790 ) 41,805,496 105 12 31 0 10 11 30 31 90 91 180 1811 1 588,635,377 86,959,627 58,815,281 92,041,838 85,631,625 65,981,179 199,205,827 725,210,449 41,740,836 66,226,984 147,464,871 152,285,578 163,335,404 154,156,776 ( 136,575,072 ) 45,218,791 ( 7,411,703 ) ( 55,423,033 ) ( 66,653,953 ) ( 97,354,225 ) 45,049,051 228

(2) 106 12 31 1 30 31 90 91 180 1811 1 9,004,471 3,082,670 2,617,797 1,172,558 689,521 1,441,925 9,398,646 3,748,072 3,377,047 881,325 750,334 641,868 ( 394,175 ) ( 665,402 ) ( 759,250 ) 291,233 ( 60,813 ) 800,057 105 12 31 1 30 31 90 91 180 1811 1 8,436,229 2,690,376 1,926,812 1,861,315 834,295 1,123,431 8,740,176 2,822,472 2,692,408 1,628,674 870,594 726,028 ( 303,947 ) ( 132,096 ) ( 765,596 ) 232,641 ( 36,299 ) 397,403 ( ) 1. 2. ( ) 1. 2. 229

106 12 31 39,236,233 39,698,325 - - 11,680,665 12,185,406 50,916,898 51,883,731 320,791,287 322,187,276 - - - - 19,112,088 19,646,350 - - - - 14,948,088 14,948,088 - - 354,851,463 356,781,714 14.35% 14.54% 11.06% 11.13% 11.06% 11.13% 6.06% 6.12% 105 12 31 37,403,214 38,122,066 - - 14,218,654 14,947,886 51,621,868 53,069,952 356,944,620 358,837,133 - - - - 19,249,288 19,910,475 - - - - 16,796,650 16,796,650 - - 392,990,558 395,544,258 13.14% 13.42% 9.52% 9.64% 9.52% 9.64% 5.87% 5.97% 230

1 101 11 26 2 3 (1) (2) 12.5 (3) (4) (5) (6) = IFRS 8 ( ) ( ) ( ) 231

106 $ 4,361,617 $ 2,579,276 ( $ 1,536,019 ) $ 5,404,874 2,225,487 691,003 235,837 3,152,327 291,567 1,441,747 129,741 1,863,055 6,878,671 4,712,026 ( 1,170,441 ) 10,420,256 ( 112,037 ) ( 616,342 ) ( 3,468 ) ( 731,847 ) ( 4,763,104 ) ( 1,315,019 ) ( 342,642 ) ( 6,420,765 ) $ 2,003,530 $ 2,780,665 ( $ 1,516,551 ) $ 3,267,644 105 $ 4,383,170 $ 2,660,002 ( $ 1,258,750 ) $ 5,784,422 2,261,564 722,038 213,015 3,196,617 206,270 1,362,004 198,142 1,766,416 6,851,004 4,744,044 ( 847,593 ) 10,747,455 ( 84,787 ) ( 362,171 ) ( 5,043 ) ( 452,001 ) ( 4,843,972 ) ( 1,285,776 ) ( 349,804 ) ( 6,479,552 ) $ 1,922,245 $ 3,096,097 ( $ 1,202,440 ) $ 3,815,902 ( ) 1. 10% 2. 10% 3. 10% 4. 5. 10% 6. 7. 8. 9. 232

( ) 10% ( ) ( ) 233

106 1 1 12 31 0 14,553-0 214,378 0.03 1 14,553-2 214,378 0.03 1. 0 2. 1 234

106 12 31 3 3 2 1 A $ 137,310 $ 137,310 $ 120,650 6%-10% 1 $ 4,119 - $ 1,207 $ 309,840 $ 300,227 $ 300,227 1 B 27,462 27,462 27,462 6%-10% 1 824-275 52,448 300,227 300,227 1 C 27,462 27,462 27,462 6%-10% 1 824-275 388,349 300,227 300,227 1 1 (1) 0 (2) 1 2 (1) 1 (2) 2 3 (1) (2) (1) (2) 235

106 12 31 2 207 7 88 4 4 14 24 3 207 17 B 5 7 51 2 400 8 2 218 15 3 81 1 5 A 139 3 1 2806 40.00 $ 127,511 $ 749 12,000-12,000 40.00 22.06 1,646,555 102,588 99,440-99,440 22.07 100.00 663,679 36,110 120,000-120,000 100.00 100.00 321,161 80,988 20,000-20,000 100.00 0.40 800-80 - 80 0.40 3.46 2,073-207 - 207 3.46 1.14 45,500-5,938-5,938 1.14 4.99 62,263-6,226-6,226 4.99 10.00 3,000-300 - 300 10.00 100.00 300,227 19,461-100.00 236

106 1 1 12 31 $ 300,227 $ - 100% $ 19,461 ( CNY 4,305 ) $ 19,461 ( CNY 4,305 ) $ - $ - $ 305,110 ( USD 10,000 ) (1) $ 305,110 ( USD 10,000 ) $ 305,110 ( USD 10,000 ) $305,110 (USD 10,000 ) $305,110 (USD 10,000 ) $398,208 (1) (2) (3) - 106 237

238

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股票代碼 :2845 遠東國際商業銀行股份有限公司個體財務報告暨會計師查核報告民國 106 及 105 年度地址 : 台北市敦化南路 2 段 207 號 27 樓電話 :(02)23786868 240

會計師查核報告遠東國際商業銀行股份有限公司公鑒 : 查核意見遠東國際商業銀行股份有限公司民國 106 年及 105 年 12 月 31 日之個體資產負債表, 暨民國 106 年及 105 年 1 月 1 日至 12 月 31 日之個體綜合損益表個體權益變動表個體現金流量表以及個體財務報告附註 ( 包括重大會計政策彙總 ), 業經本會計師查核竣事依本會計師之意見, 上開個體財務報表在所有重大方面係依照公開發行銀行財務報告編製準則編製, 足以允當表達遠東國際商業銀行股份有限公司民國 106 年及 105 年 12 月 31 日之個體財務狀況, 暨民國 106 年及 105 年 1 月 1 日至 12 月 31 日之個體財務績效及個體現金流量查核意見之基礎本會計師係依照會計師查核簽證金融業財務報表規則及一般公認審計準則執行查核工作, 本會計師於該等準則下之責任將於會計師查核個體財務報表之責任段進一步說明本會計師所隸屬事務所受獨立性規範之人員已依會計師職業道德規範, 與遠東國際商業銀行股份有限公司保持超然獨立, 並履行該規範之其他責任本會計師相信已取得足夠及適切之查核證據, 以作為表示查核意見之基礎關鍵查核事項關鍵查核事項係指依本會計師之專業判斷, 對遠東國際商業銀行股份有限公司民國 106 年度個體財務報表之查核最為重要之事項該 241

等事項已於查核個體財務報表整體及形成查核意見之過程中予以因應, 本會計師並不對該等事項單獨表示意見茲對遠東國際商業銀行股份有限公司民國 106 年度個體財務報表之關鍵查核事項敘明如下 : 放款及應收款之備抵呆帳提存截至民國 106 年 12 月 31 日止, 放款及應收款金額合計為 372,591,318 仟元, 佔個體財務報表總資產約 65%, 對個體財務報表整體係屬重大管理階層進行放款及應收款之減損評估時, 需考量未來收回金額及時點未來經濟狀況之變動及擔保品之價值, 其衡量過程中涉及許多判斷及估計且需符合主管機關對於備抵呆帳提列之法令規定由於評估放款及應收款減損涉及會計估計與管理階層之假設等重大判斷, 因是列為民國 106 年度之關鍵查核事項有關放款及應收款減損評估之會計政策及相關資訊請參閱個體財務報表附註四五十十一及四三本會計師執行程序包括 : 1. 瞭解及測試遠東國際商業銀行股份有限公司評估放款及應收款減損攸關之內部控制作業程序 ; 2. 自個別評估減損之放款及應收款案件選取樣本, 評估管理階層對該等放款及應收款對象未來之現金流量之估計及持有擔保品價值之合理性 ; 3. 針對集體評估減損, 驗證其減損模型所採用之假設與重要參數 ( 減損發生率及回收率 ) 是否適當反映實際情形, 並核算減損金額 4. 抽樣檢閱授信檔案, 評估放款及應收款依法令規定分類之合理性, 並核算法定提存之正確性無形資產 - 營業權減損評估截至民國 106 年 12 月 31 日止, 帳列無形資產 - 營業權之餘額為 1,538,210 仟元, 其係遠東國際商業銀行股份有限公司收購其他金融機構業務, 將收購成本依公允價值分攤至相關資產負債後所得依國際會計準則第 36 號公報規定, 管理階層每年或於有減損跡象時評估無 242

形資產 - 營業權之減損評估時管理階層需使用估列相關現金產生單位之未來現金流量以決定營業權之使用價值, 評估過程中將涉及管理階層之重大判斷及估計, 因是列為關鍵查核事項有關無形資產 - 營業權減損評估相關資訊請參閱附註四五及十八本會計師採用本所財務諮詢專家協助執行之程序如下 : 1. 評估管理階層所使用之評價人員之專業資歷適任能力及獨立性, 並驗證評價人員之資格 2. 評估重要參數 ( 例如未來現金流量預測折現率及永續成長率等 ) 之合理性, 並執行敏感度分析 3. 驗證所使用之原始資料 ( 包含存放款平均餘額及成長率存放款利率等 ) 以評估使用資料之正確性及完整性管理階層與治理單位對個體財務報表之責任管理階層之責任係依照公開發行銀行財務報告編製準則允當表達之個體財務報表, 且維持與個體財務報表編製有關之必要內部控制, 以確保個體財務報表未存有導因於舞弊或錯誤之重大不實表達於編製個體財務報表時, 管理階層之責任亦包括評估遠東國際商業銀行股份有限公司繼續經營之能力相關事項之揭露, 以及繼續經營會計基礎之採用, 除非管理階層意圖清算遠東國際商業銀行股份有限公司或停止營業, 或除清算或停業外別無實際可行之其他方案遠東國際商業銀行股份有限公司之治理單位 ( 含審計委員會 ) 負有監督財務報導流程之責任會計師查核個體財務報表之責任本會計師查核個體財務報表之目的, 係對個體財務報表整體是否存有導因於舞弊或錯誤之重大不實表達取得合理確信, 並出具查核報告合理確信係高度確信, 惟依照一般公認審計準則執行之查核工作無法保證必能偵出個體財務報表存有之重大不實表達不實表達可能導因於舞弊或錯誤如不實表達之個別金額或彙總數可合理預期將影響個體財務報表使用者所作之經濟決策, 則被認為具有重大性 243

本會計師依照一般公認審計準則查核時, 運用專業判斷並保持專業上之懷疑本會計師亦執行下列工作 : 1. 辨認並評估個體財務報表導因於舞弊或錯誤之重大不實表達風險 ; 對所評估之風險設計及執行適當之因應對策 ; 並取得足夠及適切之查核證據以作為查核意見之基礎因舞弊可能涉及共謀偽造故意遺漏不實聲明或踰越內部控制, 故未偵出導因於舞弊之重大不實表達之風險高於導因於錯誤者 2. 對與查核攸關之內部控制取得必要之瞭解, 以設計當時情況下之適當查核程序, 惟其目的非對遠東國際商業銀行股份有限公司內部控制之有效性表示意見 3. 評估管理階層所採用會計政策之適當性, 及其所作會計估計與相關揭露之合理性 4. 依據所取得之查核證據, 對管理階層採用繼續經營會計基礎之適當性, 以及使遠東國際商業銀行股份有限公司繼續經營之能力可能產生重大疑慮之事件或情況是否存在重大不確定性, 作出結論本會計師認為該等事件或情況存在重大不確定性, 則須在查核報告中提醒個體財務報表使用者注意個體財務報表之相關揭露, 或於該等揭露係屬不適當時修正查核意見本會計師之結論係以截至查核報告日所取得之查核證據為基礎惟未來事件或情況可能導致遠東國際商業銀行股份有限公司不再具有繼續經營之能力 5. 評估個體財務報表 ( 包括相關附註 ) 之整體表達結構及內容, 以及個體財務報表是否允當表達相關交易及事件 6. 對於遠東國際商業銀行股份有限公司內組成個體之財務資訊取得足夠及適切之查核證據, 以對個體財務報表表示意見本會計師負責查核案件之指導監督及執行, 並負責形成遠東國際商業銀行股份有限公司查核意見本會計師與治理單位溝通之事項, 包括所規劃之查核範圍及時間, 以及重大查核發現 ( 包括於查核過程中所辨認之內部控制顯著缺失 ) 244

本會計師亦向治理單位提供本會計師所隸屬事務所受獨立性規範之人員已遵循會計師職業道德規範中有關獨立性之聲明, 並與治理單位溝通所有可能被認為會影響會計師獨立性之關係及其他事項 ( 包括相關防護措施 ) 本會計師從與治理單位溝通之事項中, 決定對遠東國際商業銀行股份有限公司民國 106 年度個體財務報表查核之關鍵查核事項本會計師於查核報告中敘明該等事項, 除非法令不允許公開揭露特定事項, 或在極罕見情況下, 本會計師決定不於查核報告中溝通特定事項, 因可合理預期此溝通所產生之負面影響大於所增進之公眾利益勤業眾信聯合會計師事務所會計師吳世宗會計師楊承修金融監督管理委員會核准文號金管證審字第 1010028123 號金融監督管理委員會核准文號金管證審字第 0980032818 號中華民國 107 年 3 月 21 日 245

遠東國際商業銀行股份有限公司個體資產負債表民國 106 年及 105 年 12 月 31 日 106 年 12 月 31 日 105 年 12 月 31 日 ( 重編後 ) 代碼資產金額 % 金額 % 11000 現金及約當現金 ( 附註六 ) $ 8,531,125 2 $ 7,277,784 1 11500 存放央行及拆借銀行同業 ( 附註七三七及三八 ) 22,351,083 4 32,744,760 6 12000 透過損益按公允價值衡量之金融資產 ( 附註四五八三七及四二 ) 30,208,333 5 33,830,105 6 12500 附賣回票券及債券投資 ( 附註四九及三七 ) 11,071,393 2 6,396,656 1 13000 應收款項 - 淨額 ( 附註四五十十一三七及四二 ) 21,534,556 4 21,124,237 4 13200 本期所得稅資產 ( 附註四 ) 7,263-3,936-13500 貼現及放款 - 淨額 ( 附註四五十一三七及四二 ) 351,056,762 61 355,963,672 64 14000 備供出售金融資產 ( 附註四五十二二八三八及四二 ) 109,631,578 19 79,594,706 14 14500 持有至到期日金融資產 ( 附註四五十三及四二 ) 2,135,246-2,630,635 1 15000 採用權益法之投資 ( 附註四十四及二八 ) 2,758,906-2,568,315-15513 無活絡市場之債務工具投資 ( 附註四十五及四二 ) 6,677,076 1 8,170,732 1 15597 其他金融資產 - 淨額 ( 附註四十一十六三八及四二 ) 3,495,795 1 4,590,385 1 18500 不動產及設備 - 淨額 ( 附註四及十七 ) 2,882,032 1 2,883,105 1 19000 無形資產 - 淨額 ( 附註四五及十八 ) 1,725,085-1,750,568-19300 遞延所得稅資產 ( 附註四五及三五 ) 546,064-631,415-19500 其他資產 ( 附註四及十九 ) 190,336-214,718-10000 資產總計 $ 574,802,633 100 $ 560,375,729 100 246

單位 : 新臺幣仟元 106 年 12 月 31 日 105 年 12 月 31 日 ( 重編後 ) 代碼負債及權益金額 % 金額 % 21000 央行及銀行同業存款 ( 附註二十 ) $ 6,960,774 1 $ 7,432,194 1 22000 透過損益按公允價值衡量之金融負債 ( 附註四五八二四三七及四二 ) 4,319,121 1 7,954,542 2 22500 附買回票券及債券負債 ( 附註四十二二一三七及四二 ) 12,921,364 3 13,711,223 3 23000 應付款項 ( 附註二二及二七 ) 6,420,726 1 5,719,222 1 23200 本期所得稅負債 ( 附註四 ) 250,254-401,086-23500 存款及匯款 ( 附註二三三七及四二 ) 472,621,114 82 452,904,998 81 24000 應付金融債券 ( 附註四八二四及四二 ) 20,216,664 4 24,309,357 4 25500 其他金融負債 ( 附註二五及四二 ) 6,657,217 1 5,265,429 1 25600 負債準備 ( 附註四十一二六二七及三七 ) 1,127,116-1,240,278-29500 其他負債 ( 附註三五 ) 521,611-486,523-20000 負債總計 532,015,961 93 519,424,852 93 權益 ( 附註四五十二十四及二八 ) 股本 31101 普通股股本 31,829,286 5 31,113,672 5 31501 資本公積 456,426-456,426 - 保留盈餘 32001 法定盈餘公積 6,544,643 1 5,571,477 1 32003 特別盈餘公積 250,703-121,028-32011 未分配盈餘 3,691,412 1 3,916,835 1 32000 保留盈餘總計 10,486,758 2 9,609,340 2 其他權益 32521 國外營運機構財務報表換算之兌換差額 ( 8,653 ) - 115,916-32523 備供出售金融資產未實現評價損益 22,855 - ( 344,477 ) - 32500 其他權益總計 14,202 - ( 228,561 ) - 30000 權益總計 42,786,672 7 40,950,877 7 負債及權益總計 $ 574,802,633 100 $ 560,375,729 100 後附之附註係本個體財務報告之一部分董事長 : 侯金英經理人 : 周添財會計主管 : 陳雲儀 247

遠東國際商業銀行股份有限公司個體綜合損益表民國 106 年及 105 年 1 月 1 日至 12 月 31 日單位 : 新臺幣仟元, 惟每股盈餘為新臺幣元變動 106 年度 105 年度 ( 重編後 ) 百分比代碼金額 % 金額 % (%) 41000 利息收入 ( 附註四二九及三七 ) $ 10,015,147 98 $ 9,612,481 91 4 51000 利息費用 ( 附註四二九及三七 ) 4,632,022 45 3,833,195 36 21 49010 利息淨收益 5,383,125 53 5,779,286 55 ( 7 ) 利息以外淨收益 49100 手續費淨收益 ( 附註四三十及三七 ) 2,893,276 28 2,974,296 28 ( 3 ) 49200 透過損益按公允價值衡量之金融資產及負債利益 ( 附註四二四三一三七及四二 ) 1,732,217 17 1,247,270 12 39 49300 備供出售金融資產之已實現利益 ( 附註四及二八 ) 86,718 1 119,716 1 ( 28 ) 49600 兌換損益 ( 附註四 ) ( 296,415) ( 3) 48,698 1 ( 709 ) 47003 採用權益法認列之子公司及關聯企業利益之份額 ( 附註四 ) 220,435 2 152,061 1 45 49700 資產減損損失 ( 附註四及十六 ) ( 17,009) - ( 20,528) - 17 49800 其他利息以外淨收益 ( 附註二四 ) 198,523 2 218,124 2 ( 9 ) 49020 利息以外淨收益合計 4,817,745 47 4,739,637 45 2 4xxxx 淨收益 10,200,870 100 10,518,923 100 ( 3 ) 58200 提存呆帳費用及保證責任損失 ( 附註四十一及三七 ) 729,425 7 449,158 4 62 營業費用 58500 員工福利費用 ( 附註四二七三二及三七 ) 3,622,151 36 3,628,676 35-59000 折舊及攤銷費用 ( 附註四及三三 ) 244,536 2 223,175 2 10 59500 其他業務及管理費用 ( 附註三四及三七 ) 2,321,429 23 2,407,888 23 ( 4 ) 58400 營業費用合計 6,188,116 61 6,259,739 60 ( 1 ) 61001 稅前淨利 3,283,329 32 3,810,026 36 ( 14 ) 61003 所得稅費用 ( 附註四及三五 ) 429,446 4 566,140 5 ( 24 ) 64000 本年度淨利 2,853,883 28 3,243,886 31 ( 12 ) ( 接次頁 ) 248

( 承前頁 ) 變動 106 年度 105 年度 ( 重編後 ) 百分比其他綜合損益不重分類至損益之項目 65201 確定福利計畫再衡量數 ( 附註四及二七 ) 55,828 1 ( 137,752) ( 1 ) 141 65206 採用權益法認列之子公司及關聯企業其他綜合損益之份額 ( 附註四及十四 ) ( 414) - ( 671) - 38 65220 與不重分類之項目相關之所得稅 ( 附註三五 ) ( 9,491) - 23,418 - ( 141 ) 65200 不重分類至損益之項目合計 45,923 1 ( 115,005) ( 1 ) 140 後續可能重分類至損益之項目 65301 國外營運機構財務報表換算之兌換差額 ( 附註四 ) ( 126,216) ( 1) ( 458) - ( 27,458 ) 65302 備供出售金融資產未實現評價損益 ( 附註四及二八 ) 357,804 3 ( 76,297) ( 1 ) 569 65306 採用權益法認列之子公司及關聯企業其他綜合損益之份額 ( 附註四十四及二八 ) 11,175 - ( 36,701) - 130 65300 後續可能重分類至損益之項目合計 242,763 2 ( 113,456) ( 1 ) 314 65000 本年度其他綜合損益 288,686 3 ( 228,461) ( 2 ) 226 66000 本年度綜合損益總額 $ 3,142,569 31 $ 3,015,425 29 4 每股盈餘 ( 附註三六 ) 67501 基本 $ 0.90 $ 1.02 67701 稀釋 $ 0.86 $ 0.98 後附之附註係本個體財務報告之一部分董事長 : 侯金英經理人 : 周添財會計主管 : 陳雲儀 249

遠東國際商業銀行股份有限公司個體權益變動表民國 106 年及 105 年 1 月 1 日至 12 月 31 日普通股股本資本公積保留代碼 ( 附註二八 ) ( 附註二八 ) 法定盈餘公積 A1 105 年 1 月 1 日餘額 $ 30,332,430 $ 459,918 $ 4,491,173 104 年度盈餘指撥及分配 B1 法定盈餘公積 - - 1,080,304 B3 迴轉特別盈餘公積 - - - B5 現金股利 - 每股 0.400 元 - - - B9 股票股利 - 每股 0.200 元 606,649 - - 606,649-1,080,304 D1 105 年度淨利 - - - D3 105 年度其他綜合損益 - - - D5 105 年度綜合損益總額 - - - N1 員工酬勞轉增資 174,593 ( 3,492 ) - Z1 105 年 12 月 31 日餘額 31,113,672 456,426 5,571,477 105 年度盈餘指撥及分配 B1 法定盈餘公積 - - 973,166 B3 特別盈餘公積 - - - B5 現金股利 - 每股 0.420 元 - - - B9 股票股利 - 每股 0.230 元 715,614 - - 715,614-973,166 D1 106 年度淨利 - - - D3 106 年度其他綜合損益 - - - D5 106 年度綜合損益總額 - - - Z1 106 年 12 月 31 日餘額 $ 31,829,286 $ 456,426 $ 6,544,643 250

單位 : 新臺幣仟元其他權益備供出售金融國外營運資產未實現機構財務評價損益 ( 附註盈餘 ( 附註二八 ) 報表換算之兌換四十二特別盈餘公積未分配盈餘差額 ( 附註四 ) 十四及二八 ) 權益總計 $ 208,219 $ 3,601,013 $ 141,123 ( $ 256,228 ) $ 38,977,648 - ( 1,080,304 ) - - - ( 87,191 ) 87,191 - - - - ( 1,213,297 ) - - ( 1,213,297 ) - ( 606,649 ) - - - ( 87,191 ) ( 2,813,059 ) - - ( 1,213,297 ) - 3,243,886 - - 3,243,886 - ( 115,005 ) ( 25,207 ) ( 88,249 ) ( 228,461 ) - 3,128,881 ( 25,207 ) ( 88,249 ) 3,015,425 - - - - 171,101 121,028 3,916,835 115,916 ( 344,477 ) 40,950,877 - ( 973,166 ) - - - 129,675 ( 129,675 ) - - - - ( 1,306,774 ) - - ( 1,306,774 ) - ( 715,614 ) - - - 129,675 ( 3,125,229 ) - - ( 1,306,774 ) - 2,853,883 - - 2,853,883-45,923 ( 124,569 ) 367,332 288,686-2,899,806 ( 124,569 ) 367,332 3,142,569 $ 250,703 $ 3,691,412 ( $ 8,653 ) $ 22,855 $ 42,786,672 後附之附註係本個體財務報告之一部分董事長 : 侯金英經理人 : 周添財會計主管 : 陳雲儀 251

遠東國際商業銀行股份有限公司個體現金流量表民國 106 年及 105 年 1 月 1 日至 12 月 31 日單位 : 新臺幣仟元 105 年度代碼 106 年度 ( 重編後 ) 營業活動之現金流量 A00010 稅前淨利 $ 3,283,329 $ 3,810,026 A20000 調整項目 A20100 折舊費用 218,094 196,507 A20200 攤銷費用 26,442 26,668 A20300 提存呆帳費用及保證責任損失 1,212,921 1,297,322 A20400 透過損益按公允價值衡量金融資產及負債之淨評價利益 ( 160,180 ) ( 565,578 ) A20900 利息費用 4,632,022 3,833,195 A21200 利息收入 ( 10,015,147 ) ( 9,612,481 ) A21300 股利收入 ( 63,321 ) ( 63,195 ) A24100 未實現外幣兌換損失 ( 利益 ) 395,746 ( 59,675 ) A22400 採用權益法認列之子公司及關聯企業利益之份額 ( 220,435 ) ( 152,062 ) A23100 處分投資利益 ( 1,490 ) - A29900 其他調整項目 ( 91,924 ) ( 17,626 ) A40000 與營業活動相關之資產 / 負債變動數 A41110 存放央行及拆借銀行同業減少 ( 增加 ) 7,092,056 ( 3,531,591 ) A41120 透過損益按公允價值衡量之金融資產減少 3,781,946 6,407,526 A41150 應收款項增加 ( 2,280,507 ) ( 1,778,815 ) A41160 貼現及放款減少 ( 增加 ) 551,765 ( 22,683,826 ) A41170 備供出售金融資產增加 ( 30,236,113 ) ( 52,201,509 ) A41180 持有至到期日金融資產減少 306,249 488,896 A41190 無活絡市場之債務工具投資減少 ( 增加 ) 919,160 ( 966,219 ) A42110 央行及銀行同業存款增加 ( 減少 ) 137,136 ( 5,762,695 ) A42120 透過損益按公允價值衡量之金融負債減少 ( 3,635,415 ) ( 1,633,706 ) A42150 應付款項增加 469,910 1,883,780 A42160 存款及匯款增加 25,822,601 1,477,604 A33000 營運產生之現金流入 ( 流出 ) 2,144,845 ( 79,607,454 ) A33100 收取之利息 9,890,215 9,617,182 A33200 收取之股利 63,321 63,195 A33300 支付之利息 ( 4,318,048 ) ( 3,861,177 ) A33500 支付之所得稅 ( 481,138 ) ( 432,463 ) AAAA 營業活動之淨現金流入 ( 流出 ) 7,299,195 ( 74,220,717 ) ( 接次頁 ) 252

( 承前頁 ) 代碼 106 年度 105 年度 ( 重編後 ) 投資活動之淨現金流入 B01200 取得以成本衡量之金融資產 ( $ 24,950 ) $ - B01300 處分以成本衡量之金融資產 51,496 - B01800 取得採用權益法之投資 ( 28,980 ) - B02700 取得不動產及設備 ( 221,460 ) ( 245,086 ) B02800 處分不動產及設備價款 45 32 B06600 其他金融資產減少 141,506 1,669,139 B06800 其他資產減少 23,423 11,689 B07600 收取子公司及關聯企業之股利 69,585 28,648 BBBB 投資活動之淨現金流入 10,665 1,464,422 籌資活動之現金流量 C01400 發行金融債券 - 4,000,000 C01500 償還金融債券 ( 4,000,000 ) ( 200 ) C02000 附買回票券及債券負債增加 ( 減少 ) ( 434,630 ) 9,968,068 C04100 其他金融負債增加 1,564,984 2,924,284 C04300 其他負債增加 ( 減少 ) 35,088 ( 399,113 ) C04500 發放現金股利 ( 1,306,774 ) ( 1,213,297 ) CCCC 籌資活動之淨現金流入 ( 流出 ) ( 4,141,332 ) 15,279,742 DDDD 匯率變動對現金及約當現金之影響 51,255 ( 990 ) EEEE 本年度現金及約當現金增加 ( 減少 ) 數 3,219,783 ( 57,477,543 ) E00100 年初現金及約當現金餘額 28,255,059 85,732,602 E00200 年底現金及約當現金餘額 $ 31,474,842 $ 28,255,059 個體現金流量表之現金及約當現金餘額與個體資產負債表之相關項目調節如下 : 106 年 12 月 31 日 105 年 12 月 31 日個體資產負債表帳列之現金及約當現金 $ 8,531,125 $ 7,277,784 符合國際會計準則第 7 號現金及約當現金定義之存放央行及拆借銀行同業 11,872,324 14,580,619 符合國際會計準則第 7 號現金及約當現金定義之附賣回票券及債券投資 11,071,393 6,396,656 年底現金及約當現金餘額 $ 31,474,842 $ 28,255,059 後附之附註係本個體財務報告之一部分董事長 : 侯金英經理人 : 周添財會計主管 : 陳雲儀 253

106 105 1 1 12 31 81 1 11 4 11 ( )() ( ) ( ) 106 12 31 55 1 103 1 106 2 6 105 105 105 1 1 12 31 254

107 3 21 ( ) 106 IFRSIASIFRIC SICIFRSs () 107 IFRSs IASB 1 2014-2016 2 IFRS 2 2018 1 1 IFRS 4 IFRS 4 IFRS 9 2018 1 1 IFRS 9 2018 1 1 IFRS 9 IFRS 7 2018 1 1 IFRS 15 2018 1 1 IFRS 15 IFRS 15 2018 1 1 IAS 7 2017 1 1 IAS 12 2017 1 1 IAS 40 2018 1 1 IFRIC 22 2018 1 1 1 2 IFRS 12 2017 1 1 IAS 28 2018 1 1 IFRS 9 IAS 39 IFRS 9 255

1. 2. 106 12 31 IFRS 9 1. IFRS 9 2. IFRS 9 3. IFRS 9 256

4. IFRS 9 IFRS 9 IFRS 15 12 IFRS9 IFRS 9 106 IFRS 9 IFRS 9 107 1 1 1061231 107 1 1 $ 30,208,333 $ 9,905,673 $ 40,114,006 11,071,393 ( 125 ) 11,071,268 257

10711 1061231 $ 351,056,762 ( $ 3,161,799 ) $ 347,894,963 109,631,578 ( 109,631,578 ) - - 109,891,833 109,891,833 2,135,246 ( 2,135,246 ) - - 2,134,976 2,134,976 2,758,906 4,010 2,762,916 6,677,076 ( 6,677,076 ) - 3,495,795 ( 114,232 ) 3,381,563 $ 216,436 1,127,116 55,568 1,182,684 $ 55,568 10,486,758 ( 12,342 ) 10,474,416 14,202 173,210 187,412 $ 160,868 ( ) IASB IFRSs 2015-2017 IFRS 9 IFRS 10 IAS 28 IFRS 16 IFRS 17 IAS 19 IAS 28 IFRIC 23 IASB 1 2019 1 1 2019 1 1 2 2019 1 1 3 2021 1 1 2019 1 1 4 2019 1 1 2019 1 1 1 2 107 1 1 3 106 12 108 1 1 IFRS 16 258

4 2019 1 1 1. IFRS 16 IFRS 16 IAS 17 IFRS 16 IAS 17 IFRS 16 2. IFRS 9 IFRS 9 3. IAS 19 259

( ) ( ) ( ) ( ) ( ) 260

( ) ( ) 261

( ) ( ) ( ) () 262

1. 3 (1) A. B. C. 263

(2) (3) (4) 2. 264

A. B. C. D. (1) (2) 265

(3) 3. 266

1. (1) (2) 2. 267

() () () () 268

() 1. 2. 3. 269

( ) ( ) ( ) ( ) 270

1061231 1051231 $ 2,889,476 $ 3,844,370 2,018,305 983,840 3,623,344 2,449,574 $ 8,531,125 $ 7,277,784 1061231 1051231 $ 125,000 $ 8,325,000 5,281,521 5,672,478 6,272,154 5,864,768 10,353,759 9,839,141 118,969 128,207 199,680 2,915,166 $ 22,351,083 $ 32,744,760 106 105 12 31 7 11,872,324 14,580,619 1061231 1051231 $ 13,979,621 $ 6,913,572 5,238,586 2,303,992 271

1061231 1051231 $ 1,850,666 $ 2,430,175 347,783 151,537 50,473 25,673 21,467,129 11,824,949 950,685 2,614,378 766,433 1,509,128 721,496 1,063,986 296,384 894,369 149,661 214,019 176,507 229,288 3,061,166 6,525,168 5,680,038 15,479,988 $ 30,208,333 $ 33,830,105 $ 50,241 $ - 2,125,712 3,587,781 1,161,278 2,125,383 545,246 823,203 283,706 927,605 80,710 192,576 72,228 297,994 4,268,880 7,954,542 $ 4,319,121 $ 7,954,542 272

1061231 1051231 $ 312,727,831 $ 320,907,855 121,214,106 132,957,199 57,406,578 95,282,700 18,028,192 23,884,949 16,842,966 13,947,329 8,413,280 8,008,710 8,122,800 30,424,500 5,337,816 8,170,732 4,492,400 5,613,950 4,015,800 15,666,104 1,116,080-356,566 1,647,967-189,823 1061231 1051231 $ 7,852,936 $ 5,658,812 2,719,046 300,067 499,411 437,777 $ 11,071,393 $ 6,396,656 107.01.02 106.01.03 107.01.30 106.01.20 $ 11,074,058 $ 6,397,911 1061231 1051231 $ 15,045,932 $ 14,662,176 4,646,743 3,919,067 915,830 761,194 598,100 573,306 569,629 727,793 421,416 318,477 154,944 318,732 273

1061231 1051231 $ 20,229 $ 578,302 305,476 373,933 22,678,299 22,232,980 1,143,743 1,108,743 $ 21,534,556 $ 21,124,237 1061231 1051231 $ 100,576 $ 90,968 69,042,425 79,964,607 124,489,833 124,444,055 161,806,758 156,199,322 501,027 296,544 355,940,619 360,995,496 4,883,857 5,031,824 $ 351,056,762 $ 355,963,672 106 $ 5,031,824 $ 1,108,757 $ 6,140,581 373,153 828,361 1,201,514 ( 466,510 ) ( 743,155 ) ( 1,209,665 ) ( 54,610 ) ( 50,032 ) ( 104,642 ) $ 4,883,857 $ 1,143,931 $ 6,027,788 105 $ 4,532,791 $ 794,747 $ 5,327,538 797,071 508,647 1,305,718 ( 284,943 ) ( 190,894 ) ( 475,837 ) ( 13,095 ) ( 3,743 ) ( 16,838 ) $ 5,031,824 $ 1,108,757 $ 6,140,581 274

106 105 $ 373,153 $ 797,071 828,361 508,647 11,407 ( 8,396 ) 257,773 601,852 225,723 246,312 $ 729,425 $ 449,158 106 105 1061231 1051231 $ 1,603,535 $ 563,826 $ 1,602,953 $ 632,201 1,937,024 441,292 2,000,020 424,435 3,193,736 31,937 5,553,075 55,531 349,206,324 3,846,802 351,839,448 3,919,657 $ 355,940,619 $ 4,883,857 $ 360,995,496 $ 5,031,824 1061231 1051231 $ 652,463 $ 575,640 $ 1,147,723 $ 500,100 1,465,738 493,309 1,626,539 529,476 8,340,265-10,889,199-18,842,391 74,982 17,688,134 79,181 $ 29,300,857 $ 1,143,931 $ 31,351,595 $ 1,108,757 1061231 1051231 $ 62,523,204 $ 45,764,676 23,884,945 11,920,299 21,006,259 20,523,215 1,458,459 936,545 709,311 449,971 49,400 - $ 109,631,578 $ 79,594,706 275

1061231 1051231 $ 12,366,170 $ 13,437,411 $ 1,162,801 $ 936,545 1061231 1051231 $ 1,479,602 $ 1,924,971 655,644 705,664 $ 2,135,246 $ 2,630,635 1061231 1051231 $ 984,840 $ 866,095 1,774,066 1,702,220 $ 2,758,906 $ 2,568,315 ( ) 1061231 1051231 $ 663,679 100.00 $ 625,922 100.00 321,161 100.00 240,173 100.00 $ 984,840 $ 866,095 ( ) 1061231 1051231 $ 1,646,555 22.06 $ 1,604,159 22.06 127,511 40.00 98,061 40.00 $ 1,774,066 $ 1,702,220 106 9 28,980 276

106 105 $ 103,337 $ 85,454 9,114 ( 12,623 ) $ 112,451 $ 72,831 1061231 1051231 $ 5,337,816 $ 8,170,732 742,300-596,960 - $ 6,677,076 $ 8,170,732 1061231 1051231 $ 261 $ 80 188 14 73 66 2,231,905 3,279,551 600,941 600,307 3 549,240 554,760 113,636 155,701 $ 3,495,795 $ 4,590,385 1061231 1051231 $ 62,263 $ 54,322 45,500 45,500 3,000 3,000 2,073 2,073 800 800-50,006 $ 113,636 $ 155,701 277

106 7 51,496 1,490 106 9 105 8 17,009 20,528 106 9 24,950 106 $ 1,581,625 $ 1,247,533 $ 1,584,981 $ 3,364 $ 1,480,245 $ 31,495 $ 5,929,243-1,130 143,251 67 50,141 26,871 221,460 - ( 811 ) ( 57,083 ) ( 889 ) ( 69,125 ) - ( 127,908 ) - - 43,343 - ( 7,037 ) ( 41,801 ) ( 5,495 ) 1,581,625 1,247,852 1,714,492 2,542 1,454,224 16,565 6,017,300-601,642 1,151,444 3,202 1,289,850-3,046,138-23,721 129,477 106 64,790-218,094 - ( 808 ) ( 56,979 ) ( 888 ) ( 66,249 ) - ( 124,924 ) - - 1,753 - ( 5,793 ) - ( 4,040 ) - 624,555 1,225,695 2,420 1,282,598-3,135,268 $ 1,581,625 $ 623,297 $ 488,797 $ 122 $ 171,626 $ 16,565 $ 2,882,032 105 $ 1,581,625 $ 1,246,142 $ 1,457,085 $ 4,136 $ 1,432,483 $ 25,776 $ 5,747,247-1,391 112,409-63,715 67,571 245,086 - - ( 42,913 ) ( 772 ) ( 17,623 ) - ( 61,308 ) - - 58,400-1,670 ( 61,852 ) ( 1,782 ) 1,581,625 1,247,533 1,584,981 3,364 1,480,245 31,495 5,929,243-577,275 1,086,408 3,874 1,245,526-2,913,083-24,367 109,119 100 62,921-196,507 - - ( 42,850 ) ( 772 ) ( 17,516 ) - ( 61,138 ) - - ( 1,233 ) - ( 1,081 ) - ( 2,314 ) - 601,642 1,151,444 3,202 1,289,850-3,046,138 $ 1,581,625 $ 645,891 $ 433,537 $ 162 $ 190,395 $ 31,495 $ 2,883,105 555 37 37 220 1061231 1051231 $ 1,538,210 $ 1,538,210 428,887 428,887 1,967,097 1,967,097 242,012 216,529 $ 1,725,085 $ 1,750,568 278

99 4 B 4 15 106 105 1061231 1051231 $ 158,254 $ 176,125 32,082 38,593 $ 190,336 $ 214,718 1061231 1051231 $ 6,601,520 $ 7,120,246 231,834 273,147 127,420 38,801 $ 6,960,774 $ 7,432,194 1061231 1051231 $ 11,785,554 $ 12,778,986 1,135,810 932,237 $ 12,921,364 $ 13,711,223 107.01.08 106.01.06 107.02.05 106.02.13 $ 12,943,304 $ 13,740,566 279

1061231 1051231 $ 2,018,305 $ 983,840 1,205,134 1,211,986 963,379 688,472 898,253 1,584,075 421,416 318,477 267,124 161,044 647,115 771,328 $ 6,420,726 $ 5,719,222 1061231 1051231 $ 2,913,365 $ 2,565,514 71,829,323 61,026,279 63,329,655 62,602,212 80,875,765 84,813,962 6,387,500 16,898,500 246,953,099 224,976,525 332,407 22,006 $ 472,621,114 $ 452,904,998 1061231 1051231 $ 18,601,900 $ 22,601,900 1,614,764 1,707,457 $ 20,216,664 $ 24,309,357 1061231 1051231 99 1 7 99.05.18106.05.18 05.18 $ - $ 2,000,000 2.98% 99 2 7 99.09.29106.09.29 09.29-2,000,000 2.10% 100 1 7 100.11.10107.11.10 11.10 3,500,000 3,500,000 1.95% 101 1 7 101.06.27108.06.27 06.27 3,000,000 3,000,000 1.75% 102 1 7 102.11.06109.11.06 11.06 4,000,000 4,000,000 2.10% 103 1 7 103.12.23110.12.23 12.23 1,100,000 1,100,000 2.05% 104 1 7 104.09.30111.09.30 09.30 1.95% 3,000,000 3,000,000 280

1061231 1051231 105 1 7 105.09.27112.09.27 09.27 $ 4,000,000 $ 4,000,000 1.55% 94 1-1 101.06.28 1,660 1,660 7 91 1-1 98.06.28 240 240 7 $ 18,601,900 $ 22,601,900 102 2 7 5 150,000 200 0% 4,009,661 471,589 38,252 2.63% 433,337 ( ) 101.89% ( ) 1. 30 30 20 130% 0.375% 2. 90% 3. 281

( ) 1. 2. 41 10 (1) 60 30 5 (2) 15 1 (3) 3. 4. 15.24 129.569 106 12 31 10.57 5. (1) 30 (2) (3) 282

1061231 1051231 $ 6,482,513 $ 4,938,656 174,704 326,773 $ 6,657,217 $ 5,265,429 1061231 1051231 $ 940,747 $ 1,064,831 186,369 175,447 $ 1,127,116 $ 1,240,278 6% 6 2% 3 1061231 1051231 $ 1,259,285 $ 1,381,862 ( 318,538 ) ( 317,031 ) $ 940,747 $ 1,064,831 283

106 1 1 $ 1,381,862 ( $ 317,031 ) $ 1,064,831 12,016-12,016 16,651 ( 4,002 ) 12,649 28,667 ( 4,002 ) 24,665-936 936 17,769-17,769 ( 74,533 ) - ( 74,533 ) ( 56,764 ) 936 ( 55,828 ) - ( 18,013 ) ( 18,013 ) - ( 3,120 ) ( 3,120 ) ( 22,692 ) 22,692 - ( 71,788 ) - ( 71,788 ) 106 12 31 $ 1,259,285 ( $ 318,538 ) $ 940,747 105 1 1 $ 1,258,805 ( $ 315,522 ) $ 943,283 11,423-11,423 21,513 ( 4,854 ) 16,659 32,936 ( 4,854 ) 28,082-2,667 2,667 55,085-55,085 80,000-80,000 135,085 2,667 137,752 - ( 18,533 ) ( 18,533 ) ( 19,211 ) 19,211 - ( 25,753 ) - ( 25,753 ) 105 12 31 $ 1,381,862 ( $ 317,031 ) $ 1,064,831 1061231 1051231 1.75% 1.25% 3.00% 3.00% 284

1061231 1051231 0.50% ( $ 68,810 ) ( $ 80,000 ) 0.50% $ 74,533 $ 86,973 0.50% $ 73,251 $ 85,034 0.50% ( $ 68,348 ) ( $ 79,088 ) 1 18,746 11.5 ( ) ( ) ( ) ( ) 1061231 1051231 4,500,000 4,500,000 $ 45,000,000 $ 45,000,000 3,182,929 3,111,367 $ 31,829,286 $ 31,113,672 285

10 106 6 15 715,614 71,561 10 31,829,286 105 3 24 6 15 171,101 606,649 78,124 10 31,113,672 ( ) ( ) 105 6 15 30% 10% 15% 25% 286

105 5 25 10510001510 105 107 0.5% 1.0% 106 106 6 15 105 6 15 105 104 105 104 105 104 $ 973,166 $ 1,080,304 129,675 ( 87,191 ) 1,306,774 1,213,297 $ 0.420 $ 0.400 715,614 606,649 0.230 0.200 $ 3,125,229 $ 2,813,059 10% 107 3 21 106 $ 856,165 ( 214,292 ) 1,397,306 $ 0.439 892,573 0.271 $ 2,931,752 106 107 6 20 287

( ) 106 105 ( $ 344,477 ) ( $ 256,228 ) 408,303 8,290 ( 50,499 ) ( 84,587 ) 9,528 ( 11,952 ) $ 22,855 ( $ 344,477 ) 106 105 $ 7,764,549 $ 7,415,504 1,110,544 908,434 819,965 840,409 101,624 57,580 66,480 276,585 151,985 113,969 10,015,147 9,612,481 $ 3,592,592 $ 2,949,270 445,663 448,622 256,037 218,069 219,021 112,388 118,709 104,846 4,632,022 3,833,195 $ 5,383,125 $ 5,779,286 106 105 $ 1,405,341 $ 1,463,182 1,018,169 1,061,084 951,500 976,659 288

106 105 $ 196,494 $ 195,069 3,571,504 3,695,994 173,542 185,269 152,078 165,400 73,154 82,613 65,927 69,655 45,994 43,154 42,091 39,666 125,442 135,941 678,228 721,698 $ 2,893,276 $ 2,974,296 106 105 $ 1,433,686 $ 618,798 160,180 565,578 127,548 52,320 10,803 10,574 $ 1,732,217 $ 1,247,270 106 105 $ 2,746,904 $ 2,754,279 227,211 220,795 168,400 178,600 137,544 142,585 123,032 109,782 219,060 222,635 $ 3,622,151 $ 3,628,676 289

106 105 12 31 2,661 2,655 104 5 105 6 3.54.5 1.5107 3 21 106 126,300 42,100 106 3 21 105 134,000 44,600 106 105 105 107 106 106 105 $ 218,094 $ 196,507 $ 26,442 $ 26,668 106 105 $ 572,816 $ 586,834 426,134 440,588 412,911 412,122 177,660 186,782 162,669 178,361 569,239 603,201 $ 2,321,429 $ 2,407,888 290

( ) 106 105 $ 357,293 $ 542,602 ( 3,707 ) 1,354 353,586 543,956 76,983 22,985 ( 1,123 ) ( 801 ) 75,860 22,184 $ 429,446 $ 566,140 106 105 $ 3,283,329 $ 3,810,026 $ 558,166 $ 647,704 ( 153,740 ) ( 231,903 ) ( 373,349 ) ( 269,889 ) 76,999 27,999 ( 31,091 ) ( 57,742 ) 324,786 326,548 365 78,867 29,482 34,143 ( 4,830 ) 553 2,658 9,860 $ 429,446 $ 566,140 17% 107 2 17% 20% 107 107 10% 5% 107 106 10% ( ) 1061231 1051231 ( $ 9,491 ) $ 23,418 291

( ) 106 $ 400,496 ( $ 1,757 ) $ - $ 398,739 158,608 ( 11,589 ) ( 9,491 ) 137,528 ( 43,551 ) ( 3,739 ) - ( 47,290 ) 28,463 ( 5,198 ) - 23,265 544,016 ( 22,283 ) ( 9,491 ) 512,242 87,399 ( 53,577 ) 33,822 $ 631,415 ( $ 75,860 ) ( $ 9,491 ) $ 546,064 105 $ 379,836 $ 20,660 $ - $ 400,496 137,830 ( 2,640 ) 23,418 158,608 60,935 ( 104,486 ) - ( 43,551 ) 21,923 6,540-28,463 600,524 ( 79,926 ) 23,418 544,016 29,657 57,742-87,399 $ 630,181 ( $ 22,184 ) $ 23,418 $ 631,415 ( ) 1061231 1051231 106 $ - $ 1,358,998 107 2,178,838 1,863,678 $ 2,178,838 $ 3,222,676 ( ) 106 12 31 107 $ 2,243,822 110 133,968 $ 2,377,790 292

( ) 1061231 1051231 $ 171,881 106 105 17.94% 107 2 106 ( ) 104 106 105 $ 0.90 $ 1.02 $ 0.86 $ 0.98 106 105 $ 2,853,883 $ 3,243,886 44,029 27,775 $ 2,897,912 $ 3,271,661 106 105 3,182,929 3,178,878 151,621 141,952 16,289 18,630 3,350,839 3,339,460 293

105 $ 1.04 $ 1.02 $ 1.00 $ 0.98 106 9 294

106 9 106 9 106 9 106 9 ( ) 106 $ 2,300,000 $ 500,000 $ 2,095 0.20%~0.42% 105 $ 1,000,000 $ - $ 323 0.18%~0.50% ( ) 106 3 $ 1,885 $ 1,645 $ 1,645 $ - 21 207,796 193,154 193,154-1,740,000 1,520,000 1,520,000-600,000 600,000 600,000-75,000 75,000 75,000-525,000 - - - 500,000 - - - 450,000 - - - 400,000 - - - 400,000 - - - 200,000 - - - 200,000 - - - 150,000 - - - 100,000 - - - 50,000 - - - $ 2,389,799 $ 2,389,799 $ - 105 4 $ 1,249 $ 1,111 $ 1,111 $ - 20 186,384 181,607 181,607-295

$ 650,000 $ 500,000 $ 500,000 $ - 400,000 400,000 400,000-400,000 200,000 200,000-200,000 200,000 200,000-353,000 132,000 132,000-700,000 - - - 450,000 - - - 350,000 - - - 152,009 - - - 70,000 - - - 14,477 - - - $ 1,614,718 $ 1,614,718 $ - 106 0.90%~2.24% $ 18,138 $ 7,809 105 1.00%~2.30% $ 10,040 $ 1,024 106 105 12 31 24,864 17,055 ( ) 106 $ 130,000 $ 130,000 $ 1,300 0.50% 30,000 30,000 300 0.60% 70,000 20,000 200 0.50%~0.80% 16,835 16,835 168 0.70%~0.80% 14,100 13,000 130 0.50%~0.80% 3,000 3,000 30 0.60% $ 212,835 $ 2,128 105 $ 130,000 $ 130,000 $ 1,300 0.40% 70,000 70,000 700 0.50% 16,898 15,804 158 0.75% 14,100 14,100 141 0.50% 3,000 3,000 30 0.60% 2,740,000 - - 0.50% $ 232,904 $ 2,329 296

( ) 1061231 1051231 $ 10,537 $ 138,694 17,908 - - 17,900 $ 28,445 $ 156,594 ( ) 106 $ 150,000 $ 150,000 $ 150,000 $ 50,000 $39,362,203 $ - 105 $ 50,000 $ 200,000 $ 250,000 $ 100,000 $35,468,690 $ - ( ) 106 106.06.16~ $ 5,671,120 ( $ 8,066 ) $ 48,734 107.06.28 101.09.27~ 111.10.25 966,329 ( 112 ) 11,959 106.11.06~ 1,007,212 5,651 7,391 107.02.26 1,740 106.12.27~ 107.02.26 298,480 ( 458 ) 458 104.05.18~ 108.06.16 225,000 ( 30,224 ) 15,416 630 105 105.11.09~ 106.12.18 101.09.27~ 111.10.25 105.10.19~ 106.03.29 105.10.27~ 106.02.15 103.04.25~ 108.09.30 8,102,029 ( 19,439 ) 627,020 ( 1,029 ) 2,303,185 ( 5,066 ) 645,580 8,723 615,000 42,589 112,758 11,847 30,781 35,847 8,723 48,435 3,425 297

( ) 1061231 1051231 5% $ 44,655,250 $ 24,501,544 0%-6.08% 0%-6.08% 106 105 $ 229,547 $ 200,042 ( ) 106 105 $ 144,650 $ 192,218 18,534 17,623 $ 163,184 $209,841 ( ) 106 105 $ 116,629 75,984 79,068 77,938 46,031 43,349 19,550 45,849 16,801 16,169 $ 278,079 $259,289 ( ) 106 105 $166,789 $ 175,028 2,619 1,041 $ 169,408 $ 176,069 298

1061231 1051231 $ 3,602,186 $ 4,114,890 3,003,045 3,094,036-1,400,000 3 549,240 554,760 $ 7,154,471 $ 9,163,686 3 106 105 12 31 ( ) 1061231 1051231 1 $ 342,253 $ 353,281 1 5 613,042 556,851 5 69,942 52,688 $ 1,025,237 $ 962,820 ( ) 1061231 1051231 $ 5,495,110 $ 6,285,619 14,672 20,068 38,592,345 38,383,352 5,175,789 7,565,124 299

1061231 1051231 $ 5,434 $ 5,784 1,240,973 1,338,769 7,942,426 3,421,581 1,513,200 1,153,742 $ 59,979,949 $ 58,174,039 $ 3,158 $ 1,517 189 92 7,942,426 3,421,581 50,359,002 52,134,700 1,675,174 2,616,149 $ 59,979,949 $ 58,174,039 106 105 $ 35,618 $ 31,190 1,640,769 1,557,416 4,851 1,664,286 75 425 19,075 4,084 1,700,388 3,257,401 48,014 35,714 477 446 16,259 10,524 2,177 1,346 1 7 2 7 366,599 1,165,028 433,529 1,213,072 1,266,859 2,044,329 391 318 $ 1,266,468 $ 2,044,011 300

1061231 1051231 $ 5,495,110 $ 6,285,619 14,672 20,068 38,592,345 38,383,352 5,175,789 7,565,124 5,434 5,784 591,940 607,385 25,211 30,386 623,822 700,998 7,942,426 3,421,581 1,513,200 1,153,742 $ 59,979,949 $ 58,174,039 106 105 12 31 1,183,824 980,677 106 10 96 244,563 1061231 1051231 $ 3,388,695 29.848 $ 101,145,768 $ 3,255,484 32.279 $ 105,083,784 506,714 23.260 11,786,167 637,299 23.300 14,849,058 3,013,795 3.819 11,509,685 3,261,708 4.162 13,575,230 1,179,420 4.577 5,398,204 1,186,751 4.623 5,486,351 1,033,761 2.421 2,502,734 785,144 2.368 1,859,222 8,520,437 0.265 2,257,916 12,164,469 0.2758 3,354,961 53,858 35.700 1,922,731 27,205 33.930 923,079 16,429 23.780 390,683 11,470 23.920 274,361 7,809 40.210 314,007 6,994 39.620 277,103 9,076 21.200 192,406 8,836 22.420 198,093 301

1061231 1051231 $ 3,106,392 29.848 $ 92,719,590 $ 3,002,359 32.279 $ 96,913,159 503,321 23.260 11,707,251 639,567 23.300 14,901,908 2,934,977 3.819 11,208,676 3,209,248 4.162 13,356,890 1,181,070 4.577 5,405,758 1,191,479 4.623 5,508,206 1,082,141 2.421 2,619,863 787,715 2.368 1,865,308 8,156,656 0.265 2,161,514 12,098,732 0.2758 3,336,830 53,671 35.700 1,916,045 26,893 33.930 912,484 15,874 23.780 377,478 11,388 23.920 272,392 7,929 40.210 318,839 6,986 39.620 276,802 9,527 21.200 201,970 8,863 22.420 198,718 ( ) 1. 2. (1) 302

(2) (3) ( ) 1. 1061231 $ 5,238,586 $ 5,238,586 $ - $ - 347,783 347,783 - - 15,830,287-15,830,287-50,473 50,473 - - 5,680,038 5,680,038 - - 46,349,663 46,349,663 - - 758,711 758,711 - - 62,523,204-62,523,204 - ( 50,241 ) ( 50,241 ) - - 3,061,166 477 2,950,088 110,601 ( 4,268,880 ) ( 1,668) ( 4,263,385 ) ( 3,827 ) $ 135,520,790 $ 58,373,822 $ 77,040,194 $ 106,774 303

(3) 3. Credit Value Adjustments Debit Value Adjustments (1) CVA (2) DVA Probability of default Loss given default Exposure at default EAD CVA DVA IFRS 13 CVA DVA OTC Mark to Market EAD 4. 106 105 305

5. (1) 106 $ 92,774 $ 32,470 $ 48,024 $ - ( $ 62,667 ) $ - $ 110,601 105 $ 49,599 $ 6,365 $ 63,310 $ - ( $ 26,500 ) $ - $ 92,774 (2) 106 $ 6,818 ( $ 1,198 ) $ 3,481 $ - ( $ 5,274 ) $ - $ 3,827 105 $ 33,331 ( $ 25,888 ) $ 4,625 $ - ( $ 5,250 ) $ - $ 6,818 (3) 106 12 31 $ 110,601 0.80%~3.65% 105 12 31 92,774 0.80%~3.95% 306

106 12 31 $ 3,827 0.80%~3.65% 105 12 31 6,818 0.80%~3.95% (4) (5) 0.01% 106 12 31 105 12 31 $ 2,706 ( $ 2,706 ) $ 4,162 ( $ 4,162 ) 958 ( 958 ) 891 ( 1,241 ) 307

( ) 106 12 31 $ 2,135,246 $ 2,135,189 $ 2,135,189 $ - 6,677,076 6,669,817-6,669,817 105 12 31 $ 2,630,635 $ 2,636,085 $ 2,636,085 $ - 8,170,732 9,173,459-9,173,459 Bloomberg/Reuters ( ) ( ) 308

( ) 1. 2. (1) 309

(2) THE BANKER 3. (1) 310

(2) (3) (4) (5) 4. 1061231 1051231 $ 171,589,511 $ 162,293,437 17,455,518 15,740,080 12,171,019 12,467,686 311

106 12 31 $ 234,344,356 $ 52,712,990 $ 68,883,273 $ 355,940,619 - - 14,786,253 14,786,253-175,516 245,900 421,416 - - 171,589,511 171,589,511 4,592,188 5,387,303 6,529,898 16,509,389 35,601 244,973 665,555 946,129 1,795,770-10,375,249 12,171,019 $ 240,767,915 $ 58,520,782 $ 273,075,639 $ 572,364,336 105 12 31 $ 230,469,044 $ 48,949,270 $ 81,577,182 $ 360,995,496 - - 14,551,297 14,551,297-16,640 301,837 318,477 - - 162,293,437 162,293,437 5,221,120 6,578,303 3,479,325 15,278,748 159,241 212,400 89,691 461,332 617,408-11,850,278 12,467,686 $ 236,466,813 $ 55,756,613 $ 274,143,047 $ 566,366,473 5. (1) 1061231 $ 52,415,634 15 41,373,608 12 11,331,381 3 $ 105,120,623 30 312

1051231 $ 47,528,521 13 45,376,221 12 16,574,108 5 $ 109,478,850 30 (2) 1061231 1051231 $299,813,491 84 $ 307,583,245 85 30,750,120 9 26,990,916 8 25,377,008 7 26,421,335 7 $ 355,940,619 100 $ 360,995,496 100 (3) 1061231 1051231 $ 121,596,263 34 $ 130,526,452 36 191,379,527 54 187,951,685 52 20,035,658 6 18,964,855 5 19,630,122 5 20,550,499 6 3,299,049 1 3,002,005 1 $ 355,940,619 100 $ 360,995,496 100 6. 313

314 (1) 106 12 31 ( D ) (A)+(B)+ ( C ) ( D ) (A)+(B)+(C) ( C ) ( A ) (B) $ 202,127,029 $ 91,546,163 $ 53,657,111 $ 1,464,776 $ 348,795,079 $ 3,604,981 $ 3,540,559 $ 355,940,619 $ 1,005,118 $ 3,878,739 $ 351,056,762 5,553,263 2,525,409 4,676,783 14,347 12,769,802 574,604 1,441,847 14,786,253 469,259 2,209 14,314,785 640,792 686,972 3,656,223-4,983,987 2,572 665,798 5,652,357 574,264 60,874 5,017,219 105 12 31 ( D ) (A)+(B)+ ( C ) ( D ) (A)+(B)+(C) ( C ) ( A ) (B) $ 207,852,127 $ 87,441,819 $ 58,099,496 $ 635,880 $ 354,029,322 $ 3,363,202 $ 3,602,972 $ 360,995,496 $ 1,056,636 $ 3,975,188 $355,963,672 5,529,000 2,676,250 4,339,389 20,046 12,564,685 416,555 1,570,057 14,551,297 483,675 20,040 14,047,582 337,658 510,555 3,272,849 80,821 4,201,883 35,661 1,188,204 5,425,748 527,174 49,477 4,849,097

1051231 1 1 3 $ 136,998 $ 30,282 $ 167,280 1,916,267 323,669 2,239,936 421,283 111,056 532,339 393,739 29,908 423,647 2,868,287 494,915 3,363,202 347,910 68,645 416,555-35,661 35,661 316

(4) (A)+(B)+ (C) (D) ( D ) (A)+(B)+(C) ( C ) ( A ) (B) 106 12 31 $ 46,349,663 $ - $ - $ - $ 46,349,663 $ - $ - $ 46,349,663 $ - $ 46,349,663 62,523,204 - - - 62,523,204 - - 62,523,204-62,523,204 2,135,246 - - - 2,135,246 - - 2,135,246-2,135,246 4,009,518 2,667,558 - - 6,677,076 - - 6,677,076-6,677,076 $115,017,631 $ 2,667,558 $ - $ - $117,685,189 $ - $ - $117,685,189 $ - $117,685,189 - (A)+(B)+ (C) (D) ( D ) (A)+(B)+(C) ( C ) ( A ) (B) 105 12 31 $ 33,380,059 $ - $ - $ - $ 33,380,059 $ - $ - $ 33,380,059 $ - $ 33,380,059 45,764,676 - - - 45,764,676 - - 45,764,676-45,764,676 2,630,635 - - - 2,630,635 - - 2,630,635-2,630,635 4,293,107 3,877,625 - - 8,170,732 - - 8,170,732-8,170,732 $ 86,068,477 $ 3,877,625 $ - $ - $ 89,946,102 $ - $ - $ 89,946,102 $ - $ 89,946,102 317

( ) 1. 2. (1) (2) (3) (4) 10 1 2 1 1 3. 318

4. 106 12 31 0-30 31-90 91-180 181-1 1 $ 3,005,470 $ 3,731,384 $ 200,000 $ 23,920 $ - $ 6,960,774 12,943,304 - - - - 12,943,304 3,485,320 1,270,370 604,547 450,368 610,121 6,420,726 193,514,469 85,691,816 64,791,402 105,119,158 23,504,269 472,621,114 1,900 1,617,762-3,500,000 15,100,000 20,219,662 50,241 - - - - 50,241 277,530 70,990 193,172 41,586 6,073,939 6,657,217 213,278,234 92,382,322 65,789,121 109,135,032 45,288,329 525,873,038 105 12 31 0-30 31-90 91-180 181-1 1 $ 2,746,686 $ 4,425,708 $ 200,000 $ 59,800 $ - $ 7,432,194 11,123,910 2,616,656 - - - 13,740,566 2,643,058 1,414,996 659,455 254,321 747,392 5,719,222 182,656,949 102,235,567 57,077,584 94,796,919 16,137,979 452,904,998 1,900-2,000,000 2,000,000 20,349,522 24,351,422 308,098 284,726 193,160 84,675 4,394,770 5,265,429 199,480,601 110,977,653 60,130,199 97,195,715 41,629,663 509,413,831 5. (1) 106 12 31 0-30 31-90 91-180 181-1 1 $ 4,098 $ 2,077 $ 425 $ 615 $ - $ 7,215 1,894 7,571 312,944 29,936 405,449 757,794 $ 5,992 $ 9,648 $ 313,369 $ 30,551 $ 405,449 $ 765,009 105 12 31 0-30 31-90 91-180 181-1 1 $ 12,478 $ 27,818 $ 174,810 $ 251,553 $ - $ 466,659 3,333 5,018 8,308 30,465 1,033,124 1,080,248 $ 15,811 $ 32,836 $ 183,118 $ 282,018 $ 1,033,124 $ 1,546,907 319

2. 3. (1) DV01 Delta Vega (2) 4. 321

(1) (2) DV01 Vega (1) (2) 322

(3) 5. (1) (2) Delta Vega 6. (1) (2) 323

(3) 7. (1) A. B. C. D. (2) A. Interest Rate Factor Sensitivities, DV01 PVBP 1 1 106 1,853 105 733 1,083 106 105 12,268 6,318 324

B. Foreign Exchange Rate Factor Sensitivities, FX Delta 1% 1% 106 374,288 105 510,749 510,924 C. 1% 1% 106 60,783 105 156,397 156,572 106 105 7,587 4,500 8. ( ) 325

7 94 7 19 094000494 3 1061231 1051231 1 88,969 250,530 118,518 333,685 2 721,064 1,076,306 666,969 1,123,821 810,033 1,326,836 785,487 1,457,506 1 95 4 25 09510001270 2 97 9 15 09700318940 105 9 20 10500134790 2. 1061231 3 1 2 1 A 6499 4,194,556 10% 2 B 2859 3,614,918 8% 3 C 6496 3,119,667 7% 4 D 3010 2,743,460 6% 5 E 6499 2,655,873 6% 6 F 0850 2,566,960 6% 7 G 2630 2,359,822 6% 8 H 4210 2,333,686 5% 9 I 2411 2,332,835 5% 10 J 6499 2,279,666 5% 327

3. 106 12 31 91 180 1 90 181 1 1 268,141,068 143,810,222 6,514,486 24,444,616 442,910,392 139,781,032 157,548,328 82,244,155 19,628,693 399,202,208 128,360,036 ( 13,738,106 ) ( 75,729,669 ) 4,815,923 43,708,184 42,786,672 110.95% 102.15% 105 12 31 91 180 1 90 181 1 1 258,717,458 133,530,132 6,469,493 24,469,261 423,186,344 140,578,404 135,403,448 74,587,943 28,377,971 378,947,766 118,139,054 ( 1,873,316 ) ( 68,118,450 ) ( 3,908,710 ) 44,238,578 40,950,877 111.67% 108.03% 1 2 3 4 106 12 31 91 180 1 90 181 1 1 2,188,090 289,348 6,968 480 2,484,886 1,996,952 1,022,244 132,994-3,152,190 191,138 ( 732,896 ) ( 126,026 ) 480 ( 667,304 ) 1,433,485 78.83% ( 46.55% ) 329

105 12 31 91 180 1 90 181 1 1 2,017,759 182,359 52,153 12,792 2,265,063 1,696,474 1,101,851 114,462 54,200 2,966,987 321,285 ( 919,492 ) ( 62,309 ) ( 41,408 ) ( 701,924 ) 1,268,654 76.34% ( 55.33% ) 1 2 3 4 4. 106 105 0.58% 0.69% 0.50% 0.59% 7.84% 9.53% 6.82% 8.12% 27.98% 30.84% 1 2 3 5. (1) 106 12 31 0 10 11 30 31 90 91 180 1811 1 615,404,461 109,522,593 69,866,772 108,263,448 54,146,537 59,583,162 214,021,949 748,567,793 48,174,540 69,271,164 157,563,789 138,649,895 162,691,952 172,216,453 ( 133,163,332 ) 61,348,053 595,608 ( 49,300,341 ) ( 84,503,358 ) ( 103,108,790 ) 41,805,496 105 12 31 0 10 11 30 31 90 91 180 1811 1 588,635,377 86,959,627 58,815,281 92,041,838 85,631,625 65,981,179 199,205,827 725,210,449 41,740,836 66,226,984 147,464,871 152,285,578 163,335,404 154,156,776 ( 136,575,072 ) 45,218,791 ( 7,411,703 ) ( 55,423,033 ) ( 66,653,953 ) ( 97,354,225 ) 45,049,051 330

1 101 11 26 2 3 (1) (2) 12.5 (3) (4) (5) (6) = 23 IFRS 8 ( ) 1. 10% 2. 10% 3. 10% 4. 5. 10% 6. 7. 8. 9. 333

( ) 10% ( ) ( ) 334

106 12 31 ( 2) 3 3 A $ 137,310 $ 137,310 $ 120,650 6%-10% 1 $ 4,119 - $ 1,207 $ 309,840 $ 300,227 $ 300,227 ( 1) 1 B 27,462 27,462 27,462 6%-10% 1 824-275 52,448 300,227 300,227 1 C 27,462 27,462 27,462 6%-10% 1 824-275 388,349 300,227 300,227 1 1 (1) 0 (2) 1 2 (1) 1 (2) 2 3 (1) (2) (1) (2) 335

106 1 1 12 31 $ 300,227 $ - 100% $ 19,461 ( CNY 4,305 ) $ 19,461 ( CNY 4,305 ) $ - $ - $ 305,110 ( USD 10,000 ) (1) $ 305,110 ( USD 10,000 ) $ 305,110 ( USD 10,000 ) $305,110(USD 10,000 ) $305,110(USD 10,000 ) $398,208 (1) (2) (3) - 106 337

/ 338

106 12 31 $ 2,521,995 367,481 2,889,476 2,018,305 112,792 3,510,552 3,623,344 $ 8,531,125 4,181 29.848 22,376 4.577 643 35.700 262,661 0.265 12,498 3.819 80,004 29.848 31,018 4.577 3,846 35.700 48,493 3.819 2,004 23.260 1,367 40.210 1,203 30.570 20,260 2.421 728,334 0.265 4,947 0.916 1,853 21.200 1,643 22.320 8,293 23.780 339

106 12 31-107.01.12 0.42%~0.95% $ 949,695 $ 111 $ 949,806 $ - - 107.01.02~107.01.31 0.36%~1.60% 13,029,505 310 13,029,815-13,979,200 421 13,979,621 - - 107.01.27 0.51% 1,000,073 ( 94 ) 999,979 - - 107.01.16 0.50% 500,203 81 500,284 - - 107.01.16 0.57% 350,383 20 350,403-1,850,659 7 1,850,666-105 2,800,000 110.06.24 0.58% 2,781,041 11,752 99.74 2,792,793-101 1,000,000 111.03.07 0.63% 1,017,962 7,637 102.56 1,025,599-104 700,000 109.03.27 0.49% 706,184 1,648 101.12 707,832-104 400,000 109.10.15 0.54% 407,160 690 101.96 407,850-300,000 110.03.17~116.03.01 0.57%~0.63% 304,122 390 98.98~102.53 304,512-5,216,469 22,117 5,238,586-350,281 ( 2,498 ) 347,783-47,418 3,055 50,473 - - 50,241 950,685 1,161,278 766,433 11,759 721,496 545,246 296,384 283,706 149,661 80,710 12,743 2,125,712 163,764 60,469 3,061,166 4,268,880 107.09.09 264,741 230,744 205.00 495,485 - E2 107.08.25 386,896 7,164 102.70 394,060-109.03.16 312,923 37,771 113.20 350,694-109.09.08 144,847 184,661 243.00 329,508-109.09.07 154,183 169,271 222.00 323,454-107.01.23~110.12.15 3,566,901 219,936 96.00~280.00 3,786,837-4,830,491 849,547 5,680,038 - $ 30,208,333 $ 4,319,121 340

106 12 31 107.01.02~107.12.03 624,600 $ 62,460,000 $ 63,204 $ 62,523,204 101 111.09.24 42,500 4,303,037 39,996 102.19 4,343,033 101 111.03.07 33,000 3,359,683 24,792 102.56 3,384,475 102 107.01.15 25,000 2,499,898 558 100.02 2,500,456 105 110.06.24 21,492 2,143,704 ( 36 ) 99.74 2,143,668 104 109.06.12 21,000 2,115,368 9,609 101.19 2,124,977 106 111.04.21 20,500 2,051,703 8,473 100.50 2,060,176 100 110.09.30 14,000 1,431,184 1,908 102.36 1,433,092 108.09.09~112.09.18 57,546 5,825,270 69,798 100.05~105.78 5,895,068 23,729,847 155,098 23,884,945 108.11.11~111.11.09 65,000 1,743,379 778 99.26~101.43 1,744,157 107.08.07~111.11.01 130,500 1,367,385 ( 3,857 ) 98.83~100.23 1,363,528 107.07.27~111.02.27 127,000 1,183,751 ( 4,392 ) 98.60~100.35 1,179,359 107.02.01~111.12.04 896,220 16,648,213 71,002 98.66~107.76 16,719,215 20,942,728 63,531 21,006,259 110.02.26~111.11.30 50,000 1,483,026 ( 24,567 ) 96.83~99.05 1,458,459 19,140 994,121 ( 284,810 ) 16.30~106.00 709,311 2,500 50,000 ( 600 ) 19.76 49,400 $ 109,659,722 ( $ 28,144 ) $ 109,631,578 3,602,186 3,003,045 12,366,170 1,162,801 341

342 106 1 1 12 31 120,000 $ 625,922 - $ 36,110 - $ - $ 1,647 120,000 $ 663,679 $ 663,679 20,000 240,173-80,988 - - - 20,000 321,161 321,161 866,095 117,098-1,647 984,840 984,840 99,407 1,604,159-102,588-69,585 9,393 99,407 1,646,555 1,646,555 12,000 98,061 2,760 29,729 2,760 - ( 279 ) 12,000 127,511 127,511 1,702,220 132,317 69,585 9,114 1,774,066 1,774,066 $ 2,568,315 $ 249,415 $ 69,585 $ 10,761 $ 2,758,906 $ 2,758,906 220,435 28,980 69,585

106 12 31 $ 2,633,539 267,299 12,527 2,913,365 31,538,493 40,290,830 61,275,325 2,054,330 47,176,969 33,569,460 129,336 71,829,323 63,329,655 80,875,765 6,387,500 170,600,006 58,518,616 17,834,477 7,897 324,510 246,953,099 332,407 $ 472,621,114 343

106 1 1 12 31 $ 316,404 ( $ 159,636 ) $ 38,074 $ - $ 194,842 1,072,514 265,119 - - 1,337,633 44,768 54,697 89,474 10,803 199,742 $ 1,433,686 $ 160,180 $ 127,548 $ 10,803 $ 1,732,217 1,516,604 344

106 1 1 12 31 $ 36,219 29,263 17,402 3,834 $ 86,718 345

106 12 31 $ 152,285 17,815 28,423 $ 198,523 98 8 346