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(02) 8722-5000 Jasmine.Hung@anz.com (02) 8722-5000 Ivy.Hsieh2@anz.com 7 161718 (02)8722-5000 1 69 1 852-2533-3500 www.standardandpoors.com 7 49 (02)8722-5800 http://www.taiwanratings.com/tw/ 7 68 (02)8101-6666 http://www.kpmg.com.tw anz.tw

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( ) 1. ( ) 105.12.31 ( ) ( ) (Alistair Marshall Bulloch) 104.9.18 3 ( 107.9.17) 101.9.18 ( 1) ( 1) ( 1) ( 1) Dundee College of Technology Standard Chartered First Bank, Korea ANZ Royal Bank (Cambodia) Ltd. United (Cambodia) Land Company Ltd. ANZ Bank (Lao) Limited Votraint No.1103 Pty Ltd. / Jikk Pty Ltd. ANZ Bank (Vietnam) Limited ( ) ( ) Mark Peter Hand 104.9.18 3 ( 107.9.17) 102.8.17 ( 1) ( 1) ( 1) ( 1) Deakin University 104.9.18 3 ( 107.9.17) 101.9.18 ( 1) ( 1) ( 1) ( 1) ( ) ( 2) 14 15

( ) Maria 104.9.18 Cristina Helena Gatmaitan Samaniego 104.9.18 ( ) 104.9.18 3 ( 107.9.17) 3 ( 107.9.17) 3 ( 107.9.17) ( ) De La Salle University 104.9.18 ( 1) ( 1) ( 1) ( 1) 103.8.13 ( 1) ( 1) ( 1) ( 1) ( ) 102.9.27 ( 1) ( 1) ( 1) ( 1) 16 17

( ) ( ) Super Micro Computer, Inc. Crown Bioscience International Super Micro Computer Inc. SinoPac Bancorp / (Deloitte China) 3 ( 107.9.17) 102.9.27 ( 1) ( 1) ( 1) ( 1) 104.9.18 3 104.9.18 ( 1) ( 1) ( 1) ( 1) ( 107.9.17) 104.9.18 Alibaba Taiwan Entrepreneurs Fund CDIB Capital Innovation Accelerator (Cayman ) Limited. 1 (Australia and New Zealand Banking Group Limited) 2,361,758,019 2 105 12 31 ( ) 2. 105.12.31 HSBC Custody Nominees (Australia) Limited 24.58% J P Morgan Nominees Australia Limited 13.11% Citicorp Nominees Pty Limited 6.60% National Nominees Limited 4.21% BNP Paribas Nominees Pty Ltd <Agency Lending DRP A/C> 1.96% BNP Paribas Nominees Pty Ltd <DRP> 1.52% Citicorp Nominees Pty Limited <Colonial First State Inv A/C> 1.13% HSBC Custody Nominees (Australia) Limited <Nt-Comnwlth Super Corp A/C> 0.56% Citicorp Nominees Pty Limited <Citibank NY ADR DEP A/C> 0.54% AMP Life Limited 0.48% 18 19

3. 4. 105.12.31 HSBC Custody Nominees (Australia) Limited HSBC Bank Australia Limited 100% J P Morgan Nominees Australia Limited J.P. Morgan Administrative Services Australia Limited 100% Citicorp Nominees Pty Limited Citigroup Pty Limited 100% National Nominees Limited National Australia Bank Limited 100% BNP Paribas Nominees Pty Ltd <Agency Lending DRP A/C> BNP Paribas Securities Services 100% BNP Paribas Nominees Pty Ltd <DRP> BNP Paribas Securities Services 100% Citicorp Nominees Pty Limited <Colonial First State Inv A/C> HSBC Custody Nominees (Australia) Limited <Nt-Comnwlth Super Corp A/C> Citicorp Nominees Pty Limited <Citibank NY ADR DEP A/C> Citigroup Pty Limited 100% HSBC Bank Australia Limited 100% Citigroup Pty Limited 100% AMP Life Limited AMP Limited 100% 105.12.31 ( ) 1 2 3 4 5 6 7 8 9 10 (Alistair Marshall V V V V V V V 0 Bulloch) Mark Peter Hand V V V V V V V 0 V V V V V V V V V V 0 Maria Cristina Helena Gatmaitan V V V V V V V V V 0 Samaniego V V V V V V V V V 0 V V V V V V V V V V 2 V V V V V V V V V V V 0 V V V V V V V V V V V 3 V 1 2 ( ) 3 4 5 6 ( ) ( ) 7 ( ) ( ) 8 9 30 10 27 20 21

( ) 106.4.30 ( ) 106.3.17 0 0 0 0 0 0 University of East Anglia ( ) 102.8.16 0 0 0 0 0 0 103.8.25 0 0 0 0 0 0 101.9.18 0 0 0 0 0 0 103.10.1 0 0 0 0 0 0 Boston University Indian Institute of Management Bangalore Chartered Accountant (CA), Singapore Chartered Certified Accountant, FCCA Chartered Financial Analyst, CFA Sarah Jo-Ann 105.2.19 0 0 0 0 0 0 Dunn University of Leeds Maria Cristina Helena 104.8.1 0 0 0 0 0 0 Gatmaitan De La Salle University Samaniego 104.2.1 0 0 0 0 0 0 103.5.5 0 0 0 0 0 0 101.9.18 0 0 0 0 0 0 103.8.25 0 0 0 0 0 0 Michigan State University ( ) Boston University, LL.M in American Law, LL.M. in Banking and Financial Law University of Maryland 106.1.16 0 0 0 0 0 0 University of Wollongong, Sydney 101.12.11 0 0 0 0 0 0 ( ) 101.12.11 0 0 0 0 0 0 22 23

106.1.11 0 0 0 0 0 0 104.2.1 0 0 0 0 0 0 University of Washington 102.8.23 0 0 0 0 0 0 102.4.8 0 0 0 0 0 0 104.4.1 0 0 0 0 0 0 106.1.1 0 0 0 0 0 0 104.4.1 0 0 0 0 0 0 102.11.1 0 0 0 0 0 0 102.11.1 0 0 0 0 0 0 105.4.1 0 0 0 0 0 0 106.1.1 0 0 0 0 0 0 102.4.8 0 0 0 0 0 0 ( ) 1. ( ) 105.12.31 (A) (C) (B) ABC D ABCD (D) (%) (E) (F) EF G (G) ( ) (Alistair Bulloch) Mark Peter Hand Maria Cristina Helena Gatmaitan Samaniego 5,400 0 0 0 0.58% 52,198 4,510 0 0 6.63% * ( ) 0 24 25

(2) 2,000,000 2,000,000 ( ) 5,000,000 / / (A+B+C+D) (H) (A+B+C+D+E+F+G) / / (I) 11a. b. J c. ( ) 104 9 18 5,000,000 ( ) 10,000,000 10,000,000 ( ) 15,000,000 15,000,000 ( ) 30,000,000 30,000,000 ( ) 50,000,000 /Maria Cristina Helena Gatmaitan Samaniego 50,000,000 ( ) 100,000,000 100,000,000 3 6 1 ( ) 2 ( ) 3 4 ( ) 5 IFRS 2 6 7 ( ) 8 9 ( ) 10 26 27

1. ABC D (%) (D) ( 4) (C) ( 3) (B) (A) ( 2) ( 1) (105/12/31 ) (105/2/1 ) (105/10/1 ) ( ) 16.86% 0 0 66,536 12,198 79,083 Sarah Jo-Ann Dunn (105/2/19 ) Maria Cristina Helena Gatmaitan Samaniego (105/6/1 ) (105/6/1 ) 105 4 1 2 3 5,467 IFRS 2 4 5 ( ) 6 7 ( ) 8 9a. b. E c. ( ) 2. ( 1) 2,000,000 2,000,000 ( ) 5,000,000 5,000,000 ( ) 10,000,000 Sarah Jo-Ann Dunn 10,000,000 ( ) 15,000,000 15,000,000 ( ) 30,000,000 Maria Cristina Helena Gatmaitan Samaniego 30,000,000 ( ) 50,000,000 - - 50,000,000 ( ) 100,000,000 - - 100,000,000 - - 16-1 28 29

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( 106 5 25 ) 106 5 25 105 1 1 12 31 101.09.18 105.12.31 1 2,000 2 2,000 4,000 3 4,000 6,000 V V 4 6,000 8,000 5 8,000 10,000 6 10,000 V V 2 15,484 0 190 0 4,071 4,261 105 1 1 12 31 2: 60 61

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( ) 4 106 5 25 101.1 10 1,000,000,000 10,000,000,000 1,000,000,000 10,000,000,000 101 4 26 10100124720 102.04 10 2,000,000,000 20,000,000,000 1,400,000,000 14,000,000,000 400,000,000 102 2 25 10100549140 102.04 10 2,000,000,000 20,000,000,000 2,000,000,000 20,000,000,000 600,000,000 ( ) 102 2 25 10100549140 103.09 10 2,500,000,000 25,000,000,000 2,123,543,739 21,235,437,390 123,543,739 103 8 05 10300180780 104.09 10 2,500,000,000 25,000,000,000 2,256,694,695 22,566,946,950 133,150,956 104 8 31 10400224420 105.09 10 2,500,000,000 25,000,000,000 2,361,758,019 23,617,580,190 105,063,324 105 9 13 10500217260 600,000,000 65

( ) 2,361,758,019 138,241,981 2,500,000,000 106 5 25 % 2,361,758,019 100 ( ) 106 5 25 - - - - 1 1 - - - - 2,361,758,019 2,361,758,019 - - - - 100% 100% ( ) 106 5 25 % 2,000,001 1 2,361,758,019 100 1 2,361,758,019 100 ( ) 1 1 104 ( ) ( 3) 105 - - - - - - 11.44 11.00 10.93 ( 2) ( ) 2,361,758 2,361,758 0.85 0.40 0.81 ( 2) - 0.47 ( 2) - - - - - - - - - - 1. 2. 105 ( ) 3. ( ) IFRS 104 105 66 67

( ) 1. 0.001% ( ) ( ) 1. 2. 105,, 2. ( ) 105 105 1 1 105 12 31 1 ( ) 25,632,251 105 (105/1/1 ~ 105/12/31) 647,346,422 672,978,674 : (194,203,927) (3,236,733) - (475,538,014) 0 3. (1), : 106 3 22 105 8 (2) : 4. ( ) 68 69

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3. 1. 104 105 219,262 0.12% 343,549 0.25% 84,031,506 45.47% 65,266,943 46.86% 93,072,453 50.36% 73,670,198 52.89% 7,500,000 4.05% 0 0.00% 184,823,221 100.00% 139,280,690 100.00% 104 ( ) ( 1) ( 2) 105 ( 1) 2,342,197 38% 1,484,352 29% 3,443,984 57% 3,293,201 66% 292,808 5% 265,659 5% 6,078,989 100% 5,043,212 100% 1 2 ( ) IFRS 2. 105 104 104 105 611,198 0.48% 45,117 0.05% 45,528,033 35.66% 22,419,501 23.84% 2,609,099 2.04% 3,380,233 3.59% 29,748,632 23.30% 22,388,023 23.81% 945,691 0.74% 754,806 0.80% 346,427 0.27% 400,133 0.43% 47,837,253 37.48% 44,304,246 47.12% 43,540 0.03% 338,146 0.36% 127,669,873 100.00% 94,030,205 100.00% : (1,979,015) -1.55% (1,796,945) -1.91% 14,301 0.01% (700) 0.00% 125,705,159 98.46% 92,232,560 98.09% 105 4. 104 105 263,125,029 80% 147,822,075 69% 47,376,845 14% 48,263,098 23% 20,928,332 6% 16,693,688 8% 331,430,206 100% 212,778,861 100% 105 104 74 75

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29 Greenwich Associates 16% 19% 39% 12% 15% Bank 3.0 : 4 App PC( )Smart Phone( ) Pad device( ) 3. (1) 99 4 17 78 79

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: 10544270400 105 5 25 105.12.01-110.11.30 104.10.01-107.09.30 106.03.01-106.12.31 105.07.15-110.07.14, 106.01.01-107.12.31 105.10.01-110.09.30 106.04.01-108.03.31 105.06.01-107.05.31 DM 104.12.01-106.11.30 105.06.15-109.12.14 105.06.01-108.05.31 103.07.01-106.06.30 103.07.01-106.06.30 103.07.01-106.06.30 105.07.15-108.07.14 105.07.01-108.06.30 105.07.01-108.06.30 105.07.01-108.06.30 105.07.01-108.06.30 88 89

106.04.01-107.03.31 : 105.04.17-106.04.16 104.03.01-107.12.31 103.08.21-999.12.31 103.10.10-999.12.31 105.04.29-106.04.28 106.02.02-107.02.02 105.11.23-107.11.23 105.04.13-106.04.12 104.11.30-105.11.29 104.01.19-109.01.18 105.01.01-108.12.31 104.10.15-107.10.14 104.05.20-107.09.20 106.02.06-109.02.05 106.02.01-107.01.31 101 90 91

6 101 102 103 ( 1) 104 ( ) ( 3) 105 10,021,690 86,994,459 92,124,600 100,507,565 43,001,509 0 15,801,834 23,326,959 17,315,015 11,616,642 0 491,043 536,174 528,792 614,708-4,201 25,871,245 25,505,054 32,513,154 16,844,570 5 0 0 0 0-0 150,938,533 157,413,104 125,705,159 92,232,560 0 46,040,935 42,240,994 53,242,349 46,897,090-0 63,098 66,098 66,098 66,098-0 424,525 619,222 555,447 571,381-0 813,124 775,833 613,204 469,072-5,248 13,562 29,155 49,094 137,680 0 281,832 463,828 334,329 327,551 10,031,144 327,734,190 343,101,021 331,430,206 212,778,861 0 132,265,089 113,816,744 87,304,709 28,697,624 0 5,283,000 9,452,134 12,210,868 8,250,657 93

56,769 15,210,021 12,564,088 14,164,672 8,810,101 0 189,196 215,704 73,815 33,634 0 143,826,703 175,581,040 184,823,221 139,280,690 0 8,348,643 6,656,380 6,148,968 498,948 0 234,088 415,539 325,828 400,684 0 567,695 662,327 570,234 829,662 101 ( 1) 102 103 104 ( ) ( 2) 105 25,896 3,194,936 4,421,673 4,245,090 3,471,136 : 0 1,296,728 1,743,757 1,730,510 1,292,476 25,896 1,898,208 2,677,916 2,514,580 2,178,660 56,769 305,924,435 319,363,956 305,622,315 186,802,000 56,769 305,924,435 319,363,956 306,054,263 ( 2) 0 3,498,484 4,552,868 3,967,624 3,216,058 25,896 5,396,692 7,230,784 6,482,204 5,394,718 9,974,375 21,809,755 23,737,065 25,807,891 25,976,861 10,000,000 20,000,000 21,235,437 22,566,947 23,617,580 10,000,000 21,235,437 22,566,947 23,617,580 ( 2) (25,625) 1,755,387 2,400,783 2,567,736 2,190,081 (25,625) 519,950 1,069,273 1,517,103 ( 2) 0 0 0 539,581 0 0 0 0 107,633 0 0 54,368 100,845 133,627 169,200 9,974,375 21,809,755 23,737,065 25,807,891 25,976,861 9,974,375 21,809,755 23,737,065 25,375,943 ( 2) 1: 101 10 16 102 4 7 102 4 8 2: 105 ( ) 3: ( ) IFRS 4: 0-423,380-32,317-746,806-31,394 56,769 3,813,044 5,055,174 5,021,235 4,301,361-30,873 2,007,028 2,207,927 2,207,775 1,124,751 ( ) 5,248-248,237-376,849-297,740-188,541-25,625 1,758,791 1,831,078 1,910,035 936,210 0 0 0 0 0 ( ) -25,625 1,758,791 1,831,078 1,910,035 936,210 ( ) 0 33,230 96,232 38,480 61,205-25,625 1,792,021 1,927,310 1,948,515 997,415-25,625 1,758,791 1,831,078 1,910,035 936,210 0 0 0 0 0-25,625 1,792,021 1,927,310 1,948,515 997,415 0 0 0 0 0-0.02 0.86 0.78 0.81 0.40 1: 101 10 16 102 4 7 102 4 8 2: ( ) IFRS 3: 94 95

101 102 103 104 101 102 103 104 ( ) 105 % 0 106.7 90.9 69.1 67.5 % 0 0.06 0.04 0.14 0.54 105 % % 0 0.79 0.82 0.71 0.71 0 1.85 1.92 2.05 2.23 ( ) 0 0.02 0.02 0.02 0.02 ( ) 0 3,546 4,850 4,766 4,887 ( ) % 0 1,156 1,228 1,404 848 0 9.67 10.16 9.39 4.54 % -0.26 0.58 0.55 0.57 0.34 % -0.26 8.41 8.04 7.71 3.62 % -98.95 32.59 25.32 29.47 17.35-0.02 0.96 0.86 0.81 0.40 % % 0.57 93.35 93.01 92.21 87.79 0 1.95 2.61 2.15 2.20 % 0 3,167.17 4.69-3.40-35.80 % 0-6,600.92 10.01-0.01-49.05 % 38.21 47.5 5.1 3.31-121.34 % % 0.22 34,566.84 14,357.42 13,868.97 3,731.04 0 3,270.36-2,014.61-9,239.32 37,228.11 96 97

1 101 102 103 104 ( ) 105 % 0 120.23 171.72 106.37 101.60 ( ) % 0 744,948 637,465 757,031 651,220 0 0.49 0.39 0.59 0.69 % 0.02 0.84 0.82 0.76 0.47 % 0.35 0.84 0.82 0.82 0.78 % 0 0.47 0.54 0.54 0.39 % 0 0.65 0.64 0.66 0.36 ( 20% ) 1. 105 3 2. 105 105 104 3. 105 4. 105 1. (1) (2) (3) (4) (5) (6) ( 5) (7) 2. (1) = (2) (102 102 4 7 101 101 10 16 ) (3) (102 102 4 7 101 101 10 16 ) (4) (5) ( ) ( 3) 3. (1) ( 2) (2) 4. (1) =( ) (2) = 5. ( 6) (1) (2) (3) 6. 7. (1) (2) (3) (4) 2 3 1. 2. 3. 4. 5. 4 5 6 1. 2. 3. 7 8 98 99

O ( 1) 102 103 104 105 20,759,750 22,695,222 24,340,089 25,185,668 0 0 0 0 2,256,534 2,074,747 1,146,499 1,221,676 23,016,284 24,769,969 25,486,588 26,407,344 189,796,044 216,801,003 196,826,417 118,728,117 11,475,818 11,513,817 11,278,922 / 10,653,948 15,337,636 14,966,306 5,422,506 5,717,455 216,609,498 243,281,126 213,527,845 135,099,520 10.63% 10.18% 11.94% 19.55% 9.58% 9.33% 11.40% 18.64% 9.58% 9.33% 11.40% 18.64% 4.96% 5.96% 6.41% 10.24% :105 (19.55%) 104 (11.94%) 63.73% 105 781 1. 101 10 16 102 4 7 102 4 8 2. 3. 1 2 12.5 3 4 ( + ) 5 6 = / 4. 100 101

: : 102 103

7 105 104 ( ) ( ) % 43,001,509 100,507,565 (57,506,056) (57.22) 11,616,642 17,315,015 (5,698,373) (32.91) - 614,708 528,792 85,916 16.25-16,844,570 32,513,154 (15,668,584) (48.19) - 92,232,560 125,705,159 (33,472,599) (26.63) - 46,897,090 53,242,349 (6,345,259) (11.92) 66,098 66,098 0 0.00-571,381 555,447 15,934 2.87-469,072 613,204 (144,132) (23.50) 137,680 49,094 88,586 180.44-327,551 334,329 (6,778) (2.03) 212,778,861 331,430,206 (118,651,345) (35.80) 28,697,624 87,304,709 (58,607,085) (67.13) 8,250,657 12,210,868 (3,960,211) (32.43) 8,810,101 14,164,672 (5,354,571) (37.80) 33,634 73,815 (40,181) (54.43) 139,280,690 184,823,221 (45,542,531) (24.64) 498,948 6,148,968 (5,650,020) (91.89) 400,684 325,828 74,856 22.97 829,662 570,234 259,428 45.50 186,802,000 305,622,315 (118,820,315) (38.88) 23,617,580 22,566,947 1,050,633 4.66 : 2,190,081 2,567,736 (377,655) (14.71) 169,200 133,627 35,573 26.62-539,581 (539,581) (100.00) 25,976,861 25,807,891 168,970 0.65 : 3 20% 1. 2. 105

3. 105 4. : 105 5. 105 6. 105 7. 8. 9. 10. (1) (2) (3) ( ) (1) (2) + (3) 105 104 ( ) ( 1) ( ) % 2,178,660 2,514,580 (335,920) (13.36) 3,216,058 3,967,624 (751,566) (18.94) (31,394) (746,806) 715,412 95.80 4,301,361 5,021,235 (719,874) (14.34) 1,124,751 2,207,775 (1,083,024) (49.05) 936,210 1,910,035 (973,825) (50.98) 105 105 104 105 104 105 104 1: ( ) IFRS 42,500,065 (7,716,185) 8,224,476 43,008,356 - - 106 3 22 105 104 ( ) ( ) -121.34 3.31 3,765.86 ( ) 3,731.04 13,868.97 73.10 ( ) 1-9,239.32-1 105 106 107

( ) 1. (1) A. B. (Board) : ( ) (RMC) (Chief Risk Officer) - - - - - - 108 109

- - - - - - ( ) C. D. E. 1. 2. 3. 4. 5. 1. 2. 110 111

(2) 105.12.31 51,769,788 0 2. (1) 0 0 ( ) 50,654,235 901,029 ( ) 61,379,470 4,654,994 17,549,695 1,057,609 41,336,436 2,413,086 20,107 6,434 2,020,449 151,947 224,730,181 9,185,098 2. : A. (ORMMF) 1. 2. 3. (KRI) 4. 5. ORMMF B. ( ) ( ) ( ) 112 113

( ) : (2) ( 103 6,340,312 104 5,544,831 105 5,161,174 17,046,317 852,316 ( ) : ( ) : 4. (1) C. ( 4 ) ( 3 ) / A. D. B. E. 114 115

5. (1) C. VAR (Sensitivity Analysis) (DV01) (VAR) (Stress Testing) 105.12.31 0 10 11 30 31 90 91 180 181 1 1 280,841,491 49,719,033 45,157,826 57,592,954 30,107,745 46,431,403 51,832,530 294,878,869 34,261,837 60,174,473 85,331,485 42,761,351 21,714,712 50,635,011 (14,037,378) 15,457,196 (15,016,647) (27,738,531) (12,653,606) 24,716,691 1,197,519 D. (Loss Limit) (Loss Limit) E. (2) 105.12.31 0 30 31 90 91 180 181 1 1 (2) 10,262,735 3,996,990 3,194,420 1,587,117 802,690 681,518 13,152,301 4,833,227 3,640,862 1,921,971 1,689,088 1,067,153-2,889,566-836,237-446,442-334,854-886,398-385,635 105.12.31 452,076 0 5,320 0 457,396 (1 2) 116 117

1. (30 ) (90 ) " " (180 ) ALCO 1.1 30 30 2. (CFR) (CFR) = 2015 2016 2017 2018 2019 Minimum 60 70 80 90 100 1.2 (90 ) (Wholesale Funding Capacity, WFC) 3 1.3 (180 ) Funding Market Disruption, FMD,, ) 6 (FinTech) ( ) ( ) 35 118 119

( ) ( ) : ( ) ( ) ( ) ( ( ) 106 05 25 ( ) 1. ( ) 2. 3. 120 121

105 10 30 ( ) ( ) 105 12 27 122 123

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1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 7 18 (02) 8722-5000 2 16 (02) 7725-7098 89 1 (02) 7723-3600 66 12 1 (02) 7708-2800 16-1 30F (02) 7715-3000 1080 26 (03) 260-0133 412 123 (04) 3701-4970 83 1 2 4 2 (04) 3701-4100 2 285 24 (04) 2323-6680 1 189 7 (06) 700-6800 6 1 (07) 975-5888 12 1 2 (07) 975-7000 222 223

( )