(02) 8722-5000 JASMINE.HUNG@anz.com (02) 8722-5000 Amy.Su3@anz.com 7 12 16 17 18 (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
4 8 10 11 15 29 36 58 59 59 59 59 59 60 61 66 66 66 68 69 79 80 81 82 84 85 87 88 89 92 O 96 O 97 O 97 97 98 99 100 100 101 102 102 114 115 116 117 117 117 117 118 O 119 O 203 271
1 104 4% 1% ( ) ( ) 104 104 17 5 3 7 14 9 2 7 6 5 0.66 6.09% 25.10% 104 104 Your world, Your Way 101 104 69 104 104 105 4 S&PA+ A-1 twaaatwa-1+ 5
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( ) 101 10 16 2 ( ) 1835 180 34 50,000 25 AA- 102 104 (Global Finance) 19 104 (Greenwich Associates) (Overall Relationship Quality) (Relationship Management Quality) ( ) ( ) 101 10 16 ( ) 12 1,300 104 (Greenwich Associates) (Relationship Management Quality) (Relationship Manager's advice on more complex financings) (Relationship Manager's visit frequency) (Share Strategic Thinking) (Effective Senior Management Support) 101 104 (Global Finance) 9
( ) 105.4.30 3 ( ) 1. 11
2. 7. 3. / 4. 8. 9. 10. 5. 11. 6. 12. 12 13
13. 14. 15. 16. ( ) 1. ( ) 104.12.31 ( ) ( ) ANZ Royal Bank (Cambodia) Ltd. United (Cambodia) Land Company Ltd. ANZ Bank (Lao) Limited ANZ V-Trac International Leasing Company Votraint No.1103 Pty Ltd. / Jikk Pty Ltd. ( ) Dundee College of Technology Standard Chartered First Bank, Korea 3 ( 107.9.17) 101.9.18 ( 1) ( 1) ( 1) ( 1) 104.9.18 (Alistair Marshall Bulloch) 14 15
Mark Peter Hand ( ) ( ) 104.9.18 104.9.18 3 ( 107.9.17) 3 ( 107.9.17) 102.8.17 ( 1) ( 1) ( 1) ( 1) 101.9.18 ( 1) ( 1) ( 1) ( 1) ( ) ( ) Deakin University ANZ Bank (Vietnam) Limited ANZ Bank (Europe) Limited ANZ Capital(PVT) Limited ( ) Pensions (UK) Limited ANZ 16 17
Maria Cristina Helena Gatmaitan Samaniego ( 2) ( ) 104.9.18 104.9.18 ( ) 104.9.18 104.9.18 3 ( 107.9.17) 3 ( 107.9.17) 3 ( 107.9.17) 3 ( 107.9.17) 104.9.18 ( 1) ( 1) ( 1) ( 1) 103.8.13 ( 1) ( 1) ( 1) ( 1) 102.9.27 ( 1) ( 1) ( 1) ( 1) 102.9.27 ( 1) ( 1) ( 1) ( 1) ( ) De La Salle University ( ) Super Micro Computer Inc. SinoPac Bancorp / Super Micro Computer, Inc. 18 19
( ) 20 ( ) (Deloitte China) University of Exeter ( ) Global Sector ( ) ( ) 3 104.9.18 ( 1) ( 1) ( 1) ( 1) ( 107.9.17) 104.9.18 International and Institutional Banking 102.2.18 104.9.17 102.2.18 ( 1) ( 1) ( 1) ( 1) Douglas Farell Stolberg ( 3) ( ) ANZ Bank (Lao) Limited 103.8.13 104.9.17 103.8.13 ( 1) ( 1) ( 1) ( 1) ( 4) 1 (Australia and New Zealand Banking Group Limited) 2,256,694,695 2 104 9 18 Maria Cristina Helena Gatmaitan Samaniego 3 102 2 18 Douglas Farell Stolberg Nigel Denby 104 9 18 104 9 18 4 103 8 13 Yuk Sheung Megan Wong 104 9 18 104 9 18 21
2. 104.12.31 BNP Paribas Nominees Pty Ltd <Agency Lending DRP A/C> Citicorp Nominees Pty Limited <Colonial First State Inv A/C> Citicorp Nominees Pty Limited <Citibank NY ADR Dep A/C> BNP Paribas Securities Services 100% Citigroup Pty Limited 100% Citigroup Pty Limited 100% HSBC Custody Nominees (Australia) Limited 18.96% AMP Life Limited AMP Limited 100% J P Morgan Nominees Australia Limited 12.47% National Nominees Limited 8.09% HSBC Custody Nominees (Australia) Limited <Nt-Comnwlth Super Corp A/C> HSBC Bank Australia Limited 100% Citicorp Nominees Pty Limited 5.72% BNP Paribas Nominees Pty Ltd <DRP> 2.46% 4. BNP Paribas Nominees Pty Ltd <Agency Lending DRP A/C> 1.40% 104.12.31 Citicorp Nominees Pty Limited <Colonial First State Inv A/C> 1.09% Citicorp Nominees Pty Limited <Citibank NY ADR Dep A/C> 0.64% AMP Life Limited 0.63% HSBC Custody Nominees (Australia) Limited <Nt-Comnwlth Super Corp A/ C> 0.62% ( ) 1 2 3 4 5 6 7 8 9 10 3. (Alistair Marshall Bulloch) V V V V V V V 0 104.12.31 HSBC Custody Nominees (Australia) Limited HSBC Bank Australia Limited 100% J P Morgan Nominees Australia Limited J.P. Morgan Administrative Services Australia Limited 100% National Nominees Limited National Australia Bank Limited 100% Citicorp Nominees Pty Limited Citigroup Pty Limited 100% BNP Paribas Nominees Pty Ltd <DRP> BNP Paribas Securities Services 100% Mark Peter Hand V V V V V V V 0 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 3 V V V V V V V V V V V 0 V V V V V V V V V V V 0 V 1 22 23
101.9.18 0 0 0 0 0 0 2 ( ) 3 4 5 6 ( ) ( ) 7 ( ) ( ) 8 9 30 10 27 ( ) 105.4.30 ( ) 1 102.8.16 0 0 0 0 0 0 103.8.25 0 0 0 0 0 0 Boston University St. John's University 101.9.18 0 0 0 0 0 0 Indian Institute of Management Bangalore 101.9.18 0 0 0 0 0 0 Chartered Certified Accountant, FCCA Chartered Financial Analyst, CFA 103.10.1 0 0 0 0 0 0 24 25
Sarah Jo- 105.2.19 0 0 0 0 0 0 Ann Dunn University of Leeds Maria Cristina Helena 104.8.1 0 0 0 0 0 0 Gatmaitan Samaniego De La Salle University 104.2.1 0 0 0 0 0 0 103.5.5 0 0 0 0 0 0 Michigan State University ( ) 101.9.18 0 0 0 0 0 0 Boston University, LL.M in American Law, LL.M. in Banking and Financial Law 103.8.25 0 0 0 0 0 0 University of Maryland 103.8.25 0 0 0 0 0 0 Lancaster University 104.1.15 0 0 0 0 0 0 101.12.11 0 0 0 0 0 0 ( ) 101.12.11 0 0 0 0 0 0 101.12.11 0 0 0 0 0 0 104.6.16 0 0 0 0 0 0 Johnson & Wales University 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 0 102.9.1 0 0 0 0 0 0 104.4.1 0 0 0 0 0 0 102.11.1 0 0 0 0 0 0 26 27
102.11.1 0 0 0 0 0 0 105.4.1 0 0 0 0 0 0 103.4.1 0 0 0 0 0 0 102.4.8 0 0 0 0 0 0 1 ( ) ( ) 1. ( ) 104.12.31 (A) (C) (B) A B C D (D) (%) (E) (G) (F) (H) A B C D E F G ( ) (Alistair Bulloch) Mark Peter Hand 102/8/17 104/9/18 Maria Cristina Helena Gatmaitan Samaniego 104/9/18 104/9/1 104/9/18 3,720 0 0 0 0.25% 67,997 3,604 0 0 0 0 5.05% 28 29
(2) 2,000,000 / / (A+B+C+D) (I) (A+B+C+D+E+F+G) / / (J) 2,000,000 ( ) 5,000,000 5,000,000 ( ) 10,000,000 11 12 a. b. J c. ( ) 13 ( ) 104 9 18 10,000,000 ( ) 15,000,000 Maria Cristina Helena Gatmaitan Samaniego 15,000,000 ( ) 30,000,000 30,000,000 ( ) 50,000,000 50,000,000 ( ) 100,000,000 100,000,000 3 8 1 ( ) 2 ( ) 3 4 ( ) 5 6 7 ( ) 8 ( ) 9 10 ( ) 30 31
1. 104.12.31 (A) ( 2) (B) (D)( 4) (C)( 3) A B C D (%) ( 5) ( 1) ( ) 85,807 8,223 90,242 0 0 12.34% 0 0 (104/8/31 ) (104/6/28 ) Maria Cristina Helena Gatmaitan Samaniego (104/8/1 ) (104/1/31 ) (104/2/1 ) (104/1/15 ) 105 4 1 2 3 4,677 4 5 ( ) 6 ( ) 7 8 ( ) 9 10 a. b. E c. ( ) 11 32 33
2. ( 1) 2,000,000 2,000,000 ( ) 5,000,000 5,000,000 ( ) 10,000,000 10,000,000 ( ) 15,000,000 Maria Cristina Helena Gatmaitan Samaniego 15,000,000 ( ) 30,000,000 30,000,000 ( ) 50,000,000 - - ( ) 103 104 $198,422 $187,992, 103 104 10.84% 12.59% 50,000,000 ( ) 100,000,000 - - 100,000,000 - - 18-1 3. 34 35
( ) 104 9 (A) 14 3 (%) / (Alistair Marshall Bulloch) Mark Peter Hand 6 3 66.67% 5 1 55.56% 9 0 100% 104.6.22 1 14 104.8.20 1 15 Maria Cristina Helena Gatmaitan Samaniego 4 1 57.14% 4 1 66.67% 2 0 100% 9 0 100% 8 0 88.89% 104.9.17 104.8.31 104.9.18 104.8.20 1 15 104.10.27 2 1 104.10.27 2 1 Maria Cristina Helena Gatmaitan Samaniego Maria Cristina Helena Gatmaitan Samaniego 9 0 100% 2 0 100% 104.9.18 36 37
104.11.27 1 2 (1) ( ) (%) ( ) (2) ( ) (%) ( ) ( ) ( 1) 104.11.27 105 (%) (%) 1 104 9 18 1. 104 3 ( ) (%) / 3 0 100% 3 0 100% 2. 104 9 A Douglas Farrell Stolberg (%) / ( ) 4 57.14% 104.9.18 6 85.71% 104.9.18 3 0 100% 14 5 38 39
104.2.13 10 104.7.14 12 Douglas Farrell Stolberg (%) (%) ( ) 102 9 27 ( ) 1. ( ) 2. 3. 1. 104 9 18 2. 1. anz.tw 2. 40 41
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, 2 1. 2. 3. 1 103.6.17 10300133490 61 1 1 1. 2. 103 5 5 ( ) 104.2.13 104.3.11 104.3.31 13 104.6.22 14 105 5 31 1. 104 2. 3. 4. 5. 6. 7. 8. 1. 1. 103 2. 103 3. 4. 5. 103 6. 7. 8. 9. 10. 11. 12. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 54 55
104.6.22 104.7.14 104.8.20 15 104.8.20 104.9.8 1 13 104.10.27 2 1 104.12.4 2 1 1. 103 2. 103 3. 103 4. 5. 103 1. 2. 3. 1. 104 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 104 13. 14. 15. 16. 17. 18. 19. 1. 2. 1. 2. 3. 4. 5. 1. 2. 3. 1. 2. 3. 105 4. 5. 105.1.29 2 2 105.3.14 2 3 105.3.22 2 2 105.4.28 2 4 1. 2. 3. 4. 105 5. 6. 7. 1. 2. 104 3. 1. 104 2. 104 3. 4. 5. 104 6. 104 7. 8. SKY 9. TRF DKO 1. 2. 3. 4. 5. 6. ( 105 5 31 ) ( 105 5 31 ) 56 57
104 1 1 12 31 1 2,000 2 2,000 4,000 V V 3 4,000 6,000 4 6,000 8,000 5 8,000 10,000 6 10,000 V V 2 15,180 0 200 0 3,011 3,211 104 1 1 12 31 2 5,937,750 1.14 % 0 0% 5,937,750 1.14 % 1,336,892 0.44 % 0 0% 1,336,892 0.44 % 3,417,440 4.84 % 0 0% 3,417,440 4.84 % 3,750,000 0.28 % 0 0% 3,750,000 0.28 % 156,687 2.61 % 0 0% 156,687 2.61 % 300,000 0.50% 0 0% 300,000 0.50% 58 59
( ) 4 105 5 31 101.10 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 600,000,000 2,256,694,695 243,305,305 2,500,000,000 61
( ) ( ) 105 5 31 - - - - 1 1 - - - - 2,256,694,695 2,256,694,695 - - - - 100% 100% ( ) 105 5 31 % 2,000,001 1 2,256,694,695 100 1 2,256,694,695 100 1 1 103 104 105 3 31 ( 3) - - - - - - - - - 11.18 11.20 11.34 10.55 ( 2) ( 2) 2,256,695 2,256,695 2,256,695 0.86 0.66 0.60 0.81 ( 2) ( 2) - - - 0.63 ( 2) - - - - - - - - - - - - - - - - 1. 2. 104 ( ) 3. ( ) 105 5 31 ( ) % 1. 2,256,694,695 100 0.001% 62 63
2. ( ) 104 104 1 1 104 12 31 ( ) 1. 2. 104,, 3. 0 ( ) 5,697,999 104 (104/1/1 ~ 104/12/31) 1,492,764,632 (1), : (2) : 1,498,462,631 : (447,829,390) 4. - (1,050,633,240) 1 ( ) ( ) 64 65
104 9 105 3 31 6 104 105 3 31 66 67
5 1. 2. 3. 69
3. 1. 103 104 541,050 0.31% 220,459 0.12% 88,924,345 50.64% 84,103,176 45.37% 83,115,645 47.34% 93,537,453 50.46% 3,000,000 1.71% 7,500,000 4.05% 175,581,040 100.00% 185,361,088 100.00% 103 104 3,163,956 50% 2,342,197 42% 2,899,408 46% 2,908,188 53% 277,084 4% 292,808 5% 6,340,448 100% 5,543,193 100% 1 104 103 2. 4. 103 104 1,012,034 0.63% 611,198 0.48% 74,740,353 46.84% 45,528,033 35.66% 4,682,850 2.93% 2,609,099 2.04% 32,118,832 20.12% 29,748,632 23.30% 1,344,222 0.84% 945,691 0.74% 609,186 0.38% 346,427 0.27% 45,062,869 28.24% 47,837,253 37.48% 35,638 0.02% 43,540 0.03% 159,605,984 100.00% 127,669,873 100.00% : (2,221,081) -1.39% (1,979,015) -1.55% 28,201 0.02% 14,301 0.01% 157,413,104 98.63% 125,705,159 98.46% 103 104 275,475,904 80% 263,125,029 79% 45,740,124 13% 47,304,432 14% 21,884,992 7% 20,928,332 6% 343,101,021 100% 331,357,793 100% 104 70 71
( ) 1. 3. ( ) 1. 2. IMF 4 13 104 3.2% 1.5% 2.2% 1-0.84% 3 2. 72 73
29 Greenwich Associates 3. (1) 99 4 17 Bank 3.0 : 4 App PC( ) Smart Phone( ) Pad device( ) (2) (3) 12 (Global Finance Magazine) 101 104 74 75
12 ( 1. (1) APP (2) 2. 1. 102 4 8 (1) 104 (2) 76 77
5.01 5.74 6.16 0.67% 0.96% 0.80% (2) ( ) 2. (1) 103 104 105 4 30 685 745 537 806 615 709 1,491 1,360 1,244 36.56 37.59 38.00 6.30% 6.91% 6.75% - - - 17.91% 18.97% 18.09% 75.12% 73.16% 74.36% 365 299 277 375 383 356 249 224 203 17 13 13 393 345 317 446 388 340 78 79
92 MoneyMinded 100-1000 16 102 20 MoneyMinded( ) 300 ( ) 104 1914 102 12-100 103 8 104 103 1,201 1,318 108,387 107,378 ( ) ( ) ( ) ( ) 300 81 102 11 3 80 81
IBM RS6000/AIX, IBM, 150 Android ios Omni360/FEP ( ) 102 104 8 82 83
105 5 31 102.12.01-105.11.30 101.12.24-104.09.30 101.03.20-105.03.19 102.07.15-105.07.14 105.01.01-105.12.31 104.10.01-105.09.30 104.04.01-106.03.31 94 7 1 103.06.01-105.05.31 DM 102.12.01-104.11.30 99.12.15-105.12.14 103.06.01-105.05.31 101.08.16-104.08.15 103.07.01-106.06.30 103.07.01-106.06.30 103.07.01-106.06.30 1. 2. 102.07.15-105.07.14 102.07.01-105.06.30 102.07.01-105.06.30 102.07.01-105.06.30 84 85
102.12.01-105.06.30 103.04.01-106.03.31 : 104.04.17-105.04.16 104.03.01-107.12.31 1. 2. 104.04.07-105.04.06 3. 4. 5. 6. 7. 104.01.19-109.01.18 103.09.01-104.03.31 SunGard Asia Pacific Inc. 101.06.10-104.10.01 104.01.01-104.06.30 104.05.20-107.09.20 103.02.06-106.02.05 103.02.01-106.01.31 101 86 87
6 ( 1) 101 102 103 104 105 3 31 ( 3) 10,021,690 86,994,459 92,124,600 100,507,137 54,568,196 0 15,801,834 23,326,959 17,315,015 15,477,569 0 491,043 536,174 527,630 503,898-4,201 25,871,245 25,505,054 32,444,331 26,801,429 5 0 0 0 33,298-0 150,938,533 157,413,104 125,705,159 121,362,678 0 46,040,935 42,240,994 53,242,349 47,248,198 0 63,098 66,098 66,098 66,098-0 424,525 619,222 555,447 575,773-0 813,124 775,833 613,204 576,006-5,248 13,562 29,155 49,094 48,800 0 281,832 463,828 332,329 397,171 資產總額 10,031,144 327,734,190 343,101,021 331,357,793 267,659,114 0 132,265,089 113,816,744 87,304,709 53,002,175 0 5,283,000 9,452,134 12,210,868 12,498,895 56,769 15,210,021 12,564,088 14,159,378 9,705,873 0 189,196 215,704 8,410 74,865 0 143,826,703 175,581,040 185,361,088 163,420,968 0 8,348,643 6,656,380 6,148,968 2,409,883 0 234,088 415,539 325,828 306,099 0 567,695 662,327 570,234 659,788 負債總額 56,769 305,924,435 319,363,956 306,089,483 242,078,546 56,769 305,924,435 319,363,956 ( 2) 9,974,375 21,809,755 23,737,065 25,268,310 25,580,568 10,000,000 20,000,000 21,235,437 22,566,947 22,566,947 10,000,000 21,235,437 22,566,947 ( 2) 89
(25,625) 1,755,387 2,400,783 2,567,736 2,903,662 (25,625) 519,950 1,069,273 ( 2) 其他權益 0 54,368 100,845 133,627 109,959 非控制權益 0 0 0 0 0 權益總額 9,974,375 21,809,755 23,737,065 25,268,310 25,580,568 9,974,375 21,809,755 23,737,065 ( 2) 1 101 10 16 102 4 7 102 4 8 2 104 ( ) 3 105 3 31 (25,625) 1,758,791 1,831,078 1,492,765 335,926 0 0 0 0 0 (25,625) 1,792,021 1,927,310 1,531,245 312,259 0 0 0 0 0 (0.02) 0.90 0.81 0.66 0.15 1 101 10 16 102 4 7 102 4 8 2 105 3 31 ( 1) 101 102 103 104 105 3 31 ( 2) 101 25,896 3,194,936 4,421,673 4,244,758 985,489 : 0 1,296,728 1,743,757 1,733,700 421,537 25,896 1,898,208 2,677,916 2,511,058 563,952 0 3,498,484 4,552,868 3,435,350 831,699 102 103 104 25,896 5,396,692 7,230,784 5,946,408 1,395,651 0 (423,380) (32,317) (746,806) (129,868) 56,769 3,813,044 5,055,174 4,988,177 1,149,884 (30,873) 2,007,028 2,207,927 1,705,037 375,635 ( ) 5,248 (248,237) (376,849) (212,272) (39,709) (25,625) 1,758,791 1,831,078 1,492,765 335,926 0 0 0 0 0 ( ) (25,625) 1,758,791 1,831,078 1,492,765 335,926 ( ) 0 33,230 96,232 38,480 (23,667) (25,625) 1,792,021 1,927,310 1,531,245 312,259 90 91
101 102 103 104 0 1,156 1,228 1,098 (0.02) 0.90 0.81 0.66 0 1.95 2.61 2.20 101 102 103 104 % 0 120.23 171.72 106.37 % 0 1.85 1.92 2.05 % 0 106.7 90.9 68.88 % 0 0.06 0.04 0.14 % 0 0.79 0.82 0.71 ( ) 0 0.02 0.02 0.02 ( ) % 0 0.49 0.39 0.59 0 744,948 637,465 757,031 % 0 0.49 0.57 0.56 % 0.02 0.73 0.70 0.65 % 0.35 0.77 0.75 0.74 % 0 0.69 0.68 0.53 ( ) ( ) 0 3,546 4,850 4,372 % (0.26) 8.41 8.04 6.09 % 0 9.67 10.16 7.25 % (0.26) 0.58 0.55 0.44 % (98.95) 32.59 25.32 25.10 ( 20% ) 1. 104 2. 104 6 % 0.57 93.35 93.01 92.37 % % 0 3,167.17 4.69 (3.42) % (22.78) 0 (6,600.92) 10.01 3. 104 104 103 4. 104 % 0.22 34,566.84 14,357.42 13,755.82 % 38.21 47.5 5.1 2.71 % 0 3,270.36 (2,014.61) (7,568.49) 92 93
1 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. 102 103 104 23,016,284 24,769,969 25,486,588 ( 1) 2,256,534 2,074,747 1,146,499 20,759,750 22,695,222 24,340,089 0 0 0 189,796,044 216,801,003 196,826,417 11,475,818 11,513,817 11,278,922 / 15,337,636 14,966,306 5,422,506 216,609,498 243,281,126 213,527,845 10.63% 10.18% 11.94% 9.58% 9.33% 11.40% 9.58% 9.33% 11.40% 4.96% 5.96% 6.41% ( 20% ) 1. 101 10 16 102 4 7 102 4 8 2. 3. 1 2 12.5 3 4 ( + ) 5 6 = 94 95
96 97
7 104 103 ( ) % 100,507,137 92,124,600 8,382,537 9.10 17,315,015 23,326,959 (6,011,944) (25.77) 527,630 536,174 (8,544) (1.59) - 32,444,331 25,505,054 6,939,277 27.21 0 0 0 0.00-125,705,159 157,413,104 (31,707,945) (20.14) 53,242,349 42,240,994 11,001,355 26.04 66,098 66,098 0 0.00-555,447 619,222 (63,775) (10.30) - 613,204 775,833 (162,629) (20.96) - 49,094 29,155 19,939 68.39 332,329 463,828 (131,499) (28.35) 資產總額 331,357,793 343,101,021 (11,743,228) (3.42) 87,304,709 113,816,744 (26,512,035) (23.29) 12,210,868 9,452,134 2,758,734 29.19 14,159,378 12,564,088 1,595,290 12.70 8,410 215,704 (207,294) (96.10) 185,361,088 175,581,040 9,780,048 5.57 6,148,968 6,656,380 (507,412) (7.62) 325,828 415,539 (89,711) (21.59) 570,234 662,327 (92,093) (13.90) 負債總額 306,089,483 319,363,956 (13,274,473) (4.16) 22,566,947 21,235,437 1,331,510 6.27 2,567,736 2,400,783 166,953 6.95 133,627 100,845 32,782 32.51 權益總額 25,268,310 23,737,065 1,531,245 6.45 : 3 20% 1. 99
2. 104 3. 4. : 104 5. 6. 104 (1) (2) (3) ( ) (1) (2) (3) 98,351,889 (36,175,000) 35,000,000 97,176,889 - - ( ) 104 103 % 2,511,058 2,677,916 (166,858) (6.23) 3,435,350 4,552,868 (1,117,518) (24.55) (746,806) (32,317) (714,489) 2,210.88 4,988,177 5,055,174 (66,997) (1.33) : 1,705,037 2,207,927 (502,890) (22.78) 1,492,765 1,831,078 (338,313) (18.48) 104 104 103 104 103 104 104 103 ( ) ( ) 2.71 5.10-46.86 ( ) 13,755.82 14,357.42-4.19 ( ) -7,568.49-2,014.61-275.68 104 104 104 4 178 161 ( ) 104 9 235 225 104 10 18.9 16.9, ( ) 100 101
: ( ) 1. (1) A. (Chief Risk Officer) - - - - - - B. (RMC) - - - 102 103
C. D. - - - E. ( ) (2) 104.12.31 59,571,876 32,711 0 0 ( ) 111,148,927 1,991,489 ( ) 120,729,674 9,416,823 17,898,413 1,085,824 44,377,282 2,575,916 20,107 6,434 1,607,493 105,392 355,353,772 15,214,589 104 105
2. : 3. (1) (ORMMF) 1. 2. 3. A. (KRI) 4. 5. ORMMF ( ) ( ) B. ( ) C. D. E. ( ) : ( ) : ( ) : ( 4 ) ( 3 ) / 106 107
(2) ( 102 6,161,134 103 6,340,312 104 5,544,831 18,046,277 902,314 101 10 16 102 4 7 102 4 8 ( ) 4. (1) C. VAR (Sensitivity Analysis) (DV01) (VAR) (Stress Testing) A. B. D. (CLL) (CLL) E. (2) 104.12.31 407,735 0 26,065 0 433,800 108 109
5. (1) 104.12.31 1 (30 ) (90 ) " " (180 ) ALCO 0 10 11 30 31 90 91 180 181 1 1 318,229,644 51,524,320 47,739,198 69,223,824 45,171,486 41,119,763 63,451,053 329,417,136 43,016,475 60,501,323 106,009,327 39,833,575 28,111,129 51,945,307 (11,187,492) 8,507,845 (12,762,125) (36,785,503) 5,337,911 13,008,634 11,505,746 1.1 (30 ) 30 = (2) 104.12.31 1 30 31 90 91 180 181 1 1 14,085,023 5,545,163 4,928,400 1,732,556 1,405,113 473,791 18,097,164 6,000,789 5,698,374 3,100,084 2,204,540 1,093,377 (4,012,141) (455,626) (769,974) (1,367,528) (799,427) (619,586) 2015 2016 2017 2018 2019 Minimum 60 70 80 90 100 1.2 (90 ) (Wholesale Funding Capacity, WFC) 3 (1 2) 1.3 (180 ) Funding Market Disruption, FMD,, ) 6 110 111
2. (CFR) (CFR) (FinTech) ( ) 35 ( ) 112 113
105 05 31 1. ( ) 2. 3. 114 115
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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 1 2 1 (02) 7708-2800 10 1 2 (02) 7715-3000 1296 1 2 1302 2 (03) 272-3333 412 1 2 3 (04) 3701-4970 83 1 2 (04) 3701-4100 2 285 24 (04) 2323-6680 1 189 7 (06) 700-6800 6 1 14 1 (07) 975-5888 12 1 2 (07) 975-7000 270 271
( )