(02)2716-6261 (02)2716-6261 Corporate.Affairs-tw@sc.com 180182 3210B1 (02)2586-5859 http://www.yuanta.com.tw 205131306 (02)2514-7164 5749 (02)8722-5800 5768 http://www.kpmg.com.tw (02)8101-6666 http://www.standardchartered.com.tw 2
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Letter to Shareholders www.standardchartered.com.tw 5
201010.47%20 5 ECFA 20115.03% 2010 9601,930 201012 0.61%1.15%158.07% 83.07% 201045.2 12%169.5 4%23% 21% 71% 1.627.46 11% 2009 2% 22% PEM 542009 1.41%0.69% 11 51.19% 153.86% 10% 28% 2010 14.19%13.76%2010 29.26.88%8.87% 20101100 20108 twaa+twa-1+10 AAA(twn)F1+(twn)A+ F1 2011 / 201025 Here for good 6
Bank Profile www.standardchartered.com.tw 7
Here for good (Good Bank) ()100%() 100%174 8
Corporate Governance www.standardchartered.com.tw 9
991231 10
1. ( ) 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 11
年報 參 公司治理報告 二 董事 監察人 總經理 副總經理 協理 各部門及分支機構主管資料 ( 一 ) 董事 監察人基本資料 1. 991231 Katherine King-Suen Tsang 98.12.10 3 98.08.31 Alberta Sunil Kaushal 98.12.10 3 97.08.27 Cheng Teck Lim 99.07.30 3 99.07.30 98.12.10 3 96.07.01 Fou Tsong Ling 98.12.10 3 97.11.25 ICAEW 98.12.10 3 98.12.10 AC Nielsen Taiwan EMBA 98.12.10 3 98.12.10 12 13
年報 參 公司治理報告 991231 Norman Lyle 98.12.10 3 95.12.13 Jardine Matheson Grosvenor Asia Pacific Limited Cabinet Top Office Edward Martin Williams 98.12.10 3 98.12.10 Swinburne Michael Thomas Pratt 98.12.10 3 98.12.10 Graduate Diploma in Organisational Behaviour 99.11.22 Advanced Management Programme, or AMP Olga Louise Zoutendijk 99.11.22 98.12.10 3 98.12.10 Jaspal Singh Bindra 99.10.21 98.12.10 3 96.07.01 Xavier Labour Relations Institute, Jamshedpur 14 15
2. 991231 Standard Chartered Bank 100% Standard Chartered Holdings Limited 3. 991231 Standard Chartered Holdings Limited 100% Standard Chartered PLC 4. 991231 1 2 3 4 5 6 7 8 9 10 Katherine King-Suen Tsang Sunil Kaushal Cheng Teck Lim Fou Tsong Ling 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 16
Norman Lyle Edward Martin Williams Michael Thomas Pratt 99.11.22 Olga Louise Zoutendijk 99.11.22 Jaspal Singh Bindra 99.10.21 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 2 3 4 5 6 7 8 9 30 1027 17
年報 參 公司治理報告 ( 二 ) 總經理 副總經理 協理 各部門及分支機構主管資料 991231 97.07.01 0 0 0 0 0 0 97.11.24 0 0 0 0 0 0 Bachelor of Commerce, Bombay University (India); Chartered Accountant from the Institute of Chartered Accountants (India) BA (Honours) in Economic & Accounting, University of Newcastle Upon Tyne; Institute of Chartered Accountants, England and Wales (ICAEW) 1 96.07.01 0 0 0 0 0 0 Executive MBA, Kellogg School of Management, Northwestern University 99.05.07 0 0 0 0 0 0 MBA, University of Toledo, Ohio 97.12.22 0 0 0 0 0 0 98.02.26 0 0 0 0 0 0 Finance, Southern Illinois University 99.10.01 0 0 0 0 0 0 Industrial Management & Engineering, New Jersey Institute of Technology 99.02.12 0 0 0 0 0 0 MBA, Lehigh University 96.07.01 0 0 0 0 0 0 99.08.02 0 0 0 0 0 0 Bachelor of Commerce, The University of Western Australia 98.10.31 0 0 0 0 0 0 MBA, Cal. State University, Dominguez Hills 2 97.11.28 0 0 0 0 0 0 MBA in Finance, St. John's University 97.04.25 0 0 0 0 0 0 MBA, University of Iowa 96.07.01 0 0 0 0 0 0 89.03.06 0 0 0 0 0 0 96.07.01 0 0 0 0 0 0 96.06.08 0 0 0 0 0 0 99.09.16 0 0 0 0 0 0 96.07.01 0 0 0 0 0 0 99.08.18 0 0 0 0 0 0 99.05.03 0 0 0 0 0 0 96.07.01 0 0 0 0 0 0 99.04.20 0 0 0 0 0 0 Finance (MBA), Oklahoma City University 99.02.01 0 0 0 0 0 0 99.04.19 0 0 0 0 0 0 97.10.13 0 0 0 0 0 0 98.11.14 0 0 0 0 0 0 18 19
年報 參 公司治理報告 94.12.30 0 0 0 0 0 0 99.07.01 0 0 0 0 0 0 99.10.01 0 0 0 0 0 0 94.12.30 0 0 0 0 0 0 95.04.01 0 0 0 0 0 0 95.04.01 0 0 0 0 0 0 98.06.01 0 0 0 0 0 0 96.07.01 0 0 0 0 0 0 99.07.01 0 0 0 0 0 0 99.04.01 0 0 0 0 0 0 96.07.01 0 0 0 0 0 0 98.11.14 0 0 0 0 0 0 99.10.01 0 0 0 0 0 0 98.03.01 0 0 0 0 0 0 97.11.01 0 0 0 0 0 0 96.07.01 0 0 0 0 0 0 94.12.30 0 0 0 0 0 0 99.04.01 0 0 0 0 0 0 98.07.01 0 0 0 0 0 0 98.11.01 0 0 0 0 0 0 99.10.01 0 0 0 0 0 0 97.07.01 0 0 0 0 0 0 97.11.01 0 0 0 0 0 0 99.03.01 0 0 0 0 0 0 99.04.01 0 0 0 0 0 0 96.07.01 0 0 0 0 0 0 98.04.27 0 0 0 0 0 0 98.03.01 0 0 0 0 0 0 98.08.03 0 0 0 0 0 0 20 21
年報 參 公司治理報告 參 公司治理報告 99.10.01 0 0 0 0 0 0 99.04.01 0 0 0 0 0 0 99.03.01 0 0 0 0 0 0 MBA, Uinversity of Michigan 98.03.01 0 0 0 0 0 0 98.08.17 0 0 0 0 0 0 98.12.01 0 0 0 0 0 0 98.07.01 0 0 0 0 0 0 98.11.01 0 0 0 0 0 0 97.06.01 0 0 0 0 0 0 99.03.01 0 0 0 0 0 0 99.03.01 0 0 0 0 0 0 99.03.01 0 0 0 0 0 0 99.03.01 0 0 0 0 0 0 95.04.01 0 0 0 0 0 0 94.12.30 0 0 0 0 0 0 97.06.01 0 0 0 0 0 0 98.11.01 0 0 0 0 0 0 99.03.01 0 0 0 0 0 0 98.07.01 0 0 0 0 0 0 96.07.01 0 0 0 0 0 0 99.04.01 0 0 0 0 0 0 97.07.24 0 0 0 0 0 0 96.09.28 0 0 0 0 0 0 97.11.01 0 0 0 0 0 0 98.07.01 0 0 0 0 0 0 99.03.01 0 0 0 0 0 0 99.03.22 0 0 0 0 0 0 99.03.01 0 0 0 0 0 0 98.11.01 0 0 0 0 0 0 22 23
年報 參 公司治理報告 99.04.19 0 0 0 0 0 0 97.06.01 0 0 0 0 0 0 99.04.19 0 0 0 0 0 0 MBA, Southern Illinois University at Carbondale Carbondale 98.07.01 0 0 0 0 0 0 93.10.26 0 0 0 0 0 0 97.11.01 0 0 0 0 0 0 98.06.08 0 0 0 0 0 0 Statistics, Economics and Analytics, National Chung Hsing University 99.03.01 0 0 0 0 0 0 98.12.01 0 0 0 0 0 0 99.06.01 0 0 0 0 0 0 99.09.01 0 0 0 0 0 0 97.06.01 0 0 0 0 0 0 99.03.01 0 0 0 0 0 0 99.01.01 0 0 0 0 0 0 98.11.01 0 0 0 0 0 0 98.07.01 0 0 0 0 0 0 99.04.01 0 0 0 0 0 0 97.12.27 0 0 0 0 0 0 98.05.04 0 0 0 0 0 0 MBA, St. Louis University 98.11.01 0 0 0 0 0 0 98.07.01 0 0 0 0 0 0 98.10.16 0 0 0 0 0 0 International Management, Australian National University 99.01.11 0 0 0 0 0 0 97.06.01 0 0 0 0 0 0 98.10.28 0 0 0 0 0 0 Dept. of Business Administration, National Central University 99.08.16 0 0 0 0 0 0 Executive MBA in Finance, Natioanal Chengchi University 99.08.16 0 0 0 0 0 0 Dept. of International Trade, Chung Yu Junior College of Business Administration 96.07.01 0 0 0 0 0 0 97.11.01 0 0 0 0 0 0 1 2 24 25
年報 參 公司治理報告 ( 三 ) 九十九年度支付董事 ( 含獨立董事 ) 監察人 總經理及副總經理之酬金 1. (1) 董事 ( 含獨立董事 ) 之酬金 A B C D ABCD % E F G H ABCDEFG Katherine King-Suen Tsang Sunil Kaushal Cheng Teck Lim Fou Tsong Ling Michael Thomas Pratt (99.11.22) Olga Louise Zoutendijk (99.11.22) Jaspal Singh Bindra (99.10.21) 2,741 2,741 46,957 46,957 1.70% 1.70% $15,147 26 27
(2) A+B+C+D A+B+C+D+E+F+G I J 2,000,000 2,000,0005,000,000 5,000,00010,000,000 10,000,00015,000,000 15,000,00030,000,000 2 2 3 3 28
2. (1) (A) (B) (C) ABCD (D) (%) Norman Lyle Edward Martin Williams 820 820 0.03% 0.03% (2) A+B+C+D 2,000,000 2,000,0005,000,000 5,000,00010,000,000 10,000,00015,000,000 15,000,00030,000,000 1 1 29
年報 參 公司治理報告 3. (1) 總經理及副總經理之酬金 A B C D ABCD % 70,209 70,209 70,264 70,264 4.81% 4.81% $22,936 (2) 酬金級距表 4. 2,000,000 2,000,0005,000,000 5,000,00010,000,000 10,000,00015,000,000 15,000,00030,000,000 11 11 30 31
99 98 1.70% 0.03% 4.81% 32
13 Katherine King-Suen Tsang Sunil Kaushal Cheng Teck Lim 12 1 92% 13 0 100% 6 1 86% 99.7.30 7 13 0 100% Fou Tsong Ling 13 0 100% 9 1 69% 10 0 77% Olga Louise Zoutendijk Michael Thomas Pratt Jaspal Singh Bindra 2 6 18% 99.11.22 11 3 7 27% 99.11.22 11 2 8 20% 99.10.21 10 143,, 33
13 (%) Norman Lyle Edward Martin Williams 8 62% 11 85% 1. 2. 3. 1. 2. 1. 2. 3-1 3-2 3233 33-133-5 1. 981210 2. 1. 34
1. 2. 1. 2. 1. (EXCO) 1. 2. 3. 4. 5. 6. 7. 8. 35
1. 2. 2010 3. (1) (2) CSR Committee 36
1. CDP 2010 FTSEFTSE350 2. 20,000 6% 21% FTSE 350 CDP FTSE350 CDP 3. 2008-20102.8 4. 2010 70 LED 20105 2010 12 1. 37
2. 3. 1. 2. 3. 4. 5. 1. /24 2. 3. 38
1. 2. 6064 1. 20082010 DJSI 2. 2010FTSE4Good 3. 1620113 6064 6064 http://newmops.twse.com.tw http://newmops.twse.com.tw 39
1. 40
991231 99.09.17 6111 (99.09.1709900250190) PEM 99.09.17 6111 (99.09.1709960005386) 1. 975 2. 975985 996 3. 2. (88)()18311 41
1. 1. 999 3105(99.10.05) 2. 3. 4. 5. 1. 611 (98.07.14) 2. 6111(99.09.17) 3. PEM61 11(99.09.17) 6. 99.01.27 1. 2. 99.02.26 1. 2. 3. 1. 2. 1. 2. 3. 42
99.03.30 1. 98 2. 98 3. 98 4. 5. 6. 7. 8. 9. 99.04.26 1. 2. 99.05.27 1. 98 2. ATM 99.06.28 1. 98 2. 98 3. 4. 99.07.30 1. 2. 99.08.26 1. 99 2. (1) (2) 1. 2. 3. 4. 5. 6. 7. 8. 9. 1. 2. 1. 2. 1. 2. 3. 4. 1. 2. 1. 2. 99.09.21 1. 1. 99.10.06 1. 1. 99.10.22 1. 2. 99.11.23 1. 2. 100 3. 4. 99.12.15 1. 2. 3. 1. 2. 1. 2. 3. 4. 1. 2. 3. 43
99 1 2,000 2 2,0004,000 3 4,0006,000 4,544 4 6,0008,000 5 8,00010,000 6 10,000 13,976 18,520 13,976 4,544 4,544 99.01.01-99.12.31 IFRS Group report $2,504 $2,040 44
991231 45
300,000 100.00% 300,000 100.00% 300,000 100.00% 300,000 100.00% 630,000 3.18% 630,000 3.18% 3,417,440 4.84% 3,417,440 4.84% 3,943,335 0.99% 3,943,335 0.99% 1,007,969 4.76% 1,007,969 4.76% 4,550,000 1.14% 4,550,000 1.14% 18,850,000 2.73% 18,850,000 2.73% 5,000,000 2.94% 5,000,000 2.94% 197,412 3.35% 197,412 3.35% 494,852 0.17% 494,852 0.17% 2,025,000 5.00% 2,025,000 5.00% 84,980 1.42% 84,980 1.42% 13,346,123 5.24% 13,346,123 5.24% 46
Fund Raising www.standardchartered.com.tw 47
99.12.31 10 3,000,000,000 30,000,000,000 2,910,571,976 29,105,719,760 2,910,571,976 89,428,024 3,000,000,000 2,910,571,976 10 991231 0 0 0 0 1 1 0 0 0 0 2,910,571,976 2,910,571,976 (%) 0 0 0 0 100 100 100% 991231 (%) 1,000,001 1 2,910,571,976 100 1 2,910,571,976 100 48
991231 (%) (Standard Chartered Bank) 2,910,571,976 100 1. 112 2. 3. 112 49
98-1 98-2 98-3 09800417430 09800417430 09800417430 98.10.28 98.12.11 98.12.11 10 1000 1000 100 100 100 10,000,000 150,000 150,000 2.9% 104.06.11 104.06.11 3.4% 3.33% 104.06.11 3.33%104.06.11 4.33% 4.33% 10108.10.28 10,000,000 150,000 150,000 24,855,720 24,855,720 24,855,720 31,599,000 31,599,000 31,599,000 50
104.06.11 104.06.11 93.76% 93.83% 93.83% 98.10.27, AA(twn) 51
99100 1. 98-19810281001 2. 98-298-39812111003 3. 991231 981231 971231 308,092,137 269,976,138 263,555,248 38,115,999 6,420,890 23,998,217 14.19% 13.76% 10.07% 0.43% 3.69% 1.39% 52
Operations Overview www.standardchartered.com.tw 53
1. 2. 1. (1) 991231 981231 (%) (%) (%) 219,730,793 36.50 194,831,683 41.44 12.78 204,402,184 34.00 101,109,499 21.50 102.16 173,831,849 28.90 169,908,865 36.14 2.31 3,475,229 0.60 3,485,983 0.74 (0.31) 191,252 0.00 767,371 0.16 (75.08) 89,109 0.00 91,994 0.02 (3.14) 601,720,416 100.00 470,195,395 100.00 27.97 54
(2) 991231 981231 (%) (%) (%) 3,646,019 1.05 2,637,315 0.84 38.25 21,819,523 6.27 30,516,779 9.68 (28.50) 13,090,861 3.76 9,127,235 2.89 43.43 56,462,317 16.22 57,681,758 18.29 (2.11) 5,355,496 1.54 8,021,854 2.54 (33.24) 6,922,590 1.99 11,212,658 3.56 (38.26) 239,351,734 68.74 193,059,868 61.22 23.98 1,550,130 0.45 3,102,856 0.98 (50.04) 348,198,670 100.00 315,360,323 100.00 10.41 2. 99 98 (%) 601,720,416 470,195,395 131,525,021 27.97 348,198,670 315,360,323 32,838,347 10.41 6,986,325 8,590,738 (1,604,413) (18.68) 2,937,876 2,914,194 23,682 0.81 99 98 (%) 169,631,910 239,938,925 (70,307,015) (29.30) 179,840,217 113,552,228 66,287,989 58.38 182,315,076 158,948,706 23,366,370 14.70 3,146,929 2,442,452 704,477 28,84 5,277,909 2,890,580 2,387,329 82.59 190,739,914 164,281,738 26,458,176 16.11 55
1. (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) 2. (1) (2) (3) 1. 2011 20109.7%4.6% 2010676% 2011 2. 2010 2011 56
3. 1. 2. (1) (2) 1. (1) (2) (3) (4) (5) (6) (7) 57
2. (1) (2) (3) (4) 58
99 98 100228 50 77 86 107 40 872 928 1,075 30 2,093 2,044 2,107 20 973 822 698 20 0 0 0 4,015 3,880 3,987 34.60 35.20 35.75 7.14 7.08 7.22 0.05% 0.05% 0.05% 15.59% 14.71% 15.35% 73.75% 74.52% 73.94% 10.54% 10.67% 10.61% 0.07% 0.05% 0.05% 320 309 313 900 940 888 188 294 180 409 421 403 16 20 16 325 290 329 3,730 3,619 3,678 14 14 13 156 161 155 493 504 488 1,457 1,390 1,440 1,582 1,595 1,566 291 260 284 1,420 1,577 1,598 39 28 41 6 5 6 19 17 19 690 416 725 () 796 744 786 1,323 1,295 1,318-1,620 1,465 1,637-433 421 432 233 285 229 59
99 98 26,439 18,936 7,914 5,546 1,193 914 1,131 792 2010 3,6583,381.527,052 7 1011016,000 205101 2010 240 43 3D 2010 60
2010 Seeing is Believing 1993 20042,0001,020 1,020 2010 20105-1,0001,000 1,800205 201010 240 201077 Here for good 12 61
1002001221 Living with HIV Living with HIV - 201051402008 3D 201011Living with HIV2010 3D 201012AIESEC2010 3D4350 15,0003,6003D18,000 20102 20109Living with HIV 201011 201070 LED 62
20105 2010 12 20104 20106122010 85 20109 20109 201010418 11 201010 201011 2010 20104 63
2010960 20105 20107 20108 20108 20108 20109 201010700 15 201011 201012 1. CLX : HP NonStop Server S88012OS Nonstop kernel G06.24 2. STK : HP NonStop Server S74004OS Nonstop kernel G06.19 1. 2. 3. 1. 2. 3. 64
4. 5. 6. 7. 8. 1. 2. 3. A. LPA B. LPA % () C. % D. 1. 2. 3. 65
Atos Origin HK 2010/01/01 2016/12/31 2009/10/01 2012/09/30 2010/08/01 / 2013/07/31 2007/10~2015/09 12,005,275 10,204,484 1,800,791 13,234,322 10,322,7712,911,551 1,800,7912,911,551 66
Financial Highlights www.standardchartered.com.tw 67
20112 28 2010 2009 2008 2007 2006 107,155,919 119,564,299 114,479,587 47,677,767 34,426,520 102,578,445 28,405,970 28,514,878 39,295,509 25,466,317 26,648,345 30,800,694 0 0 1,179,467 0 0 0 0 0 1,794,670 0 0 0 178,338,617 108,235,427 121,529,284 78,376,287 52,191,033 185,974,869 344,500,675 313,086,588 310,526,139 290,276,544 292,427,161 351,244,017 26,956,704 27,262,328 27,530,677 23,395,936 9,521,656 24,246,045 76,692 368,502 273,667 455,318 682,864 93,719 7,253,113 7,589,391 7,974,132 7,407,436 7,915,222 7,186,231 3,408,715 3,516,119 3,784,134 541,430 0 3,278,627 445,803 340,118 403,869 229,722 235,615 450,866 5,410,310 7,964,904 7,714,076 6,736,876 5,103,843 5,390,449 701,952,518 616,442,554 636,485,211 480,563,633 429,152,259 711,243,962 10,647,359 49,355,596 21,038,002 26,102,625 14,791,312 17,092,014 601,720,416 470,195,395 514,039,270 380,960,938 351,231,310 591,445,834 19,801,306 19,961,310 30,594,969 20,331,565 44,331 18,798,188 0 0 412,853 1,145,992 17,778,465 0 19,224,205 29,500,120 19,725,868 14,811,900 24,266,820 19,027,078 12,269,444 12,421,088 19,075,249 13,396,863 6,143,190 24,870,480 663,662,730 581,433,509 604,886,211 456,749,883 414,255,428 671,233,594 663,662,730 581,433,509 604,886,211 456,749,883 414,255,428 29,105,720 29,105,720 24,855,720 21,575,720 16,545,167 29,105,720 5,786,031 10,430,441 6,183,410 5,049,515 225,000 5,786,031 2,922,991 (4,644,410) 17,915 (2,145,349) (1,871,122) 4,613,019 2,922,991 (4,644,410) 17,915 (2,145,349) (1,871,122) 373,167 28,128 352,768 (888,436) (383,517) 411,741 101,879 89,166 189,187 222,300 381,303 93,857 0 0 0 0 0 0 38,289,788 35,009,045 31,599,000 23,813,750 14,896,831 40,010,368 38,289,788 35,009,045 31,599,000 23,813,750 14,896,831 20102006-2009 68
2010 2009 2008 2007 2006 2011228 8,911,419 8,539,126 10,313,594 9,014,110 7,614,852 1,332,699 8,039,597 6,549,521 8,096,615 7,966,539 4,864,918 1,209,806 16,951,016 15,088,647 18,410,209 16,980,649 12,479,770 2,542,505 1,453,276 7,628,170 7,711,246 8,003,862 11,607,776 (9,886) 10,976,520 12,335,065 11,651,107 10,081,776 6,789,811 1,806,725 4,521,220 (4,874,588) (952,144) (1,104,989) (5,917,817) 745,666 2,922,991 (4,662,325) 17,915 (498,357) (5,218,484) 638,686 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 66,607 0 2,922,991 (4,662,325) 17,915 (498,357) (5,151,877) 638,686 ) 1.00 (1.86) 0.01 (0.26) (3.16) 0.22 2010 2009 2008 2007 2006 69
2011 228 2010 2009 2008 2007 2006 57.87 67.07 61.13 76.76 84.14 59.89 0.69 1.41 2.57 2.83 2.18 0.69 0.56 0.97 1.67 1.93 1.74 0.11 3.63 3.94 5.53 5.47 4.71 0.53 0.02 0.03 0.03 0.04 0.03 0.004 4,222 3,874 3,934 3,729 3,714 638 728 (1,197) 4 (109) (1,533) 160 15.30 (20.49) (4.66) (6.65) (34.74) 2.31 0.44 (0.74) 0.01 (0.11) (1.24) 0.09 7.98 (14.00) 0.06 (2.57) (28.16) 1.63 17.24 (30.90) 0.10 (2.93) (41.28) 25.12 1.00 (1.86) 0.01 (0.26) (3.16) 0.22 94.55 94.32 95.04 95.04 96.53 94.37 18.94 21.68 25.28 32.20 53.13 17.96 13.87 (3.15) 32.45 11.98 6.74 1.32 192.75 (411.96) 13.83 (81.33) (276.99) (0.83) 15.14 (1.45) 51.55 30.91 (62.31) 675.92 822.82 699.62 305.40 71.60 (6.52) 9.80 (93.43) (413.14) (112.71) 37.98 23.56 30.07 22.35 14.95 40.81 2,137,212 1,223,845 1,488,132 2,748,116 2,001,043 2,541,558 0.57 0.36 0.45 0.89 0.66 0.68 1.92 1.79 1.88 1.55 1.40 1.941 1.70 1.62 1.56 1.12 0.83 1.721 2.20 1.82 1.30 1.69 1.60 2.181 1.65 1.63 1.62 1.50 1.64 1.661 1. 70
120112 2 1. (1) (2) (3) (4) (5) (6) (7) 2. (1) (2) (3) (4) (5) 3. (1) (2) 4. (1) (2) 5. (1) (2) (3) 6. 7. (1) (2) (3) (4) 71
2010 2009 2008 2007 2006 29,105,720 29,105,720 24,855,720 21,575,720 16,545,167 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5,786,031 10,430,441 6,183,410 5,049,515 225,000 0 5,374 0 0 3,228,441 0 0 0 332 332 2,922,991 (2,324,893) 17,915 (1,072,841) (5,099,895) 0 0 0 0 0 (877,638) (1,213,541) (1,371,671) (1,107,275) 0 3,156,048 3,156,048 3,384,383 0 0 0 0 0 0 0 949,335 6,607,859 4,950,446 4,914,902 1,201,445 32,831,721 26,239,195 21,350,545 19,530,549 13,697,601 0 0 0 0 0 9,109,629 19,597,407 10,000,000 10,000,000 10,000,000 363,949 381,303 381,303 381,303 381,303 45% 1 444,931 427,289 689,546 26,926 138,481 0 0 0 0 0 0 0 0 0 1,428,736 10,000,000 10,000,000 8,762,968 4,800,000 2,259,272 0 0 0 0 0 0 0 0 0 0 0 (2,324,893) 0 (1,072,841) 0 245,108 456,465 452,833 563,427 510,192 19,673,401 27,624,642 19,380,984 13,571,961 13,697,600 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 52,505,122 53,863,836 40,731,529 33,102,510 27,395,201 72
(2) 307,469,370 314,873,303 331,477,325 314,828,550 0 0 0 0 0 0 0 0 0 0 0 33,762,611 34,866,993 35,774,925 33,091,135 0 0 0 0 0 0 0 0 0 0 0 28,841,002 31,688,991 37,278,206 33,635,550 0 0 0 0 0 0 370,072,983 381,429,287 404,530,456 381,555,235 302,107,124 14.19 13.76 10.07 8.68 9.07 % 8.87 6.88 5.28 5.12 4.53 % 5.32 6.88 4.79 3.56 4.53 % 0.00 0.00 0.00 0.00 0.00 %) 4.15 4.72 3.91 4.49 3.86 12007BASEL II 2BASEL II200650% 3 1. 2. 12.5 3. 4. 5. 6. 7. 73
Norman Lyle Edward Martin Williams 74
0980002150 (88)()18311 75
99.12.31 98.12.31 11000 (()) $ 7,503,661 5,808,959 29 11500 (()) 99,652,258 113,755,340 (12) 12000 (()()) 28,405,970 28,514,878-13000 (()()()) 26,956,704 27,262,328 (1) 13500 (()()) 344,500,675 313,086,588 10 14000 (()()) 178,338,617 108,235,427 65 15000 (()) 76,692 368,502 (79) 15500 (()()) 445,803 340,118 31 18500 (()) 7,253,113 7,589,391 (4) 19000 (()()()) 3,408,715 3,516,119 (3) 19500 (()()) 5,410,310 7,964,904 (32) $ 701,952,518 616,442,554 14 76
99.12.31 98.12.31 21000 () $ 10,647,359 49,355,596 (78) 22000 (() ()) 19,801,306 19,961,310 (1) 23000 (()) 6,734,441 6,408,514 5 23010 () 2,008,720 2,577,875 (22) 23500 (()) 601,720,416 470,195,395 28 24000 (()) 19,224,205 29,500,120 (35) 25500 (()) 358,260 331,065 8 29500 (()) 3,168,023 3,103,634 2 663,662,730 581,433,509 14 (()()()) 31000 1099981231 3,000,0002,910,572 29,105,720 29,105,720-31500 5,786,031 10,430,441 (45) 32002-5,374 (100) 32012 () 2,922,991 (4,649,784) 163 2,922,991 (4,644,410) 163 32503 363,949 381,303 (5) 32523 373,167 28,128 1,227 32525 66,283 3,253 1,938 32544 (328,353) (295,390) (11) 475,046 117,294 305 38,289,788 35,009,045 9 (()()) $ 701,952,518 616,442,554 14 77
99 98 41000 (()()) $ 11,938,256 13,332,390 (10) 51000 () 3,026,837 4,793,264 (37) 8,911,419 8,539,126 4 49100 (()) 5,230,746 3,388,655 54 49200 (()) 1,918,992 1,448,951 32 49300 (()) 51,864 233,778 (78) 49500 (()) 87,556 297,240 (71) 49600 () (170,243) 772,839 (122) 49700 (103,520) (45,203) (129) 48021 () 745,691 361,307 106 49800 (()()()) 278,511 91,954 203 16,951,016 15,088,647 12 51500 (()()) 1,453,276 7,628,170 (81) 58500 (()()()) 5,983,753 6,092,847 (2) 59000 (()()) 614,361 646,288 (5) 59500 () 4,378,406 5,595,930 (22) 10,976,520 12,335,065 (11) () 4,521,220 (4,874,588) 193 63003 ()(()) 1,598,229 (212,263) 853 () $ 2,922,991 (4,662,325) 163 78
69500 ()()(()) $ 1.55 1.00 (1.94) (1.86) 79
年報 陸 財務概況 渣打國際商業銀行股份有限公司股東權益變動表 () () () $ 24,855,720 6,183,410-17,915 381,303 352,768 - (192,116) 31,599,000 (()) 4,250,000 4,247,031 - - - - - - 8,497,031 (()) - - 5,374 (5,374) - - - - - - - - (4,662,325) - - - - (4,662,325) ()(()) - - - - - (324,640) - - (324,640) ()(()()) - - - - - - 3,253-3,253 - - - - - - - (103,274) (103,274) 29,105,720 10,430,441 5,374 (4,649,784) 381,303 28,128 3,253 (295,390) 35,009,045 (()) - (4,644,410) - 4,644,410 - - - - - (()) - - (5,374) 5,374 - - - - - - - - 2,922,991 - - - - 2,922,991 - - - - (17,354) - - - (17,354) ()(()) - - - - - 345,039 - - 345,039 ()(()()) - - - - - - 63,030-63,030 - - - - - - - (32,963) (32,963) $ 29,105,720 5,786,031-2,922,991 363,949 373,167 66,283 (328,353) 38,289,788 80 81
99 98 () $ 2,922,991 (4,662,325) 524,595 551,958 89,766 94,330 1,453,276 7,628,170 11,386 28,866 () (56,688) 288,986 (51,864) (233,778) (87,556) (297,240) 103,520 45,203 (745,691) (361,307) () 1,168,520 (361,838) (123,122) (123,122) 367 - (1,271) - (45) (98) 298,210 202,405-1,179,467 108,908 10,783,884 () (124,376) 268,349 () 109,555 (229,551) 274,809 1,065,427 (160,004) (10,732,147) () 325,927 (6,403,291) () (569,155) 658,748 () 155,849 (487,821) () 5,627,907 (1,096,725) (600,751,643) (468,223,217) 531,093,122 481,518,941 82
81,156 - - 189,284 (358,439) (292,027) 60,536 149,681 1,126,454 99,812 (()) - 224,291 () 14,103,082 (14,946,694) (32,919,598) (12,343,620) 1,228,381 2,431,202 39,336 - (11,882) (7,789) - 4,242 (86,309,495) (11,195,894) - (412,853) - 19,699,039 (10,469,480) (9,826,299) - 8,497,031 () (38,708,237) 28,317,594 () 131,554,007 (43,843,875) 82,376,290 2,430,637 () 1,694,702 (9,861,982) 5,808,959 15,670,941 $ 7,503,661 5,808,959 $ 2,945,644 6,027,208 $ 132,453 252,384 () $ 345,039 (324,640) 83
() () ( ) () () 4,0153,895 84
B () B ()()() () 1. 2. 3. 85
86
() 1. 2. 3. 4. () 87
88
() () () () () 89
()(96)052 ( ) () 2,000() 90
() 99.12.31 98.12.31 $ 4,981,364 4,302,736 379,579 443,271 2,142,718 1,062,952 $ 7,503,661 5,808,959 () 99.12.31 98.12.31 $ 12,620,522 3,200,573 15,020,523 13,628,425 112,353 105,572 688,879 576,292 28,442,277 17,510,862 30,736,162 33,084,623 40,473,819 63,159,855 71,209,981 96,244,478 $ 99,652,258 113,755,340 () 99.12.31 98.12.31 $ 8,384,584 7,801,409 20,021,386 20,713,469 $ 28,405,970 28,514,878 $ 99,468-19,701,838 19,961,310 $ 19,801,306 19,961,310 91
() 99 98 $ 137,343 89,899 1,781,649 1,359,052 $ 1,918,992 1,448,951 $ 276,260 267,967 () 99.12.31 98.12.31 $ 939,643 337,546 423,679 708,509 16,858,972 16,044,809 1,495,563 1,509,772 6,261,378 7,223,801 5,831,152 6,141,413 211,256 321,368 761,130 506,521 32,782,773 32,793,739 648,642 76,756 5,177,427 5,454,655 $ 26,956,704 27,262,328 GVEC Resource Iv Inc. (GVEC)GVECPEM 192,033PEM 170,000 92
() 99.12.31 98.12.31 $ 3,646,019 2,637,315 21,819,523 30,516,779 13,090,861 9,127,235 56,462,317 57,681,758 5,355,496 8,021,854 6,922,590 11,212,658 239,351,734 193,059,868 1,550,130 3,102,856 348,198,670 315,360,323 3,697,995 2,273,735 $ 344,500,675 313,086,588 99 $ 7,101,184 703,962 7,805,146 () 76,559 1,376,262 1,452,821 1,703,764-1,703,764-1,090,294 1,090,294 2,250,594-2,250,594 277,367-277,367 $ 6,353,546 3,170,518 9,524,064 98 $ 2,576,909 1,203,510 3,780,419 () 8,152,378 (499,548) 7,652,830 2,274,048-2,274,048 5,815,186-5,815,186 86,965-86,965 $ 7,101,184 703,962 7,805,146 93
9,524,0643,697,995( )5,826,0697,805,1462,273,735 ()5,531,411 1,453,2761,452,821 4557,628,1702,198,175 5,454,65524,660 311,509423,445 1,550,1303,102,856 57,15627,714 99.12.31 98.12.31 $ 335,290,992 306,532,870 12,907,678 8,827,453 $ 348,198,670 315,360,323 99.12.31 528,461 29,433,019 1.80% 657,088 124.34% 465,694 38,375,145 1.21% 981,559 210.77% 1,126,520 226,152,615 0.50% 419,149 37.21% 282,803 50,980,776 0.55% 1,640,199 579.98% - 3,249,880 -% - -% - 7,235 -% - -% 2,403,478 348,198,670 0.69% 3,697,995 153.86% 21,520 6,261,378 0.34% 641,341 2980.21% - 16,858,972 - % - -% 98.12.31 813,737 23,230,899 3.50% 330,393 40.60% 885,384 55,217,370 1.60% 1,039,721 117.43% 2,436,600 186,664,327 1.31% 455,150 18.68% 306,396 47,326,707 0.65% 448,471 146.37% - 2,617,285 -% - - % - 303,735 -% - -% 4,442,117 315,360,323 1.41% 2,273,735 51.19% 43,173 7,223,801 0.60% 66,785 154.69% - 16,044,809 -% - -% 94
99.12.31 98.12.31 $ 35,479 135,325 37,914 176,821 434,143-394,252 - () $ 469,622 135,325 432,166 176,821 99.12.31 98.12.31 $ 14,859,307 9,985,487 15,942,101 16,164,082-192,977 136,278,708 66,895,496 5,599,489 5,376,000 856,927 4,892,330 173,536,532 103,506,372 4,802,085 4,729,055 $ 178,338,617 108,235,427 $ 47,818 255 () 99 98 $ 28,128 352,768 () 396,903 (90,862) 51,864 233,778 $ 373,167 28,128 12,005,275 10,204,484 1,800,791 95
13,234,322 10,322,771 2,911,551 1,800,7912,911,551 1. 99.12.31 () 30.00 20.00 0.24 0.47 () 1.50 2.00 2.60 2.60 98.12.31 () 30.00 20.00 0.73 1.33 () 1.50 2.50 2.60 2.60 2. 10 99.12.31 $ 1,731,090 2,718,454 10 (35) (7,095) 10 (110) (7,383) 98.12.31 $ 1,725,467 2,633,445 10 (347) (7,964) 10 (650) (3,510) 96
3. 4. 99 $ 43,976 67,889 5,000 5,000 245 442 (184) (442) 98 $ 68,117 94,237 5,000 5,000 529 2,110 (530) (1,933) 97
() 99.12.31 98.12.31 100.00 $ 21 65,175 100.00 21 343,738 100.00 368 11,517 100.00 368 24,764 - - - 20.00 98,400 95,747 389 76,692 98,789 464,249 - - - 95,747 $ 389 76,692 98,789 368,502 () () 0.99 $ - - 0.99 38,065 38,065 () 4.84 29,000 29,000 4.84 29,000 29,000 () 1.14 45,500 45,500 1.14 45,500 45,500 () 3.18 6,673 6,673 3.18 6,673 6,673 () 5.00 20,250 20,250 5.00 20,250 20,250 () 4.76 10,080 10,080 4.76 10,080 10,080 () 2.73 188,500 188,500 2.73 188,500 188,500 () 2.94 50,000 50,000 2.94 50,000 50,000 () 1.42 849 849 1.42 849 849 () (()) 3.35 2,468 2,468 3.35 2,468 2,468 () 0.17 9,277 9,277 0.17 9,277 9,277 () 5.24 94,546 94,546 5.24 94,546 94,546 457,143 457,143 495,208 495,208-218,044-202,969 $ 457,143 239,099 495,208 292,239 ()6,400297,240 298,210202,405 ()19,871 16,731 ()673 98
() 95,747081,156 ()81,156 () 99.751039,33638,0651,271 () () 99.12.31 98.12.31 $ 3,676,554 3,734,784 3,431,991 3,461,529 829,915 972,783 3,210 6,700 806,725 531,490 1,639,574 2,633,947 10,387,969 11,341,233 3,151,683 3,801,953 7,236,286 7,539,280 15,200 13,826 1,627 36,285 $ 7,253,113 7,589,391 99 98 $ 3,777,905 4,009,495 512,373 518,396-27,562 1,135,474 777,548 3,121 - $ 3,151,683 3,777,905 99
() 99.12.31 98.12.31 $ 3,156,048 3,156,048 119,795 154,333 132,872 205,738 $ 3,408,715 3,516,119 3,156,048() 89,76694,330( ) () 99.12.31 98.12.31 $ 3,590,142 4,778,567 ( 138,27325,035) ( 0 181,168) 501,589 835,582 354,168 1,111,532 601,772 613,542 362,639 625,681 $ 5,410,310 7,964,904 $ 39,299 32,732 29,879 27,202 25,367 $ 154,479 100
() 99.12.31 98.12.31 $ 3,475,229 3,485,983 173,831,849 169,908,865 204,402,184 101,109,499 132,797,277 128,563,288 86,933,516 66,268,395 191,252 767,371 89,109 91,994 $ 601,720,416 470,195,395 $ 2,651 31,637 () 99.12.31 98.12.31 91-1A 94-1 94-2 98-1 98-2 98-3 4.25 4.596.7.19 1.493 1.493 2.9 3.4108.10.28 104.06.11 3.33104.06.11 4.33 104.06.11 3.33104.06.11 4.33 $ 1,200 1,200 18,300 7,636,700-2,363,300 10,000,000 10,000,000 4,554,814 4,798,704 4,554,814 4,798,704 19,129,128 29,598,608 95,077 (98,488) $ 19,224,205 29,500,120 101
91-1A8,000,000 94-194-2 10,000,000() 94-194-2 94-2 98-110,000,000 98-298-3 300,000 () 99 98 $ 592,172 1,514,811 9,491,892 9,315,448 549,580 842,696 276,260 267,967 1,028,352 1,391,468 $ 11,938,256 13,332,390 () 99 98 $ 170,076 237,108 26,980 49,115 () (138,592) 37,968 () 162,035 (110,080) 19,871 16,731 (105,347) (157,061) 143,488 18,173 $ 278,511 91,954 102
() 99 98 $ 1,596,851 1,571,343 275,957 508,825 154,182 148,051 746,576 565,650 () 6 99.12.31 98.12.31 $ (1,674,975) (1,431,739) (668,452) (705,254) (2,343,427) (2,136,993) (964,454) (982,543) (3,307,881) (3,119,536) 1,596,851 1,571,343 (1,711,030) (1,548,193) 111,771 143,221 8,024 11,112 1,360,060 1,303,751 (515,401) (475,541) $ (746,576) (565,650) $ 1,938,589 1,783,476 103
99 98 $ 167,486 177,177 45,450 60,667 (23,717) (44,782) 86,738 83,478-232,285 $ 275,957 508,825 99 98 1.40% 1.50% 3.50% 3.50% 1.50% 2.50% ()134,891354,391 6,4088,030 () 1. 20 99.12.31 98.12.31 715,514 781,577 138,463 150,439 159,053 19,357 114,275 197,145 580,649 715,514 104
44,46496,366-99 18.70 18.48 15.19 15.19 () 3/5 3/5 () 56/46 56/46 () 3.33/5.33 3.33/5.33 () 0.9/0.6 0.9/0.6 ()() 3.5/3.4 3.5/3.4 7.2/7.0 7.0/6.9 98 15.57 14.92 11.46 11.46 () 3/5 3/5 () 52.9/43.7 52.9/42.6 () 3.33/5.33 3.33/5.33 () 1.8/2.5 1.8/2.5 ()() 3.3/3.2 3.3/3.2 6.4/6.2 5.9/5.8 105
2. 50 99.12.31 98.12.31 141,749 71,198 140,642 82,020 13,378 8,909 20,340 2,560 248,673 141,749 38,47538,002 99 17.66 19.12 17.40 17.40 () 2/3 2/3 2/3 2/3 ()() 3.70 3.70 3.90 3.90 16.11 17.46 15.80 15.80 98 15.51 14.98 14.44 11.75 8.10 () 2/3 2/3 2/3 2/3 2/3 ()() 3.45 3.45 3.45 3.73 3.73 14.25 13.76 13.27 10.72 7.39 3. 99.12.31 98.12.31 6,005 6,005 228-6,233 6,005 106
4. 99.12.31 98.12.31 113,439 52,383 3,995 61,056 8,140-4,239-105,055 113,439 10,55813,280 99 17.66 19.12 17.40 17.40 () 3 3 3 3 ()() 3.78 3.76 3.51 3.51 () 7.90 8.55 7.85 7.85 () 3.10 3.36 3.08 3.08 98 15.51 14.44 11.75 8.10 () 3 3 3 3 ()() 3.43 3.43 3.41 3.41 () 7.13 6.63 5.40 3.73 () 2.81 2.61 2.13 1.46 50 107
5. 50 99.12.31 98.12.31 13,157 5,142 30,977 8,015 1,969-42,165 13,157 12,2132,660 99 17.66 19.12 17.40 17.40 () 2/3 2/3 2/3 2/3 ()() 3.7 3.7 3.9 2.7/3.9 16.11 17.46 15.8 16.93/15.8 98 5.51 14.44 11.75 8.10 () 2/3 2/3 2/3 2/3 ()() 3.45 3.45 3.73 3.73 14.25 13.27 10.72 7.39 () 2520 171725 () 99 98 $ 350,234 148,321 () 1,168,520 (361,838) - 1,254 79,475 - () $ 1,598,229 (212,263) 108
()() 99 98 () $ 768,607 (1,218,647) (238,536) (326,166) 336,875 4,097 (75,014) 48,836 726,822 1,278,363 79,475 - - 1,254 () $ 1,598,229 (212,263) () 2010 2009 $ (26,489) - 35,309 39,276 (246,293) (758,249) 38,201 71,401 10,963 (12,898) (1,935) (6,295) (23,981) (30,887) 8 20 (2,336) 14,150 59,243 157,657 53,653 63,121 545,355 (795,862) 726,822 896,728 () $ 1,168,520 (361,838) 109
99.12.31 98.12.31 $ 155,819 26,489 - - 2,231,143 379,294 2,438,840 487,768 5,874,411 998,650 4,425,621 885,124 239,091 40,646 463,804 92,762 - - 64,490 12,898 164,206 27,915 152,820 30,564 729,192 123,963 321,612 64,322 5,829 991 5,874 1,175 76,144 12,944 62,399 12,480 237,443 40,366 585,935 117,187 (631,210) (107,306) (315,605) (63,121) 12,942,705 2,200,261 16,150,683 3,230,137 (826,439) (140,495) (463,647) (92,729) (79,859) (13,576) - - $ 3,590,142 4,778,567 () 99.12.31 98.12.31 $ (350,234) (148,321) 119,091 108,160 171,637 214,462 336,875 4,097 13,362 144,224 - (1,254) (79,475) - $ 211,256 321,368 99.12.31 $ 3,421,990 6,171,264 3,349,451 $ 12,942,705 110
99.12.31 98.12.31 $ 528,451 451,062 99() 98() 18.08% 0.00% () () 1. 425,00020 2. 99.12.31 98.12.31 $ 5,786,031 10,430,441 5,3744,644,410 3. () 5,374 111
4. 30 (1) 99.99% (2) 0.01% 0 5. 2,910,572 2,510,024 () 1. (1) (2) (3) (4) (5) (6) (7) ()Black Scholes Model FBS 112
99.12.31 98.12.31 8,384,584 7,801,409 20,021,386 20,713,469 173,536,532 103,506,372 4,802,085 4,729,055 99,468-19,701,838 19,961,310 2,242,527 2,228,263 2. 99.12.31 () () () $ 97,697,957 431,715 431,231 947,547,218 7,472,138 6,964,551 237,584,537 5,565,839 3,982,915 1,239,249,467 6,295,813 8,144,647 64,102,597 199,767 122,380 3,748,880 56,114 56,114 $ 2,589,930,656 20,021,386 19,701,838 98.12.31 () () () $ 103,353,309 977,667 971,665 510,240,073 6,835,654 4,067,496 138,824,441 4,253,060 2,849,562 930,428,026 7,091,197 10,624,630 105,113,077 681,981 574,047 39,420,008 873,910 873,910 $ 1,827,378,934 20,713,469 19,961,310 113
3. (1) (value at risk) 250 97.5() 99 98 $ 12,172 29,161 2,010 12,157 23,387 2,896 45,230 78,665 17,099 39,791 67,307 25,878 (2) 74.3467.39 () 99.12.31 98.12.31 $ 32,042,525 38,502,036 10,734,846 11,805,610 3,117,328 1,789,587 287,215,479 241,855,850 15,088,492 21,407,240 $ 348,198,670 315,360,323 114
99.12.31 (%) 1 3,525,000 9.21% 2 3,036,543 7.93% 3 2,543,148 6.64% 4 2,086,472 5.45% 5 2,083,711 5.44% 6 1,973,753 5.15% 7 1,759,198 4.59% 8 1,724,853 4.50% 9 1,661,612 4.34% 10 1,295,534 3.38% 98.12.31 (%) 1 2,472,854 7.05% 2 1,775,956 5.06% 3 1,666,746 4.75% 4 1,430,094 4.08% 5 1,373,170 3.91% 6 1,165,000 3.32% 7 1,043,723 2.97% 8 1,010,316 2.88% 9 961,189 2.74% 10 880,545 2.51% 115
(3) 37.9823.56 99.12.31 3 31 15 5 $ 5,360,943 - - 2,142,718 7,503,661 42,666,650 1,491,266-55,494,342 99,652,258 5,010,237 11,932,529 9,862,304 1,600,900 28,405,970 31,854,186 10,721,507 34,753,236 267,171,746 344,500,675 35,105,139 126,272,778 12,261,533 4,699,167 178,338,617 1,383-205,321 239,099 445,803 $ 119,998,538 150,418,080 57,082,394 331,347,972 658,846,984 $ 4,923,231 1,163,940-4,560,188 10,647,359 5,497,897 5,056,553 8,852,202 394,654 19,801,306 394,062,870 167,097,729 33,359,817 7,200,000 601,720,416 1,200 - - 19,223,005 19,224,205 358,260 - - - 358,260 $ 404,843,458 173,318,222 42,212,019 31,377,847 651,751,546 $ (284,844,920) (22,900,142) 14,870,375 299,970,125 7,095,438 116
98.12.31 3 31 15 5 $ 4,746,007 - - 1,062,952 5,808,959 19,241,649 17,149,119-77,364,572 113,755,340 3,370,710 3,865,240 20,890,859 388,069 28,514,878 34,226,389 6,580,670 38,162,195 234,117,334 313,086,588 63,946,293 25,895,456 13,904,643 4,489,035 108,235,427 47,760 119-292,239 340,118 $ 125,578,808 53,490,604 72,957,697 317,714,201 569,741,310 $ 23,933,453 3,624,234-21,797,909 49,355,596 3,207,850 4,183,786 12,283,559 286,115 19,961,310 383,328,870 77,373,238 8,693,289 799,998 470,195,395 9,902,712 - - 19,597,408 29,500,120 331,065 - - - 331,065 $ 420,703,950 85,181,258 20,976,848 42,481,430 569,343,486 $ (295,125,142) (31,690,654) 51,980,849 275,232,771 397,824 130 3190 91180 1811 1 $833,800,989 189,464,605 80,025,133 68,575,128 155,934,615 339,801,508 852,688,289 140,661,080 144,288,150 160,037,177 102,320,356 305,381,526 (18,887,300) 48,803,525 (64,263,017) (91,462,049) 53,614,259 34,419,982 117
130 3190 91180 1811 1 $11,339,604 3,050,794 3,163,934 2,525,227 945,780 1,653,869 11,129,921 4,167,413 3,140,695 1,057,170 612,288 2,152,355 209,683 (1,116,619) 23,239 1,468,057 333,492 (498,486) 130 3190 91180 1811 1 $714,384,894 237,231,273 70,641,377 38,345,980 44,762,699 323,403,565 749,893,572 174,460,708 118,181,672 90,897,321 59,843,803 306,510,068 (35,508,678) 62,770,565 (47,540,295) (52,551,341) (15,081,104) 16,893,497 130 3190 91180 1811 1 $11,525,663 3,460,335 2,646,084 2,182,517 1,038,473 2,198,254 10,660,644 6,021,755 1,966,569 556,611 297,698 1,818,011 865,019 (2,561,420) 679,515 1,625,906 740,775 380,243 (4) () 118
99.12.31 130 3190 91365 12 23 3 4 45 5 $ 7,501,435 - - - - - - - 2,226 7,503,661 73,728,431 17,448,513 8,475,314 - - - - - - 99,652,258 19,932,736 1,707 6,037,230 20,509 1,333,732 34,574 2,337 1,043,145-28,405,970 16,235,983 15,709,026 10,721,507 5,898,733 9,405,441 6,725,973 12,723,089 262,353,032 4,727,891 344,500,675 30,184,255 4,921,296 126,289,371 7,489,896 2,725,180 1,070,718 941,707 4,716,194-178,338,617 206,704 - - - - - - 239,099-445,803 $ 147,789,544 38,080,542 151,523,422 13,409,138 13,464,353 7,831,265 13,667,133 268,351,470 4,730,117 658,846,984 $ 8,942,658 540,761 1,163,940 - - - - - - 10,647,359 19,343,577-173,930 80,344 100,569 3,418 - - 99,468 19,801,306 344,399,834 49,200,488 167,097,729 4,783,168 27,718,141 263,918 594,590 7,200,000 462,548 601,720,416 19,224,205 - - - - - - - - 19,224,205 358,260 - - - - - - - - 358,260 $ 392,268,534 49,741,249 168,435,599 4,863,512 27,818,710 267,336 594,590 7,200,000 562,016 651,751,546 $ (244,478,990) (11,660,707) (16,912,177) 8,545,626 (14,354,357) 7,563,929 13,072,543 261,151,470 4,168,101 7,095,438 119
98.12.31 130 3190 91365 12 23 3 4 45 5 $ 5,806,520 - - - - - - - 2,439 5,808,959 55,589,708 20,520,526 36,807,808 331,969 204,831-300,498 - - 113,755,340 28,469,016 2,155 38,686 3,285 - - 1,736 - - 28,514,878 16,220,219 17,200,038 7,435,473 7,179,125 9,526,561 12,014,508 9,442,000 228,530,090 5,538,574 313,086,588 49,145,047 15,098,211 21,217,586 12,419,824 2,646,657 2,846,201 372,866 4,489,035-108,235,427 47,760-119 - - - - 292,239-340,118 $ 155,278,270 52,820,930 65,499,672 19,934,203 12,378,049 14,860,709 10,117,100 233,311,364 5,541,013 569,741,310 $ 45,131,236 600,126 3,624,234 - - - - - - 49,355,596 19,961,310 - - - - - - - - 19,961,310 345,431,020 37,465,361 77,373,238 7,789,548 522,100 100,000 281,642 831,634 400,852 470,195,395 29,500,120 - - - - - - - - 29,500,120 232,577 - - - - - - 98,488-331,065 $ 440,256,263 38,065,487 80,997,472 7,789,548 522,100 100,000 281,642 930,122 400,852 569,343,486 $ (284,977,993) 14,755,443 (15,497,800) 12,144,655 11,855,949 14,760,709 9,835,458 232,381,242 5,140,161 397,824 120
190() 91180() 1811() 1 $ 96,452,565 42,656,989 144,358,725 259,817,613 543,285,892 78,972,684 308,824,450 75,162,832 42,377,061 505,337,027 17,479,881 (266,167,461) 69,195,893 217,440,552 37,948,865 37,998,526 () 107.51 () 99.87 190() 91180() 1811() 1 $ 1,704,555 649,959 71 210,680 2,565,265 561,550 1,991,467 114,387 317,445 2,984,849 1,143,005 (1,341,508) (114,316) (106,765) (419,584) 36,867 () 85.94 () (1,138.10) 190() 91180() 1811() 1 $ 112,825,713 28,153,812 37,724,681 238,755,792 417,459,998 83,005,668 256,715,791 42,230,731 21,864,993 403,817,183 29,820,045 (228,561,979) (4,506,050) 216,890,799 13,642,815 35,009,045 () 103.38 () 38.97 190() 91180() 1811() 1 $ 1,980,943 676,358 506,017 213,325 3,376,643 1,299,790 1,474,728 76,413 325,387 3,176,318 681,153 (798,370) 429,604 (112,062) 200,325 33,777 () 106.31 () 593.08 121
(5) 99 (%) $ 14,276,400 0.38 () 93,000,409 1.05 349,549,984 2.73 8,760,085 0.89 119,593,776 0.86 () 35,414,897 0.84 () 310,640,237 0.13 () 206,850,321 0.48 1,812,047 0.74 19,853,364 3.35 98 (%) $ 12,873,223 0.40 () 110,119,613 1.51 319,925,693 2.92 4,702,969 1.39 107,503,638 1.30 () 39,210,577 0.69 () 279,851,246 0.19 () 216,548,149 1.34 620,953 0.58 21,647,792 2.52 (6) (7) 122
4. () 99.12.31 99.12.31 $ 8,313 $ (10,433) 39,505 (37,909) (2,651) 6,330 (95,077) 99,063 $ (49,910) $ 57,051 98.12.31 98.12.31 $ 10,017 $ (10,906) (9,762) 11,115 (31,637) 31,581 98,488 (101,382) $ 67,106 $ (69,592) 5. () $ 82,500,000 79,859 99 $ 63,030 $ 6,300,000 3,253 98 $ 3,253 123
() (SCB) Standard Chartered Bank Taipei Branch (SCB Taipei) Standard Chartered Bank New York (SCB New York) Standard Chartered Bank Tokyo (SCB Tokyo) Standard Chartered Bank Hong Kong Limited (SCB HK) Standard Chartered Bank Singapore (SCB Singapore) Standard Chartered Bank India (SCB India) Standard Chartered Bank Dubai (SCB Dubai) AMEX Bank Limited Singapore (AEB Singapore) Standard Chartered Bank Malaysia (SCB Malaysia) Standard Chartered Bank Germany (SCB Germany) Scope International Private Limited Scope International (M) Sdn Bhd Standard Chartered First Bank Korea Limited (SCFB Korea) Standard Chartered Bank (China) Limited (SCB China) Standard Chartered APR Limited (SC APR) () 1. 99.12.31 1 $ 857,909 0.14 0.00~3.40 98.12.31 1 $ 819,560 0.17 0.00~8.00 124
8 5,8459,200 2. 99.12.31 13 7,959 5,439 5,439-49 437,913 393,972 393,972-2 6,842 4,505 4,505-98.12.31 26 9,312 5,425 5,425-36 124,927 101,277 101,277-2 6,296 5,392 5,392-3,3162,155 3. 99 SCB HK 2,011,846 - - 130,872 0.05~0.90 993 $ 2,142,718 993 98 SCB New York $ 750,427 0.05~0.60 268 SCB HK 192,522 - - SCB Tokyo 57,588 0.00~0.74 3 62,415 0.01~1.97 181 $ 1,062,952 452 125
4. 99 SCFB Korea $ 17,308,295 0.20~1.20 186,353 SCB Taipei 23,165,524 0.03~0.90 77,746 $ 40,473,819 264,099 98 SCFB Korea $ 25,593,086 0.27~1.05 35,254 SCB Taipei 24,247,260 0.05~3.30 272,048 SCB New York 5,438,531 0.85~1.70 116,210 SCB 3,618,555 1.10~5.88 662,142 4,262,423 0.03~4.64 135,574 $ 63,159,855 1,221,228 27,904 87,800 5. 99 SCB HK 4,233,206 0.01~1.17 33,563 326,982 0.13~4.50 47,885 $ 4,560,188 81,448 98 SCB New York $ 7,997,839 0.18~0.28 591 SCB Tokyo 6,088,881 0.31~3.60 26,232 SCB HK 3,846,329 0.10~0.35 20,620 SCB Taipei 3,808,592 0.28~1.04 20,658 $ 21,741,641 68,101 76 2,638 126
6. 99.12.31 100.01.03~102.04.24 $ 182,834,546 1,088,988 1,619,347 (530,359) 100.01.18~101.10.12 64,258,643 491,416 2,073,114 (1,581,698) 100.01.01~101.01.06 862,907 14,843 35,843 SCB 100.07.08~101.12.11 16,828,521 (71,513) (21,000) 19,175 (90,688) 100.01.10~104.05.13 89,967,212 (2,192,980) 690,267 (2,883,247) 100.01.30~101.11.29 48,848,977 (247,458) 89,903 (337,361) SCB Singapore 100.01.03~100.11.28 46,688,075 830,870 1,542,137 (711,267) SCB New York 100.01.04~100.03.28 54,743 613 696 (83) SCB Taipei 100.01.04 2,289 96 96 127
98.12.31 99.01.04~102.04.24 $ 76,568,818 1,374,422 1,912,018 (537,596) 99.05.20~101.10.12 47,837,186 716,835 2,256,986 (1,540,151) 99.01.08~99.10.07 19,361,678 (57,444) 408,233 SCB 99.02.02~102.08.13 25,275,049 (122,573) (465,677) 151,992 (274,565) 99.01.11~103.04.09 84,305,356 (3,091,246) 912,632 (4,003,878) 99.01.01~105.10.09 55,429,063 (93,108) 433,420 (526,528) 99.01.04~99.09.03 75,763,653 (186,725) 799,466 SCB Singapore (986,191) 100.12.19 703,810 14,211 14,211 SCB New York 99.01.04~99.05.24 174,279 (5,083) 590 (5,673) 7. 99.12.31 98.12.31 SCB HK $ 4,698,139 4,483,269 8. 128
() 99.12.31 98.12.31 98-2 $ 4,554,814 4,798,704 98-3 4,554,814 - SC APR 98-3 - 4,798,704 9. 21-231-49 42,500 23,13022,641 22,686 10. 962,911544,498 211,4681,165,734573,652 180,84926,996 1,815,9372,515,939 87,14175,94583,715 72,243 11. 105,710150,308 242,967147,512 12. 99 98 SCB New York $ 7,912 2,949 SCB HK 5,409 13,435 SCB Singapore 676 3,249 SCB 17,765 9,819 367 956 $ 32,129 30,408 Scope International Private Ltd. $ 49,480 36,605 SCB New York - 38,890 Scope International (M) Sdn Bhd 52,644 - SCB Singapore 26,079 2,597 4,095 20,865 $ 132,298 98,957 129
13. 178,486 340,46651589020,794 22,8324857 14. 167,600 350,70210,700 20,246 15. () 99 98 $ 70,209 64,851 73,825 42,335 99.12.31 98.12.31 $ 245,600 315,000 700,000 700,000 $ 945,600 1,015,000 130
99.12.31 98.12.31 $ 250,000 700,000 50,000 50,000-300,000 50,000 100,000 35,000 35,000 200,000 150,000 10,000-595,000 1,335,000 100,000 100,000 10,000 10,000 110,000 110,000 $ 705,000 1,445,000 () () () () () () () () 40,400 () () () 131
() 32,000 123,122574,570 () 338,070342,65815,34791,551() () $ 439,476 407,972 386,464 262,324 54,888 $ 1,551,124 () 99.12.31 98.12.31 $ 10,482,346 10,231,201 109,339 146,976 1,680,051,081 1,447,565,399 143,490,416 141,883,069 $ 1,834,133,182 1,599,826,645 $ 17,385,747 16,879,061 $ 6,986,325 8,590,738 $ 4,537,769 2,788,530 132
() $ 20,923 $ 17 128,941,261 1 10,911,763 3,613,607 2,862 139,876,791 3,613,607 $ 143,490,416 $ 143,490,416 $ 21,183 $ 17 135,464,613 9 72,878 6,324,309 86 135,558,734 6,324,309 $ 141,883,069 $ 141,883,069 99 98 $ 125 341 17,509 27,143 2,016 317 38,257 348,812 57,907 376,613 209 216 1,233 194 1,003 183 2,445 593 55,462 376,020 530 475 $ 54,932 375,545 133
99.12.31 98.12.31 $ 20,923 21,183 1,293,220 20,433,019 3,035,076 3,547,306 124,612,965 111,484,288 10,911,763 - - 72,878-86 3,613,607 6,324,309 2,862 - $ 143,490,416 141,883,069 () 99 98-4,929,036 4,929,036-4,649,788 4,649,788-304,927 304,927-290,903 290,903-436,547 436,547-664,906 664,906-313,243 313,243-487,250 487,250-524,595 524,595-551,958 551,958-89,766 89,766-94,330 94,330 134
() () 224,291 3,156,048 () 1. 99.12.31 98.12.31 $593 18,337 52,459 1,678,238 354 8,322 1,604 7,517 (143) (5,796) 3,462 99,587 (4,636) (140,774) 1,438 33,438 (33,309) (12,418) (680,066) (235,526) 2. 99 98 () () 0.69 (0.78) 0.44 (0.74) 12.34 (14.64) 7.98 (14.00) () 17.24 (30.90) ()() ()() () 135
() 1. 99.12.31 98.12.31 32,831,721 26,239,195 19,673,401 26,239,195 - - 52,505,122 52,478,390 307,469,370 314,873,303 - - - - 33,762,611 34,866,993 - - - - 28,841,002 31,688,991 - - 370,072,983 381,429,287 14.19% 13.76% 8.87% 6.88% 5.32% 6.88% -% -% 4.15% 4.72% 5.01% 4.25% 136
2. 99.12.31 98.12.31 32,870,068 26,423,446 19,711,747 26,423,446 - - 52,581,815 52,846,892 307,517,173 314,952,176 - - - - 33,678,309 35,035,413 - - - - 28,841,002 31,688,991 - - 370,036,484 381,676,580 14.21% 13.85% 8.88% 6.92% 5.33% 6.92% -% -% 4.15% 4.72% 5.02% 4.29% () 99.12.31 98.12.31 $ 2,722,937 30.37 82,683,141 3,848,532 31.99 123,119,759 601,501 30.37 18,264,836 772,876 31.99 24,725,356 3,103,863 30.37 94,250,142 3,244,285 31.99 103,789,093 384,993 30.37 11,690,479 126,223 31.99 4,038,040 137
() 1. 2. 3. 779,803 845,000 47,164 4. 5. 6. (1) 99/05/07 99/08/02-70,341 70,341-218,795 281,795 99/09/08 80544292-582,185 562,044 97,241 99/10/19-141,073 141,037 99/12/01-218,277 218,277 (2) 10() 7. 8. 138
() 1. () 85 100.00% 65,175 2,614 300-300 100% - () 85 100.00% 11,517 3,786 300-300 100% - () () ()( ) () () 12319 25867 1818 81 - % - - - - - - % 0.99% - - 10-10 0.99% - 4.84% 29,000-3,417-3,417 4.84% - 1.14% 45,500-4,550-4,550 1.14% - () 3.18% 6,673-630 - 630 3.18% - 4008 () () 176111 708 5.00% 20,250-2,025-2,025 5.00% - 4.76% 10,080-1,008-1,008 4.76% - () 2.73% 188,500-18,850-18,850 2.73% - 2431 2.94% 50,000-5,000-5,000 2.94% - () 996B1 () 2 1.42% 849-85 - 85 1.42% - 21815 () (()) () () 3339 36311 28514 3.35% 2,468-197 - 197 3.35% - 0.17% 9,277-495 - 495 0.17% - 5.24% 94,546-13,346-13,346 5.24% - 139
2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. () 10 () () () 140
(88)()18311 0980002150 141
99.12.31 98.12.31 11000 (()) $ 7,503,661 5,808,959 29 11500 (()) 99,652,258 113,755,340 (12) 12000 (()()) 28,405,970 28,514,878-13000 (()()()) 26,804,963 27,295,532 (2) 13500 (()()) 344,500,675 313,086,588 10 14000 (()()) 178,338,617 108,235,427 65 15500 (()()) 445,803 340,118 31 18500 (()) 7,272,918 7,609,908 (4) 19000 (()()()) 3,410,632 3,518,658 (3) 19500 (()()) 5,410,359 7,965,340 (32) $ 701,745,856 616,130,748 14 142
99.12.31 98.12.31 21000 () $ 10,647,359 49,355,596 (78) 22000 (() ()) 19,801,306 19,961,310 (1) 23000 (()) 6,748,466 6,482,367 4 23010 () 2,008,720 2,577,875 (22) 23500 (()) 601,521,136 469,832,096 28 24000 (()) 19,224,205 29,500,120 (35) 25500 (()) 358,260 331,065 8 29500 (()) 3,146,616 3,081,274 2 663,456,068 581,121,703 14 (()()()) 31000 31001 1099981231 3,000,0002,910,572 29,105,720 29,105,720-31500 5,786,031 10,430,441 (45) 32002-5,374 (100) 32012 () 2,922,991 (4,649,784) 163 2,922,991 (4,644,410) 163 32503 363,949 381,303 (5) 32523 373,167 28,128 1,227 32525 66,283 3,253 1,938 32544 (328,353) (295,390) (11) 475,046 117,294 305 38,289,788 35,009,045 9 (()()) $ 701,745,856 616,130,748 14 143
99 98 41000 (()()) $ 11,938,819 13,332,390 (10) 51000 () 3,026,274 4,792,211 (37) 8,912,545 8,540,179 4 49100 (()) 5,596,690 3,797,479 47 49200 (()) 1,918,992 1,448,951 32 49300 (()) 51,864 233,778 (78) 49500 (()) 81,156 - - 49600 () (170,243) 772,839 (122) 49700 (103,520) (46,174) (124) 48021 () 745,691 361,307 106 49800 (()()()) 258,368 83,956 208 17,291,543 15,192,315 14 51500 (()()) 1,453,276 7,628,170 (81) 58500 (()()()) 5,985,816 6,093,627 (2) 59000 (()()) 615,838 647,103 (5) 59500 () 4,732,046 5,599,383 (15) 11,333,700 12,340,113 (8) () 4,504,567 (4,775,968) 194 63003 ()(()) 1,581,576 (113,643) 1,492 () $ 2,922,991 (4,662,325) 163 163 () $ 2,922,991 (4,662,325) 163 144
69500 ()()(()) $ 1.55 1.00 (1.90) (1.86) 145
年報 陸 財務概況 渣打國際商業銀行股份有限公司及其子公司合併股東權益變動表 () () () $ 24,855,720 6,183,410-17,915 381,303 352,768 - (192,116) 31,599,000 (()) 4,250,000 4,247,031 - - - - - - 8,497,031 (()) - - 5,374 (5,374) - - - - - - - - (4,662,325) - - - - (4,662,325) ()(()) - - - - - (324,640) - - (324,640) ()(()()) - - - - - - 3,253-3,253 - - - - - - - (103,274) (103,274) 29,105,720 10,430,441 5,374 (4,649,784) 381,303 28,128 3,253 (295,390) 35,009,045 (()) - (4,644,410) - 4,644,410 - - - - - (()) - - (5,374) 5,374 - - - - - - - - 2,922,991 - - - - 2,922,991 - - - - (17,354) - - - (17,354) ()(()) - - - - - 345,039 - - 345,039 ()(()()) - - - - - - 63,030-63,030 - - - - - - - (32,963) (32,963) $ 29,105,720 5,786,031-2,922,991 363,949 373,167 66,283 (328,353) 38,289,788 146 147
99 98 () $ 2,922,991 (4,662,325) 525,307 552,309 90,531 94,794 1,453,276 7,628,170 11,386 28,866 () (46,962) 289,084 (51,864) (233,778) (81,156) - 103,520 46,174 (745,691) (361,307) () 1,168,520 (361,838) (123,122) (123,122) 1,926 - (1,271) - - 1,179,467 108,908 10,783,884 60,569 245,341 () 109,555 (229,551) 275,196 1,069,352 (160,004) (10,732,147) () 266,099 (6,380,507) -() (569,155) 658,748 () 145,472 (487,895) () 5,464,031 (996,281) (600,751,643) (468,223,217) 148
531,093,122 481,518,941 81,156 - - 189,284 (358,439) (302,254) 60,536 253,735 1,018,579-107,875 - (()) - 224,291 () 14,103,082 (14,946,694) (32,919,598) (12,343,620) 1,228,381 2,431,202 39,336 - (12,025) - (86,309,638) (11,198,332) - (412,853) - 19,699,039 (10,469,480) (9,826,299) - 8,497,031 () (38,708,237) 28,317,594 () 131,718,026 (43,941,881) 82,540,309 2,332,631 () 1,694,702 (9,861,982) 5,808,959 15,670,941 $ 7,503,661 5,808,959 $ 2,945,080 6,027,323 $ 150,302 332,989 () $ 345,039 (324,640) 149
150
Review and Analysis of Financial Conditions, Operating Results and Risk Management www.standardchartered.com.tw 151
2010 2009 7,503,661 5,808,959 1,694,702 29 99,652,258 113,755,340 (14,103,082) (12) 28,405,970 28,514,878 (108,908) 0 0 0 0 0 26,956,704 27,262,328 (305,624) (1) 0 0 0 0 344,500,675 313,086,588 31,414,087 10 178,338,617 108,235,427 70,103,190 65 76,692 368,502 (291,810) (79) 445,803 340,118 105,685 31 7,253,113 7,589,391 (336,278) (4) 3,408,715 3,516,119 (107,404) (3) 5,410,310 7,964,904 (2,554,594) (32) 701,952,518 616,442,554 85,509,964 14 10,647,359 49,355,596 (38,708,237) (78) 19,801,306 19,961,310 (160,004) (1) 0 0 0 0 8,743,161 8,986,389 (243,228) (3) 601,720,416 470,195,395 131,525,021 28 19,224,205 29,500,120 (10,275,915) (35) 358,260 331,065 27,195 8 3,168,023 3,103,634 64,389 2 663,662,730 581,433,509 82,229,221 14 663,662,730 581,433,509 82,229,221 14 29,105,720 29,105,720 0 0 5,786,031 10,430,441 (4,644,410) (45) 2,922,991 (4,644,410) 7,567,401 163 2,922,991 (4,644,410) 7,567,401 163 475,046 117,294 357,752 305 38,289,788 35,009,045 3,280,743 9 38,289,788 35,009,045 3,280,743 9 152
2010 2009 8,911,419 8,539,126 372,293 4 8,039,597 6,549,521 1,490,076 23 1,453,276 7,628,170 (6,174,894) (81) 10,976,520 12,335,065 (1,358,545) (11) 4,521,220 (4,874,588) 9,395,808 193 2,922,991 (4,662,325) 7,585,316 163 0 0 0 0 0 0 0 0 0 0 0 0 2,922,991 (4,662,325) 7,585,316 163 1.00 (1.86) 2.86 154 2010 2009 15.14 (1.45) 16.59 675.92 822.82 (146.90) (6.52) 9.80 (16.32) (1) (2) (3) (1)(2)(3) 7,503,000 7,496,000 2,504,000 12,495,000 153
2005 2006 2007 2008 2009 2010 2006 13,120 13,120 2006 100,000 16,000 84,000 2006 33,225 14,975 18,250 ATM 2007 9,484 9,484 2008 632,528 277,632 354,896 2009 252,864 252,864 2010 224,054 224,054 107,631() 154
1. (1) 1. () 2. 155
3. (PD) (LGD) (EAD) (RWA) 4. / (Delivery vs. Payment) (Payment vs. Payment) 5. (2) 991231 199,604,520 14,817 984,997 39,400 108,075,827 3,106,455 79,959,444 6,243,962 131,078,097 8,173,598 173,553,000 6,278,464 92,222 29,511 13,873,151 711,343 707,221,258 24,597,550 156
2. (1) 1. ( ) (Special Purpose Entity, SPE) 1. 2. 3. 4. 5. 2. 20051220069120132 1829 157
2006-1A2 3.7A2 17.852006420112 2twA 3. 34(Available for Sale) 4. 158
5. (2) 99 12 31 10,204,484 989,351 1,800,791 1,800,791 10,322,771 1,474,267 2,911,551 2,911,551 (3) 99 12 31 4,712,342 7,447,702 266,647 352,542 28,908 352,542 28,908 4,712,342 7,447,702 266,647 159
(4) 99 12 31 1,800,791 (69,701) 0 1,731,090 2,911,551 (193,097) 0 2,718,454 (5) 3 2006-1 A2 2007/04/25 2011/02/18 2013/02/18 2.30% twa(sf) 22 326,941 32,765 0 359,706-1. 93-1-123 2. 93-1-143 3. Merit Holdings Limited 1.5 160
(6) 2005/12/20 2006/09/20 20277 20281 - - 14.3.24 14.3 14.3.24 14.3 14.3.24(i) 14.3.24(i) 14.3 14.3.24(ii) 14.3 14.3.24(ii) 1,800,791 2,911,551 (69,701) (193,097) 0 0 1,731,090 2,718,454 - - 2,299 2,299 2,790,143 4,385,818 (6)-1 (6)-2 161
(6-1) 2010.12 14,818 1 2,790,143 2,299 5.59 1.197 2.74 ARMS 1.32 64.93 97.30 78.00 48.47 178.47 138.00 CLTV 76.92% CLTV 0.16% CLTV 37.95% 0-2% 10 0% 29,828 1% 2,983 67 2.01%-3% 740 32% 962,371 34% 1,301 79 3.01%-4% 382 17% 380,080 14% 995 77 4.01%-5% 360 16% 289,008 10% 803 78 >5% 41 2% 23,558 1% 575 92 0-2% 594 26% 865,861 32% 1,458 82 2.01%-3% 164 7% 231,668 8% 1,413 68 3.01%-4% 6 0% 7,573 0% 1,262 89 4.01%-5% 0 0% 0 0% 0 0 >5% 2 0% 196 0% 98 78 2,299 100% 2,790,143 100% 1,214 79 162
LTV % % 0-10% 133 7.08% 43,612 1.56% 11-20% 199 10.60% 137,119 4.91% 21-30% 226 12.04% 240,222 8.61% 31-40% 296 15.76% 384,354 13.78% 41-50% 423 22.52% 705,584 25.29% 51-60% 388 20.66% 813,078 29.14% 61-70% 187 9.96% 405,692 14.54% 71-80% 26 1.38% 60,482 2.17% >80% 0 0.00% 0 0.00% 1,878 100.00% 2,790,143 100.00% % % 0.0-1.0 997 43.37% 534,558 19.16% 1.0-2.0 1,084 47.15% 1,544,348 55.35% 2.0-3.0 134 5.83% 314,839 11.28% 3.0-4.0 40 1.74% 138,735 4.97% 4.0-5.0 17 0.74% 74,691 2.68% 5.0-6.0 13 0.57% 72,162 2.59% 6.0-7.0 8 0.35% 51,369 1.84% 7.0-8.0 1 0.04% 7,127 0.26% 8.0-9.0 3 0.13% 24,860 0.89% 9.0-10.0 0 0.00% 0 0.00% 10.0-11.0 0 0.00% 0 0.00% 11.0-12.0 0 0.00% 0 0.00% 12.0-13.0 1 0.04% 12,637 0.45% 13.0-14.0 0 0.00% 0 0.00% 14.0-15.0 1 0.04% 14,817 0.53% 15.0-16.0 0 0.00% 0 0.00% 2,299 100.00% 2,790,143 100.00% 163
% % 939 40.84% 1,048,684 37.58% 357 15.53% 461,103 16.53% 219 9.53% 306,390 10.98% 129 5.61% 149,191 5.35% 51 2.22% 100,742 3.61% 11 0.48% 10,805 0.39% 431 18.75% 505,323 18.11% 90 3.91% 124,512 4.46% 64 2.78% 73,532 2.64% 2 0.09% 3,598 0.13% 5 0.22% 5,428 0.19% 0 0.00% 0 0.00% 1 0.04% 835 0.03% 0 0.00% 0 0.00% 2,299 100.00% 2,790,143 100.00% % % 1-5 248 10.79% 92,169 3.30% 6-10 265 11.53% 257,257 9.22% 11-15 1,783 77.55% 2,438,892 87.41% 16-20 3 0.13% 1,825 0.07% 21-25 0 0.00% 0 0.00% 2,299 100.00% 2,790,143 100.00% % % 2,155 93.75% 2,641,642 94.68% 1-29 49 2.13% 53,895 1.93% 30-59 15 0.65% 22,448 0.80% 60-89 17 0.74% 18,135 0.65% 90-119 1 0.04% 356 0.01% 120-149 4 0.17% 4,646 0.17% 150-179 1 0.04% 293 0.01% 180 57 2.48% 48,728 1.75% 0 0.00% 0 0.00% 2,299 100.00% 2,790,143 100.00% 164
(6-2) 2010.12 18,797 0 4,385,818 2,299 5.48 1.49 2.23 0.90 56.93 64.87 59.00 27.73 187.30 160.00 CLTV 87.08% CLTV 0.00% CLTV 46.47% 0-2% 34 4% 101,365 2% 2,981 57 2.01%-3% 265 12% 597,188 14% 2,254 59 3.01%-4% 202 9% 267,031 6% 1,322 61 4.01%-5% 107 5% 117,382 3% 1,097 61 >5% 0 0% 0 0% 0 0 0-2% 678 29% 1,742,013 40% 2,569 59 2.01%-3% 1,011 41% 1,543,864 35% 1,527 59 3.01%-4% 1 0% 22 0% 22 56 4.01%-5% 0 0% 0 0% 0 0 >5% 1 0% 16,953 0% 16,953 56 2,299 100% 4,385,818 100% 1,908 61 165
LTV % % 0-10% 87 4.23% 30,666 0.70% 11-20% 125 6.07% 120,055 2.74% 21-30% 153 7.43% 223,637 5.10% 31-40% 314 15.26% 736,131 16.78% 41-50% 157 7.63% 264,907 6.04% 51-60% 248 12.05% 514,522 11.73% 61-70% 689 33.48% 1,530,917 34.90% 71-80% 268 13.02% 869,553 19.83% >80% 17 0.83% 95,430 2.18% 2,058 100.00% 4,385,818 100.00% % % 0.0-1.0 627 27.27% 362,183 8.26% 1.0-2.0 956 41.62% 1,440,435 32.85% 2.0-3.0 370 16.09% 896,347 20.44% 3.0-4.0 158 6.87% 539,858 12.31% 4.0-5.0 84 3.65% 370,238 8.44% 5.0-6.0 44 1.91% 240,555 5.48% 6.0-7.0 21 0.91% 134,775 3.07% 7.0-8.0 9 0.39% 66,437 1.51% 8.0-9.0 10 0.43% 83,965 1.91% 9.0-10.0 4 0.17% 38,616 0.88% 10.0-11.0 3 0.13% 31,536 0.72% 11.0-12.0 4 0.17% 46,519 1.06% 12.0-13.0 2 0.09% 24,080 0.55% 13.0-14.0 2 0.09% 26,215 0.60% 14.0-15.0 1 0.04% 14,375 0.33% 15.0-16.0 0 0.00% 0 0.00% 16.0-17.0 2 0.09% 33,091 0.75% 17.0-18.0 1 0.04% 17,796 0.41% 18.0-19.0 1 0.04% 18,797 0.43% 2,299 100.00% 4,385,818 100.00% 166
% % 889 38.69% 1,461,455 33.31% 270 11.74% 583,433 13.30% 195 8.48% 428,799 9.78% 289 12.57% 629,309 14.35% 124 5.39% 379,488 8.65% 28 1.22% 33,851 0.77% 286 12.44% 513,990 11.72% 78 3.39% 165,651 3.78% 60 2.61% 82,680 1.89% 56 2.44% 76,297 1.74% 6 0.26% 10,489 0.24% 3 0.13% 4,231 0.10% 3 0.13% 2,489 0.06% 1 0.04% 1,287 0.03% 10 0.43% 10,738 0.24% 1 0.04% 1,631 0.04% 2,299 100.00% 4,385,818 100.00% % % 1-5 176 7.66% 104,426 2.38% 6-10 167 7.26% 190,685 4.35% 11-15 968 42.11% 1,931,582 44.04% 16-20 988 42.97% 2,159,125 49.23% 21-25 0 0.00% 0 0.00% 2,299 100.00% 4,385,818 100.00% % % 2,074 90.20% 3,961,832 90.34% 1-29 56 2.44% 111,063 2.53% 30-59 19 0.83% 34,573 0.79% 60-89 14 0.61% 29,965 0.68% 90-119 5 0.22% 7,153 0.16% 120-149 9 0.39% 11,286 0.26% 150-179 5 0.22% 2,234 0.05% 180 117 5.09% 227,712 5.19% 0 0.00% 0 0.00% 2,299 100.00% 4,385,818 100.00% (7) 167
3. (1) 1. 2. 3. 4. 5. 168
(2) 99 12 31 2007 17,709,608 2008 18,561,694 2009 17,748,875 54,020,177 2,701,009 4. (1) 1. 2. 3. (VaR) 169
4. 5. (2) 99 12 31 2,286,747 20,533 0 0 2,307,280 5. 116 170
1. () 2. 1. 2. (1) (2) (3) 171
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Special Notes www.standardchartered.com.tw 173
100% 100% 174
88.09.07 851 3,000 88.09.30 851 3,000 1. 2. 300,000 100.00% 300,000 100.00% 3,000 246,434 181,259 65,175 340,140 (15,151) 2,614 8.71 3,000 23,837 12,319 11,518 25,803 3,670 3,786 12.62 142149 175
176 ( )() 0980002150 (88)()18311 () ) 002
1. 100 2,910,572 100 Katherine King-Suen Tsang Sunil Kaushal Cheng Teck Lim Fou Tsong Ling Norman Lyle Edward Martin Williams 2. (1) (2) (3) (4) (5) 1. 916,704 9,109,628 1,815,937242,967 83,715 3. 4. 177
178
Directory of Branches & Offices www.standardchartered.com.tw 179
106 03-5243151 03-5230963 35 03-5266171 03-5236079 270 03-5775663 03-5781742 326 03-5348939 03-5349865 21450 03-5219216 03-5219215 300 03-5965711 03-5954025 386 03-5883611 03-5883344 82 03-5992614 03-5901627 59 03-5513115 03-5512190 21 03-5875151 03-5877927 155-7 03-5591113 03-5594636 130 03-5233171 03-5233177 141 03-5519456 03-5551783 11 03-5785355 03-5787055 6 03-5348155 03-5421589 66 03-3340176 03-3371647 253 03-3873915 03-3889901 44 03-3861130 03-3861924 194 03-4252186 03-4256977 105 03-4783491 03-4752718 251 03-4773226 03-4772052 202 03-4793185 03-4708175 301 03-3351593 03-3328102 83 03-4553122 03-4524244 43 03-3634341 03-3660967 465 03-3324002 03-3361491 56 03-4918701 03-4918710 1077 03-3290728 03-3290273 90 03-3524148 03-3226443 233 03-3664291 03-3664296 180
302 03-4657779 03-4567704 150 03-4696257 03-4692907 351 03-4824984 03-4826073 879-17 02-29082996 02-29082952 862 03-3553278 03-3553723 405 03-4511333 03-4513135 833 03-4986401 03-4986404 225 03-4910311 03-4910319 506-23 03-3137633 03-3137626 562 037-324671 037-358940 217 037-476161 037-474882 106 037-668281 037-676791 19 037-862851 037-852609 211 037-228525 037-221245 16 037-757511 037-757514 20 037-724591 037-724980 83 037-875281 037-875242 79 037-995561 037-995564 201 037-985211 037-985214 47 03-4351988 03-4351093 237 03-3972288 03-3972266 35 03-3026699 03-3028833 87 03-4579155 03-4579920 38 02-87723232 02-87723838 1-12 02-66215700 02-66215799 308 02-82828266 02-82815941 69 02-26318888 02-26326910 380 04-23192480 04-23192473 797 04-25234116 04-25240078 345 05-2288855 05-2240800 181
429 06-2648101 06-2648140 383 07-3872296 07-3860532 88 06-2761561 06-2761565 306 04-24653500 04-24653501 788 04-25622731 04-25622801 302 04-22536208 04-22536205 182 02-82271656 02-82271659 302 02-29452510 02-29451275 236 04-22990755 04-22990803 327 04-27081040 04-27081118 53 04-7282999 04-7229958 189 07-5501705 07-5502010 420 02-66027676 02-66027670 262 07-9660766 07-536-5387 128 02-66192900 02-66192999 57 04-36023300 04-36023399 107 06-2289777 06-2283722 301 07-2387791 07-2369832 66 02-66023000 02-66023099 93 02-66396000 02-66396099 9723 02-27206118 02-66397033 1 02-66363700 02-66363799 48 02-66107600 02-66107699 168 02-27166261 02-25147460 136 02-66197200 02-66197299 128 02-66408888 02-27505088 676 02-66107500 02-85021610 17522 07-2285500 07-2221205 261 04-23246800 04-23101118 182
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