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(02) 8722-5000 Jasmine.Hung@anz.com (02) 8722-5000 Daisy.Chao@anz.com 1 69 1 852-2533-3500 www.standardandpoors.com 7 49 (02)8722-5800 http://www.taiwanratings.com/tw/ 7 16 17 18 (02)8722-5000 7 68 (02)8101-6666 http://www.kpmg.com.tw anz.tw
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101 10 16 1835 180 34 45,000 28 107 (Greenwich Associates) 6 100 101 10 16 102 2 4 102 4 7 100 105 9 1 106 12 9 ( ) 106 12 31 ( ) (1) (2) 9
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( ) 1. ( ) ( ) 106 12 31 ( ) Indiana University 106.6.16 (Hong Swee Lau) 1 ( 107.9.17) 106.6.16 ( 1) ( 1) ( 1) ( 1) (2013 5 2015 3 ) ( ) (2009 12 2013 5 ) ( ) (2007 10 2009 11 ) (2015 4 ) (2016 10 ) 14
( ) ( ) 106.3.31 (Peter Chan) 1 ( 107.9.17) 106.3.31 ( 1) ( 1) ( 1) ( 1) University of East Anglia (2015 6 2016 12 ) ANZ Melbourne Chief of Staff (2014 1 2015 5 ) ( ) (2011 2 2014 1 ) Head of Relationship, Corporate and Institutional Relationships (2008 11 2011 1 ) Head of Large Corporates (2007 7 2008 9 ) Head of Large Corporates (2005 2007 7 ) 15
( ) Maria Cristina Helena 104.9.18 Gatmaitan Samaniego 3 ( 107.9.17) 104.9.18 ( 1) ( 1) ( 1) ( 1) ( ) Senior Manager, Internal Audit (1998 2000 ) Afflin Merchant Bank- Malaysia, Senior Manager Institutional Banking (1995 1998 ) Bank of Nova Scotia- Malaysia, Manager- Corporate Banking (1993 1995 ) Coopers & Lybrand, Auditor (1991 1993 ) De La Salle University 16
( ) ( ) 104.9.18 3 ( 107.9.17) 102.9.27 ( 1) ( 1) ( 1) ( 1) 17
( ) 18 ( ) Super Micro Computer, Inc. SinoPac Bancorp / 102.9.27 ( 1) ( 1) ( 1) ( 1) Zentera Systems, Inc. 3 ( 107.9.17) 104.9.18 Alibaba Taiwan Entrepreneurs Fund 3 104.9.18 ( 1) ( 1) ( 1) ( 1) (Deloitte China) ( 107.9.17) 104.9.18 CDIB Capital Innovation Accelerator (Cayman ) Limited. Crown Bioscience International 1 (Australia and New Zealand Banking Group Limited) 2,361,758,019
2. 107 04 27 HSBC Custody Nominees (Australia) Limited 25.63% J P Morgan Nominees Australia Limited 14.04% Citicorp Nominees Pty Limited 6.60% National Nominees Limited 3.90% BNP Paribas Nominees Pty Ltd <Agency Lending DRP A/C> 2.04% BNP Paribas Nominees Pty Ltd <DRP> 1.37% Citicorp Nominees Pty Limited <Colonial First State Inv A/C> 0.91% HSBC Custody Nominees (Australia) Limited <Nt-Comnwlth Super Corp A/C> 0.66% Citicorp Nominees Pty Limited <Citibank NY ADR DEP A/C> 0.45% AMP Life Limited 0.43% 3. 107 04 27 HSBC Custody Nominees (Australia) Limited HSBC Bank Australia Limited 100% J P Morgan Nominees Australia Limited J.P. Morgan Administrative Services 100% Australia Limited 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> Citigroup Pty Limited 100% HSBC Custody Nominees (Australia) Limited <Nt-Comnwlth HSBC Bank Australia Limited 100% Super Corp A/C> Citicorp Nominees Pty Limited <Citibank NY ADR DEP A/C> Citigroup Pty Limited 100% AMP Life Limited AMP Limited 100% 19
4. ( ) 107 04 27 1 2 3 4 5 6 7 8 9 10 (Hong Swee Lau) V V V V V V V 0 V V V V V V V V V 0 Maria Cristina Helena Gatmaitan 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 1 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
( ) 107 04 30 ( ) ( ) 106.3.17 0 0 0 0 0 0 University of East Anglia ( ) 106.6.16 0 0 0 0 0 0 University of Wisconsin- Madison - \ Managing Director 106.12.25 0 0 0 0 0 0 McGill University Financial Controller 107.1.25 0 0 0 0 0 0 Syracuse University Maria 104.8.1 0 0 0 0 0 0 De La Salle University Cristina Helena Gatmaitan Samaniego 106.9.1 0 0 0 0 0 0 University of Illinois 21
( ) ( ) 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 106.1.16 0 0 0 0 0 0 University of Wollongong, Sydney 106.7.1 0 0 0 0 0 0 101.12.11 0 0 0 0 0 0 ( ) 22
( ) ( ) 106.12.14 0 0 0 0 0 0 106.7.14 0 0 0 0 0 0 104.2.1 0 0 0 0 0 0 University of Washington 23
( ) ( ) 1. ( ) 106 12 31 (A) (C) (B) (D) A B C D (%) A B C D E F G (G) (E) (F) ( ) (Alistair Bulloch) (106.6.6 ) (106.6.1 ) (Hong Swee Lau) (106.6.16 ) Mark Peter Hand (106.12.15 ) 6,233 0 0 0 1.17% 42,102 3,903 0 0 9.8% Maria Cristina Helena Gatmaitan Samaniego 24
(106.5.24 ) * ( ) $1,917 (106.3.31 ) (A) (C) (B) (D) A B C D (%) A B C D E F G (G) (E) (F) ( ) 25
2. 2,000,000 (A+B+C+D) (H) / / / (A+B+C+D+E+F+G) (I) / / / 2,000,000 ( ) 5,000,000 5,000,000 ( ) 10,000,000 10,000,000 ( ) 15,000,000 15,000,000 ( ) 30,000,000 30,000,000 ( ) 50,000,000 50,000,000 ( ) 100,000,000 100,000,000 /Maria Cristina Helena Gatmaitan Samaniego 4 7 1 ( ) 2 ( ) 3 4 ( ) 5 IFRS 2 6 7 ( ) 8 9 ( ) 10 11 a. b. J c. ( ) ( ) 104 9 18 26
( ) 1. (A) ( 2) (B) (C) ( 3) A B C D (D) ( 4) (%) ( 1) (106.3.17 ) (106.1.16 ) (106.5.1 ) 80,771 8,736 62,524 0 0 28.51% (106.6.16 ) (106.12.14 ) (106.12.25 ) (106.12.25 ) 27
( 1) Maria Cristina Helena Gatmaitan Samaniego (106.7.1 ) (106.9.1 ) (106.9.1 ) (A) ( 2) (B) (C) ( 3) A B C D (D) ( 4) (%) 28
1 2 3 4,277 IFRS 2 4 5 ( ) 6 7 ( ) 8 9 a. b. E c. ( ) 2. ( 1) 2,000,000 2,000,000 ( ) 5,000,000 5,000,000 ( ) 10,000,000 10,000,000 ( ) 15,000,000 15,000,000 ( ) 30,000,000 Sarah Jo-Ann Dunn Maria Cristina Helena Gatmaitan Samaniego 30,000,000 ( ) 50,000,000 - - 50,000,000 ( ) 100,000,000 - - 100,000,000 - - 16-1 3. ( ) 29
105 106 $163,217 $158,265, 105 106 17.43% 29.68% ( ) 106 10 (A) (%) / (Hong Swee Lau) 4 0 80% 106.6.16 (Alistair Marshall Bulloch)106.6.6 100% Mark Peter Hand 6 0 60% 106.12.15 5 0 100% 106.6.1 4 1 80% 106.5.24 6 0 100% 106.3.31 Maria Cristina Helena 9 0 90% Gatmaitan Samaniego 9 1 90% 10 0 100% 8 2 80% ( ) 14 3 ( ) 30
106.1.23 2 200 11 106.3.22 Maria Cristina Maria Cristina Helena 2 Helena Samaniego 6 2 Gatmaitan Samaniego 2 106.04.20 2 105 14 12 16 106 12 8 TRF TRF 106.10.18 Maria 2 Maria Cristina Cristina Helena 16 Helena Samaniego Samaniego 1 2 (1) ( ) (%) ( ) (2) ( ) (%) ( ) 31
( ) 1. 106 7 ( ) (%) / 7 0 100% 7 0 100% 6 1 85.71% ( ) 14 5 ( ) 106.3.22 106.6.16 106.8.24 106.12.14 106.12.14 106.12.14 107 (%) (%) 2. 104 9 18 ( ) 102 9 27 32
( ) 1. ( ) 1. 104 9 18 ( ) ( ) ( ) 2. 3. 2. 1. anz.tw 2. 33
1. 2017 12 2018 12 2. 3. (02)8722-5090 4. ( ) ( ) 34
( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( : (ANZ World Environment Day Employee Engagement Campaign) * * * 35
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( ) anz.tw ( ) http://newmops.twse.com.tw ( ) 39
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106.10.18 2 16 106.12.14 2 9 107.3.22 2 10 1. 2. 3. 4. ( ) 1060104431 ( A) 5. 6. 7. 10 8. 9. 10. 11. 12. 13. 14. 15. 1. ( 1 ) 2. ( 2 ) 3. ( 3 ) 4. 5. 6. 106 7. 107 8. 9. 10. 11. 12. 13. 14. 13. 106 14. 106 15. 16. 107 17. 107 18. 106 19. 20. 21. 22. 23. 24. 106 49
( ) ( 107 5 25 ) ( ) 107 5 25 104.9.18 106.6.6 104.2.1 106.9.1 103.10.1 106.12.25 106 1 1 12 31 1 2,000 2 2,000 4,000 3 4,000 6,000 4 6,000 8,000 V 5 8,000 10,000 6 10,000 V V ( ) 13,160 7,266 7,266 106 1 1 12 31 : 50
5,937,750 1.14% 0 0% 5,937,750 1.14% 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% 51
4 52
( ) 107 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 14,000,000,000 102.04 10 2,000,000,000 20,000,000,000 2,000,000,000 20,000,000,000 400,000,000 600,000,000 ( ) 102 2 25 10100549140 102 2 25 10100549140 103.09 10 2,500,000,000 25,000,000,000 2,123,543,739 21,235,437,390 104.09 10 2,500,000,000 25,000,000,000 2,256,694,695 22,566,946,950 105.09 10 2,500,000,000 25,000,000,000 2,361,758,019 23,617,580,190 103 8 05 123,543,739 10300180780 104 8 31 133,150,956 10400224420 105 9 13 105,063,324 10500217260 600,000,000 2,361,758,019 138,241,981 2,500,000,000 53
( ) 107 5 25 - - - - 1 1 ( ) - - - - 2,361,758,019 2,361,758,019 - - - - 100% 100% ( ) 10 107 5 25 ( ) ( ) (%) 2,000,001 1 2,361,758,019 100 1 2,361,758,019 100 ( ) 107 5 25 (%) 2,361,758,019 100 54
( ) 105 106 - - ( 1) - - - - 11.00 11.02 10.80 ( 2) ( ) 2,361,758 2,361,758 0.40 0.23 0.40 0.23 0.20 ( 2) - - - - - - - - ( 1) - - - - 1. 2. 106 ( ) ( ) 1. 0.001% 55
2. ( ) 106 (106 1 1 106 12 31 ) 0 ( ) (2,474,750) 106 (106/1/1 ~ 106/12/31) 533,288,380 530,813,630 : (159,986,514) (2,666,442) - (368,160,674) 0 ( ) ( ) 1. 2. 106 3. (1) 107 3 22 106 7 (2) 4. 56
( ) ( ) ( ) ( ) ( ) ( ) 107 107 3 31 ( ) 57
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( ) 1. 2. ( ) 1. 105 106 343,549 0.25% 137,468 0.25% 65,266,943 46.86% 28,917,946 52.10% 73,670,198 52.89% 26,449,190 47.65% 0 0.00% 0 0.00% 139,280,690 100.00% 55,504,604 100.00% 106 12 9 ( ) 59
2. 105 106 45,117 0.05% 23,842 0.08% 22,419,501 23.84% 23,162,916 73.93% 3,380,233 3.59% 0 0.00% 22,388,023 23.81% 3,929,482 12.54% 754,806 0.80% 1,372,631 4.38% 400,133 0.43% 0 0.00% 44,304,246 47.12% 2,781,320 8.88% 338,146 0.36% 58,947 0.19% 94,030,205 100.00% 31,329,138 100.00% : -1,796,945-1.91% -899,744-2.87% -700 0.00% -10,268-0.03% 92,232,560 98.09% 30,419,126 97.10% 106 12 9 ( ) 3. 105 ( 1) 106 ( 1) 1,484,352 29% 1,358,582 32% 3,293,201 66% 2,616,929 62% 265,659 5% 255,077 6% 5,043,212 100% 4,230,588 100% 1 60
4. 105 106 147,822,075 69% 113,640,809 90% 48,263,098 23% 0 0% 16,693,688 8% 11,974,580 10% 212,778,861 100% 125,615,389 100% 106 12 9 ( ) ( ) - GDP ( ) ( ) 1. 2018 3% iphone 2018 5G 2018 GDP 61
2. 15 Greenwich Associates 3. (1) 99 4 17 (2) 62
(3) ( ) 1. 2. : ( ) 1. 2. - GDP ( ) 63
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( ) ( 4) 102 ( 1) 104 103 ( ) 105 ( 2) 106 ( 3) 86,994,459 92,124,600 100,507,565 43,001,509 33,673,327 15,801,834 23,326,959 17,315,015 11,616,642 7,363,799 491,043 536,174 528,792 614,708 476,946-25,871,245 25,505,054 32,513,154 16,844,570 1,899,122 0 0 0 0 4,270-150,938,533 157,413,104 125,705,159 92,232,560 30,419,126 46,040,935 42,240,994 53,242,349 46,897,090 50,615,000-63,098 66,098 66,098 66,098 63,098-424,525 619,222 555,447 571,381 16,230-813,124 775,833 613,204 469,072 306,143-13,562 29,155 49,094 137,680 53,236 281,832 463,828 334,329 327,551 725,092 327,734,190 343,101,021 331,430,206 212,778,861 125,615,389 132,265,089 113,816,744 87,304,709 28,697,624 34,782,998 5,283,000 9,452,134 12,210,868 8,250,657 3,591,464 15,210,021 12,564,088 14,164,672 8,810,101 1,346,067 189,196 215,704 73,815 33,634 30,046 143,826,703 175,581,040 184,823,221 139,280,690 55,504,604 8,348,643 6,656,380 6,148,968 498,948 0 234,088 415,539 325,828 400,684 177,601 567,695 662,327 570,234 829,662 161,191 305,924,435 319,363,956 305,622,315 186,802,000 99,593,971 305,924,435 319,363,956 306,054,263 187,277,537 ( 3) 21,809,755 23,737,065 25,807,891 25,976,861 26,021,418 20,000,000 21,235,437 22,566,947 23,617,580 23,617,580 21,235,437 22,566,947 23,617,580 23,617,580 ( 3) 1,755,387 2,400,783 2,567,736 2,190,081 2,245,357 519,950 1,069,273 1,517,103 1,714,544 ( 3) 71
( 4) 102 ( 1) 1: 101 10 16 102 4 7 102 4 8 2: 105 9 1 IFRS 104 3: 106 ( ) 4: 107 104 103 ( ) 105 ( 2) 106 ( 3) 0 0 539,581 0 0 0 0 107,633 0 0 54,368 100,845 133,627 169,200 158,481 21,809,755 23,737,065 25,807,891 25,976,861 26,021,418 21,809,755 23,737,065 25,375,943 25,501,324 ( 3) 72
( ) ( 4) 104 105 102 103 ( ) ( ) ( 1) ( 2) ( 3) 106 3,194,936 4,421,673 4,245,090 1,593,799 1,241,849 : 1,296,728 1,743,757 1,730,510 965,372 956,470 1,898,208 2,677,916 2,514,580 628,427 285,379 3,498,484 4,552,868 3,967,624 1,122,720 1,331,031 5,396,692 7,230,784 6,482,204 1,751,147 1,616,410 (423,380) (32,317) (746,806) 25,586 (16,531) 3,813,044 5,055,174 5,021,235 1,422,445 1,147,703 2,007,028 2,207,927 2,207,775 303,116 485,238 ( ) (248,237) (376,849) (297,740) (48,863) (78,306) 1,758,791 1,831,078 1,910,035 254,253 406,932 0 0 0 681,957 126,356 ( ) 1,758,791 1,831,078 1,910,035 936,210 533,288 ( ) 33,230 96,232 38,480 61,205 (13,194) 1,792,021 1,927,310 1,948,515 997,415 520,094 1,758,791 1,831,078 1,910,035 936,210 533,288 0 0 0 0 0 1,792,021 1,927,310 1,948,515 997,415 520,094 0 0 0 0 0 0.86 0.78 0.81 0.40 0.23 1: 101 10 16 102 4 7 102 4 8 2: 105 9 1 IFRS 104 3: 106 12 9 ( ) 105 12 31 105 4: 107 73
( ) 102 103 104 105 106 74
( ) 104 102 103 ( ) 105 106 % 106.7 90.9 69.1 67.5 56.4 % 0.06 0.04 0.14 0.54 0.61 % 0.79 0.82 0.71 0.71 0.82 % 1.85 1.92 2.05 2.23 2.47 ( ) 0.02 0.02 0.02 0.02 0.03 ( ) 3,546 4,850 4,766 4,887 19,902 ( ) 1,156 1,228 1,404 848 2,349 % 9.67 10.16 9.39 4.54 2.66 % 0.58 0.55 0.57 0.34 0.32 % 8.41 8.04 7.71 3.62 2.05 % 32.59 25.32 29.47 17.35 11.80 0.96 0.86 0.81 0.40 0.23 % 93.35 93.01 92.21 87.79 79.21 % 1.95 2.61 2.15 2.20 0.06 % 3,167.17 4.69-3.40-35.80-40.96 % -6,600.92 10.01-0.01-49.05-40.23 % 47.5 5.1 3.31-121.34-18.85 % 34,566.84 14,357.42 13,868.97 3,731.04 2,609.81 % 3,270.36-2,014.61-9,239.32 37,228.11-107.39 % 120.23 171.72 106.37 101.60 200.91 ( ) 744,948 637,465 757,031 651,220 - % 0.49 0.39 0.59 0.69 - % 0.76 0.47 0.76 0.47 0.27 % 0.82 0.78 0.82 0.78 0.75 % 0.54 0.39 0.54 0.39 0.15 % 0.50 0.36 0.66 0.36 0.12 ( 20% ) 1. 105 ( ) 2. 106 106 105 3. 105 106 4. 106 75
5. 105 106 6. 106 12 9 ( ) 7. 106 0 106 8. 106 1 1. (1) (2) (3) (4) (5) (6) ( 5) (7) 2. (1) = (2) (102 102 4 7 ) (3) (102 102 4 7 ) (4) (5) ( ) ( 3) 3. 4. (1) ( 2) (2) (1) =( ) (2) = 5. ( 6) (1) (2) (3) 6. 7. (1) (2) (3) (4) 2 3 1. 2. 3. 4. 5. 76
4 5 6 1. 2. 3. 7 105 9 1 IFRS 104 8 106 12 9 ( ) 105 12 31 105 9 107 77
( ) 102 103 104 105 106 20,759,750 22,695,222 24,340,089 25,185,668 25,446,381 0 0 0 0 0 2,256,534 2,074,747 1,146,499 1,221,676 747,594 23,016,284 24,769,969 25,486,588 26,407,344 26,193,975 189,796,044 216,801,003 196,826,417 118,728,117 62,935,314 11,475,818 11,513,817 11,278,922 10,653,948 7,687,348 / 15,337,636 14,966,306 5,422,506 5,717,455 2,752,833 216,609,498 243,281,126 213,527,845 135,099,520 73,375,495 10.63% 10.18% 11.94% 19.55% 35.70% 9.58% 9.33% 11.40% 18.64% 34.68% 9.58% 9.33% 11.40% 18.64% 34.68% 4.96% 5.96% 6.41% 10.24% 18.13% : 106 106 1. 2. 1 2 12.5 3 4 ( + ) 5 6 = / 3. 107 78
O O O 79
7 80
106 105 ( ) % 33,673,327 43,001,509 (9,328,182) (21.69) 7,363,799 11,616,642 (4,252,843) (36.61) - 476,946 614,708 (137,762) (22.41) - 1,899,122 16,844,570 (14,945,448) (88.73) 4,270-4,270 100.00-30,419,126 92,232,560 (61,813,434) (67.02) - 50,615,000 46,897,090 3,717,910 7.93 63,098 66,098 (3,000) (4.54) - 16,230 571,381 (555,151) (97.16) - 306,143 469,072 (162,929) (34.73) 53,236 137,680 (84,444) (61.33) - 725,092 327,551 397,541 121.37 125,615,389 212,778,861 (87,163,472) (40.96) 38,782,998 28,697,624 10,085,374 35.14 3,591,464 8,250,657 (4,659,193) (56.47) 1,346,067 8,810,101 (7,464,034) (84.72) 30,046 33,634 (3,588) (10.67) 55,504,604 139,280,690 (83,776,086) (60.15) - 498,948 (498,948) (100.00) 177,601 400,684 (223,083) (55.68) 161,191 829,662 (668,471) (80.57) 99,593,971 186,802,000 (87,208,029) (46.68) 23,617,580 23,617,580 0 0.00 2,245,357 2,190,081 55,276 2.52 158,481 169,200 (10,719) (6.34) - - 0 0.00 26,021,418 25,976,861 44,557 0.17 : 3 20% 1. 2. 3. 106 4. 106 81
5. - 106 6. 7. 8. 9. 10. 106 11. 12. 105 106 ( ) ( 1) ( ) % 285,379 628,427 (343,048) (55) 1,331,031 1,122,720 208,311 19 (16,531) 25,586 (42,117) (165) 1,147,703 1,422,445 (274,742) (19) ( ) (78,306) (48,863) (29,443) 60 406,932 254,253 152,679 60 126,356 681,957 (555,601) (81) 533,288 936,210 (402,922) (43) 106 105 106 1. 106 12 9 ( ) 105 12 31 105 ( ) 106 105 ( ) ( ) -18.85-121.34 84% ( ) 2,609.81 3,731.04-30% ( ) -107.39 37,228.11-100.2% 1. 106 2. 105 106 82
( ) ( ) (1) (2) (3) (1) (2) + (3) 41,459,281 (2,229,000) (417,151) 38,813,130 - - ( ) ( ) 106 3 22 83
( ) 1. (1) A. B. (Board) : ( ) (RMC) (Chief Risk Officer) 84
- - - - - - ( ) C. D. 1. 2. 3. 4. 5. 85
1. 2. E. (2) 106 12 31 ( ) 56,001,964 0 0 0 38,090,474 1,683,530 38,648,788 3,052,979 0 0 0 0 20,107 1,609 1,264,471 104,957 134,025,804 4,843,075 ( ) 2. : 86
3. (1) A. / Operational Risk Measurement and Management Framework (ORMMF) 1. 2. 3. (KRI) 4. 5. ORMMF B. ( ) ( ) ( ) ( ) 87
( ) ( ) C. ( 4 ) ( 3 ) / D. E. (2) ( 104 5,544,831 105 5,161,174 106 1,593,752 12,299,757 614,988 88
4. (1) A. B. C. VAR (Sensitivity Analysis) (DV01) (VAR) (Stress Testing) D. (Loss Limit) (Warning trigger) (Loss Limit) E. 89
(2) A 106 12 31 1 ( ) 2,681,898 2 ( ) 0 3 53,435 4 0 5 17,500 6 7 8 9 2,752,833 1,124 5. (1) 106 12 31 0 10 11 30 31 90 91 180 181 1 1 251,511,351 47,373,354 42,833,612 77,836,887 37,342,173 41,504,321 4,621,004 257,211,992 38,434,006 46,903,067 79,912,056 39,257,833 18,633,201 34,071,829-5,700,642 8,939,347-4,069,455-2,075,169-1,915,660 22,871,120-29,450,825 (2) 106 12 31 0 30 31 90 91 180 181 1 1 9,026,833 3,622,304 3,028,940 1,478,167 717,974 179,448 10,247,373 3,556,788 3,633,285 1,557,846 1,123,608 375,846-1,220,540 65,516-604,345-79,679-405,634-196,398 90
(30 ) (90 ) ALCO 1 (30 ) 30 = 2015 2016 2017 2018 2019 Minimum 60% 70% 80% 90% 100% 2 (90 ) (Wholesale Funding Capacity, WFC) 3 3 (Net Stable Funding Ratio, NSFR) 2018 100% ( ) 91
( ) (FinTech) ( ) ( ) ( ) 37 ( ) ( ) ( ) ( ) ( ) ( ) 92
( ) 107 05 25 ( ) 1. : ( ) 2. 3. 106 12 9 ( ) 93
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1. ( ) 2. ( ) ( ) 7 18 (02) 8722-5000 2 285 24 (04) 2323-6680 ( ) 2018 6 1 197
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