2845 www.feib.com.tw mops.twse.com.tw
Annual Report 2014 Sincerity Diligence Thrift Prudence Innovation
5 14 14 16 16 18 35 52 52 52 53 10 58 59 60 60 65 72 72 72 72 73 73 74 74 84 87 88 89 90 90 2
91 5 91 5 98 103 107 103 108 103 108 108 109 109 110 110 110 111 112 121 121 122 122 125 125 125 125 125 ( ) 126 3
4
103 104 103 Bank3.0 103 103 36.95 102 20.69%103 GDR (EPS) 1.31 102 5.65% (ROA) 0.73% (ROE) 11.33% 10% 0.39% 371.93% Bank3.0 TSM OTA Cavalia 104 12 E M O2O Big Data 40% Happy Go 5
6
103 104 103 ( ) 103 610 102 9.52%103 102 10.5% ( ) 1. 103 1,824 102 3.33% 5.73% 2. 103 148.8 102 4.99% 639 ( ) 103 1,437 102 12.88% 19.85% 30.91% 29.13% 35.37% 14.35% ( ) 103 102 28.59% 254.47% 96.20% TMU 59.48% 16.94% ( ) 103 5,213 101.05% ( )4,241 100.11% 3,239 95.56% ( ) 103 105.71 102 14.21% 53.76 102 10.05% 51.95 102 18.87% 103 36.95 102 20.69%103 40.76 3.65 1.31 102 5.65% 7
8
(Fitch Ratings) A(twn) F1(twn) BBB- F3 / FE DirectE & M 103 TSM OTA OTP E M ( ) 32 ( ) 103 3.0 15% 103 104 9
10
104 104 ( ) 5,510 ( ) 4,429 ( ) 3,654 ( ) FE DirectE M OTP (TDR) ( ) 1. E M Big Data Cross Sales Bundle Sales 2. HAPPY GO HAPPY GO Cest Moi SOGO etag HAPPY GO etag happycash E M ( ) 11
12
E-commerce Corporate Finance ( ) TMU 13
81 1 11 78 1 19 5 14 100 10 80 8 1 12 9 9 3 11 4 9 4 11 84 11 87 11 92 7 1 1 88 95 97 97 98 AIG 100 ING 14
99 FE Direct 4 19 5 100 iphone Android e M 102 FETP 101 101 103 56 15
16 6 ( )
( ) 1. ATM 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 17
( ) 1. 104 5 15 ( ) ( ) (%) ( ) (%) ( ) (%) ( ) 101.6.27 84.5.19 3 7,639,107 *12,857 0.3606 *0.0006 8,822,877 *14,848 0.3083 *0.0005 0 *0 0 *0 0 *0 ( ) 101.6.27 80.12.09 3 4,765,686 0.2249 5,504,185 0.1923 0 0 0 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 101.6.27 80.12.09 3 43,585,568 *1,264,369 2.0573 *0.0597 50,339,676 *1,460,296 1.7590 *0.0510 0 *0 0 *0 ( ) 0 ( ) *0 ( ) ( ) ( ) 101.6.27 92.5.29 3 43,585,568 *0 2.0573 *0 50,339,676 *0 1.7590 *0 0 *0 0 *0 0 *0 ( ) ( ) ( ) ( ) ( ) 101.6.27 86.5.21 3 17,465,812 *3,667,459 0.8244 *0.1731 20,172,349 *4,806,294 0.7049 *0.1679 0 *5,425 0 *0.0002 0 *0 ( ) ( ) ( ) 18
( ) ( ) (%) ( ) (%) ( ) (%) ( ) 101.6.27 92.5.29 3 58,915,143 *792,636 2.7809 *0.0374 68,044,753 *1,399,004 2.3777 *0.0489 0 *0 0 *0 ( ) 0 *0 ( ) ( ) ( ) ( ) ( ) 101.6.27 89.5.21 3 58,915,143 *0 2.7809 *0 68,044,753 *0 2.3777 *0 0 *0 0 *0 0 *0 ( ) 101.6.27 98.6.27 3 0 0 0 0 0 0 0 ( ) ( ) ( ) ( ) ( ) ( ) 101.6.27 99.1.19 3 0 0 0 0 0 0 0 ( ) ( ) ( ) 19
( ) 101.6.27 95.6.27 101.6.27 89.5.21 3 3 ( ) 65,553,900 *0 65,553,900 *0 (%) 3.0943 *0 3.0943 *0 ( ) 75,712,265 *0 75,712,265 *0 (%) 2.6456 *0 2.6456 *0 ( ) 0 *0 0 *0 (%) 0 *0 0 *0 ( ) 0 *0 ( ) 0 *0 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 101.6.27 95.6.27 3 2,193,793 *0 0.1036 *0 2,533,746 *0 0.0885 *0 0 *0 0 *0 0 *0 ( ) * 20
104 5 15 (%) (26.95) (25.36) (15.66) (13.20) (4.61) (3.89) (3.89) (2.59) (2.31) (1.53) (9.28) (9.17) (7.20) (6.70) (5.61) (4.06) (4.01) (3.75) (3.13) (1.92) (41.86) (38.76) (19.38) (22.33) (5.40) (4.49) (2.31) (1.81) (1.49) (1.41) (1.41) (1.33) (1.29) (23.77) (4.81) (3.60) (2.99) (2.74) (2.33) (2.31) (2.10) (1.65) (1.55) (100.00) 21
104 5 15 (%) (99.87) (0.03) (73.54) ( ) (26.46) (100.00) (100.00) (100.00) (41.86) (38.76) (19.38) (83.81) (16.03) (37.13) (35.50) (14.50) (12.86) (0.00) (0.00) (66.66) (33.34) (47.00) (45.50) (5.00) (1.00) (1.00) (0.50) (99.40) (0.30) (0.30) (23.77) (4.81) (3.60) (2.99) (2.74) (2.33) (2.31) (2.10) (1.65) (1.55) (22.33) (5.40) (4.49) (2.31) (1.81) (1.49) (1.41) (1.41) (1.33) (1.29) (100.00) (100.00) (83.11) (7.52) (3.25) (0.88) (0.28) (0.15) (0.11) (0.05) (0.05) (0.05) (0.05) (100.00) (29.92) (25.02) (18.96) (17.66) (6.50) (1.84) (0.10) (100.00) (26.95) (25.36) (15.66) (13.20) (4.61) (3.89) (3.89) (2.59) (2.31) (1.53) (68.18) ( ) (31.82) (16.80) (5.56) (4.68) (2.75) (2.19) (2.02) (1.44) (1.41) (1.38) (1.25) (100.00) (9.74%) (4.64%) (3.24%) (2.41%) (2.35) (1.97%) (1.83%) (1.79%) T (1.59%) ( ) (1.38%) (99.99) (0.00) 22
2. 1 2 3 4 5 6 7 8 9 10 0 0 0 2 0 0 1 3 1 0 2 0 (1) (2) ( 50% ) (3) 1% 10 (4) 3 (5) 5% 5 (6) 5% (7) (8) (9) 30 (10) 27 23
( ) 104 5 15 ( ) (%) (%) ( ) 85.06.17 4,806,294 0.1679 5,425 0.0002 0 ( ) ( ) ( ) 93.03.03 1,399,004 0.0489 0 0 0 ( ) ( ) ( ) ( ) ( ) ( ) 103.08.21 2,004,170 0.0700 0 0 0 103.08.21 372,746 0.0130 1,152,360 0.0403 0 97.07.21 477,381 0.0167 0 0 0 102.03.20 458,285 0.0160 0 0 0 KPMG 102.03.20 484,194 0.0169 0 0 0 ( ) ( ) ( ) 103.03.11 0 0 0 0 0 104.03.20 84,733 0.0030 0 0 0 98.04.15 119,910 0.0042 0 0 ( ) 0 ( ) 99.03.16 409,797 0.0143 0 0 0 ( ) 99.03.16 234,938 0.0082 0 0 0 ( ) ( ) ( ) 24
( ) (%) (%) ( ) 99.10.01 50,923 0.0018 0 0 0 ( ) 101.03.27 197,083 0.0069 0 0 0 101.03.27 188,307 0.0066 0 0 0 102.08.15 589,636 0.0206 0 0 0 103.08.21 108,058 0.0038 0 0 0 103.12.26 0 0 0 0 0 102.04.22 18,890 0.0007 0 0 0 95.10.19 219,342 0.0077 0 0 0 ( ) 95.10.19 185,321 0.0065 0 0 0 95.10.19 211,486 0.0074 0 0 0 ( ) 96.12.19 64,206 0.0022 0 0 0 Belize Bank 99.05.17 57,261 0.0020 0 0 0 100.06.15 321,301 0.0112 0 0 0 100.06.15 70,173 0.0025 17,192 0.0006 0 101.03.27 180,547 0.0063 0 0 0 25
( ) (%) (%) ( ) 101.08.23 243,507 0.0085 0 0 0 101.09.17 49,178 0.0017 0 0 0 ( ) 101.12.21 707 0.0000 0 0 0 101.12.21 354,064 0.0124 0 0 0 101.12.21 404,473 0.0141 0 0 0 101.12.21 108,431 0.0038 0 0 0 102.08.15 38,540 0.0013 0 0 0 102.08.15 141,830 0.0050 0 0 0 102.08.15 182,704 0.0064 0 0 0 102.08.15 253,379 0.0089 0 0 0 102.10.14 1,615 0.0001 0 0 0 103.01.01 0 0 0 0 0 103.08.21 414,797 0.0145 175,372 0.0061 0 103.08.21 113,809 0.0040 0 0 0 103.08.21 166,640 0.0058 1,142 0.0000 0 103.08.21 163,566 0.0057 0 0 0 103.08.21 191,365 0.0067 0 0 0 103.08.21 387,301 0.0135 0 0 0 99.03.01 49,918 0.0017 0 0 0 ( ) ( ) ( ) 99.03.16 516,450 0.0180 39,649 0.0014 0 26
( ) (%) (%) ( ) 100.06.15 157,520 0.0055 0 0 0 101.03.27 25,347 0.0009 0 0 0 101.12.21 85,423 0.0030 0 0 0 103.08.21 78,290 0.0027 0 0 0 103.11.17 52,138 0.0018 0 0 0 94.03.08 145,305 0.0051 0 0 0 94.03.08 103,639 0.0036 0 0 0 94.03.08 89,708 0.0031 0 0 0 94.09.01 53,885 0.0019 0 0 0 94.12.21 75,666 0.0026 0 0 0 95.04.01 152,107 0.0053 0 0 0 96.12.19 58,276 0.0020 0 0 0 97.04.01 48,330 0.0017 0 0 0 98.04.20 71,911 0.0025 39,327 0.0014 0 98.04.20 59,706 0.0021 0 0 0 99.04.03 71,079 0.0025 0 0 0 99.04.03 51,823 0.0018 0 0 0 99.04.03 170,436 0.0060 0 0 0 99.04.03 30,662 0.0011 0 0 0 99.04.03 32 0.0000 0 0 0 99.04.03 36,359 0.0013 0 0 0 ( ) 99.04.12 0 0 0 0 0 100.01.01 15,814 0.0006 0 0 0 100.06.16 0 0 0 0 0 ( ) 27
( ) (%) (%) ( ) 100.06.16 21,313 0.0007 0 0 0 100.06.16 2,504 0.0001 0 0 0 ( ) 100.06.21 40,330 0.0014 0 0 0 ( ) 100.07.01 17,107 0.0006 0 0 0 100.07.12 18,488 0.0006 0 0 0 101.01.01 27,660 0.0010 0 0 0 101.08.01 1,298 0.0000 0 0 0 102.01.01 65,779 0.0023 0 0 0 102.01.01 433,076 0.0151 0 0 0 ( ) 102.01.01 10,343 0.0004 0 0 0 ( ) ( ) 102.01.01 17,814 0.0006 0 0 0 102.01.01 25,022 0.0009 0 0 0 102.01.01 33,519 0.0012 0 0 0 102.01.21 8,495 0.0003 0 0 0 102.11.01 0 0 0 0 0 102.11.01 31,660 0.0011 0 0 0 103.01.01 0 0 0 0 0 103.01.01 0 0 0 0 0 103.01.22 0 0 0 0 0 28
( ) (%) (%) ( ) 104.01.01 0 0 0 0 0 104.01.01 98,332 0.0034 15,910 0.0006 0 ( ) 104.01.01 0 0 0 0 0 104.01.01 0 0 0 0 0 ( ) 104.03.20 172 0.0000 0 0 0 104.03.20 50,451 0.0018 0 0 0 104.03.20 22,696 0.0008 16,571 0.0006 0 104.04.01 69,526 0.0024 73,285 0.0026 0 104.04.01 0 0 32,176 0.0011 0 104.04.01 8,294 0.0003 0 0 0 ( ) 29
( ) 1. ( ) 103 12 31 (A) (B) AB C D (C)( 1) (D) (%) (E) (F) (G)( 2) (H) AB CD EF G (%) ( ) 970,000 ( ) ( ) 52,080,077 ( ( ) 5,400,000 5,484,000 - - 36,596,444 36,596,444 360,000 438,000 1.15 1.15 ( ) ( ) $1,612,800 $2,495,122) 52,080,077 ( $1,612,800 $2,495,122) - - - 5,463,909-5,463,909 - - - - 2.70 2.71 665,000 30
103 12 31 2,000,000 2,000,000 5,000,000 (A+B+C+D) (A+B+C+D+E+F+G) 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 - - - - 9 9 9 9 1 2 2. 103 12 31 (A) (B) (C) ( ) (D) ABC D 360,000 388,000 - - 6,599,492 6,599,492 180,000 180,000 0.19 0.19 31
103 12 31 (A+B+C+D) 2,000,000 2,000,000 ( ) 5,000,000 ( ) - - 5,000,000 ( ) 10,000,000 ( ) 10,000,000 ( ) 15,000,000 ( ) - - 15,000,000 ( ) 30,000,000 ( ) - - 30,000,000 ( ) 50,000,000 ( ) - - 50,000,000 ( ) 100,000,000 ( ) - - 100,000,000 ( ) - - 3 3 : 3. 103 12 31 (A) (B) (C) (D) ABC D 665,000 (103.8.21 ) $45,256,843 $45,256,843 (103.8.21 ) ( : ( : $30,439,159 $30,439,159 $7,208,061 $7,208,061 - $14,022,455 - $14,022,455 2.62 2.64 - - - (104.4.1 ) $2,832,200 $4,102,552) $2,832,200 $4,102,552) (103.3.16 ) (103.3.11 ) * 32
103 12 31 2,000,000-2,000,000 5,000,000 5,000,000 10,000,000 10,000,000 15,000,000 15,000,000 30,000,000 30,000,000 50,000,000-50,000,000 100,000,000-100,000,000-10 10 103.3.16 103.3.11 104.4.1 E 4. 104 5 15 104 5 15 24 29 36,746,525-36,746,525 0.99% * 33
( ) 1. :% 102 103 1.05 1.06 1.15 1.15 0.19 0.19 0.19 0.19 2.72 2.73 2.62 2.64 3.96 3.98 3.96 3.99 2. (1) (2) 34
( ) 103 5 ( ) ( ) ( ) 5 0 100% - 5 0 100% - ( ) 5 0 100% - ( ) 5 0 100% - ( ) 5 0 100% - ( ) 5 0 100% - ( ) 3 0 60% - 4 1 80% - 5 0 100% - ( ) 5 0 100% - ( ) 4 0 80% - ( ) 5 0 100% - 14 3 103 103 / Settlement ( ) 96.12.19 6 8 97.3.18 6 9 100.3.21 7 10 101.12.21 8 3 103.8.21 8 14 ( ) 99.9.16 ( ) 99.5.27 7 7 100.3.21 7 10 ( ) 14 100.8.5 35
( ) 1. 104 6 2. 103 5 ( ) ( ) 5 100% - 4 80% - ( ) 5 100% - ( ) 100.3.21 7 10 103.3.4 8 11 1 102 103.4.28 103.5.14 ( ) http://www.feib.com.tw/ http://mops.twse.com.tw/ 36
( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 100.8.5 103.5.14 103 104 6 104 37
( ) 87 89 112 99.11.16 150 643,636 300 / / / 38
101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.6.27 101.11.14 101.11.14 3 102.10.25 102.10.25 3 103.09.09 103.09.09 101.12.20 101.12.20 3 102.12.20 102.12.20 3 103.12.22 103.12.22 CSR 3 101.12.20 101.12.20 3 102.12.20 102.12.20 3 103.12.22 103.12.22 CSR 3 101.07.13 101.7.13 3 101.12.20 101.12.20 3 102.11.28 102.11.28 9 3 103.12.22 103.12.22 CSR 3 101.12.20 101.12.20 3 102.12.20 102.12.20 3 103.12.22 103.12.22 CSR 3 101.12.20 101.12.20 3 102.12.20 102.12.20 3 103.12.22 103.12.22 CSR 3 101.10.23 101.10.23 3 102.12.23 102.12.23 3 103.10.08 103.10.08 3 101.12.20 101.12.20 3 102.08.20 102.8.20 3 103.11.20 103.11.20 10 3 101.05.18 101.5.18 3 103.12.22 103.12.22 CSR 3 101.12.20 101.12.20 3 102.12.13 102.12.13 3 103.12.22 103.12.22 CSR 3 101.08.21 101.8.21 3 102.05.27 102.5.27 102 3 103.06.16 103.06.16 3 101.12.25 101.12.25 102.12.24 102.12.24 103.12.22 103.12.22 CSR 3 3 3 3 39
85.06.17 103.12.22 103.12.22 CSR 3 93.03.03 103.12.22 103.12.22 CSR 3 103.03.11 103.06.09 103.06.10 14 103.06.26 103.06.26 103 2 3 103.08.21 103.08.11 103.08.12 103.09.25 103.09.25 IFRS IASB 103 3 12 6.5 103.12.17 103.12.17 103 4 6.5 40
( ) 1. 1 2 1 2 3 4 5 6 7 8 3 3 1 103.3.20 103.5.14 1 2 (1) (2) (3) (4) (5) (6) (7) (8) 30 3 6 5 2. (1) (2) 41
3. (1) 3 (2) 101 6 27 104 6 26 3 (A) (B) (%) (B/A) 2 1 66% 3 0 100% 0 0 0% 103.3.20 3 0 100% 103.5.14 ( ) ( ) 103.3.4 ( ) 103.7.15 ( ) 1. <=5 2. 2.0 3. 20 15 42
( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 104 103 ( ) ( E ) 1. 103 102 272,308 CO2 142,145KG 2.22% (1) 97 (2) 26 C~28 C (3) OA 2. 103 102 2,967 3.75% (1) (2) 3. (1) 103 25.69% ( ) E 103 42,000 43
( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 2008 OTC on-the-job training (Circulate) (VISA/ MasterCard/JCB) EMV 60 97 103 ( / ) 44
87 ( ) ( ) ( ) ( ) 45
( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 46
( ) 1. 2. 3. 4. 5. 6. 7. ( ) ( ) 47
( ) 1. 103 1 1 103 12 31 ( ) ( ) ( ) ( ) 104 1 6 48
2. ( ) 1. 2. 3. 102 3 27 61 1 1 a. b. c. d. e. 4. 5. 49
( ) 103 1. 103 103.6.24 1. 102 2. 102 3. 4. 5. 6. 7. 1. 102 2. 102 103 9 10 3. 103 7 18 1030026505 103 8 18 10301171180 103 9 10 4. 5. 103 7 21 10301139520 6. 7. 8 16 104 50
2. 8 11 103.3.4 102 102 102 100 103 6 24 103 103 4 18 103 4 28 8 12 103.5.14 103 8 13 103.7.15 102 8 14 103.8.21 103 ( ) 8 15 103.11.4 103 8 16 104.3.20 104 103 103 103 100 104 6 16 104 104 4 10 104 4 20 ( ) 51
( ) 103 ( ) ( ) 96/4/25 103/03/16 ( ) 1/4 5,770-185 - 8,680 8,865 (GDR) ( ) ( ) 15% 52
103 ( ) ( ) *379,124 638 103 104 4 30 - - - - 236,518 - - - ( ) ( ) ( ) ( ) ( ) *2,163,127 62,749 *2,163,127 - *866,818 409,899 *2,923,925 225,206 *2,923,925 - - - - - - - - - ( ) ( ) ( ) *3,253,402 - *3,253,402 - *108,876-409,899 - - - 225,206 - - - 251,209 - - - (960,017) - - - 109,038 - - - 108,218 - - - 71,052 - - - 40,113 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 53
103 104 4 30 48,615 - - - 71,280 - - - 57,801 - - - 18,867 - - - 32,877 - (20,000) - 51,024 - - - 58,687 - - - 56,251 - - - 18,890 - - - 32,831 - - - 23,084 - - - 19,616 - - - (143,801) - - - 25,238 - - - 19,786 - - - 5,163 - - - 46,681 - - - 29,052 - - - 49,178 - - - (802) - - - 48,465 - - - 49,973 - - - 47,725 - - - 23,856 - - - 32,319 - - - 41,395 - - - 30,877 - - - 69 - - - 26,770-281,793-40,381 - - - 20,051 - - - 54
103 104 4 30 37,247 - - - 36,024 - - - 46,084 - - - (9,485) - (9,000) - 28,063 - - - 16,341 - - - 17,049 - - - 14,306 - - - 14,849 - - - 25,841 - - - 6,244 - - - 14,657 - - - 11,099 - - - 14,784 - - - 10,975 - - - 13,707 - - - 15,541 - - - 7,712 - - - 9,723 - - - 15,505 - - - 11,024 - - - 9,331 - - - 14,329 - - - 8,521 - - - (160) - - - 9,674 - - - (7) - - - 14,991 - - - 10,595 - - - (12,720) - - - 20,158 - - - 55
103 104 4 30 7,041 - - - 9,573 - - - 18,745 - - - 10,298 - (9,000) - 15,822 - - - 28,181 - - - 10,343 - - - 7,715 - - - 6,762 - - - 10,030 - - - 8,495 - - - 14,642 - - - 15,185 - - - 11,011 - - - 294,491 - - - 866,818 - - - 818,998 - - - 841,014 - - - 359,381 - - - 24,170 - - - 30 - - - 11 - - - 111,979 - - - 384,432-75,000-2,923,925 - - - 5,009,799 - - - 1,089,348 - - - 2,163,127 - - - 23,092 - - - 23,092 - - - 23,092 - - - 56
103 104 4 30 23,092 - - - 23,093 - - - 11 - - - 24,753 - - - 3,992,915 - - - 27,558 - - - 74,420 - - - 6,160,580 - - - 2,921,820 - - - 5,456,081 - - - 4,840,230 - - - 108,876 - - - 2,089,401 - - - 3,288,942 - - - 1,030,348 - - - 3,253,402 - - - 173,548 - - - 791,447 - - - 4,426,111 - - - 309,609 - - - 131,103 - - - 5,009,197 - - - 222,459 - - - * ( ) ( ) 57
% 104 5 15 ( ) 143,367,263 5.01% - - - - ( ) ( ) (2) (2) - - ( ) 126,972,371 4.44% - - - - ( ) (3) - ( ) 116,586,636 4.07% - - - - ( ) ( ) ( ) (2) (1) (3) (1) - - - ( ) 116,572,610 4.07% - - - - ( ) ( ) ( ) (2) (2) (3) (1) - - - ( ) 112,640,472 3.94% - - - - ( ) (3) - ( ) 103,003,215 3.60% - - - - ( ) ( ) ( ) (1) (2) (3) (1) (3) - - - ( ) 92,921,982 3.25% - - - - ( ) ( ) (2) (1) - - ( ) 76,539,331 2.67% - - - - ( ) ( ) (2) (1) - - ( ) 75,712,265 2.65% - - - - ( ) ( ) ( ) ( ) (1) (3) (1) (1) (1) (2) (3) (2) (2) - - - - - - ( ) 68,044,753 2.38% - - - - ( ) ( ) ( ) ( ) ( ) ( ) ( ) (1) (1) (1) (2) (3) (1) (2) (3) (2) (2) - - - - - - - (1) (2) (3) 58
% 103 12 31 ( ) 300,000 10.00% - - 300,000 10.00% ( ) 5,118,750 1.1375% - - 5,118,750 1.1375% ( ) 95,492,515 22.06% 31,200 0.01% 95,523,715 22.07% ( ) 2,237,896 1.76% - - 2,237,896 1.76% ( ) 3,000,000 100.00% - - 3,000,000 100.00% ( ) 350,000 100.00% - - 350,000 100.00% ( ) 12,000,000 40.00% - - 12,000,000 40.00% ( ) 80,000 0.40% - - 80,000 0.40% ( ) 120,000,000 100.00% - - 120,000,000 100.00% ( ) 207,304 3.46% - - 207,304 3.46% ( ) 20,000,000 100.00% - - 20,000,000 100.00% ( ) 7,485,000 4.99% - - 7,485,000 4.99% 59
( ) 1. : 104 5 15 ( ) 81 10 1,000,000,000 10,000 1,000,000,000 10,000 80.8.1 84 10 10 25,000,000 250 25,000,000 250 84.9.4(84) ( ) 85 7 10 29,750,000 297 28,700,000 1,050,000 287 10 85.7.6(85) ( ) 86 8 15 10 87 8 12.5 10 10 10 135,250,000 1,353 99,170,000 34,806,750 1,273,250 211,023,500 2,110 150,000,000 41,650,000 1,523,500 17,850,000 88 7 10 78,696,500 787 44,832,752 1,640,208 26,619,446 5,604,094 89 7 10 10 10 45,095,400 451 19,236,360 703,800 22,195,800 2,959,440 992 348 13 1,500 416 15 179 448 17 266 56 192 7 222 30 86.7.25(86) ( ) 86.7.30(86) ( ) 87.7.21(87) ( ) 88.6.23(88) ( ) 89.6.30(89) ( ) 92 7 10 475,184,600 4,752 92.7.28 93 8 10 10 10,407,594 (26,579,000) 104 (266) 93.8.23 94 3 10 78,056,834 781 94.3.29 94 6 10 47,914,226 479 94.6.14 94 7 10 102,854,595 6,707,909 1,029 67 94.6.9 94 8 10 4,958,329 50 94.9.13 94 11 10 37,038,723 370 94.11.14 95 3 10 5,075,280 51 95.4.14 95 9 10 64,094,041 4,180,047 641 42 95.7.31 18,312,584 183 96 3 10 215,969 2 96.4.13 60
( ) 96 6 10 500,000,000 5,000 96.7.4 96 6 10 647,907 6 96.7.19 96 12 10 1,079,849 11 97.1.4 97 6 10 1,000,000,000 10,000 97.6.27 97 12 6.5 ( ) 461,538,000 4,615 98.1.17 98 6 10 1,000,000,000 10,000 98.6.26 98 6 10 (407,520,824) (4,075) 98.6.30 99 7 10 67,489,532 5,861,971 675 59 99.7.30 100 7 10 103,368,172 8,043,315 1,034 80 100.7.27 101 8 10 113,131,129 10,568,089 1,131 106 101.8.24 102 7 10 110,543,402 9,315,191 1,105 93 102.7.31 103 1 11.25 365,000,000 3,650 102.11.26 103.1.23 103 7 10 122,447,610 1,224 12,260,455 123 4,500,000,000 45,000 2,861,826,329 28,618 6.5 2. 103.7.18 104 5 15 2,861,826,329 1,638,173,671 4,500,000,000 ( ) 104 5 15 3 18 215 68,336 167 68,739 ( ) 16,906,765 65,558,742 1,492,042,567 1,011,864,560 275,453,695 2,861,826,329 (%) 0.59 2.29 52.14 35.36 9.62 100.00 61
( ) 1. 10 104 5 15 ( ) (%) 1 999 26,027 7,046,925 0.25% 1,000 5,000 20,112 44,449,686 1.55% 5,001 10,000 7,010 48,345,470 1.69% 10,001 15,000 5,305 64,114,909 2.24% 15,001 20,000 2,454 41,028,131 1.43% 20,001 30,000 2,426 57,928,382 2.02% 30,001 50,000 1,847 70,062,916 2.45% 50,001 100,000 1,644 113,029,877 3.95% 100,001 200,000 980 131,446,265 4.59% 200,001 400,000 478 131,506,814 4.60% 400,001 600,000 179 88,147,508 3.08% 600,001 800,000 70 48,167,230 1.68% 800,001 1,000,000 41 36,825,292 1.29% 1,000,001 166 1,979,726,924 69.18% 68,739 2,861,826,329 100.00% 2. ( ) 104 5 15 ( ) (%) 143,367,263 5.01% 126,972,371 4.44% 116,586,636 4.07% 116,572,610 4.07% 112,640,472 3.94% 103,003,215 3.60% 92,921,982 3.25% 76,539,331 2.67% 75,712,265 2.65% 68,044,753 2.38% 10 62
( ) 2 102 103 104 5 15 13.00 12.50 11.50 11.50 9.93 10.25 ( 2 ) 12.14 10.99 10.88 12.26 12.67 12.99( 6) 11.38 ( 1) ( 1) 2,355,173 2,826,157 2,861,826( 6) 1.30 1.31 0.38( 6) 1.24 ( 1) ( 1) 0.25 0.40-0.449 0.537 - - - - - - - ( 3) 9.32 8.25 - ( 4) 48.44 27.03 - %( 5) 2.06 3.70-1 104 2 3 4 5 102 103 12.11 10.81 6 104 3 31 ( ) 1. (1) (2) (3) 63
2. 0.400 0.537 53.7 0.937 ( ) 104 ( ) 28,618,263 0.4000 0.0537 - ( ) ( ) " " ( ) " " ( ) " ( ) " " " " " " " 104 89 2 1 (89) ( ) 00371 ( ) 1. (1) (2) (3) 2. 64
30% 6% 2% 3. (1) ( ) 0 174,882,474 58,294,158 (2) 174,882,474 4.52% (3) 1.30 4. (1) ( ) 0 12,260,455 10.14 124,321,022 41,440,341 (2) ( ) 103 104 : 103 210 ( 30 180 ) 1.5 ( ) 65
94 4 97 1 94.6.23 ( ) 0940015249 97.4.30 ( ) 09700159540 94.8.26 97.6.17 2.30% A 3.90% B 90 CP+1.00% 10 104.8.26 7 104.6.17 15,867,008 18,797,803 18,895,813 18,819,476 143.47% 170.07% Fitch97.6.16A-(twn) 66
99 1 99 2 98.11.30 09800553880 99.9.9 09900355890 99.5.18 99.9.29 2.98% 2.10% 7 106.5.18 7 106.9.29 19,337,974 19,337,974 20,569,524 20,569,524 Fitch99.4.30A-(twn) 70.87% 80.59% Fitch99.9.27A(twn) 67
100 1 101 1 100.9.1 10000304630 101.5.25 10100164700 100.11.10 101.6.27 1.95% 1.75% 7 107.11.10 7 108.6.27 20,071,489 21,185,604 22,305,324 24,124,738 Fitch100.10.26A-(twn) 89.62% 94.92% Fitch101.6.27A-(twn) 68
102 102 1 101.09.11 1010036130 101.10.09 1010044835 102.01.10 1010060416 102.5.8 10200123360 102.02.07 102.11.6 200,000 150,000,000 0% 2.10% 5 107.02.07 7 109.11.6 101.89% 150,000,000 22,422,596 22,422,596 26,085,624 26,085,624 69
(1) 30 30 20 ( ) ( ) 130% (2) 90% (3) = 0.375% (1) (2) 41 10 (3) 14.09 ( ) 104.78% 104.78% Fitch102.01.31BBB- Fitch102.11.6BBB+(twn) 70
103 1 103.4.23 10300105790 103.12.23 2.05% 7 110.12.23 23,621,182 32,347,065 78.62% Fitch103.12.23BBB+(twn) 71
103 1 28 103 1 28 135,050,000 7.4 18,250,000 104/3/31 18,284,932 365,698,644 Citi Bank N.A. ( ) 786,809 ( 104 3 ) 7.499 103 104 5 15 6.451 6.911 7.486 6.439 6.855 72
( ) ( ) 5 1. 99 4 3 19 2. ( ) ( ) ( ) (BIS) ( ) 103.4.23 40 2 103.12.23 11 ( 1) 103.3.4 1 73
( ) 1. (1) 103 ( ) 102 9.5%103 102 10.5% 103 102 45% (2) 103 102 3.3 % 5.7% 103 149 102 5% 639 102 (3) ( ) 103 103 102 13 % 103 103 102 20% 103 14% 16% 14% (4) / (FX Margin Trading) 74
e 24 102 10 FETP 102 RP A-( ) 102 134 103 300 Risk Premium 2. 103 102 103 21% 20% 13% 25% 27% 1% 16% 18% -4% 18% 18% 14% 20% 17% 29% ( ) 1. (1) ( ) (2) (3) VIP 75
6,000 ATM ATM (4) One Bank Big Data Product Holdings e 2. Bank3.0 e&m Big Data (Bundle Sales) VIP (1) e&m 76
e&m e (2) HAPPY GO HAPPY GO HAPPY GO etag e&m e&m HAPPY GO e&m 3. (1) (2) (3) E-commerce (4) Corporate Finance (5) (6) 4. (1) FED 77
(2) TMU IndividualCorporate Institutional FETP (3) TMU (4) ( ) 1. 2014 2015 IMF 3.5% 3.3% 2014 11 QE3 2015 QE 2015 2015 GDP 3.5%CPI 0.91% 78
2015 e&m 2015 3 2015 HAPPY GO e&m 2. (1) 3.0 104 (2) 79
TDR F TDR ( ) (3) M e Corporate Financing (SD) ( ) 80
( ) 1. 2 (1) TDR Portfolio Management (MCI) 102 HAPPY GO 102 HG APP_ i e 102 MasterCard incontrol 102 10 103 ( USD/ CNH) (USD/ZAR) (2) 103 104 102 101 103 103 ( ) (3) TDR 103 41.23% 45% 2. 2 2 : 103 102 444,182 262,842 81
3. Bank 3.0 e M (100% ) (100% ) (100% ) (100% ) (100% ) (100% ) (100% ) ( ) 22,752 104 12 143,312 104 12 69,970 104 12 29,309 104 12 64,836 104 12 54,663 104 12 59,340 104 12 ( ) 1. (1) Corporate Finance (2) (3) (4) e & M ( i ) e (5) NFC HAPPY GO (6) / /3C/ (7) VIP 82
(8) 104 (9) Asset Swap (10) / / (11) TMUACH Cross Selling 2. (1) (2) / Cash Management (3) (4) (5) (6) TMU (7) Asset Swap (8) (9) (10) HAPPY GO 83
( ) 2 102 103 104 5 15 104 5 15 542 573 573 1,241 1,259 1,241 681 678 669 17 18 20 2,481 2,528 2,503 37.03 37.38 37.68 8.08 8.32 8.58 15.84% 17.37% 17.18% 62.19% 62.58% 63.12% 19.91% 18.07% 17.78% 2.02% 1.94% 1.88% 0.04% 0.04% 0.04% 1,545 1,529 1,517 1,320 1,285 1,275 1,306 1,277 1,249 1,136 1,122 1,105 570 555 545 745 729 712 390 418 418 567 560 560 27 26 26 320 311 309 258 247 247 ( ) 124 126 126 158 163 168 158 166 167 5 3 3 468 447 443 Certied Financial Planner (CFP) 9 13 13 Chartered Financial Analyst (CFA) 3 1 1 ( ) 2 2 2 ( ) 1 1 1 ( ) 1 1 1 ( ) 0 1 1 3,196 3,361 3,349 12,309 12,344 12,238 84
( ) 103 12 31 5 3 52 ( ) 2 62 ( ) 3 101 13,115 25,331 745 2,412 1,564 429 15,528 26,895 1,174 102 12,562 23,534 882 3,915 1,451 465 16,477 24,985 1,347 103 10,727 26,365 1,295 2,039 1,161 451 12,766 27,526 1,746 1 12 496 TTQS 2 102 1 E-Learning 103 168 23,227 753 431 838 416 (TMC) 945 916 1,746 170,145 48,870 168 40,626 ( ) 104 1. 2. (MA, Management Associate) 85
3. ( ) 1. 2. (1) (2) (3) 3. 4. 5. 6. 7. 8. 86
( ) ( ) 1. 86 103 3,987 6,545 APP 6 APP 102 4 103 106,470 2. 103 2014 3. ( ) 1. 103 103 12 103 2. & 103 9 3. 103 3 15,323 48 ( ) e 87
e ATM 103 4 103 25.69% ( ) 1. 96 921 60 60 104 2. SOGO Cavalia ( ) ( ) ( ) Unisys Libra 750 MCP IBM AS/400 OS/400 IBM RS/6000 AIX IBM Mainframe OS/390 IBM RS/6000 AIX IBM RS/6000 AIX IBM RS/6000 Windows (CB) Windows AIX Windows Windows 88
( ) 1. / Cash Management operational bank 2. 3. 4. 5. 6. NFC 7. 8. 9. ( ) 1. BSI ISO 27001 2. 3. 4. (personal information management system) 103 9 BSI BS 100122009 ( ) 1. 2. 3. 4. 5. 6. 7. 8. 89
9. 10. 11. ( ) 1. 2. 55 ( ) 1. 2. 3. 4. 5. ( ) IBM Unisys 104 5 15 104.4.1~105.3.31 103.8.1~104.7.31 103.1.1~104.12.31 104.1.1~104.12.31 104.1.1~104.12.31 90
5 ( ) 1 101 102 103 104 3 31 4 88,415,159 93,224,900 86,210,099 79,382,719 16,110,835 18,795,444 25,944,211 23,788,603 11,865,864 21,735,693 30,518,170 38,967,398 180,242 111,034 40,439 26,064 23,741,992 23,006,325 14,385,710 15,907,850-20,781,015 20,671,269 19,664,258 18,896,122 167 1,003 26,785 27,156 - - - - - - 280,219,426 292,517,032 319,176,466 333,835,271 2,224,301 3,105,972 3,991,084 3,303,232-2,368,548 2,365,826 1,592,014 1,618,152 - - - - - 13,773,339 11,226,390 14,811,608 15,040,496-2 2,879,693 2,814,164 2,785,884 2,804,603 - - - - - - 1,868,048 1,830,904 1,801,534 1,795,163-928,575 579,514 826,343 800,440 226,072 206,250 165,375 206,541 465,583,276 492,191,720 521,939,980 536,399,810 11,674,958 13,782,129 11,496,870 14,328,786 - - - - 3,745,032 7,288,065 11,055,294 11,402,974 12,819 12,631 5,204 5,003-1,299,471 4,391,451 8,502,194 5,560,371 13,502,992 5,596,002 5,839,576 113,131 10,870 243,366 325,510 - - - - 391,933,266 398,305,940 423,242,417 429,298,138 23,072,123 27,103,885 25,479,749 25,445,647 - - - - 1,908,070 761,020 2,874,070 2,576,629 697,845 754,125 762,276 991,498 91
1 101 102 103 104 3 31 4 - - - - 432,374 417,508 530,549 498,704 439,149,989 463,238,636 485,677,248 499,214,659 ( 3) 439,665,709 463,920,415 - - 26,433,287 28,953,084 36,262,732 37,185,151 22,422,596 23,621,182 28,618,263 28,618,263 ( 3) 23,528,030 24,845,658 - - 22,348 34,923 462,400 462,400 4,153,012 5,595,176 7,384,364 8,276,912 ( 3) 2,531,858 3,688,921 - - (164,669) (298,197) (202,295) (172,424) - - - - - - - - 26,433,287 28,953,084 36,262,732 37,185,151 ( 3) 25,917,567 28,271,305 - - 1 2 3 4104 92
1 101 102 103 88,328,449 93,177,326 86,143,744 16,110,835 18,795,444 25,430,620 11,865,864 21,735,693 30,518,170 180,242 111,034 40,439 23,741,992 23,006,325 14,385,710-19,959,548 20,465,440 18,738,407 - - 25,651 - - - - - 280,219,426 292,517,032 319,176,466 2,223,302 3,105,972 3,991,084-2,796,761 2,661,857 2,609,533 - - - - 13,687,365 11,139,563 14,724,568-2 2,872,607 2,809,277 2,781,602 - - - - - 1,868,048 1,830,904 1,801,534-928,575 576,972 822,423 176,878 172,847 154,888 464,959,892 492,105,686 521,344,839 11,674,958 13,782,129 11,496,870 - - - 3,745,032 7,288,065 11,055,294 12,819 12,631 5,204-1,299,471 4,391,451 5,496,351 13,443,426 5,537,456 75,457 5,277 225,465 - - - 392,441,861 398,665,473 423,765,479 23,072,123 27,103,885 25,479,749 - - - 908,005 396,054 1,844,152 697,845 754,125 762,276 - - - 402,154 402,066 518,711 438,526,605 463,152,602 485,082,107 ( 3) 439,042,325 463,834,381-26,433,287 28,953,084 36,262,732 93
1 101 102 103 22,422,596 23,621,182 28,618,263 ( 3) 23,528,030 24,845,658-22,348 34,923 462,400 4,153,012 5,595,176 7,384,364 ( 3) 2,531,858 3,688,921 - (164,669) (298,197) (202,295) - - - - - - 26,433,287 28,953,084 36,262,732 ( 3) 25,917,567 28,271,305-1 2 3 94
- ( 1) 99 100 107,186,195 92,546,064 16,724,890 13,806,866-850,505 16,855,460 15,674,659-236,351,285 269,460,381-18,657,547 20,095,497 2,788,161 3,926,306 2,598,677 2,795,235 2-2,873,876 2,931,980 1,942,335 1,905,193 10,342,119 12,094,839 1,249,306 1,200,811 417,569,851 437,288,336 18,093,079 11,785,731 348,171,265 370,373,644 6,445,235 4,081,035-213,870 16,789,596 20,230,280 - - 407,511 408,397 146,259 610,106 4,709,795 4,930,895 394,762,740 412,633,958 ( 3) 395,264,527 413,163,598 20,071,489 21,185,604 ( 3) 21,105,171 22,316,915 9,302 29,008 2,567,030 3,409,346 ( 3) 1,031,561 1,748,395 148,026 17,658 11,264 12,762 - - 22,807,111 24,654,378 ( 3) 22,305,324 24,124,738 1 2 3 95
( ) 1 101 102 103 104 3 31 2 9,644,265 11,263,921 12,253,408 3,054,586 : 5,499,120 6,379,554 6,873,872 1,639,761 4,145,145 4,884,367 5,379,536 1,414,825 4,398,815 4,653,695 5,497,412 1,290,453 8,543,960 9,538,062 10,876,948 2,705,278 ( ) (221,693) (18,171) 70,318 (120,496) 5,850,696 5,993,126 6,510,496 1,579,930 2,914,957 3,563,107 4,296,134 1,245,844 ( ) (364,192) (501,837) (601,611) (168,446) 2,550,765 3,061,270 3,694,523 1,077,398 - - - - 2,550,765 3,061,270 3,694,523 1,077,398 ( ) (188,134) (132,848) 96,822 29,871 2,362,631 2,928,422 3,791,345 1,107,269 2,550,765 3,061,270 3,694,523 1,077,398 - - - - 2,362,631 2,928,422 3,791,345 1,107,269 - - - - 1.05 1.24 1.31 0.38 1 2104 96
( 1) 101 102 103 9,605,071 11,263,165 12,251,873 : 5,488,916 6,378,340 6,876,102 4,116,155 4,884,825 5,375,771 4,093,932 4,370,379 5,194,981 8,210,087 9,255,204 10,570,752 ( ) (221,603) (18,093) 70,361 5,578,698 5,746,736 6,240,793 2,852,992 3,526,561 4,259,598 ( ) (302,227) (465,291) (565,075) 2,550,765 3,061,270 3,694,523 - - - 2,550,765 3,061,270 3,694,523 ( ) (188,134) (132,848) 96,822 2,362,631 2,928,422 3,791,345 2,550,765 3,061,270 3,694,523 - - - 2,362,631 2,928,422 3,791,345 - - - 1.05 1.24 1.31 1 - ( 1) 99 100 3,992,928 3,889,547 4,575,217 4,628,180 675,225 834,461 4,888,793 5,218,971 3,004,127 2,464,295 2,196,378 2,373,231 - - - - - - 2,196,378 2,373,231 ( ) 1.10 1.12 ( ) 0.90 0.97 1 97
5 ( ) (KPI) 1 101 102 103 3 104 3 31 2 72.42 74.51 76.54 78.87 0.464 0.367 0.395 0.368 0.96 0.86 0.84 0.87 2.65 2.95 3.00 2.84 0.02 0.02 0.02 0.02 ( ) 3,361 3,761 4,204 1,029 ( ) 1,008 1,207 1,428 410 % 11.83 13.72 14.45 14.76 0.56 0.64 0.73 0.81 10.02 11.05 11.33 11.74 29.98 32.10 33.97 39.83 ( 5) 1.15 1.30 1.31 0.38 1.09 1.24 - - 94.30 94.09 93.02 93.03 10.89 9.72 7.68 7.54 6.09 5.72 6.04 8.89 15.51 22.24 20.57 7.80 79.13 6.28 - - 2,132.66 1,263.15 - - 5,877.97 4,504.59 - - 31.10 33.29 31.10 30.14 ( ) 7,405,998 5,924,468 7,144,352 7,065,032 2.50 1.91 2.11 1.99 1.13 1.09 1.06 1.08 1.01 1.02 1.15 1.15 1.29 1.25 1.23 1.23 1.20 1.20 1.22 1.26 ( 20% ) 1. 2. 98
3 1 101 102 103 72.32 74.45 76.45 0.464 0.367 0.395 0.96 0.86 0.84 2.65 2.95 3.00 0.02 0.02 0.02 ( ) 3,369 3,817 4,261 ( ) 1,051 1,262 1,489 % 11.88 13.88 14.58 0.57 0.64 0.73 10.02 11.05 11.33 31.21 33.08 34.95 ( 5) 1.15 1.30 1.31 1.09 1.24-94.30 94.09 93.01 10.87 9.70 7.67 6.23 5.84 5.94 15.77 23.61 20.79 84.83 2.77-2,189.54 1,225.96-1,984.48 213.71-31.10 33.29 31.10 ( ) 7,405,998 5,924,468 7,144,352 2.50 1.91 2.11 1.13 1.09 1.06 1.01 1.02 1.15 1.29 1.25 1.23 1.20 1.20 1.22 ( 20% ) 1. 2. (KPI) 1 2104 3 1. (1) (2) (3) (4) 99
100 (5) (6) ( 7 ) (7) 2. (1) = (2) (3) (4) (5) ( ) 5 3. (1) (2) 4. (1) =( ) (2) = 5. 8 (1) (2) (3) 6. 7. (1) 6 (2) (3) (4) 4 5 1. 2. 3. 4. 5. 6 7 8 1. 2. 3. 4. 9104/3/31
2-1 99 100 68.93 74.04 0.501 0.223 0.66 0.87 2.22 2.32 0.02 0.02 ( ) 3,886 3,608 ( ) 996 1,005 % 14.88 11.18 0.55 0.56 10.08 10.00 25.63 27.86 ( 4) 1.10 1.12 0.94 1.02 94.53 94.35 12.60 11.89 11.14 4.72 337.75 (17.97) 7.59 22.55 535.39 309.75 17.46 16.39 38.37 31.32 ( ) 6,802,272 8,345,038 2.72 2.94 1.11 1.10 1.00 1.03 1.19 1.24 1.10 1.18 (KPI) 1 2 1. (1) (2) (3) (4) (5) (6) ( 6) (7) 2. (1) = (2) (3) 101
102 (4) (5) ( ) 4 3. (1) (2) 4. (1) =( ) (2) = 5. 7 (1) (2) (3) 6. 7. (1) 5 (2) (3) (4) 3 4 1. 2. 3. 4. 5. 5 6 7 1. 2. 3. 4.
( ) 102 103 26,238,006 33,243,204 - - 13,676,786 14,018,501 39,914,792 47,261,705 291,547,743 324,818,191 317,180 12,714,700 14,223,250 / 10,309,788 19,804,188 314,572,231 359,162,809 12.69% 13.16% 8.34% 9.26% 8.34% 9.26% 4.68% 5.58% ( 20%) 1. 2. (1) (2) 12.5 (3) (4) ( + ) (5) (6) = / 103
102 103 104 3 31 ( 1) 25,690,005 32,736,013 33,835,639 - - - 13,123,625 13,504,626 12,445,845 38,813,630 46,240,639 46,281,484 288,008,208 323,785,850 330,980,318 317,180 314,010 13,241,600 14,442,463 16,573,250 / 10,309,788 19,759,250 21,329,425 311,559,596 358,304,743 369,197,003 12.46% 12.91% 12.54% 8.25% 9.14% 9.16% 8.25% 9.14% 9.16% 4.58% 5.50% 5.62% ( 20%) 1. 2. 3. (1) (2) 12.5 (3) (4) ( + ) (5) (6) = / 104
99 100 101 20,071,490 21,185,604 22,422,596 9,301 29,008 31,650 372,276 1,030,702 1,742,672 4,554 4,554 2,194,754 2,374,090 2,564,542-114,544-217,701-241,549 822,305 855,219 812,113 21,710,972 23,551,038 25,712,352 45% 123,225 111,655 34,596 1,697,066 2,290,984 1,267,784 9,337,480 10,940,000 11,260,000 822,304 855,219 812,114 10,335,467 12,487,420 11,750,266 32,046,439 36,038,458 37,462,618 219,361,512 251,995,348 272,198,189 12,061,975 11,458,613 11,876,975 / 8,526,963 16,750,238 10,578,788 239,950,450 280,204,199 294,653,952 13.36% 12.86% 12.71% 9.05% 8.40% 8.72% 4.31% 4.46% 3.99% - - - 1. (1) (2) 12.5 (3) (4) (5) (6) (7) 105
99 100 101 20,071,490 21,185,604 22,422,596 9,301 29,008 31,650 372,276 1,030,702 1,742,672 4,554 4,554 2,194,754 2,374,090 2,564,542-114,544-217,701-241,549 1,352,028 1,485,271 1,402,402 21,181,249 22,920,986 25,122,063 45% 123,225 111,655 34,596 1,691,414 2,285,658 1,262,547 9,337,480 10,940,000 11,260,000 1,352,028 1,485,270 1,402,401 9,800,091 11,852,043 11,154,742 30,981,340 34,773,029 36,276,805 214,289,186 246,909,957 268,086,022 12,306,063 11,744,788 12,326,475 / 8,526,963 16,750,238 10,578,788 235,122,212 275,404,983 290,991,285 13.18% 12.63% 12.47% 9.01% 8.32% 8.63% 4.17% 4.31% 3.84% - - - 4.81% 4.84% 4.82% 106
103 107
103 234 336 103 131 231 108
103 102 12 31 12 31 86,143,744 93,177,326 (7,033,582) ( 8 ) 25,430,620 18,795,444 6,635,176 35 30,518,170 21,735,693 8,782,477 40 319,176,466 292,517,032 26,659,434 9 18,738,407 20,465,440 (1,727,033) ( 8 ) 33,141,801 37,362,894 (4,221,093) ( 11 ) 8,195,631 8,051,857 143,774 2 521,344,839 492,105,686 29,239,153 6 423,765,479 398,665,473 25,100,006 6 61,316,628 64,487,129 (3,170,501) ( 5 ) 485,082,107 463,152,602 21,929,505 5 28,618,263 23,621,182 4,997,081 21 462,400 34,923 427,477 1224 7,384,364 5,595,176 1,789,188 32 (202,295) (298,197) 95,902 32 36,262,732 28,953,084 7,309,648 25 ( 20% 10,000 ) 1. 44 16 2. 58 31 3. 36.5 4. 4.3 5. 8.7 1.2 6.3 6. 109
103 102 $ 5,375,771 $ 4,884,825 $ 490,946 10 5,194,981 4,370,379 824,602 19 10,570,752 9,255,204 1,315,548 14 ( ) 70,361 (18,093) 88,454 489 6,240,793 5,746,736 494,057 9 4,259,598 3,526,561 733,037 21 565,075 465,291 99,784 21 $ 3,694,523 $ 3,061,270 $ 633,253 21 1. ( 20% 10,000 ) (1) (2) (3) 2. 75 ( ) 103 102 ( ) ( ) - 2.77 - ( ) - 1225.96 - ( ) - 213.71 - ( 20% 10,000 ) ( ) (A) (B) (C) (A) (B) (C) 3,613,301 6,113,698 (9,296,003) 430,996 - - 110
1 ( ) 1. 2. 1 ( ) 1. 103 97 NTD5,953 102 NTD6,355 NTD190,276 102 NTD8,949 103 2. 1 104 103 104 (1) (2) (3) (4) (5) ( ) 1. 2. 1 (1) NPL
(2) (3) ( ) 1. (1) ( ) ( ) (2) (3) 2. (1) (2) (3) ( ) A. B. / / (4) 112
( ) 1. 103 1. 2. ( ) ( ) 1. 2. 3. (1) (2) ( ) 1. 2. 3. / / 113
3. 4. 5. ( ) 1. 2. ( ) ( ) ( ) ( ) 104 03 31 88,415,110 4,013 16,853,143 269,650 56,992,775 1,004,278 179,490,536 12,957,923 65,930,517 3,979,458 139,638,361 7,344,644 943,585 230,701 9,379,948 425,678 557,643,975 26,216,345 114
2. 103 1. 2. 3. 4. 5. 6. (1) (2) ( ) (3) (4) (5) 7. 8. (ECAI) 9. ( ) 115
104 03 31 (1) (2) (3) (4) (5)= (1)+(3) (6)= (2)+(4) 628,020 25,121 628,020 25,121 628,020 25,121 628,020 25,121 628,020 25,121 628,020 25,121 1. ( ) ( ) 2. 3. 104 3 31 628,020 - - 628,020 ( ) 3 China Real Estate Asset 2014/ Mortgages 3/28 Ltd. ( ) 2016/ 12/17 Libor(3M) +2.5% Moody s: A3 (3 ) 628,020 - - 628,020 20% 2013/11 10.85 116
( ) ( ) 3. 103 1. 2. 3. 4. 5. KYC( KnowYourCustomer) (ISO27001) 104 03 31 101 7,359,726 102 8,981,301 103 10,176,166 26,517,193 1,325,860 117
4. 103 1. 2. 3. 4. 5. 80%~125% 104 03 31 1,188,468 64,450 450,848 2,588 1,706,354 5. 118
104 3 31 : 0 10 11 30 31 90 91 180 181 1 1 563,163,646 93,031,530 82,036,068 63,729,668 36,293,407 54,591,350 233,481,623 662,615,369 43,019,192 69,835,465 129,662,748 141,548,145 144,778,633 133,771,186 (99,451,723) 50,012,338 12,200,603 (65,933,080) (105,254,738) (90,187,283) 99,710,437 104 3 31 : 0 30 31 90 91 180 181 1 1 7,023,548 2,113,682 1,522,010 1,267,547 1,116,095 1,004,214 7,233,566 3,077,883 1,477,162 1,052,025 1,097,707 528,789 (210,018) (964,201) 44,848 215,522 18,388 475,425 ( ) 1. 103 103.12.31 2. 103.08.08 e 3. 103.11.12 104 8 12 119
4. 103.07.31 10300198830 30% 50% 5. 103.07.31 10300198830 / / 6. e ( ) (CB) ( ) ( ) 1. 2. 3. ( ) 1. (1) (2) one stop service 2. 120
(1) (2) 3. (1) (2) ( ) 1. 2. 103 ( ) ( ) 1% ( ) ( ) ( ) ( ) ( ) ( ) 121
( ) 100.00 100.00 100.00 100.00 ( ) 88.07.21 189 6 3 92.03.03 189 6 3 93.01.29 267 4 1 97.06.26 7 51 30,000 3,500 1,200,000 200,000 122
( ) 103 12 31 3,000,000 100.00 3,000,000 100.00 3,000,000 100.00 3,000,000 100.00 3,000,000 100.00 3,000,000 100.00 - - 350,000 100.00 350,000 100.00 350,000 100.00 350,000 100.00 350,000 100.00 350,000 100.00 - - 120,000,000 100.00 120,000,000 100.00 120,000,000 100.00 120,000,000 100.00 120,000,000 100.00 120,000,000 100.00 123
120,000,000 100.00 120,000,000 100.00 120,000,000 100.00 20,000,000 100.00 20,000,000 100.00 20,000,000 100.00 20,000,000 100.00 20,000,000 100.00 20,000,000 100.00 ( ) ( ) 103 12 31 ( ) ( ) 30,000 266,303 38,576 227,727 588,826 194,690 197,831 65.94 3,500 17,802 1,942 15,860 21,161 9,789 11,023 31.49 1,200,000 1,613,405 1,044,550 568,855 12,197 2,999 (74,424) (0.62) 200,000 282,507 37,686 244,821 190,276 5,360 5,953 0.30 124
36 3 2 125
103 1 3 HAPPY GO (GDR) ( ) 22 15,323 48 5 150 6 103 7 8 9 VIP 10 11 12 TTQS ( ) /OTP (China Pay) 300 2015 100 8 103 - TSM NFC 104 126
106 207 27 (02) 2378-6868 106 207 1 (02) 2378-6868 103 30 2 (02) 2550-8811 106 207 20 (02) 2312-3636 220 182 3 33 (02) 8073-1166 100 1 (02) 2381-4567 100 40 (02) 2392-6955 100 112 (02) 2327-8898 100 135 (02) 2356-7711 103 30 (02) 2550-6600 104 59 (02) 2505-5533 105 171 (02) 8787-6668 110 200 3 (02) 2722-9558 110 7 (02) 8785-5788 104 70 (02) 2523-8899 100 50 (02) 2369-5600 110 505 (02) 2720-7755 104 101 (02) 7702-9766 103 86 (02) 2558-6186 101 110 7 101 51-1 (02) 8101-0168 220 172 (02) 8966-3339 220 1 (02) 2255-6499 220 226228 (02) 2272-6088 220 18 (02) 7729-0616 247 38 1 (02) 7730-6978 231 98 (02) 2910-6060 234 222 (02) 2232-6500 235 1 2 3 3 1 (02) 2945-1800 234 535 12 (02) 7717-6668 241 46 (02) 8973-1133 242 209 (02) 8991-3366 127
242 6 (02) 2901-6868 333 227 (03) 397-3888 330 78 (03) 339-6339 330 6 (03) 301-8966 330 480482 (03) 346-9688 320 372 (03) 427-9696 300 243 (03) 533-8168 300 11 3 (03) 579-8833 300 100 (03) 533-3131 302 39-41 (03) 553-6699 400 131 (04) 2225-2008 403 367 (04) 2328-8666 406 698 (04) 2230-6689 404 180 (04) 2297-3266 412 121 (04) 2482-3899 500 233 (04) 728-9188 540 11 (049) 222-3311 600 272 (05) 278-5911 701 2 (06) 208-9898 710 37 (06) 253-0400 701 87 (06) 290-7290 800 49 (07) 251-8199 802 96 (07) 715-5678 803 106 (07) 533-3820 802 191 (07) 336-9066 830 201 (07) 777-8600 104 12 1 (02) 2592-2255 114 495 (02) 2630-5788 241 39 12 (02) 8983-8366 8 20 (852) 2167-8183 128
129
130
2845 103 102 2 207 27 (02)2378-6868 131
103 103 1 1 103 12 31 27 1043 20 132
103 102 12 31 103 102 1 1 12 31 103 102 12 31 103 102 1 1 12 31 103 102 0990031652 0980032818 104 3 20 133
103 102 12 31 103 12 31 102 12 31-11000 $ 8,084,621 2 $ 4,348,619 1 11500 78,125,478 15 88,876,281 18 12000 25,944,211 5 18,795,444 4 12300 40,439-111,034-12500 14,385,710 3 23,006,325 5 13000 19,664,258 4 20,671,269 4 13200 26,785-1,003-13500 319,176,466 61 292,517,032 59 14000 30,518,170 6 21,735,693 4 14500 3,991,084 1 3,105,972 1 15000 1,592,014-2,365,826-15513 6,971,873 1 8,477,868 2 15597 7,839,735 1 2,748,522 1 18500 2,785,884 1 2,814,164 1 19000 1,801,534-1,830,904-19300 826,343-579,514-19500 165,375-206,250-10000 $ 521,939,980 100 $ 492,191,720 100 134
103 12 31 102 12 31-21000 $ 11,496,870 2 $ 13,782,129 3 22000 11,055,294 2 7,288,065 1 22300 5,204-12,631-22500 4,391,451 1 1,299,471-23000 5,596,002 1 13,502,992 3 23200 243,366-10,870-23500 423,242,417 81 398,305,940 81 24000 25,479,749 5 27,103,885 6 25500 2,874,070 1 761,020-25600 762,276-754,125-29500 530,549-417,508-20000 485,677,248 93 463,238,636 94 31100 28,618,263 6 23,621,182 5 31501 462,400-34,923-32001 3,382,816-2,511,684-32003 304,122-179,722-32011 3,697,426 1 2,903,770 1 32000 7,384,364 1 5,595,176 1 32521 67,264-16,264-32523 (269,559) - (314,461) - 32500 (202,295) - (298,197) - 30000 36,262,732 7 28,953,084 6 $ 521,939,980 100 $ 492,191,720 100 135
103 102 1 1 12 31 103 102 41000 $ 12,253,408 112 $ 11,263,921 118 9 51000 6,873,872 63 6,379,554 67 8 49010 5,379,536 49 4,884,367 51 10 49100 2,914,137 27 2,971,308 31 ( 2) 49200 1,591,928 15 1,097,798 12 45 49300 99,085 1 47,402-109 49600 566,581 5 199,908 2 183 47000 64,618 1 61,148 1 6 57005 ( 78,587) ( 1) - - - 49821 195,326 2 217,824 2 ( 10) 49899 144,324 1 58,307 1 148 49020 5,497,412 51 4,653,695 49 18 4xxxx 10,876,948 100 9,538,062 100 14 58200 70,318 - ( 18,171) - 487 136
103 102 58500 $ 3,817,680 35 $ 3,544,628 37 8 59000 213,380 2 230,519 3 ( 7) 59500 2,479,436 23 2,217,979 23 12 58400 6,510,496 60 5,993,126 63 9 61001 4,296,134 40 3,563,107 37 21 61003 601,611 6 501,837 5 20 64000 3,694,523 34 3,061,270 32 21 65001 51,000 1 7,133-615 65011 34,939 - ( 125,353) ( 1) 128 65041 10,883 - ( 14,628) - 174 65000 96,822 1 ( 132,848) ( 1) 173 66000 $ 3,791,345 35 $ 2,928,422 31 29 67101 $ 3,694,523 34 $ 3,061,270 32 21 67111 $ - - $ - - - 67301 $ 3,791,345 35 $ 2,928,422 31 29 67311 $ - - $ - - - 67501 $ 1.31 $ 1.24 67701 $ 1.13 $ 1.14 137
103 102 1 1 12 31 A1 102 1 1 $ 22,422,596 $ 22,348 $ 1,742,672 101 B1 - - 769,012 B3 - - - B5 0.230 - - - B9 0.493 1,105,434 - - 1,105,434-769,012 C7 - - - D1 102 - - - D3 102 - - - D5 102 - - - N1 93,152 12,575 - Z1 102 12 31 23,621,182 34,923 2,511,684 E1 3,650,000 425,761-102 B1 - - 871,132 B3 - - - B5 0.250 - - - B9 0.449 1,224,476 - - 1,224,476-871,132 D1 103 - - - D3 103 - - - D5 103 - - - N1 122,605 1,716 - Z1 103 12 31 $ 28,618,263 $ 462,400 $ 3,382,816 138
$ 4,554 $ 2,405,786 $ 9,131 ($ 173,800) $ 26,433,287 - ( 769,012) - - - 173,800 ( 173,800) - - - - ( 515,720) - - ( 515,720) - ( 1,105,434) - - - 173,800 ( 2,563,966) - - ( 515,720) 1,368 - - - 1,368-3,061,270 - - 3,061,270-680 7,133 ( 140,661) ( 132,848) - 3,061,950 7,133 ( 140,661) 2,928,422 - - - - 105,727 179,722 2,903,770 16,264 ( 314,461) 28,953,084 - - - - 4,075,761 - ( 871,132) - - - 124,400 ( 124,400) - - - - ( 681,779) - - ( 681,779) - ( 1,224,476) - - - 124,400 ( 2,901,787) - - ( 681,779) - 3,694,523 - - 3,694,523-920 51,000 44,902 96,822-3,695,443 51,000 44,902 3,791,345 - - - - 124,321 $ 304,122 $ 3,697,426 $ 67,264 ($ 269,559) $ 36,262,732 139
103 102 1 1 12 31 103 102 A00010 $ 4,296,134 $ 3,563,107 A20000 A20100 180,813 189,220 A20200 32,567 41,299 A20300 70,318 ( 18,171) A20400 28,463 927,647 A20900 6,873,872 6,379,554 A21200 ( 12,253,408) ( 11,263,921) A21300 ( 69,177) ( 75,482) A22300 ( 64,618) ( 61,148) A23200 78,587 - A29900 917,883 1,330,422 A29900 ( 29,889) ( 29,325) A40000 A41110 ( 4,000,746) 1,635,931 A41120 ( 7,177,230) ( 3,612,256) A41150 1,112,414 107,630 A41160 ( 27,959,190) ( 13,392,924) A41170 ( 8,792,969) ( 10,047,589) A41180 ( 660,120) ( 894,829) A41190 1,506,018 2,236,740 A42110 ( 2,285,259) 2,107,171 A42120 3,741,584 3,108,608 A42150 ( 7,775,660) 8,367,347 A42160 24,936,477 6,372,674 A33000 ( 27,293,136) ( 3,028,295) A33100 12,177,178 11,265,053 A33200 69,177 75,482 A33300 ( 6,742,592) ( 6,482,692) A33500 ( 623,118) ( 233,167) AAAA ( 22,412,491) 1,596,381 140
103 102 B01200 ($ 74,850) $ - B01900 721,070 - B02600 23,465 18,140 B02700 ( 151,491) ( 123,497) B02800 105 80 B06500 ( 4,755,792) 92,578 B06700 14,213 ( 2,473) B07600 49,656 50,611 BBBB ( 4,173,624) 35,439 C01200-4,481,250 C01400 1,100,000 4,000,000 C01500 ( 3,000,000) ( 4,000,500) C02000 3,091,980 1,299,471 C04200 2,113,050 ( 1,147,050) C04300 113,180 ( 14,151) C04500 ( 681,779) ( 515,720) C04700 4,075,761 - CCCC 6,812,192 4,103,300 DDDD 137,761 ( 25,115) EEEE ( 19,636,162) 5,710,005 E00100 101,027,363 95,317,358 E00200 $ 81,391,201 $ 101,027,363 103 12 31 102 12 31 E00210 $ 8,084,621 $ 4,348,619 E00220 7 58,920,870 73,672,419 E00230 7 14,385,710 23,006,325 E00200 $ 81,391,201 $ 101,027,363 141
103 102 1 1 12 31 81 1 11 4 11 ( )( ) ( ) ( ) 103 12 31 55 1 103 1 104 3 20 ( ) IASB IFRS IASIFRICSIC 2010 IFRS IAS IFRIC SICIFRSs 1030010325 104 IASB 2013 IFRSs 142
2013 IFRSs IASB IFRSs IFRSs IAS 39 2009 2009 1 1 2010 1 1 IAS 39 2009 6 30 IFRSs 2010 2010 7 1 2011 1 1 2009-2011 2013 1 1 IFRS 1 IFRS 7 2010 7 1 IFRS 1 2011 7 1 IFRS 1 2013 1 1 IFRS 7 2013 1 1 IFRS 7 2011 7 1 IFRS 10 2013 1 1 IFRS 11 2013 1 1 IFRS 12 2013 1 1 IFRS 10IFRS 11 IFRS 12 2013 1 1 IFRS 10IFRS 12 IAS 27 2014 1 1 IFRS 13 2013 1 1 IAS 1 2012 7 1 IAS 12 2012 1 1 IAS 19 2013 1 1 IAS 28 2013 1 1 IAS 32 2014 1 1 IFRIC 20 2013 1 1 2013 IFRSs 1. IFRS 12 IFRS 12 2. IFRS 13 IFRS 13 143
IFRS 13 IFRS 13 104 3. IAS 1 (1)(2) 104 4. IAS 19 104 IAS19 2 0 1 0 IFRSs 2 0 1 3 IFRSs 103 12 31 $ 826,343 $ 37,937 $ 864,280 $ 596,927 $ 223,161 $ 820,088 $ 7,384,364 ( $ 185,224 ) $ 7,199,140 $ 36,262,732 ( $ 185,224 ) $ 36,077,508 144
2 0 1 0 IFRSs 2 0 1 3 IFRSs 103 1 1 $ 579,514 $ 18,982 $ 598,496 $ 609,401 $ 111,657 $ 721,058 $ 5,595,176 ( $ 92,675 ) $ 5,502,501 $ 28,953,084 ( $ 92,675 ) $ 28,860,409 103 $ 3,694,523 $ 3,557 $ 3,698,080 $ 3,791,345 ( $ 92,549 ) $ 3,698,796 ( ) IASB IFRSs IASB IFRSs 2013 IFRSs IASB 1 2010-2012 2014 7 1 2 2011-2013 2014 7 1 2012-2014 2016 1 1 4 IFRS 9 2018 1 1 IFRS 9 IFRS 7 2018 1 1 IFRS 10 IAS 28 2016 1 1 3 IFRS 10IFRS 12 IAS 28 2016 1 1 IFRS 11 2016 1 1 IFRS 14 2016 1 1 IFRS 15 2017 1 1 IAS 1 2016 1 1 IAS 16 IAS 38 2016 1 1 IAS 16 IAS 41 2016 1 1 IAS 19 2014 7 1 IAS 36 2014 1 1 IAS 39 2014 1 1 IFRIC 21 2014 1 1 1 2 2014 7 1 IFRS 2 2014 7 1 IFRS 3 IFRS 13 2014 7 1 145
3 2016 1 1 4 IFRS 5 2016 1 1 1. IFRS 9 IAS 39 IFRS 9 (1) (2) 146
IFRS 9 IFRS 15 12 IFRS 9 IAS 39 (1) (2) (3) 2. IAS 36 IASB IFRS 13 IAS 36 IAS 36 147
3. IFRS 15 IFRS 15 IAS 18 IAS 11 IFRS 15 (1) (2) (3) (4) (5) IFRS 15 4. IAS 1 ( ) IFRSs ( ) ( ) 148
( ) 1. 2. 103 1231 102 1231 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00-100.00 102 3 11 102 5 9 10202038150 103 4 30 ( ) ( ) 149
( ) ( ) 150
( ) ( ) () () 151
() 1. (1) A. B. C. 152
(2) (3) (4) 2. 153
A. B. C. D. (1) (2) 154
(3) 3. 1. 155
(1) (2) 2. 156
() () () 157
() 10% () 1. 10% 2. 158
3. ( ) ( ) ( ) 159
( ) ( ) ( ) ( ) 1031231 1021231 $ 3,008,201 $ 2,645,252 4,404,964 1,342,899 605,121 312,914 66,335 47,554 $ 8,084,621 $ 4,348,619 160
1031231 1021231 $ 59,175,000 $ 60,630,000 2,528,160 10,254,670 6,161,365 8,217,629 9,829,608 9,673,862 53,323 51,094 378,022 49,026 $ 78,125,478 $ 88,876,281 103 102 12 31 7 58,920,870 73,672,419 1031231 1021231 $ 5,290,216 $ 882,925 2,217,126 2,746,609 1,871,225 268,332 1,867,476 1,617,257 306,413 309,544 287,779 332,666 266,689 72,196 209,311 84,486 159,217 198,031 158,729 149,162 158,689-84,603 94,932 12,877,473 6,756,140 161
1031231 1021231 $ 13,066,738 $ 12,039,304 $ 25,944,211 $ 18,795,444 $ 5,259,651 $ 5,104,453 2,496,196 732,643 1,871,173 267,657 373,468 261,269 341,192 244,551 293,178 121,926 266,431 443,859 129,514 80,818 24,491 30,889 $ 11,055,294 $ 7,288,065 1031231 1021231 $ 288,640,504 $ 94,772,462 250,272,724 153,416,684 146,306,832 136,533,414 32,011,721 25,498,215 22,366,930 10,438,487 21,960,764 20,136,950 18,254,846 20,062,578 11,893,669 31,862,475 2,889,347 2,247,545 173,483 554,681 162
103 102 ( $ 1,458,845 ) ( $ 485,820 ) 3,050,773 1,583,618 $ 1,591,928 $ 1,097,798 103 12 31 158,305 102 12 31 1031231 1021231 $ 40,439 $ 111,034 $ 5,204 $ 12,631 103 102 12 31 3,900,000 4,600,000 103 102 $ 63,168 $ 69,020 $ 63,168 $ 69,020 163
1031231 1021231 $ 13,274,146 $ 19,375,114 1,111,564 1,507,075-2,124,136 $ 14,385,710 $ 23,006,325 104.01.05-103.01.02-104.02.10 103.03.26 $ 14,390,592 $ 23,012,026 1031231 1021231 $ 15,391,769 $ 15,687,152 1,746,456 2,161,061 772,956 696,221 599,111-405,367 457,605 368,208 1,434,927 355,724 384,110 299,637 190,984 351,692 344,283 20,290,920 21,356,343 626,662 685,074 $ 19,664,258 $ 20,671,269 1031231 1021231 $ 167,992 $ 159,359 56,046,303 48,538,897 129,396,798 114,720,520 137,346,050 132,602,309 977,460 759,427 323,934,603 296,780,512 4,758,137 4,263,480 $ 319,176,466 $ 292,517,032 164
103 $ 4,263,480 $ 1,114,730 $ 5,378,210 420,060 ( 369,904 ) 50,156 ( 570,261 ) ( 413,822 ) ( 984,083 ) 623,534 294,349 917,883 21,324 1,474 22,798 $ 4,758,137 $ 626,827 $ 5,384,964 102 $ 3,582,006 $ 1,180,101 $ 4,762,107 99,273 ( 181,406 ) ( 82,133 ) ( 413,844 ) ( 219,480 ) ( 633,324 ) 991,829 338,593 1,330,422 4,216 ( 3,078 ) 1,138 $ 4,263,480 $ 1,114,730 $ 5,378,210 103 102 $ 420,060 $ 99,273 ( 369,904 ) ( 181,406 ) 20,162 63,962 $ 70,318 ( $ 18,171 ) 103 102 1031231 1021231 $ 2,912,152 $ 674,639 $ 3,431,546 $ 638,734 1,671,366 348,699 1,678,136 522,824 5,074,384 50,744 2,841,768 14,209 314,276,701 3,684,055 288,829,062 3,087,713 $ 323,934,603 $ 4,758,137 $ 296,780,512 $ 4,263,480 165
1031231 1021231 $ 6,053 $ 2,602 $ 651,446 $ 591,524 2,014,332 553,088 2,357,854 577,306 9,578,134-10,058,136-15,796,461 66,021 16,217,289 90,491 $ 27,394,980 $ 621,711 $ 29,284,725 $ 1,259,321 1031231 1021231 $ 13,963,872 $ 13,619,393 10,891,647 5,045,261 4,327,881 1,243,923 827,187 1,109,537 507,583 717,579 $ 30,518,170 $ 21,735,693 103 102 12 31 99,913 183,200 103 102 12 31 4,103,414 1,119,919 1031231 1021231 $ 2,642,131 $ 1,057,373 621,092 1,150,099 475,770 898,500 252,091 - $ 3,991,084 $ 3,105,972 166
( ) 1031231 1021231 $ 1,463,169 22.06 $ 1,421,984 22.06 128,845 40.00 143,871 40.00 - - 799,971 49.00 $ 1,592,014 $ 2,365,826 103 3 723,240 2,170 78,587 1031231 1021231 $ 45,023,519 $ 55,931,939 $ 38,068,120 $ 47,493,097 103 102 $ 901,857 $ 1,228,989 $ 315,695 $ 303,060 $ 58,570 ( $ 65,806 ) ( ) 103 102 $ 77,898 $ 74,756 1,703 3,975 ( 14,983 ) ( 17,583 ) $ 64,618 $ 61,148 167
1031231 1021231 $ 4,244,125 $ 4,794,018 1,268,720-824,668 2,935,100 634,360 - - 748,750 $ 6,971,873 $ 8,477,868 102 12 31 149,750 103 12 31 1031231 1021231 $ 286 $ 490,393 165 429,656 121 60,737 3 3,896,489 250,300 2,607,429 1,585,442 600,554 200,233 558,913 550,431 176,229 101,379 $ 7,839,735 $ 2,748,522 1031231 1021231 $ 74,850 $ - 50,006 50,006 45,500 45,500 3,000 3,000 2,073 2,073 800 800 $ 176,229 $ 101,379 103 6 74,850 4.99% 168
103 $ 1,581,625 $ 1,239,899 $ 1,301,226 $ 5,995 $ 1,427,532 $ 14,845 $ 5,571,122-5,849 70,692 213 41,406 33,331 151,491 - ( 331 ) ( 29,591 ) ( 76 ) ( 38,627 ) - ( 68,625 ) - - 21,135-6,738 ( 25,097 ) 2,776 1,581,625 1,245,417 1,363,462 6,132 1,437,049 23,079 5,656,764-529,302 958,844 5,736 1,263,076-2,756,958-25,367 98,208 184 57,054-180,813 - ( 274 ) ( 29,553 ) ( 76 ) ( 38,619 ) - ( 68,522 ) - - 1,026-605 - 1,631-554,395 1,028,525 5,844 1,282,116-2,870,880 $ 1,581,625 $ 691,022 $ 334,937 $ 288 $ 154,933 $ 23,079 $ 2,785,884 102 $ 1,581,625 $ 1,236,633 $ 1,354,797 $ 6,234 $ 1,406,170 $ 22,076 $ 5,607,535-3,517 52,166 57 31,075 36,682 123,497 - ( 550 ) ( 142,190 ) ( 296 ) ( 17,554 ) - ( 160,590 ) - 299 36,453-7,841 ( 43,913 ) 680 1,581,625 1,239,899 1,301,226 5,995 1,427,532 14,845 5,571,122-504,648 998,036 5,841 1,219,317-2,727,842-25,181 102,482 191 61,366-189,220 - ( 550 ) ( 142,140 ) ( 296 ) ( 17,751 ) - ( 160,737 ) - 23 466-144 - 633-529,302 958,844 5,736 1,263,076-2,756,958 $ 1,581,625 $ 710,597 $ 342,382 $ 259 $ 164,456 $ 14,845 $ 2,814,164 555 37 37 220 1031231 1021231 $ 1,538,210 $ 1,538,210 428,887 428,887 1,967,097 1,967,097 165,563 136,193 $ 1,801,534 $ 1,830,904 169
99 4 B 4 15 1031231 1021231 $ - $ 27,567-4,246-23,321 153,935 174,935 11,440 7,994 $ 165,375 $ 206,250 1031231 1021231 $ 11,048,017 $ 13,441,942 333,802 309,011 115,051 31,176 $ 11,496,870 $ 13,782,129 1031231 1021231 $ 4,082,741 $ 1,118,018 158,206-150,504 181,453 $ 4,391,451 $ 1,299,471 104.01.06-103.01.07-104.03.30 103.01.24 $ 4,421,095 $ 1,302,319 1031231 1021231 $ 1,485,772 $ 1,408,468 1,201,038 8,836,221 853,804 813,674 605,120 312,914 355,724 384,110 170