澳 盛 ( 台 灣 ) 商 業 銀 行 股 份 有 限 公 司 民 國 103 年 年 報
( ) (02) 8722-5025 Betty.Chang@anz.com (02) 8722-5025 Betty.Chang@anz.com 7 1216 1718 (02)8722-5000 1 69 1 852-2533-3500 www.standardandpoors.com 7 49 (02)8722-5800 http://www.taiwanratings.com/tw/ 7 68 (02)8101-6666 http://www.kpmg.com.tw anz.tw
4 6 8 9 13 34 55 56 56 56 56 57 86 87 90 O 95 O 96 O 96 96 98 99 100 100 101 102 102 114 114 58 59 64 64 64 66 67 78 79 80 82 83 84 116 117 117 117 117 118 O 119 O 202 265
103 QE 103 ( ) ( ) (Super Regional Bank) 103 22 7 93 18 3 1 8 0.86 8.04% 25.32% We Live in Your World 101 103 104 4 S&PA+A-1 twaaatwa-1+ 5
( ) 101 10 16 ( ) 1835 179 33 48,000 1,400 1,000 25 AA- 102 (Global Finance) 19 103 2007 12 (Super Regional Bank) ( ) ( ) 99 101 10 16 ( ) 102 2 4 102 4 7 14 1,500 ( ) 2012-2014 (Global Finance) 7
( ) : 103.12.31 ( ) 1. 9
2. 7. 3. / 4. 5. 8. 9. ( ) 10. 11. 6. 12. 10 11
13. 14. 15. 16. 17. ( ) 1. ( ) 103.12.31 ( ) ( ) Dundee College of Technology ANZ Royal Bank (Cambodia) Ltd. Standard Chartered First Bank, Korea 3 ( 104.9.17) 101.9.18 ( 1) ( 1) ( 1) ( 1) 101.9.18 (Alistair Marshall Bulloch) United (Cambodia) Land Company Ltd. ANZ Bank (Lao) Limited ANZ V-Trac International Leasing Company 12 13
Mark Peter Hand ( 2) ( ) ( ) Votraint No.1103 Pty Ltd. Jikk Pty Ltd. ( ) AMMB Holdings Berhard ANZ Pensions (UK) Limited ANZ Bank (Vietnam) Limited ANZ Bank (Europe) Limited ( ) ( ) ANZ Capital(PVT) Limited Deakin University 102.8.17 104.9.17 102.8.17 ( 1) ( 1) ( 1) ( 1) 3 101.9.18 101.9.18 ( 1) ( 1) ( 1) ( 1) ( 104.9.17) ( ) 14 15
( 3) ( 4) ( 5) ( ) ( ) City University of Hong Kong 102.5.20 104.9.17 102.5.20 ( 1) ( 1) ( 1) ( 1) / 103.3.1 104.9.17 103.3.1 ( 1) ( 1) ( 1) ( 1) ( ) ( ) ( ) 103.8.13 104.9.17 103.8.13 ( 1) ( 1) ( 1) ( 1) 102.9.27 104.9.17 102.9.27 ( 1) ( 1) ( 1) ( 1) 16 17
( ) ( ) 102.9.27 104.9.17 102.9.27 ( 1) ( 1) ( 1) ( 1) Super Micro Computer Inc. SinoPac Bancorp / University of Exeter Douglas Farell Stolberg ( 6) 102.2.18 104.9.17 102.2.18 ( 1) ( 1) ( 1) ( 1) ( ) Global Sector ( ) International and Institutional Banking ( ) ( ) ( 7) 103.8.13 104.9.17 103.8.13 ( 1) ( 1) ( 1) ( 1) ANZ Bank (Lao) Limited 1 (Australia and New Zealand Banking Group Limited) 2,123,543,739 2 102 8 17 Mark Peter Hand Christopher Robin Page 3 102 5 20 4 103 3 01 Tony Colin Tapsall 5 103 8 13 6 102 2 18 Douglas Farell Stolberg Nigel Denby 7 103 8 13 Yuk Sheung Megan Wong 18 19
2. 103.12.31 HSBC Custody Nominees (Australia) Limited 19.21% J P Morgan Nominees Australia Limited 13.41% National Nominees Limited 10.37% Citicorp Nominees Pty Limited 5.88% BNP Paribas Noms Pty Ltd <DRP> 2.24% Citicorp Nominees Pty Limited <Colonial First State Inv A/C> Citicorp Nominees Pty Limited <BHP Billiton ADR Holders A/C> Citigroup Pty Limited 100% Citigroup Pty Limited 100% AMP Life Limited AMP LIMITED 100% HSBC Custody Nominees (Australia) Limited <Nt-Commonwealth Super Corp A/C> UBS Wealth Management Australia Nominees Pty Ltd 4. HSBC Bank Australia Limited 100% UBS Wealth Management Australia Ltd 100% Citicorp Nominees Pty Limited <Colonial First State Inv A/C> 1.05% 103.12.31 Citicorp Nominees Pty Limited <BHP Billiton ADR Holders A/C> 0.79% AMP Life Limited 0.71% HSBC Custody Nominees (Australia) Limited <Nt-Commonwealth Super Corp A/C> 0.47% UBS Wealth Management Australia Nominees Pty Ltd 0.42% ( ) 1 2 3 4 5 6 7 8 9 10 3. (Alistair Marshall Bulloch) V V V V V V V 0 103.12.31 HSBC Custody Nominees (Australia) Limited HSBC Bank Australia Limited 100% J P Morgan Nominees Australia Limited J.P. Morgan Administrative Services Australia Limited 100% National Nominees Limited National Australia Bank Limited 100% Citicorp Nominees Pty Limited Citigroup Pty Limited 100% Mark Peter Hand V V V V V V V 0 V V V V V V V V 0 V V V V V V V V V 0 V V V V V V V V V 0 V V V V V V V V V 0 V V V V V V V V V V 3 V V V V V V V V V V V 0 BNP Paribas Noms Pty Ltd<DRP> BNP Paribas Securities Services 100% Douglas Farell Stolberg V V V V V V V 0 V V V V V V V 0 20 21
V 1 2 ( ) 3 4 5 6 ( ) ( ) 7 ( ) ( ) 8 9 30 10 27 ( ) 103.12.31 ( ) 101.9.18 0 0 0 0 0 0 1 102.8.16 0 0 0 0 0 0 Boston University 103.8.25 0 0 0 0 0 0 St. John's University 101.9.18 0 0 0 0 0 0 Northwestern University The Hong Kong University of Science and Technology 103.8.25 0 0 0 0 0 0 102.8.16 0 0 0 0 0 0 Oklahoma City University 22 23
101.9.18 0 0 0 0 0 0 Indian Institute of Management Bangalore Chartered Certified Accountant, FCCA Chartered Financial Analyst, CFA 103.10.1 0 0 0 0 0 0 New Jersey Institute of Technology 103.2.10 0 0 0 0 0 0 City University of Hong Kong 102.5.20 0 0 0 0 0 0 101.12.11 0 0 0 0 0 0 Southern Methodist University 103.5.5 0 0 0 0 0 0 Michigan State University ( ) 101.9.18 0 0 0 0 0 0 Boston University, LL.M in American Law, LL.M. in Banking and Financial Law 103.8.25 0 0 0 0 0 0 University of Maryland 103.8.25 0 0 0 0 0 0 Lancaster University 101.12.11 0 0 0 0 0 0 ( ) 101.12.11 0 0 0 0 0 0 101.12.11 0 0 0 0 0 0 101.10.29 0 0 0 0 0 0 102.8.23 0 0 0 0 0 0 102.4.8 0 0 0 0 0 0 103.11.3 0 0 0 0 0 0 University of Wisconsin-Madison 102.9.1 0 0 0 0 0 0 102.11.1 0 0 0 0 0 0 102.8.23 0 0 0 0 0 0 University of Oklahoma 24 25
102.11.1 0 0 0 0 0 0 102.11.1 0 0 0 0 0 0 103.5.1 0 0 0 0 0 0 University of Oklahoma 102.4.8 0 0 0 0 0 0 City University of Seattle 103.4.1 0 0 0 0 0 0 102.4.8 0 0 0 0 0 0 103.2.17 0 0 0 0 0 0 1 ( ) 1. ( ) (1) ( ) 103.12.31 (A) (B) (C) ( ) (D) ABC D (%) (E) (F) (G) (H) ABCD EF G ( ) (Alistair Bulloch) Mark Peter Hand 102/8/17 Tony Colin Tapsall 103/2/28 103/3/1 103/8/13 0 0 0 0.16% 83,791 2,922 0 0 0 0 4.90% 3,000 26 27
(2) (A+B+C+D) (I) (A+B+C+D+E+F+G) (J) 2,000,000 / / 10 ( ) 11 12a. b. J c. 13 ( ) 2,000,000 ( ) 5,000,000 5,000,000 ( ) 10,000,000 Tony Colin Tapsall 2. 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 2 7 1 ( ) (3-1) (3-2) 2 ( ) 3 4 ( ) 5 6 7 ( ) 8 ( ) 9 28 29
3. (1) 103.12.31 (A) ( 2) (B) (C)( 3) (D)( 4) ABC D (%) ( 5) ( 1) (103/1/26 ) (103/8/25 ) (103/8/25 ) 74,143 4,961 116,317 0 0 10.67% 0 0 (103/4/30 ) (103/10/1 ) Tony Colin Tapsall (103/2/28 ) (103/2/10 ) (103/5/4 ) (103/5/5 ) (103/8/25 ) (103/8/25 ) 1 2 3 4,238 4 5 ( ) 6 ( ) 7 8 ( ) 9 10a. b. E c. 11 30 31
(2) ( 1) 2,000,000 2,000,000 ( ) 5,000,000 5,000,000 ( ) 10,000,000 Tony Colin Tapsall 10,000,000 ( ) 15,000,000 15,000,000 ( ) 30,000,000 30,000,000 ( ) 50,000,000 50,000,000 ( ) 100,000,000 - - ( ) 102 103 $156,000 $198,422, 102 103 8.87% 10.84% 100,000,000 - - 19-1 4. 32 33
( ) 103 10 (A) 14 3 (%) / (Alistair Marshall Bulloch) Mark Peter Hand 8 2 80% 4 2 40% 10 0 100% 103.1.14 1 103.10.29 1 Tony Colin Tapsall 9 0 90% 7 2 77.78% 103.3.1 Tony Colin Tapsall 1 0 100% 4 0 100% 103.2.28 103.8.13 7 1 70% 9 0 90% 1 2(1) ( ) (%) ( ) (2) ( ) (%) ( ) 34 35
( ) 1. 2. 103 10 A 103.3.5 1. Loan Pricing Policy Doug Stolberg Douglas Farrell Stolberg Yuk Sheung Megan Wong (%) / ( ) 7 70% 3 50% 103.08.12 3 75% 103.08.13 103.5.23 103.6.26 1. 1. Doug Stolberg Doug Stolberg 103.8.25 1. 103 103.12.5 1. 104 Doug Stolberg (%) (%) ( ) 102 9 27 36 37
( ) 1. ( ) 2. 3. 1. 102 9 27 2. 1. anz.tw 2. ( ) 1. 2. 3. (02)2778-9999 4. ( ) 38 39
( ) ( ) ( ) ( ) - 1000 40 41
43 42 (
( ) (Supplier code of practice) : -- -- -- -- -- 44 45
( ) http://newmops.twse.com.tw ( ) anz.tw 46 47
( ) 1. 2. 1. 61 1 1 2. 1. 2. 3. ( ) 103 1. 103 9 2. 104 8 3. 16% 16%~20% 20% 4. 104 3 5. 103 3 11.8% 10% 1. 2. 104 8 3. 4. 104 3 5. 103 1. OBU DBU 2. 103 9 1 S&P/ Moody P1 P5 104 9 15 48 49
3., X X X X X X Golden Sky Trade & Industry Co Ltd ( 103 6 12 ) 103 10 ( ) 1 102.5.14 10200053430 61 1 1 5.12 14 103 2 103.6.17 10300133490 61 1 1 1. 2. 103 5 5 50 51
( ) 103.1.14 1. 2. 104 5 25 103.6.26 1. 2. 3. 4. 5. 6. QR code 7. 103.3.5 1. Loan Pricing Policy 1. 102 2. 103 3. 102 103.6.26 1. 102 2. 102 3. 102 4. 5. 102 6. 103.3.25 4. 5. 6. 7. 8. 9. 10. 11. ETF 103.8.25 1. 103 2. 3. 4. (Country Lending Guideline) 5. 103 6. 7. 8. 9. 10. 103.4.25 103.5.23 12. 13. 1. 2. 1. 102 2. TSM 3. 4. 103.10.29 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 103.5.23 1. 52 53
103.12.5 1. 2. 3. 4. 104 5. 104 6. 7. 8. 9. 10. 11. ( 104 5 25 ) ( 104 5 25 ) 101.09.18 103.04.30 102.02.04 104.01.31 103.12.23 1. 104.2.13 1. 104 2. 3. 4. 5. 6. 7. 8. 103 1 1 12 31 104.3.11 104.3.31 1. 1. 103 2. 103 3. 4. 5. 103 6. 7. 8. 9. 10. 11. 12. 1 2,000 2 2,000 4,000 V V 3 4,000 6,000 4 6,000 8,000 5 8,000 10,000 6 10,000 V V 54 55
2 15,039 0 230 0 2,850 3,080 103 1 1 12 31 2: 5,118,750 1.14 % 0 0% 5,118,750 1.14 % : 1,304,285 0.45 % 0 0% 1,304,285 0.45 % 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 0.55% 0 0% 300,000 0.55% 56 57
( ) 104 5 25 101.10 10 1,000,000,000 10,000,000,000 1,000,000,000 10,000,000,000 101 4 26 10100124720 102.04 10 2,000,000,000 20,000,000,000 1,400,000,000 14,000,000,000 400,000,000 102 2 25 10100549140 102.04 10 2,000,000,000 20,000,000,000 2,000,000,000 20,000,000,000 600,000,000 ( ) 102 2 25 10100549140 103.09 10 2,500,000,000 25,000,000,000 2,123,543,739 21,235,437,390 123,543,739 103 8 05 10300180780 600,000,000 2,123,543,739 376,456,261 2,500,000,000 59
( ) ( ) 104 5 25 - - - - 1 1 - - - - 2,123,543,739 2,123,543,739 - - - - 100% 100% ( ) 104 5 25 % 2,000,001 1 2,123,543,739 100 1 2,123,543,739 100 1 1 102 103 104 3 31 ( 3) - - - - - - - - - 10.90 11.18 11.70 10.27 ( 2) 1,841,374 2,123,544 2,123,544 1.01 0.86 2.05 0.96 ( 2) - ( 2) - 0.62 - - - - - - - - - - - - - - - - - 1. 2. 103 ( ) 3. ( ) 104 5 25 % 2,123,543,739 100 ( ) 1. 0.001% 60 61
2. ( ) ( ) 103 103 1 1 103 12 31 1. 7 ( ) 49,755,001 2. 103,, 103 (103/1/1 ~ 103/12/31) 1,831,077,932 1,880,832,940 : (549,323,380) - (1,331,509,560) 0 12,818 3. (1), : (2) : (3) : ( ) 4. ( ) 62 63
103 104 3 31 64 65
1. 2. 3. 4. 67
3. 1. 102 103 262,712 0.18% 541,050 0.31% 65,967,476 45.87% 88,924,345 50.64% 65,096,315 45.26% 83,115,645 47.34% 12,500,200 8.69% 3,000,000 1.71% 143,826,703 100% 175,581,040 100% 102 103 2,268,182 49% 3,163,956 50% 2,143,161 47% 2,899,408 46% 190,888 4% 277,084 4% 4,602,231 100% 6,340,448 100% 1 2 101 10 16 102 4 7 102 4 8 2. 102 103 8,118,518 5.29% 1,012,034 0.63% 68,317,200 44.52% 74,740,353 46.84% 3,698,127 2.41% 4,682,850 2.93% 26,697,941 17.40% 32,118,832 20.12% 2,183,198 1.42% 1,344,222 0.84% 507,973 0.33% 609,186 0.38% 43,790,934 28.53% 45,062,869 28.24% 150,154 0.10% 35,638 0.02% 153,464,045 100.00% 159,605,984 100.00% : (2,462,477) (1.60%) (2,221,081) (1.39%) (63,035) (0.04%) 28,201 0.02% 150,938,533 98.35% 157,413,104 98.63% 4. 102 103 273,497,824 83% 275,475,904 80% 51,960,407 16% 45,740,124 13% 2,275,959 1% 21,884,992 7% 327,734,190 100% 343,101,021 100% 68 69
( ) 1. 3. 4. 2. ( ) ( ) ( ) 1. IMF4 14 2015 3.5% IMF 3.8% 4.1% GDP 3.46% 3.5% 3.78% 70 71
2. ( ) (Super Regional Bank) 28 Greenwich Associates 7.5 Super Regional Bank ( ) Bank 3.0 : 3 App PC( )Smart Phone( ) Pad device( ) 3. (1) 99 4 17 ( ) (2) (3) 14 72 73
(Global Finance Magazine) 2014 101102 103 2013 2013 ( ) 14 ( ) 1. 102 4 8 2. 1. ( ) 102 4 8 (1) ( ) ( ) 104 74 75
(2) (3) (2) (3) 2. (1) ( ) ( ) 76 77
102 103 104 4 30 620 685 661 902 806 803 1,522 1,491 1,464 36.50 36.56 36.83 5.10 5.01 5.11 92 MoneyMinded 16 102 10 MoneyMinded( ) 250 ( ) - - - 18.33% 17.91% 18.71% 74.31% 75.12% 73.63% 6.77% 6.30% 7.04% 0.59% 0.67% 0.62% 378 375 393 269 249 246 9 17 15 453 393 376 450 446 430 379 365 230 102 12-100 103 8 300 81 102 11 3 100-1000 78 79
IBM RS6000/AIX, IBM 102 103 4 104 7, 150 Android ios Omni360/FEP ( ) 104 3 - ( ) edc 80 81
94 7 1 104 5 25 104.03.01-107.12.31 104.04.17-105.04.16 103.06.01-105.05.31 DM 103.10.24-106.10.23 180 104/04/24 102.07.01-105.06.30 102.07.01-105.06.30 100.12.14-106.06.30 103.09.01-104.03.31 104.01.01-105.3.31 102.12.01-105.11.30 104.02.01-105.01.31 104.01.01-104.12.31 101.08.16-104.08.15 1. 2. 104.2.01-104.12.31, 103.07.01-106.06.30 103.11.01-105.10.31 102.12.01-104.11.30 82 83
103.04.01-105.03.31 103.02.06-106.02.05 103.02.01-106.01.31 101 102.06.01-107.05.31 102.4.7 104.4.7 105.4.6 10 600,000,000 60 1. 104.4.7 105.4.6 2. 3. 4. ANZSSI 104.4.7 105.4.6 ANZGSOM 104.4.7 105.4.6 1. 2. 84 85
( 1) 101 102 103 104 3 31 ( 3) 10,021,690 86,994,459 92,124,600 77,547,995 0 15,801,834 23,326,959 17,503,411 0 491,043 536,174 562,063-4,201 25,871,245 25,505,054 13,426,491 5 0 0 50,160-0 150,938,533 157,413,104 145,182,507 0 46,040,935 42,240,994 42,207,617 0 63,098 66,098 66,098-0 424,525 619,222 600,884-0 813,124 775,833 760,322-5,248 13,562 29,155 32,976 0 281,832 463,828 400,140 資 產 總 額 10,031,144 327,734,190 343,101,021 298,340,664 0 132,265,089 113,816,744 72,464,272 0 5,283,000 9,452,134 8,326,650 56,769 15,210,021 12,564,088 2,767,639 0 189,196 215,704 439,898 0 143,826,703 175,581,040 180,751,719 0 8,348,643 6,656,380 7,691,867 0 234,088 415,539 435,050 0 567,695 662,327 610,589 負 債 總 額 56,769 305,924,435 319,363,956 273,487,684 56,769 305,924,435 ( 2) 9,974,375 21,809,755 23,737,065 24,852,980 10,000,000 20,000,000 21,235,437 21,235,437 10,000,000 21,235,437 ( 2) 87
權 益 總 額 (25,625) 1,755,387 2,400,783 3,490,359 (25,625) 519,950 ( 2) 其 他 權 益 0 54,368 100,845 127,184 非 控 制 權 益 0 0 0 0 9,974,375 21,809,755 23,737,065 24,852,980 9,974,375 21,809,755 ( 2) 1 101 10 16 102 4 7 102 4 8 2103 ( ) 3 104 3 31 0 0 0 0 (25,625) 1,792,021 1,927,310 1,115,915 0 0 0 0 (0.02) 0.96 0.86 0.51 1 101 10 16 102 4 7 102 4 8 2 104 3 31 ( 1) 101 102 103 104 3 31 ( 2) 25,896 3,194,936 4,421,673 1,100,691 : 0 1,296,728 1,743,757 472,151 25,896 1,898,208 2,677,916 628,540 0 3,498,484 4,552,868 1,063,955 25,896 5,396,692 7,230,784 1,692,495 0 (423,380) (32,317) (867,223) 56,769 3,813,044 5,055,174 1,291,932 (30,873) 2,007,028 2,207,927 1,267,786 ( ) 5,248 (248,237) (376,849) (178,210) (25,625) 1,758,791 1,831,078 1,089,576 0 0 0 0 ( ) (25,625) 1,758,791 1,831,078 1,089,576 ( ) 0 33,230 96,232 26,339 (25,625) 1,792,021 1,927,310 1,115,915 (25,625) 1,758,791 1,831,078 1,089,576 88 89
1. 101 102 103 2. 101 102 103 % 0 106.7 90.9 % 0 0.06 0.04 % % 0 0.79 0.82 0 1.85 1.92 ( ) 0.00 0.02 0.02 ( ) 0 3,545.78 4,849.62 101 102 103 % 0 9.67 10.16 % (0.26) 0.58 0.55 % (0.26) 8.41 8.04 % (98.95) 32.59 25.32 (0.02) 0.96 0.86 % 0.57 93.35 93.01 % 0 1.95 2.61 % 0 3,167.17 4.69 % 0 (6,600.92) 10.01 % 38.21 47.50 5.10 % 0.22 34,566.84 14,357.42 % 0 3,270.36 (2,014.61) % 0 120.23 171.72 ( ) % 0 744,948 637,465 0 0.49 0.39 % 0.02 0.64 0.62 % 0.35 0.72 0.71 % 0 0.42 0.48 % 0 0.69 0.68 ( ) 0 1,155.58 1,228.08 ( 20% ) 1. 102 4 7 90 91
102 102 9 2. 103 102 391 1% 3. 103 4. : 102 102 103 102 (1) (2) (3) (4) 2 3 1. 2. 3. 4. 5. 4 5 6 1. 2. 3. 1 1. (1) (2) (3) (4) (5) (6) ( 5) (7) 2. (1) = (2) (102 102 4 7 101 101 10 16 ) (3) (102 102 4 7 101 101 10 16 ) (4) (5) ( ) ( 3) 3. (1) ( 2) (2) 4. (1) =( ) (2) = 5. ( 6) (1) (2) (3) 6. 7. 92 93
O ( 1) 102 103 20,759,750 22,695,222 0 0 2,256,534 2,074,747 23,016,284 24,769,969 189,796,044 216,801,003 11,475,818 11,513,817 / 15,337,636 14,966,306 216,609,498 243,281,126 10.63% 10.18% 9.58% 9.33% 9.58% 9.33% 4.96% 5.96% 1. 101 10 16 102 4 7 102 4 8 2. 1 2 12.5 3 4 ( + ) 5 6 = 94 95
96 97
103 102 ( ) % 92,124,600 86,994,459 5,130,141 5.90 23,326,959 15,801,834 7,525,125 47.62 536,174 491,043 45,131 9.19-25,505,054 25,871,245 (366,191) (1.42) 0 0 0 0-157,413,104 150,938,533 6,474,571 4.29 42,240,994 46,040,935 (3,799,941) (8.25) 66,098 63,098 3,000 4.75-619,222 424,525 194,697 45.86-775,833 813,124 (37,291) (4.59) - 29,155 13,562 15,593 114.98 463,828 281,832 181,996 64.58 資 產 總 額 343,101,021 327,734,190 15,366,831 4.69 113,816,744 132,265,089 (18,448,345) (13.95) 9,452,134 5,283,000 4,169,134 78.92 12,564,088 15,210,021 (2,645,933) (17.40) 215,704 189,196 26,508 14.01 175,581,040 143,826,703 31,754,337 22.08 6,656,380 8,348,643 (1,692,263) (20.27) 415,539 234,088 181,451 77.51 662,327 567,695 94,632 16.67 負 債 總 額 319,363,956 305,924,435 13,439,521 4.39 21,235,437 20,000,000 1,235,437 6.18 2,400,783 1,755,387 645,396 36.77 100,845 54,368 46,477 85.49 權 益 總 額 23,737,065 21,809,755 1,927,310 8.84 : 3 20% 1. 103 102 99
2. 103 102 3. 103 102 4. 103 102 5. 102 30% (1) (2) (3) ( ) (1) (2) (3) 95,317,740 (596,396) 3,000,000 91,721,344 - - ( ) 103 102 % 2,677,916 1,898,208 779,708 41.08 4,552,868 3,498,484 1,054,384 30.14 (32,317) (423,380) (391,063) 92.37 5,055,174 3,813,044 1,242,130 32.58 2,207,927 2,007,028 200,899 10.01 1,831,078 1,758,791 72,287 4.11 1. 101 10 16 102 4 7 102 4 8 102 9 103 102 2. 103 103 102 ( ) ( ) 5.10 47.50 (89) ( ) 14,357.42 34,566.84 (58) ( ) (2,014.61) 3,270.36 (162) : 103 104 4 178,000 173,648 103 11 35,000 32,708 ( ) 103 3 70,000 69,178,, ( ):, : 102 102 103 102 100 101
: ( ) 1. (1) A. B. ( ) - - - - - - ( ) - - ( ) - - - 102 103
C. D. - - - E. (2) 103.12.31 51,434,320 36,475 0 0 ( ) 107,163,256 1,919,969 ( ) 147,207,696 11,245,440 15,570,709 940,013 40,527,097 2,117,752 20,107 6,434 2,597,858 178,439 364,521,044 16,444,522 2. : 104 105
3. (1) (ORMMF) 1. 2. 3. A. (KRI) 4. 5. ORMMF ( ) ( ) B. ( ) C. D. E. ( ) : ( ) : ( ) : ( 4 ) ( 3 ) / 106 107
(2) ( 101 5,920,662 102 6,161,134 103 6,340,312 18,422,107 921,105 101 10 16 102 4 7 102 4 8 ( ) C. VAR (Sensitivity Analysis) (DV01) (VAR) 4. (1) (Stress Testing) A. B. D. (CLL) (CLL) E. (2) 103.12.31 1,186,153 0 11,152 0 1,197,304 108 109
5. (1) 103.12.31 1. (30 ) (90 ) " " (180 ) ALCO 0 10 11 30 31 90 91 180 181 1 1 258,026,645 47,779,658 34,724,723 40,154,517 23,280,700 51,118,408 60,968,639 268,120,439 40,015,831 41,453,748 53,167,991 27,715,380 51,627,588 54,139,901-10,093,794 7,763,827-6,729,025-13,013,474-4,434,680-509,180 6,828,738 1.1 (30 ) 30 = (2) 103.12.31 1 30 31 90 91 180 181 1 1 12,122,930 5,565,060 2,589,573 1,262,999 2,012,861 692,437 16,841,408 5,883,159 4,423,814 2,503,101 2,404,593 1,626,741-4,718,478-318,099-1,834,241-1,240,102-391,732-934,304 2015 2016 2017 2018 2019 Minimum 60 70 80 90 100 1.2 (90 ) (Wholesale Funding Capacity, WFC) 3 (1 2) 1.3 (180 ) Funding Market Disruption, FMD,, ) 6 110 111
2. (CFR) (CFR) 14 35 ( ) 104 05 25 112 113
1. : ( ) 2. 3. 114 115
117
O 119
120 121
122 123
124 125
126 127
128 129
130 131
132 133
134 135
136 137
138 139
140 141
142 143
144 145
146 147
148 149
150 151
152 153
154 155
156 157
158 159
160 161
162 163
164 165
166 167
168 169
170 171
172 173
174 175
176 177
178 179
180 181
182 183
184 185
186 187
188 189
190 191
192 193
194 195
196 197
198 199
200 201
O 202 203
204 205
206 207
208 209
210 211
212 213
214 215
216 217
218 219
220 221
222 223
224 225
226 227
228 229
230 231
232 233
234 235
236 237
238 239
240 241
242 243
244 245
246 247
248 249
250 251
252 253
254 255
256 257
258 259
260 261
262 263
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 7 18 (02) 8722-5000 2 16 (02) 7725-7098 89 1 (02) 7723-3600 66 12 1 (02) 7708-2800 10 1 2 (02) 7715-3000 1296 12 1302 2 (03) 272-3333 572 12 576 1 2 (03) 620-3700 412 123 (04) 3701-4970 83 1 2 (04) 3701-4100 838 1 (04) 708-4666 186 1 2 (06) 700-6800 6 1 14 1 (07) 975-5888 12 1 2 (07) 975-7000 396 (07) 975-7500 264 265
( )