台灣銀行年報_中文-1

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100071 120 (02)2349-3456 http://www.bot.com.tw 104 4 42 5 (http://mops.twse.com.tw) (http://www.bot.com.tw) 538 GPN:2004200002 ISSN:1654-5463

050 052 053 053 053 054 060 062 063 064 064 065 068 074 082 083 159 165 166 166 167 168 168 168 177 177 180 181 185 185 185 185 186 192 014 016 032 045 046 046 047 007 050 054 166 180 186 013 014 068 目錄

BANK 誠 信 關 懷 效 率 穩 健 F TAIWAN F 誠懇務實 信用至上 值得信賴 007 壹 致股東報告書 013 貳 銀行簡介 014 參 公司治理報告 014 一 組織系統 016 二 董事 監察人 總經理 副總經理 各部門及分支機構主管 資料 032 三 公司治理運作情形 045 四 會計師資訊 046 五 董事 監察人 經理人及依同一人或同一關係人持有同一銀 行已發行有表決權股份總數超過一定比率管理辦法第十一條 規定應申報股權者 其股權移轉及股權質押變動情形 046 六 持股比例占前十名之股東 其相互間為關係人關係或為配 偶 二親等以內之親屬關係之資訊 047 七 銀行 銀行之董事 監察人 總經理 副總經理 協理 各 部門及分支機構主管及銀行直接或間接控制之事業對同一轉 投資事業之持股數 並合併計算綜合持股比例 壹 致股東報告書 誠信 TAIWAN BANK 5

深耕臺灣金融 邁向國際市場 6

壹 致股東報告書誠信 關懷 效率 穩健 7 BANK F TAIWAN 103 (Fed) 10 (QE) 103 104 2 16 103 3.74% 3 (OBU) 103 2014 2 : SBL 2014-103 104

深耕臺灣金融 邁向國際市場 8

壹 致股東報告書誠信 關懷 效率 穩健 9 103 ( ) BANK F TAIWAN 1. 103 10 15 700 950 2. 103 5 134 8 3. 103 (1)103 2 18 (2)103 4 22 (3)103 6 16 (4)103 8 29 (5)103 10 15 (6)103 12 31 ( ) ( ) % 103 102 34,645.8 33,961.9 2.01 23,296.3 22,147.2 5.19 836.9 758.2 10.38 4,133.2 4,108.0 0.61 308.7 438.0 (29.52) 1,404.9 1,338.6 4.95 209.5 208.6 0.43 ( ) 453.2 369.6 22.62 ( ) 103 3,464,577 125.39% 2,329,630 113.36% 413,324 172.22% 8,248 124.10% ( ) 1.103 28,779 7,274 7,285 19,335 9,433 1,185 8,248 ( ) 9,036 18,469 2. 8,248 6,646 1,602 24.10%

深耕臺灣金融 邁向國際市場 3.103 / 0.22% ( ) 0.44% 4.103 / 3.76% ( ) 7.01% ( ) 10104 ( ) 1. 2. 3. 4. - O2O 5. 6. ( ) (104) ( ) 1. 31,950 2. 21,270 3. 2,995 4. 67.53

BANK F TAIWAN 1. ( ) 2. ( QR Code (mobile POS) ) 3. 4. 5. 壹 致股東報告書誠信 關懷 效率 穩健 11 Standard & Poor's 103 10 A+ A-1 Moody's 103 10 Aa3 P-1 104 QE (Fed) 104 103 104 3.78% 103 3.74% 3.5% 104

深耕臺灣金融 邁向國際市場 12

35 5 20 BANK F TAIWAN 87 12 21 92 7 1 93 9 16 96 7 1 97 1 1 1 2 102 2 6 ( ) 103 12 950 4.4 11.01% 9.32% 2014 7 (The Banker) 184 127 貳 銀行簡介誠信 關懷 效率 穩健 13

深耕臺灣金融 邁向國際市場 104 3 20 8 164 ( 1 ) 9 ( ) 14

BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 15 ( ) /

深耕臺灣金融 邁向國際市場 ( ) 1. ( ) 104 3 2 ( ) ( ) 16 1020809 1040730 1020809 (Harvard University) (Stanford University) (WEF) (New Economic Leader) 1030303 1040730 1030303 1010731 1040730 980731

( ) 1020926 1040730 1020926 1010731 1040730 960831 1010731 1040730 1010731 1010731 1040730 980731 ( ) BANK F TAIWAN ( ) ( ) 參 公司治理報告誠信 關懷 效率 穩健 17 1010731 1040730 920701 1010731 1040730 920701 1010731 1040730 980925 ( 3) 1020329 1040730 1020329 ( ) 1010731 1040730 940819 1010731 1040730 1010731 1030123 1040730 1030123 1 2 100% ( 95 ) 100% ( 90 ) 3

深耕臺灣金融 邁向國際市場 2. 104 3 2 3. ( ) 104 3 2 ( ) 1 2 3 4 5 6 7 8 9 10 18 V V 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 V V 1 ( ) V V V V V V V V V V V V 0 V V V V V V V V V V V 0 V V V V V V V V V V V V V 2 ( ) V V V V V V V V V V V 0 V V V V V V V V V V V 0 V V V V V V V V V V V 0 V V V V V V V V V V V 0 V V V V V V V V V V V 0 V V V V V V V V V V 0 V V V V V V V V V V 0 V V V V V V V V V V V 0 V (1) (2) ( ) (3) (4) (5) (6) ( ) ( ) (7) ( ) ( ) (8) (9) 30 (10) 27

( ) ( ) ( ) 1030303 961123 960701 1000716 1000716 ( ) ( ) ( ) ( ) ( ) ( ) ( ) BANK F TAIWAN 104 3 2 參 公司治理報告誠信 關懷 效率 穩健 19 1030806 1030806 1040112 1040112 ( ) 1000116 ( ) 1040116 ( ) 990429 1020716 ( ) ( ) 1020902 1000716 ( )

深耕臺灣金融 邁向國際市場 ( ) 1000116 ( ) 990429 1021224 ( ) 990115 ( ) 1011026 ( ) 20 1000116 1030127 1040116 ( ) ( ) ( ) 1000116 ( ) 930115 1000716 ( ) 1010903 1030716 ( ) 1020716 ( ) 1000716 ( ) 1000716 1020116 1040116

( ) 1000716 1030716 ( ) 1030116 990115 1020730 1000716 1020731 1020829 1020826 1000716 ( ) BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 21 1021112 1000716 1031231 1010518 1030310 ( ) ( ) 1031231 1040116 1020716 1010903 1020716

深耕臺灣金融 邁向國際市場 ( ) 1020716 1030116 1001220 ( ) 1030116 22 ( ) 1020116 1040116 1020116 1001220 1001220 ( ) 1020116 1030116 ( ) 1030731 1030806 1030116 1020116 1020116 1001220 990715 1020716

( ) 1030116 1030716 1020115 ( ) 1030716 1000716 1030731 1040116 1040116 ( ) 1030116 1020716 BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 23 ( ) 1001220 1010903 1001220 1030806 1020716 1000716 1020716 1040116 1020116 1020716 1020116

深耕臺灣金融 邁向國際市場 ( ) 1030716 1020716 1000704 24 1020116 1040116 1020116 1000716 1040116 1020116 1000716 1020226 1030731 1020116 1030716 1020116 1030716 1030716 1030716 1030116 1020116

( ) 1020116 1000716 1020116 1020116 1030116 1030716 1030716 1030716 鍮 1030716 1020116 BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 25 1030116 1030716 1030716 1030716 1000716 1010716 ( ) 1030716 1040116 1040116 1030716 1030716 1020116

深耕臺灣金融 邁向國際市場 ( ) 1040116 1030116 1020226 1030716 1010716 26 1020226 1020116 1020116 1040116 1030716 1040116 1030716 1040116 1040116 1040116 1030716 1020116 1030716 1030716 1020716

( ) 1030716 1030116 1020116 1030716 1040116 1040116 1010716 1010716 1030716 BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 27 1020116 1020716 1030716 1020716 1010116 1020116 1010716 1030116 1010116 1020716

深耕臺灣金融 邁向國際市場 ( ) 1020116 ( ) 1010116 1030116 1030716 1020716 28 1030716 1030116 1020716 1020116 1010116 1030716 1030707 1020116 1030116 1030116 1030716 1030716 1020116 1030716 1020716

( ) 1030716 1020716 1020716 1030716 1020716 1030707 1030716 1020116 1030716 1000716 BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 29 1030716 1030716 1030716 100%

深耕臺灣金融 邁向國際市場 ( ) 103 30 1. ( ) (A) (B) (C) (D) ( ) A B C D (%) (E) (F) 6,442 298 4,481 0.14% 4,608 272 (G) (H) A B C D E F G (%) 0.20% 96 1. 86,333 2. 101,667 100 11 573,604 40,695 103 3-12 31,226 ( 103 3 3 ) 2,000,000 (A+B+C+D) (A+B+C+D+E+F+G) 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 11,221 11,221 16,101 16,101

BANK F TAIWAN 2. (A) (B) (C) (D) A B C D (%) 11,253 899 9,054 0.26% 636 2,000,000 參 公司治理報告誠信 關懷 效率 穩健 31 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 21,206 21,206 ( )

深耕臺灣金融 邁向國際市場 ( ) 103 13 (A) ( ) ( ) ( ) (%) / ( ) 13 0 100 11 0 100 103.3.3 12 0 92 10 3 77 32 12 1 92 11 2 85 2 2 40 103.8.1 104.1.25 6 1 75 103.8.1 11 2 85 12 1 92 13 0 100 12 1 92 12 1 92 13 0 100 1 0 100 103.1.16 12 0 92 10 1 83 103.1.23 14 3 ( ) 103 2 17 4 13 14 ( ) ( ) 103 7 11 4 16 15 ( ) 13 ( ) 103 7 25 4 10 11 15 ( ) ( ) ( ) ( ) ( ) (%) ( )

( ) 103 11 ( ) ( ) (%) / ( ) 11 0 100 9 2 82 BANK F TAIWAN 6 0 100 103.8.1 3 2 60 103.8.1 104.1.25 14 5 ( ) 1. (1)102 (2)102 (3)103 (4)104 2. 4 ( ) 1. (1)102 (2)103 1 (3)103 2 (4)103 3 (5)102 2. ( ) 1. 2. 3. ( ) 11 14 參 公司治理報告誠信 關懷 效率 穩健 33 (%) ( ) ( ) ( ) ( ) ( ) ( ) V V V ( ) 1 ( 100% ) ( ) ( ) ( )

深耕臺灣金融 邁向國際市場 ( ) ( ) V V ( ) 98.7.31 100% ( ) 34 ( ) ( ) ( ) V V V ( ) ( http://www.bot.com.tw) ( ) ( ) V ( ) ( ) ( ) ( ) ( ) 1. 2. 3. BASEL 4.

( ) V ( ) 1. 2. 3. 4. 5. ( ) 1. 2. ( ) ( ) ( ) BANK F TAIWAN 參 公司治理報告誠信 關懷 效率 穩健 35 V ( ) 100%

深耕臺灣金融 邁向國際市場 ( ) 36 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) V V V V V V V ( ) ( ) ( ) ( ) ( ) ( ) 100% ( ) 1. 2. 3. 4. ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) V V V V V V V ( ) ( ) ( ) ( ) ( ) ( ) ( )

( ) ( ) V V V ( ) ( ) / BANK F TAIWAN ( ) ( ) ( ) 103 1.103 1 2014 -- 2.103 5 14 Life 3.103 5 17 150 180 4.103 5 24 5.103 7 26 27 5 70 ( 15 ) 6. 103 8 21 185 7.103 8 13 ( ) 8 21 ( ) 8. 103 10 8 1,102 9. 103 11 25 101 102 參 公司治理報告誠信 關懷 效率 穩健 37 68

深耕臺灣金融 邁向國際市場 ( ) 38 ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) V V V V V V V V ( ) 97 ( ) ( ) 1. 2. 7 3 ( ) ( ) ( ) ( ) ( ) ( ) 1. 2. 3.

( ) ( ) ( ) V V V V ( ) e-mail ( ) ( ) ( ) 74 / BANK F TAIWAN ( ) 1. 2. 3. 4. 2014 2 5. 參 公司治理報告誠信 關懷 效率 穩健 39 ( ) www.bot.com.tw ( ) 103

深耕臺灣金融 邁向國際市場 ( ) 1. 40 103 1 1 103 12 31 1 0 4 3 4

103 12 31 BANK F TAIWAN 20 26 103 12 參 公司治理報告誠信 關懷 效率 穩健 41 103 12 103 10

深耕臺灣金融 邁向國際市場 2. 42 : 1 0 4 2 2 6

( ) 1. 2. 3. 61 1 4. 5 103 7 22 ( ) 103 8 4 7 1 4 7 3 102 6 7 10260001860 61 1 1 BANK F TAIWAN 103 10 1. 2. 參 公司治理報告誠信 關懷 效率 穩健 43 5. 1. 102 6 21 1020016904 102 8 23 2. 103 11

深耕臺灣金融 邁向國際市場 ( ) 103 441.103 1 3 4 12 ( )104 ( ) 2.103 1 24 4 76 3.103 2 17 4 13 104 4.103 3 3 4 8 5.103 3 14 4 14 102 6.103 3 14 4 82 7.103 5 9 4 15 102 8.103 7 11 4 16 9.103 7 11 4 16 ( ) 10.103 7 25 4 10 11.103 8 1 4 102 103 8 1 103 8 1 104 7 30 12.103 10 3 4 11 250 700 950 103 10 15 13.103 10 24 4 12 14.103 12 4 4 13 ( ) 15.104 1 9 4 14 16.104 1 9 4 14 17.104 3 20 4 20 103 18.104 3 20 4 20

BANK F TAIWAN ( ) 103 ( ) 103 104 3 2 102/09/30 103/03/03 95/05/12 103/07/16 100/07/16 103/08/06 103.1.1~103.12.31 參 公司治理報告誠信 關懷 效率 穩健 45 2,000 2,000 4,000 3,345 2,472 5,817 4,000 6,000 6,000 8,000 8,000 10,000 10,000 3,345 2,472 2,472 103.1.1~ 103.12.31 ( )

深耕臺灣金融 邁向國際市場 46 ( )

BANK F TAIWAN ( ) 103 12 31 % ( ) 715,223,724 7.72 274,970,634 2.97 990,194,358 10.69 ( ) 912,520,417 17.22 1,236,197 0.02 913,756,614 17.24 ( ) 63,521,565 0.51 7,294,224 0.06 70,815,789 0.57 ( ) 309,799,938 2.49 9,636,549 0.08 319,436,487 2.57 ( ) 64,608,278 17.76 111,120 0.03 64,719,398 17.79 ( ) 238,729,496 1.56 1,793,623 0.01 240,523,119 1.57 ( ) 236,607,231 2.33 37,454,402 0.37 274,061,633 2.70 ( ) 16,658,992 0.30 8,006,499 0.14 24,665,491 0.44 ( ) 865,191,972 2.62 148,281,804 0.45 1,013,473,776 3.07 ( ) 64,497,438 10.01 19,326,645 3.00 83,824,083 13.01 參 公司治理報告誠信 關懷 效率 穩健 47 ( ) 1,250,110 1.91 0 0.00 1,250,110 1.91 ( ) 62,882 0.14 0 0.00 62,882 0.14 10,696,149 15.22 0 0.00 10,696,149 15.22 146,250 4.99 0 0.00 146,250 4.99 ( ) 1,400,000 7.06 700,000 3.53 2,100,000 10.59 ( ) 5,941,756 2.05 5,701,180 1.97 11,642,936 4.02 ( ) 75,000,000 5.68 150,000,000 11.35 225,000,000 17.03 ( ) 450,000 3.33 0 0.00 450,000 3.33 ( ) 10,000,000 5.88 5,000,000 2.94 15,000,000 8.82 ( ) 11,998,125 2.67 5,191,875 1.15 17,190,000 3.82 ( ) 1,268,688 5.77 404,936 1.84 1,673,624 7.61 ( ) 15,531 0.26 69,740 1.16 85,271 1.42 ( ) 14,658 0.92 0 0.00 14,658 0.92 ( ) 25,035,822 9.54 10,000 0.00 25,045,822 9.54 ( ) 1,200,000 2.20 600,000 1.10 1,800,000 3.30 ( ) 1,980,444,762 21.23 358,513,765 3.84 2,338,958,527 25.07 ( ) 172,011,552 17.77 24,124,703 2.49 196,136,255 20.26 ( ) 74,802,414 21.37 16,074,512 4.59 90,876,926 25.96 ( ) 303,131,576 91.86 0 0.00 303,131,576 91.86 ( ) 1,500,000 30.00 0 0.00 1,500,000 30.00 ( ) 2,000,000 100.00 0 0.00 2,000,000 100.00

BANK 誠 信 關 懷 效 率 穩 健 F TAIWAN 關 懷 TAIWAN BANK F 050 肆 054 伍 肆 募資情形 關懷社會 關懷客戶 關懷員工 49 募資情形 050 一 資本及股份 052 二 金融債券發行情形 053 三 特別股發行情形 海外存託憑證發行情形 員工認股權憑證 辦理情形 限制員工權利新股辦理情形 053 四 併購或受讓其他金融機構 053 五 資金運用計畫執行情形 營運概況 054 一 業務內容 060 二 從業員工資料 062 三 企業責任及道德行為 063 四 資訊設備 064 五 勞資關係 064 六 重要契約 065 七 最近年度依金融資產證券化條例或不動產證券化條例申請核 准辦理之證券化商品類型及相關資訊

深耕臺灣金融 邁向國際市場 ( ) 50103 12 10 95 950 95 950 95 ( ) 0 95 ( )50 99 250 103 250 ( 103 10 9 1030039134 103 10 9 ) ( ) 100% ( ) 103 102 - - - - - - 26.76 26.11 26.36 25.73 9,500,000,000 9,500,000,000 0.87 0.78 0.39 0.38 - - - - - - - - 1.102 103 2. 103 10 15 950 102

BANK F TAIWAN ( ) 1. (1) (2) (3) 30% (4) 20 40% 15% 2. 103 37.45 0.39 103 ( ) 肆 募資情形誠信 關懷 效率 穩健 51 ( ) ( ) 2014 -

深耕臺灣金融 邁向國際市場 102 1 103 1 103 2 102 8 9 10200215390 102 8 9 10200215390 103 10 23 10300295070 52 102 12 2 1. 103 6 25 2. 103 6 27 3. 103 6 27 1 1 1 1.A 103 11 26 2.B 103 11 26 3.C 103 12 1 160 90 10.2 0.15% ( ) 2 3 6 9 12 2 2 10 112 12 2 1. 0.3% 2 11 30 (TAIBOR) (Fixing Rate) / 2. 1.70% 3. 0.15% ( ) 1. 10 2. 113 6 25 113 6 27 113 6 27 160 90 10.2 1.A 0% 4.0% 2.B 0% 4.3% 3.C 0% 4.3% 1.A 20 123 11 26 2.B 30 133 11 26 3.C 30 133 12 1 700 700 700 247,962,981 244,475,322 244,475,322

(%) 102 1 103 1 6.45% 10.2% 23.1% 102.11.19 twaa 103.9.30 twaa+ 103.6.16 twaa 103.9.30 twaa+ BANK F TAIWAN 103 2 1. 2. ( ) 3. (RP) 103.11.19 twaaa 肆 募資情形誠信 關懷 效率 穩健 53 102 103 102 160 1. (1) (2) (3) 2. IRS 103 90 1. (1) (2) (3) 2. IRS 103 10.2 1. 2. ( ) 3. (RP) 1.102 11 29 2.103 10 1 twaa twaa+ 1.103 6 20 2.103 10 1 twaa twaa+ 3.103 12 22 103-1 103 11 24

深耕臺灣金融 邁向國際市場 ( ) 1. 103 12 35,527 102 12 4.16% 44,027 80.69% 1.38% 12.90% 103 54 36,000 34,000 32,000 30,000 28,000 26,000 24,000 22,000 25,090 29,863 32,976 32,221 32,208 31,893 35,527 34,109 20,000 96 97 98 99 100 101 102 103 2. 103 12 23,180 ( ) 102 12 2.94% 44,027 52.65% 103 12 ( ) 14,927 33.9% 1.62% 103 3,400 2.78% Basis Point 103 1 103 24,000 22,000 20,000 18,000 16,000 14,000 21,633 21,850 22,51723,180 20,413 20,791 19,818 19,116 12,000 10,000 96 97 98 99 100 101 102 103

3. 103 7,636 102 410 5.67% 4. 103 4,133.24 103 BANK F TAIWAN 4,500 4,107.99 4,133.24 4,000 3,725.21 3,500 3,393.41 3,000 2,613.14 2,500 2,285.38 2,179.62 2,000 1,639.87 1,500 1,000 96 97 98 99 100 101 102 103 158 103 415 9 103 OBU 147.3 5. 103 276.35 10210.1% 1,035 103 75 169 236 e 5.23 103 492 102 11.06% 103 17 102 6.25% 6. 103 4,107 1.53% 103 12 13,312 17.39% 4,067 36.42% 4,144 103 4 174,685 1 3,513 7,718 5,795 7. (1) 103 74,538 7,616 103 12 6,855 6,584 56.2 57.1 (2) a. 103 316.7 203.1 113.6 3,732 82.7 伍 營運概況誠信 關懷 效率 穩健 55

深耕臺灣金融 邁向國際市場 56b. 103 23 2 c. 103 ( ) (3) 103 31 595.9 21.3 3.7% 103 45.3 (4) ( ) 103 66.7 70.6 6.78% 103 3.5 3.9 6.86% 8. 103 16,662 8.65% 19,809 5.76% 103 17,067 102 9.68% 9. ( ) 103 6 1 103 12 7,447 587,609 103 209.49 68,411 244.28 103 238.75 118 10. 103 308.7 11. 103 21.96 ( 3.85 ) 102 19.48% 103 12 134 ( 8 ) 182 12. 103 1,405 4.8% 0.51 7.8% ( ) 104 1.

BANK F TAIWAN 2. 3. PSP TSM 4. 5. e 6. 7. 103 ( A- ) ETF 8. e 9. 10. 104 1 5 伍 營運概況誠信 關懷 效率 穩健 57

深耕臺灣金融 邁向國際市場 ( ) 581. 100% 103 12 164 ( 1 ) 9 2. 104 103 (Bank 3.0) 3. (1) (2) (3) (4) 4. (1) a.100% b. c. d. (2) a.100% ( ) b. c. d.100% (3) a.

BANK F TAIWAN b. c. d. ( ) 103 457 108 57,500 1. (1) 9 ( ) (2) 103 6 16 2. 103 7,464 102 11,359 (1) 24 (2) 24 (3) 24 (4) 8 (5) 24 (6) 17 (7) 171 伍 營運概況誠信 關懷 效率 穩健 59 ( ) 1. (1) (2) ( ) (3) APP (4) TSM

深耕臺灣金融 邁向國際市場 60(5) (OBU) OBU OBU OBU (6) (7) (8) 2. 100% 103 265 18,700 1,959 792 104 3 31 102 103 104 3 31 7,107 7,098 7,090 153 153 150 708 685 671 7,968 7,936 7,911 44.88 45.20 45.20 18.07 18.30 18.28 (%) 0.08 0.06 0.06 13.73 15.10 15.32 75.27 74.39 74.35 9.43 9.03 8.92 1.49 1.42 1.35

BANK F TAIWAN 102 103 104 3 31 5,433 5,531 5,537 8 14 19 5 5 4 35 35 35 11 13 13 12 10 10 7 8 8 11 12 12 13 14 14 CFA Level-1 16 18 20 CFA Level-2 4 5 5 CFA Level-3 3 4 4 CFA 3 2 2 11 12 13 1 1 1 2 2 2 0 0 0 1 1 1 2,515 2,690 2,712 3,015 3,181 3,205 25 28 28 136 147 148 2,252 2,352 2,364 1,128 1,187 1,193 FRM 31 36 37 233 243 244 88 97 99 2,534 2,628 2,640 2,735 2,871 2,890 76 77 77 21 22 23 85 87 87 伍 營運概況誠信 關懷 效率 穩健 61

深耕臺灣金融 邁向國際市場 62 102 103 104 3 31 CFP 44 48 49 5,449 5,592 5,608 2,689 2,758 2,766 3,285 3,525 3,554 249 255 255 1,272 1,370 1,384 1,317 1,366 1,372 41 39 39 883 1,011 1,031 10 10 10 155 162 165 3,674 3,594 3,586 1,528 1,719 1,739 11 9 9 0 0 0 30 30 31 1,596 1,664 1,678 152 156 156 926 949 962 2,013 2,107 2,120 100%

( ) BANK F TAIWAN e EDI 103 1. 103 1 103 6 2. 103 6 1 3. (FATCA) 103 7 1 4. 5. 6. 伍 營運概況誠信 關懷 效率 穩健 63 ( ) 1. 5 2. (RCPMIS) 3. 4. 5. (OBU) ( ) 1. ( e )

深耕臺灣金融 邁向國際市場 2. (1) 103 12 BS 10012 (2) (BSI) 103 1 7 (ISO 20000) 103 8 (ISO 27001) (ISO 22301) (3) (IP) 64 ( ) 1. 2. ( ) ( ) ( ) 1. 2. 3. ( ) 100.2.1 1. ( ) 2. 99.7.1 104.7.1 99.7.1 104.7.1

103 103 99.7.9 101.3.30 ( ) 103.6.1 104.5.31 ( ) 100.12.29 103.4.1 104.3.31 BANK F TAIWAN 98 103.4.1 104.3.31 103.1.1 103.12.31 103.9.1 105.8.31 伍 營運概況誠信 關懷 效率 穩健 65 103.4.11 105.4.10 103.3.29 104.3.29 102.5.1~107.4.30

效 率 TAIWAN BANK F 積極主動 迅速服務 追求創新 068 陸 166 柒 財務概況 068 一 最近五年度簡明資產負債表及綜合損益表 074 二 最近五年度財務分析 082 三 最近年度財務報告之審計委員會審查報告 083 四 最近年度財務報告 159 五 最近年度經會計師查核簽證之銀行個體財務報告 165 六 銀行及其關係企業最近年度及截至年報刊印日止 如有發生 財務週轉困難情事 應列明其對本行財務狀況之影響 財務狀況及財務績效之檢討分析與風險管理事項 166 一 財務狀況 166 二 財務績效 167 三 現金流量 168 四 最近年度重大資本支出對財務業務之影響 168 五 最近年度轉投資政策 168 六 風險管理 177 七 危機處理應變機制 177 八 其他重要事項

深耕臺灣金融 邁向國際市場 ( ) 68 103 102 101 738,816,618 704,709,365 622,440,273 208,646,968 166,714,218 146,534,038 797,692,802 765,521,333 734,870,751 25,613 5,443 3,543 1,956,563 6,173,451 4,980,621-62,570,189 82,279,036 89,166,548 1,878,465 2,169,130 2,131,424 - - - - - 2,298,237,964 2,240,652,458 2,177,133,260 77,372,697 73,044,728 62,009,085-36,990,117 34,792,041 34,652,109 - - - - 68,466,496 70,317,802 69,668,204-97,108,785 97,502,611 98,086,367 - - - - - 941,417 1,048,025 1,164,105-361,798 241,804 331,086 11,404,016 9,229,150 10,620,513 7,754,090 5,630,335 6,026,501 4,402,470,508 4,254,400,595 4,053,791,927 4,398,820,582 4,250,801,780 4,049,197,915 156,988,830 252,738,244 213,374,465 - - - 47,915,342 3,999,496 4,876,954 103,024 225,806 301,390 38,018,153 19,036,703 11,998,398 41,039,673 44,758,616 41,988,683 181,948 162,430 96,083 - - - 3,554,081,722 3,409,605,226 3,294,903,719 24,997,612 15,998,240 - - - - 1,756,954 1,243,698 8,198,013 257,654,781 232,766,904 210,201,483 18,348,772 18,299,657 18,359,086

BANK F TAIWAN 103 102 101 7,202,223 7,491,439 7,671,101 7,297,672 7,491,439 7,844,210 4,148,289,034 4,006,326,459 3,811,969,375 4,148,384,483 4,006,326,459 3,812,142,484 - - - 95,000,000 70,000,000 70,000,000 95,000,000 70,000,000 70,000,000 80,521,742 105,496,092 105,453,034 55,169,251 51,053,056 48,686,675 51,423,876 47,454,241 43,919,554 23,490,481 21,524,988 17,682,843 - - - - - - 254,181,474 248,074,136 241,822,552 250,436,099 244,475,321 237,055,431 101 102 103 103 102 101 65,232,863 59,252,283 56,039,716 : 36,453,488 33,364,389 31,952,145 28,779,375 25,887,894 24,087,571 7,274,096 3,609,713 4,786,638 36,053,471 29,497,607 28,874,209 7,284,809 2,625,044 3,107,865 19,335,309 18,025,012 17,722,916 9,433,353 8,847,551 8,043,428 1,185,145 1,429,623 862,560 8,248,208 7,417,928 7,180,868 - - - 8,248,208 7,417,928 7,180,868 ( ) 1,432,294 3,557,719 3,139,909 9,680,502 10,975,647 10,320,777 8,248,208 7,417,928 7,180,868 - - - 9,680,502 10,975,647 10,320,777 - - - 0.87 0.78 0.76 陸 財務概況誠信 關懷 效率 穩健 69 1 101 102 103 2 103 10 15 950

深耕臺灣金融 邁向國際市場 70 103 102 101 738,816,588 704,709,335 622,440,273 208,646,968 166,714,218 146,534,038 797,692,802 765,521,333 734,870,751 25,613 5,443 3,543 1,956,563 6,173,451 4,980,621-62,547,115 82,258,188 89,166,548 1,878,465 2,169,130 2,131,424 - - - - - 2,298,237,964 2,240,652,458 2,177,133,260 77,372,697 73,044,728 62,009,085-37,242,253 34,941,396 34,652,109 - - - - 68,466,496 70,317,802 69,668,204-97,103,753 97,497,978 98,086,367 - - - - - 940,987 1,047,495 1,164,105-357,844 237,929 331,086 11,399,279 9,227,485 10,620,513 7,749,353 5,628,670 6,026,501 4,402,685,387 4,254,518,369 4,053,791,927 4,399,035,461 4,250,919,554 4,049,197,915 156,988,830 252,738,244 213,374,465 - - - 47,915,342 3,999,496 4,876,954 103,024 225,806 301,390 38,018,153 19,036,703 11,998,398 41,013,062 44,746,966 41,988,683 154,840 132,072 96,083 - - - 3,554,349,701 3,409,797,342 3,294,903,719 24,997,612 15,998,240 - - - - 1,756,954 1,243,698 8,198,013 257,654,781 232,743,116 210,201,483 18,348,772 18,299,657 18,359,086 7,202,842 7,482,893 7,671,101 7,298,291 7,482,893 7,844,210 4,148,503,913 4,006,444,233 3,811,969,375 4,148,599,362 4,006,444,233 3,812,142,484

BANK F TAIWAN 103 102 101 - - - 95,000,000 70,000,000 70,000,000 95,000,000 70,000,000 70,000,000 80,521,742 105,496,092 105,453,034 55,169,251 51,053,056 48,686,675 51,423,876 47,454,241 43,919,554 23,490,481 21,524,988 17,682,843 - - - - - - 254,181,474 248,074,136 241,822,552 250,436,099 244,475,321 237,055,431 101 102 103 103 102 101 65,232,863 59,252,283 56,039,716 : 36,453,834 33,364,505 31,952,145 28,779,029 25,887,778 24,087,571 7,111,636 3,513,757 4,786,638 35,890,665 29,401,535 28,874,209 7,284,809 2,625,044 3,107,865 19,214,750 17,955,435 17,722,916 9,391,106 8,821,056 8,043,428 1,142,898 1,403,128 862,560 8,248,208 7,417,928 7,180,868 - - - 8,248,208 7,417,928 7,180,868 ( ) 1,432,294 3,557,719 3,139,909 9,680,502 10,975,647 10,320,777 8,248,208 7,417,928 7,180,868 - - - 9,680,502 10,975,647 10,320,777 - - - 0.87 0.78 0.76 陸 財務概況誠信 關懷 效率 穩健 71 1 101 102 103 2 103 10 15 950

深耕臺灣金融 邁向國際市場 ( ) 72 101 100 99 622,440,273 564,981,579 562,643,187 146,534,038 110,886,008 99,875,033 4,980,621 3,231,949 600,294 91,271,394 86,439,780 84,272,771 2,177,133,260 2,153,591,118 2,079,558,679 734,870,751 757,373,465 837,360,582 61,999,046 50,942,589 54,207,507 35,393,882 32,479,598 31,330,008 69,672,866 72,207,332 69,201,006 97,253,304 97,864,904 76,596,999 1,164,105 821,057 969,574 11,934,505 15,119,109 18,607,244 7,340,493 10,747,702 12,986,379 4,054,648,045 3,945,938,488 3,915,222,884 4,050,054,033 3,941,567,081 3,909,602,019 213,374,465 208,926,475 207,612,937 4,876,954 3,902,885 18,985,604 11,998,398 14,906,165 9,429,373 3,294,903,719 3,218,010,687 3,185,931,012 - - - - - - 4,959,970 4,566,752 3,389,155 8,499,403 5,756,183 1,048,528 263,305,034 243,500,212 237,277,669 263,478,142 243,560,707 237,399,288 3,801,917,943 3,699,569,359 3,663,674,278 3,802,091,051 3,699,629,854 3,663,795,897 70,000,000 70,000,000 70,000,000 70,000,000 70,000,000 70,000,000 105,682,871 106,077,872 105,581,440 33,697,990 30,901,653 32,923,901 28,930,870 26,469,751 27,181,417 17,929,660 13,983,157 28,860,619-800,300-366,046-455,457 26,219,881 25,772,493 14,638,103 252,730,102 246,369,129 251,548,606 247,962,982 241,937,227 245,806,122 99~101

101 100 99 BANK F TAIWAN 24,675,639 23,186,559 20,269,138 4,502,274 4,422,055 5,257,020 3,107,865 5,045,474 376,029 17,984,064 18,114,175 17,323,324 8,085,984 4,448,965 7,826,805 7,228,241 3,663,805 7,084,968 - - - - - - - - - 7,228,241 3,663,805 7,084,968 ( )( ) 0.76 0.39 0.75 1 99 101 2 103 10 15 950 ( ) 陸 財務概況誠信 關懷 效率 穩健 73 99 100 101 102 103

深耕臺灣金融 邁向國際市場 ( ) 74 % 103 102 101 ( ) 65.25 66.02 66.26 ( 1) 0.31 0.44 0.52 1.27 1.25 1.27 1.89 1.89 1.87 ( )( 9) 0.83 0.71 0.72 ( 2) 4,485 3,674 3,596 1,026 924 894 (%)( 9) 5.50 5.13 4.61 (%)( 9) 0.19 0.18 0.18 (%)( 9) 3.28 3.03 3.01 (%) 22.88 25.15 24.87 ( )( 13) 0.87 0.78 0.76 94.20 94.15 94.02 38.20 39.30 40.56 ( 3) 3.48 4.95 2.75 ( 4)( 10) 6.62 10.00 - ( 11) 12.76-25.90 ( 12) 619.88 582.05 1,196.38 ( 11) 2,447.72-20,351.29 39.90 42.81 40.07 34,864,509 34,267,212 20,181,252 1.44 1.45 0.88 9.34 9.83 10.31 8.39 9.11 9.60 10.59 10.80 11.12 8.78 9.06 9.29 1. 103 34.71 102 8 638 2. 103 102 66 3. 103 1,481 102 2,006 4. 103 5.86 102 8.04 1 101 102 103 2 1. (1) (2) ( )

(3) 3 (4) (5) (6) 6 (7) 2. (1) 8 (2) (3) (4) (5) ( ) 3. (1) 4 (2) 4. (1) (2) 5. 7 BANK F TAIWAN (1) (2) (3) 6. 7. (1) 5 (2) (3) (4) 3 103 102 101 10,663,770 10,820,906 10,664,322 4 5 6 7 1. 2. 3. 8 9 102 101 101 101 1 1 101 102 101 102 103 102 103 10 100 11 102 12 101 102 103 /( + ) 13 103 10 15 950 陸 財務概況誠信 關懷 效率 穩健 75

深耕臺灣金融 邁向國際市場 76 % 103 102 101 ( ) 65.25 66.02 66.26 ( 1) 0.31 0.44 0.52 1.27 1.25 1.27 1.89 1.89 1.87 ( )( 9) 0.83 0.71 0.72 ( 2) 4,504 3,674 3,596 1,035 927 894 (%)( 9) 5.48 5.11 4.61 (%)( 9) 0.19 0.18 0.18 (%)( 9) 3.28 3.03 3.01 (%) 22.98 25.23 24.87 ( )( 13) 0.87 0.78 0.76 94.20 94.15 94.02 38.20 39.30 40.56 ( 3) 3.48 4.95 2.75 ( 4)( 10) 6.46 9.67 - ( 11) 12.76-25.90 ( 12) 619.91 582.05 1,196.38 ( 11) 2,455.67-20,351.29 39.90 42.81 40.07 34,864,509 34,267,212 20,181,252 1.44 1.45 0.88 9.34 9.83 10.31 8.39 9.11 9.60 10.59 10.81 11.12 8.78 9.06 9.29 1. 103 34.71 102 8 638 2. 103 102 66 3. 103 1,481 102 2,006 4. 103 5.70 102 7.78 1 101 102 103 2 1. (1) (2) ( ) (3) 3 (4) (5) (6) 6 (7) 2. (1) 8 (2) (3) (4) (5) ( ) 3. (1) 4 (2) 4. (1) (2) 5. 7 (1)

(2) (3) 6. 7. (1) 5 (2) (3) (4) BANK F TAIWAN 3 103 102 101 10,663,770 10,820,906 10,664,322 4 5 6 7 1. 2. 3. 8 9 102 101 101 101 1 1 101 102 101 102 103 102 103 10 100 11 102 12 101 102 103 /( + ) 13 103 10 15 950 % 103 102 173,517,616 169,355,190 50,204,345 34,157,947 223,721,961 203,513,137 1,836,910,103 1,768,858,574 4,374,030 56,984,163 51,777,388 / 86,770,575 71,523,188 1,980,664,841 1,896,533,180 11.30% 10.73% 8.76% 8.93% 8.76% 8.93% 4 陸 財務概況誠信 關懷 效率 穩健 77 1 103 12 31 2 3 1. 2. 12.5 3. 4. 5. 6. 4 104 5

深耕臺灣金融 邁向國際市場 78( ) % 101 100 99 ( ) 66.26 67.16 65.19 0.52 0.44 0.62 1.27 1.21 1.04 1.87 1.77 1.59 ( ) 0.73 0.70 0.65 3,634 3,477 3,210 - - - ( 10) 900 461 891 (%) 4.64 2.55 4.43 (%) 0.18 0.09 0.18 (%) 2.90 1.47 2.88 (%) 24.77 13.27 27.76 ( )( 12) 0.76 0.39 0.75 93.75 93.74 93.57 38.48 39.72 30.45 2.75 0.78 0.62 ( 11) 81.75-43.16-8.97 ( 9) 5.72-12.33 ( 9) 174.77 388.64 580.70 ( 9) -38.43-4.60 40.07 40.59 42.94 20,181,252 19,419,003 19,516,445 0.88 0.86 0.91 10.31 10.36 10.94 10.03 10.67 11.46 11.12 11.29 11.63 9.29 9.52 9.97 1 99 101 2 1. (1) (2) ( ) (3) 3 (4) (5) (6) 6 (7)

2. (1) 8 (2) (3) (4) (5) ( ) 3. (1) 4 (2) 4. (1) (2) 5. 7 BANK F TAIWAN (1) (2) (3) 6. 7. (1) 5 (2) (3) (4) 3 4 5 6 7 1. 2. 3. 8 9 100 101 10 101 11 101 12 103 10 15 950 陸 財務概況誠信 關懷 效率 穩健 79

深耕臺灣金融 邁向國際市場 101 100 99 % 80 8,385,156 6,301,072 9,284,925 70,000,000 70,000,000 70,000,000 105,682,871 106,077,872 105,581,440 25,218,428 24,119,287 21,993,796 98,322 518,561 1,645,137-3,947,909-5,799,208-1,567,024 29,544,165 28,336,290 30,416,621 175,892,703 172,881,294 176,521,653 27,383,086 26,581,673 14,640,019 45% 8,961,329 8,373,213 13,486,622 9,146,517 7,865,923 1,328,931 29,544,164 28,336,288 29,455,572 15,946,768 14,484,521-191,839,471 187,365,815 176,521,653

100 99 101 BANK F TAIWAN 1,631,099,532 1,525,347,746 1,387,342,993 3,646,593 2,125,603 2,722,945 49,219,638 47,184,300 46,779,788 / 72,726,088 71,441,638 49,679,588 1,756,691,851 1,646,099,287 1,486,525,314 10.92 11.38 11.87 10.01 10.50 11.87 0.91 0.88-1.73 1.77 1.79 陸 財務概況誠信 關懷 效率 穩健 81 1 99 101 2 3 1. 2. 12.5 3. 4. 5. 6. 7.

深耕臺灣金融 邁向國際市場 103 103 104 3 19 2 19 14 4 82 1 0 4 3 1 9

BANK F TAIWAN ( ) 30,577,743 28,817,655 0.69 0.68 2,790,937 2,135,643 29.59 24.14 ( ) 陸 財務概況誠信 關懷 效率 穩健 83 (88) ( ) 18311 0930105495

深耕臺灣金融 邁向國際市場 103.12.31 102.12.31 % % ( ( ) ) $ 155,902,597 4 119,265,293 3 ( ( ) ( ) ) 582,914,021 13 585,444,072 14 84 ( ( ) ) 208,646,968 5 166,714,218 4 ( ( ) ) 25,613-5,443 - ( ( ) ) 1,956,563-6,173,451 - - ( ( ) ( ) ) 62,570,189 1 82,279,036 2 1,878,465-2,169,130 - - ( ( ) ) 2,298,237,964 52 2,240,652,458 53 - ( ( ) ( ) ) 797,692,802 18 765,521,333 18 - ( ( ) ) 77,372,697 2 73,044,728 2 - ( ( )) 36,990,117 1 34,792,041 1 - ( ( ) ( ) ( ) ) 68,466,496 2 70,317,802 1 - ( ( ) ( )) 97,108,785 2 97,502,611 2 - ( ( )) 941,417-1,048,025 - ( ( )) 361,798-241,804 - - ( ( ) ( ) ) 11,404,016-9,229,150 - $ 4,402,470,508 100 4,254,400,595 100

BANK F TAIWAN 103.12.31 102.12.31 % % ( ( ) ) $ 156,988,830 4 252,738,244 7 ( ( ) ) 47,915,342 1 3,999,496 - ( ( ) ) 103,024-225,806 - ( ( ) ) 38,018,153 1 19,036,703 - ( ( ) ) 41,039,673 1 44,758,616 1 181,948-162,430 - ( ( ) ) 3,554,081,722 81 3,409,605,226 80 ( ( ) ) 24,997,612-15,998,240 - ( ( ) ) 1,756,954-1,243,698 - ( ( ) ( )) 257,654,781 6 232,766,904 5 ( ( )) 18,348,772-18,299,657 1 陸 財務概況誠信 關懷 效率 穩健 85 ( ( ) ) 7,202,223-7,491,439-4,148,289,034 94 4,006,326,459 94 ( ( )) 95,000,000 2 70,000,000 2 80,521,742 2 105,496,092 2 29,526,951 1 27,386,900 1 ( ( )) 17,502,398-16,489,571-8,139,902-7,176,585-55,169,251 1 51,053,056 1 ( ( )) 23,490,481 1 21,524,988 1 254,181,474 6 248,074,136 6 $ 4,402,470,508 100 4,254,400,595 100

深耕臺灣金融 邁向國際市場 103 102 ( ( )) $ 65,232,863 181 59,252,283 201 10 ( ( )) (36,453,488) (101) (33,364,389) (113) 9 ( ( )) 28,779,375 80 25,887,894 88 11 ( ( )) 5,438,609 15 5,275,607 18 3 ( ) ( ( )) 15,914,831 44 14,147,606 48 12 86 ( ) ( ( )) 1,062,198 3 1,007,390 3 5 ( ) 6,250,104 17 2,585,863 9 142 ( ) ( ( )) (1,685) - (19,013) - 91 ( ) ( ( )) 3,042,845 8 1,926,100 7 58 ( ( )) (3,503,057) (10) (5,563,476) (19) 37 ( ) ( ( )) 450,651 1 430,636 1 5 ( ( ) ( )) 12,946,954 36 15,696,251 53 (18) ( ( )) 210,472 1 865,783 3 (76) ( ( ) ) (23,874,056) (66) (21,922,128) (74) (9) ( ( ) ( ) ) (10,663,770) (30) (10,820,906) (37) 1 36,053,471 99 29,497,607 100 22 ( ( )) (7,284,809) (20) (2,625,044) (9) 178 ( ( )) (11,723,709) (33) (11,562,624) (39) 1 ( ( )) (1,207,656) (3) (1,282,422) (4) (6) ( ( )) (6,403,944) (18) (5,179,966) (18) 24 (19,335,309) (54) (18,025,012) (61) 7 9,433,353 25 8,847,551 30 7 9,433,353 25 8,847,551 30 7 ( ( )) (1,185,145) (3) (1,429,623) (5) 17 8,248,208 22 7,417,928 25 11 391,039 1 6,932-5,541 1,022,580 3 4,754,330 16 (78) ( ) (450,839) (1) (330,269) (1) 37 ( ( )) 477,061 1 (911,409) (3) (152) ( ) ( ( )) (7,547) - 38,135 - (120) ( ) 1,432,294 4 3,557,719 12 (60) $ 9,680,502 26 10,975,647 37 (12) ( )( ( )) $ 0.87 0.78

( ) $ 70,000,000 105,453,034 25,218,428 15,087,006 8,381,241 48,686,675 (363,405) 18,046,248 17,682,843 241,822,552 - - 2,168,472 - (2,168,472) - - - - - - - - 1,445,648 (1,445,648) - - - - - - - - - (4,767,121) (4,767,121) - - - (4,767,121) - - - (43,083) 43,083 - - - - - - 43,058 - - - - - - - 43,058 - - - - 7,417,928 7,417,928 - - - 7,417,928 - - - - (284,426) (284,426) 54,488 3,787,657 3,842,145 3,557,719 70,000,000 105,496,092 27,386,900 16,489,571 7,176,585 51,053,056 (308,917) 21,833,905 21,524,988 248,074,136 - - 2,140,051 - (2,140,051) - - - - - - - - 1,038,720 (1,038,720) - - - - - - - - - (3,598,814) (3,598,814) - - - (3,598,814) - - - (25,893) 25,893 - - - - - - 25,650 - - - - - - - 25,650 25,000,000 (25,000,000) - - - - - - - - BANK F TAIWAN - - - - 8,248,208 8,248,208 - - - 8,248,208 - - - - (533,199) (533,199) 582,615 1,382,878 1,965,493 1,432,294 $ 95,000,000 80,521,742 29,526,951 17,502,398 8,139,902 55,169,251 273,698 23,216,783 23,490,481 254,181,474 5,163 3,240 陸 財務概況誠信 關懷 效率 穩健 87

深耕臺灣金融 邁向國際市場 103 102 $ 9,433,353 8,847,550 868,569 872,277 377,639 410,145 7,284,809 2,625,046 88 36,453,488 33,364,389 (65,232,863) (59,252,283) 23,874,056 21,914,799 ( ) 1,351 (6,899) (3,042,845) (1,926,100) 111,559 149,395 ( ) (616) 19,013 695,147 (1,830,218) (16,693,020) (28,075,745) (60,521,919) (14,328,674) (20,170) (1,900) - 4,980,621 21,850,506 7,121,618 (64,415,855) (66,309,595) ( ) 3,081,652 (98,567,399) ( ) 814,244 (34,308,521) ( ) 1,846,780 (962,726) ( ) (1,808,072) 1,609,387 (115,865,854) (228,842,934) ( ) (95,749,414) 39,363,779 ( ) 43,915,846 (877,458) (122,782) (75,584) 18,981,450 7,038,305 ( ) (3,873,919) 4,055,674 144,476,496 114,708,320 475,361 668,149 89,628 367,112 108,192,666 165,248,297 (7,673,188) (63,594,637)

BANK F TAIWAN 103 102 (6,978,041) (65,424,855) ( ) 2,455,312 (56,577,305) 61,643,103 57,839,959 2,981,900 2,171,366 (36,298,512) (34,595,562) (945,840) (1,557,547) ( ) 29,835,963 (32,719,089) (584,279) (533,849) (368,425) (14,500) (270,751) (293,246) 4,526 313,013 (1,218,929) (528,582) 8,999,372 15,998,441 (378,844) (546,774) ( ) 513,256 (6,954,315) 陸 財務概況誠信 關懷 效率 穩健 89 (3,598,814) (4,767,120) 5,534,970 3,730,232 390,799 76,920 ( ) 34,542,803 (29,440,519) 874,221,019 903,661,538 $ 908,763,822 874,221,019 155,902,597 119,265,293 156,883,746 176,106,816 595,977,479 578,848,910 $ 908,763,822 874,221,019

深耕臺灣金融 邁向國際市場 ( ) 90 ( ) ( ) ( ) ( ) 80 30 50 500 1 3 6 10 20 40 80 120 160 220 320 480 530 450 700 950 163 1 8 1 ( ) 4 ( ) 20,000 ( ) ( )

( ) BANK F TAIWAN IFRSs ( ) ( ) 1 7 1 1 7 7 10 11 12 13 1 IASB 2010 7 1 2011 7 1 2013 1 1 2011 7 1 2013 1 1 2013 1 1 ( 2014 1 1 ) 2013 1 1 2013 1 1 2013 1 1 2012 7 1 陸 財務概況誠信 關懷 效率 穩健 91 12 19 27 32 20 2012 1 1 2013 1 1 2013 1 1 2014 1 1 2013 1 1 1. ( ) 90,331 90,331 792 792 2. 3.

深耕臺灣金融 邁向國際市場 ( ) 92 9 10 28 10 12 28 11 14 15 1 16 38 16 41 19 27 36 39 21 IASB 2018 1 1 2016 1 1 2016 1 1 2016 1 1 2016 1 1 2017 1 1 2016 1 1 2016 1 1 2016 1 1 2014 7 1 2016 1 1 2014 1 1 2014 1 1 2014 1 1 ( ) ( ) 1. ( ( ) ) 2. 103.12.31 102.12.31 ( ) ( ) 100% 100% -

BANK F TAIWAN ( ) 1. (1) ( ) (2) (3) (4) 2. ( ) 1. ( ) 2. 陸 財務概況誠信 關懷 效率 穩健 93 ( ) 7 ( ) 1. (1) A. B. C. ( )

深耕臺灣金融 邁向國際市場 94(2) (3) ( ) (4) (5) (6) (7)

BANK F TAIWAN 2. (1) A. B. C. ( ) (2) (3) (a) 37 (b) 3. 陸 財務概況誠信 關懷 效率 穩健 95 ( ) 20 20

深耕臺灣金融 邁向國際市場 ( ) 961. ( ) 2. 3. 4. ( ) 1. 2. (1) (2)

BANK F TAIWAN ( ) 1. 2. 3. ( ) ( ) 陸 財務概況誠信 關懷 效率 穩健 97 ( ) 1. (1) (2) (3) 2. 3. ( ) ( ) 1. 2.

深耕臺灣金融 邁向國際市場 3. 4. (1) (2) 5. 6. 7. ( ) 981. 2. (1) 41 1 ( ) 9 4 8.5 3 73 ( ) 6 (2) (3) ( ) (4) 3. (1) (2) 28 19 4. (1) (2) ( ) ( ) 1. 2.

BANK F TAIWAN ( ) ( ) ( ) ( ) ( ) ( ) ( ) 陸 財務概況誠信 關懷 效率 穩健 99 ( ) ( ) ( ) ( ) ( 4 2 1 50 ) ( ) ( )

深耕臺灣金融 邁向國際市場 ( ) 103.12.31 102.12.31 $ 12,048,866 11,037,948 10,613,947 7,496,928 7,240,754 5,047,909 125,954,966 95,193,896 44,064 488,612 $ 155,902,597 119,265,293 100103.12.31 102.12.31 $ 155,902,597 119,265,293 7 156,883,746 176,106,816 7 595,977,479 578,848,910 $ 908,763,822 874,221,019 ( ) 103.12.31 102.12.31 $ 118,420,159 146,102,729 (25,494) (16,955) 105,503,877 95,381,868 395,975 424,306 11,473,277-347,146,227 343,552,124 $ 582,914,021 585,444,072 1. 2. 60 4,940,792 5,584,031 3. ( ) ( ) 1. 103.12.31 102.12.31 $ 155,647,408 136,565,661 33,502,359 9,880,132 189,149,767 146,445,793 19,194,984 19,931,248 302,217 337,177 19,497,201 20,268,425 $ 208,646,968 166,714,218 2.

BANK F TAIWAN 3. 103.12.31 102.12.31 $ 23,778,638 34,295,502 619,935 672,990 7,457 7,366 10,198 9,826 10,365 62,480 985,292 1,671,209 1,997,506 4,992,770-1,820,278 126,012,149 90,662,116 2,225,868 2,371,124 11,211,115 5,879,101 11,893 10,383 397,589 9,400 21,430,734 3,307,325 48,782 66,593 391,012 590,261 (3,130) (5,294) 14,125 21,159 239 1,204 $ 189,149,767 146,445,793 4. 103.12.31 102.12.31 $ 19,194,984 19,931,248 302,217 337,177 $ 19,497,201 20,268,425 陸 財務概況誠信 關懷 效率 穩健 101 5. ( ) 103.12.31 102.12.31 $ 2,894,574 3,333,886 663,396,635 422,785,572 21,727,886 10,392,515 15,302,755 57,076,615 1,000,000 1,000,000 985,292 1,671,209 633,400 1,786,800 6,599,600 284,000 $ 712,540,142 498,330,597 ( ) 103.12.31 102.12.31 $ 25,613 5,443 103.12.31 102.12.31 $ 99,315 217,229 3,709 8,577 $ 103,024 225,806

深耕臺灣金融 邁向國際市場 103.12.31 102.12.31 $ (12,593) (26,820) (43,904) (130,454) (19,742) (41,405) 2,537 (13,107) (3,709) (8,577) 49,365 136,422 146,704 68,914 102( ) ( ) ( ) 103.12.31 102.12.31 $ - 2,301,508 1,746,077 3,811,822 210,486 60,121 $ 1,956,563 6,173,451 103.12.31 102.12.31 $ 449,425 349,417 28,032,845 18,687,286 1,053,653-8,044,877-437,353 - $ 38,018,153 19,036,703 ( ) 103.12.31 102.12.31 $ 786 1,252 992,445 1,075,027 22,148,817 25,627,282 893,620 986,181 16,822,797 13,233,037 258,923 212,742 2,544,902 2,924,231 4,777,703 13,194,113 11,826,581 17,478,404 7,150 2,176,345 ATM 1,753,987 1,632,809 50,899 2,124,901 779,766 2,428,698 62,858,376 83,095,022 288,187 815,986 $ 62,570,189 82,279,036

BANK F TAIWAN 79 14525 1.8005 ( ) 8,177,552 8,125,002 103.12.31 102.12.31 $ 22,148,817 25,627,282 53,150,559 54,369,103 $ 75,299,376 79,996,385 ( ) 103.12.31 102.12.31 $ 6,646,452 6,814,447 39,498,991 44,915,167 1,181,740 1,887,538 269,649,975 274,175,162 472,703 370,777 100,861,809 104,559,769 2,544 3,560 627,197,926 603,294,444 283,824,183 287,920,787 187,028,177 178,717,832 801,658,508 749,066,075 6,279,226 8,742,986 2,324,302,234 2,260,468,544 26,064,270 19,816,086 $ 2,298,237,964 2,240,652,458 陸 財務概況誠信 關懷 效率 穩健 103 103 102 $ 19,816,086 17,865,982 6,830,349 2,717,902 (2,946,129) (2,662,128) 2,248,621 1,978,382 115,343 (84,052) $ 26,064,270 19,816,086 ( ) $ 931,739 987,525 (82,833) (75,331) (525,345) (14,955) 17,529 20,085 29,088 14,415 $ 370,178 931,739 $ 26,434,448 20,747,825

深耕臺灣金融 邁向國際市場 103.12.31 102.12.31 $ 25,494 16,955 288,187 815,986 26,064,270 19,816,086 56,497 98,798 $ 26,434,448 20,747,825 103 102 $ 6,747,516 2,642,571 537,293 (17,527) $ 7,284,809 2,625,044 104 6,310,953 8,812,797 517,921 1,359,114 ( ) 103.12.31 102.12.31 $ 658,400,000 625,200,000 29,037,809 29,269,582 38,863,890 43,094,836 1,521,204 2,017,495 22,109,886 20,517,320 995,505 995,505 23,402,461 21,919,127 24,516,164 23,652,119 (1,154,117) (1,144,651) $ 797,692,802 765,521,333 ( ) 103.12.31 102.12.31 $ 11,422,573 6,406,850 8,527,671 7,770,770 3,405,511 9,260,435 8,990,254 14,432,630 14,244,765 8,015,510 46,590,774 45,886,195 20,941,060 18,825,135 7,940,683 6,993,548 1,900,180 1,339,850 30,781,923 27,158,533 $ 77,372,697 73,044,728

BANK F TAIWAN ( ) 103.12.31 102.12.31 ( ) 21.23 $ 30,558,945 21.23 28,800,466 ( ) 17.77 2,840,938 17.96 2,311,109 ( ) 91.86 2,193,752 91.86 2,328,632 ( ) 21.37 1,377,684 21.37 1,334,645 ( ) 30.00 18,798 30.00 17,189 $ 36,990,117 34,792,041 1. 103 102 ( ) $ 316,632 65,714 ( ) 192,334 (991,370) ( ) (31,905) 14,247 $ 477,061 (911,409) 2. 103.12.31 102.12.31 ( ) $ 6,863,133 6,863,133 ( ) 712,409 712,409 ( ) 1,377,872 1,377,872 ( ) 1,451,074 1,451,074 ( ) 3,793 3,793 $ 10,408,281 10,408,281 陸 財務概況誠信 關懷 效率 穩健 105 3. 103 102 ( ) $ 2,787,779 2,133,923 ( ) 311,844 61,873 ( ) (134,880) (64,853) ( ) 74,944 (206,563) ( ) 3,158 1,720 $ 3,042,845 1,926,100

深耕臺灣金融 邁向國際市場 106103.12.31 102.12.31 ( ) $ 2,259,950,882 2,164,728,571 ( ) 508,321,739 449,732,462 ( ) 3,449,340 3,491,444 ( ) 25,267,432 27,712,833 ( ) 102,061 98,783 ( ) 2,116,007,105 2,029,067,821 ( ) 492,334,469 436,864,370 ( ) 1,061,193 956,465 ( ) 18,059,450 20,706,907 ( ) 39,399 41,487 103 102 ( ) $ 38,817,038 35,522,079 ( ) 88,919,402 56,289,187 ( ) 5,713 6,626 ( ) 20,760,477 18,535,991 ( ) 70,841 52,695 ( ) 13,131,021 10,051,262 ( ) 1,813,584 477,304 ( ) (146,833) (70,600) ( ) 370,900 (950,941) ( ) 10,527 5,734 (1) 2,790,937 2,135,643 (2) ( ) (134,880) (64,853) (3) ( ) (4) ( ) 18.94 17.77 ( ) 103.12.31 102.12.31 $ 56,675,763 58,010,235 (33,467) (36,513) 1,015,013 1,536,129 10,786,413 10,779,313 (15,000) (12,426) 10,448 13,622 (105) (138) 31,726 69,811 (22,925) (62,147) 18,630 19,916 $ 68,466,496 70,317,802 1. 2. ( )

( ) BANK F TAIWAN 103 1 1 $ 86,562,506 14,662,152 6,276,260 1,070,087 994,110 658,653 229,748 110,453,516 173 2,437 251,744 19,531 31,390 1,626 277,378 584,279 (95,451) - (183,934) (37,463) (34,148) (685) - (351,681) - 18,162 143,355 4,994 5,484 24,205 (196,200) - - - 318 390 846 2,483-4,037 103 12 31 86,467,228 14,682,751 6,487,743 1,057,539 997,682 686,282 310,926 110,690,151 102 1 1 86,686,694 14,676,285 6,019,377 1,070,210 1,003,207 654,720 347,548 110,458,041 53,542 5,579 179,398 31,501 26,835 1,542 240,543 538,940 (177,730) (51,686) (223,482) (32,660) (38,629) (13,668) - (537,855) - 31,974 302,718 1,679 3,681 18,291 (358,343) - - - (1,751) (643) (984) (2,232) - (5,610) 102 12 31 86,562,506 14,662,152 6,276,260 1,070,087 994,110 658,653 229,748 110,453,516 103 1 1 13,699 5,962,884 4,622,047 877,387 802,478 580,875-12,859,370 362 294,772 457,585 43,907 36,547 35,396-868,569 - - (170,895) (36,842) (31,700) (685) - (240,122) - - 286 224 832 1,288-2,630 103 12 31 14,061 6,257,656 4,909,023 884,676 808,157 616,874-13,490,447 102 1 1 13,337 5,706,244 4,359,264 861,640 800,176 558,491-12,299,152 362 306,769 476,812 47,960 38,813 38,869-909,585 - (50,129) (212,195) (31,788) (35,690) (13,668) - (343,470) - - (1,834) (425) (821) (2,817) - (5,897) 102 12 31 13,699 5,962,884 4,622,047 877,387 802,478 580,875-12,859,370 103 1 1 $ 91,535 - - - - - - 91,535 (616) - - - - - - (616) 103 12 31 90,919 - - - - - - 90,919 102 1 1 72,522 - - - - - - 72,522 19,013 - - - - - - 19,013 102 12 31 91,535 - - - - - - 91,535 103 12 31 $ 86,362,248 8,425,095 1,578,720 172,863 189,525 69,408 310,926 97,108,785 102 1 1 $ 86,600,835 8,970,041 1,660,113 208,570 203,031 96,229 347,548 98,086,367 102 12 31 $ 86,457,272 8,699,268 1,654,213 192,700 191,632 77,778 229,748 97,502,611 陸 財務概況誠信 關懷 效率 穩健 107 81,907,570 82,013,151 34,307

深耕臺灣金融 邁向國際市場 ( ) 108 103 1 1 $ 2,374,902 271,031 103 12 31 $ 2,645,933 102 1 1 $ 2,080,836 294,066 102 12 31 $ 2,374,902 103 1 1 $ 1,326,877 377,639 103 12 31 $ 1,704,516 102 1 1 $ 916,731 410,146 102 12 31 $ 1,326,877 103 12 31 $ 941,417 102 1 1 $ 1,164,105 102 12 31 $ 1,048,025 ( ) 103.12.31 102.12.31 $ 1,076,959 1,241,449 8,772,943 6,384,472 10,000 10,000 504,979 136,554 188,832 649,641 849,303 806,222 1,000 812 $ 11,404,016 9,229,150 1. 103.12.31 102.12.31 $ 1,076,959 1,241,449 2. 103.12.31 102.12.31 $ 378,930 686,020 1,446 303 3,649,926 3,598,815 4,742,641 2,099,334 $ 8,772,943 6,384,472

BANK F TAIWAN 3. 103.12.31 102.12.31 $ 866,675 824,945 17,372 18,723 $ 849,303 806,222 103 102 ( ) $ 1,351 (6,899) ( ) 103 102 $ 1,248,612 1,242,365 46,421 22,823 (44,736) (3,810) - (16,497) 9,739 3,731 $ 1,260,036 1,248,612 103.12.31 102.12.31 $ 1,154,117 1,144,651 15,000 12,426 90,919 91,535 $ 1,260,036 1,248,612 陸 財務概況誠信 關懷 效率 穩健 109 ( ) 103.12.31 102.12.31 $ 11,041,140 10,618,857 37,780,561 30,707,975 1,263,357 1,673,695 2,066,604 2,725,028 104,837,168 207,012,689 $ 156,988,830 252,738,244 ( ) 1. 103.12.31 102.12.31 $ 14,846 67,076 16,160,553 3,932,420 16,175,399 3,999,496 32,303,400 - (563,457) - 31,739,943 - $ 47,915,342 3,999,496

深耕臺灣金融 邁向國際市場 2. 3. 103.12.31 102.12.31 $ 14,846 67,076 9,456 5,773 14,733,442 3,250,504 278,764 474,589 560,263 201,554 578,495-133 - $ 16,175,399 3,999,496 4. 110103.12.31 102.12.31 $ 32,303,400 - (563,457) - $ 31,739,943-15 4.8 103 -A 103 -B 103 -C 103/11/26 123/11/26 0% 1 103/11/26 133/11/26 0% 4.8 103/12/01 133/12/01 0% 4.4 103.12.31 102.12.31 $ 3,167,000-15,201,600-13,934,800 - (563,457) - $ 31,739,943-5. ( ) 103.12.31 102.12.31 $ 3,283,323 3,330,976 545,836,898 407,155,130 23,921,204 29,305,358 13,981,671 11,056,676 192,700-31,477,085 - $ 618,692,881 450,848,140

BANK F TAIWAN ( ) 103.12.31 102.12.31 $ 7,723,199 5,612,401 1,015,478 1,665,089 2,487,611 2,596,035 564,650 246,277 11,765,747 11,610,771 2,552,753 2,931,435 634,982 311,888 7,949 2,187 338,219 403,796 24 2,177,539 2,459,106 2,481,515 5,476,557 5,216,002 ATM 1,715,625 1,638,436 320,889 411,355 3,045,600 6,581,445 424,423 425,070 506,861 447,375 $ 41,039,673 44,758,616 ( ) 103.12.31 102.12.31 $ 34,679,592 32,035,415 227,835,069 201,810,162 338,415,763 322,486,540 588,825,757 500,792,178 2,901,582 617,218 699,193,320 703,153,584 23,964,049 23,686,085 1,012,102 1,074,974 358,167,407 406,070,125 818,933,212 759,703,496 460,153,869 458,175,449 $ 3,554,081,722 3,409,605,226 陸 財務概況誠信 關懷 效率 穩健 111 ( ) 102 103-102/12/2 112/12/2 0.15% 103/6/25 113/6/25 0.30% 103-103/6/27 113/6/27 1.70% 103.12.31 102.12.31 $ 16,000,000 16,000,000 5,500,000-2,000,000-103 - 103/6/27 113/6/27 0.15% 1,500,000 - (2,388) (1,760) $ 24,997,612 15,998,240

深耕臺灣金融 邁向國際市場 ( ) 103.12.31 102.12.31 $ 99,410 212,398 1,657,544 1,031,300 $ 1,756,954 1,243,698 ( ) 112103.12.31 102.12.31 $ 16,041,209 15,565,848 1,144,965 606,505 240,468,607 216,594,551 $ 257,654,781 232,766,904 ( ) 103.12.31 102.12.31 $ 8,059,808 7,657,890 7,746,881 7,650,766 234,520 233,404 $ 16,041,209 15,542,060 1. 103.12.31 102.12.31 $ 15,060,304 14,507,378 (6,910,165) (6,742,326) 8,150,139 7,765,052 (90,331) (107,162) $ 8,059,808 7,657,890 (1) ( ) 1,067,750 (2) 103 102 1 1 $ 14,507,378 13,895,584 (717,780) (489,010) 883,334 842,479 ( ) 387,372 258,325 12 31 $ 15,060,304 14,507,378

BANK F TAIWAN (3) 103 102 1 1 $ 6,742,326 6,380,952 724,524 790,110 (650,477) (509,391) 140,457 103,861 ( ) (46,665) (23,206) 12 31 $ 6,910,165 6,742,326 (4) 103 102 $ 584,712 624,094 298,622 218,385 16,831 16,831 (140,457) (103,861) 12 31 $ 759,708 755,449 (5) 103 102 1 1 $ (667,717) (386,186) (434,037) (281,531) 12 31 $ (1,101,754) (667,717) 陸 財務概況誠信 關懷 效率 穩健 113 (6) 103 102 2.16% 2.15% 2.16% 2.15% 2.00% 2.00% 843,433 (7) 103.12.31 102.12.31 101.12.31 101.1.1 $ 15,294,824 14,507,378 13,895,587 13,494,572 (6,910,165) (6,742,326) (6,380,952) (6,265,722) ( ) $ 8,384,659 7,765,052 7,514,635 7,228,850 $ 387,372 1,112,852 364,435 - $ 46,665 23,206 21,754 -

深耕臺灣金融 邁向國際市場 2. 19 (1) 103.12.31 102.12.31 $ 7,746,881 7,650,766 - - 7,746,881 7,650,766 - - ( ) $ 7,746,881 7,650,766 1,971,301 2,175,356 (2) 114103 102 4.00% 4.00% 2.00% 2.00% 1.00% 1.00% ( ) 50.00% 50.00% 3. (1) 103.12.31 102.12.31 $ 234,520 233,404 - - $ 234,520 233,404 4,790 3,161 ( ) 16,802 46,473 (2) 103 102 2.16% 2.15% 2.16% 2.15% 4. 6 1,408 1,330 ( ) 103.12.31 102.12.31 $ 2,265,707 2,030,029 3,619,667 3,998,511 43,807 188,315 8,239 8,239 1,264,803 1,266,345 $ 7,202,223 7,491,439

BANK F TAIWAN ( ) 1. ( ) 103 102 $ 1,248,477 1,379,799 ( ) (63,332) 49,824 $ 1,185,145 1,429,623 103 102 ( ) $ (7,547) 38,135 ( ) 103 102 $ 1,603,670 1,504,084 $ (57,391) 46,360 564,603 552,777 88,841 7,892 (1,076,611) (1,052,101) 62,033 370,611 $ 1,185,145 1,429,623 (1) 陸 財務概況誠信 關懷 效率 穩健 115 103 1 1 $ 237,929 3,875 241,804 65,150 95,472 160,622 (40,628) - (40,628) 103 12 31 $ 262,451 99,347 361,798 102 1 1 $ 206,935 124,160 331,095 (51,650) (120,285) (171,935) 82,644-82,644 102 12 31 $ 237,929 3,875 241,804 103 1 1 $ 18,155,012 144,645-18,299,657 ( ) (11,812) 13,709 95,393 97,290 - (48,175) - (48,175) 103 12 31 $ 18,143,200 110,179 95,393 18,348,772 102 1 1 $ 18,201,296 33,399 124,160 18,358,855 (46,284) 320 (124,160) (170,124) - 110,926-110,926 102 12 31 $ 18,155,012 144,645-18,299,657

深耕臺灣金融 邁向國際市場 2. 3. 103.12.31 102.12.31 $ 8,139,902 7,176,585 103.12.31 102.12.31 $ 710,355 548,795 116 7.64 7.79 10204562810 ( ) 1. 9,500,000 7,000,000 10 25,000,000 2,500,000 2. 3. 4. ( ) ( ) 103 1 1 $ (308,917) 21,833,905 21,524,988 582,615-582,615-1,382,878 1,382,878 103 12 31 $ 273,698 23,216,783 23,490,481 102 1 1 $ (363,405) 18,046,248 17,682,843 54,488-54,488-3,787,657 3,787,657 102 12 31 $ (308,917) 21,833,905 21,524,988

BANK F TAIWAN 5. (1) (2) (3) 30 (4) 20 40 ( ) 1010012865 25,893 43,083 (5) ( ) 103 102 $ 44,033,225 42,026,577 10,441,240 6,759,743 9,701,598 9,340,088 32,524 35,663 13,192 30,539 1,011,084 1,059,673 65,232,863 59,252,283 32,726,729 31,101,979 3,167,445 2,075,545 226,976 97,132 327,108 19,788 5,230 64,596-5,349 36,453,488 33,364,389 $ 28,779,375 25,887,894 陸 財務概況誠信 關懷 效率 穩健 117

深耕臺灣金融 邁向國際市場 ( ) 103 102 118 $ 890,149 823,598 132,300 130,498 318,826 290,368 890,098 983,651 139,149 162,597 3,650,253 3,484,895 6,020,775 5,875,607 89,190 90,110 12,891 12,361 102,357 126,877 377,728 370,652 582,166 600,000 $ 5,438,609 5,275,607 ( ) 103 102 $ 2,995,469 2,247,502 840,253 957,784 ( ) 6,101,140 4,351,628 9,936,862 7,556,914 5,977,969 6,590,692 $ 15,914,831 14,147,606 ( ) 103 102 $ 1,260,429 1,000,955 283,592 219,773 1,544,021 1,220,728 481,823 213,338 $ 1,062,198 1,007,390 ( ) 103 102 $ 20,948,956 20,863,143 140,485,498 133,856,424 12,946,954 15,696,251 (24,452,013) (26,426,619) (140,034,847) (133,425,788) (23,874,056) (21,922,128) (10,663,770) (10,820,906) 210,472 865,783 $ (24,432,806) (21,313,840)

BANK F TAIWAN ( ) 103 102 $ 10,194,310 10,106,307 544,850 495,832 782,029 800,787 202,520 159,698 $ 11,723,709 11,562,624 ( ) 103 102 $ 830,017 872,276 377,639 410,146 $ 1,207,656 1,282,422 ( ) 103 102 $ 2,828,823 1,766,522 691,253 665,543 837,189 810,767 206,928 207,199 231,256 222,332 165,896 175,971 399,413 391,580 295,561 303,130 388,489 298,683 62,158 52,130 296,978 286,109 $ 6,403,944 5,179,966 陸 財務概況誠信 關懷 效率 穩健 119 ( ) / 103 102 $ 9,433,353 8,248,208 8,847,551 7,417,928 9,500,000 9,500,000 9,500,000 9,500,000 ( ) $ 0.99 0.87 0.93 0.78

深耕臺灣金融 邁向國際市場 ( ) 120 $ 155,902,597 155,902,597 582,914,021 582,914,021 208,646,968 208,646,968 25,613 25,613 1,956,563 1,956,563 62,570,189 62,570,189 2,298,237,964 2,298,237,964 797,692,802 797,692,802 77,372,697 78,035,392 1,015,013 1,015,013 10,771,413 10,771,413 56,680,070 56,680,070 156,988,830 156,988,830 47,915,342 47,915,342 103,024 103,024 38,018,153 38,018,153 41,039,673 41,039,673 3,554,081,722 3,554,081,722 24,997,612 24,997,612 1,756,954 1,756,954 $ 119,265,293 119,265,293 585,444,072 585,444,072 166,714,218 166,714,218 765,521,333 765,521,333 5,443 5,443 6,173,451 6,173,451 82,279,036 82,279,036 2,240,652,458 2,240,652,458 73,044,728 73,675,942 1,536,129 1,536,129 10,766,887 10,766,887 58,014,786 58,014,786 252,738,244 252,738,244 3,999,496 3,999,496 225,806 225,806 19,036,703 19,036,703 44,758,616 44,758,616 3,409,605,226 3,409,605,226 15,998,240 15,998,240 1,243,698 1,243,698 ( ) 1.

BANK F TAIWAN 2. ( ) ( ) 3. (1) (2) 4. ( ) 5. 6. 7. ( ) Bloomberg ( ) ( Reuters ) 陸 財務概況誠信 關懷 效率 穩健 121 ( ) 1. 2. ( ) ( ) 3.

深耕臺灣金融 邁向國際市場 122 103.12.31 $ 185,360,067 140,802,360 44,557,707-165,862,866 139,536,970 26,325,896 74,683,461 74,683,461 - - 3,047,927 2,495,113 552,814-88,131,478 62,358,396 25,773,082-19,497,201 1,265,390 18,231,811-797,692,802 50,720,593 746,972,209 45,200,564 45,200,564 - - 89,848,129 3,265,349 86,582,780-662,644,109 2,254,680 660,389,429-31,739,943-31,739,943-31,739,943-31,739,943-23,286,901-23,286,901-25,613-25,613-16,175,399 9,112 16,166,287-103,024-103,024-102.12.31 $ 160,979,498 100,830,044 59,852,398 297,056 140,711,073 98,990,260 41,720,813 54,301,549 54,301,549 - - 3,319,365 2,699,988 619,377-83,090,159 41,988,723 41,101,436-20,268,425 1,839,784 18,131,585 297,056 765,521,333 49,180,396 716,340,937 43,866,637 43,866,637 - - 92,623,633 4,455,616 88,168,017-629,031,063 858,143 628,172,920-5,734,720-5,734,720-5,443-5,443-3,999,496 34,966 3,964,530-225,806-225,806 -

103.12.31 BANK F TAIWAN $ 297,056 744 18,900-316,700 - - - $ 297,056 744 18,900-316,700 - - - 102.12.31 $ 1,146,388 14,268 29,800-893,400 - - 297,056 202,900 1,525 825,927-208,778 821,574 - - $ 1,349,288 15,793 855,727-1,102,178 821,574-297,056 ( ) 0.01 : 102 12 31 $ 6 (6) - - - - 1 (1) 陸 財務概況誠信 關懷 效率 穩健 123

深耕臺灣金融 邁向國際市場 ( ) 1. 2. 3. 4. 5. ( ) 124 1. 2. 3. 4. 5. ( ) 1. 2. (1) (2)

BANK F TAIWAN A. 8 B. 5 7 5 3. (1) (2) (3) 4. 5. ( ) (1) 103.12.31 102.12.31 ( ) ( ) $ 126,259 96,311 86,974 62,903 582,940 129,894 585,461 146,103 69,832 67,301 67,424 61,832 797,691 110,148 765,519 110,741 26 26 5 5 1,957 1,957 6,173 6,173 51,481 27,940 86,203 58,437 2,324,302 2,197,992 2,260,469 2,141,316 27,527 17,168 15,376 12,623 74,802 27,432 70,418 23,183 $ 4,056,817 2,676,169 3,944,022 2,623,316 陸 財務概況誠信 關懷 效率 穩健 125 1. 6,279 2. ( ) (1) ( 29,948 ) (2) ( 453,046 ) (3) (1,996 ) (535 ) (4) (29,217 ) (658,326 ) (5) (1,392 ) (22,149 ) (6) (126,310 ) (7) (10,359 ) (8) (47,370 ) 3. 4.

深耕臺灣金融 邁向國際市場 1. 8,743 2. ( ) (1) ( 24,071 ) (2) ( 439,358 ) (3) (602 ) (4,989 ) (4) (29,508 ) (625,270 ) (5) (2,139 ) (25,627 ) (6) (119,153 ) (7) (2,754 ) (8) (47,235 ) 3. 4. 126(2) 103.12.31 102.12.31 ( ) ( ) ( ) $ 453,152 22,612 483,971 93,801 29,146 28,308 32,738 32,362 83,522 83,522 83,280 83,276 $ 565,820 134,442 599,989 209,439 1. (1) 430,540 (2) 838 2. 1. (1) 390,170 (2) 376 (3) 4 2. 6.

BANK F TAIWAN (1) 103.12.31 102.12.31 ( ) ( ) $ 1,097,493 31.71% 1,058,076 31.48% 827,607 23.91% 785,104 23.36% 390,431 11.28% 426,103 12.68% 403,944 11.67% 367,730 10.94% 117,160 3.39% 144,634 4.30% 126,265 3.65% 124,170 3.69% 497,826 14.39% 455,341 13.55% $ 3,460,726 100.00% 3,361,158 100.00% 1. ( 2,324,302 ) ( 214,731 ) ( 921,693 ) ( ) ( ( 6,279 ), 2. 1. ( 2,260,469 ) ( 209,006 ) ( 891,683 ) 8,743, 2. 陸 財務概況誠信 關懷 效率 穩健 127 (2) 103.12.31 102.12.31 ( ) ( ) $ 3,080,445 89.01% 3,007,243 89.47% 380,281 10.99% 353,915 10.53% $ 3,460,726 100.00% 3,361,158 100.00% 1. ( 2,324,302 ) ( 214,731 ) ( 921,693 ) 6,279, 2. 1. ( 2,260,469 ) ( 209,006 ) ( 891,683 ) 8,743, 2.

深耕臺灣金融 邁向國際市場 (3) 103.12.31 102.12.31 ( 1) ( 1) $ 1,011,065 43.50% 995,040 44.02% 1,313,237 56.50% 1,265,429 55.98% ( ) 164,527 7.08% 165,852 7.34% 97,631 4.20% 104,255 4.61% 967,901 41.64% 915,951 40.52% 82,895 3.57% 79,041 3.50% 283 0.01% 330 0.01% $ 2,324,302 100.00% 2,260,469 100.00% 128 1. ( ) ( ) ( 6,279 8,743 ) 2. A. 103 12 31 (A) (C) (B) (A)+(B)+(C) (D) (A)+(B)+(C)-(D) 156,611 93,939 111,819 490,966 504 853,839 26,495 12,268 892,602 3,633 4,599 884,370 1,032,090 5,304,400 2,082,512 1,344,716 652,646 10,416,364 185,991 10,602,355 88,779 78,725 10,434,851 227,360,664 1,168,514,290 458,759,655 296,229,628 143,772,428 2,294,636,665 29,665,569 2,324,302,234 9,810,913 16,253,357 2,298,237,964 102 12 31 (A) (C) (B) (A)+(B)+(C) (D) (A)+(B)+(C)-(D) 136,076 82,960 104,677 538,468 638 862,819 27,169 6,751 896,739 3,595 832 892,312 824,418 4,250,300 1,644,828 1,318,754 557,091 8,595,391 284,199 8,879,590 111,212 161,494 8,606,884 213,073,655 1,098,504,465 425,111,425 340,836,311 143,981,970 2,221,507,826 38,960,718 2,260,468,544 8,294,687 11,521,399 2,240,652,458 B. 103 12 31 126,310,471 231,728,326 - - - 358,038,797 11,550,000 12,942,443 23,291,330 2,025,006 206,289 50,015,068 85,333,668 115,397,430 365,813,377 266,035,922 21,774,952 854,355,349-782,888,924 6,377,570-29,946,898 819,213,392 4,166,525 25,557,167 63,277,378 28,168,700 91,844,289 213,014,059 227,360,664 1,168,514,290 458,759,655 296,229,628 143,772,428 2,294,636,665 102 12 31 119,152,825 205,285,759 - - - 324,438,584 11,740,000 9,125,920 25,096,598 5,356,268 337,394 51,656,180 79,084,248 121,692,224 345,635,947 311,516,989 21,198,461 879,127,869-739,591,313 6,795,765-29,997,043 776,384,121 3,096,582 22,809,249 47,583,115 23,963,054 92,449,072 189,901,072 213,073,655 1,098,504,465 425,111,425 340,836,311 143,981,970 2,221,507,826