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2 5 13 13 17 30 64 65 66 67 68 68 73 77 78 78 99 100 112 115 115 119 121 124 124 132 136 137 137 137 138 138 138 139 103 139 103 139 139 155 155 156 156 10310451 166 10310451 166 166 10310451 167 168 1

10310311 (QE)103 ()103 ()()() 394() ()We are family (1) ()10311 () (2) ()102()(The Tokyo Star Bank, Ltd.)10365100% () (3) ()1031112 103 () 99% 1%103()452 18.69% 2

()103 12210022 () () (Moody's) A3 103.6.18 (Standard & Poor's) BBB A3 103.7.22 (Fitch) A F1 : a 103.10.6 (Taiwan Ratings) twaa twa1+ 103.7.22 (Fitch) AA+ (twn) F1+ (twn) : a 103.10.6 104 () ()104 ()104 (1) (2) (3) (4) (5) () (1) (2) (3) (4) (5) (6) (7) () (1) 3

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()91517 () 1. ()()91517 15,000()()()() ()()()()() ()()()()()() ()()() 147100 11 We are family 2014 2014 2014Top 50 (Corporate Governance Asia) Asian Excellence Recognition Awards 2014 (Asia's Best CEO (Investor Relations)Daniel Wu) (Asia's Best CFO (Investor Relations) Rachael Kao) (Best Corporate Communications Team) (Best CSR) (Best Investor Relations by Company in Taiwan) 2014(10th Corporate Governance Asia Recognition Awards 2014 Asia's Icon) Asian Corporate Director Recognition Awards 2014 (Daniel Wu 5th Asian Corporate Director Recognition Awards 2014) Asian Company Secretary of the Year 2014 2014(Roger Kao 2nd Asian Company Secretary of the Year 2014) 5

(The Asset) (Platinum Award for AllRound Excellence in Financial Performance, Management, Corporate Governance, Social Responsibility, Environmental Responsibility and Investor Relations) (Asiamoney) Asiamoney Corporate Governance Poll 2014 (Ranking #1 of Best Companies in Asia for Corporate Governance) (Ranking #1 Best for Disclosure and Transparency in Asia) (Ranking #1 Best for Responsibilities of Management and the Board of Directors in Asia) (Ranking #1 Best for Shareholders' Rights and Equitable Treatment in Asia) (Ranking #1 Best for Investor Relations in Asia) (Ranking # 1 Best for Corporate Social Responsibility in Taiwan) (Ranking #1 Best Overall for Corporate Governance in Taiwan) (Ranking #1 Best for Disclosure and Transparency in Taiwan) (Ranking #1 Best for Responsibilities of Management and the Board of Directors in Taiwan) (Ranking #1 Best for Shareholders' Rights and Equitable Treatment in Taiwan) (Ranking #1 Best for Investor Relations in Taiwan) (Ranking # 1 Best for Corporate Social Responsibility in Taiwan) (FinanceAsia) Asia's Best Managed Companies Poll (Best Managed Company) (Best Corporate Governance) (Best CSR) (Best Investor Relations) (Best Committed to a Strong Dividend Policy) (Best CEODaniel Wu) (Best CFORachael Kao) (Best Managed Companies 2014 : Asia's Best Financial Institutions) 6

2. ()55 (OBU) 9212937965 97426() 1021220(Tokyo Star Bank) 10365100%103147 1036100(ATM)5,403 2.423.24 2014 2014 (Trusted Brand) 30201430Young 2014 2014 Top10 2014 103 20142014 50 7

(Euromoney) (Best Private Bank in Taiwan) (The Asian Banker) (Best Retail Bank in Taiwan) (Best Trade Finance Bank in Taiwan) (Best Internet Banking Initiative in Taiwan) (Best Wealth Management Business in Taiwan) (The Asset) (Best Trade Finance Bank in Taiwan) (Best Cash Management Bank in Taiwan) (Best Risk Management Bank in Taiwan) (Best Domestic Custodian Bank in Taiwan) (Best Wealth Manager, Taiwan) (Best FX Derivatives House, Taiwan) (Best Domestic Bank in Taiwan) (Best Debt House, Taiwan) (The Banker) 205(#205 of Top 1000 World Banks 2014) (The Banker) & Professional Wealth Management (Best Private Bank in Taiwan) (Global Finance) (Best Foreign Exchange Bank in Taiwan) (Best Trade Finance Bank in Taiwan) (Best Emerging Market Bank in Taiwan) (Asiamoney) (Best Local Currency Cash Management Services voted by Financial Institutions) (Best Domestic Bank in Taiwan) (Best Local/Domestic FX Bank in Taiwan as voted by Corporates) (Best Local Cash Management Bank in Taiwan as voted by Corporates) (FinanceAsia) (#3 for Best Managed Company) (#3 for Best Corporate Governance) (#3 for Best CSR) (#3 for Best Investor Relations) 8

(#3 for Best Committed to a Strong Dividend Policy) (Best Private Bank in Taiwan) (Global Trade Review) (Best Trade Finance Bank in Taiwan) (IFR Asia) (Taiwan Loan House) (The Corporate Treasurer) (Best Trade Finance House in Taiwan) (Financial World) SAR/ESO(Innovation or Enhancement in Product or Proposition Design Investments, Pensions & ProtectionSAR/ESO Global Execution Platform Service) CEPI (Credit Card Product of the Year, Taiwan) (Yazhou Zhoukan) 300(The prestigious award from among the top 300 Asian banks) 2014(Asia Excellence Brand Award 2014) MILSTE (Best Retail Bank in Taiwan) (Best Retail Risk Management in Taiwan) () ( Best Data Analytics Project in Taiwan) Institutional Investor(IIChina.com) (Taiwan Banking & Securities Awards) (Moody's) A2 Prime1 103.6.18 (Standard & Poor's) A A2 103.7.22 (Fitch) A F1 : a : 3 103.10.6 (Taiwan Ratings) twaa+ twa1+ 103.7.22 : a (Fitch) AA+(twn) F1+(twn) : 3 103.10.6 9

3. 78 2893591 925098 53.6 (Onestop Shopping)AP iphoneandroid A F1 (Fitch) AA+(twn) F1+(twn) 103.10.6 4. 85291 5. 923 6. 925 10

1014 7. 849412 322 8. 95718 1031111212 31 20027 9. 1003 (MetLife, Inc.)100%1011 1027() 10311 1021227CG6008 11

(Fitch) A AA+(twn) 103.10.6 10. 1011198.6%1021 ()61.4%100% 12

13 () () 10451

() 1. (1) (2) () (3) (4) (5) 2. (1) (2) (3) (4) (5) 14

(6) (7) (8) 15

() 10451 100% CTBC Bank Corp. (Canada) 2,312 699,219 99% PT Bank CTBC Indonesia 1 1,691,023 100% 100% 100% 9,109,278 100,412,356 5,000 109,253 50,000 500,000 99.6% 100% 100% 100% CTBC Bank (Philippines) Corp. 246,496 2,174,497 CTBC Capital Corp. 6 22,808,844 ()() 50,000 223,050 The Tokyo Star Bank,Ltd. 700 15,665,085 100% 100% 100% 100% CTBC Bank Corp. (USA) 3 100 USD404,341 TSB Capital, Ltd. 1,936 JPY4,626,162 TSB Servicer, Ltd. 0.4 JPY367,500 Tokyo Star Business Finance,Ltd. 5 JPY250,000 100% 4,770 58,839 100% 1,150,574 21,981,509 100% 535,882 5,358,820 100% CTBC International Co., Limited. 70,000 2,099,150 100% () 1,458,660 100% 36,000 681,488 100% 400,000 4,000,000 100% 100% CTBC Capital International Corporation Limited 2,060 61,797 () USD 2,000 99.9076% 535,219 6,132,933 100% 100% CTBC (Mauritius) Holding Co., Ltd. 11,113 387,000 CTBC Asia Limited 86,679 USD 11,113 104331CTBC International Co., Limited2,000 CTBC International Co., Limited 16

() 1.() 10451 () () (2) 103.6.20 3 90.6.29 71,296,370 0.48% 73,934,074 0.48% 78,163,319 0.51% () () () () () () () () () () () () () 103.6.20 3 100.6.10 40,670,079 0.28% 52,544,686 0.34% () () () () 103.6.20 3 100.6.10 1,422,857 0.01% 1,475,497 0.01% 237,082 0.00% () () () () CTBC Capital Corp. CTBC Bank Corp.(USA) () 17

() () (2) 103.6.20 3 100.6.10 40,670,079 0.28% 52,544,686 0.34% 1,111,099 0.01% CTBC Bank Corp. () () (USA) () () () () () 104.1.27 3 104.1.27 36,816,421 0.25% 38,178,493 0.25% 2,095,324 0.01% () () () () (3) () 103.6.20 3 97.6.13 () () () () () () () () () () () 18

() () (2) 103.6.20 3 98.6.26 () () 103.6.20 3 100.6.10 1,296 0.00% EMBA () () () 19

() () (2) 103.6.20 3 103.6.20 () 1 2510362010661998626 3()104127 104127106619 20

2. 10451 (37.61%) (29.25%) (8.96%) (8.96%) (8.66%) (3.58%) (1.49%) (1.19%) (0.30%) (100%) (100%) (100%) 3. (67.57%) (22.86%) (9.43%) (0.14%) (73.31%) (20.25%) (3.49%) (1.85%) (1.00%) (0.07%) (0.01%) (0.01%) (0.01%) (100%) (100%) 10451 21

4.() 10451 () 1 2 3 4 5 6 7 8 9 10 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 0 V V V 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 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 22

() 10451 () 99.3.18/ 4,015,422 0.03% 4,415,702 0.03% 100.1.26/ 104.1.27 CTBC Capital Corp. CTBC Asia Limited 102.11.27 6,875,571 0.05% CT Opportunity Investment Company CTBC (Mauritius) Holding Co., Ltd. CTBC Bank (Indonesia) CTBC Bank Corp. (USA) 102.1.29 3,112,283 0.02% 70,000 0.00% 102.6.28 18,704 0.00% C T B C I n t e r n a t i o n a l C o., Limited 23

() 101.4.26 158,949 0.00% 4,390,101 0.03% CTBC Bank(USA) CTBC Capital Corp. CT Opportunity Investment Company 103.10.23 20,739 0.00% Tokyo Star Bank 102.10.2 518,501 0.00% 103.4.7 297,031 0.00% 100.8.24 132,850 0.00% 102.5.1 416,227 0.00% 101.1.1 404,578 0.00% 100.8.1 203,337 0.00% 97.7.1 331,457 0.00% 24

()103 1.() ABCD ABCD EFG (A) (B) (F) (G) (C) (D) (E) () 42,790 42,790 0.11% 0.11% 0.11% 0.11% () 42,790 42,790 0.11% 0.11% 0.11% 0.11% () 42,790 42,790 0.11% 0.11% 0.11% 0.11% () 42,790 42,790 0.11% 0.11% 0.11% 0.11% () 42,790 42,790 0.11% 0.11% 0.11% 0.11% 25

ABCD ABCD EFG (A) (B) (F) (G) (C) (D) (E) (1) () (2) () (3) () (4) () (5) () (6) () (7) 90,959 202,344 108 216 5,632 10,008 0.25% 0.54% 1,549 3,098 0.25% 0.55% () (8) () () (9) (10) 1 10310311~103619 2 103103620~1031231 3 10310311~103619 4 103103620~1031231 5 10310311~103619 6 103103620~1031231 7 10310311~103619 8 103103620~1031231 9 10310311~103619 26

10 103103620 ~1031231 11 04,515 12 3,017 3,017 13 2. (A+B+C+D) (A+B+C+D+E+F+G) 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 10 10 3. ABCD (A) (B) (C) (D) () (1) 39,144 87,523 892 4,821 34,494 160,529 7,397 7,804 0. 21% 0.66% (2) 11031031023~1031231 210310347~1031231 30 4 27

4. 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 5. (%) 7,397 7,397 0.02% 1031231 10310,697 28

6. (1)103 1031231 9,450 10310,697 (2)102 1025,541 1021231 5,541 7.() 103 690,293(1031.75 %) 103102626,11510.25%103 10283.37% 8. 29

(Stock appreciation right) () 1.1038(A) (10311103619) () B ()(%) (B/A) 8 100.00% () 7 1 87.50% () 7 1 87.50% () 8 100.00% 8 100.00% () 8 100.00% 7 1 87.50% 8 100.00% 8 100.00% 2. 1038(A) (1036201031231) () B ()(%) (B/A) () 8 100.00% () 6 2 75.00% () 7 1 87.50% 8 100.00% () 8 100.00% 7 1 87.50% 8 100.00% 8 100.00% 8 100.00% 143 30

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() 1. 中國信託金融控股公司內部控制制度聲明書 103111031231 () () () () 1043 31 46

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102 103 ( ) 1. 102 102.3.22 328 2. 2 114 102.3.28 1859 102517 3 <102.4.3 1021801321> 51

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102 103 (3) (3) (3) (3) 1() 81 1491 (4) 101.7.31 14831 51 17114 60 ( )<102.6.19 10202543531> (4) ( ) 1372176 23 14832 617 171 15 60 (4) 14673 2 7 1 4 9 1 < 103.1.20. 10302540682> 102.6.26 102.1.1 (4) 102 58

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102 103 ( ) 1 0 1 903,600,860 15,000 87,197,483 102.4.15 10211 11431 15,000<102.4.22. A1115102100733 > 60

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() 1.103 1.102 2.102 3. 4. 5. 6.5() 2.10310451 103924103 115 (1) 103122447 Tokyo Star Bank() 1501025 Tokyo Star Bank () 1501025 (2) 103227448 102 (3) 103328449 102 5,443,254,630544,325,463 10 (4) 103425451 103 102 (5) 103430452 103613 (6) 10362051 103103715 (7) 10382052 103 62

(8) 10382953 19.99% 103102103924 (9) 103102356 () 31,000,000(3,100,000)102 36,000,000 104 2,000 (10) 10412759 104 104 (11) 104331512 104 (12) 104414514 104 (13) 104424515 103 12,358,397,9801,235,839,898 10 () () 10310451( ) 95.11.27 103.1.1 63

() 85 1,174 0 80 0 240 320 50 100 5 () 1. 104331 () 103102 2. 104331 3. 64

65 () () 103 10451 () () () () () 2,637,704 35,000,000 (7,500,000) (103.6.20) 2,787,491 (13,500,000) 11,874,607 16,300,000 11,874,607 16,300,000 46,061 (420,000) 52,640 8,458 1,362,072 (104.1.27) (104.1.27) 66,854 221,421 (103.6.20) 143,255 1,500,000 251,360 (590,000)

() 66,854 (104.1.27) 18,498 5,670 (2,612,000) 7,089 (310,000) 118,170 (800,000) 5,096 (50,000) 11,825 (20,000) 14,849 739 10,597 (103.4.7) (103.1.1) (40,000) 103 () (367,000) 10451 () 221,421 (50,000) () : 10311~103619103620~1031231 ()() ()() 10451 (3) 1 742,613,922 4.87% 2 (4) 598,577,690 3.92% 3 479,032,253 3.14% 66

4 5 () (3) 434,491,774 2.85% 388,749,986 2.55% () 6 326,536,706 2.14% 7 272,315,691 1.78% 8 268,814,322 1.76% 9 261,347,620 1.71% 10 () 237,998,219 1.56% 1 2 3 4 10451 () () 9,109,278 100.00% 9,109,278 100.00% () 535,219 99.9076% 535,219 99.9076% () 5,000 100.00% 5,000 100.00% () 400,000 100.00% 400,000 100.00% () 535,882 100.00% 535,882 100.00% () 4,770 100.00% 4,770 100.00% () 50,000 100.00% 50,000 100.00% () 1,150,574 100.00% 1,150,574 100.00% () 36,000 100.00% 36,000 100.00% 36 67

() 10451 1039 10 18,000,000 180,000,000 15,257,281 152,572,815 5,443,255 1 1103.8.261030031563 10451 15,257,281 2,742,719 18,000,000 () 10451 7 107 766 1,550 326,839 329,269 1,048 1,759,878,488 2,319,994,704 7,238,854,388 3,938,552,834 15,257,281,462 0.00% 11.53% 15.21% 47.45% 25.81% 100.00% () 10 10451 1 999 145,285 32,396,018 0.21% 1,001 10,000 130,998 463,873,089 3.04% 10,001 20,000 24,272 343,126,843 2.25% 20,001 30,000 8,975 218,212,751 1.43% 30,001 50,000 8,008 307,233,320 2.02% 50,001 100,000 5,934 410,898,955 2.69% 100,001 200,000 2,799 381,633,407 2.50% 200,001 400,000 1,333 367,181,370 2.41% 400,001 600,000 463 226,456,959 1.48% 600,001 800,000 225 155,823,640 1.02% 800,001 1,000,000 107 95,012,444 0.62% 1,000,001 1,200,000 104 113,945,556 0.75% 1,200,001 1,400,000 67 86,269,529 0.57% 1,400,001 1,600,000 65 97,030,518 0.64% 1,600,001 1,800,000 55 93,339,374 0.61% 1,800,001 2,000,000 34 64,479,879 0.42% 2,000,001 545 11,800,367,810 77.34% 329,269 15,257,281,462 100.00% 68

() 10 10451 (1) 742,613,922 4.87% (2) 598,577,690 3.92% 479,032,253 3.14% () 434,491,774 2.85% 388,749,986 2.55% () 326,536,706 2.14% 272,315,691 1.78% 268,814,322 1.76% 261,347,620 1.71% () 237,998,219 1.56% 1 2 () 10451 (83.11%) () (7.52%) (3.25%) (0.88%) (0.28%) (0.15%) (0.11%) (0.11%) (0.05%) (0.05%) (0.05%) (0.05%) (100%) Eagleright Management Co.,Ltd. (95.24%) (4.76%) 69

() (1) 102 103 10451 20.35 22.15 24.80(6) 19.62 21.36 16.45 17.95 19.90(6) 14.83 17.31 18.64 20.14 21.44(6) 16.80 19.42 13.10 15.03 15.67(7) 12.27 (2) 14,847,879 15,256,727 15,257,281(7) (1) (1) 1.50 2.58 0.64(7) 1.45 (2) 0.38 (2) 0.37 (2) 0.36996335 (2) (2) (3) 11.59 (2) (4) 45.41 (2) (5) 2.20% (2) 1 2 3()() 4()() 5()() 610451104430 7104331 () 1. 0.1 70

2.(104) (1) 10324,716,796 0.810.811.62 (2) () ()(104)104 () 1. 2. 3. (1) 12,496249,929 (2) 00% (3) 97 (4) A. 10310,697213,9501,799 35,979 B. C. 104 71

4.102 (102) () 1. (1) (2) (3) 2. 5,541 110,829 5,539 110,780 2 49 103 () 10451 1() 103.2 19.7 1,457 28,703 102.12.31 147.19% 102.12.31 147.16% 1,457(1) (%) (2) (2) 11037 2 72

() 1. 10451 101 () (1) 101220 1 (2) 120AB A96B 24 A1.66% B1.80% A101220108 220 B101220111 220 120 () 103106A+(twn) () () 73

101 1() 2 2. 3. 4. 5. 6. () () 10451 () 94111 () 94111 8,924,180 74

() 94111 1. 2. 3. 4. 446,209(8,924,180) 103 10451 75

() () () 1.10310451 (1) 102731 ()10311 7.28.4 1.2 122 2. (1) 100328 1.8 (2) 10183098.6% 4.66102327 1.4% 101713 4.6698.6% (3) 1021031(Tokyo Star Bank) 52098.16%1021220 10212261.84% 9.7529.7(158.9) 76

520 3.10310451 () () 77

() 1. (1) (2) (3) % 40,042 99.44 227 0.56 40,269 100.00 (4) () 2. (1) A. a. b. B. a. b. () C. 78

a. () b. (2) % 27,565 31.46 (2) 32,951 37.59 9,118 10.40 (3) 18,016 20.55 87,650 100.00 1 2 3148 (3) () 3. (1) A. B. C. D. E. F. () G. H. () 79

I. (2) % 434 37.97 128 11.19 531 46.50 49 4.34 1,142 100.00 (3) () 4. (1) (2) % 167 1.70 9,670 98.30 9,837 100.00 (3) () 5. (1) (2) 1032612.48 215 2156628.76 66%18.9334%9.83 80

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(2) % 73 35.79 131 64.21 204 100.00 (3) () 8. (1) (2) % 2,263 100.00 2,263 100.00 (3) () 9. (1) (2) % 110,894 85.72 3,449 2.67 335 0.26 14,688 11.35 129,366 100.00 (3) () 10. (1) 10312 338 82

(2) % 113 98.26 2 1.74 115 100.00 (3) () () 104 1. (1) (2) (3) (4) (5) 2. (1) A. B. C. D. (Financial Hub) E. a. b. c. F. G. H. I. 24 83

(2) A. a. b. c. d. B. a. b. C. a. b.// c. d. D. a. (Total Solution) b. c. d. (3) A. B. C. D. E. 3. A. B. C. D. 84

E. F. G. H. () I. 3.0 4. (1) (2) (3) (One Stop Services) (4) 85

5. (1) () (2) (3) 6. 104 (1) 104 (2) (3) 3 104 10610 86

7. (1) (2) (3) (4) 8. 104 (1) ~ (2) (3) (4) 9. (1) (2) A. B. C. D. E. (3) We are family 87

(4) (5) 10. 104 1~2 (1) (2) (3) (4) (5) () 1. 2. 103 (QE) 4 103 103 3.74%2.96% 88

(PCE)B2C(business to customer) C2C(customer to customer)p2p(peer to peer ) 3. 103 () 10310219.617.6%10323.04 103 9,307.268.08%140.388.34% 7.12%4.76%1032,697.36 1022,413.7211.75%77.0410271.4 7.9% 10321.81102 3.4%1.7410220.8% AppleiPhone103GDP3.43% 1022.23%104GDP3.5% 103103 312.56102203.9753.23%10312771023 4. (1) A. B. C. (2) A. B. C. D. E. F. 89

(3) A. B. /.. C. D. E. 5. Global Venture Capital Insights101 1024855,753101 2% 10210130% 103IPO 1031,206(IPO)2,56510235%50% 103GDP3% IPO / IPO 6. (1) 90961,800 97981,211991001,060101541102 93103157.61,8009% (2) 9280,9211031120,637 25,000 (3) 7033 98102 90

2 1033 98~10354.2%30% 7. (1) A. B. (2) A. B. 8. 96103 9. 1031.17 103 103 (OIU) 10. 103830.42%219748 736567 301103103116,7593 24.8%34,011 2,1232,700 10312132.06205.7338 225199% 91

() 1. 1021,10410328814 2. (1) A. a. b. c. d. e. f. g. h. / i. ATM(URemit ATM) B. a. b. c. a. b. 92

a. b. c. (Recyle ATM) a. b. c. ( ) d. C. a. (pockii) b. APPAPPQR code (2) A. a. (Financial Hub) b. c. d. B. a. b. c. /// d. (ATM/Web/Mobile)Bank 3.0 C. a. / b. 93

3. (1) A. 103104 B. 101101102 102 C. 102() (2) A. B. C. 104 (Convertible Bond Asset Swap;CBAS)2015 (Offshore Securities Unit:OSU) (API)Oracle (XQ) (APT) ISP 4. (1) A. B. C. D. E. 94

(2) A. B. C. D. E. F. 5. (1) (2) (3) 6. 7. 8. (1) A. B. 95

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D. E. 5. (1) ()104 (2) A. B. C. 6. (1) ()104 (2) A. B. 7. (1) ()104 (2) A. B. C. 8. (1) ()104 (2) 9. (1) ()104 (2) 98

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101 () ()() () () () 1. (1) (2) 10311 (QE) 100

2. (1) A. (QE)103 B. 103104 Bank 3.0 C. B2C(business to customer)c2c(customer to customer) P2P(peer to peer ) (2) A. 10% GDP 10% (/) 101

B. 103104 1043.38% C. Z(1991~) 3. (1) 86221 10312121 GDRECB 20 (2) 103 10010 103 102

85%104 3.0 4. (1) (2) A. /.. B. 5. (1) () 102 62132.03 100 (2) TMT(Technology MediaTelecom) O2O(Online To Offline) 16Google Ventures103 (Big Data) 6. (1) A. 103100.30% 97 1023 103

103 3157.690~971,891.6 91.7% B. 952013 10331055 1036 1,3501021,02632431.6%26,000 10221,0005,00023.8%2 2510,30019.8%39.6% 1238,20018.8%31.5% 1,20210288032236.6%89%7,500102 5,5002,00036.4%28.9%(100) (2) A. B. 7. (1) 8.5 (2) 104

8. (1) (2) ()1031,300 9. (1) 28 103 (2) 1037(DRGs) 237 () 10. (1) 103532,011 ()14 745155706228 (2) 105

102117,460 () 1. 2. 3. 4. 5. 6. 7. 8. 9. IT 10. 11. 12. 13. 14. 15. () 1. (1) A. We are family B. (IFRS) (Basel II)Basel III 148103394 106

(2) A. B. 2. (1) A. a. b. () c. d. e. f. (Asialink) B. 104 C. EZTABLEGOMAJIiCHEF (2) A. a. b. (Volcker Rule)(Dodd Frank Act)(FATCA)(AML) 107

(KYC) c. (Basel III) B. (KYC) C. 3. (1) A. B. C. D. E. F. G. 3.0 (2) A. B. C. 108

4. (1) A. B. C. D. E. F. (2) A. B. 5. (1) A. 1031013 100 B. C. 103 829 (2) A. 109

B. 6. (1) (2) A. B. C. 7. (1) A. B. C. (2) A. B. 1310410.0% 12% C. 8. (1) A. a.80%(18)1,200 b.1035,750 B. a. b. 110

(2) A. B.60% 9. (1) A. B. C. (2) 10. (1) A. B. RQFII (2) A. B. C. 111

() (1) 102.12.31 103.12.31 104.5.1 26 30 28 41.42 39.50 40.32 2.88 2.72 3.04 20 76.92% 21 70.00% 20 71.43% 6 23.08% 9 30.00% 8 28.57% 10,264 10,248 10,070 36.48 37.41 37.51 8.62 8.99 9.16 7 0.07% 11 0.11% 13 0.13% 1,933 18.83% 2,138 20.86% 2,139 21.24% 7,453 72.61% 7,221 70.46% 7,045 69.97% 836 8.15% 801 7.82% 793 7.87% 35 0.34% 77 0.75% 80 0.79% 420 461 470 38.64 38.66 38.61 7.05 6.62 6.46 91 21.67% 104 22.56% 97 20.64% 297 70.71% 318 68.98% 332 70.64% 32 7.62% 39 8.46% 41 8.72% 46 238 215 38.02 39.71 40.54 3.81 4.15 4.48 3 6.52% 10 4.20% 6 2.79% 40 86.96% 149 62.61% 138 64.19% 3 6.52% 78 32.77% 70 32.56% 0 0% 1 0.42% 1 0.47% 21 26 26 38.98 37.96 37.77 1.65 2 2.25 112

102.12.31 103.12.31 104.5.1 17 80.95% 22 84.62% 23 88.46% 3 14.29% 4 15.38% 3 11.54% 1 4.76% 0 0% 0 0% 303 322 324 39.5 38.7 39.4 7.5 6.6 6.2 3 0.99% 2 0.62% 2 0.62% 135 44.55% 149 46.27% 153 47.22% 163 53.80% 169 52.49% 167 51.54% 2 0.66% 2 0.62% 2 0.62% 175 184 188 37.60 37.78 38.02 5.62 6.07 6.26 1 0.57% 1 0.54% 1 0.53% 23 13.14% 24 13.04% 26 13.83% 143 81.72% 150 81.52% 152 80.85% 8 4.57% 9 4.89% 9 4.79% 963 2,674 2,857 38 39.63 39.7 1.38 3.42 3.59 1 0.10% 1 0.04% 0 0.00% 127 13.19% 201 7.44% 208 7.28% 567 58.88% 1,741 65.14% 1,825 63.88% 256 26.58% 719 26.93% 812 28.42% 12 1.25% 12 0.45% 12 0.42% 49 67 69 38.3 38.88 38.4 113

114 102.12.31 103.12.31 104.5.1 3 2.1 2.1 20 40.82% 27 40.30% 28 40.58% 28 57.14% 40 59.70% 41 59.42% 1 2.04% 0 0 0 0% 3,913 3,922 3,904 4,065 5,622 5,701 2,885 3,892 3,957 2,018 2,123 2,128 124 117 113 3,962 4,546 4,547 (2) 1 (2) 1 210002518050 () 1 (2) 764 2,294 2,397 112 1,156 1,244 6 10 8 6 9 14 1. Elearning 2. Global Strategic Management and Leadership Program Aspirational Leadership Development Program 10381315,4281,009 80,040440,4155,560 1

() (P40P42) () 104 () () IBM(Unix)(Windows)IBM 103 1. mpos (AML) 2. (ecash) 3. BS10012 (NAC, Network Access Control)ISO 27001104 4. : 115

104 MADP(Mobile Application Development Platform) () // /(412AP )IBM AS/400 (Unix)(Windows) IBM 103 1. 2014 / (Convertible Bond Asset Swap;CBAS)FATCA (08:30)Eurex() 711 ibon 0800 2. AP 8M16MAS400(ID)5 ADInternet 3. Internet (DLP)()Log Mgmt / 104 (Convertible Bond Asset Swap;CBAS)2015 (Offshore Securities Unit;OSU) (API)Oracle (XQ) (APT) 116

ISP () 99 CTI (Windows)IBM 103 1. 103 104 2. 1034AD(Active directory service) 1038 104 104 () (Unix)(Windows Server) (PC) (Terminal) IBM 1031143 () 1,234 1,322 117

() LSPCASMTS IBM AS/400(Windows)IBM 103 1. : 2. ibonatm (AWS)(eSponsor) 3. IP 4. 104 1. 2. 3. 4. 5. 6. () 103 1. (1) 18 (2) 2. (1) (High Availability) (2) (EOS USB(DLP)(RMS) Volume Shadow Copy) (3) 118

(4) FATCAFATCA 3. (1) (2) IP Phone (3) 4. ()/() (1) () (2) MBSCDSIRS/ (3) ()TEJCmoney 104 1. (BYOD)/(Social Media) 2. (1) (2) (USB ) (3) (4) 3. (1) (2) 4. ()/() (1) (2) (3) (4) (5) () 1. We are family (1) 119

We are family (2) 200371 (3) 10 (4) 2. : (1) (2) 6 We are family (1) (2) (3) 3. : (1) () (2) (3) 120

() : INR1,300,000 (840,040) () 0 INR1,300,000 103 () http://www.ctbcholding.com/ir_index.html () : 1. 2. CO2 3. 4. 5. 6. 7. 8. 9. IBM 101.9.1106.8.31 95.5.18 102.5.31 121

95.6.12145.6.11 1. 50 4545143 4319,284 2. M i c r o s o f t 98.12.1104.11.30 1. Enterprise Enrollment O p e r a t i o n s Pte Ltd (1) 2. 3. 4. 96.6.29 96.12.1 (PCM) ( ) 102.09.30112.12.31 ADSL 99.6.25102.4.25( ( 4545143431 )(2) 1. 2. () 3. 4. 5. ) 30F20F14F 101.9.4 99 100 1,360 3,461.47 42 40 122

,: 1,378.08 : 103.5.21 152 2,65971 101.4.6 101.7.27 101.9.4 99 100 1,360 8,220.26101 94 101.11.8 101.11.86 26 1,200 69.65% 30.35% 101.11.86 1,200 26 103.12.25 40% 1() 299.12.22 123

() 1. (1)(5) 101(4) 102 103 104331 (2) 155,551,644 240,286,793 407,939,532 352,114,353 77,330,792 83,369,629 118,298,731 100,994,547 438,142,654 428,929,904 683,051,006 777,896,415 1,577,954 910,113 1,499,486 377,855 1,371,736 8,836,019 3,835,902 2,908,410 143,136,405 172,454,597 189,440,011 184,584,649 1,634,583 1,449,398 1,689,188 1,828,187 6,323,343 6,323,343 6,323,343 1,133,807,163 1,284,855,302 1,838,176,291 1,851,903,180 1,226,733 1,081,880 306,946 327,580 71,853,650 79,304,809 110,975,819 137,307,038 2,111,872 2,076,772 2,073,119 2,096,298 12,749,012 39,787,544 185,574,704 208,374,835 38,836,976 38,347,727 43,379,488 44,381,976 2,637,475 2,631,895 6,552,700 6,776,359 13,941,922 13,948,040 16,992,496 17,103,775 3,146,825 6,699,337 9,526,337 9,643,589 14,458,178 13,426,977 29,044,965 31,075,400 2,113,515,574 2,424,720,079 3,654,680,064 3,736,017,789 30,690,419 48,409,512 49,934,428 42,760,462 5,008,601 8,167,850 59,135,084 55,407,068 24,950,658 28,364,068 95,292,577 96,298,436 34,959 255,112 916,322 10,092 61,875,070 64,795,548 65,002,821 60,507,590 199,985 7,115,881 8,230,081 59,487,832 50,417,748 81,989,932 77,947,470 2,749,410 2,354,133 4,467,017 5,597,048 1,520,139,468 1,725,348,933 2,410,679,548 2,494,313,601 66,121,632 70,269,949 110,457,298 93,751,565 28,799,871 25,748,327 169,234,269 169,232,266 134,174,345 194,870,475 329,775,602 358,011,088 1,659,148 329,664 1,784,842 1,784,839 8,907,106 12,342,446 39,455,045 32,998,232 1,944,598,519 2,231,873,750 3,425,240,666 3,496,849,838 1,955,402,715 2,237,464,120 3 168,830,797 192,769,596 229,352,760 239,084,120 124

(1)(5) 101(4) 102 103 104331 (2) 124,170,262 147,129,560 152,572,815 152,572,815 133,795,560 152,572,815 3 16,861,332 23,845,094 23,845,351 23,845,351 29,439,054 30,511,606 58,667,306 68,444,543 18,634,858 24,921,236 3 (1,639,851) (8,716,664) (5,732,712) (5,778,589) 86,258 76,733 86,638 83,831 168,917,055 192,846,329 229,439,398 239,167,951 158,112,859 187,255,959 3 1 101103 2 104331 3 103 4 101 5102(IFRSs)101 IFRSsIFRSs5 99100 125

2. (1)(3) 99(2) 100(2) 123,112,582 159,428,475 63,551,221 63,807,420 266,447,074 428,350,732 127,854,524 131,786,753 983,754,983 1,060,090,328 177,644,414 96,820,346 2,182,036 2,138,609 33,220,894 34,172,426 12,331,182 13,757,801 15,299,634 21,331,812 9,195,163 8,203,154 1,814,593,707 2,019,887,856 47,911,657 51,364,068 1,311,145,102 1,450,711,698 32,320,003 25,379,671 93,138,738 75,315,816 53,233,704 57,537,324 5,803,993 7,527,128 60,371,538 55,182,382 550,934 96,173,445 44,414,128 24,551,637 4,675,162 4,693,078 1,653,564,959 1,848,436,247 99,795,268 106,977,079 106,977,079 117,020,262 7,500,000 7,500,000 34,360,443 34,549,816 23,948,426 27,006,493 () 15,616,869 21,391,410 (3,916,221) (4,684,804) (751,813) 92,645 103,025 161,028,748 171,451,609 152,697,191 165,836,526 199100 299100 3102(IFRSs)101 IFRSsIFRSs5 99100 126

() 1. (1)(5) 101(3) 102 103 1041 (2) 45,432,502 47,789,311 67,442,151 18,565,890 13,892,200 14,629,089 20,880,860 5,522,517 31,540,302 33,160,222 46,561,291 13,043,373 62,532,413 94,006,397 154,865,396 41,167,570 94,072,715 127,166,619 201,426,687 54,210,943 () (538,544) (6,415,749) (3,644,750) 239,094 (33,269,976) (60,001,187) (104,063,750) (29,679,011) (35,549,234) (39,197,568) (48,556,973) (13,284,419) 24,714,961 21,552,115 45,161,214 11,486,607 (3,417,186) (41,875) (5,717,634) (1,711,094) 21,297,775 21,510,240 39,443,580 9,775,513 21,297,775 21,510,240 39,443,580 9,775,513 () 1,346,624 (7,090,337) 2,739,684 (46,960) 22,644,399 14,419,903 42,183,264 9,728,553 21,291,590 21,502,785 39,437,007 9,774,392 6,185 7,455 6,573 1,121 22,643,483 14,425,233 42,173,277 9,731,360 916 (5,330) 9,987 (2,807) (4) 1.55 1.45 2.58 0.64 1101103 21041 3101 4 5102(IFRSs)101 IFRSsIFRSs5 99100 127

2. (1)(4) 99 100(2) 24,676,595 27,759,776 27,874,268 31,969,636 (1,863,097) (559,433) (3,473,346) (33,357,765) (34,132,273) 17,330,001 21,564,360 14,141,690 18,297,025 14,133,988 18,289,538 7,702 7,487 ()(3) 1.32 1.61 199100 2100 3 4102(IFRSs)101 IFRSsIFRSs5 99100 128

() 1. (1)(5) 101(4) 102 103 104331 (2) 1,576,689 6,474,654 645,732 939,342 9,768,438 12,726,065 5,552,093 5,007,447 199,433 5,833 11,403 2,770 2,751 215,745 218,949 271,446 381,390 169,195,707 185,665,635 241,124,120 251,021,841 371,250 371,250 371,250 371,250 26,872 24,259 98,295 103,001 777 628 9 137 45,913 32,432 24,282 28,840 181,406,666 205,525,275 248,089,988 257,855,999 518,307 622,328 773,046 606,178 12,000,000 12,000,000 12,000,000 12,000,000 2,999 5,618,287 5,636,594 395 757 1,479 246 57,167 129,595 344,416 528,861 12,575,869 12,755,679 18,737,228 18,771,879 23,380,065 18,346,049 3 124,170,262 147,129,560 152,572,815 152,572,815 133,795,560 152,572,815 3 16,861,332 23,845,094 23,845,351 23,845,351 29,439,054 30,511,606 58,667,306 68,444,543 18,634,858 24,921,236 3 (1,639,851) (8,716,664) (5,732,712) (5,778,589) 168,830,797 192,769,596 229,352,760 239,084,120 158,026,601 187,179,226 3 1101103 2104331 3103 4101 5102(IFRSs)101 IFRSsIFRSs5 99100 129

2. (1)(2) 99 100 3,276,989 269,360 10,117,541 10,150,780 1,532,669 165,439 146,037,385 160,750,255 373,029 373,946 7,277 37,347 1,076 927 58,357 83,400 161,404,323 171,831,454 456,917 475,773 6,257 4,720 5,046 2,377 468,220 482,870 8,799,777 6,097,953 99,795,268 106,977,079 106,977,079 117,020,262 7,500,000 7,500,000 34,360,443 34,549,816 () 23,948,426 27,006,493 15,616,869 21,391,410 (3,916,221) (4,684,804) (751,813) 160,936,103 171,348,584 152,604,546 165,733,501 199100 2102(IFRSs)101 IFRSsIFRSs5 99100 130

() 1. (1)(4) 101 102 103 1041 (2) 21,672,103 22,144,660 40,042,179 9,939,905 349,402 212,182 226,598 11,883 (623,809) (730,650) (839,290) (220,690) (175,784) (205,154) (223,251) (61,983) 21,221,912 21,421,038 39,206,236 9,669,115 69,678 81,747 230,771 105,277 21,291,590 21,502,785 39,437,007 9,774,392 () 1,351,893 (7,077,552) 2,736,270 (43,032) 22,643,483 14,425,233 42,173,277 9,731,360 (3) 1.55 1.45 2.58 0.64 1101103 21041 3 4102(IFRSs)101 IFRSsIFRSs5 99100 2. (1)(3) 99 100 14,403,375 18,396,526 542,815 589,268 (674,790) (756,346) (260,695) (63,126) 14,010,705 18,166,322 14,133,988 18,289,538 ()(2) 1.31 1.60 ()(2) 1.32 1.61 199100 2 3102(IFRSs)101 IFRSsIFRSs5 99100 131

() 99 100 101 102 103 (1) (1) (2) (2) (2) 1() 2() () (1) 101 102 103 104 331 (2)(6) (%) (%) (%) (%)(4) () 0.05 0.06 0.07 0.06 73.44 73.13 73.12 69.63 0.36 0.35 0.23 0.26 7,267 9,417 11,843 () 1,645 1,592 2,319 12,620 () 1.03 0.95 1.30 1.06 () 13.21 11.93 18.69 16.69 () 22.64 16.92 19.58 18.03 () 1.55 1.45 2.58 0.64 92.01 92.05 93.72 93.60 1,151.22 1,157.33 1,492.87 1,462.09 100.44 96.51 105.29 105.15 41 1 1 1 1 1.56 1.68 1.46 1.48 4.37 14.72 50.73 2.23 14.61 (12.80) 109.54 1.74 38.47 40.22 5.21 (3) 293.72 335.48 219.84 202.57 495.67 1,097.45 (3) (3) 6.89 7.20 9.95 (5) 7.90 8.26 8.60 (5) 4.72 5.01 5.18 (5) 4.43 4.72 4.88 (5) 132

(1) 101 102 103 104 331 (2)(6) 13.07 10.71 13.70 510.47 576.41 573.76 (%) 345.90 510.29 408.57 136,480 143,247 197,018 5,350 5,559 5,746 2,513 2,331 2,717 3,733 4,832 4,741 () 5,746 5,747 5,558 54 57 47 622 539 1,649 6,392 21,568 23,656 311 452 391 () 150,894 183,782 214,115 83,541 106,963 115,050 1,572 1,447 1,502 1,686 1,588 1,841 1,870 2,405 2,380 () 2,918 2,845 2,792 59 58 51 422 423 1,040 3,696 8,453 11,580 157 243 211 () 96,365 124,864 136,944 (%) 156.59 147.19 156.35 46 941,005 905,054 1,165,309 () (20%) 1. 102(IFRSs)101 IFRSsIFRSs599 100 2. 103102102 3 103102102 4. 103102 1 1. (1) (2) (3) (4) (5) 2. (1) [+(1)] (2) (3) (4) () 133

3. (1) (2) (3) =3637 4. (1) () (2) + 5. (1) =() (2)=() 6. (1) ( ) (2) () (3) 7. (1) (2) (3) (4) 8. (1) () (2) + (3) 2104 3104103 4(1) 103104 (2) 103103 10312 510435 10435 6104331 () (2) (3) 99 100 () 0.09 0.11 72.48 72.14 0.43 0.20 312,457 675,810 () 300,723 653,198 () 8.63 10.98 () 10.53 12.76 () 96.24 96.65 () 1.32 1.61 0.29 0.28 (%) 0.29 0.28 97.26 94.03 41 1 1 1.01 1.01 134

(3) (%) (%) (%) (2) 99 100 (2.92) 6.46 544.77 29.66 920.61 2,878.52 116.78 117.32 1 152.11 7.43 7.05 9.47 8.92 4.52 4.67 4.36 4.30 13.53 12.66 887.37 1,642.79 (%) 308.05 () 127,315 127,576 5,286 5,407 3,755 4,050 1,928 3,742 5,006 5,626 65 55 557 531 5,715 () 110,718 109,706 () 75,297 80,628 893 493 2,167 2,352 962 1,869 2,511 2,855 51 58 346 356 3,711 () 94,135 92,823 (%) 117.62 118.19 46 919,705 955,570 () 199 2102(IFRSs)101 IFRSsIFRSs5 99100 3 1. (1) (2) (3) (4) (5) 135

2. (1) (2) (3) (4) () 3. (1) (2) (3) =3637 4. (1) () (2) + 5. (1) =() (2) =() 6. (1) ( ) (2) () (3) 7. (1) (2) (3) (4) 8. (1) () (2) + (3) (%) 102 103 147.19% 156.35% (1) 57.99% 49.73% (2) 42.81% 34.16% 11.82% 13.46% () (3) 0.38% 0.96% (4) 344.52% 153.66% 10.71% 13.70% () (3) 0.35% 0.23% (4) 366.41% 591.94% 1 2 3 4 136

中國信託金融控股股份有限公司審計委員會查核報告書 103104 51 137

102 103 % 6,474,654 645,732 (5,828,922) (90.03%) 13,097,315 5,923,343 (7,173,972) (54.77%) 11,403 2,770 (8,633) (75.71%) 185,665,635 241,124,120 55,458,485 29.87% 276,268 394,023 117,755 42.62% 205,525,275 248,089,988 42,564,713 20.71% 12,002,999 17,618,287 5,615,288 46.78% 622,328 773,046 150,718 24.22% 130,352 345,895 215,543 165.35% 12,755,679 18,737,228 5,981,549 46.89% 147,129,560 152,572,815 5,443,255 3.70% 23,845,094 23,845,351 257 0.00% () 30,511,606 58,667,306 28,155,700 92.28% (8,716,664) (5,732,712) 2,983,952 (34.23%) 192,769,596 229,352,760 36,583,164 18.98% 120% 1. 10259 2. 1022052 3. 102150 4. 1020.70.5 5. 10210356 6. 102 7. 102 8. 102 9. 10219 6 102 103 () % 22,144,660 40,042,179 17,897,519 80.82% 212,182 226,598 14,416 6.79% (730,650) (839,290) (108,640) 14.87% (205,154) (223,251) (18,097) 8.82% 21,421,038 39,206,236 17,785,198 83.03% 21,502,785 39,437,007 17,934,222 83.40% 120% 102 138

103174~175 104 () 645,732 2,815,653 (1,994,706) 1,466,679 104 2,815,653 5,666 1,989,040 103 103 ()103 3637 ()103 103 10344298% \ ()104 () 1. (1) 139

(2) (3) (4) (5) (6) 140

2. () 1. (1) () (Internal Rating System) (2) () 141

142 (3) 96 (4) (5) (6) A. a. 1031231 778,061,652 679,005 85,298,124 1,493,028 () 430,934,721 10,926,578 () 931,870,553 70,063,786 324,645,168 19,568,252 354,241,201 11,839,603 7,642,112 1,092,424 245,572,493 17,667,921 3,158,266,024 133,330,597

b. 1031231 (1) (4) (5)=(1)+(3) (2) (3) (6)=(2)+(4) 14,414,267 14,414,267 233,692 14,414,267 233,692 313,617 313,617 5,018 313,617 5,018 2,756,959 2,756,959 213,316 2,756,959 213,316 5,521,697 5,521,697 241,588 5,521,697 241,588 38,681 38,681 619 38,681 619 63,428,460 63,428,460 5,011,280 63,428,460 5,011,280 1,002,753 1,002,753 146,355 1,002,753 146,355 87,476,434 87,476,434 5,851,868 87,476,434 5,851,868 () c. 87,476,434 87,476,434 5,851,868 87,476,434 5,851,868 1031231 100 69,172,964 101 69,691,566 102 72,821,735 211,686,265 9,851,852 d. 2,659,827 3,979,618 396,216 48,813 12,163 7,096,637 1031231 143

B. a. 1031231 010 1130 3190 91180 1811 1 2,167,624 364,840 300,389 250,014 151,171 270,834 830,376 2,481,566 192,326 229,483 386,806 350,873 574,948 747,130 (313,942) 172,514 70,906 (136,792) (199,702) (304,114) 83,246 b. (a). 1031231 010 3190 91180 1811 1 60,674,724 21,603,439 17,625,483 8,850,030 7,832,020 4,763,752 80,134,194 29,781,738 18,878,171 11,657,756 11,412,992 8,403,537 (19,459,470) (8,178,299) (1,252,688) (2,807,726) (3,580,972) (3,639,785) (b). 1031231 010 3190 91180 1811 1 23,938,826 9,603,357 5,602,017 3,199,986 3,172,571 2,360,895 33,403,099 17,139,290 7,250,910 3,729,030 3,113,889 2,169,980 (9,464,273) (7,535,933) (1,648,893) (529,044) 58,682 190,915 2. (1) (2) // / 144

(Taiwan Corporate Credit Risk Index, TCRI) (3) (RCSA)(KRI)(LDC)(External Loss Event Selfexamination) (4) () (5) (6) 103.12.31 102.12.31 574% 576% 150% (99%,) 30,186 39,473 3. ()( ) (Know Your Customer) 4. 145

5. 6. (1) (2) 1,000 7. (1) ISO (2) 8. (1) (2) (3) 146

(4) (5) : A. B. C. D. E. F. 147

(6) (7) 103.12.31 102.12.31 200% 9. () 432 ()43210366 43 432 432 () 148

() We are family () 1. (1) (2) (3) (4) (5) 2. (1) (2) (3) () ()1% ()34.03% () 149

() 104 51 1. (1) 96.2.15 98.12.24 907,607,204 97.1.22 (97.8.13) () 104.3.27 () 66,834,064 () 150

1. 97.9.15(LBHI) 1. LBHI 515,776,372.89 2. 97.10.8(LBT) (2) (Lehman Brothers Treasury Co. B.V. L B T ) (Lehman Brothers Holdings Inc. LBHI)22 LBHILBT 1.2. 1. LBHI () 2. LBT () (1) (22 ) (2) (3) LBHI (4) 10011LBHI (5) 100.12.6LBHI (6) 101410 102410103410104 4 21.73% 2. LBT (1) (2) LBTLBHI (3) LBT 201223 (4) LBT101.12.10 (5) 101.12.10 (102.1.25) 102.3.7 102.3.22 (6) 1025 101034101044 ( 29.77%) 151

9 7. 7. 4 () 1928 () 98.10.8 824 103.8.19 102.5.31975499 75 102.5.31975499 75 1 222515,667,102.07XS0365192078109,270.82 152

2. 91 94.2.25 : 103.4.3, 14 ( 522,971,060 ), : 103.4.29 93 95.2.20 : 103.4.15 15,180,000 : 103.5.12 3. 15,913,125 100.1.28 1 0 3. 2. 5 ( ) 275,000,000 104.1.26 1. 103.7.21 (Business Transfer and Purchase Agreement) 275,000,000 2. 104.1.26 153

4.CTBC Bank (USA) Calabrese Investors, LLC 2,014.5 99.10.27 1037 CTBC Bank Corp.(USA) 100.8.23 Calabrese Investors, LLC CTBC Bank Corp.(USA) C T B C C a p i t a l CTBC Bank Corp.(USA); 80,000 Corporation CTBC Capital Corporation 5. 98 98 98 98 98 98 98 98 97 100 101 96 97 98 96 97 98 96 94~97 98 96 97 98 96~97 98 154

92~95 93~94 95 94~95 92~95 () 12 155

() 103 () () 1. 2. () (6) 1031231 () () () 91,092,775 2,388,436,824 2,191,824,208 196,612,616 5 77,304,235 34,262,178 3.86 () 5,357,140 15,958,909 9,510,706 6,448,203 1,142,524 258,249 297,092 0.55 () 50,000 3,681,629 964,333 2,717,296 9,836,906 3,112,735 2,605,970 521.19 () 4,000,000 4,765,046 24,553 4,740,493 323,400 225,066 216,806 0.54 () 5,358,820 5,584,430 26,217 5,558,213 58,906 55,149 (225,703) (0.42) () 47,695 101,388 54,287 47,101 204,071 8,306 7,344 1.68 () 500,000 2,080,587 432,031 1,648,556 2,263,442 1,323,554 1,111,181 22.22 () 11,505,741 386,883,904 358,650,386 28,233,518 129,885,718 1,380,885 1,577,121 1.37 () 360,000 432,167 40,673 391,494 115,086 (57,325) (60,745) (1.69) CTBC Bank (Philippines) Corp.(1) 1,754,874 19,449,760 14,745,129 4,704,631 5 1,267,859 33,798 0.14 PT Bank CTBC Indonesia(1) 383,535 31,587,244 25,400,956 6,186,288 5 1,629,601 616,573 441,049 CTBC Bank Corp.(Canada)(1) 764,820 9,721,689 8,551,353 1,170,336 5 214,464 37,176 16.08 CTBC Capital Corp.(1) 204 73,194,255 52,567,611 20,626,644 5 2,110,779 360,879 56,122 CTBC Bank Corp. (USA) (1,2) 24,458 73,205,109 60,694,275 12,510,834 5 2,028,295 327,575 119,620 The Tokyo Star Bank, Ltd. (1) 6,892,600 774,461,649 744,994,916 29,466,733 5 8,965,033 2,716,260 3,880.37 TSB Capital, Ltd. (1,3) 132,550 2,947,563 81,303 2,866,260 5 481,480 89,796 46.37 TSB Servicer, Ltd. (1,3) 132,550 454,641 12,568 442,073 5 93,749 12,919 32,297.63 Tokyo Star Business Finance,Ltd. (1,3) 33,138 768,051 743,408 24,643 5 43,520 4,857 971.48 ()(1) 204,500 243,760 830 242,930 (99,105) (100,075) (114,393) (2.29) 156

() (6) () () CTBC(Mauritius) Holding Co.,Ltd. (4) 387,000 33,949 1,147 32,802 1,224 1,178 1,213 0.11 CTBC Asia Limited(4) 387,000 41,751 8,438 33,313 19,541 (370) 1,224 0.01 CTBC International Co., Limited(7) 1,559,357 1,108,818 179 1,108,640 116 (278,934) (278,934) (5.58) (7) 1,533,632 6,321,087 5,242,379 1,078,708 367,936 (278,777) (278,777) CTBC Capital International Corporation Limited(8) 61,796 65,213 235 64,978 0 (311) (311) (0.15) ()(8) 58,612 51,876 771 51,105 0 (6,205) (6,205) 1() 2CTBC Capital Corp. 3The Tokyo Star Bank, Ltd. 4() 5 6 7() 8() 3. 1031231 () (%) () () 9,109,278 100.00% 157

() (%) () (1) () 535,219 99.9076% () () 5,000 100.00% () () 400,000 100.00% 158

() (%) () () 535,882 100.00% (2) () /(3) () 4,770 100.00% () () 50,000 100.00% 159

() (%) () (4) (5) () 1,150,574 100.00% () () 36,000 100.00% (VC) CTBC Capital International Co., Limited CTBC Capital International Co., Limited 2,060 100.00% () 100.00% (AMC) CTBC International Co., Limited 50,000 100.00% 160

() (%) CTBC International Co., Limited 100.00% () CTBC Capital Corp. / Noor Menai 6 100.00% Joseph H Tseng CTBC Capital Corp. / Noor Menai CTBC Bank Corp. (USA) Paul G. Fritts :3 :100 100.00% Bill Walbrecher Anders Chung Yang Joseph H Tseng () / CTBC Bank Corp.(Canada) Noor Menai Stephen Hume 2,312 100.00% Stanley Kwok William Neilson Leigh L.C. Pan 161

() (%) () William B. Go CTBC Bank(Philippines) Corp. /(6.7) 246,496 99.60% Edwin B. Villanueva Ng Meng Tam () PT Bank CTBC Indonesia 1 99.00% Imbang Jaya Mangkuto Zairyanto Poedjiaty () / (Masaru Irie) The Tokyo Star Bank, Ltd. (8) 700 100.00% (Shinji Sakai) (Masamichi Yokoi) 162

() (%) TSB Capital, Ltd. ("TSBC") TSB Servicer, Ltd. ("TSBS") Tokyo Star Business Finance, Ltd. ("TSBF") CTBC(Mauritius) Holding Co., Ltd The Tokyo Star Bank, Ltd. / (Kazuhiro Nakamura) (Osamu Kanamori) 栄 (Eiichi Muragishi) (Morio Hashiya) (Kazutaka Ikeda) 辺 (Takao Watanabe) The Tokyo Star Bank, Ltd. / (Ryouichi Tsurumi) (Satoshi Kondo) (Katsuhiko Takezoe) (Morio Hashiya) (Kazutaka Ikeda) 辺 (Takao Watanabe) The Tokyo Star Bank, Ltd. / (Sadashi Nakano) (Masahiko Matsumura) (Morio Hashiya) (Kazutaka Ikeda) 辺 (Takao Watanabe) () 1,936 100.00% 0.4 100.00% 5 100.00% 11,113 100.00% 163

() (%) CTBC(Mauritius) / CTBC Asia Limited 86,679 100.00% () ()(9) 50,000 100.00% 1104.1.27104.1.27104.1.28 2104.4.24104.4.29 3104.1.28 4104.1.27104.1.27 104.1.29 5104.1.9104.4.15 6104.1.9()CTBC Bank(Philippines) Corp.CTBC Bank (Philippines) Corp.104.1.23104.2.16 7104.1.23CTBC Bank(Philippines)Corp.104.3.2 8104.1.27The Tokyo Star Bank, Ltd.The Tokyo Star Bank, Ltd.104.3.25 9104.2.6 164

4. 1031231 () 55.3.14 166168170 91,092,775 () 78.7.5 1683 5,357,140 () 85.2.16 1886 50,000 () 92.3.11 16821 4,000,000 () 92.5.20 16821 5,358,820 () 84.2.15 56022 47,695 () 95.7.18 1339 500,000 () 92.8.1 1888 11,505,741 () 87.3.3 18812 360,000 CTBC Bank (Philippines) Corp. 84.9.7 16th to 19th Floors, Fort Legend Towers, 31st Street Corner 3rd Avenue, Bonifacio Global City, Taguig PHP2,479,687 City, Philippines 1634 PT Bank CTBC Indonesia 85.10.15 16th F1,Wisma Tamara, JI Jenderal SudirmanKev. 24 Jakarta 12920 Indonesia IDR150,000,000 CTBC Bank Corp.(Canada) 1518 West Broadway, Vancouver B.C., 87.11.12 Canada, V6J1W8 CAD28,000 801 S. Figueroa Street,Suite 2300, Los CTBC Capital Corp. 78.2.27 Angeles,CA 90017 USD6.43028 CTBC Bank Corp. (USA) 84.2.27 801 S. Figueroa Street,Suite 2300, Los Angeles,CA 90017 USD771.108 () 87.5.18 8 282812 HKD50,000 The Tokyo Star Bank, Ltd. 90.6.11 235 Akasaka, MinatoKu, Tokyo, 107 JPY 26,000,000 8480, Japan JPY 500,000 TSB Capital, Ltd. 68.12.1 271, NishiShinjuku,Shinjuku,Tokyo TSB Servicer, Ltd. 86.1.17 2217,Akasaka,Minato,Tokyo JPY 500,000 Tokyo Star Business Finance,Ltd. 99.9.10 2217,Akasaka,Minato,Tokyo JPY 125,000 3rd Floor,Raffles Tower,19 CTBC(Mauritius) Holding Co., Ltd 91.12.19 Cybercity,Ebene,Republic of USD11,113 Mauritius. 165

CTBC Asia Limited 92.4.4 8 282809 Romm 511, 5F, Tower 1 Silvercord Centre CTBC International Co.,Limited 101.4.24 No.30 Canton Road Tsim Sha Tsui, Hong Kong 101.7.3 1386 121202 Romm 511, 5F, Tower 1 CTBC Capital International Silvercord Centre 101.4.30 Corporation Limited No.30 Canton Road Tsim Sha Tsui, Hong Kong () 101.11.22 1386 121202 HKD86,679 USD 50,000 RMB 310,000 USD 2,060 USD 2,000 () 103104 51 103104 51 http://www. ctbcholding.com/ir_index.html 166

10310451 103.6.5 103.6.18 103.11.28 167

聲明書 () 168

< > 會計師查核報告 () (88)()18311 (90)()166967 169

中國信託金融控股股份有限公司及子公司 合併資產負債表 民國一 三年及一 二年十二月三十一日 103.12.31 102.12.31 資 產 金 額 % 金 額 % 11000 (()) $ 133,647,130 4 115,161,162 5 11500 (()) 274,292,402 8 125,125,631 5 12000 (()()( )) 118,298,731 3 83,369,629 3 12100 (()()()) 683,051,006 19 428,929,904 18 12300 (()) 1,499,486 910,113 12500 (()) 3,835,902 8,836,019 13000 (()()) 189,440,011 6 172,454,597 7 13200 () 1,689,188 1,449,398 13300 (()) 6,323,343 6,323,343 13500 (()()()) 1,838,176,291 50 1,284,855,302 53 13700 (()) 306,946 1,081,880 14500 (()()()( 110,975,819 3 79,304,809 3 )) 15000 (()) 2,073,119 2,076,772 15500 (()()() ()( 185,574,704 5 39,787,544 2 )) 18000 (()()) 6,552,700 2,631,895 18500 (()()()) 43,379,488 1 38,347,727 2 19000 (()()) 16,992,496 13,948,040 1 19300 (()) 9,526,337 6,699,337 19500 (()()) 29,044,965 1 13,426,977 1 $ 3,654,680,064 100 2,424,720,079 100 170

< > 中國信託金融控股股份有限公司及子公司 合併資產負債表 民國一 三年及一 二年十二月三十一日 103.12.31 102.12.31 負債及權益 金 額 % 金 額 % 21000 (()) $ 49,934,428 1 48,409,512 2 21500 (()) 59,135,084 2 8,167,850 22000 (()) 95,292,577 3 28,364,068 1 22300 (()) 916,322 255,112 22500 (()()) 65,002,821 2 64,795,548 3 22600 (()) 7,115,881 199,985 23000 (()) 81,989,932 2 50,417,748 2 23200 () 4,467,017 2,354,133 23500 (()) 2,410,679,548 66 1,725,348,933 71 24000 (()()()) 110,457,298 3 70,269,949 3 24600 (()()()) 329,775,602 9 194,870,475 8 25500 (()()) 169,234,269 5 25,748,327 1 29300 (()) 1,784,842 329,664 29500 (()()) 39,455,045 1 12,342,446 1 3,425,240,666 94 2,231,873,750 92 31100 31101 (()) 152,572,815 4 147,129,560 6 31500 (()) 23,845,351 1 23,845,094 1 32000 32001 10,236,758 8,408,223 32003 9,191,902 3,818,035 32011 (()) 39,238,646 1 18,285,348 1 32500 (()) (5,732,712) (8,716,664) 39500 86,638 76,733 229,439,398 6 192,846,329 8 $ 3,654,680,064 100 2,424,720,079 100 171

中國信託金融控股股份有限公司及子公司合併綜合損益表 民國一 三年及一 二年一月一日至十二月三十一日 : 103 年度 102 年度 變動百 金額 % 金額 % 分比 % 41000 (()) $ 67,442,151 33 47,789,311 38 41 51000 (()) (20,880,860) (10) (14,629,089) (12) 43 (()) 46,561,291 23 33,160,222 26 40 49800 (()) 22,160,700 11 22,249,981 17 49810 (()) 105,653,900 52 60,870,646 48 74 49820 (()) 8,922,345 4 5,718,164 5 56 49825 (()) 4,708 15,723 (70) 49830 (()()) 5,262,394 3 3,377,680 3 56 49840 67,073 382 17,458 49870 (897,655) 3,353,101 3 (127) 49880 (()) (66,099) (41,563) 59 49890 (()) (11,428) 75,806 (115) 49900 (()) 1,452,339 1 473,277 207 49990 (()()) 15,017,119 7 58099 (2,700,000) (1) (2,086,800) (2) (29) 201,426,687 100 127,166,619 100 58 58100 (()) (3,644,750) (2) (6,415,749) (5) (43) 58300 (()) (104,063,750) (52) (60,001,187) (47) 73 58501 (()) (26,826,683) (13) (22,270,993) (18) 20 58503 (()) (2,191,849) (1) (1,946,234) (1) 13 58599 (()) (19,538,441) (10) (14,980,341) (12) 30 (48,556,973) (24) (39,197,568) (31) 24 45,161,214 22 21,552,115 17 110 61003 (()) (5,717,634) (3) (41,875) 13,554 39,443,580 19 21,510,240 17 83 69500 69501 495,747 (863,175) (1) 157 69511 2,388,355 1 (7,323,009) (6) 133 69531 () (304,687) 7,514 (4,155) 69541 45,772 (68,159) 167 69551 464,012 69591 (()) (349,515) 1,156,492 1 (130) 69500 () 2,739,684 1 (7,090,337) (6) 139 $ 42,183,264 20 14,419,903 11 193 69901 $ 39,437,007 19 21,502,785 17 83 69903 6,573 7,455 (12) $ 39,443,580 19 21,510,240 17 83 69951 $ 42,173,277 20 14,425,233 11 192 69953 9,987 (5,330) 287 $ 42,183,264 20 14,419,903 11 193 ()(()) $ 2.58 1.45 172

< > 中國信託金融控股股份有限公司及子公司合併權益變動表民國一 三年及一 二年一月一日至十二月三十一日歸屬於母公司業主之權益 其他權益項目 : 股本保留盈餘 普通股股本資本公積 法定盈餘公積 特別盈餘公積 未分配盈餘 國外營運機構財務報表換算之兌換差額 備供出售金融商品未實現 ( 損 ) 益其他 歸屬於母公司業主權益總計 非控制權益 $124,170,262 16,861,332 6,290,059 5,160,042 17,988,953 (3,423,881 ) 1,786,977 (2,947 ) 168,830,797 86,258 168,917,055 21,502,785 21,502,785 7,455 21,510,240 (739 ) (651,709 ) (6,423,566 ) (1,538 ) (7,077,552 ) (12,785 ) (7,090,337 ) 21,502,046 (651,709 ) (6,423,566 ) (1,538 ) 14,425,233 (5,330 ) 14,419,903 () 2,118,164 (2,118,164) (9,762,803) (9,762,803) (9,762,803) (1,041,393) (1,041,393) (1,041,393) 9,625,298 (9,625,298) (1,342,007) 1,342,007 (3,303) (3,303) (3,303) 13,334,000 6,654,762 19,988,762 19,988,762 (2,514) (2,514) (2,514) 334,817 334,817 334,817 (4,195) (4,195) 147,129,560 23,845,094 8,408,223 3,818,035 18,285,348 (4,075,590) (4,636,589) (4,485) 192,769,596 76,733 192,846,329 39,437,007 39,437,007 6,573 39,443,580 (247,682) 611,829 1,905,267 466,856 2,736,270 3,414 2,739,684 39,189,325 611,829 1,905,267 466,856 42,173,277 9,987 42,183,264 () 1,828,535 (1,828,535) 5,373,867 (5,373,867) (5,590,370) (5,590,370) (5,590,370) 5,443,255 (5,443,255) 257 257 257 (82) (82) $152,572,815 23,845,351 10,236,758 9,191,902 39,238,646 (3,463,761) (2,731,322) 462,371 229,352,760 86,638 229,439,398 權益總計 10,697213,950 5,539110,780 173

中國信託金融控股股份有限公司及子公司合併現金流量表 民國一 三年及一 二年一月一日至十二月三十一日 : 103 年度 102 年度 $ 45,161,214 21,552,115 1,421,105 1,301,090 776,744 651,146 3,644,750 6,415,749 (3,420,682) (730,203) 20,880,860 14,629,089 (67,442,151) (47,789,311) (992,951) (787,232) 104,063,750 60,001,187 (5,645) (7,141) (57,543) (72,142) 334,817 11,428 (75,806) 17,169 25,732 573 2,598 (25,241) (58,536) 29,176 19,754 36,923 21,809 1,673 28,131 (15,017,119) 3,766,252 402,264 1,007,021 (1,286,032) 48,696,092 33,026,963 (36,892,592) (14,277,054) (4,592,857) (5,674,700) () (40,038,236) 3,459,346 () (589,373) 667,841 (12,431,895) (30,068,959) (103,851,387) (157,380,867) 396,608 171,143 (31,662,655) (7,451,159) (102,886,566) (27,897,115) (332,548,953) (238,451,524) 924,870 17,719,093 32,023,755 3,413,410 661,210 220,153 () 6,252,387 (8,868,680) 188,304,785 205,209,465 () 179,325 (187,503) 422,987 543,150 (14,527,885) (3,047,556) 214,241,434 215,001,532 (118,307,519) (23,449,992) (69,611,427) 9,576,971 174

< > 中國信託金融控股股份有限公司及子公司合併現金流量表 ( 續 ) 民國一 三年及一 二年一月一日至十二月三十一日 : 103 年度 102 年度 () $ (24,450,213) 31,129,086 65,479,205 47,526,937 1,045,605 846,508 (21,571,490) (14,728,081) (4,414,928) (3,669,207) 16,088,179 61,105,243 (3,075,629) (874,398) 20,353 155,111 139,383 190,628 (8,549,899) (7,140,314) 49,059 28,576 (1,522,618) (316,315) 716 7,071 396,255 54,711,077 (150,018) (422) 514,655 773,591 () (13,519,662) 1,219,341 () 28,624,488 (5,567,947) 1,651,714 3,159,249 6,915,896 199,985 35,000,000 4,947,000 (5,996,990) (450,000) 207,273 2,920,478 32,764,694 () 928,291 (90,321) 16,870,044 3,442,473 (5,590,370) (10,804,196) 19,988,762 (2,514) (82) (4,195) 257 82,750,727 23,306,721 (1,703,364) (921,639) 125,760,030 77,922,378 199,908,777 121,986,399 $ 325,668,807 199,908,777 $ 133,647,130 115,161,162 188,185,775 75,911,596 3,835,902 8,836,019 $ 325,668,807 199,908,777 175

中國信託金融控股股份有限公司及子公司合併財務報告附註 () 一 公司沿革 () ( 一 ) 本公司得投資下列事業 : 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. ( 二 ) 對前款被投資事業之管理 ( 三 ) 本公司得經主管機關申請核准後投資第 1 款所列以外之其他事業 ( 四 ) 經主管機關核准辦理之其他有關業務 二 通過財務報告之日期及程序 三 新發布及修訂準則及解釋之適用 ( 一 ) 尚未採用金融監督管理委員會認可之 2013 年版國際財務報導準則之影響 1030010325 2013 IASB 發布新發布 / 修正 / 修訂準則及解釋之生效日 172010.7.1 1 2011.7.1 1 2013.1.1 7 2011.7.1 176

< > 新發布 / 修正 / 修訂準則及解釋 IASB 發布之生效日 7 2013.1.1 10 2013.1.1 ( 2014.1.1) 11 2013.1.1 12 2013.1.1 13 2013.1.1 1 2012.7.1 12 2012.1.1 19 2013.1.1 27 2013.1.1 32 2014.1.1 20 2013.1.1 2013 1. 2. 3. 4. 177

( 二 ) 國際會計準則理事會已發布但尚未經金融監督管理委員會認可之國際財務報導準則之影響 2013 新發布 / 修正 / 修訂準則及解釋 IASB 發布之生效日 9 2018.1.1 1028 2016.1.1 101228 2016.1.1 11 2016.1.1 14 2016.1.1 15 2017.1.1 1 2016.1.1 1638 2016.1.1 19 2014.7.1 27 2016.1.1 36 2014.1.1 39 2014.1.1 四 重大會計政策之彙總說明 ( 一 ) 遵循聲明 () ( 二 ) 編製基礎 1. () 2. 3. 4. 5. 6. ( 三 ) 合併基礎 1. 178

< > 2. 投資公業務所持股權百分比 司名稱子公司名稱性質 103.12.31 102.12.31 說明 100.00% 100.00% (1) " ()() 99.91% 99.91% (2) " ()() 100.00% 100.00% " ()() 100.00% 100.00% " ()() 100.00% 100.00% " ()() 100.00% 100.00% " ()() 100.00% 100.00% (3) " ()( ) 100.00% 100.00% (4) CTBC Bank (Philippines) Corp. 99.60% 99.60% " PT Bank CTBC Indonesia " 99.00% 99.00% " CTBC Bank Corp. (Canada) " 100.00% 100.00% " CTBC Capital Corp. 100.00% 100.00% " The Tokyo Star Bank, Ltd. 100.00% % (5) The Tokyo Star TSB Capital, Ltd. 100.00% 100.00% Bank, Ltd. " TSB Servicer, Ltd. 100.00% 100.00% " Tokyo Star Business Finance, Ltd. 100.00% 100.00% " % % (6) " % % (6) / " % % (6) " % % (6) CTBC Capital CTBC Bank Corp. (USA) 100.00% 100.00% Corp. CTBC International Co., Limited 100.00% 100.00% CTBC () 100.00% 100.00% International Co., Limited CTBC Capital International Co., Limited 100.00% 100.00% CTBC Capital ()( 100.00% 100.00% International Co., Limited ) CTBC (Mauritius) Holding Co., Ltd. 100.00% 100.00% CTBC (Mauritius) Holding Co., Ltd. CTBC Asia Limited 100.00% 100.00% 179

3.50% 投資公業務所持股權百分比司名稱子公司名稱性質 103.12.31 102.12.31 說明 () 100.00% 100.00% () 100.00% 100.00% 7 % % (7) 125 600,0001015,000,000 211 99.91% 3 10202123630 724,8341020.69150 438,000 12,9001015.5 199,95031,000 5The Tokyo Star Bank, Ltd. 100% 612 712 ( 四 ) 外幣 1. 2. 3. 4. 5. 180

< > ( 五 ) 現金及約當現金 ( 六 ) 金融工具 1. (1) A. B. C. (2) (3) (4) A. B. C. 90 181

(5) (6) A. B. (7) (8) ( ) A. B. C. D. (9) 182

< > A. B. C. D. E. F. G. (10) 2. ( ) (1) A. B. C. (2) (3) 183

3. (1) (2) (3) 4. (1) (2) ( 七 ) 投資性不動產 184

< > ( 八 ) 非金融資產減損 ( 九 ) 待出售資產 ( 十 ) 投資關聯企業 () 20% 50% ( ) ( 十一 ) 人壽保險現金解約價值 ( 十二 ) 再保險合約資產 () ()()() ( 十三 ) 不動產及設備 185

10 56 4 6 5 20 ( 十四 ) 無形資產 1. 2. 3. ( 十五 ) 分離帳戶保險商品資產 () 186

< > ( 十六 ) 承受擔保品 ( 十七 ) 負債準備 1. () 2. 3. () ( 十八 ) 外匯價格變動準備 ( 十九 ) 庫藏股票 187

188 ( 二十 ) 收入認列 1. 2. ()1. 3. (1) (2) () ( 廿一 ) 員工福利 1. 2. (1) 12 (2)

< > (3) 3. 12 ( 廿二 ) 股份基礎給付交易 : 1. () 2. 3. ( 廿三 ) 員工紅利及董監酬勞 () ( 廿四 ) 所得稅 () 1. 2. (1) (2) ()()() ( 廿五 ) 或有負債 189

( 廿六 ) 保險合約 () () () 1. 2. 3. (1) (2) (3) ( 廿七 ) 營運部門 ( ) 五 重大會計判斷 估計及假設不確定性之主要來源 ( 一 ) 放款減損損失 () 190

< > ( 二 ) 退職後福利 () () ( 三 ) 保險合約之分類與顯著保險風險移轉測試 ( 四 ) 保險負債及具金融商品性質之保險契約準備 (lockin) () () ( 五 ) 再保險準備資產 () 191

六 重要會計項目之說明 ( 一 ) 現金及約當現金 103.12.31 102.12.31 $ 24,353,403 17,074,756 13,058 12,501 3,731,806 2,723,737 10,811,662 5,659,700 94,193,539 89,468,104 543,662 222,364 $ 133,647,130 115,161,162 ( 二 ) 存放央行及拆借金融同業 103.12.31 102.12.31 $ 31,321,818 23,216,670 38,109,441 37,011,531 101,375,061 8,635,967 103,486,082 56,261,463 $ 274,292,402 125,125,631 ( 三 ) 透過損益按公允價值衡量之金融商品 103.12.31 102.12.31 $ 30,489,686 39,378,571 76,361 2,959,462 1,740,269 5,128,976 4,146,835 6,625,147 5,843,176 4,091 4,271 1,372,567 3,197,283 1,120,553 742,193 132,306 58,038,667 27,522,737 389,376 376,925 106,205,066 83,084,386 6,547,705 2,804,772 329,824 300,000 2,284,234 127,130 (14,757) 12,093,665 285,243 $ 118,298,731 83,369,629 () 192

< > 103.12.31 102.12.31 $ 65,026,921 28,312,897 30,260,239 5,417 51,171 $ 95,292,577 28,364,068 () 103.12.31 $ 30,260,239 (464,012) (2,504,455) 首日利潤準備 $ 2,821,129 (141,491) 72,430 $ 2,752,068 ( 四 ) 備供出售金融資產 淨額 103.12.31 102.12.31 $ 5,551,333 10,729,034 277,600,000 228,400,000 380,907 134,355 210,908,221 89,519,043 67,496,533 39,325,820 33,337,737 17,618,686 32,292,225 25,714,497 21,597,323 12,872,384 24,677,158 2,828,527 2,142,312 497,169 7,067,257 1,290,389 $ 683,051,006 428,929,904 () ()() 193

( 五 ) 避險之衍生金融工具 103.12.31 102.12.31 $ 205,614 910,113 : 1,293,872 $ 1,499,486 910,113 103.12.31 102.12.31 $ 21,716 87,191 35,093 16,397 859,513 151,524 $ 916,322 255,112 1. 指定之避險工具 指定為避險工具 公允價值 被避險項目 之金融商品 103.12.31 102.12.31 $ 151,934 818,787 31,964 4,135 (35,093) (16,397) 103 年度 102 年度 () $ 116,470 (34,713) $ (517,319) (344,220) 2. 指定之避險工具 指定為避險工具 公允價值 被避險項目 之金融商品 103.12.31 102.12.31 CTBC Bank Co., Ltd.Ho Chi Minh City Branch $ (21,219) (14,280) CTBC Capital Corp. (193,935) (136,902) CTBC Bank Corp.(Canada) (4,047) (342) The Tokyo Star Bank, Ltd. 653,560 ( 六 ) 附賣回票券及債券投資 103.12.31 102.12.31 $ 3,835,902 8,836,019 $ 3,840,690 8,484,100 194

< > ( 七 ) 應收款項 淨額 103.12.31 102.12.31 $ 253,319 323,272 64,532,629 62,383,837 82,776,222 85,235,395 10,652,097 6,594,325 7,152,046 5,734,306 21,361 7,900 2,718,710 1,761,148 9,635,589 2,685,780 5,069,430 830,276 8,902,741 9,596,885 191,714,144 175,153,124 (2,274,133) (2,698,302) (225) $ 189,440,011 172,454,597 () 103.12.31 102.12.31 $ 14,843,371 6,523,912 103.12.31 項 目 應收款總額 折溢價調整數 備抵呆帳金額 $ 409,719 295,512 3,930,723 508,012 170,888,584 1,470,609 $ 175,229,026 2,274,133 102.12.31 項 目 應收款總額 折溢價調整數 備抵呆帳金額 $ 693,831 676,980 4,413,555 597,978 161,755,804 (225) 1,423,344 $ 166,863,190 (225) 2,698,302 ( 八 ) 待出售資產 淨額 95% 103.12.31 102.12.31 $ 6,323,343 6,323,343 195

( 九 ) 貼現及放款 淨額 103.12.31 102.12.31 $ 487,906,629 452,899,364 16,067,308 11,150,147 366,238,257 362,746,392 1,273 1,665 102,169,051 95,836,393 4,567,407 3,685,408 1,296,684 1,031,996 978,246,609 927,351,365 873,047,130 370,877,154 15,618,791 4,677,660 1,866,912,530 1,302,906,179 (27,317,101) (17,180,014) (1,597,122) (870,863) 177,984 $ 1,838,176,291 1,284,855,302 () 103.12.31 102.12.31 $ 17,659,396 4,963,896 103 年度 102 年度 89,553 169,348 () 103.12.31 項 目 放款總額 折溢價調整數 備抵呆帳金額 $ 25,166,383 (49,381) 6,602,068 22,796,388 3,496 4,158,796 1,818,949,759 (1,551,237) 16,556,237 $ 1,866,912,530 (1,597,122) 27,317,101 102.12.31 項 目 放款總額 折溢價調整數 備抵呆帳金額 $ 20,403,312 (43,594) 3,739,626 18,902,507 6,177 2,720,937 1,263,600,360 (833,446) 10,719,451 $ 1,302,906,179 (870,863) 17,180,014 196

< > ( 十 ) 備抵呆帳 全體債權組合之潛在風險 應收款項 特定債權 無法收回之 風險 合 計 103 年度 全體債權組合之潛在風險 貼現及放款 特定債權 無法收回之 風險 合 計 其他 ( 註 ) 總 計 $ 1,423,344 1,274,958 2,698,302 10,719,451 6,460,563 17,180,014 430,743 20,309,059 3,450 1,160 4,610 2,939,453 6,376,566 9,316,019 21,070 9,341,699 136,231 124,076 260,307 2,960,675 422,960 3,383,635 13,975 3,657,917 (1,691,160 ) (1,691,160 ) (3,633,657 ) (3,633,657 ) (119,940 ) (5,444,757 ) 1,073,439 1,073,439 1,749,201 1,749,201 225 2,822,865 19,442 19,442 (19,442 ) (92,416 ) 1,609 (90,807 ) (63,342 ) (614,769 ) (678,111 ) 3,705 (765,213 ) $ 1,470,609 803,524 2,274,133 16,556,237 10,760,864 27,317,101 330,336 29,921,570 全體債權組合之潛在風險 應收款項 特定債權 無法收回之 風險 合 計 102 年度 全體債權組合之潛在風險 貼現及放款 特定債權 無法收回之 風險 合 計 其他 ( 註 ) 總 計 $ 680,500 1,322,990 2,003,490 4,851,296 7,126,390 11,977,686 427,929 14,409,105 () 784,784 (454,901 ) 329,883 5,812,704 118,001 5,930,705 162,561 6,423,149 (767,313 ) (767,313 ) (2,839,280 ) (2,839,280 ) (152,308 ) (3,758,901 ) 1,162,393 1,162,393 2,081,817 2,081,817 378 3,244,588 13,956 13,956 (13,956 ) (41,940 ) (2,167 ) (44,107 ) 55,451 (26,365 ) 29,086 6,139 (8,882 ) $ 1,423,344 1,274,958 2,698,302 10,719,451 6,460,563 17,180,014 430,743 20,309,059 () ( 十一 ) 再保險合約資產 淨額 103.12.31 102.12.31 $ 147,125 233,153 72,787 317,125 219,912 550,278 61,458 501,110 25,582 30,055 (6 ) 437 87,034 531,602 $ 306,946 1,081,880 197

( 十二 ) 持有至到期日金融資產 淨額 103.12.31 102.12.31 $ 27,002,028 38,899,472 4,853,462 3,144,422 63,019,091 23,193,018 8,890,595 8,458,020 7,132,778 5,507,446 77,865 102,431 $ 110,975,819 79,304,809 () ( 十三 ) 金融資產證券化 5,031,192 () 受益證券種類 清償順位 發行金額 / 面額 票面利率 支付頻率 A 4,325,000 +0.25% B 250,000 +0.55% C 150,000 +0.80% D 130,000 +1.25% E 176,192 (E) 8,35566,684 103 年度 102 年度 $ 668 1,097 176,425 4,322 11,926 326 (1,411) (3,111) 1,763 3,342 ( 十四 ) 採用權益法之投資 淨額 103.12.31 持股比例 (%) 帳面價值 ()(1,010,880) 21.15 $ 1,768,036 ()(223,050)() 100.00 242,930 ()(58,839) 100.00 62,153 $ 2,073,119 198

< > 102.12.31 持股比例 (%) 帳面價值 ()(1,010,880) 21.15 $ 1,702,873 ()(223,050) 100.00 319,300 ()(58,839) 100.00 54,599 $ 2,076,772 103 年度 102 年度 () $ 97,201 71,838 () (114,393) 2,797 () 5,764 1,171 $ (11,428) 75,806 103.12.31 102.12.31 $ 65,329,408 61,615,436 56,664,817 53,190,128 $ 8,664,591 8,425,308 103 年度 102 年度 $ 1,266,739 1,221,394 $ 350,910 357,971 $ 132,789 (173,925) ( 十五 ) 其他金融資產 淨額 103.12.31 102.12.31 $ 452,022 621,006 (15,254) (31,926) 452,818 438,660 145,269,957 25,266,267 5,805,542 2,943,223 109,430 114,640 (90,078) (99,005) 96,105 32,545,761 9,757,669 700,000 300,000 344,506 380,905 $ 185,574,704 39,787,544 () () CTBC Capital Corp.(CCC)CCC () () 199

( 十六 ) 投資性不動產 淨額 103.12.31 資產名稱 成本 累計折舊 累計減損 帳面價值 $ 4,592,614 4,592,614 222,572 15,611 206,961 1,753,125 1,753,125 $ 6,568,311 15,611 6,552,700 7,484,286 102.12.31 資產名稱 成本 累計折舊 累計減損 帳面價值 $ 892,727 892,727 222,572 9,611 212,961 1,526,207 1,526,207 $ 2,641,506 9,611 2,631,895 2,729,728 103.1.1 本期增加 ( 註 ) 本期減少 其他 103.12.31 $ 892,727 3,699,887 4,592,614 222,572 222,572 1,526,207 226,918 1,753,125 $ 2,641,506 3,926,805 6,568,311 3,699,88776,900 102.1.1 本期增加 本期減少 其他 102.12.31 $ 892,727 892,727 222,572 222,572 1,525,785 422 1,526,207 $ 2,641,084 422 2,641,506 103.1.1 本期增加 本期減少 其他 103.12.31 $ 9,611 6,000 15,611 102.1.1 本期增加 本期減少 其他 102.12.31 $ 3,609 6,002 9,611 ( ) () 99100 26 200

< > ( 十七 ) 不動產及設備 淨額 103.12.31 成 本 累計折舊 累計減損 淨 額 $ 14,751,083 212,396 14,538,687 20,833,639 4,404,794 118,038 16,310,807 92,454 45,097 47,357 6,117,060 3,288,174 2,828,886 6,996,650 6,996,650 430,455 430,455 2,046,577 2,046,577 328,078 148,009 180,069 $ 51,595,996 7,886,074 330,434 43,379,488 102.12.31 成 本 累計折舊 累計減損 淨 額 $ 17,950,969 192,142 17,758,827 10,957,766 3,756,671 107,617 7,093,478 89,831 40,920 48,911 4,754,094 2,912,327 1,841,767 10,093,120 10,093,120 220,069 220,069 1,102,129 1,102,129 298,648 109,222 189,426 $ 45,466,626 6,819,140 299,759 38,347,727 103.1.1 本期增加 ( 註 1) 本期減少 ( 註 1) 其他 ( 匯差 ) 103.12.31 $ 17,950,969 561,604 3,709,088 (52,402) 14,751,083 10,957,766 10,592,049 686,524 (29,652) 20,833,639 89,831 17,248 17,372 2,747 92,454 4,754,094 3,248,606 1,789,725 (95,915) 6,117,060 10,093,120 5,919,853 9,008,921 (7,402) 6,996,650 220,069 932,917 722,531 430,455 1,102,129 1,025,042 80,594 2,046,577 298,648 66,391 33,884 (3,077) 328,078 $ 45,466,626 22,363,710 16,048,639 (185,701) 51,595,996 201

102.1.1 本期增加 ( 註 2) 本期減少 ( 註 2) 其他 ( 匯差 ) 102.12.31 $ 20,847,288 511,407 3,410,353 2,627 17,950,969 13,686,942 1,889,018 4,636,363 18,169 10,957,766 91,247 16,362 14,850 (2,928) 89,831 4,990,532 931,396 1,114,851 (52,983) 4,754,094 6,460,491 3,858,723 226,371 277 10,093,120 16,757 231,557 28,245 220,069 1,102,129 586,525 586,525 1,102,129 289,879 19,005 10,338 102 298,648 $ 47,485,265 8,043,993 10,027,896 (34,736) 45,466,626 1 (1) 3,699,887 (2) 342 (3) 722,189366,966 (4) 58,5368,844,360 116,02820,9145,767 (5) 36,192 (6) 3,69476,900 (7) The Tokyo Star Bank, Ltd. 3,625,294 19,296 2 (1) 3,410,353 (2) 4,334,169 (3) 310 (4) 185,85736,549 67,283 (5) 4,17522,9801,090 (6) 75,187511,338 103.1.1 本期增加 ( 註 1) 本期減少 其他 ( 匯差 ) 103.12.31 $ 3,756,671 1,256,064 550,930 (57,011) 4,404,794 40,920 17,198 14,308 1,287 45,097 2,912,327 1,838,582 1,384,120 (78,615) 3,288,174 109,222 73,480 33,626 (1,067) 148,009 $ 6,819,140 3,185,324 1,982,984 (135,406) 7,886,074 102.1.1 本期增加 本期減少 ( 註 2) 其他 ( 匯差 ) 102.12.31 $ 4,913,085 531,228 1,677,975 (9,667) 3,756,671 38,995 16,857 13,493 (1,439) 40,920 3,367,638 683,679 1,094,608 (44,382) 2,912,327 51,044 63,324 5,146 109,222 $ 8,370,762 1,295,088 2,791,222 (55,488) 6,819,140 1The Tokyo Star Bank,Ltd.1,770,219 21,421,179 202

< > 103.1.1 本期增加 本期減少 其他 ( 匯差 ) 103.12.31 $ 192,142 20,254 212,396 107,617 10,421 118,038 $ 299,759 30,675 330,434 102.1.1 本期增加 本期減少 其他 ( 匯差 ) 102.12.31 $ 177,787 14,355 192,142 99,740 7,877 107,617 $ 277,527 22,232 299,759 () 99100 21.81 ( 十八 ) 無形資產 淨額 103.12.31 102.12.31 $ 12,067,784 12,067,784 4,294,494 1,876,130 627,124 3,094 4,126 $ 16,992,496 13,948,040 633,989(107,778526,211) ()1. 103.1.1 本期增加 ( 註 1) 本期減少 ( 註 1) 其他 ( 匯差 ) 103.12.31 $ 12,067,784 12,067,784 1,876,130 3,475,355 841,977 (215,014) 4,294,494 633,989 6,865 627,124 4,126 1,032 3,094 $ 13,948,040 4,109,344 849,874 (215,014) 16,992,496 102.1.1 本期增加 ( 註 2) 本期減少 ( 註 2) 其他 ( 匯差 ) 102.12.31 $ 12,067,784 12,067,784 1,874,138 634,059 621,135 (10,932) 1,876,130 4,556 430 4,126 $ 13,941,922 638,615 621,565 (10,932) 13,948,040 1265,8305,767 713The Tokyo Star Bank, Ltd.1,617,189 635,130 2322,3002,598 203

( 十九 ) 其他資產 淨額 103.12.31 102.12.31 $ 5,693,726 3,990,328 26,940 20,763 109,656 116,382 187,588 97,983 17,276,718 3,108,538 2,786,629 2,853,912 1,714,669 1,570,716 726,042 1,600,591 522,997 67,764 $ 29,044,965 13,426,977 3,364,140( ) () 400,000 ( 二十 ) 央行及金融同業存款 103.12.31 102.12.31 $ 141,868 151,062 4,399,721 1,592,487 3,183,655 3,746,997 3,025,236 1,131,072 39,183,948 41,787,894 $ 49,934,428 48,409,512 ( 廿一 ) 央行及同業融資 103.12.31 102.12.31 $ 47,670,033 3,217,210 6,817,110 4,166,820 4,647,941 783,820 $ 59,135,084 8,167,850 1. 103.12.31 102.12.31 () $ 64,516 107,419 6M LIBOR 0.32%~6M LIBOR 108726 108726 2. The Tokyo Star Bank, Ltd. 103.12.31 102.12.31 () $ 172,100,000 0.10% 10566 204

< > 1. CTBC Bank Corp. (USA) 103.12.31 102.12.31 () $ 85,000 85,000 0.91%~2.96% 0.91%~5.62% 1091231 1091231 2. PT. Bank CTBC Indonesia 103.12.31 102.12.31 () $ 908,637,638 659,266,300 0.70%~1.83% 0.72%~9.60% 105923 105719 3. The Tokyo Star Bank, Ltd. 103.12.31 102.12.31 () $ 5,272,669 1.48% 12112 4. 103.12.31 102.12.31 () $ 400,000 1.15% 10419 1. 103.12.31 102.12.31 () $ 103,028 () 132,000 100,000 LIBOR+1.8%~6.46% 5.23%~6.46% 106828 105108 ( 廿二 ) 附買回票券及債券負債 資產項目 有價證券面額 賣出金額 ( 帳列附買回票券及債券負債 ) 103.12.31 約定買回金額 約定買回日期 $ 9,655,000 9,721,298 9,724,376 1040324 47,220,992 48,188,404 48,212,556 1040420 7,021,560 7,093,119 7,097,875 1040623 $ 63,897,552 65,002,821 65,034,807 資產項目 有價證券面額 賣出金額 ( 帳列附買回票券及債券負債 ) 102.12.31 約定買回金額 約定買回日期 $ 10,936,700 10,956,379 10,958,607 1030213 42,331,857 43,774,699 43,792,826 1030325 9,798,700 10,064,470 10,072,070 1030703 $ 63,067,257 64,795,548 64,823,503 205

( 廿三 ) 應付商業本票 淨額 銀行 / 票券公司 103.12.31 102.12.31 $ 2,615,000 200,000 1,822,000 1,600,000 600,000 500,000 7,137,000 200,000 (21,119) (15) $ 7,115,881 199,985 0.58%~0.91% 0.75% 103.07.24~104.07.22 102.12.26~103.01.03 ( 廿四 ) 應付款項 103.12.31 102.12.31 $ 5,154,271 5,177,519 5,873,978 5,773,424 16,619,439 13,428,569 12,578,134 3,109,553 7,081,043 4,806,111 3,590,730 1,982,015 1,197,890 534,793 131,974 98,950 3,467,222 2,589,013 494,980 409,443 9,294,347 5,838,647 1,042,395 714,081 2,147,577 330,243 577,732 1,448,278 968,485 1,177,813 704,952 255,683 570,617 6,596,736 1,150,752 3,837,442 1,652,849 $ 81,989,932 50,417,748 206

< > ( 廿五 ) 存款及匯款 103.12.31 102.12.31 $ 8,349,727 7,939,114 135,660,522 137,125,340 529,450,692 483,058,632 7,015,292 7,713,523 672,126,506 627,897,495 180,194,589 199,302,473 357,349,403 313,555,393 1,370,200 1,100,800 10,370,000 10,975,874 12,323,000 21,893,000 561,607,192 546,827,540 1,242,083,425 1,182,664,149 1,167,233,239 541,939,376 167 203 216,494 53,327 1,146,223 691,878 $ 2,410,679,548 1,725,348,933 207

( 廿六 ) 應付債券 債券名稱 103.12.31 102.12.31 5.625% Stepup Callable Perpetual Subordinated Notes $ 15,859,998 14,976,465 945 12,000,000 12,000,000 951 3,100,000 3,100,000 963 1,500,000 964 2,000,000 971 2,000,000 2,000,000 972 700,000 700,000 973 3,050,000 3,350,000 1001 12,900,000 12,900,000 1011 12,000,000 12,000,000 1021 5,103,000 4,947,000 1031() 20,000,000 1032() 15,000,000 1031()(5) 9,198,220 1032()(5) 23,566,474 No.4 Callable Unsecured Bond 265,100 No.6 Callable Unsecured Bond 291,610 No.7 Callable Unsecured Bond 265,100 No.10 Callable Unsecured Bond 1,643,620 No.11 Callable Unsecured Bond 556,710 No.12 Callable Unsecured Bond 1,829,190 No.13 Callable Unsecured Bond 1,590,600 No.14 Callable Unsecured Bond 530,200 No.15 Callable Unsecured Bond 265,100 No.16 Callable Unsecured Bond 291,610 No.17 Callable Unsecured Bond 1,086,910 203,130 812,733 (74,580) (16,249) (5) (32,764,694) $ 110,457,298 70,269,949 208

< > 交 易 條 件 債 券 債券名稱 起始日 到期日 利 率 種 類 5.625% Stepup Callable 94/03/17 5.625% Perpetual Subordinated Notes USD 6M LIBOR+1.86% 945 94/11/29 A3.35%90 CP+1.85%B3.35% 4.35% 951 95/05/17 105/05/17 2.14% 963 96/12/14 103/12/14 0.40%(1) 964 96/12/18 103/12/18 3.05% 971 97/04/10 112/04/10 3.49% 972 97/04/25 3.60%4.60% 973 97/04/25 104/04/25 A3.10%B3.00%(2) 1001 100/09/27 110/09/27 A1.80%B1.95% 0.55%(3) 1011 101/02/20 111/02/20 A1.66%B1.80% 1021 102/03/12 105/03/12 2.90% 1031() 103/06/18 A3.70%B4.00% 1032() 103/06/26 118/06/26 A2.00%B0.45%(4) 1031() 103/10/09 123/10/09 4.10%(5) 1032() 103/11/26 133/11/26 0%(5) No.4 Callable Unsecured Bond 99/01/13 109/01/14 3.49% No.6 Callable Unsecured Bond 99/03/30 109/03/30 4.00% No.7 Callable Unsecured Bond 99/06/29 109/06/29 3.89% No.10 Callable Unsecured Bond 100/09/30 110/09/30 5.25% No.11 Callable Unsecured Bond 101/06/29 111/06/29 4.00% No.12 Callable Unsecured Bond 101/09/28 109/09/28 3.70% No.13 Callable Unsecured Bond 101/09/28 111/09/28 4.50% No.14 Callable Unsecured Bond 101/10/26 111/10/26 3.80% No.15 Callable Unsecured Bond 101/12/14 111/12/14 3.50% No.16 Callable Unsecured Bond 102/03/13 112/03/13 3.28% No.17 Callable Unsecured Bond 102/06/06 112/06/06 3.26% 1 ()616590CP/BA11:00 2 B 3 616590CP/BA11:00 (TAIBOR) 4 616590CP/BA11:006165 TAIBIR 90TAIBIR 02 5 10311032() () 209

( 廿七 ) 負債準備 103.12.31 102.12.31 $ 960,960 1,027,476 4,224,545 3,942,062 206,828 287,508 316,024,254 181,611,834 2,824 1,208,508 784,217 183,255 162 6,964,428 7,217,216 $ 329,775,602 194,870,475 () ( 廿八 ) 其他金融負債 103.12.31 102.12.31 $ 16,763 259,472 330,240 177,946 187,584 136,203,107 15,456,071 32,545,761 9,757,669 47,983 $ 169,234,269 25,748,327 () ( 廿九 ) 其他負債 103.12.31 102.12.31 $ 2,194,901 1,661,863 916,005 968,121 613,244 705,570 32,424,045 1,054,915 2,320,260 4,910,663 966,913 705,904 1,589,678 280,686 484,723 $ 39,455,045 12,342,446 () ( 三十 ) 員工福利 1. 6% 551,925 450,101 210

< > 2. 103.12.31 102.12.31 $ 3,739,521 3,593,300 224,895 211,315 $ 3,964,416 3,804,615 (1) 103.12.31 102.12.31 $ 9,345,442 8,932,322 (5,617,576) (5,350,947) $ 3,727,866 3,581,375 A. B. 227,722239,304 C. 103 年度 102 年度 11 $ 8,932,322 9,101,318 160,166 182,741 169,206 136,520 (287,361) (502,899) 371,109 14,642 1231 $ 9,345,442 8,932,322 D. 103 年度 102 年度 11 $ 5,350,947 5,300,866 423,051 416,348 (287,361) (502,899) 101,317 79,514 29,622 57,118 1231 $ 5,617,576 5,350,947 E. () 103 年度 102 年度 11 $ (481,492) (523,968) (343,048) 42,476 1231 $ (824,540) (481,492) 211

F. 103 年度 102 年度 1.50% ~ 1.85% 1.75%~1.90% 1.50% ~ 1.85% 1.75%~1.90% 2.30% ~ 3.00% 2.00%~3.00% G. 103.12.31 102.12.31 101.12.31 101.1.1 $ 9,345,442 8,932,322 9,101,318 8,640,837 5,617,576 5,350,947 5,300,866 5,208,556 $ 3,727,866 3,581,375 3,800,452 3,432,281 $ 338,490 292,926 300,656 $ (29,622) (57,118) 45,003 $ 32,619 (278,284) 178,309 H. 9,345,442 0.25%152,698 157,189 (2) 103.12.31 102.12.31 $ 224,895 211,315 $ 224,895 211,315 A. 21,64218,890 B. 103 年度 102 年度 11 $ 211,315 209,997 6,549 6,226 (14,689) (13,363) 15,093 12,664 () 6,627 (4,209) 1231 $ 224,895 211,315 C. () 103 年度 102 年度 11 $ (35,088) (39,297) (6,627) 4,209 1231 $ (41,715) (35,088) 212

< > D. 103 年度 102 年度 員工優惠存款 其他退職後福利 員工優惠存款 其他退職後福利 4.00% 2.00% 4.00% 2.00% 2.00% 2.00% 2.00% 2.00% / 1.15% 32%~70% 1.50% 31%~69% 50.00% % 50.00% % E. 103.12.31 102.12.31 101.12.31 101.1.1 $ 224,895 211,315 209,997 157,131 $ 224,895 211,315 209,997 157,131 $ (1,103 ) 2,904 39,297 $ F. 224,8950.25% 6,5707,202 3. 103.12.31 102.12.31 $ 260,129 137,447 119,56289,303 ()44,992(38,446) ( 卅一 ) 保險業負債 1. 103.12.31 102.12.31 $ 891,855 332,864 409,486 203,478 311,007,647 178,979,899 3,715,266 2,095,593 $ 316,024,254 181,611,834 213

2. 103.12.31 保險合約 具裁量參與特性之金融商品 合計 $ 30 30 298,912 298,912 572,349 572,349 5,298 5,298 15,266 15,266 891,855 891,855 54,280 54,280 (1,561) (1,561) 10,166 10,166 25 25 (1,452) (1,452) 61,458 61,458 $ 830,397 830,397 102.12.31 保險合約 具裁量參與特性之金融商品 合計 $ 12 12 189,224 189,224 140,299 140,299 1,242 1,242 2,087 2,087 332,864 332,864 338,070 338,070 491 491 161,882 161,882 22 22 645 645 501,110 501,110 $ (168,246) (168,246) 103 年度 保險合約 具裁量參與特性之金融商品 合計 $ 332,864 332,864 455,027 455,027 103,962 103,962 2 2 891,855 891,855 501,110 501,110 16,614 16,614 (456,266) (456,266) 61,458 61,458 $ 830,397 830,397 214

< > 102 年度 保險合約 具裁量參與特性之金融商品 合計 $ 278,803 278,803 54,061 54,061 332,864 332,864 475,519 160 475,679 25,591 (160 ) 25,431 501,110 501,110 $ (168,246 ) (168,246 ) 3. 保險合約 103.12.31 具裁量參與特性之金融商品 $ 24,537 24,537 34,785 34,785 66,328 66,328 162,109 162,109 81,260 81,260 1,027 3,912 4,939 1,055 1,055 34,473 34,473 405,574 3,912 409,486 1,889 1,889 (5,558 ) (5,558 ) 12,633 12,633 16,618 16,618 25,582 25,582 $ 379,992 3,912 383,904 合計 215

102.12.31 保險合約 具裁量參與特性之金融商品 合計 $ 19,809 8,585 28,394 9,046 9,046 58,091 58,091 6,312 6,312 50,891 50,891 903 903 49,841 49,841 194,893 8,585 203,478 2,089 2,089 101 101 (133) (133) 27,998 27,998 30,055 30,055 $ 164,838 8,585 173,423 103 年度 保險合約 具裁量參與特性之金融商品 合計 $ 194,893 8,585 203,478 177,450 177,450 227,894 3,435 231,329 (194,893) (8,585) (203,478) 230 477 707 405,574 3,912 409,486 30,055 30,055 11,459 11,459 (15,932) (15,932) 25,582 25,582 $ 379,992 3,912 383,904 216 102 年度 保險合約 具裁量參與特性之金融商品 合計 $ 198,362 297 198,659 194,996 8,491 203,487 (198,362) (297) (198,659) (103) 94 (9) 194,893 8,585 203,478 29,586 29,586 469 469 30,055 30,055 $ 164,838 8,585 173,423

< > 4. 103.12.31 保險合約 具裁量參與特性之金融商品 合計 $ 266,477,676 4,696,688 271,174,364 23,803,949 23,803,949 669,195 15,234,933 15,904,128 266 266 80,388 80,388 43,665 43,665 887 887 $ 291,076,026 19,931,621 311,007,647 102.12.31 保險合約 具裁量參與特性之金融商品 合計 $ 147,048,388 5,237,081 152,285,469 13,087,278 13,087,278 605,984 12,984,977 13,590,961 14,218 14,218 911 1,062 1,973 $ 160,756,779 18,223,120 178,979,899 103 年度 保險合約 具裁量參與特性之金融商品 合計 $ 160,756,779 18,223,120 178,979,899 26,139,140 26,139,140 106,849,178 2,344,974 109,194,152 (5,879,754) (1,087,032) (6,966,786) 3,210,683 450,559 3,661,242 $ 291,076,026 19,931,621 311,007,647 102 年度 保險合約 具裁量參與特性之金融商品 合計 $ 109,754,732 9,875,680 119,630,412 54,512,439 9,541,222 64,053,661 (3,657,859) (1,434,328) (5,092,187) 147,467 240,546 388,013 $ 160,756,779 18,223,120 178,979,899 5. 103.12.31 保險合約 具裁量參與特性之金融商品 合計 $ (340,138) (340,138) 340,138 340,138 $ 217

103 年度 保險合約 具裁量參與特性之金融商品 合計 $ (792,052) (792,052) 792,052 792,052 451,914 451,914 (451,914) (451,914) $ 6. 103.12.31 保險合約 具裁量參與特性之金融商品 合計 $ 3,686,749 3,686,749 28,517 28,517 3,715,266 3,715,266 (6) (6) (6) (6) $ 3,715,272 3,715,272 102.12.31 保險合約 具裁量參與特性之金融商品 合計 $ 2,087,211 2,087,211 2,038 2,038 5,225 5,225 1,119 1,119 2,095,593 2,095,593 (3) (3) 2 2 (1) (1) 439 439 437 437 $ 2,095,156 2,095,156 103 年度 保險合約 具裁量參與特性之金融商品 合計 $ 2,095,593 2,095,593 32,767 32,767 1,978,463 1,978,463 (495,858) (495,858) 104,301 104,301 3,715,266 3,715,266 437 437 (443) (443) (6) (6) $ 3,715,272 3,715,272 218

< > 102 年度 保險合約 具裁量參與特性之金融商品 合計 $ 751,335 36 751,371 1,329,998 1,329,998 (36) (36) 14,260 14,260 2,095,593 2,095,593 47 47 390 390 437 437 $ 2,095,156 2,095,156 7. 保險合約及具裁量參與特性之金融商品 103.12.31 102.12.31 $ 311,007,647 178,979,899 891,855 332,864 409,486 203,478 3,715,266 2,095,593 316,024,254 181,611,834 (627,124) $ 315,397,130 181,611,834 $ 281,105,775 149,316,050 $ 103.12.31 (GPV) (1) (2) () 102.12.31 (GPV) (1) (2) () 219

8. () 103.12.31 102.12.31 $ 2,824 103 年度 102 年度 $ 711 2,145 (32 ) $ 2,824 9. (1) 103 年度 保險合約 具裁量參與特性之金融商品 合計 $ 112,697,514 2,582,858 115,280,372 (2) (2) 112,697,512 2,582,858 115,280,370 653,209 653,209 560,228 560,228 1,213,437 1,213,437 $ 111,484,075 2,582,858 114,066,933 102 年度 保險合約 具裁量參與特性之金融商品 合計 $ 58,402,996 9,254,019 67,657,015 58,402,996 9,254,019 67,657,015 1,118,698 1,118,698 28,469 161 28,630 1,147,167 161 1,147,328 $ 57,255,829 9,253,858 66,509,687 (2) 103 年度 保險合約 具裁量參與特性之金融商品 合計 $ 7,259,462 1,831,384 9,090,846 347 347 7,259,809 1,831,384 9,091,193 348,456 348,456 $ 6,911,353 1,831,384 8,742,737 102 年度 保險合約 具裁量參與特性之金融商品 合計 $ 4,504,183 1,434,411 5,938,594 65 65 4,504,248 1,434,411 5,938,659 421,837 421,837 $ 4,082,411 1,434,411 5,516,822 220

< > 10. (1) 1,985,000803,600 798,422823,364 (2) A.1,208,508 784,217 B. 103 年度 102 年度 $ 784,217 241,067 1,304 110,194 132,828 498,925 672,392 609,119 805,220 (186,132) (262,070) $ 1,208,508 784,217 (3) 影響項目 未適用金額 適用金額 影響數 1031231 $ 1,208,508 (1,208,508) 29,040,510 28,233,518 806,992 1021231 784,217 (784,217) 24,614,486 24,158,573 455,913 103 年度 102 年度 影響項目 未適用金額 適用金額 影響數 未適用金額 適用金額 影響數 $ 1,928,200 1,577,121 351,079 875,179 424,364 450,815 1.68 1.37 0.31 1.69 0.82 0.87 11. (1) 103 年度 102 年度 $ 130 (130) $ (2) 103 年度 102 年度 $ 312 (312) $ 221

12. () () () 103.12.31 具裁量參與特性 保險合約 之金融商品 其他 合計 $ 336,499 336,499 1,829,728 1,829,728 $ 2,166,227 2,166,227 102.12.31 保險合約 具裁量參與特性之金融商品 其他 合計 $ 241,069 241,069 1,745,370 1,745,370 $ 1,986,439 1,986,439 ( 卅二 ) 所得稅 1. 103 年度 102 年度 $ (6,194,144) (3,761,594) 476,510 3,719,719 $ (5,717,634) (41,875) () 103 年度 102 年度 $ 119,240 199,104 (526,565) 965,201 57,810 (7,813) $ (349,515) 1,156,492 103 年度 102 年度 $ 39,443,580 21,510,240 (5,717,634) (41,875) 45,161,214 21,552,115 $ (16,171,492) (8,177,253) (51,417) (243,408) 11,600,481 5,335,310 (1,043,967) (42,200) (51,239) 3,085,676 $ (5,717,634) (41,875) 222

< > 2. 103 年度 期初餘額 認列於損益 認列於其他綜合損益 其他 ( 註 ) 期末餘額 $ 201,135 (71,035) 130,100 124,098 113,576 (92,494) 145,180 1,367,281 260,682 1,597,428 3,225,391 () 60,881 (1,669 ) 157,800 217,012 561,014 (124,038 ) 401,769 838,745 174,671 (11,308 ) 163,363 626,445 119,240 1 745,686 95,284 57,810 (94,996 ) 58,098 (14,910 ) (5,236 ) (526,565 ) (472,619 ) (1,019,330 ) () (7,348 ) 2,153 (5,195 ) 1,167 (107,778 ) (106,611 ) 3,181,122 312,218 (144,284 ) 3,349,056 () $ 6,369,673 476,510 (349,515 ) 1,244,827 7,741,495 $ 6,699,337 9,526,337 (329,664 ) (1,784,842 ) $ 6,369,673 7,741,495 :The Tokyo Star Bank,Ltd. 102 年度 期初餘額 認列於損益 認列於其他綜合損益 其他 期末餘額 $ 709,346 (508,211) 201,135 (365,277) 365,277 383,288 (253,450 ) (5,740 ) 124,098 800,640 552,426 14,215 1,367,281 197 (197 ) () 33,538 29,351 (2,008 ) 60,881 568,576 (30,396 ) 22,834 561,014 186,570 (11,899 ) 174,671 427,341 199,104 626,445 103,097 (7,813 ) 95,284 (980,111 ) 965,201 (14,910 ) () (7,348 ) (7,348 ) (379,528 ) 3,584,166 (23,516 ) 3,181,122 () $ 1,487,677 3,719,719 1,156,492 5,785 6,369,673 $ 3,146,825 6,699,337 (1,659,148 ) (329,664 ) $ 1,487,677 6,369,673 223

3. 核定年度 核定說明事項 98 98 98 98 98 98 98 98 97 100 101 復查年度 復查內容 96 97 96 97 96 94~96 97 96 97 96 97 訴願年度 訴願內容 92~95 93 94 95 94~95 92~95 ( 卅三 ) 兩稅合一相關資訊 103.12.31 102.12.31 1. $ 145,017 2. 102 年度 101 年度 12.97% 15.79% 14.48% 10.78% 3. 10204562810 224

< > ( 卅四 ) 股本 資本公積 庫藏股及其他權益 1. 1,333,40010 1520,001,00012,238 1010060537 9,625,298962,530 5,443,255544,326 180,000,0001018,000,000 152,572,81515,257,281 2. 103.12.31 102.12.31 $ 22,354,358 22,354,358 1,499,326 1,499,326 (8,333) (8,590) $ 23,845,351 23,845,094 3. 12 19.71,457 4. 備供出售金融 國外營運機構財務 商品未實現 ( 損 ) 益 報表換算之兌換差額 其他 合計 $ (4,636,589) (4,075,590) (4,485) (8,716,664) 7,124,071 7,124,071 (5,262,394) (5,262,394) (206,032) (206,032) 817,861 817,861 43,590 43,590 466,856 466,856 $ (2,731,322) (3,463,761) 462,371 (5,732,712) 225

226 備供出售金融國外營運機構財務 商品未實現損益報表換算之兌換差額其他合計 $ 1,786,977 (3,423,881 ) (2,947 ) (1,639,851 ) (2,979,868 ) (2,979,868 ) (3,377,680 ) (3,377,680 ) (414,794 ) (414,794 ) (236,915 ) (236,915 ) (66,018 ) (1,538 ) (67,556 ) $ (4,636,589 ) (4,075,590 ) (4,485 ) (8,716,664 ) ( 卅五 ) 盈餘分配及股利政策 0.1 5,590,3705,443,2555,541110,830 5,539110,78052 9,011180,2219,045180,903 716 10,697213,950 16,147 ( 卅六 ) 股份基礎給付交易 99 年度經營分紅增值計畫 100 年度經營分紅增值計畫 101 年度經營分紅增值計畫 102 年度經營分紅增值計畫 100.01.26 101.01.13 102.02.05 103.01.28 119,366 107,292 157,824 226,413 102.12.31 103.12.31 104.12.31 105.12.31 23.63 19.05 16.69 20.07

< > 103 年度 100 年度經營分紅增值計畫 101 年度經營分紅增值計畫 102 年度經營分紅增值計畫 數量 加權平均履約價格 數量 加權平均履約價格 數量 加權平均履約價格 116,870 14.23 170,672 14.02 226,413 18.99 6,703 14.23 9,652 14.02 12,843 18.99 1,257 14.23 2,032 14.02 3,496 18.99 122,316 14.23 838 14.02 702 18.99 14.23 14.02 18.99 14.23 177,454 14.02 235,058 18.99 14.23 14.02 18.99 102 年度 99 年度經營分紅增值計畫 100 年度經營分紅增值計畫 101 年度經營分紅增值計畫 數量 加權平均履約價格 數量 加權平均履約價格 數量 加權平均履約價格 127,247 16.93 109,727 15.04 157,824 14.82 14,621 16.93 13,847 15.04 19,926 14.82 1,591 16.93 2,864 15.04 2,953 14.82 140,277 16.93 3,840 15.04 4,126 14.82 16.93 15.04 14.82 16.93 116,870 15.04 170,671 14.82 16.93 15.04 14.82 100101102 20.8419.5020.23 100101102 012 103 17,05120.35 ( 卅七 ) 每股盈餘 103 年度 102 年度 $ 39,437,007 21,502,785 () 15,256,727 14,847,879 () $ 2.58 1.45 227

( 卅八 ) 利息淨收益 103 年度 102 年度 $ 42,827,834 32,133,366 2,835,373 2,750,316 12,319,233 7,559,259 334,353 285,270 4,367,105 1,169,612 1,048,357 1,041,146 300,422 245,830 3,409,474 2,604,512 67,442,151 47,789,311 16,202,067 11,231,298 366,150 271,992 3,645,987 2,798,362 276,064 290,476 390,592 36,961 20,880,860 14,629,089 $ 46,561,291 33,160,222 ( 卅九 ) 手續費及佣金淨收益 103 年度 102 年度 $ 4,802,392 4,715,525 5,852,182 5,534,463 3,663,840 2,729,454 4,022,140 3,133,320 6,626,096 5,608,682 451,818 416,229 5,359,550 5,007,165 101,450 63,511 30,879,468 27,208,349 (224,636) (185,848) (278,919) (297,264) (246,185) (197,911) (1,413,264) (736,425) (6,081,293) (3,164,060) (67,714) (8,860) (402,742) (365,060) (4,015) (2,940) (8,718,768) (4,958,368) $ 22,160,700 22,249,981 228

< > ( 四十 ) 保險業務淨收益 103 年度 102 年度 $ 108,499,178 56,517,134 2,578,901 9,262,548 3,449,449 1,507,324 334,760 220,229 306,093 65,053 14,432 1,994 115,182,813 67,574,282 (2) 348,456 421,837 2,805,654 1,535,124 118,336,921 69,531,243 (653,209) (1,118,698) (967) (372) (857,440) (496,240) (108,246) (42,403) (2,136,110) (1,339,004) (1,656,313) (1,319,293) (4,758,109) (3,196,940) (347) (65) (215,075) (43,656) (4,117,663) (2,697,997) (131,997) (67,745) (2,805,654) (1,535,124) (12,683,021) (8,660,597) $ 105,653,900 60,870,646 229

( 卌一 ) 透過損益按公允價值衡量之金融資產及負債損益 103 年度 102 年度 $ 6,143 6,194 241 187 (82,946) 48,139 23,747 (284) 36,190 53,899 35,326 49,575 259 1,012 635,964 223,888 47,452 (8,445) 4,259,967 4,004,008 (18,017) 2,491 945 (30,703) 4,945,271 4,349,961 4,114 (1,838) (234) 841 41,870 (9,682) (677) 6,077 2,601,584 759,131 99,731 210,611 (50) (770) (150,535) 54,075 30,771 (1,754) (10,269) 161,860 1,455,748 331,342 6,963 8,718 (658,334) (788,408) 3,420,682 730,203 107,063 98,656 634,786 539,344 (185,457) $ 8,922,345 5,718,164 ( 卌二 ) 投資性不動產損益 103 年度 102 年度 $ 25,911 23,022 (6,000) (6,002) (3,153) (892) (12,050) (405) $ 4,708 15,723 230

< > ( 卌三 ) 備供出售金融資產之已實現損益 103 年度 102 年度 $ 729,054 583,352 1,434,307 1,052,596 330,101 43,500 69,039 (34,399) 1,504,025 1,340,535 970,724 371,940 209,685 15,459 20,156 $ 5,262,394 3,377,680 ( 卌四 ) 資產減損損失 103 年度 102 年度 $ 37,531 19,754 30,675 22,232 (8,355) 6,248 6,710 () (7,133) $ 66,099 41,563 ( 卌五 ) 其他利息以外淨收益 103 年度 102 年度 $ 195,227 340,915 155,868 103,498 87,148 81,223 156,834 117,001 3,899 2,512 25,241 58,536 (1,673) (28,131) (33,154) (15,709) (17,742) (28,330) 1,309 226 (422,987) (543,150) 486,610 815,759 384,686 $ 1,452,339 473,277 231

( 卌六 ) 經營投資型保險業務之相關資產 負債 收益及費用 103.12.31 102.12.31 $ 695,393 81,488 31,762,114 9,528,513 88,254 147,668 $ 32,545,761 9,757,669 $ 11,279,980 3,206,323 21,139,983 6,508,990 125,798 42,356 $ 32,545,761 9,757,669 103 年度 102 年度 $ 1,976,766 1,080,839 323,821 435,432 384,289 2,728 120,778 16,125 $ 2,805,654 1,535,124 $ 147,203 319,922 2,198,223 806,267 22,031 336,765 438,197 72,170 $ 2,805,654 1,535,124 68,629 11,561 ( 卌七 ) 呆帳費用及保證責任準備提存 103 年度 102 年度 $ 3,370,468 5,923,305 (519,061) (672,913) 779,368 1,002,796 () (107,115) 2,435 96,170 147,628 24,920 12,498 $ 3,644,750 6,415,749 ( 卌八 ) 保險負債準備淨變動 103 年度 102 年度 $ 102,227,366 58,961,474 43,783 4,359 1,483,048 1,329,572 560,228 28,630 2,113 (252,788) (322,848) $ 104,063,750 60,001,187 232

< > ( 卌九 ) 員工福利費用 103 年度 102 年度 $ 21,915,471 18,047,747 1,402,160 1,073,221 1,125,345 1,142,024 551,925 450,101 368,926 347,497 1,462,856 1,210,403 $ 26,826,683 22,270,993 17,00813,195 ( 伍十 ) 折舊及攤銷費用 103 年度 102 年度 $ 569,174 531,228 300,719 281,515 36,961 39,104 508,251 443,241 1,415,105 1,295,088 755,502 618,537 21,242 32,609 776,744 651,146 $ 2,191,849 1,946,234 ( 伍十一 ) 其他業務及管理費用 103 年度 102 年度 $ 4,398,806 3,424,815 1,608,739 1,463,070 4,931,750 3,354,148 2,980,195 1,859,627 2,594,531 3,150,334 3,024,420 1,728,347 $ 19,538,441 14,980,341 233

( 伍十二 ) 金融商品之揭露 1. 103.12.31 金融資產 帳面價值 公允價值 $ 133,647,130 133,647,130 274,292,402 274,292,402 60,260,064 60,260,064 683,051,006 683,051,006 3,835,902 3,835,902 189,440,011 189,440,011 1,689,188 1,689,188 1,838,176,291 1,838,176,291 147,125 147,125 72,787 72,787 110,975,819 110,933,490 185,574,704 186,435,977 1,190,878 1,190,878 1,863,592 1,863,592 20,857,801 20,857,801 1,325,241 1,325,241 8,953,980 8,953,980 23,528,704 23,528,704 () 26,057 26,057 178,126 178,126 13,994 13,994 70,495 70,495 572 572 24,034 24,034 318 318 4,875 4,875 1,499,486 1,499,486 234

< > 103.12.31 金融負債 帳面價值 公允價值 $ 49,934,428 49,934,428 59,135,084 59,135,084 30,265,656 30,265,656 65,002,821 65,002,821 7,115,881 7,115,881 81,989,932 81,989,932 4,467,017 4,467,017 2,410,679,548 2,410,679,548 110,457,298 110,457,298 169,234,269 169,234,269 1,561,563 1,561,563 2,293,480 2,293,480 25,621,201 25,621,201 2,599,011 2,599,011 10,639,050 10,639,050 22,077,832 22,077,832 130,579 130,579 62,395 62,395 13,994 13,994 494 494 1 1 21,475 21,475 1,865 1,865 3,981 3,981 916,322 916,322 235

102.12.31 金融資產 帳面價值 公允價值 $ 115,161,162 115,161,162 125,125,631 125,125,631 55,846,892 55,846,892 428,929,904 428,929,904 8,836,019 8,836,019 172,454,597 172,454,597 1,449,398 1,449,398 1,284,855,302 1,284,855,302 233,153 233,153 317,125 317,125 79,304,809 79,896,121 39,787,544 39,787,544 1,018,634 1,018,634 1,869,147 1,869,147 11,950,067 11,950,067 563,002 563,002 7,862,373 7,862,373 3,913,356 3,913,356 () 51,370 51,370 161,968 161,968 7,027 7,027 586 586 81,211 81,211 43,996 43,996 910,113 910,113 236

< > 102.12.31 金融負債 帳面價值 公允價值 $ 48,409,512 48,409,512 8,167,850 8,167,850 51,171 51,171 64,795,548 64,795,548 199,985 199,985 50,417,748 50,417,748 2,354,133 2,354,133 1,725,348,933 1,725,348,933 70,269,949 70,269,949 25,748,327 25,748,327 562,148 562,148 1,689,215 1,689,215 11,328,874 11,328,874 1,032,426 1,032,426 7,800,757 7,800,757 5,527,911 5,527,911 236,830 236,830 47,763 47,763 8,383 8,383 3,532 3,532 75,047 75,047 11 11 255,112 255,112 2. (1) (2) (3) (4) (5) ( ) 237

(6) Black Scholes Model (7) (Reuters)(Bloomberg) 3. (1) 103.12.31 以公允價值衡量之金融商品項目 合 計 第一等級 ( 註 1) 第二等級 ( 註 2) 第三等級 ( 註 3) $ 1,403,597 1,183,990 219,607 45,606,919 9,772,875 35,834,044 1,155,883 1,155,883 2,842,058 2,842,058 6,639,722 6,639,681 41 2,611,885 2,611,885 22,492,412 21,931,957 560,455 627,765,551 216,844,925 410,078,005 842,621 32,793,043 28,110,687 4,452,142 230,214 5,417 5,417 30,260,239 30,260,239 $ 58,038,667 80,913 45,589,226 12,368,528 1,499,486 1,347,553 151,933 65,026,921 176,876 50,514,662 14,335,383 916,322 916,322 238

< > 102.12.31 以公允價值衡量之金融商品項目 合 計 第一等級 ( 註 1) 第二等級 ( 註 2) 第三等級 ( 註 3) $ 3,366,763 2,896,553 470,210 51,449,066 11,942,349 39,506,717 745,820 745,820 285,243 285,243 14,106,284 13,305,500 800,784 388,633,351 61,513,904 326,615,286 504,161 26,190,269 26,190,053 216 51,171 51,171 $ 27,522,737 150,260 24,610,973 2,761,504 910,113 91,326 818,787 28,312,897 343,105 25,205,379 2,764,413 255,112 255,112 (2) 103 年度 評價損益之金額 本期增加 本期減少 自第三等級金融負債轉入第三等級 自第三等級金融資產轉出第三等級金融負債 自其他層級 自第三等級 列入其他 轉入 賣出 處分 轉出 名稱 期初餘額 列入損益 綜合損益 買進或發行 第三等級 金融資產 或交割 其他層級 期末餘額 $ 2,761,504 12,667,780 1,796,927 1,148,480 67,128 4,765,926 1,307,365 12,368,528 285,243 141,721 2,184,962 2,611,926 504,161 25,983 38,434 809,362 305,105 1,072,835 818,787 (666,854) 151,933 $ 4,369,695 12,168,630 38,434 4,791,251 1,148,480 67,128 5,071,031 1,307,365 16,205,222 239

102 年度 評價損益之金額 本期增加 本期減少 自第三等級金融負債轉入第三等級 自第三等級金融資產轉出第三等級金融負債 自其他層級 自第三等級 列入其他 轉入 賣出 處分 轉出 名稱 期初餘額 列入損益 綜合損益 買進或發行 第三等級 金融資產 或交割 其他層級 期末餘額 $ 2,127,504 9,104,768 844,916 8,683,217 27,862 7,873,714 10,153,049 2,761,504 (14,757) 300,000 285,243 481,542 13,931 13,539 4,851 504,161 1,433,060 (614,273) 818,787 $ 4,042,106 8,489,669 13,539 1,144,916 8,683,217 27,862 7,878,565 10,153,049 4,369,695 (3) 103 年度 評價損益之金額 本期增加 本期減少 自第三等級 名稱 期初餘額 評價損益列入其他損益之金額 列入其他綜合損益 買進或發行 自其他層級轉入第三等級 金融資產轉入第三等級金融負債 賣出 處分或交割 自第三等級轉出其他層級 自第三等級金融負債轉出第三等級金融資產 期末餘額 $ 2,764,413 13,204,470 3,122,954 387,401 67,128 4,758,415 452,568 14,335,383 (2,040,443) (464,012) 32,764,694 30,260,239 $ 2,764,413 11,164,027 (464,012) 35,887,648 387,401 67,128 4,758,415 452,568 44,595,622 本期增加 102 年度 自第三等級金融資產轉入第三等級 本期減少 自第三等級金融負債轉出第三等級金融資產 評價損益列 自其他層級 自第三等級 入當期損益 轉入 賣出 處分 轉出 名稱 期初餘額 之金額 買進或發行 第三等級 金融負債 或交割 其他層級 期末餘額 $ 763,223 5,801,560 2,974,265 272,124 27,862 6,816,506 258,115 2,764,413 1(1) (2)(3) 2()() (1) () (2) (3) () ( ) (4) 3( ) 240

< > 4. 3,437,840686,720 5. (1) A. B. a. /// b. (1).C c. (A) // (B) 241

(C) // d. () C. a. (PD)(LGD)(EAD) (EL)(UL) (A) (PD) (B) (LGD) (Collateral Recovery Rate) () (C) (EAD) (Credit Conversion Factor) (NonCash Conversion Factor) b. D. a. b. 242

< > c. E. ()5.(2) F. F. () () a. 103.12.31 個人 服務業 政府公營 高科技 不動產 製造業 金融業 其他 合計 $ 59,638,764 59,638,764 1,750,527 8,694 10,083,804 1,301,682 68,780,376 851,139 82,776,222 468,408,581 468,408,581 50,084,543 49,555,062 168,335,987 73,052,825 51,915,135 79,395,263 15,050,380 517,434 487,906,629 13,174,739 1,057,487 214,680 273,153 544,337 40,714 762,198 16,067,308 4,567,407 4,567,407 1,296,684 1,296,684 256,640,221 191,515,973 3,459,455 57,383,620 115,984,731 174,479,454 66,419,746 7,163,930 873,047,130 4,463,020 7,745,334 1,042,511 903,038 1,298,825 38,915 127,148 15,618,791 (141,558 ) (593,024 ) (1,660 ) (36,335 ) (244,968 ) (165,910 ) (164,167 ) (249,500 ) (1,597,122 ) 95,557 13,873 109,430 $858,227,958 251,031,359 171,802,476 141,741,105 168,831,089 256,867,524 150,165,964 9,172,349 2,007,839,824 103.12.31 政府機構 一般企業 金融業 個人 合計 $ 501,381,911 39,483,512 77,728,395 9,177,213 627,771,031 1,499,486 1,499,486 147,125 147,125 72,787 72,787 87,464,806 9,328,073 14,183,413 110,976,292 2,183,922 68,548,940 74,584,445 145,317,307 $ 591,030,639 117,360,525 168,215,651 9,177,213 885,784,028 243

102.12.31 個人服務業政府公營高科技不動產製造業金融業其他合計 $ 58,839,549 58,839,549 1,509,709 1,274 15,842,638 1,448,009 66,249,362 184,403 85,235,395 458,584,450 458,584,450 45,056,229 37,646,601 172,578,515 69,528,978 41,827,852 70,037,929 15,980,071 243,189 452,899,364 9,351,356 600,924 123,158 152,592 295,316 33,867 592,934 11,150,147 3,685,408 3,685,408 1,031,996 1,031,996 15,814,801 77,954,745 3,749,310 51,366,542 54,636,619 130,178,219 33,429,423 3,747,495 370,877,154 953,223 1,465,895 1,012,541 35,871 998,497 177,737 33,896 4,677,660 (97,360 ) (163,456 ) (2,016 ) (45,911 ) (80,907 ) (148,821 ) (60,206 ) (272,186 ) (870,863 ) 114,640 96,105 210,745 $593,334,292 119,014,418 176,327,083 137,827,946 96,668,132 202,809,149 115,810,254 4,529,731 1,446,321,005 102.12.31 政府機構一般企業金融業合計 $ 320,680,818 42,925,799 25,048,196 388,654,813 910,113 910,113 233,153 233,153 317,125 317,125 60,538,674 8,636,308 10,138,634 79,313,616 794,003 6,456,132 18,016,132 25,266,267 $ 382,013,495 58,018,239 54,663,353 494,695,087 b. 103.12.31 台灣 北美 亞洲 ( 除台灣 ) 其他 合計 $ 362,439,014 70,090,564 153,051,260 42,190,193 627,771,031 86,813 1,412,673 1,499,486 59,638,764 59,638,764 7,884,744 784,785 71,543,406 2,563,287 82,776,222 366,238,257 366,238,257 1,273 1,273 102,169,051 102,169,051 484,209,030 3,697,599 487,906,629 16,067,308 16,067,308 4,567,407 4,567,407 1,296,684 1,296,684 64,007,234 74,766,374 720,340,928 13,932,594 873,047,130 2,524,233 120,926 12,973,632 15,618,791 (292,869) (12,390) (1,041,566) (250,297) (1,597,122) 12,945 127,834 6,346 147,125 13,588 52,137 7,062 72,787 82,791,324 354,083 24,132,997 3,697,888 110,976,292 27,813,095 21,074,394 43,287,185 53,252,063 145,426,737 $ 1,581,467,895 167,358,707 1,027,985,441 116,811,809 2,893,623,852 244

< > 102.12.31 台灣 北美 亞洲 ( 除台灣 ) 其他 合計 $ 325,247,890 37,802,520 10,821,979 14,782,424 388,654,813 91,326 818,787 910,113 58,839,549 58,839,549 7,167,308 795,008 76,006,872 1,266,207 85,235,395 362,746,392 362,746,392 1,665 1,665 95,836,393 95,836,393 451,941,606 957,758 452,899,364 11,150,147 11,150,147 3,685,408 3,685,408 1,031,996 1,031,996 57,772,557 65,141,819 238,220,766 9,742,012 370,877,154 3,444,643 68,997 1,164,020 4,677,660 (263,103) (19,684) (302,884) (285,192) (870,863) 1,282 173,278 58,593 233,153 1,415 110,847 204,863 317,125 59,357,671 261,253 16,353,230 3,341,462 79,313,616 2,110,507 1,909,515 4,003,982 17,453,008 25,477,012 $ 1,440,164,652 106,243,553 347,225,723 47,382,164 1,941,016,092 245

G. a. 103.12.31 未逾期亦未減損部位金額 已逾期亦未減損部位金額 合計 (A)+ 已個別減損已組合減損 (B)+(C)+ 名稱 投資級 次投資級 高風險級 小計 (A) 投資級 次投資級 高風險級 小計 (B) (C) (D) 備抵減損 (E) (D)(E) $ 578,566,099 48,756,423 129,899 627,452,421 318,610 5,282 627,765,749 1,337,641 161,845 1,499,486 1,499,486 45,325,647 7,904,154 2,009,863 55,239,664 139,804 135,539 295,869 571,212 3,827,888 1,197,489 58,441,275 62,266,987 17,077,844 3,142,638 82,487,469 102,344 83,706 40,894 226,944 61,809 109,697 82,666,525 338,823,753 4,274,628 537,055 343,635,436 13,891,302 1,265,735 458,989 15,616,026 6,986,795 658,499 365,579,758 1,273 130 1,143 69,502,443 16,275,194 3,131,444 88,909,081 2,634,048 1,245,603 1,092,802 4,972,453 8,287,517 2,644,408 99,524,643 264,453,118 158,065,868 54,716,234 477,235,220 2,000 27,960 135,460 165,420 10,505,989 1,873,054 486,033,575 11,189,238 3,068,945 1,175,715 15,433,898 257,232 21,173 19,241 297,646 5,515 330,249 15,528 16,051,780 4,567,407 4,567,407 4,567,407 1,296,684 1,296,684 1,296,684 372,799,740 339,651,738 151,305,299 863,756,777 394,941 450,440 2,175,950 3,021,331 4,370,725 1,898,297 5,127,595 867,919,535 42,380 42,380 10,284,154 5,292,257 6,381,940 9,236,851 (548,179) (712,297) (290,919) (1,551,395) 427 (183) (86) 158 (49,381) 3,496 (979) (1,596,143) 147,125 147,125 147,125 72,787 72,787 72,787 65,474,944 45,500,875 110,975,819 473 473 110,975,819 131,580,897 8,320,554 5,415,856 145,317,307 3,850 3,850 13,873 91,707 137,418 145,289,319 $ 1,946,856,331 648,345,771 221,273,084 2,816,475,186 17,425,948 3,272,353 4,219,119 24,917,420 25,511,767 26,719,479 18,150,534 2,875,473,318 246

< > 102.12.31 未逾期亦未減損部位金額 已逾期亦未減損部位金額 合計 (A)+ 已個別減損已組合減損 (B)+(C)+ 名稱 投資級 次投資級 高風險級 小計 (A) 投資級 次投資級 高風險級 小計 (B) (C) (D) 備抵減損 (E) (D)(E) $ 334,845,168 53,284,238 388,129,406 525,407 21,246 388,633,567 74,915 835,198 910,113 910,113 43,788,883 8,086,983 2,107,893 53,983,759 128,795 123,955 291,537 544,287 4,311,503 1,325,701 57,513,848 60,817,560 19,259,503 4,452,154 84,529,217 317,088 50,868 276,413 644,369 61,809 115,840 85,119,555 344,831,810 5,190,302 682,471 350,704,583 1,847,951 1,293,595 587,353 3,728,899 8,312,910 1,773,789 360,972,603 1,665 184 1,481 66,485,596 15,143,238 3,112,347 84,741,181 434,184 581,994 1,000,397 2,016,575 9,078,637 2,749,221 93,087,172 251,178,087 134,066,103 53,859,304 439,103,494 59,075 67,072 126,147 13,669,723 2,201,624 450,697,740 7,878,857 2,061,849 745,067 10,685,773 8,519 3,325 11,844 4,198 448,332 11,118 11,139,029 3,685,408 3,685,408 3,685,408 1,031,996 1,031,996 1,031,996 89,364,710 200,688,963 76,757,420 366,811,093 47,956 194,191 711,220 953,367 3,001,782 110,912 2,445,188 368,431,966 3,727,609 950,051 1,902,616 2,775,044 (246,442 ) (480,954 ) (112,921 ) (840,317 ) 226 10 6,635 6,871 (43,594 ) 6,177 (1,056 ) (869,807 ) 233,153 233,153 233,153 317,125 317,125 317,125 59,872,693 19,329,685 79,202,378 451 110,787 8,807 79,304,809 25,085,022 181,245 25,266,267 113 113 96,105 114,527 99,005 25,378,007 $ 1,289,244,541 457,646,353 141,603,735 1,888,494,629 2,784,832 2,303,688 2,943,952 8,032,472 21,043,490 23,445,501 12,653,283 1,928,362,809 247

H. 90 103.12.31 逾期一個月內 逾期一至二個月逾期二至三個月逾期三個月以上 合計 $ 417,912 105,423 47,877 571,212 120,712 97,319 2,045 6,868 226,944 15,413,680 177,470 24,876 15,616,026 4,568,917 278,052 125,484 4,972,453 165,420 165,420 293,379 3,345 922 297,646 1,933,390 873,529 214,412 3,021,331 42,380 42,380 230 14 (86) 158 302 731 2,817 3,850 $ 22,956,322 1,535,883 415,530 9,685 24,917,420 102.12.31 逾期一個月內 逾期一至二個月逾期二至三個月逾期三個月以上 合計 $ 395,775 104,313 44,199 544,287 564,552 51,397 19,898 8,522 644,369 3,446,406 217,919 63,303 1,271 3,728,899 1,671,219 243,544 101,812 2,016,575 126,147 126,147 9,245 2,599 11,844 617,973 254,379 81,015 953,367 4,076 2,180 615 6,871 4 15 94 113 $ 6,835,397 876,346 310,842 9,887 8,032,472 248

< > I. 103.12.31 個別減損部位金額 組合減損部位金額 備抵減損 ( 個別 ) 備抵減損 ( 組合 ) 減損後金額 $ 318,610 5,282 313,328 3,827,888 487,610 3,340,278 61,809 61,809 6,986,795 519,643 6,467,152 1,273 130 1,143 8,287,517 1,108,070 7,179,447 10,505,989 1,306,201 9,199,788 5,515 330,249 2,369 685 332,710 4,370,725 1,898,297 1,114,682 95,018 5,059,322 10,284,154 5,292,257 4,178,816 2,435,249 8,962,346 (49,381) 3,496 (45,885) 473 473 13,873 91,707 6,937 79,562 19,081 $ 25,511,767 26,719,479 6,676,096 4,725,967 40,829,183 102.12.31 個別減損部位金額 組合減損部位金額 備抵減損 ( 個別 ) 備抵減損 ( 組合 ) 減損後金額 $ 525,407 21,246 504,161 4,311,503 566,516 3,744,987 61,809 61,809 8,312,910 762,515 7,550,395 1,665 184 1,481 9,078,637 1,285,231 7,793,406 13,669,723 1,772,382 11,897,341 4,198 448,332 2,119 1,861 448,550 3,001,782 110,912 546,307 7,483 2,558,904 3,727,609 950,051 1,418,818 663,663 2,595,179 (43,594) 6,177 (37,417) 451 110,787 451 8,356 102,431 96,105 114,527 99,005 111,627 $ 21,043,490 23,445,501 3,823,132 3,394,814 37,271,045 249

J. () K. a. (A) % 年 月 103.12.31 逾期放款 備抵呆帳 備抵呆帳 業務別 / 項目 金 額 放款總額 逾放比率 金 額 覆蓋率 11,075,249 424,439,206 2.61% 16,062,138 125.62% () 1,710,903 697,066,726 0.25% 1,716,707 564,224,674 0.30% 5,163,314 300.77% 93,543 3,529,678 2.65% 240,139 256.72% 2,224,407 103,705,737 2.14% 4,762,807 214.12% 693 % 4 % 443,715 50,436,756 0.88% 907,641 108.23% 394,872 5,345,373 7.39% 17,659,396 1,848,748,843 0.96% 27,136,043 153.66% 逾期帳款 應收帳款 逾期帳款 備抵呆帳 備抵呆帳 金 額 餘 額 比 率 金 額 覆蓋率 87,989 59,642,129 0.15% 1,275,061 1,449.11% 82,776,222 % 615,685 % 年 月 102.12.31 逾期放款 備抵呆帳 備抵呆帳 業務別 / 項目 金 額 放款總額 逾放比率 金 額 覆蓋率 2,745,627 245,085,772 1.12% 9,564,169 248.02% () 1,110,601 572,065,733 0.19% 245,280 342,886,357 0.07% 3,389,152 1,381.75% 27,197 2,783,191 0.98% 261,282 960.70% 560,660 83,700,679 0.67% 3,320,157 592.19% 63 792 7.95% 4 6.35% 15,617 39,013,260 0.04% 566,631 206.45% 258,851 4,816,048 5.37% 4,963,896 1,290,351,832 0.38% 17,101,395 344.52% 逾期帳款 應收帳款 逾期帳款 備抵呆帳 備抵呆帳 金 額 餘 額 比 率 金 額 覆蓋率 110,915 58,909,453 0.19% 1,422,632 1,282.63% 85,235,395 % 461,572 % 逾期待出售待出售放款備抵呆帳備抵呆帳逾期比率放款金額金額金額覆蓋率 () 96,105 96,105 () () () () 940706()0944000378 =/=/ =/= / 250

< > () 941219()09440010950 940719()094000494 103.12.31 102.12.31 免列報逾期放款總餘額 免列報逾期應收帳款總餘額 免列報逾期放款總餘額 免列報逾期應收帳款總餘額 150,743 91,485 196,058 94,119 (1) 503,667 72,154 443,853 74,685 (2) 654,410 163,639 639,911 168,804 1 950425()09510001270 2 970915()09700318940 b. % 103.12.31 排名 公司或集團企業所屬行業別 授信總餘額 占本年度淨值比例 (%) 1 A 14,068,900 7.16% 2 B 11,349,711 5.77% 3 C 10,315,135 5.25% 4 D 8,322,704 4.23% 5 E 7,264,226 3.69% 6 F 6,344,377 3.23% 7 G 6,265,717 3.19% 8 H 5,463,013 2.78% 9 I 5,215,000 2.65% 10 J 5,191,783 2.64% 251

102.12.31 排名公司或集團企業所屬行業別授信總餘額 占本年度淨值比例 (%) 1 A 16,767,451 11.42% 2 B 10,192,049 6.94% 3 C 7,766,305 5.29% 4 D 7,371,852 5.02% 5 K 6,731,288 4.58% 6 E 6,742,830 4.41% 7 L 6,132,040 4.18% 8 G 5,856,586 3.99% 9 I 5,720,000 3.90% 10 H 5,624,290 3.83% ( ) (2) A. B. C. a. b. c. d. 252

< > D. 103.12.31 030 天 3190 天 91180 天 181 天 1 年 1 年以上 合計 $ 41,740,803 3,452,293 1,719,207 3,022,125 49,934,428 746,211 8,603,718 11,085,582 27,065,557 11,634,016 59,135,084 5,417 30,260,239 30,265,656 62,268,978 2,167,598 566,245 65,002,821 2,505,000 4,632,000 7,137,000 47,867,708 14,021,237 10,468,370 15,715,100 81,785,745 169,858,160 3,620,914 829,853 16,250 4,467,017 1,492,442,810 282,582,454 196,964,071 330,335,485 108,354,728 2,410,679,548 265,100 16,151,608 4,015,100 13,829,190 76,067,750 110,328,748 6,020,200 5,302,228 7,396,085 10,469,454 107,500,541 136,688,508 102.12.31 030 天 3190 天 91180 天 181 天 1 年 1 年以上 合計 $ 36,645,465 7,927,139 814,163 2,452,145 570,600 48,409,512 2,102,859 545,455 169,621 457,070 4,892,845 8,167,850 2,136 49,035 51,171 60,887,046 3,407,707 468,185 32,610 64,795,548 200,000 200,000 27,809,325 9,053,276 6,836,919 11,807,480 4,368,035 59,875,035 1,684,280 669,853 2,354,133 1,084,916,449 198,111,027 159,944,482 259,470,762 22,906,213 1,725,348,933 300,000 3,500,000 65,673,465 69,473,465 1,376,920 1,543,526 1,001,815 1,080,294 10,988,103 15,990,658 253

E. a. (A) (B) (C) 030 103.12.31 030 天 3190 天 91180 天 181 天 1 年 1 年以上 合計 $ 16,494,769 16,494,769 12,384,654 12,384,654 90,473 130,579 1,895 103,036 325,983 2,210,969 158,590 2,369,559 22,480 42,178 26,407 52,114 340,112 483,291 $ 28,992,376 2,253,147 315,576 54,009 443,148 32,058,256 102.12.31 030 天 3190 天 91180 天 181 天 1 年 1 年以上 合計 $ 4,419,895 4,419,895 8,759,809 8,759,809 588,918 236,830 825,748 299,500 748,750 1,048,250 31,970 40,277 71,986 143,514 577,456 865,203 $ 14,100,092 789,027 308,816 143,514 577,456 15,918,905 254

< > b. 103.12.31 030 天 3190 天 91180 天 181 天 1 年 1 年以上 合計 $ 945,338,858 891,315,182 516,706,698 438,767,022 112,821,925 2,904,949,685 941,637,827 889,507,760 516,563,985 437,779,873 111,433,305 2,896,922,750 25,887,659 14,581,323 40,468,982 25,996,940 14,907,803 40,904,743 971,226,517 905,896,505 516,706,698 438,767,022 112,821,925 2,945,418,667 967,634,767 904,415,563 516,563,985 437,779,873 111,433,305 2,937,827,493 $ (3,591,750) (1,480,942) (142,713) (987,149) (1,388,620) (7,591,174) 102.12.31 030 天 3190 天 91180 天 181 天 1 年 1 年以上 合計 $ 753,017,524 684,583,523 341,275,536 250,218,761 43,789,239 2,072,884,583 751,787,026 685,047,220 342,053,967 250,353,213 44,015,503 2,073,256,929 11,213,050 11,213,050 11,061,180 11,061,180 764,230,574 684,583,523 341,275,536 250,218,761 43,789,239 2,084,097,633 762,848,206 685,047,220 342,053,967 250,353,213 44,015,503 2,084,318,109 $ (1,382,368) 463,697 778,431 134,452 226,264 220,476 255

F. 103.12.31 030 天 3190 天 91180 天 181 天 1 年 1 年以上 合計 $ 46,738,824 46,738,824 172,962,743 264,306 173,227,049 15,138,378 15,138,378 523,847,137 523,847,137 $ 758,687,082 264,306 758,951,388 102.12.31 030 天 3190 天 91180 天 181 天 1 年 1 年以上 合計 $ 65,105,954 65,105,954 122,037,088 309,906 122,346,994 16,207,585 16,207,585 491,278,173 491,278,173 $ 694,628,800 309,906 694,938,706 256

< > G. a. 距到期日剩餘期間金額合計 0 至 10 天 11 至 30 天 31 至 90 天 91 至 180 天 181 天至 1 年超過 1 年 $ 2,167,624 364,840 300,389 250,014 151,171 270,834 830,376 2,481,596 192,326 229,483 386,806 350,873 574,978 747,130 (313,972) 172,514 70,906 (136,792) (199,702) (304,144) 83,246 距到期日剩餘期間金額合計 0 至 10 天 11 至 30 天 31 至 90 天 91 至 180 天 181 天至 1 年超過 1 年 $ 1,992,348 258,434 332,690 272,778 111,611 266,606 750,229 1,893,777 186,765 216,684 319,747 224,064 279,748 666,769 98,571 71,669 116,006 (46,969) (112,453) (13,142) 83,460 b. 距到期日剩餘期間金額 合 計 0 至 30 天 31 至 90 天 91 至 180 天 181 天至 1 年 超過 1 年 $ 60,674,724 21,603,439 17,625,483 8,850,030 7,832,020 4,763,752 80,134,194 29,781,738 18,878,171 11,657,756 11,412,992 8,403,537 (19,459,470) (8,178,299) (1,252,688) (2,807,726) (3,580,972) (3,639,785) 距到期日剩餘期間金額 合 計 0 至 30 天 31 至 90 天 91 至 180 天 181 天至 1 年 超過 1 年 $ 49,373,137 19,349,449 12,720,122 7,449,005 5,705,722 4,148,839 52,431,336 18,615,360 14,773,788 6,669,092 5,751,738 6,621,358 (3,058,199) 734,089 (2,053,666) 779,913 (46,016) (2,472,519) c. 距到期日剩餘期間金額 合 計 0 至 30 天 31 至 90 天 91 至 180 天 181 天至 1 年 超過 1 年 $ 23,938,826 9,603,357 5,602,017 3,199,986 3,172,571 2,360,895 33,403,099 17,139,290 7,250,910 3,729,030 3,113,889 2,169,980 (9,464,273) (7,535,933) (1,648,893) (529,044) 58,682 190,915 距到期日剩餘期間金額 合 計 0 至 30 天 31 至 90 天 91 至 180 天 181 天至 1 年 超過 1 年 $ 20,292,965 8,883,059 4,085,107 2,923,442 2,231,879 2,169,478 20,413,900 8,860,942 4,770,222 2,153,606 1,991,833 2,637,297 (120,935) 22,117 (685,115) 769,836 240,046 (467,819) 257

(3) A. () () B. C. a. (Value at Risk, VaR) b. (Stress Testing) c. (Factor Sensitivity) ( ) (A) (PVBP)0.01%(1) D. 各利率曲線平行上移 1 基點 交易幣別 103.12.31 102.12.31 CNY $ 192 (218) EUR 88 (129) HKD (153) (281) JPY (56) (32) NTD (1,761) (744) USD (456) 449 (395) (560) 258

< > (B) (FX delta)1% D. 各幣別匯率上升 1% 交易幣別 103.12.31 102.12.31 AUD $ (912) (1,587) CNY 47,879 141,046 EUR (6,010) (1,088) GBP 256 (223) HKD (2,696) (3,284) JPY 2,318 (13,822) KRW (2,431) (115) USD 2,381 (109,427) 2,985 (7,147) (C) (Equity delta) /1% D. 交易國別 / 商品 103.12.31 102.12.31 權益價格風險敏感度 1% $ 24,437 34,974 3,064 550 (493) 64 2,832 1% 346 8 (614) (30) 12 (11) (16) 1 (160) (113) D. 103.12.31 影響金額 主要風險 變動幅度 損益 權益 1bp $ 357 (127,331) 1bp (357) 127,437 1% 38,565 174,268 1% (38,565) (174,268) 1% 28,421 547,872 1% (28,421) (547,872) 259

102.12.31 影響金額 主要風險 變動幅度 損益 權益 1bp $ (958) (107,056) 1bp 958 107,056 1% 174,893 71,965 1% (174,893) (71,965) 1% 350,204 1% (350,204) E. 34(a) 103.12.31 外幣 匯率 新台幣 USD 22,921,181 31.7180 727,014,025 CNY 21,258,106 5.1150 108,735,210 JPY 2,877,811,828 0.2651 762,907,915 AUD 411,578 25.9640 10,686,223 CAD 355,770 27.3150 9,717,846 USD 264,143 31.7180 8,378,097 CNY 741,947 5.1150 3,795,057 JPY 95,832,518 0.2651 25,405,200 AUD 143 25.9640 3,704 USD 19,984,119 31.7180 633,856,282 CNY 26,113,514 5.1150 133,570,627 JPY 2,713,412,503 0.2651 719,325,655 AUD 155,996 25.9640 4,050,278 CAD 312,300 27.3150 8,530,475 260

< > 102.12.31 外幣 匯率 新台幣 USD 19,476,220 29.9500 583,312,779 CNY 16,291,684 4.9470 80,594,958 EUR 262,654 41.2860 10,843,943 JPY 80,052,298 0.2853 22,838,921 AUD 704,282 26.7120 18,812,787 USD 240,504 29.9500 7,203,109 CNY 1,457 4.9470 7,209 EUR 10,409 41.2860 429,758 JPY 1,894 0.2853 540 AUD 4 26.7120 105 USD 17,569,705 29.9500 526,212,672 CNY 23,095,287 4.9470 114,252,386 EUR 266,925 41.2860 11,020,265 JPY 78,927,269 0.2853 22,517,950 AUD 579,164 26.7120 15,470,623 (4) A. B. C. a. b. (1 Basis Point)(Net Interest Income) (Economic Value of Equity) c. d. 261

D. a. (A) () % 項 目 1 至 90 天 ( 含 ) 91 至 180 天 ( 含 ) 181 天至 1 年 ( 含 ) 1 年以上 合 計 $ 1,219,636,138 68,633,003 49,510,989 86,908,733 1,424,688,863 485,270,399 739,686,521 105,522,631 49,238,999 1,379,718,550 734,365,739 (671,053,518) (56,011,642) 37,669,734 44,970,313 196,612,616 103.26 22.87 % 項 目 1 至 90 天 ( 含 ) 91 至 180 天 ( 含 ) 181 天至 1 年 ( 含 ) 1 年以上 合 計 $ 1,163,196,896 58,885,343 47,314,092 67,942,500 1,337,338,831 484,182,849 697,325,075 95,546,629 28,796,289 1,305,850,842 679,014,047 (638,439,732) (48,232,537) 39,146,211 31,487,989 146,850,762 102.41 21.44 ( ) (B) () % 項 目 1 至 90 天 ( 含 ) 91 至 180 天 ( 含 ) 181 天至 1 年 ( 含 ) 1 年以上 合 計 $ 12,108,479 891,022 371,141 193,863 13,564,505 5,189,503 7,797,518 1,313,693 18,074 14,318,788 6,918,976 (6,906,496) (942,552) 175,789 (754,283) 6,198,771 94.73 (12.17) 262

< > % 項目 1 至 90 天 ( 含 ) 91 至 180 天 ( 含 ) 181 天至 1 年 ( 含 ) 1 年以上合計 $ 9,959,112 886,035 393,740 184,087 11,422,974 4,198,191 7,027,461 893,945 5,065 12,124,662 5,760,921 (6,141,426) (500,205) 179,022 (701,688) 4,903,197 94.21 (14.31) ( ) 6. (1) (2) 100% (3) ()() 263

(4) % 項目 103.12.31 各公司 金融控股公司持股比率 集團合格資本 集團法定資本需求 100.00% $ 239,432,760 241,620,717 100.00% 197,018,577 115,050,430 99.91% 5,746,437 1,502,322 100.00% 2,717,296 1,840,815 100.00% 4,740,493 2,379,351 100.00% 47,101 50,694 100.00% 5,558,213 2,792,215 100.00% 23,656,345 11,580,130 100.00% 1,648,556 1,040,294 100.00% 391,494 211,226 (266,842,122) (241,124,120) 214,115,150 136,944,074 156.35% % 項目 102.12.31 各公司 金融控股公司持股比率 集團合格資本 集團法定資本需求 100.00% $ 204,768,968 186,104,979 100.00% 143,246,995 106,963,244 99.91% 5,559,361 1,446,713 100.00% 2,330,436 1,587,861 100.00% 4,831,846 2,404,782 100.00% 57,444 57,627 100.00% 5,746,606 2,845,499 100.00% 21,567,544 8,453,024 100.00% 539,337 422,960 100.00% 451,776 242,823 (205,317,960) (185,665,635) 183,782,353 124,863,877 147.19% (5) 項 目 103.12.31 102.12.31 152,572,815 147,129,560 23,845,351 23,845,094 10,236,758 8,408,223 9,191,902 3,818,035 39,238,646 18,285,348 (5,732,712) (8,716,664) 10,080,000 12,000,000 (628) 239,432,760 204,768,968 264

< > ( 伍十三 ) 保險合約風險之性質及範圍 1. (1) (2) (3) (4) (5) (6) 2. 3. (1) (2) 265

4. 5. (1) 103 年度 假設變動 稅前損益變動 權益變動 / 5% 77,713 64,502 0.1% 261,191 216,788 () 5% 659,586 547,457 5% 19,834 16,462 102 年度 假設變動 稅前損益變動 權益變動 / 5% 44,131 36,629 0.1% 159,223 132,155 () 5% 403,192 334,650 5% 10,824 8,984 A. 17% B. C. (2) 266

< > (3) A. 意外 發展年數 賠款 年度 1 2 3 4 5 6 準備金 98 261,622 326,763 333,491 333,674 335,269 335,041 99 304,376 376,326 381,136 383,873 385,662 388,153 2,491 100 365,336 410,827 423,628 429,697 432,127 434,914 5,217 101 430,786 524,097 573,337 576,920 579,650 582,797 9,460 102 454,082 542,940 563,965 567,850 570,810 574,230 31,290 103 499,079 596,843 621,447 625,699 628,937 632,682 133,603 182,061 227,425 409,486 意外 發展年數 賠款 年度 1 2 3 4 5 6 準備金 97 194,336 229,634 237,247 238,818 240,336 241,574 98 206,445 261,991 266,989 267,130 268,796 272,023 3,227 99 241,372 298,920 303,166 305,240 307,876 311,802 6,562 100 271,437 304,391 314,476 316,334 319,029 323,026 8,550 101 304,024 381,084 390,486 392,440 395,245 399,399 18,315 102 311,102 414,351 423,832 426,000 428,947 433,271 122,169 158,823 44,655 203,478 B. 意外 發展年數 賠款 年度 1 2 3 4 5 6 準備金 98 247,366 309,923 315,788 315,968 317,563 317,336 99 289,709 358,123 362,782 365,057 366,846 369,357 2,511 100 334,847 378,886 390,920 397,010 399,378 402,100 5,090 101 401,693 493,270 514,152 517,561 520,247 523,343 9,191 102 418,430 501,716 514,746 518,363 521,221 524,523 22,807 103 469,460 564,499 579,357 583,415 586,625 590,333 120,873 160,472 223,432 383,904 267

意外 發展年數 賠款 年度 1 2 3 4 5 6 準備金 97 194,326 229,624 237,237 238,808 240,326 241,564 98 206,445 260,991 265,989 266,130 267,796 270,974 3,178 99 241,278 298,724 302,891 304,964 307,633 311,510 6,546 100 271,392 304,346 314,431 316,293 319,022 322,974 8,543 101 303,618 381,054 390,458 392,417 395,256 399,365 18,311 102 311,078 386,213 395,685 397,858 400,836 405,116 94,038 130,616 42,807 173,423 七 關係人交易 ( 一 ) 關係人之名稱及關係 關 係 人 名 稱 與 本 公 司 之 關 係 () () () () (1) () 100% ( ) 268

< > () () () () () () () () () 關係人名稱與本公司之關係 () () () () () () () () () () () () () () () () () () () () () () CTC Group Inc. Chailease International Leasing Co., Ltd. (Vietnam) () () () (2) () () () 1 () 2 269

( 二 ) 與關係人之間之重大交易事項 1. 59,79446,73241.62%33.77% 6 9,0261,11020,38212,866 2. 關係人名稱 103 年度 102 年度 $ 31,000 45,000 46,005 44,366 $ 77,005 89,366 3. 103.12.31 本期最高 保證責任 關係人名稱 餘 額 期末餘額 準備餘額 費率區間 擔保品內容 () $ 3,000 3,000 1% / () 3,639 1% 102.12.31 本期最高保證責任關係人名稱餘額期末餘額準備餘額費率區間擔保品內容 () $ 1,500 1,500 1% 4. 關係人名稱 () 衍生性商品合約名稱 合約期間 101.06.12~ 108.09.12 103.05.12~ 104.06.18 103.01.02~ 104.01.06 103.04.10~ 104.01.15 103.10.20~ 104.01.22 103.04.03~ 104.09.25 103.01.07~ 104.01.09 103.09.11~ 104.09.15 103.02.13~ 104.09.23 103.07.02~ 104.07.07 103.01.10~ 104.01.14 103.12.31 名目本金 本期評價損益 資產負債表餘額 科目 餘 額 18,143 NTD 41,290,000 18,143 CNY 62,295 (235) (235) USD 5,000 199 199 EUR 5,500 29,773 29,773 JPY 358,000 11,274 11,274 USD 100,000 178,831 178,831 NTD 300,800 (18,037) (18,037) CNH 124,450 5,405 5,405 USD 175,000 318,461 318,461 USD 20,000 2,354 2,354 NTD 296,550 (20,637) (20,637 ) 270

< > 5. 103 年度 關係人名稱購買票券及債券出售票券及債券 () $ 2,000,000 () 200,000 () 200,000 $ 2,400,000 6. 103.12.31 關係人名稱借款期間利率區間發行金額 未攤銷應付商業本票折價 帳面價值 () 103.07.24~104.07.15 0.65%~0.75% $ 1,822,000 6,033 1,815,967 7. 103 年度 關係人最高餘額期末餘額利率區間利息收入 () $ 2,185,056 2,028,553 0.05~0.88% 13,264 8. 103.12.31 履約情形 與非關係人 類 別 戶數或關係人名稱 本期最高餘額 期末餘額 正常放款 逾期放款 擔保品內容 之交易條件有無不同 40 $ 17,745 9,071 9,071 327 1,835,333 1,574,958 1,574,958 /// // () 951,744 919,187 919,187 CTC Group Inc. 509,920 496,022 496,022 () 525,270 449,483 449,483 /() () 355,000 355,000 355,000 / () () 366,800 319,200 319,200 / () 245,000 245,000 245,000 // Chailease International 205,500 122,792 122,792 Leasing Co., Ltd. (Vietnam) () 90,000 90,000 90,000 / () 43,300 43,300 43,300 // 10,604 10,305 10,305 () 8,316 5,544 5,544 () 10,000 5,000 5,000 145,148 44,275 44,275 / 271

102.12.31 履約情形 與非關係人 類 別 戶數或關係人名稱 本期最高餘額 期末餘額 正常放款 逾期放款 擔保品內容 之交易條件有無不同 48 $ 21,362 9,281 9,281 322 1,894,254 1,574,843 1,574,843 /// // CTC Group Inc. 496,980 481,496 481,496 () 414,400 366,800 366,800 / () 355,000 355,000 355,000 / () () 245,000 245,000 245,000 // Chailease International 260,196 194,046 194,046 Leasing Co., Ltd. (Vietnam) () 43,300 43,300 43,300 // 1,184,149 72,325 72,325 // 9. 103.12.31 關係人名稱 最高餘額 期末餘額 利率區間 利息支出 () $ 6,504,731 3,913,211 0~1.35% 13,382 1,174,858 925,923 0~1.35% 8,291 () 592,386 532,524 0~0.17% 462 () 513,360 512,650 0~0.17% 853 () 435,506 434,306 0~0.17% 497 415,208 386,495 0~1.40% 1,675 () 489,911 337,350 0~0.17% 769 () 310,698 298,396 0.04% 120 316,567 290,969 0~1.37% 3,042 () 305,596 282,078 0~0.17% 489 () 503,247 254,204 0~0.17% 759 () 321,421 204,068 0~0.17% 325 () 615,626 177,979 0~0.17% 267 157,464 157,464 0.04~1.37% 1,277 () 133,876 129,525 0~0.001% () 121,466 121,466 0~0.17% 183 () 131,323 118,858 0~0.04% 31 () 265,633 106,945 0~1.10% 958 11,508,717 4,889,428 34,451 $ 24,817,594 14,073,839 67,831 272

< > 102.12.31 關係人名稱 最高餘額 期末餘額 利率區間 利息支出 () $ 3,949,029 3,672,546 0~1.35% 9,957 1,081,061 825,586 0~1.35% 6,401 () 887,471 567,740 0.04% 69 () 505,501 505,068 0~0.17% 511 () 508,945 488,440 0~0.17% 385 () 592,292 466,638 0~0.17% 255 430,763 406,763 0~1.40% 1,533 () 397,907 375,538 0~1.35% 928 () 1,804,152 321,421 0~0.17% 619 () 333,522 310,698 0.04% 55 () 460,008 306,032 0~0.17% 311 () 261,019 257,529 0~0.17% 206 () 384,843 150,592 0.04~0.17% 162 () 143,338 137,304 0~0.17% 44 () 1,326,573 117,516 0~0.17% 105 () 264,870 106,091 0~0.17% 200 27,529,306 4,110,265 29,588 $ 40,860,600 13,125,767 51,329 10. 關係人名稱 發行公司 基金名稱 103.12.31 $ 23,001 600,098 5,098 15,284 172,565 33,753 100,002 143,740 28,766 10,590 485,103 559,521 200,306 20,204 4,289 $ 2,402,320 273

關係人名稱 發行公司 基金名稱 102.12.31 $ 66,475 90,203 290,480 12,346 400,044 20,102 30,113 8,312 80,079 200,772 350,882 190,693 280,762 95,255 175,134 4,845 10,053 10,038 $ 2,316,588 11. (1) 關係人名稱 摘要 103 年度 102 年度 () $ 698 83 () 2,076 () 593 482 7,691 5,929 $ 11,058 6,494 關係人名稱 摘要 103.12.31 102.12.31 () $ 161 () 43 36 $ 204 36 (2) 關係人名稱 摘要 103.12.31 102.12.31 () $ 102,500 92,152 () 27,034 31,502 () 5,759 10,650 11,800 () 2,223 1,580 () 599 1,408 () 9,836 () 14,628 20,776 4,157 4,136 () 43,972 () 112,759 5,265 511 $ 324,298 178,949 274

< > 關係人名稱摘要 103.12.31 102.12.31 () $ 569 7,199 2,950 () 1 () 811 3,627 () 11,138 (3) 103 年度 $ 12,518 13,777 交易公司 交易公司 內 容 損益科目 金 額 資產科目 金 額 () () $ 928,742 () 894 () 1,658 1,447 113,320 8,106 () 99,517 () 50,000 1,429 30,000 () $ 117,854 1,117,259 102 年度 交易公司 交易公司 內 容 損益科目 金 額 資產科目 金 額 () $ 732 () () 134,188 1,020 1,276 43,596 9,199 $ 45,892 144,119 () () PT. Bank CTBC Idonesia() ()1,312 85,936 ( 三 ) 主要管理階層薪酬總額資訊 103 年度 102 年度 $ 1,478,790 1,191,403 20,144 69,908 50,082 107,067 $ 1,549,016 1,368,378 275

八 質押之資產 資產項目 103.12.31 102.12.31 擔保用途或受限情形 $ 113,221,535 4,771,148 26,491,000 22,991,000 2,411,106 938,660 2,200 13,500 556,000 413,000 25,000 25,000 1,824,117 1,709,242 1,050,0001,800,000 九 重大或有負債及未認列之合約承諾 ( 一 ) 主要承諾及或有事項 103.12.31 102.12.31 $ 26,100,000 3,480,000 62,629,544 81,450,857 2,124,206 2,525,690 92,353,292 99,859,943 452,164,076 348,860,921 350,251 471,388 819,397,816 806,531,112 402,644 399,296 $ 1,455,521,829 1,343,579,207 () 18.05 7,844 276

< > 4.35% 2,086,800 2,700,000 88880%26.75% 60% ()() 09800050290 () 1,159,185638,880 2,322,7561,633,581 () 1.50% 9009001.80% 500,000 1.20%900900 1.50% 7640640 0.45% () 4.35% () () ()Enterprise Enrollment 361,683 64,807 33,000 5,000 ()() ()() 277

Letter of Comfort PT. Bank CTBC IndonesiaLetter of Comfort25,000 40,00016,500 ( 二 ) 依信託業法施行細則第十七條規定附註揭露之信託資訊如下 : 信託資產 103.12.31 102.12.31 信託負債 103.12.31 102.12.31 $ 38,982,722 40,159,904 328,377,483 351,237,438 844,093 803,175 22,337 20,706 137,354,565 124,547,701 456,782,014 434,710,240 284,592,101 269,770,073 33,334,220 19,889,090 2,209,898 3,884,825 1,228,675 50,711 25,591,941 16,057,602 326,683,100 350,582,908 1,028,959 575 $ 818,516,054 805,857,474 818,516,054 805,857,474 投資項目 103.12.31 102.12.31 $ 38,982,722 40,159,904 844,093 803,175 137,354,565 124,547,701 284,592,101 269,770,073 2,209,898 3,884,825 326,683,100 350,582,908 25,508,566 15,944,310 83,375 115,339 (2,047) 25,591,941 16,057,602 530 575 1,022,905 5,524 1,028,959 575 $ 817,287,379 805,806,763 278

< > 103 年度 102 年度 $ 5,442,838 5,037,621 (309,637) (502,029) 5,133,201 4,535,592 (35,596) (30,352) $ 5,097,605 4,505,240 ( 三 ) 承租人對營業租賃 103.12.31 102.12.31 $ 1,389,854 811,728 2,173,720 1,697,900 630,179 474,473 $ 4,193,753 2,984,101 ( 四 ) 其他重大法律事項 1. (Barclays Bank PLC)3.9 5 8,448Barclays Bank PLC 3,047950 2,090 3,047 950 1002243570005 () 3,047 2,090 957CT Opportunity Investment Company2,090 ( 97549975) 279

2. () 97549975 515,1575% () 15,1805% 99100 26 十 重大之災害損失 : 無 十一 重大之期後事項 2.57 57 10400016920131,148 (800,000) 8,000 280

< > 十二 其 他 ( 一 ) 業務別財務資訊 業務別 銀行 證券 保險 其他 項目 業務 業務 業務 業務 合計 $ 38,287,134 93,913 8,043,182 137,062 46,561,291 43,119,917 990,563 110,019,638 735,278 154,865,396 81,407,051 1,084,476 118,062,820 872,340 201,426,687 (3,037,977) (105,505) (501,268) (3,644,750) (104,063,750) (104,063,750) (42,758,686) (774,405) (2,783,723) (2,240,159) (48,556,973) () 35,610,388 310,071 11,109,842 (1,869,087) 45,161,214 () (5,189,984) (35,730) (547,488) 55,568 (5,717,634) () 30,420,404 274,341 10,562,354 (1,813,519) 39,443,580 業務別 銀行 證券 保險 其他 項目 業務 業務 業務 業務 合計 $ 28,331,349 63,508 4,592,903 172,462 33,160,222 27,230,822 942,966 65,418,329 414,280 94,006,397 55,562,171 1,006,474 70,011,232 586,742 127,166,619 (6,178,819) (56,267) (180,663) (6,415,749) (60,001,187) (60,001,187) (34,904,627) (721,088) (1,570,892) (2,000,961) (39,197,568) () 14,478,725 285,386 8,382,886 (1,594,882) 21,552,115 () 102,920 (34,462) (265,703) 155,370 (41,875) () 14,581,645 250,924 8,117,183 (1,439,512) 21,510,240 281

( 二 ) 依金融控股公司法第四十六條應公告事項 姓名或名稱 授信 背書或其他交易之加計總額 占金融控股公司之淨值比例 $ 295,500,000 128.22% Taiwan Government 136,574,407 59.26% () 45,245,262 19.63% The Tokyo Star Bank, Ltd. 29,644,717 12.86% 27,120,000 11.77% 25,000,000 10.85% CTBC Capital Corp. 20,626,645 8.95% 15,350,000 6.66% 13,000,000 5.64% () 11,395,914 4.94% 8,504,800 3.69% 7,975,000 3.46% 7,823,776 3.39% China CITIC Bank 7,665,342 3.33% 7,063,623 3.06% 7,032,750 3.05% 6,506,000 2.82% 6,380,000 2.77% 6,285,609 2.73% PT Bank CTBC Indonesia 6,130,569 2.66% Rabobank Nederland 5,672,779 2.46% Minth Group Limited 5,039,000 2.19% CTBC Bank(Philippines) Corp. 4,912,730 2.13% China Construction Bank Corporation 4,601,281 2.00% 4,299,398 1.87% Societe Generale SA 4,296,040 1.86% 4,216,093 1.83% Hong Kong Government 4,086,343 1.77% 4,000,000 1.74% 3,997,768 1.73% China Development Bank 3,968,481 1.72% 3,932,738 1.71% Morgan Stanley 3,811,463 1.65% Standard Chartered Plc. 3,688,565 1.60% Natixis 3,620,817 1.57% Peoples Republic of China Government 3,526,636 1.53% Wells Fargo & Co 3,478,080 1.51% 3,353,627 1.46% Goldman Sachs Bank 3,332,210 1.45% 3,246,294 1.41% 282

< > 姓名或名稱 授信 背書或其他交易之加計總額 占金融控股公司之淨值比例 Cmbccnbs $ 3,165,442 1.37% 3,115,003 1.35% 3,074,167 1.33% 3,051,120 1.32% 3,032,153 1.32% 3,006,140 1.30% 3,000,000 1.30% 8,292,941 3.60% 4,208,111 1.83% 3,249,140 1.41% 3,029,740 1.31% 3,029,740 1.31% 11,903,544 5.17% 3,518,417 1.53% 4,390,572 1.91% 66,274,705 28.76% 11,434,502 4.96% 10,882,488 4.72% 5,375,768 2.33% 3,098,054 1.34% 4,696,142 2.04% 10,992,190 4.77% 4,646,513 2.02% 12,299,390 5.34% 10,212,896 4.43% 3,932,808 1.71% 16,391,880 7.11% 5,771,499 2.50% 3,149,476 1.37% 5,572,555 2.42% 4,037,547 1.75% 13,345,807 5.79% 11,410,914 4.95% 4,698,804 2.04% BNP PARIBS 3,780,631 1.64% 4,257,247 1.85% AT&T 3,109,775 1.35% CITIGroup 3,665,348 1.59% DEUTSCHE BANK AG 7,245,095 3.14% HSBC HOLDINGS 3,719,943 1.61% JP MARGAN CHASE 3,428,983 1.49% STANDARD CHARTERED 5,206,454 2.26% WELLS FARGO 3,677,936 1.60% 283

姓名或名稱 授信 背書或其他交易之加計總額 占金融控股公司之淨值比例 SOCIETE GENERALE $ 4,881,929 2.12% CITIC 13,907,811 6.03% 9,001,535 3.91% 6,671,997 2.90% 6,461,470 2.80% 5,285,004 2.29% 4,187,703 1.82% 4,169,178 1.81% 4,115,179 1.79% 4,032,855 1.75% 3,860,854 1.68% 3,396,751 1.47% 3,240,621 1.41% 3,159,919 1.37% 3,055,614 1.33% GOLDMAN SAC 4,594,583 1.99% 1. 2. 3. 4. () (1) (2) (3) (4) (5) (6) (7) 284

< > ( 二 ) 金融控股公司財務報表 中國信託金融控股股份有限公司 資產負債表 103.12.31 102.12.31 資 產 金 額 % 金 額 % 11000 $ 645,732 6,474,654 3 12100 5,552,093 3 12,726,065 6 13000 2,770 11,403 13200 271,446 218,949 15000 241,124,120 97 185,665,635 91 15500 371,250 371,250 18500 98,295 24,259 19000 628 19500 24,282 32,432 $ 248,089,988 100 205,525,275 100 285

中國信託金融控股股份有限公司 資產負債表 103.12.31 102.12.31 負債及權益 金 額 % 金 額 % 23000 $ 773,046 622,328 24000 12,000,000 5 12,000,000 6 25500 5,618,287 2 2,999 29300 1,479 757 29500 344,416 129,595 18,737,228 7 12,755,679 6 31101 152,572,815 61 147,129,560 72 31500 23,845,351 10 23,845,094 11 32001 10,236,758 4 8,408,223 4 32003 9,191,902 4 3,818,035 2 32011 39,238,646 16 18,285,348 9 32500 (5,732,712) (2) (8,716,664) (4) 229,352,760 93 192,769,596 94 $ 248,089,988 100 205,525,275 100 286

< > 中國信託金融控股股份有限公司 綜合損益表 民國一 三年及一 二年一月一日至十二月三十一日 : 103 年度 102 年度 金 額 % 金 額 % $ 40,042,179 99 22,144,660 99 226,598 1 212,182 1 (839,290) (2) (730,650) (3) (223,251) (1) (205,154) (1) 39,206,236 97 21,421,038 96 230,771 1 81,747 39,437,007 98 21,502,785 96 () 2,736,270 7 (7,077,552) (32) $ 42,173,277 105 14,425,233 64 () $ 2.58 1.45 287

中國信託金融控股股份有限公司權益變動表民國一 三年及一 二年一月一日至十二月三十一日 股 本 保留盈餘 普通股股本 資本公積 法定盈餘公積 特別盈餘公積 未分配盈餘 國外營運機構財務報表換算之兌換差額 其他權益項目 備供出售 金融商品未實 現 ( 損 ) 益 其 他 : 權益總計 $ 124,170,262 16,861,332 6,290,059 5,160,042 17,988,953 (3,423,881) 1,786,977 (2,947) 168,830,797 21,502,785 21,502,785 (739) (651,709) (6,423,566) (1,538) (7,077,552) 21,502,046 (651,709) (6,423,566) (1,538) 14,425,233 () 2,118,164 (2,118,164) (9,762,803) (9,762,803) (1,041,393) (1,041,393) 9,625,298 (9,625,298) (1,342,007) 1,342,007 (3,303) (3,303) 13,334,000 6,654,762 19,988,762 (2,514) (2,514) 334,817 334,817 147,129,560 23,845,094 8,408,223 3,818,035 18,285,348 (4,075,590) (4,636,589) (4,485) 192,769,596 39,437,007 39,437,007 (247,682 ) 611,829 1,905,267 466,856 2,736,270 39,189,325 611,829 1,905,267 466,856 42,173,277 () 1,828,535 (1,828,535) 5,373,867 (5,373,867) (5,590,370) (5,590,370) 5,443,255 (5,443,255) 257 257 $ 152,572,815 23,845,351 10,236,758 9,191,902 39,238,646 (3,463,761) (2,731,322) 462,371 229,352,760 10,697213,950 5,539110,780 288

< > 中國信託金融控股股份有限公司 現金流量表 民國一 三年及一 二年一月一日至十二月三十一日 : 103 年度 102 年度 $ 39,206,236 21,421,038 7,252 6,653 129 150 221,910 201,980 (63,787) (192,410) 334,817 (40,042,179) (22,144,660) 944 1 (2,988) 2,119 (39,878,719) (21,791,350) () 7,177,701 (2,959,917) 3 78,531 8,150 33,113 7,185,854 (2,848,273) 150,718 104,652 (928) (761) 214,821 72,428 364,611 176,319 7,550,465 (2,671,954) (32,328,254) (24,463,304) 72,417 186,861 2,319,224 13,798,586 (221,910) (202,611) () 178,996 (19,632) 9,226,709 10,720,938 (15,000,000) (15,206,693) (81,750) (332) 16 53 (15,081,734) (15,206,972) 5,616,216 (5,590,370) (10,804,196) 19,988,762 (28,703) 28,960 26,103 9,184,566 () (5,828,922) 4,698,532 6,474,654 1,776,122 $ 645,732 6,474,654 $ 645,732 6,474,654 289

( 三 ) 金融控股公司各類子公司簡明資產負債表及綜合損益表 1. (1) 103.12.31 102.12.31 $ 94,807,281 81,377,414 160,079,341 113,876,926 90,040,166 73,702,161 331,683,821 287,574,678 1,499,486 910,113 170,879,699 164,100,960 824,156 910,400 6,323,343 6,323,343 1,316,825,892 1,201,424,577 68,570,038 60,392,499 64,495,963 31,914,655 3,873,186 2,266,138 40,530,456 33,595,951 11,809,948 11,844,172 3,617,720 2,520,111 22,576,328 8,593,580 2,388,436,824 2,081,327,678 43,243,324 48,126,875 2,046,323 3,217,210 84,348,136 27,256,378 916,322 255,112 60,230,776 61,038,194 58,153,989 43,296,875 1,956,306 1,311,106 1,827,244,890 1,665,207,157 89,912,910 58,269,949 13,568,429 15,656,655 5,049,393 4,983,852 355,712 254,453 4,797,698 5,603,100 2,191,824,208 1,934,476,916 91,092,775 78,622,897 26,182,059 17,182,059 83,186,522 55,654,708 (3,848,740) (4,608,902) 196,612,616 146,850,762 2,388,436,824 2,081,327,678 290

< > (2) 103 年度 % 102 年度 % $ 45,540,893 59 38,154,954 64 (17,505,449) (23) (13,624,343) (23) 28,035,444 36 24,530,611 41 49,268,791 64 35,503,670 59 77,304,235 100 60,034,281 100 (3,342,271) (4) (5,999,304) (10) (36,425,648) (47) (32,542,792) (54) 37,536,316 48 21,492,185 36 (3,274,138) (4) (2,707,279) (5) 34,262,178 45 18,784,906 31 499,676 2 (1,124,032) (2) 34,761,854 47 17,660,874 29 ()() 3.86 2.22 2. (1) 103.12.31 102.12.31 $ 1,709,221 1,510,742 1,502,544 1,203,065 449,554 449,155 10,159 3,528 4,440 3,151 5,194 3,974 517 2,106 3,681,629 3,175,721 960,254 830,750 1,700 14,154 2,379 381 964,333 845,285 50,000 50,000 1,024 1,024 2,663,728 2,277,892 2,544 1,520 2,717,296 2,330,436 3,681,629 3,175,721 (2) 103 年度 % 102 年度 % $ 9,836,906 100 8,032,059 100 (5,997,412) (61) (5,037,702) (63) (726,759) (7) (309,600) (4) 3,112,735 32 2,684,757 33 28,287 17,428 3,141,022 32 2,702,185 33 (535,052) (5) (460,943) (6) 2,605,970 27 2,241,242 27 8,782 (11,088) 2,614,752 27 2,230,154 27 ()() 521.19 448.25 291

3. (1) 103.12.31 102.12.31 $ 15,137,119 13,189,232 3,600 6,900 12,173 9,128 121,483 121,448 21,524 17,020 74,416 75,449 588,594 553,502 15,958,909 13,972,679 9,467,255 7,666,572 5,195 7,348 38,256 56,038 9,510,706 7,729,958 5,357,140 5,357,140 466,551 466,551 654,045 444,894 (29,533) (25,864) 6,448,203 6,242,721 15,958,909 13,972,679 (2) 103 年度 % 102 年度 % $ 1,142,524 100 1,034,968 100 (52,543 ) (5) (42,187 ) (4 ) (449,146) (39) (420,848) (41) 1,213 1,207 (309,226 ) (27 ) (274,823 ) (26 ) 332,822 29 298,317 29 (35,730 ) (3 ) (34,462 ) (3 ) 297,092 26 263,855 26 (3,212 ) (9,261 ) (1 ) 293,880 26 254,594 25 ()() 0.55 0.49 292

< > 4. (1) 103.12.31 102.12.31 $ 155,800 142,141 3,087,750 3,831,596 51,889 58,355 6,517 291 6,993 34,059 1,456,097 785,237 4,765,046 4,851,679 23,807 18,987 746 846 24,553 19,833 4,000,000 4,000,000 1,081 1,081 () 135,644 (81,162) 603,768 911,927 4,740,493 4,831,846 4,765,046 4,851,679 (2) 103 年度 % 102 年度 % $ 323,400 100 279,015 100 (38,196) (12) (52,423) (19) (60,138) (19) (55,124) (20) 225,066 69 171,468 61 5,680 2 11,042 4 230,746 71 182,510 65 () (13,940) (4) 70,781 25 216,806 67 253,291 90 (308,159) (95) 837,212 300 (91,353) (28) 1,090,503 390 ()() 0.54 0.63 293

5. (1) 103.12.31 102.12.31 $ 2,023,668 2,052,669 2,409,976 2,296,742 1,108,640 1,371,277 387 24 31,068 31,788 10,691 10,669 5,584,430 5,763,169 7,154 3,086 19,063 13,477 26,217 16,563 5,358,820 5,358,820 448 448 76,316 302,019 122,629 85,319 5,558,213 5,746,606 5,584,430 5,763,169 (2) 103 年度 % 102 年度 % $ 58,906 100 68,160 100 (3,757) (6) (8,527) (13) 55,149 94 59,633 87 (266,604) (453) (77,859) (114) (211,455) (359) (18,226) (27) () (14,248) 24 4,217 6 (225,703) (383) (14,009) (21) 37,311 63 74,644 110 (188,392) (320) 60,635 89 ()() (0.42) (0.03) 294

< > 6. (1) 103.12.31 102.12.31 $ 97,067 99,264 103 203 3,502 101 128 42 448 448 140 101,388 100,058 26,513 30,589 27,774 28,764 54,287 59,353 47,695 47,695 739 739 (1,333) (7,729) 47,101 40,705 101,388 100,058 (2) 103 年度 % 102 年度 % $ 204,071 100 176,774 100 (180,760) (89) (156,003) (88) (15,005) (7) (16,614) (9) 8,306 4 4,157 3 764 604 9,070 4 4,761 3 (1,043) (1) (239) 8,027 3 4,522 3 (683) 7,344 3 4,522 3 ()() 1.68 0.95 295

7. (1) 103.12.31 102.12.31 $ 1,914,975 739,723 118,612 96,780 16,544 7,006 5,353 6,155 25,103 2,824 2,080,587 852,488 428,269 309,791 162 3,600 3,360 432,031 313,151 500,000 500,000 9,865 9,865 1,138,691 29,472 1,648,556 539,337 2,080,587 852,488 (2) 103 年度 % 102 年度 % $ 2,263,442 100 928,942 100 (939,888) (42) (946,251) (102) 1,323,554 58 (17,309) (2) 14,497 1 19,273 2 1,338,051 59 1,964 (226,870) (10) 216 1,111,181 49 2,180 1,111,181 49 2,180 ()() 22.22 0.04 296

< > 8. (1) 103.12.31 102.12.31 $ 29,731,290 32,885,107 5,503,685 3,052,499 455,635 147,186 1,056,592 953,205 121,027,247 113,453,225 1,898,727 127,669,548 25,266,267 37,997,375 15,871,478 750,116 330,056 6,552,700 2,631,895 17,980,137 12,474,435 306,946 1,081,880 137,914 3,844,340 677,106 47,854 536,474 2,593,125 2,281,014 32,545,761 9,757,669 386,883,904 224,614,584 4,467,292 3,702,389 16,251 2,235,126 162,910 316,024,254 181,611,834 2,824 1,208,508 784,217 35,609 46,039 871,064 48,539 1,243,697 4,342,414 32,545,761 9,757,669 358,650,386 200,456,011 11,505,741 11,437,759 7,898,939 7,898,939 4,066,550 2,549,833 4,762,288 2,272,042 28,233,518 24,158,573 386,883,904 224,614,584 (2) 103 年度 % 102 年度 % $ 129,885,718 100 75,635,701 100 (126,293,473) (97) (74,048,356) (98) (2,211,360) (2) (1,369,506) (2) 1,380,885 1 217,839 208,672 11,285 1,589,557 1 229,124 () (12,436) 195,240 1,577,121 1 424,364 2,497,824 1 (6,842,904) (9) 4,074,945 2 (6,418,540) (9) ()() 1.37 0.82 297

9. (1) 103.12.31 102.12.31 $ 373,827 420,853 10,531 6,132 2,890 133 17,426 31,992 27,493 26,766 432,167 485,876 40,159 33,336 514 764 40,673 34,100 360,000 391,000 70,950 70,950 (39,855) (10,110) 399 (64) 391,494 451,776 432,167 485,876 (2) 103 年度 % 102 年度 % $ 115,086 100 45,194 100 (172,411) (150) (123,121) (272) (57,325) (50) (77,927) (172) 1,660 1 1,835 4 (55,665) (49) (76,092) (168) () (5,080) (4) 12,921 29 (60,745) (53) (63,171) (139) 463 (64) (60,282) (53) (63,235) (139) ()() (1.69) (2.58) ( 四 ) 本公司獲利能力 % 項 目 103.12.31 102.12.31 () 17.29 11.07 17.39 11.11 () 18.58 11.88 18.69 11.93 98.48 97.07 () () () 298

< > ( 五 ) 本公司及子公司獲利能力 % 項 目 103.12.31 102.12.31 () 1.49 0.95 1.30 0.95 () 21.39 11.95 18.69 11.93 19.58 16.92 () () () ( 六 ) 子公司之獲利能力 1. % 項 目 103.12.31 102.12.31 () 1.46 0.91 1.27 0.92 () 22.97 13.00 19.95 13.07 39.10 30.91 () () () 2. % 項 目 103.12.31 102.12.31 () 2.22 2.54 1.99 2.25 () 5.25 4.88 4.68 4.31 26.22 25.25 () () () 299

3. 項目 103.12.31 102.12.31 % () 0.52 0.12 0.52 0.23 () 6.07 1.15 6.02 2.14 1.46 0.69 () () () ( 七 ) 子公司大陸投資資訊 : 請詳附註十三 ( 二 ) ( 八 ) 子公司重大承諾事項及或有事項 : 請詳附註九 ( 九 ) 子公司重大災害損失 : 無 ( 十 ) 子公司重大期後事項 : 請參詳附註十一 ( 十一 ) 子公司達新台幣一億元以上之關係人交易 : 1. () (1) 關 係 人 名 稱 與 本 公 司 之 關 係 () () () CTBC Bank (Philippines) Corp. PT. Bank CTBC Indonesia CTBC Bank Corp. (Canada) CTBC Capital Corp. The Tokyo Star Bank, Ltd. CTBC Bank Corp. (USA) CTBC Capital Corp. TSB Capital, Ltd. The Tokyo Star Bank, Ltd. TSB Servicer, Ltd. Tokyo Star Business Finance, Ltd. () () CTBC (Mauritius) Holding Co., Ltd. CTBC Asia Limited () () () () () () 300

< > 關 係 人 名 稱 與 本 公 司 之 關 係 () () CTBC International Co., Limited CTBC Capital International Co., Limited () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () () CTC Group Inc. Chailease International Leasing Co., Ltd. (Vietnam) () () () () ()( ) 301

(2) A. 103.12.31 履約情形 與非關係人 類 別 戶數或關係人名稱 本期最高餘額 期末餘額 正常放款 逾期放款 擔保品內容 之交易條件有無不同 327 $ 1,835,333 1,574,958 1,574,958 /// // () 951,744 919,187 919,187 CTC Group Inc. 509,920 496,022 496,022 () 525,270 449,483 449,483 / () () 355,000 355,000 355,000 /() () 366,800 319,200 319,200 / () 245,000 245,000 245,000 // Chailease International Leasing Co, Ltd(Vietnam) 205,500 122,792 122,792 102.12.31 履約情形 與非關係人 類 別 戶數或關係人名稱 本期最高餘額 期末餘額 正常放款 逾期放款 擔保品內容 之交易條件有無不同 322 $1,894,254 1,574,843 1,574,843 /// // CTC Group Inc. 496,980 481,496 481,496 () 414,400 366,800 366,800 / () 355,000 355,000 355,000 /() () 245,000 245,000 245,000 // Chailease International Leasing Co, Ltd(Vietnam) 260,196 194,046 194,046 302

< > B. 103.12.31 關係人名稱 最高餘額 期末餘額 利率區間 利息支出 () $ 15,967,785 8,582,652 0~0.68% 6,294 () 6,504,731 3,913,211 0~1.35% 13,382 () 2,450,221 1,723,328 0~1.35% 14,682 1,174,858 925,923 0~1.35% 8,291 () 3,573,037 728,205 0~0.17% 1,538 () 592,386 532,524 0~0.17% 462 () 513,360 512,650 0~0.17% 853 () 435,506 434,306 0~0.17% 497 415,208 386,495 0~1.40% 1,675 () 489,911 337,350 0~0.17% 769 () 595,449 310,190 0~0.55% 611 () 310,698 298,396 0.04% 120 316,567 290,969 0~1.37% 3,042 () 350,387 290,366 0~0.75% 2,069 () 305,596 282,078 0~0.17% 489 () 503,247 254,204 0~0.17% 759 () 321,421 204,068 0~0.17% 325 () 615,626 177,979 0~0.17% 267 157,464 157,464 0.04~1.37% 1,277 () 15,228,409 144,632 0~0.17% 1,910 () 383,968 138,752 0~0.17% 77 () 133,876 129,525 0~0.001% () 121,466 121,466 0~0.17% 183 () 131,323 118,858 0~0.04% 31 () 265,633 106,945 0~1.10% 958 $ 51,858,133 21,102,536 60,561 102.12.31 關係人名稱 最高餘額 期末餘額 利率區間 利息支出 () $ 3,949,029 3,672,546 0~1.35% 9,957 () 6,295,851 2,830,375 0~0.7% 3,355 () 3,410,523 1,605,055 0~1.35% 13,724 1,081,061 825,586 0~1.35% 6,401 () 887,471 567,740 0.04% 69 () 505,501 505,068 0~0.17% 511 () 508,945 488,440 0~0.17% 385 () 592,292 466,638 0~0.17% 255 () 3,237,683 462,386 0~0.17% 1,334 430,763 406,763 0~1.40% 1,533 () 397,907 375,538 0~1.35% 928 () 343,207 341,188 0~0.81% 1,414 () 728,452 340,968 0~0.55% 2,322 () 1,804,152 321,421 0~0.17% 619 () 333,522 310,698 0.04% 55 () 460,008 306,032 0~0.17% 311 () 261,019 257,529 0~0.17% 206 () 384,843 150,592 0.04~0.17% 162 () 143,338 137,304 0~0.17% 44 () 1,326,573 117,516 0~0.17% 105 () 264,870 106,091 0~0.17% 200 PT Bank CTBC Indonesia 218,875 100,674 0~0.17% 130 $ 27,565,885 14,696,148 44,020 303

C. 102 年度 關係人名稱期末餘額利率區間利息收入 CTBC Bank(Philippines) Corp. $ 2,006,650 0.48~1.04% 8,083 D. 103.12.31 關係人 衍生性商品 合約 名目 本期 資產負債表餘額 名 稱 合約名稱 期間 本金 評價損益 科目 餘 額 PT Bank CTBC Indonesia 102.10.04~ 106.03.27 USD 15,542 (168) (168) () 101.06.12~ 108.09.12 103.05.12~ 104.06.18 103.01.02~ 104.01.06 103.01.07~ 104.01.09 103.09.11~ 104.09.15 103.02.13~ 104.09.23 103.07.02~ 104.07.07 103.01.10~ 104.01.14 NTD 41,290,000 18,143 18,143 CNY 62,295 (235) (235) USD 5,000 199 199 NTD 300,800 (18,037) (18,037) CNH 124,450 5,405 5,405 USD 175,000 318,461 318,461 USD 20,000 2,354 2,354 NTD 296,550 (20,637) (20,637 ) 102.12.31 關係人 衍生性商品 合約 名目 本期 資產負債表餘額 名 稱 合約名稱 期間 本金 評價損益 科目 餘 額 PT Bank CTBC Indonesia 100.10.06~ 105.09.30 USD 11,792 577 577 E. 103 年度關係人名稱購買票券及債券出售票券及債券 () $ 1,000,000 102 年度關係人名稱購買票券及債券出售票券及債券 () $ 1,100,000 304

< > F. a. 關係人名稱 摘要 103 年度 102 年度 () $ 6,042,096 5,086,328 () 193,957 142,190 $ 6,236,053 5,228,518 關係人名稱 摘要 103.12.31 102.12.31 () $ 512,470 509,036 () 2,713 263 $ 515,183 509,299 b. 關係人名稱 摘要 103 年度 102 年度 () $ 102,500 92,152 () 2,317,847 965,479 () 112,759 () 124,225 88,544 $ 2,657,331 1,146,175 關係人名稱 摘要 103.12.31 102.12.31 () $ 569 7,199 () 1,501,538 309,118 () 11,138 () 17,998 5,552 $ 1,531,243 321,869 c. 關係人名稱 摘要 103 年度 102 年度 () () $ 928,742 134,188 ()() PT Bank CTBC Indonesia() 305

2. () (1) 關係人名稱 () () () () () () () () () CTBC(Mauritius) Holding Co., Ltd. CTBC Asia Limited () () 與本公司之關係 () () () (2) A. 103.12.31 關係人名稱 借款期間 利率區間 發行金額 未攤銷應付商業本票折價 帳面價值 () 103.12.22~104.01.14 0.65%~0.75% $ 300,000 (70) 299,930 ()()1. ()()7. 306

< > 3. () (1) 關係人名稱 () () () () () () () () () 與本公司之關係 () () (2) ()()1. ()()12. ()()7. 4. () (1) 關係人名稱 與本公司之關係 () () () () () () () () () CTBC Capital International Co., Limited 100% () CTBC Capital International Co., Limited 100% () () () () () 307

(2) ()()1. ()()7. 5. () (1) 關係人名稱 與本公司之關係 () () () () () () () () () () CTBC International Co., Limited 100% CTBC International Co., Limited 100% () 100% () () () (2) A. 103 年度 關係人 最高餘額 期末餘額 利率區間 利息收入 () $ 1,925,491 1,925,491 0.65~0.75% 13,065 ()()1. ()()7. 6. () (1) 關係人名稱 與本公司之關係 () () () () () () () () () 308

< > (2) ()()8. ()()8. 7. () (1) 關係人名稱 () () () () () () () () () 與本公司之關係 (2) ()()1. 8. () (1) 關係人名稱 與本公司之關係 () () () () () () () () () () () () () () 309

(2) A. 103 年度 關係人 最高餘額 期末餘額 利率區間 利息收入 () $ 249,871 93,368 0.05%~0.40% 115 B. 103.12.31 關 係 人 購買票券及債券 出售票券及債券 () $ 200,000 () 1,000,000 () 200,000 $ 1,400,000 $ C. (): 103.12.31 衍生工具 名目 本期評價 資產負債表餘額 合約名稱 合約期間 本金 損 益 項目 餘額 103.04.10~104.01.15 EUR 5,500 $ 29,773 29,773 103.10.20~104.01.22 JPY 358,000 11,274 11,274 103.04.03~104.09.25 USD 100,000 178,831 178,831 ()()1. ()()12. ()()7. 310

< > 9. () (1) 關係人名稱 () () () () () () () () () () () 與本公司之關係 ()( ) () () (2) ()()1. ( 十二 ) 重大合約之簽訂 : 請詳附註九 ( 一 ) ( 十三 ) 與金融控股公司之各子公司間進行合作推廣行為及資訊交互運用, 其收入及費用之分攤方式 : 70%30% ( 十四 ) 子公司中信人壽併購案及參股案 1. 724,479() 311

16,535(306,711)526,211 202,965 $ 16,535 43,053,728 (42,834,228) 219,500 $ (202,965) 10302153881 2. () 19.99% 17.0785 ( 十五 ) 子公司中信銀行併購案 The Tokyo Star Bank, Ltd.The Tokyo Star Bank, Ltd. The Tokyo Star Bank, Ltd. The Tokyo Star Bank, Ltd. 1. 15,665,085The Tokyo Star Bank, Ltd.100% 2. $ 15,665,085 763,673,444 (733,194,205) 30,479,239 100% 30,479,239 $ (14,814,154) 3. The Tokyo Star Bank, Ltd. 4. 92,704,148 34,977,217 5.136,561 312

< > 6. 10310006310 十三 附註揭露事項 ( 一 ) 重大交易事項相關資訊 1. 2. 3. () / 持有之有價證券與有價證券帳列期末公司種類及名稱發行人之關係科目股數帳面金額持股比率公允價值 ( 註 1) 備 註 24,418 300,497 % 300,498 27,560 400,720 % 400,720 7,500 100,222 % 100,222 1699 22,618 300,489 % 300,489 12,638 200,309 % 200,309 18,505 200,306 % 200,306 1001 4,500 449,554 % 451,896 21,012 305,510 % 305,510 3,877 61,457 % 61,457 20,229 248,939 % 248,939 1699 2,428 32,258 % 32,258 44,815 485,103 % 485,103 () 2,590 68,111 0.02% 68,111 637 36,312 0.45% 36,312 () 3,675 109,882 0.46% 109,882 () 746 22,293 0.09% 22,293 () 745 24,585 1.03% 24,585 () 741 211,966 1.05% 211,966 () 1,010 45,451 0.28% 45,451 () 450 29,385 0.53% 29,385 () 1,052 156,152 1.84% 156,152 () 1,803 112,489 2.80% 112,489 () 1,000 41,950 0.12% 41,950 () 2,065 198,401 5.83% 198,401 () 800 136,000 1.99% 136,000 () 1,257 184,151 2.86% 184,151 () 800 38,600 0.59% 38,600 () 300 21,660 1.46% 21,660 313

持有之有價證券與有價證券帳列期末公司種類及名稱發行人之關係科目股數帳面金額持股比率公允價值 ( 註 1) 備 註 () 2,807 56,977 4.54% 56,977 () 200 32,400 0.41% 32,400 () 660 171,600 2.36% 171,600 () 809 41,227 1.47% 41,227 () 1,000 108,400 1.64% 108,400 () 8,300 99,517 7.52% 99,517 () 200 6,974 0.95% 6,974 KKR 179,508 0.98% 179,508 2,000 140,122 8.70% 140,122 () 10,000 100,000 0.50% 100,000 () 2,250 127,500 6.38% 127,500 () 2,272 250,240 1.00% 250,240 657,738 % 657,738 2 26,937 391,657 % 391,657 27,661 438,430 % 438,430 19,622 262,214 % 262,214 17,033 253,604 % 253,604 18,737 230,582 % 230,582 16,683 273,968 % 273,968 51,690 559,521 % 559,521 1,866 20,204 % 20,204 313 4,289 % 4,289 1 2 4. / 買 賣 有價證券 帳列 交易 期初 買入 賣出 期末 種類及 帳面 處分 之公司 名 稱 科目 對象 關係 股數 金額 股數 金額 股數 售價 成本 損益 股數 金額 The Tokyo 700 15,665,085 700 29,644,718 () Star Bank, 100% () Ltd. 23,052 281,545 24,418 300,000 23,052 282,849 281,545 1,304 24,418 300,000 17,306 250,000 51,743 750,000 41,489 601,472 600,000 1,472 27,560 400,000 16,270 175,000 30,110 325,000 27,875 300,873 300,000 873 18,505 200,000 25,311 400,000 12,673 200,287 200,000 287 12,638 200,000 1699 7,571 100,000 22,618 300,000 7,571 100,295 100,000 295 22,618 300,000 314

< > 5. 取得不動產之公司 () 財產名稱 事實發生日 交易金額 103.05.21 1,289,000 973,560 價款交易對象為關係人者, 其前次移轉資料支付情形交易對象關係所有人與發行人之關係移轉日期金額 () 價格決定之參考依據 取得目的及使用情形 6. 7. 8. 帳列應收款項交易對象應收關係人逾期應收關係人款項應收關係人款項提列備抵關係週轉率之公司名稱款項餘額金額處理方式期後收回金額呆帳金額 513,024 % 104.02.10 () () 513,004 () () 668,876 % 104.02.13 668,876 9. () 10. (1) 交易日期 交易對象 債權組成內容 帳面價值售價處分損益 其他約定事項 // 附帶約定條件 交易對象與本行之關係 103.03.19 CATHY BANK USD 3,194 USD 5,621 USD 2,427 103.04.02 Citibank International plc 151,602 76,627 (74,975) 103.07.18 CATHY BANK USD 7,717 USD 7,717 USD 103.07.25 IR Loan Servicing,Inc. JPY 27,469 JPY 36,170 JPY 8,701 103.07.31 Morgan Stanley Credit Products Japan Co., Ltd. JPY 3,490,187 JPY 3,249,000 JPY (241,187) 103.08.20 IR Loan Servicing,Inc. JPY 122,522 JPY 151,973 JPY 29,451 (2) 10 11. 315

12. 103 年度交易往來情形編號交易人與交易人交易往來對象佔合併淨收益或 ( 註 ) 名稱之關係科目金額交易條件總資產之比率 0 / 144,631 % 1 / 410,000 0.01% / 655,701 0.02% / 649,349 0.02% 728,205 0.02% / 513,685 0.01% / 5,997,085 2.98% / 138,752 % / 303,584 0.01% / 1,502,438 0.04% / 2,263,442 1.12% / 8,323,969 0.23% / 185,620 0.09% / 290,366 0.01% 2 / 4,561,701 2.26% / 301,089 0.01% 102 年度交易往來情形編號交易人與交易人交易往來對象佔合併淨收益或 ( 註 ) 名稱之關係科目金額交易條件總資產之比率 1 / 410,000 0.02% / 589,167 0.02% / 605,543 0.02% 462,386 0.02% / 508,790 0.02% / 5,036,896 3.96% / 339,537 0.01% / 309,118 0.01% / 920,229 0.72% / 2,772,866 0.11% / 127,364 % / 341,188 0.01% CTBC Bank (Philippines) Corp. / 2,006,650 0.08% PT.Bank CTBC Indonesia / 100,667 % 2 / 3,335,604 2.62% / 504,835 0.02% 1.0 2.1 13. 316

< > ( 二 ) 轉投資事業相關資訊 : 被投資公司名稱 所在地區 166168 () 170186188 1886 () / 主要營業項目 本公司及關係企業合併持股情形期末持投資帳本期認列現股擬制持合計股比率面金額之投資損益股數股股數股數持股比率 備註 100.00%196,612,616 34,262,178 9,109,278 9,109,278 100.00% 100.00% 2,717,296 2,605,970 5,000 5,000 100.00% " 1683 99.91% 6,460,574 296,819 535,219 535,219 99.91% " () 16821 100.00% 4,740,493 216,806 400,000 400,000 100.00% " () 16821 100.00% 5,558,213 (225,703) 535,882 535,882 100.00% " () () 45602 2 () 1339 100.00% 62,153 5,763 4,770 4,770 100.00% 100.00% 1,648,556 1,111,181 50,000 50,000 100.00% 1888 100.00% 22,752,670 1,829,910 1,150,574 1,150,574 100.00% " () 18812 100.00% 571,549 (60,745) 36,000 36,000 100.00% " () CTBC Bank 3rd Fl., Tower One, Ayala 99.60% 4,912,730 34,644 246,496 246,496 99.60% " (Philippines) Corp. Triangle, Ayala Avenue cor. Paseo De Roxas, Metro Manila, Makati, Philippines PT Bank CTBC Indonesia CTBC Bank Corp. (Canada) CTBC Capital Corp. () () CTBC Bank Corp. (USA) The Tokyo Star Bank, Ltd. TSB Capital, Ltd. 16th F1, Wisma Tamara, JI Jenderal Sudirman Kev. 24 Jakarta 12920 Indonesia 1518 West Broadway, Vancouver, B.C., Canada, V6J1W8 801 S. Figueroa Street, Suite 2300, Los Angeles, CA 90017 56011 8 282812 801 S. Figueroa Street, Suite 2300, Los Angeles, CA 90017 99.00% 6,130,569 626,434 1 1 99.00% " 100.00% 1,170,335 39,823 2,312 2,312 100.00% " 100.00% 20,626,645 416,643 6 6 100.00% " 21.15% 1,768,036 97,201 114,399 114,399 21.15% 100.00% 242,930 (114,393) 50,000 50,000 100.00% 100.00% 12,510,834 327,575 3 100 3 100 100.00% 235 Akasaka, MinatoKu, Tokyo, 100.00% 29,644,718 2,651,948 700 700 100.00% " 1078480,Japan 271, NishiShinjuku, 100.00% 2,866,260 89,796 1,936 1,936 100.00% " Shinjuku,Tokyo TSB Servicer,Ltd. 2217,Akasaka, Minato,Tokyo 100.00% 442,073 12,919 100.00% " Tokyo Star Business 2217,Akasaka, Minato,Tokyo 100.00% 51,702 8,126 5 5 100.00% " Finance,Ltd. 317

被投資公司名稱 CTBC (Mauritius) Holding Co., Ltd. 所在地區 NOTED that the Registered Office of the Company is situated at 2nd Floor,Felix House, 24 Dr. Joseph Riviere Street, Port Louis, Republic of Mauritius. CTBC Asia Limited Suite 2801, 28/F., Two International Finance Centre, 8 Finance Street, Central, Hong Kong CTBC Capital International Co., Limited Romm 511, 5F, Tower 1 Silvercord Centre No.30 Canton Road Tsim Sha Tsui, HongKong CTBC International Romm 511, 5F, Tower 1 Co., Limited Silvercord Centre No.30 Canton Road Tsim Sha Tsui, HongKong () 1386 121202 主要營業項目 本公司及關係企業合併持股情形期末持投資帳本期認列現股擬制持合計股比率面金額之投資損益股數股股數股數持股比率 備註 100.00% 32,802 1,213 11,113 11,113 100.00% 100.00% 33,313 1,224 86,679 86,679 100.00% " 100.00% 51,889 (7,999 ) 2,060 2,060 100.00% " 100.00% 1,108,640 (295,237 ) 50,000 50,000 100.00% " 100.00% 51,105 (6,205 ) 100.00% " 1386 100.00% 1,078,708 (295,080) 100.00% " 121202 ( 三 ) 大陸投資資訊 1. 大陸被投資公司名稱 主要營業項目 實收資本額 ( 6,194,068 ) USD 206,045 ( ) 投資方式 ( 註一 ) 本期期初自台灣匯出累積投資金額 () 6,194,068 USD 206,045 本期匯出或收回投資金額匯出收回 本期期末自台灣匯出累積投資金額 6,194,068 USD 206,045 // 本公司直接或間接投資之持股比例 " () 1,458,660 CNY 310,000 ( 58,612 ) CNY 12,578 () 1,458,660 CNY 310,000 () 58,612 CNY 12,578 本期認列投資損益 ( 註二 ) 162,064 USD 5,351 期末投資帳面價值 6,764,069 USD 213,256 截至本期止已匯回投資收益 1,458,660 100.00% (295,080) 1,078,708 CNY 310,000 CNY (59,919) CNY 211,366 58,612 CNY 12,578 100.00% (6,205) CNY (1,259) 51,105 CNY 10,104 () () (CTBC International Co., LimitedCTBC Capital International Co., Limited) () () () () () ()() 318

< > 2. // 公司名稱 本期期末累計自台灣匯出赴大陸地區投資金額 () 6,194,068 USD 206,045 1,458,660 CNY 310,000 () 58,612 CNY 12,578 經濟部投審會核准投資金額 6,622,179 USD 208,783 1,478,100 CNY 316,171 61,543 CNY 12,955 依經濟部投審會規定赴大陸地區投資限額 117,967,570 USD 3,719,263 3,334,928 CNY 653,459 2,844,296 CNY 557,323 3. 十四 部門資訊 8 The Tokyo Star Bank, Ltd. ( 一 ) 部門資訊 : 一 三年度 銀行合併法人金融事業 銀行合併個人金融事業 銀行合併日本事業 人壽保險事業 其他 ( 註 ) 調節及銷除 合計 $ 18,106,103 13,700,141 6,182,829 8,044,257 527,961 46,561,291 9,458,818 19,250,980 2,934,861 100,073,197 23,367,897 (220,357) 154,865,396 27,564,921 32,951,121 9,117,690 108,117,454 23,895,858 (220,357) 201,426,687 () (733,807) 1,906,455 537,828 (105,504) (5,249,722) 3,644,750 (104,316,538) 252,788 (104,063,750) (14,393,455) (20,199,515) (5,916,915) (2,105,855) (6,161,590) 220,357 (48,556,973) $ 12,437,659 14,658,061 3,738,603 1,589,557 12,737,334 45,161,214 $ 1,768,785,219 577,809,934 784,251,391 386,883,904 151,075,559 (14,125,943) 3,654,680,064 一 二年度 銀行合併法人金融事業 銀行合併個人金融事業 銀行合併日本事業 人壽保險事業 其他 調節及銷除 合計 $ 13,367,109 14,464,360 241,229 4,591,207 496,317 33,160,222 10,272,487 18,076,394 (24,908) 57,331,457 8,532,101 (181,134) 94,006,397 23,639,596 32,540,754 216,321 61,922,664 9,028,418 (181,134) 127,166,619 () (1,055,386) 706,353 (3,339) (56,267) (6,007,110) (6,415,749) (60,324,034) 322,847 (60,001,187) (12,120,429) (20,389,407) (213,814) (1,313,239) (5,341,813) 181,134 (39,197,568) () $ 10,463,781 12,857,700 (832) 229,124 (1,997,658) (362,268) 21,552,115 $ 1,481,759,269 573,038,871 17,794,507 224,614,584 134,656,996 (7,144,148) 2,424,720,079 The Tokyo Star Bank, Ltd. 14,814,154 319

( 二 ) 地區別資訊 : 地區 103 年度 102 年度 $ 179,482,147 116,008,276 19,103,160 8,898,180 2,841,380 2,260,163 $ 201,426,687 127,166,619 地區 103 年度 102 年度 $ 84,949,021 64,587,221 9,918,133 3,526,646 2,376,546 2,227,703 $ 97,243,700 70,341,570 ( 三 ) 重要客戶資訊 : 320