Annual Report (02) (02) B1 (02) (02)

Annual Report (02)2716-6261 (02)2716-6261 Corporate.Affairs-tw@sc.com 180182 3210B1 (02)2586-5859 http://www.yuanta.com.tw 205131306 (02)2514-7164 5749 (02)8722-5800 5768 http://www.kpmg.com.tw (02)8101-6666 http://www.standardchartered.com.tw

Standard Chartered Bank 壹 / 致股東報告書.................................................................. 5 貳 / 銀行簡介...................................................................... 7 參 / 公司治理報告................................................................... 10........................ 12............................................................. 33.............................................................. 40.............................................................. 41.................................................................. 41..................................................... 41....................... 41................................................................ 42 肆 / 募資情形.................................................................. 44............................................................. 46.................. 48.......................................................... 48 伍 / 營運概況................................................................... 50................................................................... 55................................................................... 56

Annual Report 目錄................................................................... 61................................................................... 61................................................................... 64........................................................... 64 陸 / 財務概況................................................ 66........................................................... 68........................................... 72............................................. 73................................. 141.................................... 150 柒 / 財務狀況及經營結果之檢討分析與風險管理事項.......................................................... 152............................................................... 153.................................................................. 153............................................ 154.............. 154............................................................... 155............................................................ 172............................................................... 172 捌 / 特別記載事項............................................................ 174......................................................... 178.................................................. 178......................................................... 178 附錄 / 總行及國內分支機構一覽表................................................ 179

Standard Chartered Bank www.standardchartered.com.tw 壹 致股東報告書 Letter to Shareholders

Annual Report 壹 致股東報告書 2009GDP9.22%20082GDP 1.87%2010 6.13%5.74% 8.3% 2010 4.72%2009 2009 121.15%1.54%20096%17% 9% 16%25% 20091.562.32 6% 12% 7742%45 PEM 55 49PEM20096 62% 10%1712482.2% 2.57%1.41% 51.19%33%9% 85196 13.85%10.13%20101100 11.58% 20098AA+(twn)F1+(twn)A F17twAA+twA-1+ 99

Standard Chartered Bank www.standardchartered.com.tw 貳 銀行簡介 Bank Profile

Annual Report 貳 銀行簡介 一 銀行設立日期及沿革 () Here for good (Good Bank) 二 最近年度及截至年報刊印日止辦理銀行併購 轉投資關係企業 重整之情形 100% 100%175 三 董事 監察人及依銀行法第二十五條第三項規定應申報股權者, 其股權之 大量移轉或更換 : 無

Standard Chartered Bank www.standardchartered.com.tw 參 公司治理報告 Corporate Governance

Annual Report 參 公司治理報告 一 組織系統 20091231 ( 一 ) 組織架構圖 消費金融處 企業暨金融客戶處 環球市場處 信託部 國外部 股東會董事會總經理 國際金融業務分行 證券部 稽核室 人力資源處 資訊營運處 法務處 公共事務處 風險管理處 財務暨不動產服務處 10

Standard Chartered Bank ( 二 ) 各主要部門所營業務 1. ( ) 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 11

Annual Report 參 公司治理報告 Standard Chartered Bank 二 董事 監察人 總經理 副總經理 協理 各部門及分支機構主管資料 ( 一 ) 董事 監察人基本資料 1. 20091231 Katherine King-Suen Tsang 98.12.10 3 98.08.31 Alberta 98.8.31 Sunil Kaushal 98.12.10 3 97.08.27 Jaspal Singh Bindra 98.12.10 3 96.07.01 Xavier Labour Relations Institute, Jamshedpur 98.12.10 3 96.07.01 / Fou Tsong Ling 98.12.10 3 97.11.25 () (ICAEW) Olga Louise Zoutendijk 98.12.10 3 98.12.10 Michael Thomas Pratt 98.12.10 3 98.12.10 Swinburne (Graduate Diploma in Organisational Behaviour) (Advanced Management Programme, or AMP) 98.12.10 3 98.12.10 (AC N ielsen Taiwan) (EMBA) 12 13

Annual Report 參 公司治理報告 Standard Chartered Bank 20091231 98.12.10 3 98.12.10 Norman Lyle Jardine Matheson Grosvenor Asia Pacific Limited 98.12.10 3 95.12.13 Cabinet Top Office Edward Martin Williams 98.12.10 3 98.12.10 98.12.10 James Francis McCabe 98.8.31 95.12.13 3 95.12.13 Christian Andreas Werner 95.12.13 3 96.07.01 98.3.1 San Mun Chen 95.12.13 3 96.07.01 98.12.10 Andrew James Hardacre 95.12.13 3 96.07.01 98.12.10 14 15

Annual Report 參 公司治理報告 2. 20091231 Standard Chartered Bank 100% Standard Chartered Holdings Limited 3. 20091231 Standard Chartered Holdings Limited 100% Standard Chartered PLC 4. 20091231 1 2 3 4 5 6 7 8 9 10 Katherine King-Suen Tsang Sunil Kaushal Jaspal Singh Bindra Fou Tsong Ling Olga Louise Zoutendijk 16

Standard Chartered Bank Michael Thomas Pratt Norman Lyle Edward Martin Williams James Francis McCabe 98.8.31 Christian Andreas Werner 98.3.1 San Mun Chen 98.12.10 Andrew James Hardacre 98.12.10 V 1 2 3 4 5 6 7 8 9 30 10 27 17

Annual Report 參 公司治理報告 Standard Chartered Bank ( 二 ) 總經理 副總經理 協理 各部門及分支機構主管資料 20091231 () 970701 0 0 0 0 0 0 B. Commerce, Bombay University; Chartered Accountant from the Institute of Chartered Accountants (India) 971001 0 0 0 0 0 0 MBA, Northwestern University, The Hong Kong University of Science and Technology 980226 0 0 0 0 0 0 Finance, Southern Illinois University 981031 0 0 0 0 0 0 MBA, Cal. State University, Dominguez Hills 2 960701 0 0 0 0 0 0 MA in Personnel Management and Industrial Relations, Tata Institute of Social Sciences 970522 0 0 0 0 0 0 Industrial Management & Engineering, New Jersey Institute of Technology 960701 0 0 0 0 0 0 971222 0 0 0 0 0 0 960701 0 0 0 0 0 0 MBA, Columbia University Graduate School of Business 971124 0 0 0 0 0 0 BA (Honours) in Economic & Accounting, University of Newcastle Upon Tyne 1 971128 0 0 0 0 0 0 MBA-Finance, St. John's University 970425 0 0 0 0 0 0 MBA, University of Iowa 960701 0 0 0 0 0 0 960701 0 0 0 0 0 0 960608 0 0 0 0 0 0 890306 0 0 0 0 0 0 960701 0 0 0 0 0 0 960701 0 0 0 0 0 0 960630 0 0 0 0 0 0 971013 0 0 0 0 0 0 981114 0 0 0 0 0 0 941230 0 0 0 0 0 0 970601 0 0 0 0 0 0 950401 0 0 0 0 0 0 941230 0 0 0 0 0 0 950401 0 0 0 0 0 0 18 19

Annual Report 參 公司治理報告 Standard Chartered Bank () 950401 0 0 0 0 0 0 980601 0 0 0 0 0 0 960701 0 0 0 0 0 0 980701 0 0 0 0 0 0 970601 0 0 0 0 0 0 960701 0 0 0 0 0 0 981114 0 0 0 0 0 0 950401 0 0 0 0 0 0 980301 0 0 0 0 0 0 971101 0 0 0 0 0 0 960701 0 0 0 0 0 0 941230 0 0 0 0 0 0 980701 0 0 0 0 0 0 980701 0 0 0 0 0 0 981101 0 0 0 0 0 0 940412 0 0 0 0 0 0 970701 0 0 0 0 0 0 971101 0 0 0 0 0 0 980701 0 0 0 0 0 0 970701 0 0 0 0 0 0 960701 0 0 0 0 0 0 980427 0 0 0 0 0 0 980301 0 0 0 0 0 0 980803 0 0 0 0 0 0 941230 0 0 0 0 0 0 941230 0 0 0 0 0 0 20 21

Annual Report 參 公司治理報告 Standard Chartered Bank () 970701 0 0 0 0 0 0 980301 0 0 0 0 0 0 980817 0 0 0 0 0 0 981201 0 0 0 0 0 0 980701 0 0 0 0 0 0 981101 0 0 0 0 0 0 Finance, University of Leicester 970601 0 0 0 0 0 0 941230 0 0 0 0 0 0 920428 0 0 0 0 0 0 950401 0 0 0 0 0 0 950401 0 0 0 0 0 0 950401 0 0 0 0 0 0 941230 0 0 0 0 0 0 970601 0 0 0 0 0 0 981101 0 0 0 0 0 0 970701 0 0 0 0 0 0 980701 0 0 0 0 0 0 960701 0 0 0 0 0 0 940401 0 0 0 0 0 0 970724 0 0 0 0 0 0 960928 0 0 0 0 0 0 971101 0 0 0 0 0 0 980701 0 0 0 0 0 0 961015 0 0 0 0 0 0 971101 0 0 0 0 0 0 971101 0 0 0 0 0 0 22 23

Annual Report 參 公司治理報告 Standard Chartered Bank () 970601 0 0 0 0 0 0 981101 0 0 0 0 0 0 981214 0 0 0 0 0 0 970601 0 0 0 0 0 0 960701 0 0 0 0 0 0 981214 0 0 0 0 0 0 980701 0 0 0 0 0 0 931026 0 0 0 0 0 0 971101 0 0 0 0 0 0 980608 0 0 0 0 0 0 Statistics, Economics and Analytics, National Chung Hsing University 980701 0 0 0 0 0 0 980701 0 0 0 0 0 0 981201 0 0 0 0 0 0 981101 0 0 0 0 0 0 981101 0 0 0 0 0 0 970601 0 0 0 0 0 0 971103 0 0 0 0 0 0 MBA, University of Michigan 980401 0 0 0 0 0 0 Financial Management and Control, Aston University 981101 0 0 0 0 0 0 980701 0 0 0 0 0 0 971227 0 0 0 0 0 0 971227 0 0 0 0 0 0 980504 0 0 0 0 0 0 MBA, St. Louis University 981101 0 0 0 0 0 0 980701 0 0 0 0 0 0 981016 0 0 0 0 0 0 International Management, Australian National University 970601 0 0 0 0 0 0 1() 2() 24 25

(%)Annual Report 參 公司治理報告 Standard Chartered Bank ( 三 ) 二 九年度支付董事 ( 含獨立董事 ) 監察人 總經理及副總經理之酬金 1. (1) 董事 ( 含獨立董事 ) 之酬金 1 AB CD (A) (B) (C)(D) (E) (F) (G) (H) ABCDEFG (%) Katherine King-Suen Tsang 98.8.31 Sunil Kaushal Jaspal Singh Bindra Fou Tsong Ling Olga Louise Zoutendijk 41,939 41,939 (2) (2) Michael Thomas Pratt James Francis McCabe 98.8.31 Christian Andreas Werner 98.3.1 San Mun Chen 98.12.10 1 2 3$18,375 26 27

Annual Report 參 公司治理報告 (2) 酬金級距表 (A+B+C+D) (A+B+C+D+E+F+G) (I) (J) 2,000,000 2,000,0005,000,000 5,000,00010,000,000 10,000,00015,000,000 15,000,00030,000,000 30,000,00050,000,000 50,000,000100,000,000 100,000,000 0 0 3 3 28

Standard Chartered Bank 2. (A) (B) (C) (D) AB CD (%) Norman Lyle Edward Martin Williams 820 820 () () (98.12.10) Andrew James Hardacre (98.12.10) (A+B+C+D) 2,000,000 2,000,0005,000,000 5,000,00010,000,000 10,000,00015,000,000 15,000,00030,000,000 30,000,00050,000,000 50,000,000100,000,000 100,000,000 1 1 29

Annual Report 參 公司治理報告 Standard Chartered Bank 3. (1) 總經理及副總經理之酬金 (A) ABCD (C) (D) (%) (B) Sunil Kaushal Jamie Ling 64,851 64,851 41,515 41,515 () () Vasudevan Narasimha Michael Coye (2) 酬金級距表 2,000,000 2,000,0005,000,000 5,000,00010,000,000 10,000,00015,000,000 15,000,00030,000,000 30,000,00050,000,000 50,000,000100,000,000 100,000,000 10 10 4. 30 31

Annual Report 參 公司治理報告 ( 四 ) 本行及合併報表所有公司於最近二年度支付本行董事 監察人 總經理及副總經理酬金總額佔稅後純益比例之分析 2009 2008 () 510.02 % () 4.58 % () 343.86 % ( 五 ) 支付酬金之政策 標準與組合 訂定酬金之程序與經營績效及未來風險之關聯性 32

Standard Chartered Bank 三 公司治理運作情形 ( 一 ) 董事會運作情形 18 6 0 100% 98.8.31 Katherine King-Suen Tsang 6 17 1 94% Sunil Kaushal 5 13 28% Jaspal Singh Bindra 18 0 100% 17 1 94% Fou Tsong Ling 0 1 0% 98.12.10 Olga Louise Zoutendijk 2 0 0 0% 98.12.10 Michael Thomas Pratt 2 1 1 50% 98.12.10 2 1 1 50% 98.12.10 2 9 5 56% 98.12.10 Edward Martin Williams 16 13 0 100% 98.8.31 James Francis McCabe 13 0 0 0% 98.3.1 Christian Andreas Werner 2 5 11 31% 98.12.10 San Mun Chen 16 143 1422009 1210 33

Annual Report 參 公司治理報告 ( 二 ) 監察人參與董事會運作情形 18 (%) Norman Lyle 3 17% 98.12.10 0 0% Edward Martin Williams 2 98.12.10 2 13% Andrew James Hardacre 16 ( 三 ) 依銀行業公司治理實務守則規定揭露之項目 : ( 四 ) 公司治理運作情形及其與銀行業公司治理實務守則差異情形及原因 1. 2. 3. 1. 2. 3. 97529 1. 2. 1. 981210 2. 34

Standard Chartered Bank 1. 2. 1. 2. 1. 2. 3. 4. 5. 6. 7. 8. 35

Annual Report 參 公司治理報告 ( 五 ) 履行社會責任情形 : 銀行對環保 社區參與 社會貢獻 社會服務 社會公益 消費者權益 人權及安全衛生與其他社會責任活動所採行之制度與措施及履行情形 : 請參閱營運概況第 56 頁 ( 六 ) 公司治理守則及相關規章查詢方式 http://newmops.tse.com.tw ( 七 ) 其他重要資訊 http://newmops.tse.com.tw 36

Standard Chartered Bank ( 八 ) 內部控制制度執行狀況 1. 渣打國際商業銀行內部控制制度聲明書 2. 會計師檢查渣打國際商業銀行股份有限公司報告渣打國際商業銀行股份有限公司董事會公鑒 0980002150 (88)()18311 37

Annual Report 參 公司治理報告 ( 九 ) 最近二年度違法受處分及主要缺失與改善情形 1. 1. 97 1 28 (2008.1.28) 2. () 3. () 4. () 5. 1. 611 (2009.7.14) ( 十 ) 股東會 董事會及臨時會之重要決議 98.01.19 1. 2. 1. 2. 98.02.26 1. 1. 98.03.25 1. Chris Werner 2. 3. 4. 5. 98.04.27 1. 97 2. 97 3. 97 4. 5. 97 6. 98.05.19 1. 2. Visa Inc.c 1. 2. 3. 4. 5. 1. 2. 3. 4. 5. 6. 1. 2. 38

Standard Chartered Bank 98.05.26 1. 1. 98.06.03 1. GVEC 1. 98.06.16 1. 1. 630 98.06.30 1. 2. 97 97 3. 4. 5. 1. 2. 3. 4. 5. 98.07.16 1. 1. 97.07.27 1. 2. Standard Chartered International (U.S.A.) (Taipei Forex Inc.) 1. 2. 98.08.27 1. 1. 98.08.31 1. 2. 2009 3. 1. 2. 3. 98.09.25 98.10.23 1. 1. 98.11.26 1. 2010 1. 98.12.10 1. 1. 97.12.14 1. 1. ( 十一 ) 董事或監察人對董事會通過重要決議有不同意見且有記錄或書面聲明者, 其主要內 容 : 無 39

Annual Report 參 公司治理報告 ( 十二 ) 與財務報告有關人士辭職解任情形 : 2008.07.01 2009.08.31 2007.01.08 2009.10.02 四 會計師公費資訊 ( 一 ) 會計師公費資訊級距表 98 1 2,000 2 2,0004,000 3 4,0006,000 5,230 4 6,0008,000 5 8,00010,000 6 10,000 14,710 19,940 ( 二 ) 給付簽證會計師 簽證會計師所屬事務所及其關係企業之非審計公費佔審計公費比例達 四分之一以上者 : 有 14,710 5,230 5,230 98.01.01~99.12.31 IFRS Group report 3,000 2,000 150 80 40

Standard Chartered Bank ( 三 ) 更換會計師事務所且更換之年度審計公費較更換之前一年度之審計公費減少者 : 無 ( 四 ) 審計公費較前一年度減少達 15% 以上者 : 無 五 更換會計師資訊 ( 一 ) 關於前 後任會計師資訊 98630 ( 二 ) 前任會計師對本準則第十條第五款第一目及第二目第三點事項之復函 : 無 六 銀行之董事長 總經理 負責財務或會計事務之經理人, 最近一年內曾任 職於簽證會計師所屬事務所或其關係企業者, 應揭露其姓名 職稱及任職 於簽證會計師所屬事務所或其關係企業之期間 : 無 七 董事 監察人 經理人及依本法第二十五條第三項規定應申報股權者, 其 股權移轉及股權質押變動情形 : 無 八 持股比例占前十大股東間互為財務會計準則公報第六號關係人關係之資 訊 : 無 41

Annual Report 參 公司治理報告 九 銀行 銀行之董事 監察人 總經理 副總經理 協理 各部門及分支機 構主管及銀行直接或間接控制之事業對同一轉投資事業之持股數, 並合併 計算綜合持股比例 300,000 100% 300,000 100% 300,000 100% 300,000 100% 630,000 3.18% 630,000 3.18% 3,417,440 4.84% 3,417,440 4.84% 3,943,335 0.99% 3,943,335 0.99% 1,007,969 4.76% 1,007,969 4.76% 4,550,000 1.14% 4,550,000 1.14% 18,850,000 2.73% 18,850,000 2.73% 5,000,000 2.94% 5,000,000 2.94% 6,030,000 20% 6,030,000 20% 197,412 3.35% 197,412 3.35% 494,852 0.17% 494,852 0.17% 2,025,000 5% 2,025,000 5% 84,980 1.42% 84,980 1.42% 13,346,123 5.24% 13,346,123 5.24% 42

Standard Chartered Bank www.standardchartered.com.tw 肆 募資情形 Fund Raising 43

Annual Report 肆 募資情形 一 股份及股利 ( 一 ) 股本來源 98.12.31 10 3,000,000,000 30,000,000,000 2,910,571,976 29,105,719,760 981211 425,000,000 98714 09800321990 981211 2,910,571,976 89,428,024 3,000,000,000 2,910,571,976 10 98630 2 0 425,000,000 ( 二 ) 股東結構 20091231 0 0 0 0 1 1 0 0 0 0 2,910,571,976 2,910,571,976 (%) 0 0 0 0 100 100 ( 三 ) 股權分散情形 20091231 () () (%) 1,000,001 1 2,910,571,976 100 1 2,910,571,976 100 44

Standard Chartered Bank ( 四 ) 主要股東名單 20091231 (%) (Standard Chartered Bank) 2,910,571,976 100 ( 五 ) 最近二年度每股市價 淨值 盈餘 股利及相關資料 2009 2008 2010 2 28 12.03 12.71 12.21 12.03 12.71 2,510,024 2,184,905 2,510,024 (1.86) 0.01 0.16 (1.86) 0.01 0 0 0 0 0 0 0 0 (%) 2007118 ( 六 ) 股利政策及執行狀況 : 無 ( 七 ) 本次股東會擬議之無償配股對銀行營業績效及每股盈餘之影響 : 無 ( 八 ) 員工分紅及董事 監察人酬勞 1. 111 2. 3. ( 九 ) 銀行買回本行股份情形 : 無 45

Annual Report 肆 募資情形 二 金融債券發行情形 94-1 94-2 98-1 98-2 98-3 0930036631 0930036631 09800417430 09800417430 09800417430 94.01.05 94.01.24 98.10.28 98.12.11 98.12.11 10,50,100, 500,1000 10,50,100, 500,1000 10 1000 1000 100 100 100 100 100 7,636,700 2,363,300 10,000,000 150,000 150,000 1.493% 3.0% 1.493% 3.0% 2.9% 3.4% 104.06.11 3.33% 104.06.11 4.33% 104.06.11 3.33%104.06.11 4.33% 1 0 108.10.28 46

Standard Chartered Bank 7,636,700 2,363,300 10,000,000 150,000 150,000 14,236,161 14,236,161 24,855,720 24,855,720 24,855,720 19,010,243 19,010,243 31,599,000 31,599,000 31,599,000, 104.06.11 104.06.11 () 94.68 % 94.68 % 93.76 % 93.83 % 93.83 %,95.12.20, AA+(twn),95.12.20, AA+(twn),98.10.27, AA(twn) 1 2911 47

Annual Report 肆 募資情形 三 特別股 海外存託憑證 員工認股權憑證及併購或受讓其他金融機構之辦理情形 : 無 四 資金運用計畫執行情形 ( 一 ) 資金運用計畫內容 ( 二 ) 資金運用執行情形 1. 94-194-2 2. 98-1 3. 98-2 98-3 4. 2009 1231 2008 1231 2007 1231 269,976,138 263,555,248 239,557,031 6,420,890 23,998,217 (6,945,130) 13.76% 10.07 % 8.68 % 3.69% 1.39 % (0.39) % 48

Standard Chartered Bank www.standardchartered.com.tw 伍 營運概況 Operations Overview 49

Annual Report 伍 營運概況 一 業務內容 ( 一 ) 各業務別主要經營業務 1. 2. ( 二 ) 所營主要業務之營業比重及其成長變化情形 1. (1) 存款業務 20091231 20081231 (%) (%) (%) 194,831,683 41.44 217,853,367 42.38 (10.57) 101,109,499 21.50 158,826,346 30.90 (36.34) 169,908,865 36.14 121,707,858 23.68 39.60 3,485,983 0.74 3,521,704 0.68 (1.01) 767,371 0.16 12,100,450 2.35 (93.66) 91,994 0.02 29,545 0.01 211.37 470,195,395 100.00 514,039,270 100.00 (8.53) 50

Standard Chartered Bank (2) 放款業務 20091231 20081231 (%) (%) (%) 2,637,315 0.84 1,874,195 0.59 40.72 30,516,779 9.68 33,552,587 10.68 (9.05) 9,127,235 2.89 9,925,046 3.16 (8.04) 57,681,758 18.29 68,185,300 21.70 (15.40) 8,021,854 2.54 12,754,191 4.06 (37.10) 11,212,658 3.56 10,958,745 3.49 2.32 193,059,868 61.22 171,657,012 54.63 12.47 3,102,856 0.98 5,316,915 1.69 (41.64) 315,360,323 100.00 314,223,991 100.00 0.36 2. 2009 2008 (%) 470,195,395 514,039,270 (43,843,875) (8.53) 315,360,323 314,223,991 1,136,332 0.36 8,590,738 11,020,475 (2,429,737) (22.05) 2,914,194 2,907,150 7,044 0.24 2009 2008 (%) 239,938,925 212,602,062 27,336,863 12.86 113,552,228 70,748,165 42,804,063 60.50 158,948,706 147,250,044 11,698,662 7.94 744,101 722,063 22,038 3.05 2,890,297 2,179,170 711,127 32.63 162,583,104 150,151,277 12,431,827 8.28 51

Annual Report 伍 營運概況 ( 三 ) 二 一 年經營計劃 1. (1) (2) (3) (4) (5) (6) (7) (8) 2. (1) (2) (3) ( 四 ) 市場分析 1. 2010 2. 2010 52

Standard Chartered Bank 3. 有利因素 1,700 705,600 企業金融業務之主要優勢 : 消費金融業務之主要優勢 : 150 不利因素 因應對策 ( 五 ) 金融商品研究與業務發展概況 1. (1) e-$avervisae-minie Mortgage one (2) 2. 53

Annual Report 伍 營運概況 ( 六 ) 長短期業務發展計畫 1. (1) (2) (3) (4) (5) IAS() (6) (7) 2. (1) (2) (3) 1060 (4) () 54

Standard Chartered Bank 二 從業員工 ( 一 ) 從業員工資料 2009 2008 2010 0.05% 0.02% 0.05% 50 22886 92 87 40 928 966 923 30 2,044 2,358 2,066 20 822 1,264 838 20 0 0 0 3,880 4,680 3,914 35.20 34.50 35.10 7.08 7.01 7.16 14.71% 13.16% 14.74% 74.52% 75.58% 74.61% 10.67% 11.20% 10.55% 0.05% 0.04% 0.05% 309 306 307 940 822 912 294 211 307 421 582 438 20 25 20 290 314 288 3,619 4,052 3,714 14 13 14 161 204 174 504 606 509 1,390 1,690 1,395 1,595 1,922 1,612 260 312 263 1,577 1,701 1,586 28 32 28 5 6 5 17 21 17 416 277 430 744 905 741 1,295 1,619 1,304 1,465 1,633 1,472 421 458 426 285 375 285 55

Annual Report 伍 營運概況 ( 二 ) 員工之進修與訓練 2009 2008 18,936 25,403 5,546 8,362 914 1,201 792 1,195 三 企業責任 二 九年永續經營業務成績 (Environmental Protection) 1. (AIESEC) 56

Standard Chartered Bank AIESEC 2. () ()() 3. (Seeing is Believing) 1.? 2. 3. 4. 57

Annual Report 伍 營運概況 (Living with HIV) 1. 2. 3. Living with HIV 4. 5. - Living with HIV 6. e-learning Relay of Love () 7. 58

Standard Chartered Bank We Can! We Will! (Staff Voluntary Service) 1. 2. 3. 4. 5. 6. 7. 1. 59

Annual Report 伍 營運概況 2. 3. () 承擔社會責任, 投入的除了金錢, 更重要的是員工的投入 矢志作業界表率, 成為最佳夥伴 60

Standard Chartered Bank 四 資訊設備 ( 一 ) 主要資訊系統硬體 軟體之配置及維護 HP NonStop Server S88012OS Nonstop kernel G06.24 ( 二 ) 未來開發或購置計劃 : 無 ( 三 ) 緊急備援與安全防護措施 1. 2. 3. 五 勞資關係 ( 一 ) 員工福利措施 1. 2. 3. 4. 5. 6. 7. 8. 61 61

Annual Report ( 二 ) 退休制度 退休制度 1. 2. 3. () 4. A. LPA B. LPA % () C. % D. 5. 62

Standard Chartered Bank 離職金制度 1. 2. ( 三 ) 勞資間之協議 : 1. ( 四 ) 員工權益維護措施 1. 2. ( 五 ) 最近年度因勞資糾紛所遭受之損失與未來可能發生之估計金額及因應措施 : 無 63

Annual Report 伍 營運概況 六 重要契約 2008/9/6 2009/12/31 2009/11/1 2010/11/1 2007/10~2015/09 七 證券化商品相關資訊 12,005,275 10,204,484 1,800,791 13,234,322 10,322,7712,911,551 1,800,7912,911,551 64

Standard Chartered Bank www.standardchartered.com.tw 陸 財務概況 Financial Highlights 65

Annual Report 陸 財務概況 一 最近五年度簡明資產負債表及損益表 ( 一 ) 簡明資產負債表 2009 2008 2007 2006 2005 2010 2 28 () 119,564,299 114,479,587 47,677,767 34,426,520 22,844,125 125,943,277 28,514,878 39,295,509 25,466,317 26,648,345 9,191,723 27,413,219 0 1,179,467 0 0 11,654,485 0 0 1,794,670 0 0 0 0 108,235,427 121,529,284 78,376,287 52,191,033 59,124,302 93,965,317 () 313,086,588 310,526,139 290,276,544 292,427,161 272,226,019 322,165,523 () 27,262,328 27,530,677 23,395,936 9,521,656 12,452,634 23,567,615 368,502 273,667 455,318 682,864 1,316,036 401,533 7,589,391 7,974,132 7,407,436 7,915,222 7,426,859 7,617,936 3,516,119 3,784,134 541,430 0 0 3,350,371 340,118 403,869 229,722 235,615 475,287 338,501 7,964,904 7,714,076 6,736,876 5,103,843 5,357,826 7,263,257 616,442,554 636,485,211 480,563,633 429,152,259 402,069,296 612,026,549 49,355,596 21,038,002 26,102,625 14,791,312 16,391,571 58,355,467 470,195,395 514,039,270 380,960,938 351,231,310 319,323,286 469,059,171 19,961,310 30,594,969 20,331,565 44,331 45,284 17,719,380 0 412,853 1,145,992 17,778,465 16,106,077 0 29,500,120 19,725,868 14,811,900 24,266,820 22,106,250 19,672,569 12,421,088 19,075,249 13,396,863 6,143,190 6,406,864 11,688,388 581,433,509 604,886,211 456,749,883 414,255,428 380,379,332 576,494,975 581,433,509 604,886,211 456,749,883 414,255,428 382,159,582 29,105,720 24,855,720 21,575,720 16,545,167 15,745,358 29,105,720 10,430,441 6,183,410 5,049,515 225,000 8,917 10,430,441 (4,644,410) 17,915 (2,145,349) (1,871,122) 5,554,398 (4,221,165) (4,644,410) 17,915 (2,145,349) (1,871,122) 3,280,069 28,128 352,768 (888,436) (383,517) 0 133,571 89,166 189,187 222,300 381,303 381,303 83,007 0 0 0 0 (12) 0 35,009,045 31,599,000 23,813,750 14,896,831 21,689,964 35,531,574 35,009,045 31,599,000 23,813,750 14,896,831 19,909,714 20092005-2008 66

Standard Chartered Bank ( 二 ) 簡明損益表 2009 2008 2007 2006 2005 2010228 () 8,539,126 10,313,594 9,014,110 7,614,852 7,246,888 1,361,382 8,823,569 8,096,615 7,966,539 4,864,918 4,390,240 1,489,378 17,362,695 18,410,209 16,980,649 12,479,770 11,637,128 2,850,760 9,902,218 7,711,246 8,003,862 11,607,776 2,882,651 393,817 12,335,065 11,651,107 10,081,776 6,789,811 5,410,917 1,883,274 (4,874,588) (952,144) (1,104,989) (5,917,817) 3,343,560 573,669 (4,662,325) 17,915 (498,357) (5,218,484) 3,190,856 412,703 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 66,607 0 0 (4,662,325) 17,915 (498,357) (5,151,877) 3,190,856 412,703 () (1.86) 0.01 (0.26) (3.16) 2.03 0.16 ( 三 ) 查核會計師姓名及查核意見 2009 2008 2007 2006 2005 67

Annual Report 陸 財務概況 二 最近五年度財務分析 ( 一 ) 比率分析 2009 2008 2007 2006 2005 2010228 () 67.07 61.13 76.76 84.14 86.16 68.68 1.41 2.57 2.83 2.18 2.46 1.39 0.97 1.67 1.93 1.74 1.42 0.08 3.94 5.53 5.47 4.71 4.44 0.51 0.03 0.03 0.04 0.03 0.03 0.005 () 4,458 3,934 3,729 3,714 4,821 728 () (1,197) 4 (109) (1,533) 997 105 % (20.49) (4.66) (6.65) (34.74) 17.42 2.21 (0.74) 0.01 (0.11) (1.24) 0.80 0.07 (14.00) 0.06 (2.57) (28.16) 15.68 1.17 (26.85) 0.10 (2.93) (41.28) 27.42 14.48 (1.86) 0.01 (0.26) (3.16) 2.03 0.16 94.32 95.04 95.04 96.53 94.61 94.19 21.68 25.28 32.20 53.13 34.24 21.44 (3.15) 32.45 11.98 6.74 2.29 (0.72) (411.96) 13.83 (81.33) (276.99) 10.94 111.77 (59.82) 51.55 30.91 (62.31) 43.44 (38.59) 699.62 305.40 71.60 340.97 (259.18) (93.43) (413.14) (112.71) (76.85) 23.56 23.28 22.35 14.95 17.46 21.90 () 1,223,845 1,488,132 2,748,116 2,001,043 2,284,402 1,266,230 0.36 0.45 0.89 0.66 0.80 0.37 1.79 1.88 1.55 1.40 1.09 1.77 (1) 1.62 1.56 1.12 0.83 1.05 1.64 (1) 1.82 1.30 1.69 1.60 1.39 1.82 (1) 1.63 1.62 1.50 1.64 1.58 1.67 (1) 1. 68

Standard Chartered Bank 120102 2 1. (1) (2) (3) (4) (5) (6) (7) 2. (1) = (2) (3) (4) (5) () 3. (1) = (2) 4. (1) =() (2) =() 5. (1) =( ) (2) (3) 6. 7. (1) (2) (3) (4) 69

Annual Report 陸 財務概況 ( 二 ) 資本適足性 2009 2008 2007 2006 2005 29,105,720 24,855,720 21,575,720 16,545,167 15,745,358 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10,430,441 6,183,410 5,049,515 225,000 8,918 5,374 0 0 3,228,441 2,271,184 0 0 332 332 320 (2,324,893) 17,915 (1,072,841) (5,099,895) 3,282,895 0 0 0 0 0 (1,213,541) (1,371,671) (1,107,275) 0 (12) 3,156,048 3,384,383 0 0 0 0 0 0 0 0 6,607,859 4,950,446 4,914,902 1,201,445 939,287 26,239,195 21,350,545 19,530,549 13,697,601 20,369,376 0 0 0 0 0 19,597,407 10,000,000 10,000,000 10,000,000 10,000,000 381,303 381,303 381,303 381,303 381,303 45% (1) 427,289 689,546 26,926 138,481 115,655 0 0 0 0 0 0 0 0 1,428,736 268,925 10,000,000 8,762,968 4,800,000 2,259,272 1,600,000 0 0 0 0 0 0 0 0 0 0 (2,324,893) 0 (1,072,841) 0 0 456,465 452,833 563,427 510,192 939,286 27,624,642 19,380,984 13,571,961 13,697,600 11,426,597 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 53,863,836 40,731,529 33,102,510 27,395,201 31,795,973 70

Standard Chartered Bank 2 314,873,303 331,477,325 314,828,550 - - - - - - - - - - - - 34,866,993 35,774,925 33,091,135 - - / - - - - - - - - - - 31,688,991 37,278,206 33,635,550 - - - - - - - 381,429,287 404,530,456 381,555,235 302,107,124 265,474,427 13.76 10.07 8.68 9.07 11.98 (%) 6.88 5.28 5.12 4.53 7.67 (%) 6.88 4.79 3.56 4.53 4.30 (%) 0.00 0.00 0.00 0.00 0.00 (%) 4.72 3.91 4.49 3.86 3.92 12009,, $1,385,447 22009, NT100, 20101, 11%~12% 1200545% 22007BASEL II 3BASEL II2005-200650% 4 1. 2.12.5 3. 4. 5. 6. 7. 71

Annual Report 陸 財務概況 三 二 九年度財務報告之監察人查核報告書 監察人查核報告書 Norman Lyle Edward Martin Williams 72

Standard Chartered Bank 四 二 九年度財務報告及會計師查核意見 會計師查核報告 渣打國際商業銀行股份有限公司董事會公鑒 : 0980002150 (88)()18311 73

Annual Report 陸 財務概況 渣打國際商業銀行股份有限公司資產負債表 98.12.31 97.12.31 11000 11500 (()) $ 5,808,959 15,670,941 (63) (()) 113,755,340 98,808,646 15 12000 (() ())) 12500 28,514,878 39,295,509 (27) (()) - 1,179,467 (100) 13000 13400 13500 14000 15000 15500 18500 19000 19500 (()()) 27,262,328 27,530,677 (1) (()) - 1,794,670 (100) (()()) 313,086,588 310,526,139 1 (()()) 108,235,427 121,529,284 (11) (()) 368,502 273,667 35 (()()) 340,118 403,869 (16) (()) 7,589,391 7,974,132 (5) (()()) 3,516,119 3,784,134 (7) (()()) 7,964,904 7,714,076 3 $ 616,442,554 636,485,211 (3) 74

Standard Chartered Bank 98.12.31 97.12.31 21000 () $ 49,355,596 21,038,002 135 22000 ( ()() ) 19,961,310 30,594,969 (35) 22500 (()) - 412,853 (100) 23000 (()) 6,408,514 12,799,007 (50) 23010 () 2,577,875 1,919,127 34 23500 (()) 470,195,395 514,039,270 (9) 24000 (()) 29,500,120 19,725,868 50 25500 (()) 331,065 624,367 (47) 29500 (()) 3,103,634 3,732,748 (17) 581,433,509 604,886,211 (4) (()()()) 31000 1098971231 3,000,0002,500,0002,910,572 2,485,572 29,105,720 24,855,720 17 31500 10,430,441 6,183,410 69 32002 5,374 - - 32012 () (4,649,784) 17,915 (26,055) (4,644,410) 17,915 (26,025) 32503 381,303 381,303-32523 28,128 352,768 (92) 32525 3,253 - - 32544 (295,390) (192,116) (54) 117,294 541,955 (78) 35,009,045 31,599,000 11 (()() () ) $ 616,442,554 636,485,211 (3) 75

Annual Report 陸 財務概況 渣打國際商業銀行股份有限公司損益表 98 97 41000 (()()) $ 13,332,390 17,769,177 (25) 51000 ( ) 4,793,264 7,455,583 (36) 8,539,126 10,313,594 (17) 49100 (()) 3,388,655 4,239,656 (20) 49200 ( ()) 1,448,951 591,441 145 49300 () (()) 233,778 (61,647) 479 49500 (()) 297,240 202,282 47 49600 772,839 919,894 (16) 48095 (()) 2,274,048 1,814,557 25 49700 (45,203) (14,469) (212) 49800 (()()() ) 453,261 404,901 12 17,362,695 18,410,209 (6) 51500 (()()) 9,902,218 7,711,246 28 58500 (()()()) 6,092,847 6,055,327 1 59000 (()) 646,288 770,850 (16) 59500 () 5,595,930 4,824,930 16 12,335,065 11,651,107 6 61001 (4,874,588) (952,144) (412) 61003 (()) (212,263) (970,059) 78 69000 () $ (4,662,325) 17,915 (26,125) 76

Standard Chartered Bank 69500 ()()( ()) (1.86) 0.01 77

Annual Report 陸 財務概況 Standard Chartered Bank 渣打國際商業銀行股份有限公司股東權益變動表 () () () $ 21,575,720 5,049,515-332 (2,145,681) 381,303 (888,436) - (159,003) 23,813,750 (()) - (2,145,349) - (332) 2,145,681 - - - - - (()) 3,280,000 3,279,244 - - - - - - - 6,559,244 - - - - 17,915 - - - - 17,915 () (()) - - - - - - 1,241,204 - - 1,241,204 - - - - - - - - (33,113) (33,113) 24,855,720 6,183,410 - - 17,915 381,303 352,768 - (192,116) 31,599,000 (()) 4,250,000 4,247,031 - - - - - - - 8,497,031 (()) - - 5,374 - (5,374) - - - - - - - - - (4,662,325) - - - - (4,662,325) () (()) - - - - - - (324,640) - - (324,640) () (() ()) - - - - - - - 3,253-3,253 - - - - - - - - (103,274) (103,274) $ 29,105,720 10,430,441 5,374 - (4,649,784) 381,303 28,128 3,253 (295,390) 35,009,045 78 79

Annual Report 陸 財務概況 渣打國際商業銀行股份有限公司現金流量表 98 97 () $ (4,662,325) 17,915 9,902,218 7,711,246 28,866 44,668 551,958 680,810 94,330 90,040 () (233,778) 61,647 (297,240) (202,282) - (111,580) (98) (105) (123,122) (123,852) (361,307) - 288,986 30,701 45,203 14,469 (361,838) (1,254,111) () (14,946,694) (58,338,531) () 10,783,884 (13,027,685) () 268,349 (3,782,083) (14,617,668) (21,387,971) () 63,751 (76,921) () 1,065,427 (1,244,880) () () 28,317,594 (5,845,402) () (10,732,147) 9,442,949 () (43,843,875) 116,190,530 () (6,403,291) 1,829,720 658,748 1,881,475 80

Standard Chartered Bank () (293,302) 577,990 () (487,821) 246,672 () (45,295,192) 33,425,429 () 1,179,467 (1,179,467) 2,431,202-189,284 26,945 (468,223,217) (181,374,089) 481,518,941 142,357,637 202,405 122,740-338,283-2,857-44,740 (299,816) (1,143,497) 253,735 510,986 (()()) 224,291 4,516,522 () 17,476,292 (35,776,343) (412,853) (733,139) 19,699,039 4,913,968 (9,826,299) - 8,497,031 6,559,244 17,956,918 10,740,073 () (9,861,982) 8,389,159 15,670,941 7,281,782 $ 5,808,959 15,670,941 $ 6,027,208 10,515,035 $ 252,384 284,052 () $ (324,640) 1,241,204 $ - 2,145,349 81

Annual Report 陸 財務概況 渣打國際商業銀行股份有限公司財務報表附註 () 一 公司沿革 () ( ) () ()()()() 3,8954,680 二 重要會計政策之彙總說明 82

Standard Chartered Bank () ()()() () 83

Annual Report 陸 財務概況 1. 2. 3. 84

Standard Chartered Bank () 1. 2. 3. 4. 85

Annual Report 陸 財務概況 () 971120340 86

Standard Chartered Bank 87

Annual Report 陸 財務概況 () () () 88

Standard Chartered Bank ()(96)052 () 2,000() 三 會計變動之理由及其影響 (96)052 89

Annual Report 陸 財務概況 四 重要會計科目之說明 () 98.12.31 97.12.31 $ 4,302,736 4,832,908 443,271 569,489 1,062,952 10,268,544 $ 5,808,959 15,670,941 () 98.12.31 97.12.31 $ 3,200,573 6,549,917 13,628,425 11,174,048 105,572 98,459 576,292 700,833 17,510,862 18,523,257 33,084,623 30,600,475 63,159,855 49,684,914 96,244,478 80,285,389 $ 113,755,340 98,808,646 () 98.12.31 97.12.31 $ 7,801,409 10,134,705 20,713,469 29,160,804 $ 28,514,878 39,295,509 $ - 961,541 19,961,310 29,633,428 $ 19,961,310 30,594,969 90

Standard Chartered Bank 98 97 () $ 89,899 806,982 1,359,052 (277,369) $ 1,448,951 529,613 $ - 61,828 $ 267,967 150,183 () 98.12.31 97.12.31 $ 337,546 5,238,023 708,509 1,250,032 16,044,809 6,926,319 1,509,772 2,319,660 7,223,801 10,332,004 6,141,413-321,368 214,462 506,521 1,332,744 32,793,739 27,613,244 76,756 82,567 5,454,655 - $ 27,262,328 27,530,677 GVEC Resource Iv Inc. (GVEC)GVECPEM 191,640PEM 170,000 () 1,794,670 91

Annual Report 陸 財務概況 () 98.12.31 97.12.31 $ 2,637,315 1,874,195 30,516,779 33,552,587 9,127,235 9,925,046 57,681,758 68,185,300 8,021,854 12,754,191 11,212,658 10,958,745 193,059,868 171,657,012 3,102,856 5,316,915 315,360,323 314,223,991 2,273,735 3,697,852 $ 313,086,588 310,526,139 $ - 1,293 98 $ 2,576,909 1,203,510 3,780,419 () 10,426,426 (499,548) 9,926,878 5,815,186-5,815,186 86,965-86,965 $ 7,101,184 703,962 7,805,146 97 $ 1,641,181 611,071 2,252,252 6,992,032 592,439 7,584,471 588,416-588,416 920,117-920,117 31,127-31,127 7,595,964-7,595,964 $ 2,576,909 1,203,510 3,780,419 92

Standard Chartered Bank 7,805,1462,273,735( )5,531,4113,780,4193,697,852 82,567 9,902,2184,472,223 5,454,65524,6607,711,246 7,584,471126,775 2,274,0481,814,557() 423,445598,279 3,102,8565,316,915 27,71440,050 98.12.31 97.12.31 $ 306,532,870 304,981,536 8,827,453 9,242,455 $ 315,360,323 314,223,991 98.12.31 813,737 23,230,899 3.50% 330,393 40.60% 885,384 55,217,370 1.60% 1,039,721 117.43% 2,436,600 186,664,327 1.31% 455,150 18.68% 306,396 47,326,707 0.65% 448,471 146.37% - 2,617,285 - % - - % - 303,735 - % - - % 4,442,117 315,360,323 1.41% 2,273,735 51.19% 43,173 7,223,801 0.60% 66,785 154.69% - 16,044,809 - % - - % 93

Annual Report 陸 財務概況 97.12.31 3,598,569 22,519,253 15.98% 937,433 26.05% 964,878 69,882,158 1.38% 1,475,013 152.87% 3,039,771 169,530,423 1.79% 585,346 19.26% 461,548 48,227,559 0.96% 700,060 151.68% - 3,938,174 - % - - % - 126,424 - % - - % 8,064,766 314,223,991 2.57% 3,697,852 45.85% 104,549 10,332,004 1.01% 72,384 69.23% - 6,926,319 - % - - % 98.12.31 97.12.31 $ 37,914 176,821 32,524 228,793 394,252-73,653 - $ 432,166 176,821 106,177 228,793 94

Standard Chartered Bank () 98.12.31 97.12.31 $ 9,985,487 14,917,405 16,164,082 27,243,530 192,977 1,020,149 66,895,496 58,058,480 5,376,000 9,188,153 4,892,330 6,174,224 103,506,372 116,601,941 4,729,055 4,890,794-36,549 $ 108,235,427 121,529,284 $ 255 621,296 () 98 97 $ 352,768 (888,436) () (90,862) 1,179,557 () 233,778 (61,647) $ 28,128 352,768 12,005,275 10,204,484 1,800,791 13,234,322 10,322,771 2,911,551 1,800,7912,911,551 95

Annual Report 陸 財務概況 1. 98.12.31 () $ 30.00 20.00 0.73 1.33 () 1.50 2.50 2.60 2.60 97.12.31 () $ 30.00 20.00 1.45 2.09 () 1.50 2.00 2.60 2.60 2. 1020 98.12.31 $ 1,725,467 2,633,445 10 (347) (7,964) 20 (704) (8,860) 10 (650) (3,510) 20 (1,301) (7,019) 97.12.31 $ 1,747,147 2,775,773 10 (3,579) (9,542) 20 (4,714) (11,614) 10 (1,816) (1,663) 20 (3,633) (3,326) 3. 96

Standard Chartered Bank 4. 98 $ 68,117 94,237 5,000 5,000 529 2,110 (530) (1,933) 97 $ 83,947 96,751 5,000 5,000 500 1,885 (358) (1,870) () 98.12.31 97.12.31 100.00 $ 21 343,738 100.00 21 246,312 100.00 368 24,764 100.00 368 27,355 20.00 98,400 95,747 20.00 98,400 95,747 98,789 464,249 98,789 369,414-95,747-95,747 $ 98,789 368,502 98,789 273,667 () 0.99 $ 38,065 38,065 0.99 38,065 38,065 () 4.84 29,000 29,000 4.84 29,000 29,000 () 1.14 45,500 45,500 1.14 45,500 45,500 () 3.18 6,673 6,673 3.03 6,000 6,000 () 5.00 20,250 20,250 5.00 20,250 20,250 () 4.76 10,080 10,080 4.76 12,157 12,157 () 2.73 188,500 188,500 2.73 188,500 188,500 () 2.94 50,000 50,000 2.94 50,000 50,000 () 1.42 849 849 1.42 849 849 ()(()) 3.35 2,468 2,468 3.35 2,468 2,468 () 0.17 9,277 9,277 0.17 9,277 9,277 () 5.24 94,546 94,546 12.74 94,546 94,546 495,208 495,208 496,612 496,612 - - 202,969-202,969 $ 495,208 292,239 496,612 293,643 97

Annual Report 陸 財務概況 297,240202,282 202,405122,740 ()77,090338,283 ()10,250 44,740()34,490 ()16,731 11,673 ()673 () 98.12.31 97.12.31 $ 3,734,784 3,891,845 3,461,529 3,256,382 972,783 1,115,555 6,700 7,387 531,490 497,251 2,633,947 3,054,621 11,341,233 11,823,041 3,801,953 4,132,894 7,539,280 7,690,147 13,826 83,500 36,285 200,485 $ 7,589,391 7,974,132 98 97 $ 4,009,495 3,688,089 518,396 657,623-91,133 27,562 34,041 777,548 461,391 $ 3,777,905 4,009,495 98

Standard Chartered Bank () 98.12.31 97.12.31 $ 3,156,048 3,384,383 154,333 228,416 205,738 171,335 $ 3,516,119 3,784,134 3,156,048() 94,33090,040( ) () 98.12.31 97.12.31 $ 4,778,567 4,483,638 ( 25,035 3,231) ( 181,168) ( 121,209639,827) 835,582 29,941 1,111,532 326,919-568,926 943,447 1,988,580 228,389 150,506 67,387 165,566 $ 7,964,904 7,714,076 $ 21,561 13,971 1,852 977 1,003 $ 39,364 99

Annual Report 陸 財務概況 () 98.12.31 97.12.31 $ - 1,179,467 0.50 0.651,179,554 98.12.31 97.12.31 $ - 412,853 0.421.20413,050 () 98.12.31 97.12.31 $ 3,485,983 3,521,704 169,908,865 121,712,849 101,109,499 158,826,346 128,563,288 102,405,129 66,268,395 115,443,247 767,371 12,100,450 91,994 29,545 $ 470,195,395 514,039,270 $ 31,637 82,684 100

Standard Chartered Bank () 98.12.31 97.12.31 91-1A 94-1 94-2 95-1 97-1 98-1 98-2 98-3 4.25 4.596.7.19 1.493 1.493 90 0.22102.12.27 Libor+2.185Libor+2.685 107.3.12 2.9 3.4108.10.28 104.06.11 3.33104.06.11 4.33 104.06.11 3.33104.06.11 4.33 $ 1,200 2,900 7,636,700 7,636,700 2,363,300 2,363,300-4,800,000-4,922,968 10,000,000-4,798,704-4,798,704-29,598,608 19,725,868 (98,488) - $ 29,500,120 19,725,868 8,000,000 10,000,000 () 4,800,000 150,000 300,000 95-197-1 4,800,000150,000 10,000,000 101

Annual Report 陸 財務概況 () 98 97 $ 1,514,811 1,770,372 9,315,448 12,614,939 842,696 1,227,047 267,967 150,183 1,391,468 2,006,636 $ 13,332,390 17,769,177 () () 98 97 $ 237,108 167,364 49,115 68,743 37,968 3,137-111,580 (110,080) (30,701) 16,731 11,673 361,307 - (157,061) - 18,173 73,105 $ 453,261 404,901 () 98 97 $ 1,571,343 1,969,450 508,825 282,206 148,051 157,843 565,650 356,207 102

Standard Chartered Bank () 6 98.12.31 97.12.31 $ (1,431,739) (1,810,693) (705,254) (514,964) (2,136,993) (2,325,657) (982,543) (840,747) (3,119,536) (3,166,404) 1,571,343 1,969,450 (1,548,193) (1,196,954) 143,221 211,243 11,112 17,173 1,303,751 1,032,863 (475,541) (420,532) $ (565,650) (356,207) $ 1,783,476 2,255,622 98 97 $ 177,177 162,841 60,667 66,510 (44,782) (47,703) 83,478 100,558 232,285 - $ 508,825 282,206 98 97 1.50% 2.50% 3.50% 3.50% 2.50% 2.50% ()354,391471,311 8,03015,096 103

Annual Report 陸 財務概況 () 1. 20 98.12.31 97.12.31 781,577 615,481 150,439 295,981 19,357 5,953 197,145 123,932 715,514 781,577 96,36638,572-98 15.57 14.92 11.46 11.46 () 3/5 3/5 () 52.9/43.7 52.9/42.6 () 3.33/5.33 3.33/5.33 () 1.8/2.5 1.8/2.5 ()() 3.3/3.2 3.3/3.2 6.4/6.2 5.9/5.8 97 14.52 14.52 11.62 11.62 () 3/5 3/5 () 39.6/48.7 39.6/48.7 () 3.33/5.33 3.33/5.33 () 2.32/2.53 2.32/2.53 ()() 2.50/2.73 2.50/2.73 2.99/3.04 2.99/3.04 104

Standard Chartered Bank 2. 50 98.12.31 97.12.31 71,198 54,192 82,020 47,047 8,909 4,705 2,180 25,336 142,129 71,198 38,00215,780-98 15.51 14.98 14.44 11.75 8.10 () 2/3 2/3 2/3 2/3 2/3 ()() 3.45 3.45 3.45 3.73 3.73 14.25 13.76 13.27 10.72 7.39 97 13.86 17.82 16.26 () 2/3 2/3 2/3 ()() 2.4 2.4 2.4 13.06 16.67 15.22 3. 105

Annual Report 陸 財務概況 98.12.31 97.12.31 6,005 5,257-748 - - - - 6,005 6,005 4. 98.12.31 97.12.31 52,383 36,065 61,056 45,645-10,195-19,132 113,439 52,383 13,2808,344 98 15.51 14.44 11.75 8.10 () 3 3 3 3 ()() 3.43 3.43 3.41 3.41 () 7.13 6.63 5.40 3.73 () 2.81 2.61 2.13 1.46 106

Standard Chartered Bank 97 13.86 17.82 16.26 () 3 3 3 ()() 2.6 2.6 2.6 () 6.42 8.25 7.53 () 2.52 3.25 2.95 50 5. 50 98.12.31 97.12.31 5,142-8,015 5,142 13,157 5,142 2,660436 98 15.51 14.44 11.75 8.10 () 2/3 2/3 2/3 2/3 ()() 3.45 3.45 3.73 3.73 14.25 13.27 10.72 7.39 97 13.86 16.26 () 2/3 2/3 ()() 2.4 2.4 13.06 12.41 107

Annual Report 陸 財務概況 () 25 20 98 97 $ 148,321 284,052 (361,838) (1,254,111) 1,254 - $ (212,263) (970,059) 98 97 $ (1,218,647) (238,036) (152,847) (120,207) (128,074) (152,354) () 45,621 (52,568) (68,085) (105,613) (74,310) (50,571) 2,821 150,517 (4,097) 54,517 173,985 9,224 1,211,370 - - (464,968) $ (212,263) (970,059) 108

Standard Chartered Bank 98 97 $ - 14,870 71,401 (131,160) (12,898) - (6,295) (13,499) 14,150 (33,288) () (30,887) 25,435 () 157,657 (29,553) 20 26 39,276 42,997 (38,034) 964,835 (757,828) (1,495,274) - 12,108 896,728 - (758,249) (158,593) 63,121 - - 11,953 - (464,968) $ (361,838) (1,254,111) () 98.12.31 97.12.31 $ 152,820 30,564 121,342 30,335 585,935 117,187 1,374,220 343,555 321,612 64,322 38,086 9,521 62,399 12,480 133,151 33,288 5,874 1,175 5,972 1,493 16,150,683 3,230,137 12,171,374 3,042,844 64,490 12,898 - - 463,804 92,762 820,815 205,204 4,425,621 885,124 634,374 158,593 2,438,840 487,768 2,635,219 658,805 (315,605) (63,121) - - (463,647) (92,729) - - $ 4,778,567 4,483,638 109

Annual Report 陸 財務概況 () 98.12.31 97.12.31 $ (148,321) (284,052) 108,160 64,104 214,462 150,358 4,097 54,517 144,224 229,535 (1,254) - $ 321,368 214,462 98.12.31 $ 6,190,278 6,171,264 3,789,141 $ 16,150,683 98.12.31 97.12.31 $ 782,529 711,080 98 () 97() 0.00% 33.33% () () 1. 328,000 20 425,00020 110

Standard Chartered Bank 2. 98.12.31 97.12.31 $ 10,430,441 6,183,410 3322,145,349 3. () 5,374 4. 30 (1) 99.99% (2) 0.01% 5. 2,510,024 2,184,905 () 1. (1) 111

Annual Report 陸 財務概況 (2) (3) (4) (5) (6) (7) ()Black Scholes Model FBS 98.12.31 97.12.31 $ 7,801,409 10,134,705 20,713,469 29,160,804 103,506,372 116,601,941 4,729,055 4,890,794-36,549-961,541 19,961,310 29,633,428 2,228,263 1,678,648 2. 98.12.31 () () () $ 103,353,309 977,667 971,665 510,240,073 6,835,654 4,067,496 138,824,441 4,253,060 2,849,562 930,428,026 7,091,197 10,624,630 105,113,077 681,981 574,047 39,420,008 873,910 873,910 $ 1,827,378,934 20,713,469 19,961,310 112

Standard Chartered Bank 97.12.31 () () () $ 91,538,316 1,854,906 1,837,996 285,198,165 4,117,268 4,019,003 182,767,938 2,420,917 2,339,731 1,028,929,483 12,951,936 16,634,731 158,671,144 7,304,017 4,290,207 7,599,942 511,760 511,760 $ 1,754,704,988 29,160,804 29,633,428 : 3. (1) (value at risk) (250) 97.5() 98 97 $ 12,157 23,387 2,896 4,284 8,442 1,670 39,791 67,307 25,878 51,881 69,520 33,390 (2) 67.3962.37 113

Annual Report 陸 財務概況 98.12.31 97.12.31 $ 38,502,036 43,121,263 11,805,610 20,478,931 1,789,587 2,473,366 241,855,850 224,397,246 21,407,240 23,753,185 $ 315,360,323 314,223,991 98.12.31 (%) 1 2,472,854 7.05% 2 1,775,956 5.06% 3 1,666,746 4.75% 4 1,430,094 4.08% 5 1,373,170 3.91% 6 1,165,000 3.32% 7 1,043,723 2.97% 8 1,010,316 2.88% 9 961,189 2.74% 10 880,545 2.51% 97.12.31 (%) 1 5,832,056 18.45% 2 3,176,869 10.05% 3 2,321,744 7.35% 4 1,858,966 5.88% 5 1,618,000 5.12% 6 1,550,167 4.91% 7 1,363,751 4.32% 8 1,277,007 4.04% 9 1,262,486 4.00% 10 1,173,226 3.71% 114

Standard Chartered Bank (3) 23.5623.28 98.12.31 3 31 15 5 $ 4,746,007 - - 1,062,952 5,808,959 19,241,649 17,149,119-77,364,572 113,755,340 3,370,710 3,865,240 20,890,859 388,069 28,514,878 34,226,389 2,580,670 35,862,195 234,117,334 306,786,588 63,946,293 22,388,028 6,134,580 4,489,035 96,957,936 47,760 119-292,239 340,118 10,922,386 14,718,970 3,958,880 17,101,008 46,701,244-7,507,428 10,070,063-17,577,491 $ 136,501,194 68,209,574 76,916,577 334,815,209 616,442,554 $ 23,933,453 3,624,234-21,797,909 49,355,596 3,207,850 4,183,786 12,283,559 286,115 19,961,310 375,497,233 55,473,238 8,693,289 799,998 440,463,758 1,200 - - 19,597,408 19,598,608 331,065 - - - 331,065 3,827,620 1,851,966 1,023,982 5,386,455 12,090,023 17,733,149 21,900,000 - - 39,633,149 $ 424,531,570 87,033,224 22,000,830 47,867,885 581,433,509 $ (288,030,376) (18,823,650) 54,915,747 286,947,324 35,009,045 115

Annual Report 陸 財務概況 97.12.31 3 31 15 5 $ 15,670,941 - - - 15,670,941 70,279,034 16,639,873-11,889,739 98,808,646 6,616,896 5,797,917 23,027,755 3,852,941 39,295,509 33,378,176 18,616,208 50,473,762 207,705,160 310,173,306 33,267,968 47,827,041 15,348,802 10,662,838 107,106,649 178,650 - - 225,219 403,869 14,199,596 7,688,613 11,833,263 16,529,351 50,250,823-3,120,325 9,005,437 2,649,706 14,775,468 $ 173,591,261 99,689,977 109,689,019 253,514,954 636,485,211 $ 16,600,098 4,437,904 - - 21,038,002 6,402,102 6,304,738 17,233,912 654,217 30,594,969 366,801,973 119,471,725 8,360,260 5,312 494,639,270 2,900 - - 19,722,968 19,725,868 624,367 - - - 624,367 3,624,743 10,061,802 76,090 5,101,100 18,863,735-19,400,000 - - 19,400,000 $ 394,056,183 159,676,169 25,670,262 25,483,597 604,886,211 $ (220,464,922) (59,986,192) 84,018,757 228,031,357 31,599,000 130 3190 91180 1811 1 $ 714,384,894 237,231,273 70,641,377 38,345,980 44,762,699 323,403,565 749,893,572 174,460,708 118,181,672 90,897,321 59,843,803 306,510,068 (35,508,678) 62,770,565 (47,540,295) (52,551,341) (15,081,104) 16,893,497 116

Standard Chartered Bank 130 3190 91180 1811 1 $ 11,525,663 3,460,335 2,646,084 2,182,517 1,038,473 2,198,254 10,660,644 6,021,755 1,966,569 556,611 297,698 1,818,011 865,019 (2,561,420) 679,515 1,625,906 740,775 380,243 130 3190 91180 1811 1 $ 727,092,937 155,943,974 89,057,473 80,955,618 65,663,955 335,471,917 747,681,921 133,912,917 130,538,318 104,525,218 119,489,037 259,216,431 (20,588,984) 22,031,057 (41,480,845) (23,569,600) (53,825,082) 76,255,486 130 3190 91180 1811 1 $ 9,158,769 3,562,427 2,492,578 1,491,328 257,759 1,354,677 9,638,825 3,533,409 1,920,109 1,322,078 507,399 2,355,830 (480,056) 29,018 572,469 169,250 (249,640) (1,001,153) 117

Annual Report 陸 財務概況 (4) () 98.12.31 130 3190 91365 12 23 3 4 45 5 $ 5,806,520 - - - - - - - 2,439 5,808,959 55,589,708 20,520,526 36,807,808 331,969 204,831-300,498 - - 113,755,340 28,469,016 2,155 38,686 3,285 - - 1,736 - - 28,514,878 16,220,219 17,200,038 3,435,473 4,879,125 9,526,561 12,014,508 9,442,000 228,530,090 5,538,574 306,786,588 49,145,047 15,098,211 17,710,158 8,298,485 780,041 1,383,693 53,266 4,489,035-96,957,936 47,760-119 - - - - 292,239-340,118 3,080,578 7,128,006 11,473,181 647,324 45,365 - - 16,059,717 8,267,073 46,701,244 - - 7,507,428 6,421,339 1,866,616 1,462,508 319,600 - - 17,577,491 $ 158,358,848 59,948,936 76,972,853 20,581,527 12,423,414 14,860,709 10,117,100 249,371,081 13,808,086 616,442,554 $ 45,131,236 600,126 3,624,234 - - - - - - 49,355,596 19,961,310 - - - - - - - - 19,961,310 343,399,383 31,665,361 55,473,238 7,789,548 522,100 100,000 281,642 831,634 400,852 440,463,758 19,598,608 - - - - - - - - 19,598,608 232,577 - - - - - - 98,488-331,065 2,749,905-100,181 154,633-1,084 8,810 4,064,268 5,011,142 12,090,023 11,933,149 5,800,000 21,900,000 - - - - - - 39,633,149 $ 443,006,168 38,065,487 81,097,653 7,944,181 522,100 101,084 290,452 4,994,390 5,411,994 581,433,509 $ (284,647,320) 21,883,449 (4,124,800) 12,637,346 11,901,314 14,759,625 9,826,648 244,376,691 8,396,092 35,009,045 118

Standard Chartered Bank 97.12.31 130 3190 91365 12 23 34 45 5 $ 15,468,555 - - - - - - - 202,386 15,670,941 59,643,348 22,525,425 16,639,873 - - - - - - 98,808,646 38,226,014 968,702 41,375 3,640 15,281-96 40,401-39,295,509 12,237,958 20,592,571 19,334,122 7,856,424 12,414,786 10,466,119 19,730,022 207,541,304-310,173,306 15,285,145 17,662,599 48,762,621 8,541,615 4,708,446 3,204,117 4,107,971 4,834,135-107,106,649 81,325 - - - - - - 225,219 97,325 403,869 9,281,234 5,181,915 4,054,866 273,453 - - - 25,124,280 6,335,075 50,250,823 - - 3,120,325 2,075,490 3,712,832-3,217,115 2,649,706-14,775,468 $ 150,223,579 66,931,212 91,953,182 18,750,622 20,851,345 13,670,236 27,055,204 240,415,045 6,634,786 636,485,211 $ 13,543,286 2,892,676 4,602,040 - - - - - - 21,038,002 29,014,721 862,685 3,540 90,313 165,515 153,934 100,298 203,963-30,594,969 294,499,102 72,117,430 119,627,621 7,694,075 666,255 - - - 34,787 494,639,270 4,802,900-14,922,968 - - - - - - 19,725,868 624,367 - - - - - - - - 624,367 - - - - - - - 4,693,867 14,169,868 18,863,735 - - 19,400,000 - - - - - - 19,400,000 $ 342,484,376 75,872,791 158,556,169 7,784,388 831,770 153,934 100,298 4,897,830 14,204,655 604,886,211 $ (192,260,797) (8,941,579) (66,602,987) 10,966,234 20,019,575 13,516,302 26,954,906 235,517,215 (7,569,869) 31,599,000 119

Annual Report 陸 財務概況 190() 91180() 1811() 1 $ 112,825,713 28,153,812 37,724,681 238,755,792 417,459,998 83,005,668 256,715,791 42,230,731 21,864,993 403,817,183 29,820,045 (228,561,979) (4,506,050) 216,890,799 13,642,815 35,009,045 () 103.38 () 38.97 190() 91180() 1811() 1 $ 1,980,943 676,358 506,017 213,325 3,376,643 1,299,790 1,474,728 76,413 325,387 3,176,318 681,153 (798,370) 429,604 (112,062) 200,325 33,777 () 106.31 () 593.08 190() 91180() 1811() 1 $ 302,794,712 41,697,833 22,966,809 81,654,834 449,114,188 133,359,220 188,295,163 71,941,060 44,494,966 438,090,409 169,435,492 (146,597,330) (48,974,251) 37,159,868 11,023,779 31,599,000 () 102.52 () 34.89 190() 91180() 1811() 1 $ 1,877,588 548,645 1,771 166,927 2,594,931 2,673,370 130,280 64,722 150,589 3,018,961 (795,782) 418,365 (62,951) 16,338 (424,030) 38,916 () 85.95 () (1,089.60) 120

Standard Chartered Bank (5) 98 (%) $ 12,873,223 0.40 () 110,119,613 1.51 319,925,693 2.92 4,702,969 1.39 107,503,638 1.30 () 39,210,577 0.69 () 279,851,246 0.19 () 216,548,149 1.34 620,953 0.58 21,647,792 2.52 97 (%) $ 11,330,053 1.19 () 51,280,842 3.19 304,051,439 4.13 6,209,404 2.39 84,632,509 2.37 () 37,366,885 2.46 () 203,912,994 0.43 () 193,975,747 2.50 1,443,604 1.82 19,243,069 3.76 (6) (7) 121

Annual Report 陸 財務概況 4. 98.12.31 98.12.31 $ 10,017 $ (10,906) (9,762) 11,115 (31,637) 31,581 98,488 (101,382) $ 67,106 $(69,592) 97.12.3 97.12.31 $ 1,293 $ (909) 621,296 (623,458) (82,684) 81,324 $ 539,905 $ (543,043) 5. $6,300,000 3,253 98 $ 3,253 () 1. 97 $ 767,012 122

Standard Chartered Bank 104 (3) 2. 97.12.31 $ 362,922 367,914 3. 97 $ 5,826 2,182 10,918 五 關係人交易 () Standard Chartered Bank Taipei Branch (SCB Taipei) Standard Chartered Bank New York (SCB New York) Standard Chartered Bank London (SCB London) Standard Chartered Bank Tokyo (SCB Tokyo) Standard Chartered Bank Hong Kong Limited (SCB HK) Standard Chartered Bank Singapore (SCB Singapore) Standard Chartered Bank India (SCB India) Standard Chartered Bank Dubai (SCB Dubai) AMEX Bank Ltd. Singapore (AEB Singapore ) Standard Chartered Bank China (SCB China) Standard Chartered Bank Malaysia (SCB Malaysia) Scope International Private Ltd. Standard Chartered First Bank Korea LT (SCFB Korea) Standard Chartered APR Limited (SC APR) 123

Annual Report 陸 財務概況 () 1. 98.12.31 1 $ 819,560 0.17 0.00~8.00 97.12.31 1 $ 429,567 0.09 0.00~8.00 8 9,20010,980 2. 98.12.31 26 9,312 5,425 5,425-36 124,927 101,277 101,277-2 6,296 5,392 5,392-97.12.31 30 14,076 8,895 8,895-41 144,220 108,300 108,300-1 4,155 2,567 2,567-2,1553,244 124

Standard Chartered Bank 3. 98 SCB New York $ 750,427 0.05~0.60 268 SCB HK 192,522 - - SCB Tokyo 57,588 0.00~0.74 3 62,415 0.01~1.97 181 $ 1,062,952 452 97 SCB New York $ 9,625,676 0.00~1.35 14,346 SCB HK 603,461 - - 39,407 - - $ 10,268,544 14,346 4. 98 SCFB Korea $ 25,593,086 0.27~1.05 35,254 SCB Taipei 24,247,260 0.05~3.30 272,048 SCB New York 5,438,531 0.85~1.70 116,210 SCB London 3,618,555 1.10~5.88 662,142 4,262,423 0.03~4.64 135,574 $ 63,159,855 1,221,228 97 SCB London $ 19,070,161 1.30~5.88 321,966 SCB Taipei 16,698,874 2.00~5.36 211,637 SCB Tokyo 10,692,651 0.50~4.64 51,349 3,223,228 2.80~7.10 310,540 $ 49,684,914 895,492 87,800 324,451 125

Annual Report 陸 財務概況 5. 98 SCB New York $ 7,997,839 0.18~0.28 591 SCB Tokyo 6,088,881 0.13~3.60 26,232 SCB HK 3,846,329 0.10~0.35 20,620 SCB Taipei 3,808,592 0.28~1.04 20,658 $ 21,741,641 68,101 97 SCB London $ 6,200,683 2.00~3.14 185,373 SCB HK 4,922,968 4.50~4.80 101,882 SCB Taipei 1,541,976 0.96 21,595 SCB Tokyo 1,410,292 0.20 135,932 137,747 4.50~5.35 4,744 $ 14,213,666 449,526 2,638103,133 6. 98.12.31 () SCB London 99.1.4~102.4.24 $ 76,568,818 1,374,422 99.5.20~101.10.12 47,837,186 716,835 99.1.8~99.10.7 19,361,678 (57,444) 99.2.2~102.8.13 25,275,049 (122,573) 1,912,018 (537,596) 2,256,986 (1,540,151) 408,233 (465,677) 151,992 (274,565) 126

Standard Chartered Bank 99.1.11~103.4.9 84,305,356 (3,091,246) 99.1.1~105.10.9 55,429,063 (93,108) SCB Singapore 99.1.4~99.9.3 75,763,653 (186,725) 100.12.19 703,810 14,211 SCB New York 99.1.4~99.5.24 174,279 (5,083) 912,632 (4,003,878) 433,420 (526,528) 799,466 (986,191) 14,211 590 (5,673) 97.12.31 () SCB London 98.1.2~98.11.12 $ 13,639,397 259,994 98.2.6~101.9.28 69,202,260 (367,945) 98.1.8~100.1.4 3,799,971 (187,182) 98.1.26~102.4.24 130,397,219 533,815 98.2.4~102.8.13 169,927,560 (3,694,302) 98.1.1~99.10.14 59,742,496 (1,620,839) SCB New York 98.1.5 12,852 57 SCB India 98.6.8 229,739 2,995 AEB Singapore 98.8.19~98.9.21 1,365,732 (136,107) SCB Singapore 98.1.2~98.9.9 27,567,227 (185,427) 453,452 (193,458) 924,998 (1,292,943) 162,289 (349,471) 4,292,124 (3,758,309) 2,273,189 (5,967,491) 108,489 (1,729,328) 57 2,995 (136,107) 353,076 (538,503) 127

Annual Report 陸 財務概況 7. 98.12.31 97.12.31 SCB HK $ 4,483,269 4,640,061 8. () 98.12.31 97.12.31 95-1 $ - 4,800,000 98-2 4,798,704 - SC APR 97-1 - 4,922,968 SC APR 98-3 4,798,704 - () 9. 21-231-49 42,500 23,13022,686 22,785 10. 1,947,231 684,457 2,515,9391,919,127 75,94546,283 72,24346,283 11. 150,30863,132 147,512172,813 128

Standard Chartered Bank 12. 98 97 SCB HK $ 13,435 19,346 SCB London 9,819 46,911 SCB Singapore 3,249 24,556 SCB New York 2,949 10,557 956 3,649 $ 30,408 105,019 SCB New York $ 38,890 - Scope International Private Ltd. 36,60 52,595 SCB Singapore 2,597 4,505 SCB London 2,292 17,801 SCB HK - 5,482 18,573 3,513 $ 98,957 83,896 13. 8,662 340,466 231,8488901,996 14. 2,326 22,832 33,44557412 15. () 98 97 $ 64,851 96,015 42,335 16,099 129

Annual Report 陸 財務概況 六 質押之資產 98.12.31 97.12.31 ( ) $ 315,000 410,600 700,000 700,000 $ 1,015,000 1,110,600 98.12.31 97.12.31 ( ) $ 700,000 2,300,000 50,000 50,000 300,000-100,000 50,000 35,000 20,000 150,000 250,000 ( ) 1,335,000 2,670,000 100,000 110,400 10,000 10,000-40,000 110,000 160,400 $ 1,445,000 2,830,400 () () () () () () () () 40,00010,400 130

Standard Chartered Bank 七 重大承諾事項及或有事項 () 32,000 123,122106,344 () 342,658645,74791,551114,426 () $ 422,455 362,747 312,588 294,529 190,172 $ 1,582,491 () 98.12.31 97.12.31 $ 10,231,201 15,335,087 146,976 93,975 1,447,565,399 549,414,298 141,883,069 142,051,356 $ 1,599,826,645 706,894,716 $ 16,879,061 17,476,852 $ 8,590,738 11,020,475 $ 2,788,530 2,185,399 $ - 1,499,177 131

Annual Report 陸 財務概況 () $ 21,183 $ 17 135,464,613 9 72,878 6,324,309 86 135,558,734 6,324,309 $ 141,883,069 $ 141,883,069 $ 41,157 $ 21 136,367,411 13 131 5,642,657 5,642,657 136,408,665 $ 142,051,356 $ 142,051,356 98 97 $ 341 288 27,143 23,907 327 275 348,812 - - 267 376,623 24,737 216 318 194 124 10 7,840-275,815 183-603 284,097 () 376,020 (259,360) 475 9 () $ 375,545 (259,369) 132

Standard Chartered Bank 98.12.31 97.12.31 $ 21,183 41,157 20,433,019 51,836,127 3,547,306 2,931,874 111,484,288 81,599,410 72,878-86 131 6,324,309 5,642,657 $ 141,883,069 142,051,356 八 重大之災害損失 : 無 九 重大之期後事項 : 無 十 其他 () 98 97-4,649,788 4,649,788-4,993,823 4,993,823-290,903 290,903-306,489 306,489-664,906 664,906-455,145 455,145-487,250 487,250-299,870 299,870-551,958 551,958-680,810 680,810-94,330 94,330-90,040 90,040 () 133

Annual Report 陸 財務概況 () ()100% ()09740003110 () 97.8.1 $ (4,180,126) 3,731,654 $ (448,472) () 1. 2. (1) (2) 5851618 3. 4. 不適用 5. (1) (2) 1,616,994 $ 9,046,528 15,774,867 (6,728,339) 3,572,291 $ (3,156,048) 224,2913,348,000 134

Standard Chartered Bank 6. 97 $ 9,790,203 8,379,435 (19,499,329) $ (1,329,691) $ (997,268) () $ (0.46) () 1. 98.12.31 97.12.31 $ 52,459 1,678,238 225,059 7,386,389 1,604 7,517 (187,179) (68,062) 3,462 99,587 (844) (40,075) 1,438 33,438 1,709 38,904 (680,066) (235,526) (746) (34,522) 2. 98 97 () () (0.78) (0.17) (0.74) 0.01 (14.64) (3.44) (14.00) 0.06 () (26.85) 0.10 ()() ()() () 135

Annual Report 陸 財務概況 () 1. 98.12.31 97.12.31 26,239,195 21,350,545 26,239,195 19,380,984 - - 52,478,390 40,731,529 314,873,303 331,477,325 - - - - 34,866,993 35,774,925 - - - - 31,688,991 37,278,206 - - 381,429,287 404,530,456 13.76% 10.07% 6.88% 5.28% 6.88% 4.79% -% -% 4.72% 3.91% 4.25% 3.88% 2. 98.12.31 97.12.31 26,423,446 21,487,379 26,423,446 19,517,818 - - 52,846,892 41,005,197 314,952,176 331,728,749 - - - - 35,035,413 35,790,853 - - - - 31,688,991 37,278,206 - - 381,676,580 404,797,807 13.85% 10.13% 6.92% 5.31% 6.92% 4.82% -% -% 4.72% 3.91% 4.29% 3.91% 136

Standard Chartered Bank 十一 附註揭露事項 () 1. 2. 3. 4. 5. 6. (1) 98/09/28-21,173 21,173 98/08/20 188,842 188,842-98/08/20-16,379 16,379 98/08/20 98/08/20 129,905 129,905-1,440,085 1,463,326 23,241 98/08/20-46,005 46,005 98/08/20-4,045 4,045 98/08/20 298,072 530,065 231,993 98/08/20 1,440 1,440-98/08/28-14,525 14,525 98/10/19 2,466 2,466-98/10/19 1,526 1,526-98/10/19 1,813 1,813-98/10/19-2,740 2,740 98/10/19-1,206 1,206 98/10/19 2,001 2,001-98/10/19 3,745 3,745-137

Annual Report 陸 財務概況 (2) 10() 980928 3,057,940 723,405 723,524 1,531,053 682,570 697,780 - - - - - - 110,705 26,694 33,900 - - - - - - - - - 52,847 7,416 8,122 4,752,545 1,440,085 1,463,326 7. 8. () 1. () 85 100.00% 343,738 280,253 300-300 100% - () 85 100.00% 24,764 16,987 300-300 100% - () () 12319 25867 20.00% - - 6,030-6,030 20% - 0.99% 38,065-3,943-3,943 0.99% - () 1818 4.84% 29,000-3,417-3,417 4.84% - () 81 1.14% 45,500-4,550-4,550 1.14% - () 4008 3.18% 6,673-630 - 630 3.18% - 138

Standard Chartered Bank () () 176111 708 5.00% 20,250-2,025-2,025 5.00% - 4.76% 10,080-1,008-1,008 4.76% - () 243 1 2.73% - - 18,850-18,850 2.73% - () 996B1 2.94% 50,000-5,000-5,000 2.94% - () 2 21815 1.42% 849-85 - 85 1.42% - () (()) 3339 3.35% 2,468-197 - 197 3.35% - () 36311 0.17% 9,277-495 - 495 0.17% - () 28514 5.24% 80,077-13,346-13,346 5.24% - 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 十二 部門別財務資訊 : () 10 () 139

Annual Report 陸 財務概況 () () 140

Standard Chartered Bank 五 二 九年度經會計師查核簽證之母子公司合併財務報表 聲明書 會計師查核報告 (88)()18311 0980002150 141

Annual Report 陸 財務概況 渣打國際商業銀行股份有限公司及其子公司 合併資產負債表 98.12.31 97.12.31 11000 (()) $ 5,808,959 15,670,941 (63) 11500 (()) 113,755,340 98,808,646 15 12000 (() ()) 28,514,878 39,295,509 (27) 12500 (()) - 1,179,467 (100) 13000 (()()) 27,295,532 27,540,873 (1) 13400 (()) - 1,794,670 (100) 13500 (()()) 313,086,588 310,526,139 1 14001 (()()) 108,235,427 121,529,284 (11) 15500 (()()) 340,118 403,869 (16) 18500 (()) 7,609,908 7,995,000 (5) 19000 (()()) 3,518,658 3,784,699 (7) 19500 (()()) 7,965,340 7,719,408 3 $ 616,130,748 636,248,505 (3) 142

Standard Chartered Bank 98.12.31 97.12.31 21000 () $ 49,355,596 21,038,002 135 22000 (()() ) 19,961,310 30,594,969 (35) 22500 (()) - 412,853 (100) 23000 (()) 6,482,367 12,850,076 (50) 23010 () 2,577,875 1,919,127 34 23500 (()) 469,832,096 513,773,977 (9) 24000 (()) 29,500,120 19,725,868 50 25500 (()) 331,065 624,367 (47) 29500 (()) 3,081,274 3,710,266 (17) 31000 31001 581,121,703 604,649,505 (4) (()()()) 1098971231 3,000,0002,500,000 2,910,5722,485,572 29,105,720 24,855,720 17 31500 10,430,441 6,183,410 69 32002 5,374 - - 32012 () (4,649,784) 17,915 (26,055) (4,644,410) 17,915 (26,025) 32503 381,303 381,303-32523 28,128 352,768 (92) 32525 3,253 - - 32544 (295,390) (192,116) (54) 117,294 541,955 (78) 35,009,045 31,599,000 - (()()() ) $ 616,130,748 636,248,505 (3) 143

Annual Report 陸 財務概況 渣打國際商業銀行股份有限公司及其子公司 合併損益表 98 97 41000 ( ()()) $ 13,332,390 17,769,177 (25) 51000 () 4,792,211 7,453,176 (36) 8,540,179 10,316,001 (17) : 49100 ( ) 3,797,479 4,518,302 (16) 49200 ( ()) 1,448,951 591,441 145 49300 () ( ()) 233,778 (61,647) 476 49600 772,839 919,894 (16) 48095 ( ()) 2,274,048 1,814,557 25 49700 (46,174) (14,469) (219) 49800 ( ()()() ) 455,263 405,329 10 17,466,363 18,489,408 (6) 51500 ( ()()) 9,902,218 7,711,246 28 58501 ( ()()()) 6,093,627 6,055,529 1 59000 ( ()) 647,103 771,852 (16) 59500 ( ) 5,599,383 4,835,677 16 12,340,113 11,663,058 6 61001 (4,775,968) (884,896) (440) 61003 ( ()) (113,643) (902,811) 87 69000 () $ (4,662,325) 17,915 (26,125) () $ (4,662,325) 17,915 (26,125) 144

Standard Chartered Bank 69500 ()()(()) (1.86) 0.01 145

Annual Report 陸 財務概況 Standard Chartered Bank 渣打國際商業銀行股份有限公司及其子公司合併股東權益變動表 () () () $ 21,575,720 5,049,515-332 (2,145,681) 381,303 (888,436) - (159,003) 33,707 23,847,457 (()) - (2,145,349) - (332) 2,145,681 - - - - - - (()) 3,280,000 3,279,244 - - - - - - - - 6,559,244 - - - - 17,915 - - - - - 17,915 - - - - - - - - - (33,707) (33,707) ()(()) - - - - - - 1,241,204 - - - 1,241,204 - - - - - - - - (33,113) - (33,113) 24,855,720 6,183,410 - - 17,915 381,303 352,768 - (192,116) - 31,599,000 (()) 4,250,000 4,247,031 - - - - - - - - 8,497,031 (()) - - 5,374 - (5,374) - - - - - - - - - - (4,662,325) - - - - - (4,662,325) ()(()) - - - - - - (324,640) - - - (324,640) ()(()()) - - - - - - - 3,253 - - 3,253 - - - - - - - - (103,274) - (103,274) $ 29,105,720 10,430,441 5,374 - (4,649,784) 381,303 28,128 3,253 (295,390) - 35,009,045 146 147

Annual Report 陸 財務概況 渣打國際商業銀行股份有限公司及其子公司合併現金流量表 98 97 () $ (4,662,325) 17,915 9,902,218 7,711,246 28,866 44,668 552,309 681,225 94,794 90,627 () (233,778) 61,647 - (34,490) (123,122) (123,852) (361,307) - 289,084 30,748 46,174 14,469 (361,838) (1,254,111) () (14,946,694) (58,338,531) () 10,783,884 (13,027,685) () 245,341 (3,790,746) (14,617,668) (21,387,971) () 63,751 (46,420) () 1,069,352 (1,363,774) () () 28,317,594 (5,845,402) () (10,732,147) 9,442,949 () (43,941,881) 116,314,796 () (6,380,507) 1,874,591 658,748 1,881,475 (293,302) 577,990 148

Standard Chartered Bank () (487,895) 347,475 () (45,090,349) 33,878,839 () 1,179,467 (1,179,467) 2,431,202-189,284 26,945 (468,223,217) (181,374,089) 481,518,941 142,357,637-2,857-44,740 (302,254) (1,143,889) 253,735 547,876 (()()) 224,291 4,516,522 () 17,271,449 (36,200,868) (412,853) (733,139) 19,699,039 4,913,968 (9,826,299) - 8,497,031 6,559,244 - (33,707) 17,956,918 10,706,366 () (9,861,982) 8,384,337 15,670,941 7,286,604 $ 5,808,959 15,670,941 $ 6,027,323 10,515,035 $ 332,989 307,286 () $ (324,640) 1,241,204 $ - 2,145,349 149

Annual Report 陸 財務概況 六 銀行及其關係企業財務週轉困難對本行財務狀況之影響 : 無 150

Standard Chartered Bank www.standardchartered.com.tw 柒 財務狀況及經營結果之檢討分析與風險管理 Review and Analysis of Financial Conditions, Operating Results and Risk Management 151

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 一 財務狀況比較分析表 2009 2008 % 5,808,959 15,670,941 (9,861,982) (63) 113,755,340 98,808,646 14,946,694 15 28,514,878 39,295,509 (10,780,631) (27) 0 1,179,467 (1,179,467) (100) 27,262,328 27,530,677 (268,349) (1) 0 1,794,670 (1,794,670) (100) 313,086,588 310,526,139 2,560,449 1 108,235,427 121,529,284 (13,293,857) (11) 368,502 273,667 94,835 35 340,118 403,869 (63,751) (16) 7,589,391 7,974,132 (384,741) (5) 3,516,119 3,784,134 (268,015) (7) 7,964,904 7,714,076 250,828 3 616,442,554 636,485,211 (20,042,657) (3) 49,355,596 21,038,002 28,317,594 135 19,961,310 30,594,969 (10,633,659) (35) 0 412,853 (412,853) (100) 8,986,389 14,718,134 (5,731,745) (39) 470,195,395 514,039,270 (43,843,875) (9) 29,500,120 19,725,868 9,774,252 50 331,065 624,367 (293,302) (47) 3,103,634 3,732,748 (629,114) (17) 581,433,509 604,886,211 (23,452,702) (4) 581,433,509 604,886,211 (23,452,702) (4) 29,105,720 24,855,720 4,250,000 17 10,430,441 6,183,410 4,247,031 69 (4,644,410) 17,915 (4,662,325) (26,025) (4,644,410) 17,915 (4,662,325) (26,025) 117,294 541,955 (424,661) (78) 35,009,045 31,599,000 3,410,045 11 35,009,045 31,599,000 3,410,045 11 152

Standard Chartered Bank 二 經營結果分析 2009 2008 % 8,539,126 10,313,594 (1,774,468) (17) 8,823,569 8,096,615 726,954 9 9,902,218 7,711,246 2,190,972 28 12,335,065 11,651,107 683,958 6 (4,784,588) (952,144) (3,922,444) (412) (4,662,325) 17,915 (4,680,240) (26,125) 0 0 0 0 0 0 0 0 0 0 0 0 (4,662,325) 17,915 (4,680,240) (26,125) (1.86) 0.01 (1.87) (18,700) 三 現金流量 ( 一 ) 最近二年度流動性分析 2009 2008 () () (59.82) 51.55 (111.37) () (38.59) 699.62 (738.21) () (259.18) (93.43) (165.75) ( 二 ) 未來一年現金流動性分析 () (1) (2) (3) (1)(2)(3) 5,808,959 7,598,314 7,214,843 6,192,430 153

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 四 最近年度重大資本支出對財務業務之影響 ( 一 ) 最近年度重大資本支出 2005 2006 2007 2008 2009 2006 13,120 13,120 2006 100,000 16,000 84,000 2006 33,225 14,975 18,250 ATM 2007 9,484 9,484 2008 632,528 277,632 354,896 2009 252,864 252,864 ( 二 ) 預計可能產生之效益 : 五 二 九年度轉投資政策 其獲利或虧損之主要原因 改善計畫及未來一年投資計畫 ()() 154

Standard Chartered Bank 六 風險管理事項 ( 一 ) 各類風險之定性及定量資訊 1. (1) 信用風險管理制度 內 容 1. ( ) 策略和目標 政策與流程 2. 155

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 3. (PD) (LGD) (EAD) (RWA) 4. Delivery vs. Payment Payment vs. Payment 5. (2) 信用風險標準法之風險抵減後暴險額與應計提資本 2009 12 31 111,767,284 1,689 1,012,727 16,583 139,772,973 3,945,003 116,686,128 8,993,698 88,496,340 5,408,274 154,415,344 5,634,483 104,830 33,546 21,212,806 1,156,588 633,468,432 25,189,864 156

Standard Chartered Bank 2. (1) 資產證券化風險管理制度 內 容 1. 資產證券化之策略 ( ) (Special Purpose Entity, SPE) 1. 2. 3. 4. 5. 資產證券化之流程 2. 創始銀行部位 20051220069120132 1829 157

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 非創始銀行部位 2006-1A2 3.7A2 17.852006420112 2twBB+ 3. 創始銀行部位 非創始銀行部位 34(Available for Sale) 4. 創始銀行部位 非創始銀行部位 158

Standard Chartered Bank 5. 創始銀行部位 非創始銀行部位 (2) 從事資產證券化情形 2009 12 31 10,204,484 1,793,940 1,800,791 1,800,791 10,322,771 2,802,728 2,911,551 2,911,551 (3) 資產證券化暴險額及應計提資本 2009 12 31 370,144 111,968 4,712,342 9,424,265 357,018 370,144 111,968 4,712,342 9,424,265 357,018 159

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 (4) 投資證券化商品資訊彙總表 2009 12 31 1,800,791 (75,325) 0 1,725,466 2,911,551 (278,106) 0 2,633,445 (5) 投資證券化商品單筆原始成本達 3 億元以上者之相關資訊 : 2006-1 A2 2007.4.25 2011/02/18 2.30% twbb+ 22 371,236 (1,092) 0 370,144-1. 93-1-123 2. 93-1-143 3. Merit Holdings Limited 1.5 160

Standard Chartered Bank (6) 銀行擔任證券化創始機構, 因信用增強目的而持有之部位相關資訊 2005/12/20 2006/09/20 20277 20281 - - 14.3.24 14.3 14.3.24 14.3 14.3.24(i) 14.3.24(i) 14.3 14.3.24(ii) 14.3 14.3.24(ii) 1,800,791 2,911,551 (75,325) (278,106) 0 0 1,725,466 2,633,445 - - 2,674 2,640 3,515,460 5,589,405 (6)-1 (6)-2 161

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 (6-1) 2009.12 15,771 4 3,515,460 2,674 6.09 1.077 2.63 (ARMS) 1.32 52.77 85.17 66.00 33.30 190.63 149.00 CLTV 84.82% CLTV 0.22% CLTV 40.65% 0-2% 16 0% 43,435 1% 2,715 45 2.01%-3% 903 34% 1,263,686 36% 1,399 59 3.01%-4% 800 30% 779,843 22% 975 56 4.01%-5% 76 3% 56,280 32% 741 71 >5% 0 0% 0 0% 0 0 0-2% 857 32% 1,325,771 38% 1,547 58 2.01%-3% 19 1% 43,585 1% 2,294 58 3.01%-4% 1 0% 2,545 0% 2,545 60 4.01%-5% 0 0% 0 0% 0 0 >5% 2 0% 315 0% 158 57 2,674 100% 3,515,460 100% 1,315 58 162

Standard Chartered Bank 抵押貸款群組資料 LTV % % 0-10% 144 6.61% 48,199 1.37% 11-20% 189 8.68% 133,186 3.79% 21-30% 254 11.66% 273,987 7.79% 31-40% 302 13.87% 417,131 11.87% 41-50% 389 17.86% 649,438 18.47% 51-60% 546 25.07% 1,139,204 32.41% 61-70% 283 12.99% 672,629 19.13% 71-80% 69 3.17% 171,315 4.87% >80% 2 0.09% 10,371 0.30% 2,178 100.00% 3,515,460 100.00% % % 0.0-1.0 1,077 40.28% 590,034 16.78% 1.0-2.0 1,284 48.02% 1,899,966 54.05% 2.0-3.0 190 7.10% 448,360 12.75% 3.0-4.0 55 2.05% 186,640 5.31% 4.0-5.0 33 1.23% 146,051 4.16% 5.0-6.0 12 0.45% 67,563 1.92% 6.0-7.0 13 0.49% 83,988 2.39% 7.0-8.0 5 0.19% 37,195 1.06% 8.0-9.0 3 0.11% 26,503 0.75% 9.0-10.0 0 0.00% 0 0.00% 10.0-11.0 0 0.00% 0 0.00% 11.0-12.0 0 0.00% 0 0.00% 12.0-13.0 0 0.00% 0 0.00% 13.0-14.0 1 0.04% 13,389 0.38% 14.0-15.0 0 0.00% 0 0.00% 15.0-16.0 1 0.04% 15,771 0.45% 2,674 100.00% 3,515,460 100.00% 163

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 % % 1,062 39.71% 1,284,650 36.54% 446 16.68% 624,254 17.76% 260 9.72% 401,054 11.41% 149 5.57% 185,457 5.27% 66 2.47% 136,405 3.88% 13 0.49% 13,191 0.38% 486 18.18% 616,017 17.52% 115 4.30% 156,505 4.45% 69 2.58% 87,516 2.49% 2 0.07% 3,772 0.11% 5 0.19% 5,756 0.16% 0 0.00% 0 0.00% 1 0.04% 883 0.03% 0 0.00% 0 0.00% 2,674 100.00% 3,515,460 100.00% ( % % 1-5 250 9.35% 100,045 2.85% 6-10 275 10.28% 265,124 7.54% 11-15 1,621 60.62% 2,223,710 63.25% 16-20 528 19.75% 926,581 26.36% 21-25 0 0.00% 0 0.00% 2,674 100.00% 3,515,460 100.00% % % 2,526 94.47% 3,324,835 94.58% 1-29 58 2.17% 79,726 2.27% 30-59 14 0.52% 14,872 0.42% 60-89 10 0.37% 11,216 0.32% 90-119 1 0.04% 222 0.01% 120-149 3 0.11% 4,180 0.12% 150-179 1 0.04% 3,332 0.09% 180 61 2.28% 77,077 2.19% 0 0.00% 0 0.00% 2,674 100.00% 3,515,460 100.00% 164

Standard Chartered Bank (6-2) 一般資訊 2009.12 27,860 0 5,589,405 2,640 5.59 1.37 2.17 0.91 44.77 52.70 47.00 10.80 199.47 175.00 CLTV 89.90% CLTV 0.00% CLTV 51.46% 0-2% 94 4% 249,858 5% 2,658 45 2.01%-3% 284 11% 676,379 12% 2,382 59 3.01%-4% 332 12% 442,220 8% 1,332 56 4.01%-5% 5 0% 4,658 0% 932 71 >5% - 0% - 0% - - 0-2% 1,343 51% 3,132,386 56% 2,332 58 2.01%-3% 580 22% 1,065,753 19% 1,838 58 3.01%-4% 1 0% 22 0% 22 60 4.01%-5% - 0% - 0% - - >5% 1 0% 18,129 0% 18,129 57 2,640 100% 5,589,405 100% 2,117 57 165

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 抵押貸款群組資料 LTV % % 0-10% 74 3.13% 30,193 0.54% 11-20% 96 4.06% 90,342 1.61% 21-30% 147 6.21% 222,533 3.98% 31-40% 334 14.11% 840,125 15.03% 41-50% 174 7.35% 344,344 6.16% 51-60% 246 10.39% 498,415 8.92% 61-70% 528 22.31% 1,161,977 20.79% 71-80% 646 27.29% 1,851,162 33.12% >80% 122 5.15% 550,314 9.85% 2,367 100.00% 5,589,405 100.00% % % 0.0-1.0 600 22.73% 353,489 6.32% 1.0-2.0 1,076 40.75% 1,659,186 29.69% 2.0-3.0 475 17.99% 1,165,080 20.85% 3.0-4.0 229 8.67% 790,590 14.15% 4.0-5.0 108 4.09% 481,119 8.61% 5.0-6.0 66 2.50% 360,555 6.45% 6.0-7.0 33 1.25% 212,979 3.81% 7.0-8.0 15 0.57% 112,563 2.01% 8.0-9.0 10 0.38% 85,773 1.53% 9.0-10.0 4 0.15% 37,465 0.67% 10.0-11.0 6 0.23% 62,532 1.12% 11.0-12.0 3 0.11% 34,774 0.62% 12.0-13.0 5 0.19% 62,837 1.12% 13.0-14.0 4 0.15% 54,397 0.97% 14.0-15.0 1 0.04% 14,375 0.26% 15.0-16.0 0 0.00% 0 0.00% 16.0-17.0 0 0.00% 0 0.00% 17.0-18.0 1 0.04% 17,043 0.30% 18.0-19.0 2 0.08% 36,896 0.66% 19.0-20.0 1 0.04% 19,892 0.36% 20.0-21.0 0 0.00% 0 0.00% 21.0-22.0 0 0.00% 0 0.00% 22.0-23.0 0 0.00% 0 0.00% 23.0-24.0 0 0.00% 0 0.00% 24.0-25.0 0 0.00% 0 0.00% 25.0-26.0 0 0.00% 0 0.00% 26.0-27.0 0 0.00% 0 0.00% 27.0-28.0 1 0.04% 27,860 0.50% 2,640 100.00% 5,589,405 100.00% 166

Standard Chartered Bank % % 989 37.46% 1,779,996 31.85% 317 12.01% 751,293 13.44% 224 8.49% 533,571 9.55% 360 13.64% 877,248 15.69% 161 6.10% 565,406 10.12% 31 1.17% 39,584 0.71% 314 11.89% 598,235 10.70% 92 3.49% 216,222 3.87% 65 2.46% 101,587 1.82% 59 2.23% 88,602 1.58% 6 0.23% 10,965 0.20% 3 0.11% 4,502 0.08% 3 0.11% 2,627 0.05% 1 0.04% 1,361 0.02% 12 0.46% 12,305 0.22% 3 0.11% 5,901 0.10% 2,640 100.00% 5,589,405 100.00% ( % % 1-5 112 4.24% 64,318 1.15% 6-10 156 5.91% 154,568 2.77% 11-15 230 8.71% 393,097 7.03% 16-20 2,142 81.14% 4,977,422 89.05% 21-25 0 0.00% 0 0.00% 2,640 100.00% 5,589,405 100.00% % % 2,365 89.58% 4,907,740 87.80% 1-29 82 3.11% 167,586 3.00% 30-59 28 1.06% 47,255 0.85% 60-89 20 0.76% 38,234 0.68% 90-119 11 0.42% 13,846 0.25% 120-149 4 0.15% 14,707 0.26% 150-179 3 0.11% 5,881 0.11% 180 127 4.81% 394,156 7.05% 0 0.00% 0 0.00% 2,640 100.00% 5,589,405 100.00% (7) 銀行擔任證券化商品保證機構或提供流動性融資額度之相關資訊 : 無 167

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 3. (1) 作業風險管理制度 內 容 1. 2. 2009 3. 4. 5. 168

Standard Chartered Bank (2) 作業風險應計提資本 2009 12 31 2006 19,515,887 2007 17,709,608 2008 18,561,694 55,787,189 2,789,359 169

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 4. (1) 市場風險管理制度 內 容 1. 2. 2009 3. (VaR) 4. 5. 170

Standard Chartered Bank (2) 市場風險應計提資本 2009 12 31 2,477,423 57,696 0 0 2,535,119 5. 115 ( 二 ) 國內外重要政策及法律變動對銀行財務業務之影響及因應措施 : 無 ( 三 ) 科技改變及產業改變對銀行財務業務之影響及因應措施 1. 科技改變及產業改變對銀行財務業務之影響 2. 因應措施 (1) (2) ( 四 ) 銀行形象改變對銀行之影響及因應措施 ( 五 ) 進行併購之預期效益 可能風險及因應措施 : 無 171

Annual Report 柒 財務狀況及經營結果之檢討分析與風險管理 ( 六 ) 擴充營業據點之預期效益 可能風險及因應措施 : ( 七 ) 業務集中所面臨之風險及因應措施 : / ( 八 ) 經營權之改變對銀行之影響 風險及因應措施 : 無 ( 九 ) 訴訟或非訟事件 : 無 ( 十 ) 其他重要風險及因應措施 : 無 七 危機處理應變機制 八 其他重要事項 : 無 172

Standard Chartered Bank www.standardchartered.com.tw 特別記載事項 Special Notes 173

Annual Report 一 關係企業相關資料 ( 一 ) 關係企業組織圖 100% 100% 174

Standard Chartered Bank ( 二 ) 各關係企業基本資料 1999.09.07 3,000 1999.09.30 3,000 ( 三 ) 整體關係企業經營業務所涵蓋行業 : 1. 2. ( 四 ) 關係企業董事及監察人資料 300,000 100.00% 300,000 100.00% 300,000 100.00% 300,000 100.00% 300,000 100.00% 300,000 100.00% 300,000 100.00% 300,000 100.00% ( 五 ) 關係企業營運概況 : 3,000 414,683 70,945 343,738 383,636 372,612 281,177 937.26 3,000 28,017 3,253 24,764 25,202 22,670 17,033 56.78 ( 六 ) 關係企業合併財務報表 : 請參閱財務概況, 第 142 頁至第 149 頁 175

Annual Report ( 七 ) 關係報告書聲明書 () 關係報告書會計師複核意見 ( )() 0980002150 (88)()18311 176

Standard Chartered Bank 1. % 100 2,910,572 100 Katherine King-Suen Tsang Sunil Kaushal Jaspal Singh Bindra Olga Louise Zoutendijk Michael Thomas Pratt Kuei-Ling Hu Fou Tsong Ling Norman Lyle Edward Martin Williams 2. (1) (2) (3) (4) (5) (5)-1 425,00020 (5)-2 3,618,555 1,273,114 4,798,7042,515,939 147,512 3. 4. 177

Annual Report 二 私募有價證券辦理情形 : 981 981211 982 981211 982 981211 98630 98325 98325 425,000,00020 150,000,000 150,000,000 Standard Chartered Bank 20 9668 6 6 2 2 09800417430 09800417430 43 691613(91) ()0910003455 981211 981211 981211 436 425,000,000 150,000 150,000 8,500,000 150,000 150,000 981211 981211 981211 9.11%12.45% 12.45%13.78% 12.45%13.78% 三 子公司持有或處分本行股票情形 : 無 四 其他必要補充說明事項 : 無 178

Standard Chartered Bank www.standardchartered.com.tw 行及國內分支機構一覽表 Directory of Branches & Offices 179 179

Annual Report 總行及國內分支機構一覽表 20091231 106 03-5243151 03-5230963 35 03-5266171 03-5236079 270 03-5775663 03-5781742 326 03-5348939 03-5349865 21450 03-5219216 03-5219215 300 03-5965711 03-5954025 386 03-5883611 03-5883344 82 03-5992614 03-5901627 59 03-5513115 03-5512190 21 03-5875151 03-5877927 155-7 03-5591113 03-5594636 130 03-5233171 03-5233177 141 03-5519456 03-5551783 11 03-5785355 03-5787055 6 03-5348155 03-5421589 66 03-3340176 03-3371647 253 03-3873915 03-3889901 44 03-3861130 03-3861924 194 03-4252186 03-4256977 105 03-4783491 03-4752718 251 03-4773226 03-4772052 202 03-4793185 03-4708175 301 03-3351593 03-3328102 83 03-4553122 03-4524244 43 03-3634341 03-3660967 465 03-3324002 03-3361491 56 03-4918701 03-4918710 1077 03-3290728 03-3290273 90 03-3524148 03-3226443 180

Standard Chartered Bank 233 03-3664291 03-3664296 302 03-4657779 03-4567704 150 03-4696257 03-4692907 351 03-4824984 03-4826073 87917 02-29082996 02-29082952 862 03-3553278 03-3553723 405 03-4511333 03-4513135 833 03-4986401 03-4986404 225 03-4910311 03-4910319 506-23 03-3137633 03-3137626 562 037-324671 037-358940 217 037-476161 037-474882 106 037-668281 037-676791 19 037-862851 037-852609 211 037-228525 037-221245 16 037-757511 037-757514 20 037-724591 037-724980 83 037-875281 037-875242 79 037-995561 037-995564 201 037-985211 037-985214 47 03-4351988 03-4351093 237 03-3972288 03-3972266 35 03-3026699 03-3028833 87 03-4579155 03-4579920 38 02-87723232 02-87723838 192 02-29528799 02-29528797 308 02-82828266 02-82815941 69 02-26318888 02-26326910 380 04-23192480 04-23192473 181

Annual Report 797 04-25234116 04-25240078 345 05-2288855 05-2240800 429 06-2648101 06-2648140 383 07-3872296 07-3860532 88 06-2761561 06-2761565 306 04-24653500 04-24653501 788 04-25622731 04-25622801 302 04-22536208 04-22536205 182 02-82271656 02-82271659 177 02-28386096 02-28386160 302 02-29452510 02-29451275 236 04-22990755 04-22990803 327 04-27081040 04-27081118 53 04-7282999 04-7229958 189 07-5501705 07-5502010 36310 02-66027676 02-66027670 26212602 07-9660766 07-5365387 268B12701B1 02-27719141 02-27755372 57 04-22024076 04-22024093 2107 06-2289777 06-2283722 301 07-2387791 07-2369832 6612701 02-66023000 02-66023099 931952 02-66396000 02-66396099 9723 02-66397018 02-66397033 1 02-66363700 02-66363799 1681 02-27166261 02-25147460 17522 07-2285500 07-2221205 261 04-23246800 04-23101118 182

Standard Chartered Bank 183