Balance Sheet As of 31 Mar 2005 and 31 Mar 2004

Transcription

1 Balance Sheet As of Mar 25 and Mar 2 UNIT: TWD ' Assets Mar 25 Mar 2 Liabilities & Shareholder s Equity Mar 25 Mar 2 Accounting Item Amount % Amount % Accounting Item Amount % Amount % Cash and Cash Equivalents,2 Loans from Central bank and interbanks 22,,7 2 7,979,5 7 Placement and Balances with banks Government treasury bills and securities Loans-Net Fixed Assets-Net 5,8,,57,2,2,97 9, ,7,25 5,22,5 2,9 8 Accounts Payable Deposits and Remittance Payable Other Liabilities Total Liabilities 2,287,9, ,597, ,8,885,22,97,9 8,,28 7,7, Other Assets 2,2 8,8 Working Capital 52,5 52,5 Retained Earnings 2,59,9 Total Shareholder s Equity 5, , Total Assets 5,899,8 7,99,5 Total Liabilities and Shareholder s Equity 5,899,8 7,99,5

2 Savings Account, Fixed Deposits and Foreign Exchange Deposits Balance Mar 25 Mar 2 Savings Deposit 9,9 22,59 Savings Deposit / Total Non-Bank Deposit Ratio 2 2 Fixed Deposits,2,52,75,7 Fixed Deposits / Total Non-Bank Deposit Ratio Foreign Currency Deposits 2,8 2,9 Foreign Currency Deposits / Total Non-Bank Deposit Ratio 2 UNIT: TWD ',% Small-Medium Enterprise Loans and Consumer Loans Balance Small-Medium Enterprise Loans Small-Medium Enterprise Loans / Total Non-Bank Loans Ratio UNIT: TWD ',% Mar 25 Mar 2,2,97 5,9, Consumer Loans 72,8 29,75 Consumer Loans / Total Non-Bank Loans Ratio 2 2 2

3 Income Statement For the period from Jan to Mar 25 and 2 UNIT: TWD ' No Items Current Previous Subtotal Total % Subtotal Total % Operating Income 87, 2,9 Interest Income Commission Income Profit on Short-term Investments Profit on Foreign Exchange Other Operating Income 277,25,592, 2, ,,79 9, 2,7 92 Operating Expenses, 9 78,99 77 Interest Expenses Commission Expenses Loss on Short-term Investments Loss on Foreign Exchange Provisions Management Expenses Other Operating Expenses,9,7,92 8,5 9, ,,98 2,8 8,2 8,8 5 Net Operating Income (Loss) 2,87 52,22 2 Non-Operating Income 79 Non-Operating Expenses Net Non-Operating Income (Loss) Before-tax Income (Loss) from Continuing Operations Income Tax Provisions After-tax Income (Loss) from Continuing Operations Discontinued Operations:Operating Income (Loss) Net Income (Loss) before Discontinued Disposal Gain & Loss Net Income before Extraordinary Gain & Loss and Cumulative Effect of Changes in Accounting Principles Extraordinary Gain & Loss Cumulative Effect of Changes in Accounting Principles Net Income (Loss) 2,87 2,87 2, ,7 5,7 5,

4 Assets Quality UNIT: TWD ',% Mar 25 Mar 2 Overdue Loans 27,29 89,28 Non-Performing Loans 27,29 89,28 Overdue Ratio.8.7 Provisions for Bad Debt 58,2 99,2 Bad Debt Written-Off,2. Concentration of Credit Risk Management Information UNIT: TWD ',% Mar 25 Mar 2 Loans to Related Parties, Loans to Related Parties / Total Loans Loans Secured by Stock and Shares / Total Loans Industry Concentration Analysis. 2 Industry Ratio Industry Ratio. Manufacturing. Manufacturing 2 2. Building & Construction 2 2. Financial Institution.Financial Institution. Transport & Storage 8

5 2. Loans and Investments Provisioning Policies Provisions would be made on loans, bills rediscounting, foreign exchange contracts, account receivable, interest receivables, and other receivables after appropriate risk assessment.. Special items Causes and Amounts UNIT: TWD ' Violation of laws on business dealings by the General Manager or staff and have been prosecuted within the last one year. Payment of fine for violation of Banking Act within the last one year. Significant weaknesses that have been rectified by the Ministry of Finance within the last one year. Severe staff fraudulence or non-recurring events arise from non-compliant of regulations for financial institutions that resulted losses in excess of NT$5 million within the last one year. Others Profitability UNIT: % 25 2 Return on Assets Return on Net Worth Profit Before Tax / Operating Income

6 Interest-Bearing Assets and Liabilities Information 25 2 UNIT: TWD ',% Average Amount Average Rate Average Amount Average Rate Interest-Bearing Assets,227,2.,858,2.9 Interest-Bearing Liabilities 5,78,7 2.5,572,8.27 Liquidity Maturity Analysis of Assets & Liabilities UNIT: TWD ' Total Remaining Period to Maturity (TWD only) to days to 9 days 9 to 8 days 8 to year Above year Assets Liabilities 2,77,27 22,825,25 2,5, 2,,29 2,5,9 55, 98,99, 5,879,87 25,5,59,92,,2,5 9,7 Gapping -,22,5-2,5,2-8,58-2,5,8-897,87 -,8 Accumulated Gapping -2,5,2-2,858,2-5,9,8 -,27,72 -,22,5 Sensitivity of Market Risk (TWD Only Within One Year Maturity) UNIT: % Mar 25 Mar 2 Ratio of Interest-Bearing Assets / Interest-Bearing Liabilities (Interest-Bearing Assets Interest Bearing Liabilities) / Net Worth 2,777,5,252 7,

7 Net Open Positions for Major Foreign Currencies UNIT: TWD ' Mar 25 Mar 2 Net Open Positions for Major Foreign Currencies Original TWD Equivalent Original TWD Equivalent USD 2,97 USD 29,89 2 JPY,8 2 THB 7,8 SGD 9,88 SGD 7,9 EUR 5, EUR,5 5 HKD,5 5 CHF,882 7