Balance Sheet as of 31 Dec 2016 and 31 Dec Liabilities & Shareholder s Equity

Transcription

1 Assets Balance Sheet as of 31 Dec 2016 and 31 Dec Dec Dec 2015 Liabilities & Shareholder s Equity UNIT : TWD ' Dec Dec 2015 SN Accounting Item Amount % Amount % SN Accounting Item Amount % Amount % Cash and Cash Equivalents 634, ,658 0 Loan from Central Bank and Inter-banks 7,737, ,035,000 3 Placement and Balances with banks 25,463, ,486 1 Financial Liabilities at Fair-value through Financial Assets at Fair-value through Profit or loss 63,887, ,765, Profit or loss 2,764, ,561 0 Available-for-Sale Financial Assets-Net 0 0 5,500,000 4 Bills and bonds under repurchase or resale agreements 30,703, Accounts Payable 19,974, ,484, Accounts Receivable-net 19,993, ,458,257 4 Tax payable 26, Current Tax Assets 46, ,454 0 Deposits and Remittance Payable 7,167, ,695,198 2 Bills and Loans-Net 43,882, ,875, Accrued Pension Liabilities 8, Guarantee Reserve 55, , Deferred Income Tax Liabilities 198, ,663 1 Property and equipment-net 29, ,869 0 Other Liabilities 144,864, ,764, Intangible Assets-Net ,086 0 Liabilities 182,797, ,906, Deferred Tax Assets 143, ,745 0 Other Assets-Net 1,133, ,275 0 Working Capital 200, ,000 0 Retained Earnings 2,926, ,559,757 2 Other Reserves (4,569) 0 1,615 0 Shareholder s Equity 3,122, ,761,372 2 Assets 185,919, ,667, Liabilities And Shareholder s Equity 185,919, ,667, Accounting Item 31 Dec Dec 2015 Allowance for doubtful account-ar factoring without recourse 21,277 10,398 Allowance for doubtful account-loan 443, ,467 Allowance for doubtful account-acceptances Receivable 0 108

2 Statements of Comprehensive Income For the period from 1 Jan. to 31 Dec and 2015 and 4rd Quarter UNIT : TWD '000 Current Year Previous Year Current Year Previous Year 4Q Q 2015 YTD as at 31 Dec 2016 YTD as at 31 Dec 2015 Amount % Amount % Amount % Amount % Interest Income 393, , ,292, , Less:Interest Expenses 342, , ,015, , Net Interest Income 51, , , , Net Non-Interest Income 172, , , , Net Fee and Commission Income 40, , , ,237 7 Gain on financial assets and liabilities at fair value through profit or 28, , , , loss P/L on Foreign currency Exchanges 63, (4,341) (2) 145, ,799 2 Net Other Non-Interest Income 40, , , , Net Income before operating Exp.& Prov. 224, , ,039, ,034, Loans Provisions and reserve for guarantee liabilities (11,764) (3) 11, , (7,811) (1) Operating Expenses 111, , , , Employee benefits 30, , , , Depreciation and Amortization Expenses 1, , Other Operating and Management Expenses 79, , , , Income from continuing operations before income 124, , , , taxes Income Taxes Expenses (16,284) (4) (22,718) (11) (95,636) (7) (77,640) (9) Income from continuing operations after income 108, , , , taxes Net Income (Loss) 108, , , , Other comprehensive income Exchange differences resulting from translating the financial statement of a 8,711 2 (18) (0) (6,185) (0) 1,249 0 foreign operation Unrealized gain or loss on available-for sale 0 0 (2,592) (1) ,805 5 financial assets other comprehensive income 8,711 2 (2,610) (1) (6,185) (0) 43, comprehensive income 117, , , ,

3 Information of financial instrument transaction Financial instruments 31-Dec Dec-2015 UNIT : TWD '000 measured at fair value item 1 st Leve1 2 nd Leve1 3 rd Leve1 1 st Leve1 2 nd Leve1 3 rd Leve1 Non-derivative financial instruments Assets Financial assets at fair value through profit or loss 60,098,997 60,098,997 82,507,365 82,507,365 Investment in bonds Others Available -for -sale financial assets 0 0 5,500,000 5,500,000 Investment in bonds Others 0 0 5,500,000 5,500,000 Liabilities Financial liabilities at fair value through profit or loss Derivative financial instruments Assets Financial assets at fair value through profit or loss 3,788,972 3,788,972 2,257,963 2,257,963 Liabilities Financial liabilities at fair value through profit or loss 2,764,573 2,764, , ,561 61,123, ,123, ,011, ,011,

4 Movements of financial assets classified into Level 3 of fair value are as follows: UNIT : TWD '000 1 Jan Valuation gain(loss) Addition Reduction 31 Dec Items 2016 through profits or loss through shareholders' equity Purchased Transferred Sold,disposed Transferred 2016 or issued to Level 3 or settled from Level 3 1.Financial assets at fair value through profit or loss: Nil Assets designated to be measured at fair value at initial recognition 2. Available -for -sale financial assets 3. Derivative financial instruments total Movements of financial liabilities classified into Level 3 of fair value are as follows: UNIT : TWD '000 1 Jan Valuation gain(loss) Addition Reduction 31 Dec Items 1. Financial liabilities at fair value through profit or loss: 2016 through Current Year profit Nil or loss Purchased Transferred Sold,disposed Transferred 2016 or issued to Level 3 or settled from Level 3 Liabilities designated to be measured at fair value at initial recognition 2.Derivative financial instruments total

5 Asset Quality UNIT: TWD '000,% Business items Corporate Finance Consumer Finance Non-Perfor ming Loans Loans Overdue Ratio 31 Dec Dec 15 Provision for Bad Debt Cover ratio of Provisions for Bad Debt Overd Non-Perfor ming Loans Loans ue Ratio Provision for Bad Debt Cover ratio of Provisions for Bad Debt Pledged 0 3,563, , ,158, ,588 0 Non-Pledged 0 40,762, , ,987, ,879 0 Housing Mortgage Loans Cash Card Small Credit Loans Others Pledged Non-Pledged Non-Bank Loans 0 44,325, , ,146, ,467 0 Non-Perfor ming Loans Account Receivable Overdue Ratio Provision for Bad Debt Cover ratio of Provisions for Bad Debt Non-Perfor ming Loans Account Receivable Overd ue Ratio Provision for Bad Debt Cover ratio of Provisions for Bad Debt Credit Card Business Factoring-without recourse 0 2,127, , ,039, ,

6 Non-performing loans and overdue receivables exempted from reporting to the competent authority 31-Dec-2016 amount of non-performing loans exempted from reporting to the competent authority amount of overdue receivables exempted from reporting to the competent authority 31-Dec-2015 amount of non-performing loans exempted from reporting to the competent authority UNIT: TWD '000 amount of overdue receivables exempted from reporting to the competent authority Performing amounts exempted from reporting to the competent authority as debt negotiation(note 1) Performing amounts in accordance with debt liquidation program and restructuring program(note 2) Note 1: The Bank disclosed the total amount of non-performing loans and overdue receivables exempted from reporting to the competent authority as debt negotiation in accordance with the Explanatory Letter Jin-Guan-Yin (1) No of the FSC dated April 25, Note 2: The Bank disclosed the total amount of non-performing loans and overdue receivables exempted from reporting to the competent authority as debt liquidation program and restructuring program in accordance with the Explanatory Letter Jin-Guan-Yin (1) No of the FSC dated September 15,

7 ranking Group Co /Industry Category A Group / Other Basic Metal Manufacturing Not Elsewhere Classified B Group / Other Food Manufacturing Not Classified C Co/ Telecommunications Concentration of Credit Risk 31 Dec Dec 2015 Loans Loans/ Net Worth (%) 5,386, ,219, D Co /Banks 3,223, E Co /Banks 3,223, F Co / Real Estate G Co /Manufacture of Petroleum and Coal Products Group Co /Industry Category A Group / Other Basic Metal Manufacturing Not Elsewhere Classified B Co / Telecommunications UNIT: TWD '000,% Loans Loans/ Net Worth (%) 6,465, ,362, ,365, C Co / Real Estate 3,181, ,117, ,928, H Co /Banks 2,302, I Group / Computer Manufacturing J Co / Computer Manufacturing 2,261, ,127, D Group / Other Food Manufacturing Not Classified E Group / Cement Manufacturing F Co / Buildings Construction G Co / Computers, Electronic and Optical Products Manufacturing H Group/ Tires Manufacturing I Co / Extraction of Crude Petroleum and Natural Gas Classified J Group / Other Food Manufacturing Not Classified 2,352, ,307, ,300, ,039, , , ,

8 Sensitivity of Market Risk (TWD Exposure Only) 31 Dec 2016 UNIT: TWD '000, % 1 to 90 days 91 to 180 days 181 to 1 year Above 1 year Interest-Bearing Assets 83,420,016 11, , ,000 84,625,046 Interest-Bearing Liabilities 233, , , ,383 Gapping 83,186, , , ,365 84,213,663 Net Worth 2,518,182 Ratio of Interest-Bearing Assets / Interest-Bearing Liabilities 20,571 Ratio of gapping / Net Worth 3,344 Sensitivity of Market Risk (USD Exposure Only) 31 Dec to 90 days 91 to 180 days 181 to 1 year Above 1 year UNIT: USD '000, % Interest-Bearing Assets 1,381,116 73, , ,357 2,076,306 Interest-Bearing Liabilities 3,026, ,000 1,020, ,607,447 Gapping -1,645, , , ,357-2,531,141 Net Worth 18,731 Ratio of Interest-Bearing Assets / Interest-Bearing Liabilities 45 Ratio of gapping / Net Worth -13,513 Profitability Return on Assets Return on Net Worth Profit After Tax / Operating Income Before Tax After Tax Before Tax After Tax UNIT: %

9 Liquidity Maturity Analysis of Assets & Liabilities (TWD Exposure Only) 31 Dec 2016 UNIT: TWD '000 Remaining Period to Maturity (TWD Exposure only) 0 to 30 days 31 to 90 days 91 to 180 days 181 to 1 year Above 1 year Assets Liabilities Gapping 250,412, ,170,406 73,758,281 41,160,314 9,985, , ,521,173 72,476,672 88,027,750 64,079,957 22,747,721 3,189, ,603 52,693,734-14,269,469-22,919,643-12,762,240-2,850,985 Liquidity Maturity Analysis of Assets & Liabilities (USD Exposure Only) 31 Dec 2016 UNIT: USD '000 Remaining Period to Maturity (USD Exposure only) 0 to 30 days 31 to 90 days 91 to 180 days 181 to 1 year Above 1 year Assets Liabilities Gapping 9,965,503 3,427,244 3,071,173 2,079,002 1,085, ,919 38,959,924 4,831,747 5,639,864 9,369,410 12,300,869 6,818,034-28,994,421-1,404,503-2,568,691-7,290,408-11,215,704-6,515,115 9

10 Information regarding selling non-performing loans: A. Summary of selling non-performing loans: UNIT: TWD '000 Contents of Transaction Counterparty right of claim date Nil Carrying value Sale price Gain or loss from disposal Attached Relation with conditions the Company B. Single-run of sales non-performing loans with an amount exceeding NT$ 1 billion excluding sales of non-performing loans to related parties: UNIT: TWD '000 Loan Components Amount Carrying Value Price Amortization Corporate Secured Unsecured Mortgage Loan Individual Secured Unsecured Car Loan Others Credit Card Cash Card Micro Credit Loan Others

11 Savings Account, Fixed Deposits and Foreign Exchange Deposits Balance UNIT: TWD '000,% 31 Dec Dec 2015 Savings Deposit 1,543,622 1,120,636 Savings Deposit / Non-Bank Deposit Ratio Fixed Deposits 5,605, ,262 Fixed Deposits / Non-Bank Deposit Ratio Foreign Currency Deposits 6,738,105 1,230,922 Foreign Currency Deposits / Non-Bank Deposit Ratio Small-Medium Enterprise Loans and Consumer Loans Balance Small-Medium Enterprise Loans Small-Medium Enterprise Loans / Non-Bank Loans Ratio UNIT: TWD '000,% 31 Dec Dec Consumer Loans 0 0 Consumer Loans / Non-Bank Loans Ratio

12 Interest-Bearing Assets and Liabilities Quarterly Information UNIT: TWD '000,% 2016(4Q) 2015(4Q) Average Amount Average Rate Average Amount Average Rate Interest-Bearing Assets 156,749, ,592, Interest-Bearing Liabilities 153,231, ,110, Net Open Positions for Major Foreign Currencies UNIT: TWD ' Dec Dec 2015 Net Open Positions for Major Foreign Currencies Original TWD Equivalent Original TWD Equivalent 1 USD 2 SGD 3 HKD 4 JPY 5 AUD 329,648 26,251 25,166 7,449 6,216 1 USD 2 HKD 3 SGD 4 CNH 5 GBP 37,730 12,484 9,260 4,735 1,505 12