兆豐國際商業銀行107年 年報

Annual Report 2018 124 財 務 概 況 124 ො 2 ĈώҖăЏᖳ৸ ࡗ ̶ҖăЏᖳ ۿ ΐ̶࣯Җ̈́Џᖳۣ֐̶Җᄃ઼࡚ᓑ֣໤౯நְົ (FED) ̈́ϿӀᏚэ ܛ Ꮙះ ٺ 2018 ѐ 1 ͡ 17 ͟ВТᘪཌ෗ჳ΄ (Order to Cease and Desist and Order of Assessment of Civil Money Penalty) ĂಶЏᖳ৸ ࡗ ̶ҖăЏᖳ ۿ ΐ̶࣯Җ̈́Џᖳۣ֐̶Җ౵ ܕ ഇᑭ ߤ ૄ໤͟Ă̶Ҿ ࠎ 2016 ѐ 6 ͡ 30 ͟ă 2016 ѐ 12 ͡ 31 ̈́͟ 2016 ѐ 9 ͡ 30 ͟Ăٙ൴னᄃࢲᐍგந̈́Ᏺೈ BSA/AML ࢋՐၱ ڱ ΄ఢቑ࠹ᙯ̝৿εĂੵዎኝჳഠ࡚ ܛ 2 Ζ 9 ֿ༱ ̮γĂ֭ᑕ೩΍Чี३ࢬԼචࢍ൪ĂΒ ߁ ώҖ཭ְົᄃ઼࡚гડ੼ลგநลᆸĂᑕૻ̼̳Φ ڼ நᄃგநลᆸ̝Ⴞ༛ გந፟ ט Ă཭ְົᑕ೩΍ ޙ ϲ઼࡚гડ 4 छ̶ҖЪ׀ ڼ ந ߛ ၹ̈́ૻ̼Ⴞ༛გந፟ ט ̝३ࢬԼචࢍ൪Ă཭ְົᄃ˯ࢗ ˬछ̶ҖᑕᓑЩ೩΍̶ҖҾ̝ૻ̼Ᏺೈ BSA/AML ̈́ OFAC ڱ ఢఢቑࢋՐ̝Ⴞ༛გந፟ ט ̝३ࢬࢍ൪ĂώҖᄃЏᖳ ৸ ࡗ ̶ҖăЏᖳ ۿ ΐ̶࣯Җ̈́Џᖳۣ֐̶ҖᑕГಶૻ̼ BSA/AML Ᏺೈࢍ൪ă މ ͗Ⴝᖚአ ߤ ăΞႷϹ ٽ ߿જ̝Ⴞଠᄃ Ϧಡ̈́ OFAC ̝ᏲೈඈᛉᗟĂ೩΍३ࢬԼචࢍ൪ĄѩγĂώҖ̈́Џᖳ৸ ࡗ ̶ҖᑕГདЇ৸ ࡗ ᓑ֣໤౯ᅙҖᄮΞ̝፾ ϲௐˬ͞Ăಶ 2015 ѐ 1 ͡ 1 ͟ ז 6 ͡ 30 ̝࡚̮͟୻ზϹ ٽ ĂซҖа໖አ ߤ ĂͽቁᄮགྷϤЏᖳ৸ ࡗ ̶Җ̝ΞႷϹ ٽ ߿જĂ ߏ ӎΞజዋ༊Ᏸᄮֶ̈́ፂ࠹ᙯΞႷϹ ٽ ߿જϦಡఢቑซҖϦಡĄଘѩѨ FED ෗ჳ΄̚Ϻ ؠۺ ώҖ၆̳Φ ڼ ந ̏ଳ פ ૻ̼ନ ߉ Ă̈́ώҖٚᏚ၆઼࡚˯ࢗˬछ̶Җ̝Ⴞ༛ᄃ ڱ Ᏺࢍ൪޺ᜈԼච۞ՙ͕Ą ၟҌ ߤ ८ಡӘͤ͟Ă˯ࢗഇมЏᖳ৸ ࡗ ̶Җ࡚̮୻ზϹ ٽ ̝а໖አ ߤ Ă̏དЇ፾ϲௐˬ͞ซҖ̚ĄΩ FED ᄃ NYDFS Տѐ˵ົಶ৸ ࡗ ̶Җፋវ̝ࢲᐍგநăүຽଠგă ڱ ΄Ᏺೈ̈́ྤய ݡ ኳ (ROCA) ซҖᓑЪᑭ ߤ ĂώҖ̈́Џᖳ৸ ࡗ ̶Җ ٺ 2018 ѐ 3 ̈́͡ 2019 ѐ 3 ͡ಶ˯ְࢗІᅍϹ३ࢬԼචࢍ൪Ă ޢ ᜈϒಶٙᅍϹ̝३ࢬԼචࢍ൪ٙ̚ЕЧีࢲᐍგந ̈́ ڱ ΄Ᏺೈᛉᗟ޺ᜈԼච̚Ą ( ˬȈ˟ ) ࣶ̍჊Ӏ෱ϡ! 107 ѐ ޘ 106 ѐ ޘ ᓟྤ෱ϡ $ 11,000,945 $ 10,081,195 ̏ੜЃࣶ̍ᐹх෹ᗝӀि 1,326,021 1,376,912 ੜЃ ܛ ෱ϡ 717,329 623,650 ౻ઉܲ෱ϡ 690,784 645,025 ׎΁ϡˠ෱ϡ 1,028,258 922,253 Ъ ࢍ $ 14,763,337 $ 13,649,035 1. ࣶ̍ˠᇴྤੈኛྎ ܢ ො˘ ( ̣ ) Ă׎ࢍზૄᖂᄃଵੵ̏ੜЃࣶ̍ᐹ೎хഠ෹ᗝӀि̝ࣶ̍჊Ӏ෱ϡ˘࡭Ą 2. ώҖ ٺ ϔ઼ 106 ѐ 10 ͡ 20 ͟གྷ཭ְົ΃Җ۵ ڌ ົᖚᝋՙᛉ఼࿅ౢ඀࣒ϒᛉ९Ăֶ࣒ϒ ޢ ౢ඀ఢ ؠ ĂώҖֶ༊ѐ ޘ ᒔ Ӏ ڶې љੵ௢᎕ᓪຫ ޢ Ăт إ ѣዶᗝĂᑕͽඁ݈Ӏৈљੵ̶ ࠁ ࣶ̍࿌౻݈̝Ӏৈ೩ᇥ 2~6% ࠎ ࣶ̍࿌౻ĂϤ཭ְົᏊ੩ ώҖЧีᒻड़޽ᇾٕТຽ൴ ڶېٸ ඈЯ৵ ޢ Ă८ ؠ ೩ᇥͧதĄ 3. ώҖϔ઼ 107 ѐ̈́ 106 ѐ ޘ ࣶ̍࿌౻ҤЕ ܛ ᗝ̶Ҿ ࠎ $1,401,947 Ζ̮̈́ $1,275,582 Ζ̮Ă݈ࢗ ܛ ᗝ૳Еᓟྤ෱ϡ ࡊ ϫĄ 4. གྷ཭ְົՙᛉ̝ϔ઼ 106 ѐ ޘ ࣶ̍࿌౻ ܛ ᗝ ࠎ $1,275,582 Ζ̮ᄃϔ઼ 106 ѐ ޘ ੑચಡӘҤЕ̝ ܛ ᗝ˘࡭Ą 5. ώҖ཭ְົ఼࿅̝ࣶ̍࿌౻࠹ᙯྤੈΞҌ̳ฟྤੈ៍ീ৭ ߤ ྙĄ ( ˬȈˬ ) Զᖞ̈́ᝊዚ෱ϡ! 107 ѐ ޘ 106 ѐ ޘ Զᖞ෱ϡ $ 621,657 $ 535,681 ᝊዚ෱ϡ 5,597 6,039 Ъ ࢍ $ 627,254 $ 541,720 ( ˬȈα ) ׎΁ຽચ̈́გந෱ϡ! 107 ѐ ޘ 106 ѐ ޘ ඁॕ $ 2,035,974 $ 2,005,752 ౻ચ෱ 1,973,838 1,116,397 ১ ܛ 851,968 771,136 ࿪ཝహវჯ᜕෱ 558,054 496,004 ܲᐍ෱ 446,996 408,047 ຽચଯᇃ෱ 291,929 268,922 ฎ࿪෱ 249,523 212,256 ྻ෱ 227,763 196,279 ᇃӘО ה ෱! 208,757 210,145 ॕᙑ෱ 162,760 220,070 ࣶ̍੊ቚ෱ 141,877 132,222 ͪ࿪෱ 132,456 127,601 ॠ෱ 118,968 113,369 ׎΁ 857,823 859,797 Ъ ࢍ $ 8,258,686 $ 7,137,997 ! !