兆豐國際商業銀行107年 年報

Annual Report 2018 130 財 務 概 況 130 ( ˬ ) ܫ ϡࢲᐍ 1. ܫ ϡࢲᐍֽ̝໚̈́ ؠ ཌྷ ܫ ϡࢲᐍܼ޽ࣄഠˠă൴ҖˠٕϹ ٽ ၆͘Яੑચ ڶې ೋ̼ٕ׎΁Я৵Ăጱ࡭̙ᆹҖ׎ ࡗݵ ཌྷચ҃யϠຫε̝ࢲᐍĄ ώҖ̈́̄Җ ܫ ϡᇷᐍ͹ࢋ໚ҋ ٺ ၆Ћຽ̈́࣎ˠ̝෷ഠăܲᙋă෶ ٽ ᏉྤăᅙҖมх ٸٵ ̈́Ըྤѣᆊᙋ ד ඈຽચĄ ܫ ϡࢲᐍ ࠎ ώҖ̈́̄Җྤώࢍ೩౵͹ࢋ̝ຽચࢲᐍĄ 2. ܫ ϡࢲᐍგந ߆ ඉ ώҖ̈́̄Җ ܫ ϡࢲᐍგந̝ϫ۞ ࠎ ჯ޺ᘦઉ̝ྤய੨ཉඉரăᚑᖰ̝෷ ٸ ̼͛̈́ᐹ։̝ྤய ݡ ኳĂͽቁܲྤய̈́ќৈщБĄ ώҖ̈́̄Җ ܫ ϡࢲᐍგந፟ ט Β ߁ Ĉ నѣࢲᐍგநă଱ ܫ ăԸྤඈᆶᛉ؎ࣶົ੅ኢξಞᒖဩăயຽត̼̈́ྤώࢨᗝ၆ᑕ͞੫Ăᆶᛉ࠹ᙯఢౢ̈́ࢦ̂଱ ܫ ăԸྤ९ІĄ ࢎ ؠ ᚑᖰ̝଱ ܫ ְ݈ᇈᆶ඀Ԕ̈́ୃઇᇾ໤Ă ؠ ഇᏱந෷ ޢ ੠ᖸგநĂ˞ྋ މ ̝͗ᒉྻ̈́ྤ ߹ܛ ШĂ၆ ٺ ࢲᐍઐ੼̝၆෪ᆧΐ ᖬᆶᐛதĄ ֶ މ ͗࿁ ࡗ ፟தٕҖ ࠎ ෞ̶ડ̶ ܫ ϡඈ৺Ă၁ ܫ߉ ϡ̶৺გநĄ ֶ࣎Ҿ މ ͗ăะဥЋຽăயຽ̈́гડన ؠ ࢨᗝĂଠგ ܫ ϡᇷᐍะ̚ ޘ Ą ֶγొෞඈ̈́ण୕న ؠ ࢨᗝĂ ڦ ຍξಞ ܫ ϡΐቅត̼ĂႾଠϹ ٽ ၆͘ࢲᐍะ̚ ޘ Ą ޙ ϲ ܫ ϡ࿰ᛋЩಏ఼̈́ಡ፟ ט Ą ؠ ഇుඊෞҤྤய ݡ ኳĂ೩Е·֖̝ຫε໤౯Ą నϲ૞య̝ๅᝋგநಏҜ̈́ᆶᛉ؎ࣶົĂΐి̙։ๅᝋ఍ந̈́аќĄ ώҖ̈́̄Җ੫၆Ч͹ࢋຽચҾ ܫ ϡࢲᐍგந̝඀Ԕ̈́Ꮚณ͞ ڱ ᄲ ځ т˭Ĉ (1) ଱ ܫ ਬಶ଱ ܫ ྤய̶ᙷ̰̈́ొࢲᐍෞඈ̶ࢗт˭Ĉ a. ଱ ܫ ྤய̶ᙷ ώҖ̈́̄Җ၆Ћຽ଱ ܫ ͗ࢲᐍ۞ᏊณĂଳϡࣄഠˠ࿁ ࡗ ፟தሀ ݭ Ăৼˢੑચ̈́ ܧ ੑચЯ̄Ăྻϡ Logistic ਫ਼ᕩ̶ ژ Ă ࿰ҤࣄഠˠϏֽ˘ѐ࿁ ࡗ ፟தĂ֭၆໰࠹ᑕ۞ෞඈඈ৺Ăٕ҂ณ଱ ܫ ຽચপّ̈́ఢሀĂӀϡ ܫ ϡෞඈܑͽෞඈડ̶΍ ࢲᐍ੼ҲĂ଱ ܫ ᆶ ߤ ̈́෷ ޢ გநӮֶ މ ͗ྤ ܫ ෞඈ̶৺఍நĄ၆࣎ˠ଱ ܫ ͗ଳϡϦኛ̈́Җ ࠎ ෞඈሀ ݭ ડ̶ࢲᐍඈ৺Ă ̶ཏგநĄ̰ొሀ ؠݭ ഇٕ̙ ؠ ഇჯ᜕ᄃរᙋĂυࢋॡ̟ͽአ७Ăͽֹሀ ݭ ࢍზඕ ڍ ෭ ٺܕ ၁ᅫ࿁ ࡗ ଐԛĂ މ ͗ྤ ܫ ෞඈҌ͌Տѐࢦෞ˘ѨĂࡶ މ ͗ྤ ܫ ൴Ϡࢦ̂ត̼݋ዋॡᑭ੅አፋ׎ෞඈĄ b. ̰ొࢲᐍෞඈ ٸ ഠֶ̰ొෞඈΞГ̶ ࠎ ઉБă։рă إ Ξ̈́ᓠऴα̂ᙷĂ̂࡭ᄃ Standard & Poor’s ෞඈ၆ᑕт˭Ĉ ֶ̰ొෞඈ̶ᙷ ઉБ ։р إ Ξ ᓠऴ ٺ༊࠹ S&P AAA~BBB- BB+~BB- B+ B ̈́ͽ˭ (2) х ٸ ̈́ ٸٵ ᅙҖТຽ ώҖ̈́̄ҖдᄃᅙҖТຽซҖϹ ٽ ̝݈ื၆Ϲ ٽ ၆͘ྤ ܫ ซҖෞҤĂ఼૱ણ҂͹ࢋγొ ܫ ෞ፟ၹ̝ෞඈăϹ ٽ ၆͘ྤய ̈́ຽ͹ᝋৈఢሀ̈́׎ٙᛳ઼छࢲᐍඈĂࢎ ؠ ̙Т̝ᗝ ޘ ˯ࢨĄ֭ ؠ ഇ៍၅Ϲ ٽ ၆͘ ܫ ෞ̈́۵ᆊ̝ត̼ĂͽႾଠϹ ٽ ၆͘ ࢲᐍĄ (3) ๅ ד ̈́ࢉϠ̍׍ ώҖ̈́̄Җ෴ ד ᗝ ޘ ̝ࢎ ؠ Ăੵๅ ד ൴Җ۰ٕܲᙋ۰̝ ܫ ϡෞඈ ( ଳϡ S&P/Moody’s/Fitch/ ̚ර ܫ ෞٕ೎᜖ᄂ៉̝ෞඈ ) ื ௑Ъ ( ૱ચ ) ཭ְົ८ ؠ ̝౵ҲࢋՐγĂ إ ҂ณ઼छࢲᐍă CDS ಡᆊត̼ăξಞ ڶې ඈࢲᐍЯ৵҃ ؠ Ą ώҖ̈́̄Җ၆ ܧ ᔖᐍࢉϠ̍׍ࢎѣୃઇಏҜ̈́БҖࢲᐍᓁࢨᗝĂ֭ͽϹ ٽ Ъ ࡗ ෞᆊϒᇴ̈́Ϗֽሕдᇷᐍᗝү ࠎ ࢍზϹ ٽ ၆͘ ܫ ϡࢲᐍૄ໤Ă׀ ܫٺ ϡࢲᐍᓁࢨᗝ˭ଠგĄ