兆豐國際商業銀行108年 年報

Annual Report 2019 136 財 務 概 況 136 (c) ᤀ⥫ᾀⵒ̤Řͩʙ⣬⃻ᠰ֒ ࡍ ᇓᖎㅷ̒രʵ˫̒ᾰȯ LGD Ԋᵌඖ⫏⤻ʠ≙⸇Ŋ͸ͩʑⓧᖁ ߡ ⹾⠗ ۄ Ꮘ׺Ꮘҝሳʠᛧံ⥫̒ᅞᘍ⧄྆೧Ŋိᮢ⸉➄⊓׶൉Βʑൔ א ᄲ̳ ᣅⳮ₎ံद᪓ʠԊᵌඖ⦲ᄮ א ᄲŊʏͩʙ⣬⃻ᠰ֒ ࡍ ᇓᖎㅷ̒⦲ᄮȯ B. ṠЙӾ༼⫏ ד ˅ᆞଃ༆ㆩࠣ˅ᆞ ⳮ₎᪓ʠԊᵌඖ̒⤺͸Ӵᮢⅶ㋤⃻ᠰ ߌ ઈⳖ⠗⠣⸇Ŋⲿ⳧Ⲫᔖᑁࠣ೘ᐉŊ૽Ⲫᔖ᱿⃌ኞ⎞ⅶ⃻Ӡᄲ⃌׶Ŋ˫ ח വ׳⥫ ᾀ⎞ቅく⃌ᐉʁ᱿ⳮ₎᪓ȯ 4. Βᮢㆺるⴍる໣ᛧℷᄎᾋ ᣅが̥ΒᮢㆺるŊ቏⠗ ד ઈ⠗࿮ᮢʁӬᛧℷᄎᾋŘ (1) ൉ဏჂΎ דٴ Ύ⨢ː ቏⠗ ד ઈ⠗ ࠀ ⤶ሷჂΎ ٴ ᾷ᫧ⲄᘍȮჂΎ ٴ ᄍᓰϊዽ⤺⣬㔄ᾀŊଃᅠ ר ൉ဏᣅჂΎ ٴ ʠ῅ דߣ ჂΎ ٴ ̒ъȮᾷ᫧⎞⚠Ӡ ʠỄ಍ᲀሷᆙᷨ⣳હȯ נ ᅠ࿙Β׶₎⤶ሷЙᓏΎҚȮჂΎ᧎ጻᓰȮཌ⺨ጻᓰŊᆙᷨહ∑Βᮢʶ˴ᱹᮝᆹŊവᛧଇ㆜ಙȮⅧ ᵬζᓰѥⴒቅく໣⣶ᣅҚⵒӷቅȮ ד ૽࿙Β໸૑એʠએᓰཌ⺨Ң໽⪭ʠЙՖᾀŊ˫が̥࿙Βㆺるȯ (2) く㆜࿳ᾷ ᣅⴍ҉ㆺる⳧ಙゝʑŊ቏⠗ ד ઈ⠗⤶ሷΒᮢㆺるゝʑಙഎⅶᾷ᫧ⲄᘍŊଃᅠ׺ɺːȮ׺ɺゝ ߨ ˺ᏈȮ׺ɺᮟᏈȮ׺ɺ߸ ֒ / ߡ ૊ ࠀ ⥑く࿳ᾷȯ (3) ᛍ㆜˅ԟⅶ₎હ ቏⠗ ד ઈ⠗˅ᆞⳇ౑ྈⅶ㆜˅ԟŊ נ ⎞ⵒӠ˅ᆞଃ༆⤶હᛍ㆜˅ԟ₎હŊ໣ᅠӛ᫠ⳮ₎෼ഐᆹ⎞⥿ଃ༆ʠ໽ሷ˅ᆞ⃃ᔋ ʈྈᛍ㆜˅ԟŊ˫Ⳗɺᔎが̥Βᮢㆺるȯ (4) Ң˟Βᮢ࣑೼ ቏⠗ ד ઈ⠗ᅠ࿙Β׶₎⤶ሷཌ⺨ጻᓰŊᆙᷨહ∑Βᮢʶ˴ᱹᮝᆹŊവ૽࿙Β໸૑એ቏⠗ ד ઈ⠗ʠ׳Ớએᓰཌ⺨Ң໽⪭ʠ ⪭ЙŊ˫ חד ңὮɿᅞ໣⸉➄ᑨᐉʠΎ⨢Ŋᮢ˫が̥࿙Βㆺるȯ 5. Βᮢㆺるሱञሀる㆜ ⫏ᮟ⪭Й⠧ҙ໽Ӭ⸉➄⫏ᮟʠሱञΒᮢሀる͸˫్Ӭ⸉㆜⠧ḻŊ⎏ᅠ⠧कʃ ר Ⴃ⺨ʠ༫⧤ⵒӠ˫ҢଋቍՒᮢ㆜ಙ⤺ᾰŊΒᮢ ᨊ⎞Ύ⨢ⵒӠᣅ఩⿭Ἴ̟ଋቍՒᮢʠΒᮢᨊㇷ㆜ ׳ד ㆩΎ⨢ᓰㅮȯ (1) ቏⠗ ד ઈ⠗⫏ᮟ⪭Й⠧ҙʠ⸉➄⫏ᮟ߱ʃ≙๱ჂΎ ٴ ໣Ң˟ΒᮢԽ೼డңʠሱञሀる㆜Ŋ₎ᯍᾀᅠ్ㄇъϊȯ቏⠗ ד ઈ ⠗ሱञΒᮢㆺるሀるʠ⸉➄⫏ᮟͩ⥫ᾀᾀ₤ʠⅶ్ㄇ⸉㆜ॖʁŘ a. ⫅᫠ ד ᄍᓰ ܈̤Řᅘ⎔౬˧Ҁ 108 ౺ 12 ሶ 31 ᅺ ⫅᫠ ד ᄍᓰ 12 ΤሶㅷቅΒᮢံद (Stage 1) એ↲ቅ⿵ㅷቅΒᮢံद ( ΤӲ⥫̒ ) (Stage 2) એ↲ቅ⿵ㅷቅΒᮢံद ( ㄄⫵Ҙ໣ԡআʠΒᮢᛧ ံ⸉➄⫏ᮟ ) (Stage 3) ͩȵ⹾⠗⫏ᮟ⥫̒ံद᜾ ЈဏӬ ד ⳝቅᄍᓰАᄇ ᓰ إ ్⚠᫧Ⲅᘍȶ⣳હ ဏӬʠᛧံదᯌ ⅶ⤺ ⥫ᾀᾀ₤ ŋϨҚ $ 858,600,604 $ 94,564 $ 119,597 - $ 858,814,765 ŋ⏦॑ 493,218,432 30,695,221 60,995 - 523,974,648 ŋଋ ר 269,148,634 21,940,794 248,357 - 291,337,785 ŋ☃೸ 92,394,474 12,773,535 8,988,527 - 114,156,536 ᤀ⥫ᾀ 113,231,932 1,203,030 542,569 - 114,977,531 ⅶ్ㄇ⸉㆜ 1,826,594,076 66,707,144 9,960,045 - 1,903,261,265 Јཌ إ ్ ( 2,736,126 ) ( 599,373 ) ( 2,350,961 ) - ( 5,686,460 )) ͩȵ⹾⠗⫏ᮟ⥫̒ံद ᜾ЈဏӬ ד ⳝቅᄍᓰ Аᄇᓰ إ ్⚠᫧Ⲅᘍȶ ⣳હဏӬʠᛧံదᯌ - - - ( 23,896,971 ) ( 23,896,971 ) ⅶ⤺ $ 1,823,857,950 $ 66,107,771 $ 7,609,084 ( $ 23,896,971 ) $ 1,873,677,834