兆豐國際商業銀行108年 年報

163 財 務 概 況 163 2. ቏⠗Ȯ҃⩴ₚ₎Ӡ⠗Ȯ҃⩴␃Խ څ Ӡ⠗ ד ҃⩴ᵹ⩟Ӡ⠗⎞⇾ ߡ ⊓⴪᜾Ј᫧ʶሳ (FED) ד ̀Ӵ⧤జ⸉➄ೕᅠ 2018 ౺ 1 ሶ 17 ᅺҠ׺‘⇨⡢⇧˪ (Order to Cease and Desist and Order of Assessment of Civil Money Penalty) Ŋଔ҃⩴ₚ₎Ӡ⠗Ȯ҃ ⩴␃Խ څ Ӡ⠗ ד ҃⩴ᵹ⩟Ӡ⠗ሱⲖቅᒑውࡣ᜾ᅺŊӠӲᣅ 2016 ౺ 6 ሶ 30 ᅺȮ 2016 ౺ 12 ሶ 31 ᅺ ד 2016 ౺ 9 ሶ 30 ᅺŊ໽ᱹ᫠⎞ㆺるᾷ᫧ ד ⴃൂ BSA/AML ⣬ᖣᇷᘍ˪⣳῅᳈〦ʠ⇃दŊぜ⳼⦩⇧ᓰ⇾⸉ 2 ˧ 9 ̓┋ҀकŊʏະဏӛ׳ㅮ ሬㄇᄊۧ⤺ᯉŊծ཮቏⠗┷ʶሳ⎞⇾ ߸ߡ ֒㋧べᾷ᫧べଶŊະ೼ջҝ׮ᗶ᫧⎞ᾷ᫧べଶʠᲶᴏᾷ᫧ᑨӼŊ┷ʶሳະဏӛ ೘Ἴ⇾ ߸ߡ ֒ 4 ૊Ӡ⠗׶͆ᗶ᫧ከᐉ ד ೼ջᲶᴏᾷ᫧ᑨӼʠሬㄇᄊۧ⤺ᯉŊ┷ʶሳ⎞ʀⲩɿ૊Ӡ⠗ະ⊓׻ဏӛӠ⠗Ӳʠ ೼ջⴃൂ BSA/AML ד OFAC ᘍ⣳⣳῅⣬ᖣʠᲶᴏᾷ᫧ᑨӼʠሬㄇ⤺ᯉŊ቏⠗⎞҃⩴ₚ₎Ӡ⠗Ȯ҃⩴␃Խ څ Ӡ⠗ ד ҃⩴ ᵹ⩟Ӡ⠗ະҪଔ೼ջ BSA/AML ⴃൂ⤺ᯉȮ઼໸Ჵ⊚⦲ውȮ ר ᯝ˅ᆞᙙՒʠᲶ࿳⎞ᮭࢊ ד OFAC ʠⴃൂᾀ⩀㆛Ŋဏӛሬ ㄇᄊۧ⤺ᯉȯᔍकŊ᩸ἼᲶᴏː఩ࡠ⠗⸅ᅘᒑ⣶҃⩴ₚ₎Ӡ⠗⎊ 2015 ౺ 1 ሶ 1 ᅺӷ 6 ሶ 30 ᅺʠ⇾Ҁᛤᾰ˅ᆞŊ˫ᷨ⦓ ⃻᮫҃⩴ₚ₎Ӡ⠗ʠ ר ᯝ˅ᆞᙙՒŊᆯ ר؋ ⡕⳺ᯍⲅ⦓ ד ͩჇ᳈〦 ר ᯝ˅ᆞᙙՒᮭࢊ⣳῅Ⳗ⠗ᮭࢊȯฑᔍᓝ FED ⡢⇧˪ ʑˇ⊾હ቏⠗ଃҝ׮ᗶ᫧఩࿮ ח ೼ջ࿶ᅡŊ ד ቏⠗༫⧤ଃ⇾ ߡ ʀⲩɿ૊Ӡ⠗ʠᲶᴏ⎞ᘍⴃ⤺ᯉྃ↲ᄊۧ᱿ᗉൔȯ נ FED ⎞ NYDFS ᕓ౺ʬሳଔₚ₎Ӡ⠗ᄮ㋤ʠㆺるᾷ᫧Ȯ̳Ꮘ࿳ᾷȮᘍ˪ⴃൂ ד ⫏ᮟ ٴ ⫨ (ROCA) Ⳗ⠗⊓׶ᒑውŊ቏⠗ ד ҃⩴ₚ₎Ӡ⠗ᅠ 2018 ౺ 3 ሶȮ 2019 ౺ 3 ሶ ד 2020 ౺ 3 ሶଔʀⲩʶ˴⳴˅ሬㄇᄊۧ⤺ᯉŊര↲ᔌଔ໽⳴˅ʠሬㄇᄊ ۧ⤺ᯉʑ໽Ӭ׳ㅮㆺるᾷ᫧ ד ᘍ˪ⴃൂ⩀㆛ྃ↲ᄊۧʑȯ ໰⎏ውዽࢊ ب ᅺᔋŊʀⲩሬㄇᄊۧ⤺ᯉʑ໽Ӭ׳ㅮ⩀㆛ŊञⵒӠ఩રໞᄊۧŊʏͩ⣳ྈખဏࢊ┷ʶሳരࢊⲶ⊓⴪᜾Ј⹾ ⠗ȯ ב ᩸ἼᲶᴏːଃʀⲩቅ⿵҃⩴ₚ₎Ӡ⠗⇾Ҁᛤᾰ˅ᆞʠ ߊ ᝒ⦲ውŊ఩ᅠ 2020 ౺ 2 ሶಎરໞ⦲ውడ̳Ŋ૭ውቅ⿵᳈ 〦ᱹ᫠఩ͩ⣳હဏࢊ┷ʶሳ ד ᳈〦ʙᾷᑨ〦ȯ 3. ቏⠗ଃ⎊⯿Ⴢ˶ᛤᾰ⠗ʠ ߡ ҙ⇾ҀᛤᾰᑨӼȮ ש ̀ᛤᾰᑨӼʁ ר ⋱ⲿ⳧҃⩴ₚ₎Ӡ⠗Ⳗ⠗ᛤᾰʠ⇾Ҁ˅ᆞŊ ד ⲿ⳧҃⩴ ₚ₎Ӡ⠗ʑⱧʠ⇾Ҁ˅ᆞŊ⃻⥫̒᳈〦 ר ᯝ˅ᆞᙙՒʠᲶ࿳⎞ᮭࢊ ד OFAC ʠⴃൂᾀㆺる⩀㆛രŊ఩⊋˶᩸ἼὮɿᅞᑨ ᐉଔ ߡ ҙ⇾ҀᛤᾰᑨӼ⎊ 2013 ౺ 3 ሶӷ 2017 ౺ 8 ሶȮ ש ̀ᛤᾰᑨӼ⎊ 2011 ౺ 10 ሶӷ 2018 ౺ 10 ሶ ר ⋱ⲿ⳧҃⩴ₚ ₎Ӡ⠗Ⳗ⠗ᛤᾰʠ⇾Ҁ˅ᆞŊ ד ⲿ⳧҃⩴ₚ₎Ӡ⠗ʑⱧ⎊ 2012 ౺ 1 ሶӷ 2018 ౺ 2 ሶʠ⇾Ҁ˅ᆞŊʙՒⲄ᫧ ߊ ᝒ⦲ውŊ ᅠ 2019 ౺ 12 ሶಎ఩Қᄲરໞ⦲ውడ̳Ŋʏ఩ͩ⣳હな↲ဏࢊ┷ʶሳŊʏ׿ OFAC Ⲅ᫧⎊ໟဦヮȯͩჇയో⥫̒⦦ᆙŊ ቏⠗߱Ὢ׶ᄎಓᄎᾋʁŊⲄ᫧ ש ̀ᛤᾰᑨӼ᳈〦̳ᏈŊʏᤀわ֑໣ᄑาⳮ ו OFAC ⣳῅ȯҚጊ᫠᮫⇾ ߡ ʙᾷᑨ〦Ⳗ⠗ര ↲⦲ውʑŊ቏⠗ʏྃ↲〦ᘜҢⳖಙȯ ( ʷ ) ໰⎏ᖁ ߡ 108 ౺ ד 107 ౺ 12 ሶ 31 ᅺᔋŊ቏⠗ ד ઈ⠗⤺ሷʁӬ༫⧤ʶㅮŘ 108 ౺ 12 ሶ 31 ᅺ 107 ౺ 12 ሶ 31 ᅺ ʃ ר Ⴃ⺨ʠ₎હ➄⫏㆜ಙ $ 115,208,577 $ 106,262,607 ⎞઼໸⤶હえ⫀ ߊ ሷъ⨢Ӿʠ༫⧤⸉㆜ 32,128,969 26,988,236 ⎞઼໸⤶હえ⫢ ߊ ሷъ⨢Ӿʠ༫⧤⸉㆜ 7,536,981 3,997,958 Βᮢ֦࿙Β༫⧤ 86,738,760 72,164,865 Ύ⨢ᓰㅮ 161,294,237 173,965,112 ഩΎ⨢ᓰㅮ 25,401 - Βᮢᨊᓰㅮ 47,258,042 58,777,320 ະˡΎᾷሷъ⨢Ӿ 309,916,421 241,506,923 ະˡΎᾷ ٴ 2,701,974 3,304,009 એҘΎ⨢ ٴ 112,655,731 115,254,645 ט ⥅˩ᄇᓰ 74,940,360 91,890,545 ט ⥅˩ᄍᓰ 476,536 619,034 ט ⥅˩ ڰ ᅧ⠗ᄄṠ 871,120 1,153,653 ט ⥅˩ ⸉ڰ ౬ - 240 ט ⥅˩ ڰ ⣳⫄⨢ 985 807 ט ⥅༫⺨ ٴ 1,654 1,710 ט ⥅⃻᫧ᄎಓᱸ⻞ЙӾ 184,033,700 162,582,200 ט ⥅⃻᫧ゝΎṠӾ 86,740,467 61,895,381 Β⥅⪭Й 569,150,273 470,035,199 ະˡΎ⨢ṠჇ 4,108,949 5,103,628 ֓ ߈ Ȯ⸅ञᢤેံद ᤀᔍ෼ഐȯ ֓ʽȮ⸅ञቅരʶㅮ ቏⠗ ד ઈ⠗ᅠᖁ ߡ 108 ౺ 10 ሶ 18 ᅺ⃻┷ʶሳᗉ⩀ᮭ⦼ᤀჂΎʙㅯ̤⸉➄ЙӾൂ᭔ᱹ⠗㆜ಙᅘ⎔౬֓ђҀᄮŊ⃻ʙᾷᑨ〦ᅠᖁ ߡ 108 ౺ 12 ሶ 4 ᅺዽӄŊʈ఩ᅠᖁ ߡ 109 ౺ 3 ሶ 11 ᅺ՚ゝ⎞ᱹ⠗ 109 ౺ಙὮɺቅᤀჂΎɺ⎷ㅯ̤⸉➄ЙŊᱹ⠗ⅶ㆜ᣅᅘ⎔౬֓ђ Ҁᄮȯ ֓ҞȮҢ˟ ( ɺ ) ⸉➄⫏ᮟʠẼⱧ ד ⪭Йᚉᝥʠ᳈〦⫏⤻ ᤀᔍ෼ഐȯ ( ʷ ) ⸅⣬⃅ↈʠ⦲ᄮ ד ᾷ᫧Ӽಙʠ⸅ञ⩐ㄊ ቏⠗ ד ઈ⠗ᣅဏ֗कֈ᥸⳥ᾷ᫧ʠ⃾ᄓŊᅠᖁ ߡ 108 ౺ 4 ሶ 2 ᅺໞἼकֈ᥸⳥⚠ȯ