兆豐國際商業銀行109年 年報

Annual Report 2020 104 財 務 概 況 104 ҃⩴ ߡ も ۄ Ꮘ⹾⠗⊵˷ሷくҝ׮ ד ઈҝ׮ ׶ ͆ ⪮ Ֆ ࢊ ⠧ え ⥘ ᖁ ߡ 109 ౺ಙ ד 108 ౺ಙ ܈̤Řᅘ⎔౬˧Ҁ ( ぜ᧚Ӳ⥘ᆙ≛क ) ɺȮҝ׮ᗺㄊ ( ɺ ) ҃⩴ ߡ も ۄ Ꮘ⹾⠗⊵˷ሷくҝ׮ ( ˫ʁ ờ቏⠗ ) Ԋ⯿ᣅʑ ߡ ⹾⠗Ŋᅠᖁ ߡ 60 ౺ 12 ሶ 17 ᅺͩჇⅶ⃥ҝ̡ʠȵʑ ߡߡ も ۄ Ꮘ⹾⠗ ጻ͛ȶ ( ఩ᅠᖁ ߡ 94 ౺ 12 ሶ೉ᔋ ) ד ሷ〦ᘍ˪ᔌೣᄊ⃅ȯᖁ ߡ 91 ౺ 12 ሶ 31 ᅺ቏⠗ͩ⸉➄࿳⊵ҝ׮ᘍ⊵˷Ⱨဘ≟ᣅ҃⩴⸉➄ ࿳⊵⊵˷ሷくҝ׮ᱻӠʠᱻྃ⊵ʠઈҝ׮Ŋʏ⃃ᔋʀఱ⫀⫢ȯᣅიञ⃻᥸⣳ᑁŊ೼ջఱࢍ֥ሷ᪓Ŋ቏⠗˫ᖁ ߡ 95 ౺ 8 ሶ 21 ᅺ ᣅࡣ᜾ᅺؚᄇ˅ⳇ⹾⠗⊵˷ሷくҝ׮ ( ˫ʁ ờ˅ⳇ⹾⠗ ) ʏሩ׻ᣅ҃⩴ ߡ も ۄ Ꮘ⹾⠗⊵˷ሷくҝ׮ȯ҃⩴⸉➄࿳⊵⊵˷ሷくҝ ׮ ( ˫ʁ ờ҃⩴⸉࿳ ) ྃሷ቏⠗ 100% ⊵ᄲŊᣅ቏⠗ʠሱ⃃ᕒҝ׮ȯ ቏⠗ ד ҃⩴ː⯿Ύる˩᫧ː⊵˷ሷくҝ׮ ( ˫ʁờ҃⩴Ύ˩ ) ׺଼҃⩴⸉࿳ 100% ྃ⊵ʠઈҝ׮Ŋᣅᄮ׶ゝ ߨ ᄮ㋤⫏᜺ ד ᱹဧ⃻᥸ ⃾ᄓŊ቏⠗ᅠᖁ ߡ 109 ౺ 5 ሶ 12 ᅺ׶͆҃⩴Ύ˩Ŋʏҥ᥸ː⯿Ύる˩᫧ːᏈՖȯ ( ʷ ) ቏⠗⃻᥸ʠᏈՖᣅŘ (1) ͩ⹾⠗ᘍ ۄ Ꮘ⹾⠗ὁ⣳હʠᏈՖř (2) ߡ もֈ҈ ד ሷ〦ᏈՖř (3) Ⳗӛ ם ⫁ᓰ ד Ύ⨢ᏈՖř (4) Ң˟⎞ ߡ も ⫈ᆞᱹଭሷ〦ʠ⸉➄ᏈՖř (5) Ⲅ᫧Β⥅ᏈՖř (6) ࿲ ט ઼໸Қᓏএ⥅༼⫏ᏈՖř (7) Ⲅ᫧ʑ⿢ቅ⿭ᱹඖᄍᓰȮΎ⨢ᾀ࿙ΒᏈՖř (8) א Խ༼⫏ԡ଄ඖ ד ԡᏈ༼⫏ʠʶᏈř (9) ⃻ʑतʙᾷᑨ〦ዽӄⲄ᫧ʠҢ˟ሷ〦ᏈՖř (10) ͩΎるᘍ໽⣳હ ۄ Ꮘ⹾⠗വҥ᥸Ύる˩ ᫧ːʠ᳈〦ᏈՖȯ ( ɿ ) ቏⠗ⅶᾷ᫧⚠⃾᫧Қ⠗ʶՖ ד ᏈՖŊʏ߱ ߡ ҙक׳⸅⣬߸֒⥑ἼӠ⠗Ŋ☼˫࿴ೊ׳ㅮᏈՖȯ቏⠗ͩᘍ⥘ҩʏ⥑Ἴᅠʑⓧᖁ ߡ ȯ ໰⎏ᖁ ߡ 109 ౺ 12 ሶ 31 ᅺᔋŊ቏⠗ぜ ߡ も⸉➄ᏈՖӠ⠗कŊ⥑ሷ ߡ ҙӠ⠗ 108 ૊ ( ʃؐⅶ⚠᥸Ꮘ܈̤ ) Ȯ ߡ कӠ⠗ 23 ૊Ȯ ߡ कઈ⠗ 1 ૊ ( ʃؐ఩ᅠᖁ ߡ 108 ౺ 4 ሶ 29 ᅺરໞ⤟ᄣʠԽཱྀञ҃⩴ ߡ も ۄ Ꮘ⹾⠗ ) Ȯ ߡ कᄄ⠗ 5 ૊Ȯ ߡ क˩⠧⚠ 2 ⚠ ד ⠗⺨Ⲅ ʶ⚠ 1 ⚠ȯ ( ߈ ) ቏⠗Β⥅⚠Ⲅ᫧⹾⠗ᘍ⣳હʠΒ⥅༼⫏ᏈՖʠ⣳ԬȮᾷ᫧ ד ᥸Ꮘȯ ( ʽ ) ໰⎏ᖁ ߡ 109 ౺ ד 108 ౺ 12 ሶ 31 ᅺᔋŊ቏⠗ ד ઈ⠗ʠ ڂ డːᄲӠӲᣅ 6,855 ː ד 6,970 ːȯ ʷȮⳇ⳧⪮Ֆࢊ ب ʠᅺቅ ד Ễ಍ ቏׶͆⪮Ֆࢊ ب ఩ᅠᖁ ߡ 110 ౺ 3 ሶ 12 ᅺ⃻┷ʶሳⳇ⳧ᱹ̡ȯ ɿȮᅘᱹ̡ ד Δ⤶᜾ԅ ד ⤟⸃ʠ⳺ᮢ ( ɺ ) ఩࿮ᮢ⸉➄Ჶᴏᾷ᫧এ ڂ ሳ ( ˫ʁ ờȵ⸉ᾷሳȶ ) ר⦓ ʠᅘᱹ̡ȮΔᔌര ߡ も⪮Ֆࢊ଄᜾ԅʠഛㅨ ʁ⠧എӬ⸉ᾷሳ⦓ ר ʠᖁ ߡ 109 ౺⳺ᮢʠ ߡ も⪮Ֆࢊ଄᜾ԅʠᅘᱹ̡ȮΔᔌ ד Δ⤶ʠ᜾ԅ ד ⤟⸃Ř ᅘᱹ̡ / Δᔌ / Δ⤶᜾ԅ ד ⤟⸃ ߡ もሳ⤺᜾ԅ᫧ʶሳᱹ̡ʠᮝᄓᅺ ߡ もሳ⤺᜾ԅὮ 1 ⚦ ߡד もሳ⤺᜾ԅὮ 8 ⚦ʠΔᔌȵဦヮθ⩀ - ⸅ञඖʠહ∑ȶ ᖁ ߡ 109 ౺ 1 ሶ 1 ᅺ ߡ も⪮Ֆࢊ଄᜾ԅὮ 3 ⚦ʠΔᔌȵᏈՖʠહ∑ȶ ᖁ ߡ 109 ౺ 1 ሶ 1 ᅺ ߡ も⪮Ֆࢊ଄᜾ԅὮ 9 ⚦Ȯ ߡ もሳ⤺᜾ԅὮ 39 ⚦ ߡד も⪮Ֆ ࢊ଄᜾ԅὮ 7 ⚦ʠΔᔌȵӴ᪓྆ᐻ⩐ㄊȶ ᖁ ߡ 109 ౺ 1 ሶ 1 ᅺ ߡ も⪮Ֆࢊ଄᜾ԅὮ 16 ⚦ʠΔᔌȵᅘࠣҴᨊ᯼ᕕ⋄᢫᳈〦Ậ⸉ᛧ⩕ȶ ᖁ ߡ 109 ౺ 6 ሶ 1 ᅺ ( ⥘ ) ⥘Ř⸉ᾷሳѿ⥓ဏԊᅠᖁ ߡ 109 ౺ 1 ሶ 1 ᅺ⳺ᮢȯ ⃻⥫̒ʀⲩ᜾ԅ ד ⤟⸃ଃ቏⠗ ד ઈ⠗⪮Ֆᨊᗼ⎞⪮Ֆⅷᄓʏᤀ⸅ञഛㅨȯ ( ʷ ) ଋቍ࿮ᮢ⸉ᾷሳ⦓ ר ʠᅘᱹ̡ȮΔᔌര ߡ も⪮Ֆࢊ଄᜾ԅʠഛㅨ ʁ⠧എӬ⸉ᾷሳ⦓ ר ʠᖁ ߡ 110 ౺⳺ᮢʠ ߡ も⪮Ֆࢊ଄᜾ԅʠᅘᱹ̡ȮΔᔌ ד Δ⤶ʠ᜾ԅ ד ⤟⸃Ř ᅘᱹ̡ / Δᔌ / Δ⤶᜾ԅ ד ⤟⸃ ߡ もሳ⤺᜾ԅ᫧ʶሳᱹ̡ʠᮝᄓᅺ ߡ も⪮Ֆࢊ଄᜾ԅὮ 4 ⚦ʠΔᔌȵᇺᆹ⩦҉⳺ᮢ ߡ も⪮Ֆࢊ଄᜾ԅὮ 9 ⚦ʠೖ⿢ȶ ᖁ ߡ 110 ౺ 1 ሶ 1 ᅺ ߡ も⪮Ֆࢊ଄᜾ԅὮ 9 ⚦Ȯ ߡ もሳ⤺᜾ԅὮ 39 ⚦Ȯ ߡ も⪮Ֆࢊ଄᜾ԅὮ 7 ⚦Ȯ ߡ も⪮Ֆࢊ ଄᜾ԅὮ 4 ⚦ ߡד も⪮Ֆࢊ଄᜾ԅὮ 16 ⚦ʠὮʷべᕀΔᔌȵӴ᪓྆ᐻ⩐ㄊȶ ᖁ ߡ 110 ౺ 1 ሶ 1 ᅺ ぜʁӬ໽ⲩ≛कŊ቏⠗ ד ઈ⠗⃻⥫̒ʀⲩ᜾ԅ ד ⤟⸃ଃ቏⠗ ד ઈ⠗⪮Ֆᨊᗼ⎞⪮Ֆⅷᄓʏᤀ⸅ञഛㅨŊ᳈〦ഛㅨ⸉㆜ഩ⥫̒રໞ ᆹʵ˫ဦヮŘ 1. ߡ も⪮Ֆࢊ଄᜾ԅὮ 9 ⚦Ȯ ߡ もሳ⤺᜾ԅὮ 39 ⚦Ȯ ߡ も⪮Ֆࢊ଄᜾ԅὮ 7 ⚦Ȯ ߡ も⪮Ֆࢊ଄᜾ԅὮ 4 ⚦ ߡד も⪮Ֆࢊ଄᜾ ԅὮ 16 ⚦ʠὮʷべᕀΔᔌȵӴ᪓྆ᐻ⩐ㄊȶ ᔍΔᔌଔӴ᪓྆ᐻ⩐ㄊቅ⿵໽ᮟᮝʠ ۊ ㆛Ŋծ཮૽ኽɺӴ᪓྆ᐻ˫ נ ɺ྆ᐻӴ᪓ ח ˩Ŋଃᅠ˫ IBOR ᣅࡣḞʠ׶₎ඖ⫨Ŋဏ ͧ ߌ IBOR ⩐ㄊ≟ᄊ⩐ᗉહ׶₎᫠⸉ᙟ⸇ࡣḞʠሳ⤺⚠᫧Ŋ ד ࿮ᮢⴍるሳ⤺≛Ŋ⸒ଃὮɺべᕀᄍ૰߱ⴍる〦͸ʑᣅ㄄׶₎᧚ હㆺる⃅ໞⵒӠʠ⃃ᔋᅺȮ࿮ᮢ᧚હⴍるሳ⤺ʠ㆜कᇺᆹඖᄍ૰⣳હŊ˫ ד ⎞ IBOR ⩐ㄊ᳈〦ʠ㆜क IFRS 7 ဦヮȯ ( ɿ ) ߡ もሳ⤺᜾ԅ᫧ʶሳ఩ᱹ̡̟ଋቍ⃻⸉ᾷሳ⦓ ר ʠ ߡ も⪮Ֆࢊ଄᜾ԅʠഛㅨ ʁ⠧എӬ ߡ もሳ⤺᜾ԅ᫧ʶሳ఩ᱹ̡̟ଋቍₗҘ⸉ᾷሳ⦓ ר ʠ ߡ も⪮Ֆࢊ଄᜾ԅʠᅘᱹ̡ȮΔᔌ ד Δ⤶ʠ᜾ԅ ד ⤟⸃Ř