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 ) ɺȮҝᗺㄊ ( 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 ሶᔋ ) ד ሷ〦ᘍ˪ᔌೣᄊȯᖁ ߡ 91 ౺ 12 ሶ 31 ᅺ⠗ͩ⸉➄⊵ҝᘍ⊵˷Ⱨဘ≟ᣅ҃⩴⸉➄ ⊵⊵˷ሷくҝᱻӠʠᱻྃ⊵ʠઈҝŊʏᔋʀఱ⫀⫢ȯᣅიञ⣳ᑁŊջఱࢍ֥ሷ᪓Ŋ⠗˫ᖁ ߡ 95 ౺ 8 ሶ 21 ᅺ ᣅࡣᅺؚᄇ˅ⳇ⠗⊵˷ሷくҝ ( ˫ʁ ờ˅ⳇ⠗ ) ʏሩᣅ҃⩴ ߡ も ۄ Ꮘ⠗⊵˷ሷくҝȯ҃⩴⸉➄⊵⊵˷ሷくҝ ( ˫ʁ ờ҃⩴⸉ ) ྃሷ⠗ 100% ⊵ᄲŊᣅ⠗ʠሱᕒҝȯ ⠗ ד ҃⩴ː⯿Ύる˩ː⊵˷ሷくҝ ( ˫ʁờ҃⩴Ύ˩ ) ଼҃⩴⸉ 100% ྃ⊵ʠઈҝŊᣅᄮゝ ߨ ᄮ㋤⫏ ד ᱹဧ ᄓŊ⠗ᅠᖁ ߡ 109 ౺ 5 ሶ 12 ᅺ͆҃⩴Ύ˩Ŋʏҥː⯿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) ⲄΒ⥅ᏈՖř (6) ט ઼Қᓏএ⥅༼⫏ᏈՖř (7) ⲄʑቅᱹඖᄍᓰȮΎ⨢ᾀ࿙ΒᏈՖř (8) א Խ༼⫏ԡඖ ד ԡᏈ༼⫏ʠʶᏈř (9) ʑतʙᾷᑨ〦ዽӄⲄʠҢ˟ሷ〦ᏈՖř (10) ͩΎるᘍ⣳હ ۄ Ꮘ⠗വҥΎる˩ ːʠ〦ᏈՖȯ ( ɿ ) ⠗ⅶᾷ⚠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 ( ʃؐᅠᖁ 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⥅⚠Ⲅ⠗ᘍ⣳હʠΒ⥅༼⫏ᏈՖʠ⣳ԬȮᾷ 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 ) ᮢ⸉➄Ჶᴏᾷএ ڂ ሳ ( ˫ʁ ờȵ⸉ᾷሳȶ ) ר⦓ ʠᅘᱹ̡ȮΔᔌര ߡ も⪮Ֆࢊԅʠഛㅨ ʁ⠧എӬ⸉ᾷሳ⦓ ר ʠᖁ ߡ 109 ౺⳺ᮢʠ ߡ も⪮Ֆࢊԅʠᅘᱹ̡ȮΔᔌ ד Δ⤶ʠԅ ד ⤟⸃Ř ᅘᱹ̡ / Δᔌ / Δ⤶ԅ ד ⤟⸃ ߡ もሳ⤺ԅʶሳᱹ̡ʠᮝᄓᅺ 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⪮ՖࢊԅὮ 3 ⚦ʠΔᔌȵᏈՖʠહ∑ȶ ᖁ ߡ 109 ౺ 1 ሶ 1 ᅺ ߡ も⪮ՖࢊԅὮ 9 ⚦Ȯ ߡ もሳ⤺ԅὮ 39 ⚦ ߡד も⪮Ֆ ࢊԅὮ 7 ⚦ʠΔᔌȵӴ᪓྆ᐻ⩐ㄊȶ ᖁ ߡ 109 ౺ 1 ሶ 1 ᅺ ߡ も⪮ՖࢊԅὮ 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 ⥫̒ʀⲩԅ ד ⤟⸃ଃ⠗ ד ઈ⠗⪮Ֆᨊᗼ⎞⪮Ֆⅷᄓʏᤀ⸅ञഛㅨȯ ( ʷ ) ଋቍᮢ⸉ᾷሳ⦓ ר ʠᅘᱹ̡ȮΔᔌര ߡ も⪮Ֆࢊԅʠഛㅨ ʁ⠧എӬ⸉ᾷሳ⦓ ר ʠᖁ ߡ 110 ౺⳺ᮢʠ ߡ も⪮Ֆࢊԅʠᅘᱹ̡ȮΔᔌ ד Δ⤶ʠԅ ד ⤟⸃Ř ᅘᱹ̡ / Δᔌ / Δ⤶ԅ ד ⤟⸃ ߡ もሳ⤺ԅʶሳᱹ̡ʠᮝᄓᅺ ߡ も⪮ՖࢊԅὮ 4 ⚦ʠΔᔌȵᇺᆹ⩦҉⳺ᮢ ߡ も⪮ՖࢊԅὮ 9 ⚦ʠೖȶ ᖁ ߡ 110 ౺ 1 ሶ 1 ᅺ ߡ も⪮ՖࢊԅὮ 9 ⚦Ȯ ߡ もሳ⤺ԅὮ 39 ⚦Ȯ ߡ も⪮ՖࢊԅὮ 7 ⚦Ȯ ߡ も⪮Ֆࢊ ԅὮ 4 ⚦ ߡד も⪮ՖࢊԅὮ 16 ⚦ʠὮʷべᕀΔᔌȵӴ᪓྆ᐻ⩐ㄊȶ ᖁ ߡ 110 ౺ 1 ሶ 1 ᅺ ぜʁӬⲩ≛कŊ⠗ ד ઈ⠗⥫̒ʀⲩԅ ד ⤟⸃ଃ⠗ ד ઈ⠗⪮Ֆᨊᗼ⎞⪮Ֆⅷᄓʏᤀ⸅ञഛㅨŊ〦ഛㅨ⸉㆜ഩ⥫̒રໞ ᆹʵ˫ဦヮŘ 1. ߡ も⪮ՖࢊԅὮ 9 ⚦Ȯ ߡ もሳ⤺ԅὮ 39 ⚦Ȯ ߡ も⪮ՖࢊԅὮ 7 ⚦Ȯ ߡ も⪮ՖࢊԅὮ 4 ⚦ ߡד も⪮Ֆࢊ ԅὮ 16 ⚦ʠὮʷべᕀΔᔌȵӴ᪓྆ᐻ⩐ㄊȶ ᔍΔᔌଔӴ᪓྆ᐻ⩐ㄊቅ⿵ᮟᮝʠ ۊ ㆛Ŋծ૽ኽɺӴ᪓྆ᐻ˫ 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ໞⵒӠʠᔋᅺȮᮢ᧚હⴍるሳ⤺ʠ㆜कᇺᆹඖᄍ૰⣳હŊ˫ ד ⎞ IBOR ⩐ㄊ〦ʠ㆜क IFRS 7 ဦヮȯ ( ɿ ) ߡ もሳ⤺ԅʶሳᱹ̡̟ଋቍ⸉ᾷሳ⦓ ר ʠ ߡ も⪮Ֆࢊԅʠഛㅨ ʁ⠧എӬ ߡ もሳ⤺ԅʶሳᱹ̡̟ଋቍₗҘ⸉ᾷሳ⦓ ר ʠ ߡ も⪮Ֆࢊԅʠᅘᱹ̡ȮΔᔌ ד Δ⤶ʠԅ ד ⤟⸃Ř
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