兆豐國際商業銀行109年 年報
Annual Report 2020 132 財 務 概 況 132 a. ࿙Β⫏ᮟӠㆩ ⠗ ד ઈ⠗ଃ˺Ꮘ࿙Βㆺる᱿⠣⸇Ŋᮢζᓰːⳮ₎ᑨ᪓ᑁࠣŊₗҘ⪮Ֆ ד ⪮Ֆ ߌ ઈŊ⳥ᮢ Logistic ⲪᔖӠኔŊ ㅷ̒ζᓰːቍ͗ɺ౺ⳮ₎ᑨ᪓Ŋʏଃᤫະ᱿⥫ᾀᾀ₤Ŋ≙⸇࿙ΒᏈՖ᧚ඖ ד ⣳ᑁŊӴᮢΒᮢ⥫ᾀ⠧˫⥫ᾀ֒Ӡӛ ㆺる㋧̥Ŋ࿙Β૭ው ד ⫁രᾷ ࠀ ઼ͩ⫏Β⥫ᾀӠ₤⚠ȯଃΤː࿙Βᮢᮭ⦼ ד ⠗ᣅ⥫ᾀᑁࠣ֒Ӡㆺるᾀ₤Ŋ Ӡ∌ᾷȯҙⵒᑁࠣહቅʃહቅℋ⩂⎞㊹⨢Ŋൕ⣬ᆹʵ˫⦲ዮŊ˫͐ᑁࠣ⤺ᾰኞ⫅Ⲗᅠ૪もⳮ₎ഐŊ઼⫏Β ⥫ᾀ⎏ଇᕓ౺⸅⥫ɺᓝŊ઼⫏Βᱹᮝ⸅ञ⩐ջԅ⳺ᆹᒑ⤽⦲ᄮҢ⥫ᾀȯ b. ҙⵒㆺる⥫ᾀ ᄍᓰͩҙⵒ⥫ᾀ ר ҪӠᣅϨҚȮ⏦॑Ȯଋ דר ☃ ߈ ञㆩŊञ⎐⎞ Standard & Poor’s ⥫ᾀଃະॖʁŘ ͩҙⵒ⥫ᾀӠㆩ ϨҚ ⏦॑ ଋ ר ☃ ᯍᅠ S&P AAA~BBB- BB+~BB- B+ B ד ˫ʁ (2) એᄍ ד བྷᄍ⠗Ꮘ ⠗ ד ઈ⠗߱⎞⠗ᏈⳖ⠗˅ᆞʠԊㅱଃ˅ᆞଃ༆⫏ΒⳖ⠗⥫̒Ŋⳇ א ≙ʙ⣬कⵒΒ⥫ᑨᐉʠ⥫ᾀȮ˅ᆞଃ༆⫏ᮟ ד ᏈʙᓏᲩ⣳ᑁ ד Ң଼ ߡ ㆺるᾀŊ⤶હʃʠ㆜ಙʀくȯʏહቅ⤐ૣ˅ᆞଃ༆Β⥫ ד ⊵ъʠ⩐ջŊ˫Ჶ˅ᆞଃ༆ ㆺるȯ (3) ЙӾ ד ⠘ᮝడң ⠗ ד ઈ⠗⫀Ӿ㆜ಙʠ⤶હŊぜЙӾᱹ⠗≛Ύ⨢≛ʠΒᮢ⥫ᾀ ( ᮢ S&P/Moody’s/Fitch/ ʑⓧΒ⥫ฒ⩇⎔ᢕʠ⥫ᾀ ) ㅱ Ὢ ( Ֆ ) ┷ʶሳዽહʠሱ̥⣬ᖣकŊଋ≙⸇ ߡ ㆺるȮ CDS ࢊъ⩐ջȮఱࢍᨊᗼᾀㆺる ߌ ₪≟હȯ ⠗ ד ઈ⠗ଃⴍる⠘ᮝడң⤶ሷᄝϝ܈̤ ד Қ⠗ㆺるⅶく㆜Ŋʏ˫˅ᆞ₎⥫ъᔌᄲ ד ቍ͗៌߱ሀる㆜̳ᣅ⤺ᾰ˅ᆞ ଃ༆ΒᮢㆺるࡣŊ͆ᅠΒᮢㆺるⅶく㆜ʁᾷȯ (4) ⫏ᮟ ٴ ⫨ ⠗ ד ઈ⠗ଃᅠ ח വ׳ㆩ⸉➄⫏ᮟʠ ٴ ⫨⤶ሷ׳ㆩሱ̥ᐻ ד ૭ውỄŊʏ˫׳ㆩく㆜ᾷ⫏ᮟʠゝʑಙㆺるŊྃ ሷቅ⿵ʬહቅᲶ⫏ᮟ ٴ ⫨ʠ⩐ջŊ ח ະᅡℋྃ ٴ ⫨ʃ࣏ŊॖᮟᮝЙᓏ ט ံᯝᆹŊˇ⤶ሷᄎᾋ ד Ⲅᘍဏએ⭁च ʠံदЈŊ˫᳠૪ ו ᆤ ד ΎゃҝᏈʙᓏᲩʠъϊȯ 3. ㅷቅΒᮢံद⦓Ӭ⎞⠣⸇ ㅷቅΒᮢံद׆ԅᣅ⥫̒ᛧံံदࡣḞŊ≙⸇⎞⳧ʶㅮȮᆹᨊᗼ ד ቍ͗ᠰᨊᗼㅷᛵሷ〦ʠʈ ר ̧⨢ʠ⫏⤻ ( ᤀト⳧ ಙໞ༼Ҙ֯ חר വ≛ŊծԊᵌඖ⫏⤻ ) Ŋᅠࢊᅺ⥫̒⎊׆আ⦓ӬരΒᮢㆺるᆯ ؋ ㆴ┮࣑Խ ד ᆯ ؋ ΒᮢᛧံŊ֒Ӡ ᣅ̥Βᮢㆺる (Stage 1) ȮΒᮢㆺるㆴ┮࣑Խ (Stage 2) ُΒᮢᛧံ (Stage 3) ɿべᕀŊӠӲ˫ 12 ΤሶㅷቅΒᮢံद⸉㆜⠣⸇Ј ཌံद (Stage 1) ד એ↲ቅ⿵ㅷቅΒᮢံद⸉㆜⠣⸇Јཌံद (Stage 2 ד Stage 3) ȯ ׳ Stage ʠહ∑ ד ㅷቅΒᮢံदʠ⦓ӬॖʁḻŘ ̥Βᮢㆺる (Stage 1) ྆⥿ώ⸉➄⫏ᮟᅠࢊᅺʠΒᮢㆺる̥Ŋ⎊׆আ⦓ӬᅺരΒᮢㆺるʏቍㆴ┮࣑Խ≛Ŋㅱ̒⤺ࢊᅺര 12 Τሶҙʠㅷቅ Βᮢံदȯ Βᮢㆺるㆴ┮࣑Խ (Stage 2) ྆⥿ώ⸉➄⫏ᮟ≙⸇ሷʈ ר ̧⨢ʠ⫏⤻രŊᅠࢊᅺ⥫̒⎊׆আ⦓ӬᅺരᱹᮝΒᮢㆺるㆴ┮࣑ԽฑଋቍΒᮢᛧ ံʠഐ≛Ŋㅱ̒⤺એ↲ቅ⿵ʠㅷቅΒᮢံदȯ Βᮢᛧံ (Stage 3) ଃ⥿ώ⸉➄⫏ᮟʠㅷቅቍ͗⸉ᙟ⸇ңሷʃӴഛㅨʠɺㅮघㅮᗼᱹᮝᆹŊ⥿ώ࿙Β⣶ᣅΒᮢᛧံŊㅱ̒⤺એ↲ቅ ⿵ʠㅷቅΒᮢံदȯ (1) ⎊׆আ⦓ӬരΒᮢㆺるㆴ┮࣑Խʠӱᅜ A. ࿙ΒᏈՖ ⠗ ד ઈ⠗ᅠᕓɺࢊᅺ⥫̒׳ㆩ࿙Β⫏ᮟㅷቅએ↲ቅ⿵ᱹᮝⳮ₎ʠㆺるʠ⩐ՒŊ˫ӱહ⎊׆আ⦓ӬരΒᮢㆺるᆯ ؋ ㆴ┮࣑Խȯᣅ̳ᔍ⥫̒Ŋ⠗ ד ઈ⠗≙⸇ㆴḻ⎊׆আ⦓ӬരΒᮢㆺるㆴ┮࣑Խʈ ר ̧⨢ʠ⫏⤻ ( ծԊᵌඖ ⫏⤻ ) Ŋʙ⣬≙⸇྆ᐻծŘ a. ⸇ջ྆ᐻ (a) ҙⵒ / कⵒΒᮢ⥫ᾀʠ⩐Ւ ʙ⣬≙⸇ࢊᅺ⸉➄డңʠकⵒ⥫ᾀᾀ₤ⰱ׆আ⦓Ӭᅺʁが⬢⳧ 2 Τᾀ₤ŊʈὪҢ˟ጻ˴≛Ŋ૽ӱહ⎊ ׆আ⦓ӬരΒᮢㆺるㆴ┮࣑Խȯ⸉➄డңХңҙⵒ⥫ᾀⵒ̤Ŋԅ҅૽ҙⵒ⥫ᾀଃᤫ⎏कⵒ⥫ᾀŊҪͩჇक ⵒ⥫ᾀʠ⣳ԅӱહȯ נ ᤀ⥫ᾀⵒ̤˫ⳝቅᨊᗼ⫏⤻ ד ⫨ඖ྆ᐻӱહȯ
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