兆豐國際商業銀行109年 年報
135 財 務 概 況 135 (c) ᤀ⥫ᾀⵒ̤Řͩʙ⣬ᠰ֒ ࡍ ᇓᖎㅷ̒രʵ˫̒ᾰȯ LGD Ԋᵌඖ⫏⤻ʠ≙⸇Ŋͩʑⓧᖁ ߡ ⠗ ۄ ᏈᏈҝሳʠᛧံ⥫̒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⳧ⲪᔖᑁࠣᐉŊ૽Ⲫᔖ᱿ኞ⎞ⅶӠᄲŊ˫ ח വ׳⥫ ᾀ⎞ቅくᐉʁ᱿ⳮ₎᪓ȯ (6) ᖁ ߡ 109 ౺ӮᅘҴ⋄ (COVID-19) ᅠ׳ ߡ ᦓᱹŊ⠢ႻⵒӠ˺Ꮘ ד ᄮ㋤ᠰŊⳖ≟ ר ⋱ଃ⠗࿙Β⫏ᮟ ٴ ⫨ໞኞⳍ ໞഛㅨŊҢഛㅨỄಙ૽ ח ᗉᅠര↲ᅘҴ⋄ᯪ ׳ד ㅮᠰᙙՒ ט ᘘ ᱿ד ኞȯ⠗╒ゝ⳧Ȯ߱ ד ᄉ〦ቍ͗ᱹଭ ʠ ר വ⫏⤻Ŋʏ૽〦 ߌ ₪ₗҘᛧံᑁࠣᇷ〦⥫̒ᅞᘍ⧄ʠ׳ㅮϐ⥑⎞ א ᄲ ( ծؐㅷቅΒᮢံद⠣⸇͐ᮢʠⅶ㋤ᠰ྆ ᐻ ו ᆤሱᅘʠᄲჇ ) ȯ⠗૽↧↲ӡ〦ᘜᅘҴ⋄ᯪᱹଭᗼŊ૭๚⥫̒ ד ỬᏎ ߌ ະᯪଃ⠗⪮Ֆᨊᗼ ד ⅷ ᄓʠഛㅨȯ 4. Βᮢㆺるⴍるᛧℷᄎᾋ ᣅが̥ΒᮢㆺるŊ⠗ ד ઈ⠗ᮢʁӬᛧℷᄎᾋŘ (1) ဏჂΎ דٴ Ύ⨢ː ⠗ ד ઈ⠗ ࠀ ⤶ሷჂΎ ٴ ᾷⲄᘍȮჂΎ ٴ ᄍᓰϊዽ⤺⣬㔄ᾀŊଃᅠ ר ဏᣅჂΎ ٴ ʠ דߣ ჂΎ ٴ ̒ъȮᾷ⎞⚠Ӡ ʠỄᲀሷᆙᷨ⣳હȯ נ ᅠ࿙Β₎⤶ሷЙᓏΎҚȮჂΎጻᓰȮཌ⺨ጻᓰŊᆙᷨહ∑Βᮢʶ˴ᱹᮝᆹŊവᛧଇ㆜ಙȮⅧ ᵬζᓰѥⴒቅく⣶ᣅҚⵒӷቅȮ ד ૽࿙Βએʠએᓰཌ⺨Ң⪭ʠЙՖᾀŊ˫が̥࿙Βㆺるȯ (2) く㆜ᾷ ᣅⴍ҉ㆺる⳧ಙゝʑŊ⠗ ד ઈ⠗⤶ሷΒᮢㆺるゝʑಙഎⅶᾷⲄᘍŊଃᅠɺːȮɺゝ ߨ ˺ᏈȮɺᮟᏈȮɺ߸ ֒ / ߡ ࠀ ⥑くᾷȯ (3) ᛍ㆜˅ԟⅶ₎હ ⠗ ד ઈ⠗˅ᆞⳇྈⅶ㆜˅ԟŊ נ ⎞ⵒӠ˅ᆞଃ༆⤶હᛍ㆜˅ԟ₎હŊᅠӛⳮ₎ഐᆹ⎞⥿ଃ༆ʠሷ˅ᆞᔋ ʈྈᛍ㆜˅ԟŊ˫Ⳗɺᔎが̥Βᮢㆺるȯ (4) Ң˟Βᮢ࣑ ⠗ ד ઈ⠗ᅠ࿙Β₎⤶ሷཌ⺨ጻᓰŊᆙᷨહ∑Βᮢʶ˴ᱹᮝᆹŊവ૽࿙Βએ⠗ ד ઈ⠗ʠ׳Ớએᓰཌ⺨Ң⪭ʠ ⪭ЙŊ˫ חד ңὮɿᅞ⸉➄ᑨᐉʠΎ⨢Ŋᮢ˫が̥࿙Βㆺるȯ 5. Βᮢㆺるሱञሀる㆜ ⫏ᮟ⪭Й⠧ҙӬ⸉➄⫏ᮟʠሱञΒᮢሀる˫్Ӭ⸉㆜⠧ḻŊ⎏ᅠ⠧कʃ ר Ⴃ⺨ʠ༫⧤ⵒӠ˫ҢଋቍՒᮢ㆜ಙ⤺ᾰŊΒᮢ ᨊ⎞Ύ⨢ⵒӠᣅἼ̟ଋቍՒᮢʠΒᮢᨊㇷ㆜ ׳ד ㆩΎ⨢ᓰㅮȯ (1) ⠗ ד ઈ⠗⫏ᮟ⪭Й⠧ҙʠ⸉➄⫏ᮟ߱ʃ≙ჂΎ ٴ Ң˟ΒᮢԽడңʠሱञሀる㆜Ŋ₎ᯍᾀᅠ్ㄇъϊȯ⠗ ד ઈ ⠗ሱञΒᮢㆺるሀるʠ⸉➄⫏ᮟͩ⥫ᾀᾀ₤ʠⅶ్ㄇ⸉㆜ॖʁŘ a. ⫅ ד ᄍᓰ ܈̤Řᅘ⎔౬˧Ҁ 109 ౺ 12 ሶ 31 ᅺ ⫅ ד ᄍᓰ 12 ΤሶㅷቅΒᮢံद (Stage 1) એ↲ቅ⿵ㅷቅΒᮢံद ( ΤӲ⥫̒ ) (Stage 2) એ↲ቅ⿵ㅷቅΒᮢံद ( ⫵ҘԡআʠΒᮢᛧ ံ⸉➄⫏ᮟ ) (Stage 3) ͩȵ⠗⫏ᮟ⥫̒ံद ЈဏӬ ד ⳝቅᄍᓰАᄇ ᓰ إ ్⚠Ⲅᘍȶ⣳હ ဏӬʠᛧံదᯌ ⅶ⤺ ⥫ᾀᾀ₤ ŋϨҚ $ 853,021,294 $ 143,523 $ - $ - $ 853,164,817 ŋ⏦॑ 482,946,503 30,025,494 - - 512,971,997 ŋଋ ר 288,875,824 20,756,685 310,450 - 309,942,959 ŋ☃ 96,868,501 15,066,021 11,607,873 - 123,542,395 ᤀ⥫ᾀ 116,424,827 1,284,970 1,792,224 - 119,502,021 ⅶ్ㄇ⸉㆜ 1,838,136,949 67,276,693 13,710,547 - 1,919,124,189 Јཌ إ ్ ( 2,961,164 ) ( 581,822 ) ( 2,109,119 ) - ( 5,652,105 )) ͩȵ⠗⫏ᮟ⥫̒ံद ЈဏӬ ד ⳝቅᄍᓰ Аᄇᓰ إ ్⚠Ⲅᘍȶ ⣳હဏӬʠᛧံదᯌ - - - ( 23,513,862 ) ( 23,513,862 ) ⅶ⤺ $ 1,835,175,785 $ 66,694,871 $ 11,601,428 ( $ 23,513,862 ) $ 1,889,958,222
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