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≙⸇Ŋ͸ͩʑⓧᖁ ߡ ⹾⠗ ۄ Ꮘ׺Ꮘҝሳʠᛧံ⥫̒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⳧Ⲫᔖᑁࠣ೘ᐉŊ૽Ⲫᔖ᱿⃌ኞ⎞ⅶ⃻Ӡᄲ⃌׶Ŋ˫ 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 ㅮ⃻ᠰᙙՒ ט ᘘ ᱿ד ⃌ኞȯ቏⠗఩╒ゝ⳧׏Ȯ᫠߱ 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⋄᢫ᯪ෼ᱹଭ෼ᗼŊ૭๚⥫̒ ד ỬᏎ ߌ ະᯪ෼ଃ቏⠗⪮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 ᾷ᫧ⲄᘍȮჂΎ ٴ ᄍᓰϊዽ⤺⣬㔄ᾀŊଃᅠ ר ൉ဏᣅჂΎ ٴ ʠ῅ דߣ ჂΎ ٴ ̒ъȮᾷ᫧⎞⚠Ӡ ʠỄ಍ᲀሷᆙᷨ⣳હȯ נ ᅠ࿙Β׶₎⤶ሷЙᓏΎҚȮჂΎ᧎ጻᓰȮཌ⺨ጻᓰŊᆙᷨહ∑Βᮢʶ˴ᱹᮝᆹŊവᛧଇ㆜ಙȮⅧ ᵬζᓰѥⴒቅく໣⣶ᣅҚⵒӷቅȮ ד ૽࿙Β໸૑એʠએᓰཌ⺨Ң໽⪭ʠЙՖᾀŊ˫が̥࿙Βㆺるȯ (2) く㆜࿳ᾷ ᣅⴍ҉ㆺる⳧ಙゝʑŊ቏⠗ ד ઈ⠗⤶ሷΒᮢㆺるゝʑಙഎⅶᾷ᫧ⲄᘍŊଃᅠ׺ɺːȮ׺ɺゝ ߨ ˺ᏈȮ׺ɺᮟᏈȮ׺ɺ߸ ֒ / ߡ ૊ ࠀ ⥑く࿳ᾷȯ (3) ᛍ㆜˅ԟⅶ₎હ ቏⠗ ד ઈ⠗˅ᆞⳇ౑ྈⅶ㆜˅ԟŊ נ ⎞ⵒӠ˅ᆞଃ༆⤶હᛍ㆜˅ԟ₎હŊ໣ᅠӛ᫠ⳮ₎෼ഐᆹ⎞⥿ଃ༆ʠ໽ሷ˅ᆞ⃃ᔋ ʈྈᛍ㆜˅ԟŊ˫Ⳗɺᔎが̥Βᮢㆺるȯ (4) Ң˟Βᮢ࣑೼ ቏⠗ ד ઈ⠗ᅠ࿙Β׶₎⤶ሷཌ⺨ጻᓰŊᆙᷨહ∑Βᮢʶ˴ᱹᮝᆹŊവ૽࿙Β໸૑એ቏⠗ ד ઈ⠗ʠ׳Ớએᓰཌ⺨Ң໽⪭ʠ ⪭ЙŊ˫ חד ңὮɿᅞ໣⸉➄ᑨᐉʠΎ⨢Ŋᮢ˫が̥࿙Βㆺるȯ 5. Βᮢㆺるሱञሀる㆜ ⫏ᮟ⪭Й⠧ҙ໽Ӭ⸉➄⫏ᮟʠሱञΒᮢሀる͸˫్Ӭ⸉㆜⠧ḻŊ⎏ᅠ⠧कʃ ר Ⴃ⺨ʠ༫⧤ⵒӠ˫ҢଋቍՒᮢ㆜ಙ⤺ᾰŊΒᮢ ᨊ⎞Ύ⨢ⵒӠᣅ఩⿭Ἴ̟ଋቍՒᮢʠΒᮢᨊㇷ㆜ ׳ד ㆩΎ⨢ᓰㅮȯ (1) ቏⠗ ד ઈ⠗⫏ᮟ⪭Й⠧ҙʠ⸉➄⫏ᮟ߱ʃ≙๱ჂΎ ٴ ໣Ң˟ΒᮢԽ೼డңʠሱञሀ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 ( ㄄⫵Ҙ໣ԡআʠΒᮢᛧ ံ⸉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