兆豐國際商業銀行109年 年報

Annual Report 2020 160 財 務 概 況 160 7. Ύる⫄⫄ᮢ ଃ⩽ 109 ౺ಙ 108 ౺ಙ ҁ೭ҝ׮Ř ҃⩴ᮟる $ 28,878 $ 31,669 8. ቏⠗ʠӬ֬Ȯૺ⡶ᄽ˴̳Ꮘ ד ՙՖकծ͸এ⥅ઈҝ׮イ⎟૪Ꮘ ( ⊵ ) ҝ׮˩ᣅ⚠᫧Ŋᖁ ߡ 109 ౺ ד 108 ౺ಙͩ₎હະ⃛ˡʠ ̳Ꮘ ד ՙՖकծᾀ⫄ᮢӠӲᣅ $161,540 ˧Ҁ ד $188,886 ˧Ҁȯ 9. ⎊ᖁ ߡ 90 ౺ಙ⬚Ŋ቏⠗ⵒӠΒᮢ֦̳Ꮘ ד ⵒӠⰇ⫁АᄇᏈՖ͸এ⥅ચҝ׮⹾ӕ ( ⊵ ) ҝ׮˩ᣅ⚠᫧Ŋᖁ ߡ 109 ౺ ד 108 ౺ ಙͩ₎હະ⃛ˡʠ̳Ꮘᾀ⫄ᮢӠӲᣅ $162,554 ˧Ҁ ד $181,326 ˧Ҁȯ 10. ᄍᓰ 109 ౺ 12 ሶ 31 ᅺ ܈̤Řᅘ⎔౬˧Ҁ ㆩӲ ໸ᄲ໣〦 ͸ː׻ờ ቏ቅሱ㋧ㇷ㆜ ቅ቎ㇷ㆜ ଷ₎෼ഐ ჂΎ ٴ ҙૌ ⎞㄄〦͸ːʠ˅ ᆞጻ˴ሷᤀʃ׺ ᔌ౑ᄍᓰ ⳝቅᄍᓰ ڂ డᚉ⫄ඖᄍᓰ 9 $ 5,037 $ 2,487 9 ᤀ ᤀ ⎊ᮢ̦ફཌདᄍᓰ 94 804,823 677,395 9 ʃՒᮟ ᤀ Ң˟ᄍᓰ 6 2,127,021 2,091,760 9 ʃՒᮟ / ቏⠗હએ / ΒΎࡣ⸉ ᤀ 108 ౺ 12 ሶ 31 ᅺ ܈̤Řᅘ⎔౬˧Ҁ ㆩӲ ໸ᄲ໣〦 ͸ː׻ờ ቏ቅሱ㋧ㇷ㆜ ቅ቎ㇷ㆜ ଷ₎෼ഐ ჂΎ ٴ ҙૌ ⎞㄄〦͸ːʠ˅ ᆞጻ˴ሷᤀʃ׺ ᔌ౑ᄍᓰ ⳝቅᄍᓰ ڂ డᚉ⫄ඖᄍᓰ 8 $ 4,612 $ 3,997 9 ᤀ ᤀ ⎊ᮢ̦ફཌདᄍᓰ 90 792,314 725,435 9 ʃՒᮟ ᤀ Ң˟ᄍᓰ 6 1,222,078 488,286 9 ʃՒᮟ / ቏⠗હએ ᤀ 11. Ύ⨢ᓰㅮ ܈̤Řᅘ⎔౬˧Ҁ ᅺቅ 〦͸ː׻ờ ቏ቅሱ㋧ㇷ㆜ ቅ቎ㇷ㆜ Ύ⨢⪸˶ ᜾Јㇷ㆜ ⫄᪓֒⿵ ჂΎ ٴ ҙૌ 109 ౺ 12 ሶ 31 ᅺ ҃⩴ᮟ᧎Ύる $ 9,004 $ 8,377 $ 113 1% ቏⠗એᓰ 108 ౺ 12 ሶ 31 ᅺ ҃⩴ᮟ᧎Ύる 9,258 8,941 125 1% ቏⠗એᓰ 12. ┷ʶȮᲶૣːȮⅶ⃻᫧ ד Ԟⅶ⃻᫧ᾀʙ⣬ᾷ᫧べଶ☥⶿⫏⤻ 109 ౺ಙ 108 ౺ಙ ☥⫏ ד Ң˟ᵬቅ ڂ డṵӴ $ 82,680 $ 86,773 ⲵ⊚രṵӴ 2,183 2,377 ׶⤺ $ 84,863 $ 89,150 ֓ʷȮཌ(⫨)དʠ⫏ᮟ ᖁ ߡ 109 ౺ ד 108 ౺ 12 ሶ 31 ᅺ቏⠗ ד ઈ⠗⫏ᮟဏͧჂΎᆙ₳Ŋ⦼ א 〇え⥘Ҟ ( ɿ ) Ȯ ( ߈ ) Ȯ ( ʽ ) Ȯ ( Ҝ ) ד ( ֓ɿ ) ⦦ᆙȯ ֓ɿȮ⸅ञ໣ሷ⪭Й ד ቍ⦓Ӭʠ׶₎༫⧤ ( ɺ ) ⸅ञ༫⧤ 1. ቏⠗ ד ҃⩴ₚ₎Ӡ⠗⎞⇾ ߡ ₚ₎జ⸉➄ሺՖ⇨ (New York State Department of Financial Services Ŋ˫ʁ ờ NYDFS) ᅠ 2016 ౺ 8 ሶ 19 ᅺҠ׺‘⇨׶า˪ (Consent Order) Ŋ቏⠗ ד ҃⩴ₚ₎Ӡ⠗ ߌ ቍ⋱೘⇦⳺ᯍʠ〾Ӽᘺ⻶ⴃൂ⤺ᯉŊ ד ቍ⋱ ሷᄓⴃൂ⇾ ߡ ⹾⠗Ύ૓ᘍ (BSA;Bank Secrecy Act)/ ו ᘺ⻶ (AML; Anti-Money Laundering) ᳈〦ᘍ⣳ʠᮭࢊ෼ʶŊぜ⳼⦩ ⇧ᓰ⇾⸉ 1 ђ 8 ˧┋Ҁ ד ဏӛሬㄇᄊۧ⤺ᯉकŊະ⊋˶ NYDFS ྆હʠⴃൂㆰ ۊ Ŋᅠ⊋хቅ⿵ҙ (6 Τሶ ) Ἴ֯ଔ҃⩴ₚ₎ Ӡ⠗ BSA/AML ⴃൂԼ⋱᱿⇃दᄊۧ෼ഐŊⳖ⠗Ჶᴏʏဏͧ⧖⥴ȯ נ ະҪ⊋˶ NYDFS ໽྆હ᱿᩸ἼᲶᴏːŊྃ↲ଃ҃⩴ ₚ₎Ӡ⠗ⴃൂ BSA/AML ᳈〦⣳῅ ד ᘍ⣳⣬ᖣʠሷᄓඖŊⳖ⠗Қㄇඖ᱿૭ውŊʏဏӛⴃൂࢊ ب ⎞೘⩀Ŋ ⸅ד ᅘᒑ⣶҃⩴ ₚ₎Ӡ⠗⎊ 2012 ౺ 1 ሶ 1 ᅺ⬚⎏ 2014 ౺ 12 ሶ 31 ᅺᔋʠ⇾Ҁᛤᾰ˅ᆞŊ˫ᷨ⦓⃻᮫҃⩴ₚ₎Ӡ⠗ʠ ר ᯝ˅ᆞᙙՒŊ ᆯ ר؋ ⡕⳺ᯍⲅ⦓ ד ͩჇ᳈〦 ר ᯝ˅ᆞᙙՒᮭࢊ⣳῅Ⳗ⠗ᮭࢊŊʈሷᤀⳮ ו ⇾ ߡ ⪮ᄎⵒᙹक⫏ᮟ࿳ӼⲄҝા (OFAC ; Of- fice of Foreign Asset Control) ᘍ⣳ ד ʀⲩ᳈〦⣳હȯ ໰⎏ውዽࢊ ب ᅺᔋŊଃʀⲩ໽Ӭ׳ㅮ⩀㆛቏⠗ ד ҃⩴ₚ₎Ӡ⠗ᲀ఩રໞ׳ㅮᲶᴏȮ⧖⥴ʏ఩ỬᏎ೼ջȮᄊۧ ד ⴃൂ׳ㅮ ೘⩀ȯ᩸ἼᲶᴏːଃʀⲩቅ⿵҃⩴ₚ₎Ӡ⠗⇾Ҁᛤᾰ˅ᆞʠ ߊ ᝒ⦲ውŊ఩ᅠ 2020 ౺ 2 ሶಎҚⵒરໞŊ૭ውቅ⿵᳈〦ᱹ ᫠఩ͩ⣳ဏࢊ┷ʶሳ ד ᳈〦ʙᾷᑨ〦Ŋ⃻⦲ውരʙᾷᑨ〦ˇ఩ⳇᵧ⃌ጊȯ 2. ቏⠗Ȯ҃⩴ₚ₎Ӡ⠗Ȯ҃⩴␃Խ څ Ӡ⠗ ד ҃⩴ᵹ⩟Ӡ⠗⎞⇾ ߡ ⊓⴪᜾Ј᫧ʶሳ (FED) ד ̀Ӵ⧤జ⸉➄ೕᅠ 2018 ౺ 1 ሶ 17 ᅺҠ׺‘⇨⡢⇧˪ (Order to Cease and Desist and Order of Assessment of Civil Money Penalty Ŋ˫ʁ ờ C&D) Ŋଔ҃ ⩴ₚ₎Ӡ⠗Ȯ҃⩴␃Խ څ Ӡ⠗ ד ҃⩴ᵹ⩟Ӡ⠗ᒑውࡣ᜾ᅺŊӠӲᣅ 2016 ౺ 6 ሶ 30 ᅺȮ 2016 ౺ 12 ሶ 31 ᅺ ד 2016 ౺ 9 ሶ 30 ᅺŊ໽ᱹ᫠⎞ㆺるᾷ᫧ ד ⴃൂ BSA/AML ⣬ᖣᇷᘍ˪⣳῅᳈〦ʠ⇃दŊぜ⳼⦩⇧ᓰ⇾⸉ 2 ˧ 9 ̓┋ҀकŊʏະဏ ӛ׳ㅮሬㄇᄊۧ⤺ᯉŊ ד ⊋˶᩸ἼὮɿᅞ⸅ᅘᒑ⣶҃⩴ₚ₎Ӡ⠗⎊ 2015 ౺ 1 ሶ 1 ᅺӷ 6 ሶ 30 ᅺʠ⇾Ҁᛤᾰ˅ᆞȯ