兆豐國際商業銀行109年 年報

171 財 務 狀 況 及 財 務 績 效 之 檢 討 分 析 與 風 險 管 理 事 項 171 ⪮Ֆᨊᗼ ד ⪮Ֆⅷᄓʠᒑ⤽Ӡኔ⎞ㆺるᾷ᫧ʶㅮ ɺȮ⪮Ֆᨊᗼ ሱⲖʷ౺቏⠗⫏ᮟȮ⪭Й⎞⊵ቺᓏᲩ⩐Ւ෼ഐ ܈̤Řᅘ⎔౬˧Ҁ ㅮ Ჿ 109 ౺ 12 ሶ 31 ᅺ 108 ౺ 12 ሶ 31 ᅺ ⩐Ւ᪓ ⫏ᮟⅶ㆜ 3,433,685,136 3,315,509,266 3.56% ⪭Йⅶ㆜ 3,139,101,707 3,023,362,627 3.83% ⊵ቺᓏᲩⅶ㆜ 294,583,429 292,146,639 0.83% ⥘Ř 109 ౺ಙ⫏⪭ㅮᲿⰱ 108 ౺ಙञౘ⩐Ւ׆ ߌ ॖʁŘ (1) ᫠⸉ ₎ד ᯍ᫠⸉Ȯએᄍत⠗ ד བྷζ⹾⠗׺ᏈᛧଇŘʙ⣬͸એ ᄍत⠗Ȯབྷᄍ⹾⠗׺Ꮘ ד ׺Ꮘⲿᄄʁが໽⎐ř (2) ྈ჻⺨രໞ቏⠣⸇ʠЙՖడң༼⫏࣑ԽŘʙ⣬͸त⠗હቅએ܈ ד ᵬቅṠӾⵒ̤࣑Խ໽⎐ř (3) え⫢ ߊ ṠӾ ד ЙӾ༼⫏࣑ԽŘʙ⣬͸ ۄ Ꮘ቏Ṡえ⫢ ߊ ˅ᆞ࣑Խř (4) ະᄇᓰㅮᛧଇŘ ʙ⣬͸ະᄇ༫⫵్ᓰ ד ະᄇЙṠӾ˅ԟᓰᛧଇ໽⎐ř (5) ࿮ᮢᓏᲩᘍʠ༼⫏࣑ԽŘʙ⣬͸Ⱨ༼⫏૽͗ ۄ Ꮘ⹾⠗ ( ⊵ ) ҝ׮ř (6) Ң˟⸉➄⫏ᮟᛧଇŘʙ⣬͸ⶪ׶૽͗ ۄ Ꮘ⹾⠗ ( ⊵ ) ҝ׮ᅠ 109 ౺ 1 ሶ 31 ᅺ⥑ἼŊ૽׆⦓Ӭㅷˡ༼⫏ᓰ ⱧӬ࿮ᓏᲩᘍʠ༼⫏໽⎐ř (7) Ң˟⫏ᮟ࣑ԽŘʙ⣬͸એӛΎ⨢⸉࣑Խ໽⎐ř (8) え⫀ ߊ ṠӾ ד ЙӾ⪭ЙᛧଇŘʙ ⣬͸⸉➄ЙӾえ⫀ ߊ ˅ᆞᛧଇ໽⎐ř (9) Ң˟⸉➄⪭ЙᛧଇŘʙ⣬͸⃌ᐉࠣ ٴۄ ໽ᄇ቏⸉ᛧଇ໽⎐ȯ ʷȮ⪮Ֆⅷᄓ ņɺŇሱⲖʷ౺ಙ቏⠗ᛍᄇᲩ⎞ềԊံᲩ⩐Ւ෼ഐ ܈̤Řᅘ⎔౬˧Ҁ ㅮ Ჿ 109 ౺ಙ 108 ౺ಙ ⩐Ւ᪓ Ӵ෉ᛍᄇᲩ 29,324,261 33,435,252 -12.30% Ӵ෉˫कᛍᄇᲩ 19,166,617 21,584,271 -11.20% ᛍᄇᲩ׶⤺ 48,490,878 55,019,523 -11.87% إ ్⫄ᮢȮ༫⧤ ד Ύ⨢⪸˶᜾Јဏએ 1,877,830 728,531 157.76% ềԊᛍӴ 23,409,097 28,808,545 -18.74% ⥘ 1 Ř 109 ౺ềԊᛍӴⰱʀ౺ಙᛧଇ 18.74% Ŋʙ⣬͸ ߌ Ӵ෉ᛍᄇᲩⰱʀ౺ಙᛧଇ₎ 12.30% إד ్⫄ᮢȮ༫⧤ ד Ύ ⨢⪸˶᜾Јဏએ࣑Խ₎ 157.76% ໽⎐ȯ ⥘ 2 ŘӴ෉ᛍᄇᲩⰱʀ౺ಙᛧଇ₎ 12.30% Ŋʙ⣬͸ ߌ FED ᅠ 109 ౺ 3 ሶが෉ 6 ᷪ౏ՒҚ᫤त⠗が෉Ŋक౬⫏ᮟᄇ Ჩ᪓ʁ᝱଎ᣅㆴ┮Ŋ⎐એतȮએ׺Ӵ෉ᛍᄇᲩȮṠЙӴ෉ᛍᄇᲩञౘᛧଇř إ ్⫄ᮢȮ༫⧤ ד Ύ⨢⪸˶᜾Ј ဏએ࣑Խ₎ 157.76% Ŋʙ⣬͸ טߌ ᯪ෼ഛㅨŊ 109 ౺࣑ဏʃ⏦Йᓏʠ إ ్⫄ᮢⰱ㋧ȯ ⥘ 3 Ř቏⠗⎞҃⩴Ύ˩׶଼͆Ҡ׺࿳Ӽʁʠ˺Ꮘ׶͆Ŋͩ⪮ࢊℶ⢌⣳હ⣶ᣅ⎊আ׶͆ŊᦪⲲᝒ⸅ℶ 108 ౺ಙ⪮Ֆࢊ ⠧ȯ ņʷŇㅷቅᏈՖᲿᐻⳭໞ෼ഐ ㅮ Ჿ 109 ౺૪もᄲ 109 ౺ㅷቅᏈՖᲿᐻ Ⳮໞ᪓ એᓰ᥸⳥⸇ņᅘ⎔౬̓┋ҀŇ 2,466,013 2,416,398 102.05% ᄍᓰ᥸⳥⸇ņᅘ⎔౬̓┋ҀŇ 1,882,644 1,957,245 96.19% कֈ༫ϝᄲņ⇾⸉̓┋ҀŇ 845,295 860,776 98.20% ⥘Ř቏⠗ᕓ౺૭๚≙⸇ ߡ ҙक⃻ᠰໞ⿢᪓Ȯ᧎ъȮଃक⫈ᆞ⩐Ւ෼ഐ ד Қ⠗᥸⳥ᾋᯆᲿᐻŊ⤶હҚ౺એᓰȮᄍᓰ ד क ֈᏈՖᲿᐻ⸇ȯ