兆豐國際商業銀行109年 年報

06 Annual Report 2020 致 股 東 報 告 書 ! 6 ߈ Ȯ ט कⵒὊᦩ᭔ࣀȮᘍ⣳᭔ࣀ ד ⅶ㋤⃻᥸᭔ࣀʠഛㅨ ņɺŇकⵒὊᦩ⎞ⅶ㋤⃻᥸᭔ࣀ „ ߡ ҙ⹾⠗ᏈὊᦩ᠚ᣊŊએᄍӴదი࣑ʃᆞ ᮫ᅠ ߡ ҙ⹾⠗૊ᄲ˫ ד ᜀ⫏⳧घŊ ߌ ᔍᏈ≛घỬᏎలଞᙹकఱࢍ˫ဏ֗ᄇᲩȯ̟߱ 109 ౺⇾ דߡ घᄲ ߡ ૊त⠗ञౘが෉ʏ࿮ ח ㄄З⃥⪴౬ᄎᾋʁŊᙹकӴద᱿ѭ՛ሷ໽が̥Ŋʈఱࢍᇒ⳦ㅷቅᇓᖎỻહുᮡԊ ʙ⣬त⠗ʃሳ֗෉ŊㆴḻӴదᵬቅҙザ˫ ߊ ֗ȯ „ ⸉➄Ấ༬ᱹଭ͐ᖁ᳷∳๩ᄊ⩐ 109 ౺ಎ ߡ ҙ⹾⠗Ӡ⠗૊ᄲⰱʀ౺ಎᛧଇ 2 ૊Ŋೖ↲ 93 ౺͗᱿ʁが⬹՛Ŋ ו ᆤ⸉➄Ấ༬˫ ד ℐ⭰⹾⠗᱿ ⎟⬚Ŋ ח ˩૪㋤Ӡ⠗ⵒӠԼ⋱᱿ഛㅨȯ ߡ ҙ㈪૊₞ℐ⹾ˇᅠ 110 ౺Ҁሶʁᅾ⿭ౡŊЗ⃥⹾⠗ᏈՖㄇ⎈ᅘ ࠣ๗Ꮘ≛ʠὊᦩȯ „ ᯪ෼ް⸅⠢Ⴛ⃻ᠰᙙՒŊʈ׳ᮟᏈഛㅨᆙㆴʃ׺ ߱ᯪ෼ଋቍሷᄓ࿳ӼʁŊ ט ฒᅠᅘ⎟Ấ༬⳥ᮢ໽⠘ᮝʠᄲ̤トᖣŊẤ༬ᮟᏈᇓᖎ⠧᫠ᆙㆴⰱ̈́ř⎏ᅠʑ ଅ˺ᏈȮЗ⃥⢌ⳍᏈ˫ ד ዀᯪㆺるⰱ㋧᱿ሺՖᏈŊԅ ט ᯪ෼⠢Ⴛⰱञȯᔍᾀ᫠⩽ഛㅨ⹾⠗ଃ׳ᮟᏈᄍᓰ าㆤŊʏР׿ㆺるⰱ̥᱿ʃՒᮟᄍᓰŊ ߌ ≟͹͐त⠗࿮ ח ⴆႹඖΒᮢᾷӼ˫⤟ᗉ⸉➄ఱࢍ ۊ ㆛ȯ „ ㋧ಙ᱿ʃᷨહඖධ͐⸉➄ఱࢍञౘՒ᲼ ᯪ␫᱿ሷᄓඖ ד ᇒ ד ඖ˜ഩ⤐ૣŊ␵ᯪ␫౏͗᱿ᔌㄇᄓᲩ๨ᅠᯪ෼ณջỄಙŊ໣߱ᇓᖎỻહുᮡԊᄎᾋ ᄄྃ⳧ᅽⲵࢍŊධଃ˺Ꮘ᥸⳥ ד ଔᏈఱࢍⳍໞʃӴഛㅨŊ⸉➄ఱࢍ ר ⋱ ߌ ᔍ᠚ᣊネ᲼ȯ ņʷŇᘍ⣳᭔ࣀ „ त⠗ᅠ 109 ౺ 12 ሶᣅ͹Ⳗ⸉➄ỻહ ד ϨҚ⹾⠗ᏈՖŊ〾῅⹾⠗Βᮢ⫏᜺⳧ಙᙟ׿ʃՒᮟ⫁ᓰŊԽᛖ⸉➄ ㆺるᯝ๱ ד ʃӴᮝᮟʶᏈ૪⫨༼⫏ŊⳠ⦲ᄮʃՒᮟ⫁ᓰ૭๚࿶ᅡŊℤⅧ⫁ᓰໞᄲ ૰ד くቅ⣳῅ȯ „ त⠗Δᔌ⹾⠗ᏈⲄ᫧कֈᏈՖᾷ᫧ⲄᘍŊ˫ ߌ ະ⸉➄ᄲ̤ջ ד कֈᏈՖ⃻᥸⬹՛Ŋ ջ⹾⠗ᮭ⦼ᣅकֈ྆ હ⹾⠗ʠỄ಍ ד ጻ˴Ŋ׺ᆹᣅ͹Ⳗ ߡ ҙ⸉➄ ٴۄ घҀᱹଭŊᄍ૰྆હ⹾⠗ ר ᅠࣀҙᱹ⠗कֈ⸉➄ЙӾവⳐ ⃌⠘ᮝඖ ٴۄ ໣ᣅ⃌ᐉࠣЙӾȯ „ ᮫ᅠҚ᫤ᯪ෼֗ᝐŊᣅྃ↲֠Հʑଅ˺Ꮘ೼ջ᥸⳥Ւ⋱Ŋत⠗૽ʑଅ˺Ꮘ⫁ᓰ૾ጊ➄ⳇᮭⲄቅく᮫ 109 ౺ ಎೖ⿢⎏ 110 ౺ 6 ሶಎŊ⹾⠗ᅘ༫ϝ૾ጊ⫁ᓰ⳺ᮢʠѭฒӴ᪓ቅくˇ׺ᔎೖ⿢ȯत⠗ʏ૽⣶ᯪ෼⩐ջ ד ˺Ꮘ⫏⸉トᖣ෼ᗼŊྃ↲ᒑ⤽૾ጊ⫁ᓰ᳈〦ҙૌȯ „ ⸉ᾷሳ⤶હᱹలȵ⹾⠗Ⲅ᫧㋧⫏ᮟ઼໸⳺ᮢʠ⸉➄ דٴۄ ሺՖᾷ᫧ⲄᘍȶŊⲿ⳧ᘍ⣳㌂⃯Ŋᄍ૰⹾⠗ଃ㋧ ⫏ᮟ઼໸ဏͧघҀջ⸉➄ דٴۄ ㆰ ۊ ⧖⥴ሺՖŊሷՀဏ֗ ߡ ⹾⪮૗ᾷ᫧᱿ὊᦩԻȯ „ ⸉ᾷሳᣅ࿴Ւ⸉➄Ấ༬ᱹଭŊ૽ቄ೘ἼમҚʈ ר Β⫯⫏ᅆ˅ဘᑨӼŊ˫Ӵ⫏ᅆ⭪ ࡍ ˅ဘ⳥ᮢŊʏ࿴Ւ⹾⠗ Ꮘ≛ᅠᄲ̤ሺՖΤːջ⸉➄ㅽ ࡍ ʠະᮢŊᔍሷӴᅠ⹾⠗ဏͧᖁ᳷ሩ൬Ⳍ͵࿌ʠ⸉➄ሺՖȯ ʽȮΒᮢ⥫ᾀ෼ഐ ⥫ᾀᑨᐉ ⿢ቅ ᵬቅ ଭቃ ᱹలᅺቅ Moody’s A1 P-1 Stable 109.11.19 S&P A A-1 Stable 109.10.23 ʑⓧΒ⥫ twAA+ twA-1+ Stable 109.10.23 ┷ʶ⿢Ř ⅶ⃻᫧Ř