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II. Change in Organization Structure
The Bank has successfully maintained the quality of loan portfolio at satisfactory level with quite low NPL ratio in a quite
low level. Therefore, the Bank merged Overdue Loan & Control Department into Credit Control Department on
November 2015, to reinforce the current credit quality management function by monitoring over the credit lifecycle under
the same unit.
III. Operating Results in 2015
Units: millions in NTD, except as indicated
Year
Item
2015
2014
Change (%)
Deposits
(Note 1)
2,080,552
1,929,424
7.83
Loans
(Note 2)
1,765,178
1,691,323
4.37
Corporate Financing
1,377,601
1,325,417
3.94
Consumers Financing
(Note 3)
387,577
365,906
5.92
Foreign Exchange Business
(millions in USD)
842,207
825,871
1.98
Securities Purchased
380,305
360,828
5.40
Long-term Equity Investments
23,472
25,005
-6.13
Credit Card Loans
1,230
1,363
-9.76
Note 1: including due to China Post Co.
Note 2: the figure in 2015 with amount of non-performing loans NT$1,341 million, NPL ratio 0.08%, and coverage
ratio 1,723%
Note 3: excluding credit card loans
IV. Budget Implementation
2015 Pretax Income
(millions in NT dollars)
2015 Pretax Income Budget
(millions in NT dollars)
Budget achievement rate
(%)
30,250
26,732
113.16
Business Plan of 2016
I.
Business Plan
Sustain profits and market share by utilizing competitive advantages in Corporate Banking business.
Expand Wealth Management Business to increase the proportion of fee revenue.
Extend international banking business to facilitate niche marketing over international banking expertise.
Actively engage in product innovation in response to the forthcoming Bank 3.0.
Solidify legal compliance, enhance risk management and engage in Corporate Social Responsibility.
II.
Business Objectives
With consideration of current economic and financial developments, the Bank has set up the following business targets
based on competitive strategies for the year of 2016: total deposits of NT$2,150,425 million, total loans of NT$1,843,557
million and foreign exchange business of US$853,000 million.