71 / 120
68
Mega ICBC
-68-
Unit: In NT Thousand Dollars
December 31, 2014
Neither past due nor impaired
Past due but not impaired
Impaired
Reserve for
losses
Net amount
Excellent Satisfactory Fair
Weak
No rating
Subtotal
Excellent Satisfactory Fair
Weak
No rating Subtotal
Maximum credit risk
exposure of financial assets
in balance sheet:
Cash and cash equivalents
$ 161,729,983
$ 2,032,062 $
-
$
44,921 $
602,309 $ 164,409,275 $
- $
- $ - $ - $
- $
- $ - $
1,744 $ 164,407,531
Due from Central Bank and call
loans to banks
459,495,236
1,291,018
56,772
696,586
5,196,840
466,736,452
-
-
-
-
-
- -
750,371
465,986,081
Financial assets at fair value
through profit or loss
- Debt instruments
27,167,729
3,923,052 728,291
- 2,185,594 34,004,666
-
-
-
-
-
- - -
34,004,666
- Derivative financial
instruments
2,638,630
2,936
-
-
2,424,695
5,066,261
-
-
-
-
-
- - -
5,066,261
Bills and bonds purchased
under resale agreements
5,850,332
-
-
-
-
5,850,332
-
-
-
-
-
- - -
5,850,332
Receivables
84,467,292
32,375,233
2,433,660
462,595 52,468,606
172,207,386
273
532
283
1,945
14,534
17,567
449,542
1,620,552 171,053,943
Billsdiscountedandloans
462,990,489
515,140,781 176,487,838
67,872,965 510,072,658 1,732,564,731 166,271
383,375 128,035 2,762,393 669,362 4,109,436 19,240,136 21,920,032 1,733,994,271
Available-for-sale financial
assets-Debt instruments
175,375,440
868,483
-
333,703
- 176,577,626
-
-
-
-
-
- - -
176,577,626
Held-to-maturity financial
assets-Debt instruments
161,088,768
46,760
-
288,794
370,718
161,795,040
-
-
-
-
-
- - -
161,795,040
Otherassets
40,027
4,582,038
-
-
4,142,998
8,765,063
-
-
-
-
-
-
9,702
8,304
8,766,461
Total
$1,540,843,926
$ 560,262,363 $179,706,561
$ 69,699,564 $ 577,464,418 $2,927,976,832 $ 166,544 $
383,907 $ 128,318 $ 2,764,338 $ 683,896 $4,127,003 $ 19,699,380 $ 24,301,003 $2,927,502,212
a.
As of December 31, 2015 and 2014, according to the internal requirements of assets internal rating, the rate of liabilities instruments belonging to excellent level were 98.89% and 97.69%, respectively.
b.
As of December 31, 2015 and 2014, the rate of due from commercial banks and call loans to bank belonging to excellent level were 98.56% and 98.45%, respectively.
c.
As of December 31, 2015 and 2014, the rate of loans belonging to excellent level were 32.68% and 26.72%, respectively.
d.
Bills discounted and loans of the Bank and its subsidiaries were all in accordance with requirements of credit extensions and the relevant regulations, and classified by internal rating table.
e.
Bills discounted and loans of the Bank and its subsidiaries were all in accordance with requirements of credit extensions and the relevant regulations, and classified by internal rating model or table, the internal rating is
classified as excellent, satisfactory, fair and weak, the probability of default can corresponds to the Standard & Poor’s rating; Besides, those without credit ratings are risk exposures classified by credit rating (score) table,
corresponding credit default rates are yet to be confirmed, mainly as a sovereign state, banks and overseas branches customers. The Bank adopted qualified external rating as the quality control tools for sovereign states
and banks, and classified by rating table for overseas branches.
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