73 / 120
70
Mega ICBC
-70-
Unit: In NT Thousand Dollars
December 31, 2014
Loans
Allowance for probable losses
Not impaired
Impaired
Individual
assessment
Collective
assessment
Individual
assessment
Collective
assessment
Total
Individual
assessment
Collective
assessment
Total
Loans net
amount
Provisions for
doutbful
accounts/
impaired loans
%
ROC
$
- $ 1,265,573,449 $ 16,435,386 $ 822,052 $ 1,282,830,887 $ 3,050,591 $ 13,426,330 $ 16,476,921 $ 1,266,353,966
85.64
Asia
- 294,618,817
679,520
-
295,298,337
198,311
3,139,199 3,337,510 291,960,827
17.35
North America
-
64,019,464
729,003
-
64,748,467
135,881
683,486
819,367
63,929,100
4.26
Others
- 112,462,437
574,175
-
113,036,612
106,229
1,180,005 1,286,234 111,750,378
6.69
Total
$
- $ 1,736,674,167 $ 18,418,084 $ 822,052 $ 1,755,914,303 $ 3,491,012 $ 18,429,020 $ 21,920,032 $ 1,733,994,271
113.94
G.
Foreclosed properties management policy
As of December 31, 2015 and 2014, other assets in the consolidated balance sheet include foreclosed properties’ book value of the Bank
and its subsidiaries both totalling NT$0 thousand. According to the regulations of regulatory authorties, foreclosed properties of the Bank
shall be sold within four years.
H.
Supplementary information in accordance with “Regulations Governing the Preparation of Financial Reports by Public Banks”
(A)
Asset quality of non-performing loans and overdue accounts
Unit: In NT Thousand Dollars, %
Month/Year
December 31, 2015
Business/Items
Amount of
non-performing
loans (Note 1)
Gross loans
Non-performing
loan ratio
(Note 2)
Allowance
for doubtful
accounts
Coverage
ratio (Note 3)
Corporate
Banking
Secured loans
$
473,008 $ 651,622,322
0.07% $
8,173,030
1,727.88%
Unsecured loans
629,388 753,801,141
0.08%
10,615,113
1,686.58%
Consumer
banking
Residential mortgage
loans (Note 4)
478,119 296,699,744
0.16%
3,552,218
742.96%
Cash card services
-
-
-
-
-
Small amount of credit
loans (Note 5)
750
5,477,886
0.01%
64,880
8,650.67%
Others
(Note 6)
Secured
loans
18,308
88,931,480
0.02%
1,058,568
5,782.00%
Unsecured
loans
735
202,710
0.36%
2,420
329.25%
Gross loan business
$
1,600,308 $ 1,796,735,283
0.09% $
23,466,229
1,466.36%
Amount of
overdue
accounts
Balance of
accounts
receivable
Overdue
account ratio
Allowance
for doubtful
accounts
Coverage
ratio
Credit card services
$
8,746 $
4,377,178
0.20% $
49,579
566.88%
Without recourse factoring (Note 7)
$
- $ 37,366,842
- $
560,562
-
Unit: In US Thousand Dollars, %
Month/Year
December 31, 2015
Business/Items
Amount of
non-performing
loans (Note 1)
Gross loans
Non-performing
loan ratio
(Note 2)
Allowance
for doubtful
accounts
Coverage
ratio (Note 3)
Corporate
Banking
Secured loans
$
14,382 $ 19,813,376
0.07% $
248,511
1,727.88%
Unsecured loans
19,137
22,920,249
0.08%
322,765
1,686.58%
Consumer
banking
Residential mortgage
loans (Note 4)
14,538
9,021,520
0.16%
108,010
742.96%
Cash card services
-
-
-
-
-
Small amount of credit
loans (Note 5)
23
166,562
0.01%
1,973
8,650.67%
Others
(Note 6)
Secured
loans
557
2,704,071
0.02%
32,187
5,782.00%
Unsecured
loans
22
6,163
0.36%
73
329.25%
Gross loan business
$
48,659
54,631,941
0.09% $
713,519
1,466.36%
Amount of
overdue
accounts
Balance of
accounts
receivable
Overdue
account ratio
Allowance
for doubtful
accounts
Coverage
ratio
Credit card services
$
266 $
133,093
0.20% $
1,508
566.88%
Without recourse factoring (Note 7)
$
- $
1,136,185
- $
17,045
-