74 / 120
71
Annual Report 2015
-71-
Unit: In NT Thousand Dollars, %
Month/Year
December 31, 2014
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
$
448,348 $ 617,988,986
0.07% $
8,068,491
1,799.60%
Unsecured loans
386,045
751,118,032
0.05%
9,650,444
2,499.82%
Consumer
banking
Residential mortgage
loans (Note 4)
359,072
289,753,117
0.12%
3,147,343
876.52%
Cash card services
-
-
-
-
-
Small amount of credit
loans (Note 5)
749
11,115,192
0.01%
118,846
15,867.29%
Others
(Note 6)
Secured
loans
52,840
85,635,206
0.06%
931,650
1,763.15%
Unsecured
loans
-
303,770
-
3,258
-
Gross loan business
$
1,247,054 $
1,755,914,303
0.07% $
21,920,032
1,757.75%
Amount of
overdue
accounts
Balance of
accounts
receivable
Overdue
account ratio
Allowance
for doubtful
accounts
Coverage
ratio
Credit card services
$
7,592
4,300,701
0.18% $
65,063
856.99%
Without recourse factoring (Note 7)
$
4,351 $
46,390,766
0.01% $
695,914
15,994.35%
Notes:
1.
The amount recognised as non-performing loans is in accordance with the “Regulation Governing the Procedures for Banking
Institutions to Evaluate Assets and Deal with Non-performing/Non-accrual Loans”. The amount included in overdue accounts
for credit cards is in accordance with the Financial-Supervisory-Banks (4) Letter No.0944000378 dated July 6, 2005.
2.
Non-performing loan ratio = non-performing loans/gross loans. Overdue account ratio for credit cards=overdue
accounts/balance of accounts receivable.
3.
Coverage ratio for loans = allowance for doubtful accounts of loans/non-performing loans. Coverage ratio for accounts
receivable of credit cards = allowance for doubtful accounts for accounts receivable of credit cards/overdue accounts.
4.
For residential mortgage loans, the borrower provides his/her (or spouses or minor) house as collateral in full and mortgages it
to the financial institution for the purpose of obtaining funds to purchase or add improvements to a house.
5.
Small amount of credit loans apply to the norms of the Financial-Supervisory-Banks (4) Letter No. 09440010950 dated
December 19, 2005, excluding credit card and cash card services.
6.
Other consumer banking is specified as secured or unsecured consumer loans other than residential mortgage loan, cash card
services and small amount of credit loans, and excluding credit card services.
7.
Pursuant to the Financial-Supervisory-Banks (5) Letter No. 094000494 dated July 19, 2005, the amount of without recourse
factoring will be recognised as overdue accounts within three months after the factor or insurance company resolves not to
compensate the loss.
(B)
Non-performing loans and overdue receivables exempted from reporting to the competent authority
Unit: In NT Thousand dollars
December 31, 2015
Total amount of non-performing loans
exempted from reporting to the competent
authority
Total amount of overdue receivables
exempted from reporting to the
competent authority
Performing amounts exempted from reporting to the
competent authority as debt negotiation (Note 1)
$
16 $
-
Performing amounts in accordance with debt liquidation
program and restructuring program (Note 2)
402
3,383
$
418 $
3,383
Unit: In US Thousand dollars
December 31, 2015
Total amount of non-performing loans
exempted from reporting to the competent
authority
Total amount of overdue receivables
exempted from reporting to the
competent authority
Performing amounts exempted from reporting to the
competent authority as debt negotiation (Note 1)
$
- $
-
Performing amounts in accordance with debt liquidation
program and restructuring program (Note 2)
12
103
$
12 $
103