Mega Bank Annual Report 2017

84 Mega Bank -84- Unit: In NT Thousand Dollars December 31, 2016 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 $ 87,838,654 $ 1,874,076 $ 12,955 $ 10,259 $ 692,808 $ 90,428,752 $ - $ - $ - $ - $ - $ - $ - $ 2,206 $ 90,426,546 Due from the Central Bank and call loans to banks 535,423,829 2,169,137 644,120 1,311,797 462,859 540,011,742 - - - - - - - - 540,011,742 Financial assets at fair value through profit or loss - Debt instruments 34,151,375 4,415,420 99,880 - - 38,666,675 - - - - - - - - 38,666,675 - Derivative financial instruments 2,124,733 4,250 - - 1,654,141 3,783,124 - - - - - - - - 3,783,124 Bills and bonds purchased under resale agreements 4,255,968 - - - - 4,255,968 - - - - - - - - 4,255,968 Receivables 12,261,511 9,157,438 17,153,080 3,349,734 17,714,301 59,636,064 4,861 330 924 512 21,590 28,217 1,189,648 1,428,738 59,425,191 Bills discounted and loans 754,413,557 347,880,410 213,107,288 110,221,176 301,460,958 1,727,083,389 747,750 150,011 360,168 204,050 48,633 1,510,612 13,378,997 26,694,232 1,715,278,766 Available-for-sale financial assets- Debt instruments 198,432,234 199,558 - 60,173 - 198,691,965 - - - - - - - - 198,691,965 Held-to-maturity financial assets- Debt instruments 279,246,571 25,667 - - 18,930 279,291,168 - - - - - - - - 279,291,168 Other assets 84,130 795,526 - - 463,107 1,342,763 - - - - - - 5,608 3,034 1,345,337 Total $ 1,908,232,562 $ 366,521,482 $ 231,017,323 $ 114,953,139 $ 322,467,104 $ 2,943,191,610 $ 752,611 $ 150,341 $ 361,092 $ 204,562 $ 70,223 $ 1,538,829 $ 14,574,253 $ 28,128,210 $ 2,931,176,482 a. As of December 31, 2017 and 2016, according to the internal requirements of assets internal rating, the rate of liabilities instruments belonging to excellent level were 99.71% and 99.07%, respectively. b. As of December 31, 2017 and 2016, the rate of due from commercial banks and call loans to bank belonging to excellent level were 98.45% and 99.15%, respectively. c. As of December 31, 2017 and 2016, the rate of loans belonging to excellent level were 41.27% and 43.68%, 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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