Mega Bank Annual Report 2017

86 Mega Bank -86- Unit: In NT Thousand Dollars December 31, 2016 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 doubtful accounts/ impaired loans % ROC $ - $ 1,261,478,161 $ 10,588,311 $ 728,542 $ 1,272,795,014 $ 2,383,636 $ 17,338,574 $ 19,722,210 $ 1,253,072,804 174.27 Asia - 275,312,574 900,184 8,259 276,221,017 295,756 3,781,923 4,077,679 272,143,338 448.86 North America - 85,663,604 45,974 - 85,709,578 13,276 1,176,723 1,189,999 84,519,579 2,588.42 Others - 106,139,662 1,093,357 14,370 107,247,389 246,136 1,458,208 1,704,344 105,543,045 153.86 Total $ - $ 1,728,594,001 $ 12,627,826 $ 751,171 $ 1,741,972,998 $ 2,938,804 $ 23,755,428 $ 26,694,232 $ 1,715,278,766 G. Foreclosed properties management policy As of December 31, 2017 and 2016, other assets in the consolidated balance sheet include foreclosed properties’ book value of the Bank and subsidiaries both totaling NT$0 thousand. According to the R.O.C. Banking Law, 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, 2017 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 $ 1,128,319 $ 645,095,746 0.17% $ 9,782,286 866.98% Unsecured loans 536,519 736,683,401 0.07% 12,510,566 2331.80% Consumer banking Residential mortgage loans (Note 4) 472,705 307,978,041 0.15% 4,579,914 968.87% Cash card services - - - - - Small amount of credit loans (Note 5) 307 11,654,683 0.00% 169,328 55155.70% Others (Note 6) Secured loans 132,076 88,979,017 0.15% 1,311,503 992.99% Unsecured loans 468 125,373 0.37% 1,908 407.69% Gross loan business $ 2,270,394 $ 1,790,516,261 0.13% $ 28,355,505 1248.92% Amount of overdue accounts Balance of accounts receivable Overdue account ratio Allowance for doubtful accounts Coverage ratio Credit card services $ 9,460 $ 4,840,142 0.20% $ 47,226 499.22% Without recourse factoring (Note 7) $ - $ 33,152,887 - $ 497,293 - Unit: In US Thousand Dollars, % Month/Year December 31, 2017 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 $ 38,057 $ 21,758,491 0.17% $ 329,948 866.98% Unsecured loans 18,096 24,847,659 0.07% 421,970 2331.80% Consumer banking Residential mortgage loans (Note 4) 15,944 10,387,818 0.15% 154,476 968.87% Cash card services - - - - - Small amount of credit loans (Note 5) 10 393,102 0.00% 5,711 55155.70% Others (Note 6) Secured loans 4,455 3,001,181 0.15% 44,236 992.99% Unsecured loans 16 4,229 0.37% 64 407.69% Gross loan business $ 76,578 $ 60,392,480 0.13% $ 956,405 1248.92% Amount of overdue accounts Balance of accounts receivable Overdue account ratio Allowance for doubtful accounts Coverage ratio Credit card services $ 319 $ 163,254 0.20% $ 1,593 499.22% Without recourse factoring (Note 7) $ - $ 1,118,217 - $ 16,773 -