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22200011888

中國信託商業銀行股份有限公司

地址：臺北市南港區經貿二路166、168、170、186、188號

電話：(02) 3327-7777

網址：http://www.ctbcbank.com

發言人

姓名：邱雅玲

職稱：資深副總經理

電話：(02) 3327-7777

電子信箱：yaling.chiu@ctbcbank.com

代理發言人

姓名：高人傑

職稱：執行副總經理

電話：(02) 3327-7777

電子信箱：roger.kao@ctbcbank.com

辦理股票過戶機構

名稱：中國信託商業銀行股份有限公司代理部

地址：臺北市中正區重慶南路一段83號5樓

電話：(02) 6636-5566

網址：http://www.ctbcbank.com

最近年度簽證會計師

姓名：陳俊光、吳麟

事務所：安侯建業聯合會計師事務所

地址：臺北市信義區信義路五段7號68樓

電話：(02) 8101-6666

網址：http://www.kpmg.com.tw

封面紙張使用250磅環保風雲紙內頁紙張使用100磅環保輕量書籍紙印刷油墨使用環保大豆油墨

信用評等機構

名稱：中華信用評等股份有限公司

地址：臺北市信義區信義路五段7號49樓

電話：(02) 8722-5800

網址：http://www.taiwanratings.com

名稱：標普全球

地址：香港九龍柯士甸道西路1號環球貿易廣場69樓1室

電話：+852-2533-3500

網址：http://www.standardandpoors.com

名稱：澳洲商惠譽國際信用評等股份有限公司臺灣分公司

地址：臺北市敦化北路205號13樓1306室

電話：(02) 8175-7600

網址：

名稱：穆迪亞太有限公司

地址：香港金鐘道88號太古廣場一座24樓

電話：+852-3758-1300

網址：http://www.moodys.com

海外有價證券掛牌買賣之交易場所

總行及國內外分支機構之地址及電話請參考第161至166頁

………………………………………………………………………………... 2 ……………………………………………………………………………………... 5

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…………... 13 ………………………………………………………………………... 42

…………………………………………………………………………... 87 107

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( ) ……………………………………………..…… 93 …………………………………………………………………... 99

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107 ………………………………………….. 129 107 ……………………………….. 129 107 ………………………………..…………… 129

107 108 4 26……………………………………………………………............... 129

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………………………………………………………………... 131 …………………………………………………………………………………... 131

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……………………………………………………………………………... 132 ………………………………………………………………………... 151

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10.32% 106 2% 3%100% 106 5%

Line Pay Line Pay 106107

107 22% 106LH Financial Group Public Company Limited

107 Home Bank APP

ATM 107ATM

107 11

IDC International Data Corporation Financial Insights Innovation Awards Best Bank in Asia Brand Finance

500 FinanceAsiaBest Bank in Taiwan The Asset

Global Finance

Euromoney ( ) The Asian Banker

NPL Ratio Coverage Ratio 0.43% 296%BIS Ratio 14.12%

A2 Prime-1 107.11.23

A A-1 107.10.15

A F1 107.09.17

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107 12 313.96

We are family

(Trusted Brand)

-- - - -

(International Data Corporation) (Best Bank in Asia)

(Global Finance) (Best in Social Media Marketing and Services)

(Best Trade Finance Bank in Taiwan) (Best Sub-Custodian Bank in Taiwan)

(Best Foreign Exchange Provider in Taiwan)

(Euromoney) (Best Private Banking Services Overall) (Best Net-worth-specific services in Taiwan)

(Best Asset Management in Taiwan) (Best Commercial Banking Capabilities in Taiwan)

(Best Research and Asset Allocation Advice in Taiwan) (Best Family Office Services in Taiwan)

(Best Philanthropic Advice in Taiwan) (Best SRI/Social Impact Investing in Taiwan) (Best Succession Planning Advice and Trusts in Taiwan)

(Best International Clients in Taiwan) (Best Technology in Taiwan)

(The Asset) (Best Private Bank in Taiwan)

(Best Trade Finance Bank in Taiwan) (Best Domestic Custodian in Taiwan)

(Best Retail Online Banking Experience, Taiwan) (Best Retail Social-Media Banking Experience, Taiwan)

(Most Retail Mobile Banking Experience, Taiwan) ATM (Most Innovative ATM Project “FX Machine”, Taiwan)

(Best Commodities Derivatives House , Taiwan) (Best Derivatives House of the Year, Taiwan)

(Best Structured Products House, Taiwan) - (Best Structured Investment Product Award –

Commodities, Taiwan) (Highly Commended Best FX

Derivatives House, Taiwan) - (Highly Commended Best Rates

Derivatives House, Taiwan) (Best Debt Adviser in Taiwan) (Best Loan Adviser in Taiwan)

(Best Acquisition Financing in Taiwan) (Best Bank Capital in Taiwan)

(Best Bond / Best Sovereign Bond(Ministry of Finance, People’s

Republic of China US$3 billion bonds - role of Bookrunner and lead manager) (Best LBO(Belle International Holding HK$30 billion senior

syndicated term loan facility, role of Arranger))

(The Asian Banker) (Achievement in Credit Risk Management Award, Asia Pacific)

(Best Retail Bank in Taiwan) (Best Frictionless Robo Advisory Service in Taiwan) (Best Cash Management Bank in Taiwan)

(Best Sub-Custodian Bank in Taiwan) (Best Transaction Bank in Taiwan)

(Best Corporate Trade Finance Deal in Taiwan)

(Private Banker International) - (Best Customer Experience – Website, Asia Pacific)

(Best Use of Data and Analytics, Asia Pacific) (Most Effective Wealth Management Platform in Greater China)

(Highly Commended: Best Private Bank in Taiwan)

(Retail Banker International) (Best Mortgage Offering, Asia Pacific)

ATM (Best ATM Innovation, Asia Pacific) (Highly Commended: Excellence in Loan Origination, Asia Pacific)

(Highly Commended: Excellence in

Social Media- Customer Relations and Brand Engagement, Asia Pacific)

(Global Business Outlook) (Best Private Bank Taiwan 2018)

(Asiamoney) (Best Private Bank in Taiwan)

(FinanceAsia) (Best Bank in Taiwan)

(Best Private Bank in Taiwan)

(The Banker) 151 (#151 of Top 1000 World Banks 2018)

(Brand Finance) 500 181 (#181 of Top 500 Banking Brands 2018)

(World Branding Forum) 2018-2019 (Brand of the Year- National Tier)

(IFR Asia) (Taiwan Loan House)

(Asian Private Banker) - (Excellence Private Bank - Taiwan Domestic)

(Asian Banker & Finance) (Domestic Foreign Exchange Bank of The Year – Taiwan)

(Debt Deal of the Year, Taiwan)

(Mandatory Provident Fund Schemes Authority) (Good MPF Employer Award)

(Support for MPF Management Award)

(Family Council of Hong Kong Government) (Special Mention)

(Family-Friendly Employers) (Awards for Breastfeeding Support)

(HR Asia Magazine) (HR Asia Best Companies to work for in Asia 2018 Awards- Taiwan edition)

( )108 4 26

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107 106 $1,035,848 20.32%

(Stock appreciation rights)

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107/5/24 4 27

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2. 3. 108 4. 108 5. 108 6.

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107.4.12 107.4.12

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107.9.12 107.9.12

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107.9.12 107.9.12 -TCFD

107.9.12 107.9.12

107.4.12 107.4.12

107.8.22 107.8.22

107.9.12 107.9.12 -TCFD

107.9.12 107.9.12

107.4.12 107.4.12

107.8.22 107.8.22

107.9.12 107.9.12 -TCFD

107.9.12 107.9.12

107.4.12 107.4.12

107.8.22 107.8.22

107.9.12 107.9.12 -TCFD

107.9.12 107.9.12

107.4.12 107.4.12

107.8.22 107.8.22

107.9.12 107.9.12 -TCFD

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107.9.12 107.9.12 -TCFD

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107.9.12 107.9.12 ( )

( ) ( )

- ( ) 10,000,000 5,000,000

44,000,000 54,000,000

_ 32,000,000 _ 5,244,088

2,500,000 _ 14,953,767

450,000 150,000

_107 7,773,349

HR Asia Magazine -

Environmental, Social and Governance, ESG

( ) 96

( ) 100

3/21 4,400

4/27 3,200

( ) 95

3.0% 17.1%

106 151 ISO 50001 ISO 14001

ISO 14064-1107

ISO 14064-1 ISO 14001 ISO 50001175ISO

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Leadership A- 106 107

( ) 1. ISO 50001 ISO 14001

( ) ( )

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107 3 20

107/4/27 16 25

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107 4 26

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(CTBCBank (Philippines) Corp.)( )(PT Bank

CTBC Indonesia)(The Tokyo Star Bank, Limited) LH Bank(Land and House Bank Public company Limited)

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106 (3) 107 3 21 16 23

(4) 107 4 27 16 25 106 106 ( ) 228

8 (5) 107 5 25 16 27

106 106

(6) 107 6 21 16 28

(7) 107 7 27 16 29

(8) 107 8 29 16 30

(9) 107 9 27 16 32

(10) 107 10 31 16 33

(11) 107 11 12 16 35

(12) 107 11 23 16 36 AZ Star

AZ-Star 3 30

12 2018

(13) 107 12 21 16 37

LINE Financial Taiwan Limited (LINE) LINE Bank 100

5% ( ) (Joint Venture Agreement)

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(15) 108 2 27 16 39 107

(16) 108 3 21 16 40

(17) 108 4 26 16 41 107 ( ) 228

3,413,035,530

341,303,553

CTBC Bank (Philippines) Corp. 30

CTBC Bank (Philippines) Corp.

( )107

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( ) 1.

106 3 28

2. 106 3 28

( ) ( ) ( ) ( )

: 107 12 31

( ) 2 760 3.83% - - 760 3.83%

( ) 2 6,800 5.00% - - 6,800 5.00%

CTBC Bank (Philippines) Corp. 1 246,496 99.60% - - 246,496 99.60%

PT Bank CTBC Indonesia 1 1 99.00% - - 1 99.00%

( ) 2 4,009 1.20% - - 4,009 1.20%

( ) 2 125 5.00% - - 125 5.00%

( ) 2 17,813 3.41% - - 17,813 3.41%

( ) 2 45,000 3.06% - - 45,000 3.06%

CTBC Bank Corp. (Canada) 1 2,746 100.00% - - 2,746 100.00%

( ) 2 64 5.00% - - 64 5.00%

CTBC Capital Corp. 1 6 100.00% - - 6 100.00%

( ) 2 2,299 2.21% - - 2,299 2.21%

( ) 2 450 3.33% - - 450 3.33%

( ) 2 10,513 2.63% - - 10,513 2.63%

( ) 2 24,000 2.27% - - 24,000 2.27%

( ) 2 5,000 2.94% - - 5,000 2.94%

( ) 2 2,151 0.58% - - 2,151 0.58%

( ) 1 114,399 21.15% 15 0.003% 114,413 21.16%

( ) 2 423 7.05% - - 423 7.05%

CTBC Bank Corp. (USA) - - 3 100

100.00% - -

The Tokyo Star Bank, Limited. 1 700 100.00% - - 700 100.00%

Tokyo Star Business Finance, Ltd. - - 1,936 100.00% - -

TSB Servicer, Ltd. - - 0.4 100.00% - - AZ-Star Co., Ltd. - - 0.2 40.00% - - AZ-Star1 - - 3 43.98% - - AZ-Star3 - - 3 29.35% - - LH Financial Group Public Company Limited 1 7,544,961 35.62% - - 7,544,961 35.62%

1 - 34.00% - - - 34.00%

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108 4 26

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1,218,049,111 1.

2. 108 3 31

1,218,049,111 3. 781,950,889

1,218,049,111

( ) 1.

(1) A.

(Financial Hub)

( ) ()

(1) A. B.

107 106

50,536 52.99% 46,390 49.52% 42,499 44.56% 41,335 44.12% 2,342 2.45% 5,958 6.36%

95,377 100.00% 93,683 100.00%

(2) A.

( ) 108 1.

(3) (4)

(6) (7)

108 (1)

(2) A. B. C.

(4) ( ) ( )

(5) ( )

1. ( ) ( ) (1)

(Financial Hub)

(1) A.

107108 GDP

(2) A.

125 65 3

107 32 19

(2)(3)

109 52%

( ) ()

14 Euromoney 12 The Asian Banker IDC (International Data Corporation)

RBI (Retail Banker International) ATM

152 5,800 ATM

(1) A.

c. d. (Asia-link)

A. a. (Dodd Frank

Act) (MiFID II)(AML) (KYC)

(CRS) b. III(Basel III)

(KYC) (AML)

(Financial Hub)

1. 105

106 7360

2. 106 1

5. 107 11

( ) 1.

(1) A.

A. Digital 4UGO

1 B. 152

C. Apple Pay Google Pay Samsung Pay

NFC LINE Pay

D. APP (Design Thinking)107 4 APP Home Bank

(1) A. (Financial Hub)

B. C. D.

1. ( ) 108 2.

(1) A.

(Financial Hub) C.

b. (2)

A. B. C. D. E.

( ) 106 107

107 2.5% 106 3.1%107

1.375% 107

(Foreign Direct Investment)(Cross Selling)

106.12.31 107.12.31 108.4.26 11,232 11,536 11,525 38.1 38.3 38.5

9.5 9.6 9.7

19 0.2% 17 0.1% 21 0.2% 2,523 22.5% 2,576 22.4% 2,569 22.3% 7,950 70.8% 8,160 70.8% 8,141 70.6% 691 6.1% 743 6.4% 753 6.5%

49 0.4% 40 0.3% 41 0.4%

3,486 2,652

2,072 106 5,892

4,270 3,520

2,637 2,080 114 6,258

4,248 3,500

2,638 2,080 113 6,224

(2) E-learning

2. (1)

Executive Program Leadership Development Program Master Forum

107 1,621 32,656 880176,825 574,555

96 CSR Report 101ISO 50001 105

106 Sustainable Development Goals 107 GRI Standards

107 Dow Jones Sustainability Indices

Emerging Markets Index Morgan Stanley Capital International ESG ESG Leaders Indexes

FTSE4Good Emerging Index CDPLeadership A- 2018

Interbrand 2018Best Taiwan Global Brands 2018

97 10512 3

Environmental, Social, Governance

26106 Social Return On Investment

SROI1 4.26

Muhammad Yunus

100 275107

44 5 3

107SROI 1 17.59

Social Value International SROI

Drug Enforcement Administration Educational Foundation

20106 107

107CSR

104100%

2,30015

107 ISO 45001 2018

We are family

Green Policy, Green Future

9,0008,500 8

107CiP

108 1 94

101 CDP106 151 ISO

50001 ISO 14001 ISO 14064-1107 ISO 50001 ISO 14001 ISO14064-1

ISO 14064-1

107 205

We are family

106 107 (%)

( ) 8,885 9,100 2.42% ( ) 1,763 1,800 2.10%

IBM Unix WindowsVMware

107 1. AI

ISO 27001 BS 10012

1. We are family

We are family (2) 92 7 1

10 (4)

We are family

(2) (3)

108 2 20 1080048339 55

( ) 450,000 10,994,800 4,932,000

101 105

( ) 0 9,561,974

108 4 26

95.5.16

95.6.12145.6.11

4545-1 43 43-19,284

96.6.29

—(PCM)

96.12.1

99.6.25 102.4.25(

2. ( )

45 45-1 4343-1

30F20F 14F

101.9.4

107.4.27

107.12.24

101.9.499 100

3,461.4742

40 107.4.27

99 100

(483.55 )

3,455.4111

86 107.12.24

104.7.23

13-1 13-7

11,622.589,054

(Green Heaven Investments Limited (BVI))

104.11.06

1962.77

99.12.22

106.9.1 111.12.31

102.5.31

102.09.30 112.12.31 ADSL

106.7.21

106.6.23

1 2 107 108 3 103

1 107 106 105 104 103 ( 3)

214,017,860 246,581,429 218,126,975 321,424,371 254,886,682

144,999,930 99,461,184 146,617,110 124,547,390 90,040,166

186,348,230 - - - -

581,713,332 - - - - - - 140,560,022 494,842,037 312,512,862 333,186,365

34,212 137,010 416,342 107,526 1,499,486 1,481,876 - 237,500 - -

- 152,998,614 116,935,669 101,211,950 143,388,899 171,345,857 818,382 421,834 585,558 745,401 824,156

- - - - - 6,323,343 - 1,713,497,284 1,568,002,853 1,473,721,273 1,464,931,962 1,316,825,892

- - 641,595,770 123,726,621 147,083,203 69,019,592 - 89,167,115 81,529,265 71,833,935 69,957,541 64,495,963

- 2,274,636 2,996,034 2,298,431 1,991,949 3,873,186 - 1,841,957 2,207,123 4,450,140 - -

- 45,569,994 44,110,239 43,254,831 46,698,500 40,540,604 - 12,919,547 12,491,323 12,186,943 11,957,294 11,814,400

- 4,555,917 4,211,654 3,668,855 3,723,927 3,618,237 - 18,562,228 11,546,566 16,930,311 32,879,272 22,582,635 3,170,801,114 2,972,787,975 2,714,108,812 2,681,950,097 2,390,876,564

71,980,131 62,448,335 57,493,505 42,904,206 43,243,324 82,434,630 59,124,552 81,734,496 120,100,457 84,348,136

184,195 16,865 303,599 441,428 916,322 60,659,817 53,163,109 39,200,341 43,680,448 60,230,776

71,319,250 63,969,796 60,403,625 52,212,035 58,297,857 1,870,430 2,038,009 2,158,961 2,360,240 2,259,007

2,498,022,245 2,357,738,017 2,131,457,229 2,090,194,336 1,826,516,686 59,396,547 68,698,585 68,201,275 76,847,343 91,959,233

13,837,167 11,405,536 9,971,469 9,644,462 13,568,429 4,859,082 5,041,394 5,393,559 5,581,857 5,051,093

1,087,641 858,112 369,704 302,870 358,091 9,411,106 8,653,026 4,406,997 4,269,489 4,797,698

2,875,062,241 2,693,155,336 2,461,094,760 2,448,539,171 2,191,546,652 2 2,710,617,388 2,461,094,760 2,448,539,171 2,194,160,380

140,685,719 140,685,719 131,125,735 105,729,279 91,092,775 2 140,685,719 140,685,719 129,821,387 105,205,779

29,788,688 29,788,688 29,788,688 28,093,036 26,182,059

133,019,685 120,055,826 99,477,940 100,455,120 83,186,522 2 102,593,774 89,917,956 76,363,012 69,073,518

- - - - 2,717,296 - - - - 103,568

(7,755,219) (10,897,594) (7,378,311) (866,509) (3,848,740) 295,738,873 279,632,639 253,014,052 233,410,926 199,329,912

2 262,170,587 253,014,052 233,410,926 196,716,184

1 2 107 108

( 1) 107 106

340,439,568 370,430,407 163,460,604 140,189,002

253,666,127 - 595,630,666 -

- - 214,952,284 34,212 137,010

1,481,876 - - 163,682,849 121,046,639

912,682 510,424 - 2,313,708,156 2,142,676,154

- - 643,909,213 - 19,536,750 17,873,392

- 2,316,623 17,861,460 - 47,996,997 46,612,395

1,841,957 2,207,123 - 15,813,711 14,867,190

- 6,968,418 6,907,914 - 32,086,622 21,317,913 3,959,577,818 3,761,498,520

74,498,692 74,874,783 93,273,214 67,430,644

184,195 16,865 60,957,626 62,742,896

75,980,415 69,278,998 2,296,295 2,736,000

3,156,766,975 2,981,845,216 62,610,175 73,614,319

119,911,411 132,761,156 5,514,991 5,621,352

1,099,178 858,112 10,669,761 10,008,060

3,663,762,928 3,481,788,401 2 3,499,250,453

140,685,719 140,685,719 2 140,685,719

29,788,688 29,788,688

133,019,685 120,055,826 2 102,593,774

(7,755,219) (10,897,594) 76,017 77,480

295,814,890 279,710,119 2 262,248,067

( ) 1.

107 106 105 104 103 ( 2) 58,744,203 49,363,379 45,743,468 45,969,852 45,545,812

(21,833,097) (16,086,963) (14,613,255) (17,475,356) (17,503,911) 36,911,106 33,276,416 31,130,213 28,494,496 28,041,901

42,418,024 44,620,307 39,616,795 49,632,276 53,083,239 79,329,130 77,896,723 70,747,008 78,126,772 81,125,140

(4,009,560) (2,616,224) (5,169,132) (1,836,770) (3,342,271) (41,293,173) (41,192,857) (38,647,410) (38,540,275) (37,105,531)

34,026,397 34,087,642 26,930,466 37,749,727 40,677,338 (4,346,321) (4,066,191) (3,838,302) (3,509,459) (3,809,190)

29,680,076 30,021,451 23,092,164 34,240,268 36,868,148 ( ) 3,072,010 (3,402,866) (6,489,038) 2,454,474 508,457

32,752,086 26,618,585 16,603,126 36,694,742 37,376,605 2.11 2.13 1.66 2.64 3.58

1 2 103

107 106

78,042,305 67,347,690 (25,248,942) (19,174,308)

52,793,363 48,173,382 42,583,415 45,509,812

95,376,778 93,683,194 (4,740,162) (2,480,381)

(54,905,097) (54,554,422) 35,731,519 36,648,391

( ) (6,048,906) (6,625,232) 29,682,613 30,023,159

( ) 3,068,938 (3,409,887) 32,751,551 26,613,272

29,680,076 30,021,451 2,537 1,708

32,752,086 26,618,585 (535) (5,313)

2.11 2.13

103 ( 1) 104 ( 2) 105 ( 3) 106 ( 3) 107 ( 3)

1 ( ) 2 ( )

IFRS( )

( ) 1.

( 1) 107 106 105 104 103

(%) 69.73 67.46 70.20 71.08 73.15 (%) 0.22 0.21 0.33 0.29 0.23

(%) 0.71 0.55 0.55 0.71 0.77 (%) 2.43 2.30 2.27 2.34 2.37

( ) 0.03 0.03 0.03 0.03 0.04 6,876.66 6,935.25 6,396.66 7,296.11 7,736.52 2,572.82 2,672.85 2,087.90 3,197.63 3,515.94

(%) 13.10 13.85 11.97 19.11 26.41 (%) 0.97 1.06 0.86 1.35 1.65 (%) 10.32 11.27 9.49 15.82 21.16

(%) 37.41 38.54 32.64 43.83 45.45

( )( ) 2.11 2.13 1.78 3.24 4.13 3 2.13 1.66 2.64 3.58

(%)( 2) 90.63 90.56 90.64 91.62 91.62

(%) 15.41 15.77 17.1 20.01 20.34

(%) 6.66 9.53 1.20 12.17 14.87 (%) (0.18) 26.58 (28.66) (7.20) 89.27

(%) 4 5.65 4 28.27 10.59 (%) 12.16 149.87 183.76 242.68 255.49

(%) 4 187.66 4 3,162.08 61.37 (%) 32.52 37.14 35.44 23.52 24.90

17,803,761 16,699,982 15,927,941 17,323,078 14,541,246

(%) 0.97 1.00 1.01 1.09 0.99

(%) 4.94 4.81 4.56 4.63 4.29 (%) 6.95 6.97 6.58 6.41 5.92 (%) 5.94 5.78 5.44 5.56 5.18 (%) 5.50 5.31 5.19 5.28 4.88

( 20%) 1. 107 2. 3. 4.

2 3 107 108 4 107 105 5

1. (1) (2) (3) (4) (5) / (6) (7)

2. (1) = (2) (3) (4) (5) ( )

3. (1) (2)

4. (1) =( ) (2) =( )

5. (1) (

) (2) ( ) (3)

(1) (2) (3) (4)

( 1) ( 4)

107 106

(%) 74.42 72.81

(%) 0.43 0.41

(%) 0.68 0.53 (%) 2.60 2.48

( ) 0.02 0.03 6,408.01 6,444.47

1,994.26 2,065.29

(%) 12.19 13.26

(%) 0.77 0.82 (%) 10.32 11.27

(%) 31.12 32.05

( ) 2.11 2.13

(%) 92.49 92.53

(%) 16.23 16.66

(%) 5.27 6.78

(%) (2.50) 26.69

(%) 8.88 4.43

(%) 269.19 365.32

(%) 117.12 95.25 (%) 2 2

2 2 (%) 2 2

(%) 3 3 (%) 3 3 (%) 3 3 (%) 3 3

( ) 1.

1 BASEL III 2

(1) (2) ×12.5 (3) (4) ( + )

(5) (6) = /

1 107 106 105 104 103

258,624,013 246,406,658 222,127,149 199,809,939 167,593,653

4,693,956 9,777,710 13,830,799 14,296,725 13,287,861

- - 4,988,705 6,184,313 16,137,063

263,317,969 256,184,368 240,946,653 220,290,977 197,018,577

1,511,649,249 1,373,656,169 1,418,213,675 1,438,673,407 1,278,692,943

- - - - -

127,174 - - - 943,108

- - - - -

/ 123,817,050 120,149,613 115,253,825 104,133,769 90,387,379

- - - - -

101,485,474 90,004,715 55,132,053 64,778,153 68,106,949

- - - -

1,737,078,947 1,583,810,497 1,588,599,553 1,607,585,329 1,438,130,379

(%) 15.16 16.18 15.17 13.70 13.70

(%) 15.16 16.18 14.85 13.32 12.58

(%) 14.89 15.56 13.98 12.43 11.65

(%) 7.93 8.13 8.17 7.53 4 20%

1 BASEL III 2

(1) (2) ×12.5 (3) (4) ( + )

(5) (6) = /

4 104 5 103 The Tokyo Star Bank,Ltd. Basel III

1 107 106 105 104 103 ( 5)

272,761,798 259,049,577 235,359,716 211,655,003 180,144,347 26,926,331 27,300,493 31,213,415 31,225,848 28,825,791

31,690,092 31,032,043 42,822,408 43,200,398 56,329,620 331,378,221 317,382,113 309,395,539 286,081,249 265,299,758

2,011,804,287 1,860,029,895 1,906,487,836 1,913,322,309 1,686,451,055 - - - - - 36,343,129 42,196,481 59,766,653 81,350,784 73,148,358

- - - - - / 151,391,754 147,601,288 140,883,092 132,817,691 123,148,154

- - - - -

147,693,705 143,127,258 103,137,164 75,682,237 88,707,956

- - - - - 2,347,232,875 2,192,954,922 2,210,274,745 2,203,173,021 1,971,455,523

(%) ( ) 14.12 14.47 14.00 12.98 13.46 (%) 12.77 13.06 12.06 11.02 10.60 (%) 11.62 11.81 10.65 9.61 9.14

(%) 7.19 7.16 7.06 6.46 4 20%

107 108 4 26

(http://www.ctbcholding.com)

20% 1. 107 IFRS 9 2. 3. 107 4. 5. 6. 7. 8. 9.

107 106 %

214,017,860 246,581,429 (32,563,569) -13.21% 144,999,930 99,461,184 45,538,746 45.79%

186,348,230 - 186,348,230 100.00% 581,713,332 - 581,713,332 100.00%

- - 140,560,022 (140,560,022) -100.00% 34,212 137,010 (102,798) -75.03%

1,481,876 - 1,481,876 100.00% - 152,998,614 116,935,669 36,062,945 30.84%

818,382 421,834 396,548 94.01% - 1,713,497,284 1,568,002,853 145,494,431 9.28%

- - 641,595,770 (641,595,770) -100.00% - 89,167,115 81,529,265 7,637,850 9.37%

- 2,274,636 2,996,034 (721,398) -24.08% - 1,841,957 2,207,123 (365,166) -16.54%

- 45,569,994 44,110,239 1,459,755 3.31% - 12,919,547 12,491,323 428,224 3.43%

- 4,555,917 4,211,654 344,263 8.17% - 18,562,228 11,546,566 7,015,662 60.76% 3,170,801,114 2,972,787,975 198,013,139 6.66%

71,980,131 62,448,335 9,531,796 15.26% 82,434,630 59,124,552 23,310,078 39.43%

184,195 16,865 167,330 992.17% 60,659,817 53,163,109 7,496,708 14.10%

71,319,250 63,969,796 7,349,454 11.49% 1,870,430 2,038,009 (167,579) -8.22%

2,498,022,245 2,357,738,017 140,284,228 5.95% 59,396,547 68,698,585 (9,302,038) -13.54%

13,837,167 11,405,536 2,431,631 21.32% 4,859,082 5,041,394 (182,312) -3.62%

1,087,641 858,112 229,529 26.75% 9,411,106 8,653,026 758,080 8.76% 2,875,062,241 2,693,155,336 181,906,905 6.75%

140,685,719 140,685,719 0 0.00% 29,788,688 29,788,688 0 0.00% 133,019,685 120,055,826 12,963,859 10.80% (7,755,219) (10,897,594) 3,142,375 -28.84%

295,738,873 279,632,639 16,106,234 5.76%

20% 1. 2. 3. ( )

( )107 153 153-1 ( )108

1. (1) 5,207,013 (2) 5,708,642

107 106

% 58,744,203 49,363,379 9,380,824 19%

(21,833,097) (16,086,963) (5,746,134) 36% 36,911,106 33,276,416 3,634,690 11%

42,418,024 44,620,307 (2,202,283) -5% 79,329,130 77,896,723 1,432,407 2%

(4,009,560) (2,616,224) (1,393,336) 53% (41,293,173) (41,192,857) (100,316) 0%

34,026,397 34,087,642 (61,245) 0% (4,346,321) (4,066,191) (280,130) 7%

29,680,076 30,021,451 (341,375) -1% ( ) 3,072,010 (3,402,866) 6,474,876 -190%

32,752,086 26,618,585 6,133,501 23% 2.11 2.13 (0) -1%

80,277,801 5,207,013 (5,708,642) 79,776,172

107 ( )

2. ( )

107 98

103 104 105 106 107 108.03 30,687 21,309 6,291 1,727 697 663

( ) 108.04 1,830 800 832 198 0 0

(4) (Credit Cycle Management)

(1) (2) (3) (4)

6. (1)

(PD) (LGD) (EAD)

…(Masterscale)

(Collateral Recovery Rate)

) () (Credit Conversion Factor)

( ) 107 12 31

(1) A.

(2) A.

(3) (4) (5)

A. B. C. D. E.

A. B. 10% 20%

(1) (2)

(3) ( )

(2) (3)

3. (1)

( ) ( )

(1) A. B. C.

(2) A. B. ; C.

4. (1) (Value at Risk, VaR)

(IMA) (2)

2. (1)

B. C. D.

(2) A. B.

(1) A. (Maximum

Cumulative Outflow, MCO)

B. Liquidity Risk Heat Map

(Match-Term Fund Transfer Pricing)

2. (1)

(1) (Repricing Gap Report)

(2) (Risk Sensitivity)

A. 1bp NII 1bp EVE (1 Basis Point) (Net Interest Income) (Economic Value of Equity) (1bp NII)

(1bp EVE)

B.( ) PVBP

(3) (Stress Test)

(4)( )

4. (1)

1. (1)

107 12 31

673,089,183 385,864

104,100,489 1,669,490 331,203,630 10,005,799

775,909,631 57,962,829 276,449,030 17,049,082

642,545,868 25,683,638 2,782,035 222,563

115,159,531 7,001,151 2,921,239,397 119,980,416

107 12 31

(5)=(1)+(3)

(6)=(2)+(4)

(1) (3)

635,871 - - 635,871 10,174 - - 635,871 10,174

- - - - - - - - - 635,871 - - 635,871 10,174 - - 635,871 10,174

107 12 31

104 70,000,174

105 70,778,843 106 75,317,266

216,096,283 9,905,364

107 12 31

4,506,498 3,056,023

548,895 7,421

- 8,118,837

2. (1) —

% 107 12 31

696,427 242,822,450 0.29% 13,110,829 431.04%

( 1 0 ) 2,345,263 739,755,307 0.32%

213,956 562,983,122 0.04% 6,571,178 3,071.28% 7,558 1,016,579 0.74% 67,080 887.54%

569,823 104,714,120 0.54% 3,634,425 637.82% - 121 -% 1 -%

13,088 86,565,700 0.02%

665,342 5,028.66% 143 367,665 0.04%

3,846,258 1,738,225,064 0.22% 24,048,855 625.25%

95,546 84,364,387 0.11% 1,166,342 1,220.71% - 21,578,332 -% 782,315 -%

94 07 06 ( ) 0944000378

2. = / = / 3. = /

= / 4. (

) 5. 94 12 19 ( ) 09440010950

7. 94 07 19 ( ) 094000494

107.12.31

( 1) 47,964 147,558

( 2) 687,286 65,706

735,250 213,264

1 95 04 25 ( ) 09510001270

2 97 09 15 09700318940

(2) —

107 12 31

S&P Moody’s CTBC Internal Rating

AA or better Aa2 or better 1 7.82% AA- to A Aa3 to A2 2 13.22% A- A3 3 8.41% BBB+ to BBB Baa1 to Baa2 4 6.08% BBB- Baa3 5 9.79% BB+ Ba1 6 7.77% BB Ba2 7 10.68% BB*- Ba2*- 8 12.05% BB- Ba3 9 10.20% B+ B1 10 5.56% B B2 11 2.46% B- B3 12 0.90% CCC+to C Caa1 to Ca 13 4.24%

14 0.05% /

15 0.60% 1-90 31-90

16 0.17% >90 >90

100.00% 1. OBU DBU 2. CTBC Internal Rating

(3) —

107 12 31

4.19% 20.90% 14.45%

21.08% 13.93%

17.32% 8.13% 100.00%

(4) —

107 12 31

67.02%

10.04% 12.47%

0.12% - 10.30% - 0.04% 100.00%

107 12 31

0 10 11 30 31 90 91 180 181 1 1

2,557,873 248,314 296,793 307,580 255,910 210,780 1,238,496

2,763,035 180,384 221,406 393,227 376,084 560,924 1,031,010

(205,162) 67,930 75,387 (85,647) (120,174) (350,144) 207,486

107 12 31

0 30 31 90 91 180 181 1 1 80,994,096 36,784,299 16,831,419 9,139,587 8,206,772 10,032,019

90,740,142 42,156,848 17,389,195 10,360,006 11,116,285 9,717,808

(9,746,046) (5,372,549) (557,776) (1,220,419) (2,909,513) 314,211

107 12 31

0 30 31 90 91 180 181 1 1 43,234,202 21,069,414 8,593,275 3,675,000 5,477,297 4,419,216

48,283,524 28,958,046 6,669,412 3,792,088 5,994,029 2,869,949

(5,049,322) (7,888,632) 1,923,863 (117,088) (516,732) 1,549,267

107 12 31

MBS-RMBS

626,392 7,180 0 633,572

1 (1) (MBS)

(RMBS) (CMBS)(CMO)

(2) ABS(CLO) (CBO)

(3) (ABCP) (4) (CDO) (5) (REAT) (6) (SIV) (7)

107 12 31

G2 MA5529

USD Government National Mortgage Association/ USA

2018/10/18~ 2018/10/18

2048/10/20 4.50% AAA

313,190 3,294 0 316,484 n.a. Mortgage

G2 MA5596

USD Government National Mortgage Association/ USA

2018/11/08~2018/11/08

2048/11/20 4.50% AAA

313,202 3,886 0 317,088 n.a. Mortgage

1 2 3 4 (attachment point)

(CDO)A A BBB BBB12% A 12%

(3) (4)

6 ( 107 9 30 )

107 9 25

3. (APG)

( ) We are family

( ) 1% 100%

( ) 108 4 26

( 1)( 2)

- 96 2 15

98 12 24

107 912

907,607,204

97 1 22 (97 8 13

104 3 2766,834,064

(Lehman Brothers Treasury Co. B.V.

(Lehman Brothers Holdings Inc.LBHI) 22

LBHI LBT1. 2.

515,776,372.89( 3)

1. 97 9 15(LBHI)

2. 97 10 8(LBT)

1. LBHI( ) 2. LBT( )

1. LBHI (1)

( 22 )

(2) (3)LBHI

(4) 100 11

(5) 100 12 6LBHI

(6) 101-104

4 10 105 46 10 106 4 10 12

107 4 10 1084

28.55% 2. LBT

(1) (2)LBT LBHI

(3)LBT

101 2 3

(4)LBT 101 12 10

(5)101 12 10

(102 1 25)

102 3 7

102 3 22

(6)102 5 10 103

4 10 104 410 105 4 7 11106 5 10 107 1 510

(40.42%)

(7) 108 124

Qualified Noteholders

Eligible Notes

(108 311 )

- 97 7 498 10 8

105 10

107 10 9

( 1) - 106 1 12

107 1 4

106 1 12

107 10 11

107 9 12 3 22 515,667,102.07 XS0365192078

109,270.82

97 102 104( )

104 11 104

2. 107 12 31

( ) ( )

PHP 2,479,687 0.5844

TWD 1,449,129 31,776,690 27,473,177 4,303,513 1,364,102 136,337 0.55

PT Bank CTBC Indonesia

IDR 150,000,000 0.0021108

TWD316,620 31,417,512 25,537,209 5,880,303 1,243,877 199,061 132,707.30

CTBC Bank Corp.(Canada)

CAD 37,000 22.589

TWD835,793 9,678,232 8,189,293 1,488,939 331,984 103,995 37.88

CTBC Capital Corp.

USD 6.43028 30.733

TWD198 106,114,631 90,640,191 15,474,440 3,783,015 1,181,598 183,755.24

CTBC Bank Corp. (USA)

USD 771.108 30.733

TWD23,698 106,116,570 91,402,180 14,714,390 3,768,283 1,175,565 429,279.51

The Tokyo Star Bank, Ltd.

JPY 26,000,000 0.2783

TWD7,235,800 697,982,802 655,394,650 42,588,152 13,401,318 2,471,868 3,531.24

TSB Servicer, Ltd.

JPY 500,000 0.2783

TWD139,150 582,909 14,856 568,053 53,056 173,638 36,699 91,748.54

Tokyo Star Business Finance Ltd.

JPY 500,000 0.2783

TWD139,150 3,683,848 480,669 3,203,179 78,967 501,194 47,171 24.36

107 12 31

( ) (%)

CTBC Capital Corp.

6 100% / Noor Menai

Joseph H.Tseng

CTBC Bank Corp. (USA)

/ Noor Menai

Terrence J. Grasmick

William Walbrecher

Joseph H.Tseng

Lisa Colacurcio

( ) (%)

2,746 100%

/ Noor Menai

Anthony Barke

William Neilson( 1) Leigh L.C. Pan

Yin-Lun Wu

CTBC Bank(Philippines) Corp.

246,496 99.6%

William B. Go / ( 2)

Edwin B. Villanueva Ng Meng Tam

1 99.00%

Imbang Jaya Mangkuto

Zairyanto Poedjiaty

700 100%

/ (Seiji Sato)

(Shinji Sakai)

( 5) (Masamichi Yokoi)

TSB Servicer, Ltd.

/ (Kazuhiro Nakamura)

0.4 100%

(Takayuki Fukuda)

(Toshiyuki Sakurai)

(Sadanori Kutsuna)

(Morio Hashiya)

(Chika Kobayashi)

(Ken Jinguji)

( ) (%)

Tokyo Star Business Finance, Ltd. ("TSBF")

/ (Kotaro Saruwatari)

1,936 100%

(Osamu Kanamori)

(Junichi Muramatsu)

(Kazuhisa Ozaki)

(Jiro Narukawa)

(Morio Hashiya)

(Chika Kobayashi)

(Ken Jinguji)

1 108.4.26 Clive Schindler CTBC Bank Corp.(Canada)108.4.26 CTBC Bank Corp.(Canada) 108

2 108.1.25 CTBC Bank Philippines Corp.108.3.18

3 108.2.27 PT Bank CTBC Indonesia

Mr. Iwan Satawidinata 4 The Tokyo Star Bank, Limited 107.12.10 108.4.26

The Tokyo Star Bank, Limited 108.4.26The Tokyo Star Bank, Limited 108

5 108.4.26 The Tokyo Star Bank, Limited

108.4.26 The Tokyo Star Bank, Limited 108

4.107 12 31

CTBC Bank (Philippines) Corp. 84.9.7

16th to 19th Floors, Fort Legend Towers, 31st Street Corner 3rd Avenue, Bonifacio Global City, Taguig City , Philippines

PHP 2,479,6870.5844

TWD 1,449,129

PT Bank CTBC Indonesia 85.10.15

Tamara Center, 15th-17th F1., JI Jenderal SudirmanKev. 24 Jakarta 12920Indonesia

IDR 150,000,0000.0021108

TWD316,620

CTBC Bank Corp.(Canada) 87.11.12

1518 West Broadway, Vancouver, B.C., Canada, V6J 1W8

CAD 37,00022.589

TWD835,793

CTBC Capital Corp. 78.2.27801 S. Figueroa Street,Suite 2300, Los Angeles,CA 90017, USA

USD 6.4302830.733

TWD198

CTBC Bank Corp. (USA) 84.2.27

801 S. Figueroa Street,Suite2300 LosAngeles, CA 90017, USA

USD 771.10830.733

TWD23,698

The Tokyo Star Bank, Ltd. 90.6.11 2-3-5 Akasaka, Minato-Ku,

Tokyo, 107-8480,Japan

JPY 26,000,0000.2783

TWD7,235,800

TSB Servicer, Ltd. 86.1.17 2-2-17,Akasaka,Minato,Tokyo

JPY 500,0000.2783

TWD139,150

Tokyo Star Business Finance ,Ltd. 99.9.10

2-7-1, NishiShin uku,Shin u ku,Tokyo

JPY 500,0000.2783

TWD139,150

14,068,571,872 100%

107.05.25

$ 16 - 100%

106.9.28 21

107.05.25

185 185 26 ( )

92.05.28~ 106.11.17

107.10.05

26 26 - 107.08.10 27

168 4 12 19

20 21 26 27 2829

107/1/1-108/12/31

$ 17,789

$ 4,642

168 5 25

107/6/22-108/12/31 595 283

168 26

107/6/22-108/12/31 1,057 503

168 19 26

107/10/1-108/12/31 69 69

107/1/1-108/12/31 538 144

107/6/22-108/12/31 76 36 107/10/1-108/12/31 9 9

107.12.31

( ) $ 17,594,183 148,137 0~0.22% 73

(2) 107 ( ) $ 25,069

107.12.31 ( ) $ 2,402

107 ( ) $ 1,708

107 108 4 26

107 108 4 26 ( )

(110) 168 1 (02)3327-1688 (100) 83 1 (02)2381-8740 (100) 102 1 (02)3365-1988 (100) 213 1 (02)2395-8000 (100) 55 1 (02)2341-3000 (100) 4 1 (02)2311-3598 (103) 17 1 (02)2556-2088 (103) 104 1 1 (02)2557-2919 (104) 106 2 1 (02)2523-5222 (104) 58 1 (02)2564-1818 (104) 51 1 (02)2509-3656 (104) 218 1 (02)2562-3789 (104) 16 1 (02)2523-2238 (104) 88 1 (02)2567-7377 (104) 65 1 (02)2515-8811 (104) 638 1 (02)8502-6002 (104) 26 1 (02)2778-5881 (105) 85 1 (02)2767-2669 (105) 161 (02)2717-7100 (105) 363 1 (02)8770-5566 (105) 122 1 (02)2713-3322 (105) 165 1 (02)2760-2766 (106) 341 1 (02)2775-4600 (106) 251 1 (02)2777-1988 (106) 195 1 (02)2738-6171 (106) 298 1 (02)2771-6000 (106) 71 1 (02)2752-0310 (106) 236 1 (02)2707-9977 (106) 68 1 (02)2325-3616 (106) 311 1 (02)2362-3377 (108) 92 1 (02)2389-8188 (110) 9 1 (02)2722-1668 (110) 18 1 (02)2761-7999 (110) 550 1 (02)2346-6711 (111) 90 1 (02)2832-2888

(111) 150 1 (02)2882-7979 (111) 10 1 (02)2876-6100 (111) 307 1 (02)2883-9900 (112) 217 1 (02)2898-3039 (112) 46 1 (02)2821-3366 (114) 358 1 (02)2793-8668 (114) 460 1 (02)2631-2288 (114) 514 (02)2798-5600 (114) 161 1 (02)8791-1686 (114) 244 1 (02)2799-9588 (116) 248 1 (02)2933-5358 (116) 405 (02)2932-9838 (116) 69 1 (02)2937-5890 (201) 150 1 (02)2422-1166 (220) 293 1 1 (02)8961-1500 (220) 187 1 (02)2960-6600 (220) 8 1 (02)2257-8999 (220) 290 1 (02)2963-4567 (220) 88 1 (02)2961-9666 (220) 409 (02)2955-0666 (221) 210 (02)2648-9699 (231) 6 1 (02)2912-9988 (231) 25 1 (02)2913-5000 (231) 31 1 (02)2912-3366 (234) 215 1 (02)8923-5008 (234) 588 1 (02)2923-3333 (234) 65 1 (02)2949-8838 (235) 261 1 (02)2245-2277 (235) 726 1 (02)8226-1288 (236) 304 1 (02)2263-0888 (236) 16 1 (02)2260-1177 (237) 113 (02)2672-4088 (238) 122 1 (02)2681-2345 (241) 119 1 (02)2286-3286 (241) 208 1 (02)2982-8121 (241) 42 1 1 (02)8972-6189 (241) 66 1 (02)8988-1199 (241) 70 1 1 (02)2995-9876 (242) 320 1 (02)2992-9696 (242) 879 15 1 (02)2906-6888 (242) 57 1 (02)2277-6789

(242) 179 1 (02)2206-8887 (242) 333 (02)8991-6999 (244) 677 1 (02)2601-9397 (247) 211 1 (02)2848-2008 (247) 135 1 (02)2283-9300 (247) 355 1 (02)2288-1999 (251) 123 1 (02)8631-8822 (260) 271 1 (03)935-1122 (265) 232 1 (03)957-4320 (300) 158 1 (03)522-2687 (300) 32 1 (03)574-9190 (300) 2 1 (03)563-8080 (300) 19 35 1 (03)579-0678 (300) 301 (03)562-8877 (302) 49 1 (03)656-0222 (302) 36 (03)550-6789 (320) 445 1 (03)466-2211 (320) 262 1 (03)461-1998 (320) 500 1 (03)422-3131 (324) 68 (03)402-8788 (330) 1247 (03)356-7785 (330) 32 1 (03)337-3266 (330) 389 1 (03)338-8866 (330) 124 1 (03)315-0566 (333) 233 1 (03)396-2777 (334) 965 1 (03)371-6565 (338) 257 1 (03)321-2211 (351) 951 1 (037)695-678 (400) 50 1 (04)2229-2161 (403) 536 (04)2314-9999 (403) 239 (04)2310-1258 (404) 418 (04)2422-9392 (406) 875 1 (04)2246-9988 (407) 88 (04)2254-5333 (407) 175 (04)2708-2200 (407) 859 1 (04)2355-1000 (408) 88 (04)2389-1269 (408) 234 1 (04)2471-2268 (408) 53 1 (04)2329-1111 (412) 201 (04)2481-3333 (420) 545 1 (04)2520-1010

(500) 76 1 (04)727-9933 (510) 372 1 (04)836-8676 (540) 220 1 (049)220-7711 (600) 241 1 (05)228-6600 (640) 2 1 (05)536-0099 (700) 159 1 (06)215-2345 (700) 167 1 (06)241-2318 (700) 212 1 (06)226-3636 (701) 195 1 (06)335-3535 (701) 290 1 (06)208-5522 (702) 236 1 (06)291-9999 (710) 425 1 (06)202-5787 (710) 111 1 (06)253-9199 (717) 478 1 (06)279-8099 (722) 410 1 (06)722-1335 (730) 137 1 (06)633-6789 (800) 206 1 (07)226-2325 (800) 97 1 (07)238-6567 (801) 168 1 (07)231-8141 (802) 29 1 (07)535-1885 (806) 21 1 (07)336-6768 (806) 480 1 (07)726-1066 (807) 551 1 (07)380-5558 (807) 366 1 (07)316-1155 (807) 52 1 (07)346-1199 (811) 803 3 1 (07)368-1699 (813) 88 1 (07)556-7909 (820) 388 1 (07)623-5500 (830) 85 1 1 (07)745-1199 (830) 699 1 (07)821-5101 (830) 315 1 (07)777-7668 (900) 450 1 (08)738-3000 (950) 279 1 (089)339-898 (970) 376 1 (03)834-0566 (970) 1 7 1 (03)835-1101

2801 Suite 2801, 28/F., Two International Finance Centre, 8 Finance Street, Central, Hong Kong

852-29161888 852-28109742

23 Manhattan

Place 20 ) 20/F, Manhattan Place, No. 23 Wang Tai Road, Kowloon Bay, Kowloon, Hong Kong

852-29161688 852-28050899

10027 200120

27F, Shanghai World Financial Center, 100 Century Avenue, Pudong New Area, Shanghai 200120, P.R.C.

86-21-20805888 86-21-68778788

55 151501 02 12 200131 Unit 01, 02, 12 , 15th Floor, No.55 Jilong Rd, China (Shanghai) Pilot Free Trade Zone Shanghai 200131, P.R.C.

86-21-20805888 86-21-50585112

86 510623

6/F, International Finance Place, No.8 Huaxia Road, Pearl River New Town, Guangzhou 510623, P.R.C.

86-20-38560388 86-20-38560333

29 2903 29042905 2902 A 361000 Unit 2902A, 2903, 2904, 2905, No.29 North Donggang Rd., China (Fujian) Pilot Free Trade Zone, Xiamen Subdistrict, 361000,P.R.C.

86-592-5669686 86-592-5668738

401A 402A2b 518048 Unit 401A,402A2b, 1 Zhong Xin Si Road, Futian CBD Shenzhen, 518048,P.R.C.

86-755-25767999 86-755-25767000

8 Marina View, #29-01, Asia Square Tower 1, Singapore 018960 65-63514888 65-65325999

Upper Ground Floor, Birla Tower, 25 Barakhamba Road, New Delhi 110001, India 91-11-43688888 91-11-43688873

Plot No.42 (old No. 105) Chennai Bangalore Highways NH4, Sriperumbudur, Kancheepuram District, Tamil Nadu- 602105, India

91-44-67147700 91-44-67147799

Suite 2-9, 9th Floor, MPlaza Saigon, No. 39 Le Duan Street, District 1, Ho Chi Minh City, Vietnam

84-28-39101888 84-28-39101999

Kioi Tower 28F, Tokyo Garden Terrace Kioicho, 1-3 Kioicho, Chiyoda-ku, Tokyo 102-0094, Japan

81-3-32889888 81-3-35568892

11F, #521 Fifth Avenue, New York, NY 10175, U.S.A. 1-212-4578888 1-212-4576666

2-3-5 Akasaka, Minato-Ku, Tokyo, 107-8480, Japan 81-3-35863111 81-3-35838224

( )16th to 19th Floors, Fort Legend Towers, 31st Street Corner 3rd Avenue, Bonifacio Global City, Taguig City, 1634

63-2-9889287 63-2-5767935

( )1518 West Broadway, Vancouver, B.C., Canada, V6J 1W8 1-604-6833882 1-604-6833723

801 S. Figueroa St , Suite 2300 (22 to 23 Floors), Los Angeles, CA 90017, USA 1-310-7912828 1-424-2774698

( )Tamara Center, 15th-17th Fl., Jl Jenderal Sudirman Kav. 24, Jakarta, 12920, Indonesia 62-21-25578787 62-21-30402286

Suite 803, 8F, GPF Witthayu, Tower A, 93/1 Wireless Road, Lumpini, Pathumwan, Bangkok 10330, Thailand

66-2-2543139 66-2-2566480

East-3002, 30th Floor, LOTTE Center Hanoi, No. 54 Lieu Giai Street, Cong Vi Ward, Ba Dinh District, Hanoi, Vietnam

84-24-38249088 84-24-38249099

17851 Colima Road, Suite A2, City of Industry, CA91748, U.S.A. 1-626-8397660 1-626-9120868

B 111 100026B-111, The Grand Pacific Building, 8a, Guanghua Rd., Chao Yang District, Beijing, 100026,P. R.C.

86-10-65813700 86-10-65815701

Suite 2702, Level 27, 259 George Street, Sydney, NSW 2000, Australia 61-2-92513655 61-2-92513644

Unit #506, No.53, Strand Road, Pabedan Township, Yangon, Myanmar 95-1-2307348 95-1-2307347

Lot 11-09, Level 11, Menara Hap Seng 2, Letter Box 21,Plaza Hap Seng, No. 1 Jalan P. Ramlee 50250 Kuala Lumpur, Malaysia

60-3-20223299 60-3-20223277

168 170 186 18(02)3327-7777

( ) 9 10

( ) 10

( ) 11 18

( ) 18 33

( ) 34

( ) 35 121

( ) 122 134

( ) 134 135

( ) 135 142

( ) 142

1. 143 144

2. 144 145

3. 145 146

( ) 146 147

10200007370980002150

( )( )( )( )( )( )( )

( )( )( )

( )( )( )( )( )( )( )( )

( )( )( )( )( )( )( )( )( )( )( )( )( )

152 12 793

2018 1 1

9 2018 1 19 2019 1 115 2018 1 1

7 2017 1 112 2017 1 1

40 2018 1 12014-2016

12 2017 1 11 28 2018 1 1

22 2018 1 1

IFRS 9IAS 39

––

IAS39 IFRS9

$ 89,234,642 89,228,860

281,195,765 281,192,372

140,189,002 140,189,002

214,952,2841

7,523,037

2207,429,247

137,010 137,010

121,046,639 121,072,857

2,142,676,154 2,142,590,713

643,909,2133

389,046

4 643,525,116

12,281,846 4 12,290,697

2,691,9275

732,583

62,961,333

2,887,687 2,896,529

10,908,349 10,907,803

150,690150,690

61,863

17,1684

152,0746

167,638 682,277

$ 5,172 - 5,782 10,95418,726 - 3,393 22,119

2,499,516 - 71,920 2,571,43612,974,531 - 693,293 13,667,824

14,510,367, , - (705,990)( , ) 13,804,377, ,30,008,312, , - 68,398, 30,076,710, ,

122,903, - (8,842)( , ) 114,061,3,519, - 546 4,065,

30,134,734, , - 60,102, 30,194,836, ,

94,412, (94,412)( , ) - -

- - 61,863, 61,863,

11,870, - 12,219, 24,089,

24,736, - (8,851)( , ) 15,885,

54,852 - 49,202 104,054- - 161,776 161,776

168,852 - 99,613 268,465- - 8,032 8,032

646,616, - (122,045)( , ) 524,571,870,320, - 196,578, 1,066,898, ,

$ 31,136,072$ 31,136,072, , (94,412)(94,412)( , ) 321,911321,911, 31,363,57131,363,571, ,

( )1070324857

16 2019 1 123 2019 1 1

19 2019 1 128 2019 1 1

2015-2017 2019 1 1

16,331 13,903

3 2020 1 110 28

17 2021 1 1

2018.10.22 3 3

2018.10.31 18

1.2.3.4.

2.(1)(2)(3)

PT. Bank CTBC Indonesia 99.00% 99.00%

CTBC Bank Corp.(Canada) 100.00% 100.00%

The Tokyo Star Bank, Ltd. 100.00% 100.00%

CTBC Capital Corp. ( 2) 100.00% 100.00%

CTBC Capital Corp. CTBC Bank Corp. (USA) 100.00% 100.00%

The Tokyo Star Bank, Ltd. Tokyo Star Business Finance, Ltd. 100.00% 100.00%

TSB Servicer, Ltd. 100.00% 100.00%

( 1) - % - %

2 CTBC Capital Corp. 173,000 57,000

A.a.b.

a.b.c. 90

A.B.C. 90

A.B.C.D.E.F.G.

(1)(2)

2 564 62 20

1.2.3.

1.(3) 2.(4)( )

(1)(2)

(Probability of default, PD”) (Loss given default, LGD”)(Exposure at default, EAD”) 12

107.12.31 106.12.31$ 31,711,183 28,213,172

22,332 22,1674,168,156 4,034,0625,128,157 7,660,131

46,529,659, , 49,305,110, ,$ 87,559,487$ , ,, , 89,234,642, ,, ,

( )107.12.31 106.12.31

$ 40,668,559 32,983,85250,779,809 47,876,260

115,515,402 110,874,64645,898,349 89,461,007

17,962, -$ 252,880,081$ , ,, , 281,195,765, ,, ,

( )107.12.31 106.12.31

$ - 14,835,334- 2,958,933

1,113,200 1,125,82517,084, (68,617)( , )

1,130,284, , 18,851,475, ,

101,208,3634,000,301

587711,768

4,261,0348,945

6,309,9484,097,546

910,90841,623,835

(802,915)( , )162,330,320, ,

71,070,9613,000,000

762,811448,792594,100

1,937,29212,003,2261,197,350

122,73629,973,952

226,307,121,337,527, ,

$ 163,460,604$ , ,, , 140,189,002, ,, ,

107.12.31 106.12.31$ 55,343,033 33,340,291

37,930,181, , 34,090,353, ,$ 93,273,214$ , ,, , 67,430,644, ,, ,

107.12.31 106.12.31$ 37,930,181 34,090,353

310,604 1,422,9506,386,805 2,234,663

10 106$ 3,545,835 3,522,038

1,256,405 1,160,587(3,476,155) (872,678)

104,831, (264,112)( , )$ 1,430,916$ , ,, , 3,545,835, ,, ,

( )107.12.31

$ 16,014,499954,637

57,507,81914,566,497

126,297,05431,581,8231,518,273

15,209,248,455,811, ,

2,518,4952,211,650

548,664(68,493)( , )

5,210,316, ,$ 253,666,127$ , ,, ,

$ 61,863 - - - 61,863

(25,510) - - - (25,510)

38,973 - - - 38,973

(6,046)( , ) - - - (6,046)( , )

$ 69,280$ 69,280 - - - 69,28069,280

107$ 1,740

316,866,$ 318,606$ ,,

10 107

$ 465,071$ ,, (49,961), )( , )

( )107.12.31

$ 379,516,0009,700,256

133,664,85549,326,26120,268,822

613,8862,583,921

(43,335)( , )$ 595,630,666$ , ,, ,

$ 39,974 - - - 39,974

(6,648) - - - (6,648)

12,015 - - - 12,015

(2,006)( , ) - - - (2,006)( , )

$ 43,335$ 43,335 - - - 43,33543,335

10 107$ 1,841,570 30,064

1,912,309, , -$ 3,753,879$ , ,, , 30,064,,

( )106.12.31

$ 11,439,8902,427,358

74,309,87415,839,55473,770,2794,916,2334,892,137

27,032,572596,969

(272,582)( , )$ 214,952,284$ , ,, ,

107.12.31 106.12.31

$ - 27,455980 10,736

33,232, 98,819,$ 34,212$ ,, 137,010,,

107.12.31 106.12.31

$ 15,426 -

168,769, 16,865,$ 184,195$ ,, 16,865,,

107.12.31 106.12.31$ - 27,455

(14,446) 10,736

20,808136,757

$ 1,072,345 - 3,310 - - -

107.12.31 06.12.31CTBC Bank Co., Ltd.-Ho Chi Minh City Branch $ 2,450 4,585CTBC Capital Corp. 9,312 13,100CTBC Bank Corp.(Canada) 3,039 (4,508)The Tokyo Star Bank, Ltd. (150,338) 68,777

$ (740,474) - - - - -

1 1-3 -1 1-5107 1

- - USD 35,000 - -30.509~30.700

USD 204,500 - - - -30.80~30.84

CAD 10,000 - - - -22.922

JPY 52,970,726 - - - -0.2740~0.2768

( )107.12.31 106.12.31

$ 1,481,876$ , ,, , -$ 1,483,020$ , ,, , -

( )107.12.31 106.12.31

$ 30,540 37,83290,891,694 78,602,77321,578,332 16,750,7769,224,066 7,686,189

12,150,952 9,863,77332,476 66,022

6,431,641 746,6652,206,146 2,042,802

17,769,081 4,366,8185,974,005, , 3,642,415, ,

166,288,933 123,806,065(2,606,084)( , , ) (2,759,426)( , , )

$ 163,682,849$ , ,, , 121,046,639, ,, ,

$ 1,825,333 - 1,268,672

3,352,410 - 445,107

106,865,506, , - 1,045,647, ,

$ 112,043,249$ , ,, , - 2,759,426, ,, ,

( )107.12.31 106.12.31

$ 537,654,561 506,428,77710,649,313 10,105,055

639,376,024 567,562,077359 532

115,548,807, , 109,064,036, ,1,303,229,064 1,193,160,4771,032,120,066 969,540,074

9,522,741, , 8,529,237, ,2,344,871,871 2,171,229,788

(29,991,629) (27,224,988)(1,189,317) (1,359,613)

17,231, 30,967,$ 2,313,708,156$ , , ,, , , 2,142,676,154, , ,, , ,

107.12.31 106.12.31$ 10,123,335$ , ,, , 8,872,330, ,, ,

107 106

$ 78,602$ ,, 58,899,,

106 12 31

$ 13,320,492 (409) 4,114,406

18,034,584 4,253 3,241,514

2,139,874,712, , , (1,363,457)( , , ) 19,869,068, ,

$ 2,171,229,788$ , , ,, , , (1,359,613)( , , )( , , ) 27,224,988, ,, ,

(7,043) 7,679 - (636) - - -

(37,729) (172,369) - 210,098 - - - -12 31,950 (23,038) - (8,912) - - - -

(35,161) (3,382) (1) (243,149) - (281,693) - (281,693)

145,655 16,935 - 101,294 2 263,886 - 263,886

- - - - - - 184,199 184,199

- - - (1,068,792) - (1,068,792) - (1,068,792)

- - - 881,874 - 881,874 - 881,874

(22,151)( , ) 66,635, (1)( ) (151,080)( , ) (1)( ) (106,598)( , ) - (106,598)( , )

$ 663,699$ 663,699 93,91093,910 - 1,502,4921,502,492 12 2,260,1132,260,113 345,971345,971 2,606,0842,606,084

(57,150) 73,397 - (14,694) (1,553) - - -

(140,728) (177,782) (100,862) 419,291 81 - - -12 232,054 (166,961) (7,453) (57,640) - - - -

(1,579,754) (159,399) (4,977) (761,703) (5,768) (2,511,601) - (2,511,601)

2,120,424 175,677 10,647 1,700,431 22,161 4,029,340 - 4,029,340

- - - - - - 2,286,153 2,286,153

(31,008) (11,927) - (3,589,371) - (3,632,306) - (3,632,306)

6,582 - - 1,375,117 - 1,381,699 - 1,381,699

(394,164)( , ) 364,480, (4,175)( , ) 1,157,986, , 3,788, 1,127,915, , - 1,127,915, ,

$ 5,523,107$ 5,523,107 706,109706,109 10,63410,634 7,767,9657,767,965 55,05655,056 14,062,87114,062,871 15,928,75815,928,758 29,991,62929,991,629

- 16 - (16) - - - -

- (12) - 12 - - - -12 1,233 (2) - (1,231) - - - -

(13,691) (24) - (76,618) - (90,333) - (90,333)

5,822 7 - 47,212 - 53,041 - 53,041

- - - (91,579) - (91,579) - (91,579)

(5,457)( , ) 15 - 130,810, - 125,368, - 125,368,

$ 24,800$ 24,800 3939 - 122,857122,857 - 147,696147,696 - 147,696147,696

(2,644) 4,491 - (1,847) - - - -

(2,732) (516) - 3,248 - - - -12 5,642 (4,778) - (864) - - - -

(77,784) (1,906) (12) (843) - (80,545) - (80,545)

96,801 2,625 - 52,619 - 152,045 - 152,045

- - - - - - 15,748 15,748

- - - (2,973) - (2,973) - (2,973)

- - - 1,806 - 1,806 - 1,806

(13,737)( , ) 1,515, - (1,891)( , ) (1,815)( , ) (15,928)( , ) - (15,928)( , )

$ 369 666 10,483,483 - 216 447 136 596,732596,732 540,319540,319 1,137,0511,137,051

(218,708) 171,658 (47,050) 718,589 1,205,290 1,923,879 722,436 2,599,265

- (1,100,955) (1,100,955) (788) (4,210,273) (4,211,061) (90,408) (5,402,424)

- 895,175 895,175 - 1,342,678 1,342,678 2,215 2,240,068

- 3,176 3,176 - - - (3,176) -

(99,514)( , ) (1,124)( , ) (100,638)( , ) (421,312)( , ) (157,833)( , ) (579,145)( , ) 16,227, (663,556)( , )

$ 1,045,647$ 1,045,647 1,713,7791,713,779 2,759,4262,759,426 19,869,06819,869,068 7,355,9207,355,920 27,224,98827,224,988 1,019,3871,019,387 31,003,80131,003,801

( )106.12.31493,095,078

3,663,71699,668,18822,374,85924,626,457

480,915,643,909,213, ,, ,

( )07.12.31

1,010,880 21.15 $ 1,975,668AZ-Star Co., Ltd. JPY12,000 40.00 20,511AZ-Star 1

JPY2,333,06843.98 105,543

AZ-Star 3550,500

30.86 153,204

LH Financial Group Public Company LimitedTHB16,598,915

35.62 16,520,616

CNY170,00034.00 761,208

$ 19,536,750$ , ,, ,

06.12.31

1,010,880 21.15 $ 1,956,376AZ-Star Co., Ltd. JPY12,000 40.00 4,163AZ-Star 1

JPY1,874,06843.98 249,232

LH Financial Group Public Company LimitedTHB16,598,915

35.62 15,663,621

$ 17,873,392$ , ,, ,

10 106

$ 1,299,756 1,404,768456 -

$ 1,300,212$ , ,, , 1,404,768, ,, ,

1.15,044,568 LH Financial Group

Public Company Limited 35.62%

.12.31LH Financial Group Public Company Limited

35.62% 35.62%

107.12.31 106.12.31LH Financial Group Public Company Limited $ 9,646,112 11,667,151

LH Financial Group Public Company Limited

107.12.31 106.12.31$ 233,390,597 213,296,979

(195,706,681)( , , ) (178,019,203)( , , )$ 37,683,916$ , ,, , 35,277,776, ,, ,

10 106$ 4,005,195, , 3,4,$ 2,900,562 2,373,559

(538,569)( , ) 178,912,$ 2,361,993$ , ,, , 2,552,471, ,, ,

107.12.31 106.12.31$ 13,421,880 12,564,885

3,098,736, , 3,098,736, ,$ 16,520,616$ , ,, , 15,663,621, ,, ,

10 106$ 266,663 1,00

(9,478)( , ) 34,613,$ 257,185$ ,, 1,036,086, ,, ,

34% 170,000

$ 456(34,719)( , )

$ (34,263)$ ( , )( , )

( )107.12.31 106.12.31

$ 1,914,653 1,497,797(49,128) (42,260)368,742 473,695- 12,281,846- 2,691,927106,119 96,561(71,681) (80,643)

47,918, 942,537,$ 2,316,623$ , ,, , 17,861,460, ,, ,

( )07.12.3

$ 1,558,106 - 134,598 1,423,508690,309, 219,263, 52,597, 418,449,

$ 2,248,415$ , ,, , 219,263,, 187,195,, 1,841,957, ,, ,

$ 2,905,723$ , ,, ,

06.12.3

$ 1,807,400 - 132,725 1,674,675840,511, 255,215, 52,848, 532,448,

$ 2,647,911$ , ,, , 255,215,, 185,573,, 2,207,123, ,, ,

$ 3,326,634$ , ,, ,

107.1.1 107.12.31

$ 1,807,400 - 1,558,106

840,511, 25,005, 175,207, - 690,309,

$ 2,647,911$ , ,, , 120,481,, 519,977,, - 2,248,415, ,, ,

106.1.1 106.12.31

$ 3,645,587 5,542 1,843,729 - 1,807,400

1,433,991, , 8,808, 602,288, - 840,511,

$ 5,079,578$ , ,, , 14,350,, 2,446,017, ,, , - 2,647,911, ,, ,

107.1.1 107.12.31

$ 255,215$ ,, - 219,263,,

106.1.1 106.12.31

$ 431,397$ ,, - 255,215,,

107.1.1 107.12.31

$ 132,725 - 134,598

52,848, - 251 - 52,597,

$ 185,573$ ,, 2,304,, 682 - 187,195,,

106.1.1 106.12.31

$ 149,316 - 132,725

48,725, 9,331, 5,208, - 52,848,

$ 198,041$ ,, 27,579,, 40,047,, - 185,573,,

( )107.12.31

3,370,6330,819,331 6,361,423 23,610 24,434,298

58,169 34,186 - 23,9839,143,939 4,770,082 - 4,373,857

74,257 - - 74,257175,626 - - 175,626

4,928,334 - - 4,928,3341,172,611, , 515,222, - 657,389,

$ 59,742,903, ,, , 11,680,913 64,993 47,996,997

106.12.31$ 13,097,269 - 41,383 13,055,886

28,831,851 5,576,903 23,590 23,231,35863,308 33,293 - 30,015

7,830,080 4,072,783 - 3,757,2971,006,291 - - 1,006,291

86,878 - - 86,8784,644,205 - - 4,644,2051,267,926, , 467,461, - 800,465,

$ 56,827,808$ , ,, , 10,150,440, ,, , 64,973,, 46,612,395, ,, ,

107.1.1 107.12.31

$ 13,097,269 340,533 95,476 28,310 13,370,636

28,831,851 2,296,049 370,829 62,260 30,819,331

63,308 8,762 12,408 (1,493) 58,169

7,830,080 1,700,501 431,540 44,898 9,143,939

1,006,291 1,061,989 1,996,724 2,701 74,257

86,878 251,161 162,413 - 175,626

4,644,205 284,129 - - 4,928,334

1,267,926, , 76 134,339, 38,948, 1,172,611, ,

$ 56,827,808$ , ,, , 5,943,200, ,, , 3,203,729, ,, , 175,624,, 59,742,903, ,, ,

106.1.1 106.12.31

$ 11,893,572 7,607 13,097,269

28,680,112 921,714 629,937 (140,038) 28,831,851

71,182 12,375 14,577 (5,672) 63,308

7,495,794 1,023,244 565,904 (123,054) 7,830,080

562,538 858,494 413,489 (1,252) 1,006,291

29,497 219,842 162,461 - 86,878

5,603,558 344,149 1,303,502 - 4,644,205

1,134,496, , 291,954, 125,931, (32,593)( , ) 1,267,926, ,

$ 55,470,749$ , ,, , 4,909,379, ,, , 3,221,343, ,, , (330,977)( , )( , ) 56,827,808, ,, ,

107.1.1 107.12.31$ 5,576,903 2,138 6,361,423

33,293 9,981 8,380 (708) 34,186

4,072,783 1,090,175 420,223 27,347 4,770,082

467,461, 163,732, 131,600, 15,629, 515,222,

$ 10,150,440$ , ,, , 2,326,026,, 892,781 97,228 11,680,913, ,, ,

106.1.1 106.12.31$ 5,171,462 1,012,556 539,416 (67,699) 5,576,903

33,767 11,560 9,318 (2,716) 33,293

3,730,928 988,979 553,226 (93,898) 4,072,783

412,836, 183,814, 119,425, (9,764)( , ) 467,461,

$ 9,348,993$ , ,, , 2,196,909, ,, , 1,221,385, ,, , (174,077)( , )( , ) 10,150,440, ,, ,

107.1.1 107.12.31$ 41,383 41,383

23,590, 20 - - 23,610,

$ 64,973$ ,, 20 - - 64,993,,

106.1.1 106.12.31$ 41,383 41,383

23,579, 11 - - 23,590,

$ 64,962$ ,, 11 - - 64,973,,

( )107.12.31 106.12.31

$ 10,385,891 10,385,8915,427,820, , 4,481,299, ,

$ 15,813,711$ , ,, , 14,867,190, ,, ,

107.1.1 107.12.31$ 10,385,891 10,385,891

4,481,299, , 3,104,387, , 2,259,073, , 101,207, 5,427,820, ,

$ 14,867,190$ , ,, , 3,104,387,, 2 259 073 101 207 15,813,711, ,, ,

106.1.1 106.12.31$ 10,385,891 - - - 10,385,891

4,413,258 1,462,464 1,292,993 (101,430) 4,481,299

1,031, - 1,031, - -

$ 14,800,180$ , ,, , 1,462,464, ,, , 1,294,024, ,, , (101,430)( , )( , ) 14,867,190, ,, ,

( )107.12.31 106.12.31

$ 7,038,339 4,711,966170,918 137,389

1,493,920 55,54717,944,419 10,908,3492,517,498 2,584,7801,801,928 1,728,7281,119,600, , 1,191,154, ,

$ 32,086,622$ , ,, , 21,317,913, ,, ,

3,364,140

400,000200,000

( )107.12.31 106.12.31

$ 210,705 216,67427,508,521 22,151,951

493,473 1,147,9047,220,370 1,137,347

39,065,623, , 50,220,907, ,$ 74,498,692$ , ,, , 74,874,783, ,, ,

( )107.12.31 106.12.31

$ 1,323,294 1,608,4142,286,889, , 2,715,462, ,

$ 3,610,183$ , ,, , 4,323,876, ,, ,

1.107.12.31 106.12.31

$ 12,903 25,8062.52%

6M LIBOR1.45%

6M LIBOR108 7 26 108 7 26

2.The Tokyo Star Bank, Ltd.107.12.31 106.12.31

$ 3,330,000 3,164,0002.53%~2.88% 1.46%~1.66%108 12 4 107 12 4

1.CTBC Bank Corp. (USA)107.12.31 106.12.31

$ 55,000 65,0002.57%~2.96% 0.96%~2.96%

109 12 31 109 12 31

2.PT. Bank CTBC Indonesia107.12.31 106.12.31

$ 975,236,538 352,315,9723.34%~8.71% 1.77%~6.55%109 7 30 107 3 28

( )2.31

$ 10,366,606 10,246,333 10,258,642 10 1 29

25,071,635 23,881,233 23,978,146 10 3 19

27,374,133 26,830,060 26,917,294 108 2 25

$ 62,812,374$ , ,, , 60,957,626, ,, , 61,154,082, ,, ,

479,345 451,536 453,081 107 1 19

47,334,100 47,775,896 47,832,827 107 3 27

$ 62,500,769$ , ,, , 62,742,896, ,, , 62,818,505, ,, ,

( )107.12.31 106.12.31

$ 9,235,653 8,311,9195,158,097 3,508,696

17,808,819 17,872,0179,875,553 6,922,160

11,198,063 9,699,4403,960,175 3,835,3083,782,978 3,988,6886,588,088 8,668,3708,372,989, , 6,472,400, ,

$ 75,980,415$ , ,, , 69,278,998, ,, ,

( )107.12.31 106.12.31

$ 10,731,101, , 9,595,727, ,

200,706,950 194,135,739733,530,119 677,104,314

9,226,288, , 10,073,470, ,943,463,357, , 881,313,523, ,

209,469,169 199,188,241443,003,524 431,511,895

1,215,600 1,266,50030,547,750 26,050,00014,248,500, , 10,312,500, ,

698,484,543, , 668,329,136, ,1,652,679,001, , , 1,559,238,386, , ,1,498,342,159 1,419,869,067

167 16783,521 111,378

5,662,127, , 2,626,218, ,$ 3,156,766,975$ , , ,, , , 2,981,845,216, , ,, , ,

( )107.12.31 106.12.31

97-1 $ 2,000,000 2,000,000100-1 4,000,000 12,900,000103-1 20,000,000 20,000,000103-2 15,000,000 15,000,000104-1( 3) 7,898,381 7,670,936104-2 12,000,000 12,000,000104-3 5,000,000 5,000,000105-1( 3) 23,971,740 23,281,440106-1( 3) 5,531,940 5,372,640106-2 1,000,000 1,000,000107-1( 3) 6,914,925 -No.16 Callable Unsecured Bond - 291,390No.17 Callable Unsecured Bond - 1,086,090

- 28,322(8) (15,359)

( 3) (44,316,986)

(36,325,016)

$ 58,999,992$ , ,, , 69,290,443, ,, ,

97-1 3.49%

100-1 100/09/27 110/09/27 A 1.80% B 1.95%

103-1 103/06/18 A 3.70% B 4.00%

103-2 103/06/26 118/06/26 A 2.00% B 0.45% 2

104-1 104/01/27 134/01/27 0% 3

104-2 104/06/10 3.60%

104-3 104/06/18 114/06/18 A 1.83% B 2.00% C 2.05%

105-1 105/11/29 133/11/29 0% 3

106-1 106/03/29 136/03/29 0% 3

106-2 106/05/19 109/05/19 0.83%

107-1 107/03/29 137/03/29 0% 3

No.16 Callable Unsecured Bond 102/03/13 112/03/13 3.28%

No.17 Callable Unsecured Bond 102/06/06 112/06/06 3.46%

1 6165 90 CP/BA 11:00

(TAIBOR)2 6165 90 CP/BA 11:00 6165

TAIBIR90 TAIBIR 02

3 104-1 105-1 106-1 107-1

( )107.12.31 106.12.31

$ 652,316 785,60899,921,393 101,319,26319,337,702 30,656,153

- 132$ 119,911,411$ , ,, , 132,761,156, ,, ,

( )107.12.31 106.12.31

$ 242,512 240,1753,868,465 4,299,985

857,258 870,320279,793 -266,963, 210,872,

$ 5,514,991$ , ,, , 5,621,352, ,, ,

( )107.12.31 106.12.31

$ 376,991 461,803212,842 559,212

1,760,027 1,082,3146,180,527 6,152,3472,003,154 1,539,130

136,220, 213,254,$ 10,669,761$ , ,, , 10,008,060, ,, ,

668,590 689,526

107.12.31 106.12.31$ 3,072,283 3,543,414

423,560, 394,818,$ 3,495,843$ , ,, , 3,938,232, ,, ,

107.12.31 106.12.31$ 8,547,998 8,997,332

(5,475,715)( , , ) (5,453,918)( , , )$ 3,072,283$ , ,, , 3,543,414, ,, ,

107 1061 1 $ 8,997,332 9,340,926

164,133 231,625

- 203,343(114,937) (339,199)(498,530)( , ) (439,363)( , )

12 31 $ 8,547,998$ , ,, , 8,997,332, ,, ,

107 106

1 1 $ 5,453,918 5,440,904 67,686

160,774 50,017318,649 360,704

(498,530)( , ) (439,363)( , )12 31 $ 5,475,715$ , ,, , 5,453,918, ,, ,

107 106

$ 97,043 114,86326,576, 49,076,

$ 123,619$ ,, 163,939,,

107 106

1 1 $ (1,280,157) (1,46275,711, 185,873,

12 31 $ (1,004,446)$ ( , , )( , , ) (1,280,157)( , , )( , , )

107.12.31 106.12.310.75% 0.75%3.00% 3.00%

99,7935

107 12 31$ (79,354) 81,292

106 12 31(102,934) 105,543

107.12.31 106.12.31$ 423,560 397,046

- -$ 423,560$ ,, 397,046,,

107 1061 1 $ 397,046 241,363

18,337 17,85521,684 173,595

(3,204) 2,4115,113 (23,561)4,939 3,367

(20,355)( , ) (17,984)( , )12 31 $ 423,560$ ,, 397,046,,

107 106$ 21,684 173,595

8,177 8,07910,160, 9,776,

$ 40,021$ ,, 191,450,,

107 106

1 1 $ (13,618) (33,629)(9,076)( , ) 20,011,

12 31 $ (22,694)$ ( , )( , ) (13,618)( , )( , )

D.107 12 31 106 12 31

2.00% 1.375%~1.5% 2.00% 1.625%

2.00% 33%~69% 1.85% 33%~72%

50.00% - 50.00% -

107 12 31$ (4,855) 5,082

(5,158) 5,387

106 12 31(4,614) 4,831(4,894) 5,112

0.25% 25%

1$ (8,699) 9,228

106 12 31(7,020) 7,375

107.12.31 106.12.31$ 372,622 361,753

143,050 128,871

48,933 (53,403)( )

17% 20%1.

107 106$ (5,826,868) (4,958,155)

(534,392) (1,667,077)312,354, -

$ (6,048,906)$ ( , , )( , , ) (6,625,232)( , , )( , , )

107 106

$ (58,582) (32,078)179

22,049, -

$ (36,354)$ ( , )( , ) (31,109)( , )( , )

$ (326,610) 431,418- (217,340)

25,092 -

39,676 (29,791)211,621, -

$ (50,221)$ ( , )( , ) 184,287,,

107 106$ 35,731,519, , 36,648,391, ,

(8,521,605) (8,058,954)164,313 (297,768)

1,651,260 2,044,278(225,337) 243,111- (3)312,354 -570,109, (555,896)( , )

$ (6,048,906)$ ( , , )( , , ) (6,625,232)( , , )( , , )

, ( , ) , ( , )

(451,788) 195,917 - (21,117) (276,988)

2,452,663 311,540 - 221,382 2,985,585

(52,116) - 25,092 5,853 (21,171)

12,302 (44) - 3,474 15,732

483,788 (27,301) - 189,981 646,468

15,523 (415) - 2,738 17,846

111,842 (77) - 5,883 117,648

1,188,491 - (326,610) 222,318 1,084,199

219,942 - (58,582) (72,907) 88,453

2,102,459, , (669,524)( , ) - 108,674, 1,541,609, ,

$ 6,095,301$ , ,, , (534,392)( , )( , ) (360,100)( , )( , ) 668,431,, 5,869,240, ,, ,

$ 6,953,413 6,968,418

(858,112)( , ) (1,099,178)( , , )

$ 6,095,301$ , ,, , 5,869,240, ,, ,

$ (138,496) - -

191,903 (597,891) - 765 (405,223)

2,889,500 (437,768) - (72,839) 2,378,893

191,292 (32,750) (217,340) 7,727 (51,071)

13,474 (1,209) - 37 12,302

491,406 (347) - (7,271) 483,788

159,614 (144,091) - - 15,523

- 81,806 - - 81,806

767,770 - 431,418 - 1,199,188

254,943 - (32,078) (2,923) 219,942

2,954,454, , (685,518)( , ) - (166,477)( , ) 2,102,459, ,

7,775,860, ,, , (1,667,077)( , , )( , , ) 182,000,, (240,981)( , )( , ) 6,049,802, ,, ,

$ 8,145,564 6,907,914

(369,704)( , ) (858,112)( , )

$ 7,775,860$ , ,, , 6,049,802, ,, ,

97102 104

104 11 104

150,000,00010 15,000,000 140,685,719

14,068,572

9,559,984 955,9982.

107.12.31 106.12.31$ 28,607,197 28,607,197

1,184,264 1,184,264(2,773)( , ) (2,773)( , )

$ 29,788,688$ , ,, , 29,788,688, ,, ,

$ (8,500,761) - 0) (10,897,594)

(804)( ) (670,662)( , ) ,, 302,417,

(8,501,565)( , , ) (670,662)( , ) - (1,422,950)( , , ) (10,595,177)( , , )

2,619,794 - - - 2,619,794

(740,474) - - - (740,474)

- (415,763) - - (415,763)

- 418,658 - - 418,658

- 47,355 - - 47,355

- (201,958) - - (201,958)

- - - 1,112,346, , 1,112,346, ,

$ (6,622,245)$ ( , , )( ) (822,370)( , )( ) - (310,604)( , )( ) (7,755,219)( , , )( )

$ (2,734,459) ,378,311)

2,367,496 - - 2,367,496

(745,768) - - (745,768)

- (5,356,642) - (5,356,642)

- 1,182,591 - 1,182,591

138,848 - - 138,848

- - (1,105,808)( , , ) (1,105,808)( , , )

$ (973,883)$ ( , )( ) (8,500,761)( , , )( ) (1,422,950)( , , )( ) (10,897,594)( , , )( )

17,462,052

9,559,984

104.02.06 105.02.04 106.01.25 107.02.08

239,965 225,964 186,774 187,370

106.12.31 107.12.31 108.12.31 109.12.31

20.35 14.92 17.82 21.39

258,404 11.94 194,556 16.11 187,422 20.32

16,832 11.94 7,559 16.11 9,815 20.32

12,090 11.94 3,238 16.11 2,405 20.32

263,146 11.94 2,043 16.11 2,045 20.32

- 11.94 - 16.11 - 20.32

- 11.94 196,834 16.11 192,787 20.32

- 11.94 - 16.11 - 20.32

292,137 15.32 249,192 12.57 186,774 16.96

14,728 15.32 12,589 12.57 9,457 16.96

21,000 15.32 1,746 12.57 945 16.96

285,866 15.32 1,631 12.57 731 16.96

- 15.32 - 12.57 - 16.96

- 15.32 258,404 12.57 194,556 16.96

- 15.32 - 12.57 - 16.96

104 105 10620.70 21.57 21.67

105 1061.00 2.00

107239,507 20.24

( )10 106

$ 29,680,076$ , ,, , 30,0,,14,068,572, ,, , 14,068,572, ,, ,

$ 2.11$ 2.13

( )10 106

$ 58,683,766 52,581,3762,864,182 2,605,871

11,896,579 8,663,482417,738 398,476

3,143,208 2,351,97675,175 97,660

961,657, 648,849,78,042,305, , 67,347,690, ,

20,903,014 15,271,121945,882 788,729

2,775,468 2,518,76345,128 58,610

579,450, 537,085,25,248,942, , 19,174,308, ,

$ 52,793,363$ , ,, , 48,173,382, ,, ,

( )10 106

$ 4,477,803 5,129,3155,665,489 6,026,8415,415,981 5,646,8304,905,731 4,790,8489,217,374 8,600,3104,585,963 4,897,697

74,487, 71,900,34,342,828, , 35,163,741, ,

562,839 437,121184,470 162,241276,623 245,786

2,045,879 2,026,012353,181 383,975

6,235, 18,575,3,429,227, , 3,273,710, ,

$ 30,913,601$ , ,, , 31,890,031, ,, ,

( )10 106

$ 1,588 4,869626 1,612

(514,438) (455,895)31,103 141,575

216,803 90,1424,006 15,065

99,954 (1,533)5,358 12,364

(108,222) (221,567)154,507 200,417

43 1,5388,870,988 3,740,051

554 (12,592)3,024, -

8,765,894, , 3,516,046, ,

21,879 (241)27,565 520,340

(42,003) 8,1292,855,124 (1,518,241)(300,084) 45,474(360,918) (55,468)(875,524) 96,002

(3,546) (14,923)1,013,863 5,103,558(145,081) 607(30,616) (21,301)

599 (1,444)( , )2,161,258, , 4,162,492, ,

156,082 70,9211,174,715 1,379,977

(1,808,360)( , , ) (1,478,048)( , , )$ 10,449,589$ , ,, , 7,651,388, ,, ,

( )10 106

$ 24,634,513 23,21,795,036 1,762,3491,107,724 2,335,230

668,590 689,526306,690 484,260

1,139,991, , 1,420,218, ,$ 29,652,544$ , ,, , 29,971,528, ,, ,

14,884 14,537( )

10 106$ 1,012,489 1,0

554,898 507,87721,880 28,384

681,445, 626,656,2,270,712, , 2,175,389, ,1,224,125 1,095,088

- 1,031,$ 3,494,837$ , ,, , 3,271,508, ,, ,

16,997 17,08317,052

( )10 106

$ 4,893,062 4,92,112,390 1,885,3444,301,953 4,398,5252,803,682 2,614,2464,574,964 4,496,8193,071,665, , 2,995,311, ,

$ 21,757,716$ , ,, , 21,311,386, ,, ,

(5)Black Scholes Model

Reuters Bloomberg

(7) (Probability of default, PD)(Loss given default, LGD) (Exposure at

default, EAD) (CVA)

PD LGD(Over the Counter, OTC) (Mark to Market)EAD

107.12.31

$ 595,630,666

106.12.31

$ 643,909,213 32,470

(1) (2)(3)

(2)107.12.31

$ 3,258,363 3,258,363 - -

116,477,513 712,609 115,764,837 67

970,609 325,542 - 645,067

1,130,284 - - 1,130,284

5,210,316 2,210,935 6,978 2,992,403

248,455,811 55,039,671 193,034,667 381,473

37,930,181 - - 37,930,181

$ 41,623,835 227,119 41,029,984 366,732

34,212 - 34,212 -

55,343,033 94,534 54,832,536 415,963

184,195 - 184,195 -

596,407,103 524,340,047 61,847,578 10,219,478

2,905,723 - - 2,905,723

$ 1,291,125 1,291,125 - -

89,949,111 800,133 89,148,978 -

123,339 123,339 - -

17,705,947 14,741,412 2,964,497 38

1,145,528 - - 1,145,528

4,675,095 4,675,095 - -

205,375,741 69,466,541 135,278,223 630,977

4,901,448 4,123,437 778,011 -

34,090,353 - - 34,090,353

$ 29,973,952 100,633 29,534,246 339,073

137,010 - 137,010 -

33,340,291 152,053 32,791,640 396,598

16,865 - 16,865 -

646,332,470 591,222,881 55,109,589 -

12,281,846 - - 12,281,846

3,326,634 - - 3,326,634

$ 339,073 335,106 833,097 113,216 - - 403,121 186,297 19,208 1,011,866

1,276,517 (3,545) (73,113) - - - 69,575 - - 1,130,284

3,104,971 - 287,416 - - - 11,533 6,978 - 3,373,876

$ 4,720,561$ 4,720,561 331,561331,561 1,047,4001,047,400 113,216113,216 - - 484,229484,229 193,275193,275 19,20819,208 5,516,0265,516,026

$ 6,357,781 (3,391,255) - 386,657 - 58,216 3,072,217 109 - 339,073

1,276,517 (15,066) (49,660) - - - 66,225 - - 1,145,566

1,219,146, , (3,287)( , ) (291,373)( , ) - - - 293,509, - - 630,977,

$ 8,853,444$ 8,853,444 (3,409,608)(3,409,608)( ) (341,033)(341,033)( ) 386,657386,657 - 58,21658,216 3,431,9513,431,951 109109 - 2,115,6162,115,616

683,183 931,747(5)

$ 396,598 254,864 - 6,910 - 19,208 76,763 184,854 - 415,963

34,090,353

(1,962,751)

(1,112,346)

6,914,925

37,930,181

$ 34,486,951$ 34,486,951 (1,707,887)(1,707,887)( ) (1,112,346)(1,112,346)( ) 6,921,8356,921,835 19,208208 76,7637 184 854 38,346,14438,346,144

$ 6,913,541 (3,790,401) - 368,765 - 58,216 3,083,785 69,738 - 396,598

28,178,587

(566,682)

1,105,808

5,372,640

34,090,353

$ 35,092,128$ 35,092,128 (4,357,083)(4,357,083)( ) 1,105,8081,105,808 5,741,4055,741,405 - 58,21658,216 3,083,7853,083,785 69,73869,738 - 34,486,95134,486,951

2,475,007(1,970,974)

A. (Back-to-Back transaction)

B.(Credit spread) 1bp

$ 69,561$ ,, (69,319)( , )( , )

$ 55,978$ ,, (55,881)( , )( , )

107.12.31

$ 645,134

1,130,284 2.02%~3.08%

2,992,403

381,473 0.70%

37,930,181 0.53%~1.22%

366,732 77%~99%

415,963 77%~99%

$ 1,145,566 8.72%~18.92%

630,977 0.76%

34,090,353 1.10%~1.40%

339,073 59%~96%

396,598 59%~96%

3.2,999,554 3,543,157

(B)(a) (Value at Risk, VaR)

(b) (Stress Testing)

(Tail Risk)(c) (Factor Sensitivity)

(C)(PVBP, present value of one basis point)

PVBP0.01%(1

107.12.31 106.12.31C $ (766) (676)EUR (7) 6HKD (160) 139JPY (14) (21)NTD 1,223 414USD (1,269) (3,345)

(188) (378)

(B)(Currency

Pair)(C)

(FX delta FX delta 1%

107.12.31 106.12.31AUD $ 124 (527)CNY 15,494 4,434EUR 2,718 2,670GBP (1,516) 85HKD (4,025) (10,605)JPY (505) 5,562

KRW (86) 32USD (22,007) (23,920)

(845) 6,643

f.(A) (Equity delta)

(B) (Commodity delta)1%

(C) (CR01, Credit01)0.01% 1

107.12.31 106.12.31

1% $ 411 9,824

(957) -

511 580

(53) 478

1 (53) 44

1 (139) (32)

B.a.(A)

(Match-Term Fund Transfer Pricing)

(a) (Repricing Gap Report)

(b)1. 1bp NII 1bp EVE

(1 Basis Point) (Net Interest Income)(Economic Value of Equity) (1bp NII)

(1bp EVE)

2. PVBP

(b)(B)

(FX Delta)(D)

107.12.31

6,5781bp (96,578) 42,127

1% 296 -1% (296) -

1% 26,699 22,1091% (26,699) (22,109)

1,4981bp (101,498) 52,993

1% (12) -1% 12 -

1% - 95,7781% - (95,778)

C.34(a)

107.12.31

$ 28,036,761 30.7330 861,653,776JPY 2,553,121,947 0.2783 710,533,838CNY 29,048,927 4.4854 130,296,057HKD 12,925,527 3.9239 50,718,475SGD 578,081 22.4887 13,000,290

17,406,613 0.9491 16,520,616JPY 6,955,473 0.2783 1,935,708USD 32,873 30.7330 1,010,286CNY 196,844 4.4854 882,925PHP 11,941 0.5844 6,978

$ 35,227,243 30.7330 1,082,638,859JPY 2,518,078,691 0.2783 700,781,300HKD 7,153,779 3.9239 28,070,713CNY 26,043,392 4.4854 116,815,030SGD 160,265 22.4887 3,604,152

106.12.31

USD $ 24,626,329 29.8480 735,046,671JPY 2,687,351,868 0.2649 711,879,510EUR 1,152,543 35.6833 41,126,533AUD 1,463,718 23.2576 34,042,573

468,053 23.7757 11,128,284

THB 17,118,711 0.9150 15,663,621USD 33,228 29.8480 991,786JPY 24,943,526 0.2649 6,607,540

USD $ 24,109,706 29.8480 719,626,500JPY 2,603,704,413 0.2649 689,721,299EUR 1,156,359 35.6833 41,262,703AUD 1,459,961 23.2576 33,955,180CAD 406,818 23.7757 9,672,379

D.a.(A)

( )$ 1,612,249,160 177,418,209 72,985,844 122,464,823 1,985,118,036

525,842,160 1,009,011,367 128,570,396 61,684,519 1,725,108,442

1,086,407,000 (831,593,158) (55,584,552) 60,780,304 260,009,594

295,738,873

115.07

%91 180 1

$ 1,557,616,121 96,327 48,239 109,057,285 1,937,617,972

521,428,782 952,324,513 119,522,340 65,673,702 1,658,949,337

1,036,187,339 (769,528,186) (31,374,101) 43,383,583 278,668,635

279,632,639

116.80

$ 12,784,448 69,636 75,761 3,519,510 17,049,355

9,504,382 11,086,921 1,543,267 1,517,407 23,651,977

3,280,066 (10,517,285) (1,367,506) 2,002,103 (6,602,622)

9,622,844

(68.61)

%91 180

$ 11,837,889 79,863 27,733 2,514,784 15,760,269

7,829,584 12,429,061 1,530,551 1,236,530 23,025,726

4,008,305 (11,549,198) (1,002,818) 1,278,254 (7,265,457)

9,368,555

(77.55)

C.a.(A)

(PD) (LGD) (EAD)

(Masterscale)

(b)(Collateral Recovery Rate)

(Credit Conversion Factor)

a.107.12.31

- 1,550,197 - 13,011,962 14,939 3,420,149 3,581,085 - 21,578,332

754,925,190 - - - - - - - 754,925,190

70,961,362 77,866,083 146,710,776 62,661,967 76,824,386 93,716,974 8,660,504 252,509 537,654,561

3,486,320 3,756,829 - 667,444 800,361 1,754,491 101,309 82,559 10,649,313

267,639,737 262,698,521 19,054,930 49,654,585 141,352,072 178,006,402 104,480,432 9,233,387 1,032,120,066

3,860,354 3,365,753 - 467,169 98,255 1,199,935 107,409 423,866 9,522,741

(145,069) (513,725) - (57,554) (206,448) (99,951) (78,210) (88,360) (1,189,317)

99,313, - - - - 6,045, - 41,474, 146,832,

$ 1,185,092,281$ 1,185,092,281 348,723,658348,723,658 165,765,706165,765,706 126,405,573126,405,573 218,883,565218,883,565 278,004,045278,004,045 116,852,529116,852,529 9,945,4359,945,435 2,449,672,7922,449,672,792

$ 585,780,556$ 585,780,556 142,676,825,676,8 5 67,375,55967,375,559 181,032,2328 ,03 , 3 76,534,81676,53 ,8 6 302,241,30030 , ,300 123,487,6833, 87,683 2,115,130, 5, 30 1,481,244,101, 8 , , 0

107.12.31

$ 66,274,704 45 141,241,362 13 248,

26,382 - 7,830 - 34,212522,490,111, , 52,616,857, , 20,567,033, , - 595,674,001, ,

$ 588 791 197 79 994 002 161 816 225 13 562 600 844,164,024,

$ 72,061,570 - - - - - - - 72,061,570

- 1,323,926 176,521 8,103,581 - 2,133,625 5,013,123 - 16,750,776

676,626,645 - - - - - - - 676,626,645

62,890,944 65,598,962 153,321,103 61,265,240 64,944,730 85,037,739 13,370,059 - 506,428,777

4,861,197 2,523,041 - 535,305 690,400 1,161,981 74,756 258,375 10,105,055

257,209,955 243,136,260 18,456,318 48,567,709 143,646,499 157,685,307 91,820,768 9,017,258 969,540,074

3,896,850 3,156,666 - 464,609 130,107 836,875 247 43,883 8,529,237

(169,913) (565,941) (218) (60,531) (236,953) (43,837) (41,966) (240,254) (1,359,613)

91,962, - - - - 4,336, - - 96,298,

$ 1,077,469,210$ 1,077,469,210 315,172,914315,172,914 171,953,724171,953,724 118,875,913118,875,913 209,174,783209,174,783 246,816,026246,816,026 110,236,987110,236,987 9,079,2629,079,262 2,258,778,8192,258,778,819

106.12.31

$ 86,512,413 048 66 6 2064,276 72,734 137,010

588,147,448 24,231,522 31,542,113 - 643,921,083- 12,306,581, , - - 12,306,581, ,

$ 674,724,137$ , , 58,876,151, , 119,465,013, , 8,769,526, , 861,834,827, ,

$ 33,588,390 45,563,954 142,540,144 26,763,323 248,455,811

34,212 - - - 34,212

84,265,074 - - - 84,265,074

7,458,824 1,027,848 10,608,317 2,483,343 21,578,332

639,376,024 - - - 639,376,024

359 - - - 359

115,548,807 - - - 115,548,807

537,365,830 157,000 97,509 34,222 537,654,561

10,640,186 - 9,127 - 10,649,313

32,406,569 129,456,618 796,016,720 74,240,159 1,032,120,066

1,636,363 186,825 7,670,262 29,291 9,522,741

(340,814) 10,836 (789,147) (70,192) (1,189,317)

468,623,104 60,342,840 54,387,824 12,320,233 595,674,001

99,313, - 47,519, - 146,832,

$ 1,930,702,241$ , , , 236,745,921, , 1,010,588,275, , , 115,800,379, , 3,293,836,816, , ,

$ 1,095,780,286$ , , , 23,721,683, , 328,754,534, , 32,987,598, , 1,481,244,101, , ,

106 12 31

$ 42,212,177 06 21,523,645 20

126,274 - 5,276 5,460 137,010

72,061,570 - - - 72,061,570

4,990,254 1,363,062 7,791,414 2,606,046 16,750,776

567,562,077 - - - 567,562,077

532 - - - 532

109,064,036 - - - 109,064,036

500,672,570 3,500,000 2,256,207 - 506,428,777

10,101,628 - 3,427 - 10,105,055

60,133,554 115,646,068 770,683,114 23,077,338 969,540,074

2,031,945 133,026 6,364,266 - 8,529,237

(308,046) (30,407) (763,908) (257,252) (1,359,613)

549,995,739 36,915,238 42,298,662 14,711,444 643,921,083

92,231, - 12,310,648, , - 12,402,879, ,

$ 1,918,736,541$ , , , 198,980,112, , 941,230,312, , 61,666,681, , 3,120,613,646, , ,

(PD) LGD (EAD)12

a. 3060

45 45b.c.

a.b.c.d.e.f.g.h.

106.12.31

$ 570,913 126,381 61,657 - 758,951

106,210 1,816 675 - 108,701

4,111,896 112,181 24,995 - 4,249,072

2,341,410 298,279 121,569 - 2,761,258

329,871 633 - - 330,504

43,431 1,167 - - 44,598

2,807,661 899,152 217,141 23,459 3,947,413

- - 957 - 957

2,970, (3,789)( , ) (31)( ) - (850)( )

$ 10,314,362$ , , 1,435,820, , 426,963, 23,459, 12,200,604, ,

I.106 12 31

- 3,255,157 - 424,797 2,830,360

649,583 - - 526,663 122,920

- 4,703,371 - 230,544 4,472,827

- 532 - 31 501

- 8,225,161 - 1,122,561 7,102,600

2,502,581 - 323,002 - 2,179,579

77,215 138,165 6,628 736 208,016

5,930,603 1,249,168 915,181 101,542 6,163,048

4,810,093 3,718,187 2,869,595 1,786,100 3,872,585

(409) 4,253 - - 3,844

4,336, 91,962, 269 78,785, 17,244,

$ 14,127,947$ , , 21,385,956, , 4,209,087, , 4,271,759, , 27,033,057, ,

447,868,905870,033,709

0.63%0.37%

1,812,202 811,901,377 0.22% 7,527,006 415.35%38,562 2,165,549 1.78% 87,713 227.46%

1,863,093 112,734,257 1.65% 4,734,402 254.12%- 121 - % 1 - %

150,538 94,440,683 0.16% 999,845 243.12%

87 0.- 21,578,332 - % 782,315 - %

106.12.31

2,710,908 792,624,652 0.34%

1,739,911 749,216,775 0.23% 6,695,029 384.79%

47,264 2,487,566 1.90% 104,823 221.78%

1,774,160 106,744,413 1.66% 4,852,285 273.50%

- 273,766 - % 2,736 - %

157,078 74,391,755 0.21% 788,876 229.72%

186,332 5,180,987 3.60%

16,750,776 - ,

9407 06 0944000378

94 12 1909440010950

94 07 19094000494

( 2)687,286 65,706 719,490 69,932

735,250 213,264 783,130 194,590

1 95 04 25 09510001270

2 97 09 15 09700318940 105 9 2010500134790

(%)A 12%

2 B 16,306,995 5.51%3 C 9,623,607 3.25%4 D 7,127,320 2.41%5 E 6,923,881 2.34%6 F 6,628,455 2.24%7 G 6,489,646 2.19%

8 H 6,300,786 2.13%9 I 6,025,850 2.04%10 J 6,000,000 2.03%

(%)A , , 50%

2 C 9,497,867 3.40%3 B 9,271,347 3.32%4 K 6,917,943 2.47%5 L 6,645,032 2.38%6 G 6,457,217 2.31%7 M 5,934,728 2.12%8 N 5,786,462 2.07%9 O 5,572,616 1.99%10 P 5,283,902 1.89%

a(A) (Maximum Cumulative Outflow, MCO)

107.12.310-30 31-90 91-180 1 1

$ 51,673,603 17,306,366 3,186,498 225 74

1,733,628 664,126 864,956 229,169 118,304 3,610,183

- - - - 37,930,181 37,930,181

54,744,581 6,213,045 - - - 60,957,626

47,298,536 9,232,072 9,540,424 14,314,512 88,582,966 168,968,510

12,239 - 2,273,465 10,591 - 2,296,295

1,944,437,147 382,013,004 257,772,622 418,943,178 153,601,024 3,156,766,975

- - - - 59,000,000 59,000,000

25,915,313 6,920,325 14,311,465 28,224,480 44,539,828 119,911,411

106.12.310-30 31-90 91-180 1 1

$ 57,663,783 9,411,532 4,274,955 513 74

857,875 110,035 596,960 2,224,631 534,375 4,323,876

- - - - 34,090,353 34,090,353

48,194,371 14,548,525 - - - 62,742,896

42,200,075 8,854,702 8,604,827 13,660,028 90,992,800 164,312,432

- - 2,736,000 - - 2,736,000

2,140,109,921 249,966,851 212,303,218 333,922,425 45,542,801 2,981,845,216

- 291,390 1,086,090 8,900,000 59,000,000 69,277,480

68,578,270 5,094,973 7,792,305 14,171,977 37,123,631 132,761,156

107.12.310-30 31-90 91-180 181 -1 1

$ 3,075,313 - - - - 3,075,313

29,809,444 - - - - 29,809,444

155,233 - - - - 155,233

1,374,721, , 1,832,961, , - - - 3,207,682, ,

$ 34,414,711$ 34,414,711, , 1,832,9611,832,961, , - - - 36,247,67236,247,672, ,

106.12.310-30 31-90 91-180 181 -1 1

$ 3,253,055 - - - - 3,253,055

12,349,226 - - - - 12,349,226

61,927 - - - - 61,927

1,346,340 1,792,366 - - - 3,138,706

14,720, - 15,081, 31,126, - 60,927,

$ 17,025,268$ 17,025,268, , 1,792,3661,792,366, , 15,08115,081, 31,12631,126, - 18,863,84118,863,841, ,

107.12.310-30 31-90 91-180 181 -1

$ 1,618,311,548 640,529,076 451,108,389 419,783,745 37,084,691 3,166,817,449

1,620,510,236 642,679,237 456,031,487 423,898,563 34,977,046 3,178,096,569

31,984,532 - - - - 31,984,532

31,842,019, , - - - - 31,842,019, ,

1,650,296,080, , , 640,529,076, , 451,108,389, , 419,783,745, , 37,084,691, , 3,198,801,981, , ,

1,652,352,255, , , 642,679,237, , 456,031,487, , 423,898,563, , 34,977,046, , 3,209,938,588, , ,

$ 2,056,175$ ,056, 75, , 2,150,161, 50, 6, , 4,923,098,9 3,098, , 4,114,818, ,8 8, , (2,107,645)( , 07,6 5)( , , ) 11,136,607, 36,607, ,

106.12.310-30 31-90 91-180 181 -1

$ 965,995,405 752,206,388 414,588,980 296,090,922 11,597,194 2,440,478,889

972,912,315 751,277,993 414,703,438 296,852,032 11,587,671 2,447,333,449

28,722,542 - - - - 28,722,542

28,803,338, , - - - - 28,803,338, ,

994,717,947, , 752,206,388, , 414,588,980, , 296,090,922, , 11,597,194, , 2,469,201,431, , ,

1,001,715,653, , , 751,277,993, , 414,703,438, , 296,852,032, , 11,587,671, , 2,476,136,787, , ,

$ 6,997,706$ 6,997,706, , (928,395)(928,395)( , ) 114,458114,458, 761,110761,110, (9,523)(9,523)( , ) 6,935,3566,935,356, ,

107.12.310-30 31-90 91-180 181 -1 1

$ 60,516,495 - - - 60113,118,176 - - - - 113,118,176

24,896,128 - - - - 24,896,128

537,641,080 - - - - 537,641,080

$ 736,171,879$ 736,171,879, , - - - - 736,171,879736,171,879, ,

106.12.310-30 31-90 91-180 181 -1 1

$ 61,493,801 - - - 61

113,068,310 - - - 113,068,310

22,091,818 - - - - 22,091,818

513,552,736 - - - - 513,552,736

$ 710,206,665$ 7 0, 06,665, , - - - - 710,206,6657 0, 06,665, ,

10 31 91 180 1

$ 248,314 793 0 255,910

2,763,035 180,384 221,406 393,227 376,084 560,924 1,031,010

(205,162) 67,930 75,387 (85,647) (120,174) (350,144) 207,486

0 11 30 3 91 180 1

$ 2,546,270 248,084 39 249,735

2,758,713 193,180 252,822 434,068 363,856 537,122 977,665

(212,443) 236,529 (4,738) (155,429) (114,121) (308,632) 133,948

0 30 31 90 1

$ 80,994,096 36,784,299 16,831,419 , , , , 10,032,019

90,740,142 42,156,848 17,389,195 10,360,006 11,116,285 9,717,808

(9,746,046) (5,372,549) (557,776) (1,220,419) (2,909,513) 314,211

0 30 31 90 1

$ 67,177,780 24,513,908 18,842,741 8,892,652 7,089,084 7,839,395

82,067,818 32,627,180 17,946,067 10,199,762 10,493,601 10,801,208

(14,890,038) (8,113,272) 896,674 (1,307,110) (3,404,517) (2,961,813)

0 30 31 90 91 180 181 1 1$ 43,234,202 21,069,414 8,593,275 3,675,000 5,477,297 19,216

48,283,524 28,958,046 6,669,412 3,792,088 5,994,029 2,869,949

(5,049,322) (7,888,632) 1,923,863 (117,088) (516,732) 1,549,267

0 31 90 91 180 18$ 32,045,978 11,377,225 9,238,702 4,204,286

40,783,615 20,685,327 7,544,444 4,308,722 4,798,902 3,446,220

(8,737,637) (9,308,102) 1,694,258 (104,436) (901,303) (118,054)

$ 10,419,896 10,246,333 10,419,896 10,246,333 173,563

25,263,072 23,881,233 25,263,072 23,881,233 1,381,839

14,733,891 19,337,702 14,733,891 19,337,702 (4,603,811)

27,878,851 26,830,060 27,550,994 26,830,060 720,934

106.12.31

$ 14,987,442 14,515,464 14,987,442 14,515,464 471,978

482,058 451,536 482,058 451,536 30,521

31,549,510 30,656,153 31,549,510 30,656,153 893,357

47,905,315 47,775,896 48,917,076 47,775,896 1,141,180

107.12.31

(a) (b) (c) (a) (b) (e) (c) (d)$ 41,657,037$ 41,657,037, , - 41,657,03741,657,037, , 26,853,45326,853,453, , 7171 11,028,91311,028,913, ,

107.12.31

$ 55,527,228 - 55,527,228 26,544,677 4,990,997 23,991,554

19,337,702, , - 19,337,702, , 14,733,891, , - 4,603,811, ,

$ 74,864,930$ 74,864,930, , - 74,864,93074,864,930, , 41,278,56841,278,568, , 4,990,9974,990,997, , 28,595,36528,595,365, ,

106.12.31

$ 30$ 30 5,220,3415,220,341, , 3,680,7193,680,719, ,

$ 33,357,156 - 33,357,156 21,005,376 2,703,647 9,648,133

30,656,153 - 30,656,153 30,656,153 - -

62,742,896, , - 62,742,896, , 9,273,490, , - 53,469,406, ,

$ 126,756,205$ 126,756,205, , - 126,756,205126,756,205, , 60,935,01960,935,019, , 2,703,6472,703,647, , 63,117,53963,117,539, ,

(Basic Indicator Approach, BIA)(Standardised Approach, SA) (Alternative Standardised Approaches, ASA) (Advanced Measurement Approaches, AMA)

107.12.31 106.12.31272,761,798 259,049,577

26,926,331 27,300,493

31,690,092 31,032,043

331,378,221 317,382,113

2,011,804,287 1,860,029,895

36,343,129 42,196,481

151,391,754 147,601,288

147,693,705 143,127,258

2,347,232,875 2,192,954,922

14.12% 14.47%

11.62% 11.81%

12.77% 13.06%

7.19% 7.16%

107.12.31 106.12.31$ 166,848,260,948 159,720,905,853

33,501,958 555,144,783

107.12.31 106.12.31

$ 29,991,382 -645,067 -- 31,010,012900,940 1,098,087- 480,916613,886 -- 580,509,

$ 32,151,275$ , ,, , 33,169,524, ,, ,

107.12.31 106.12.31

$ -$ 4,524,,

LH Financial Group Public Company Limited

CTBC Asia Limited

CTC Group Inc.

271,898 270,50953.00% 53.75%

7 5 11,534 7,66567,121 69,358

2.10 106

$ 44,00054,000 54,00059,971, 50,412,

$ 157,971$ ,, 153,412,,

3.106.12.3

46,902 46,902 - 0.95%

4.107.12.31

519 2,739,317 2,500,001 2,500,001 -

3,346,842 3,346,842 3,346,842 -

CTC Group Inc. 396,456 386,568 386,568 -

350,000 350,000 350,000 -

245,000 245,000 245,000 -

253,234 236,320 236,320 -

106.12.31

45 $ 20,604 11,182 11,182 -

444 2,356,026 2,194,369 2,194,369 -

2,613,535 2,480,637 2,480,637 -

1,050,000 1,050,000 1,050,000 -

CTC Group Inc. 439,229 385,039 385,039 -

355,000 350,000 350,000 -

376,756 269,573 269,573 -

245,000 245,000 245,000 -

132,026 119,560 119,560 -

$ 44,868,913 15,241,564 0~0.50% 20,248

2,544,117 2,316,988 0~2.98% 35,729

3,463,253 2,129,633 0~1.07% 12,132

2,991,684 1,853,257 0~0.01% 161

1,609,508 1,597,219 0~0.01% 82

3,493,926 1,596,213 0~0.45% 10,651

1,302,000 1,281,396 0~0.01% 72

1,109,917 983,674 0~1.07% 5,934

1,015,780 676,307 0~0.12% 593

545,524 477,163 0~1.09% 2,399

503,096 441,185 0~0.48% 1,558

383,346 383,308 0~0.01% 23

380,945 380,903 0~0.01% 19

299,281 298,642 0.01~1.07% 488

319,913 289,487 0~1.04% 2,060

261,334 261,334 0~0.01% 20

478,310 259,611 0~0.01% 24

212,072 211,977 0~0.01% 10

214,052 209,920 0~1.80% 1,812

566,588 203,714 0~0.05% 167

196,830 196,830 0.10~1.09% 1,910

CTBC Asia Limited 797,989 180,184 0~2.77% 2,710

174,368 169,239 0~1.00% 164

4,599,750 159,930 0~0.22% 74

286,982 159,157 0.01% 9

197,283 148,572 0~1.09% 223

17,594,183 148,137 0~0.22% 73

149,965 143,737 0.01% 8

145,437 143,265 0~0.01% 13

212,242 128,054 0~0.01% 14

128,935 127,784 0~0.01% 11

216,213 124,143 0~0.01% 21

121,930 121,724 0~0.01% 12

111,125 111,125 0~1.07% 308

113,720 110,978 0~0.01% 8

106,657 105,216 0~3.15% 1,082

20,576,665, , 7,885,575, , 42,892,

$ 112,293,833$ 112,293,833, , 41,257,14541,257,145, , 143,714143,714,

106.12.31106

34,900,558 15,996,525 0~0.30% 10,219

3,370,887 2,952,819 0~0.45% 2,030

3,207,376 2,332,749 0~2.02% 23,725

4,940,108 1,921,013 0~1.07% 10,198

1,111,542 909,871 0~1.07% 5,934

1,014,570 699,636 0~0.01% 53

854,835 676,013 0~0.14% 483

808,739 559,505 0~0.01% 45

505,811 480,260 0~0.01% 30

472,821 423,814 0~1.33% 2,106

421,426 421,426 0~0.01% 12

444,002 415,124 0~0.45% 1,347

416,142 377,272 0.01% 23

345,795 298,311 0~1.22% 2,119

299,142 282,671 0~1.53% 1,958

403,474 268,125 0~1.25% 2,681

216,213 216,213 0~0.01% 18

526,591 208,325 0~0.16% 20

201,841 201,841 0~0.01% 10

190,926 190,881 0~0.01% 12

187,030 187,030 0.15~1.22% 1,907

CTBC Asia Limited 222,412 163,428 0.25~1.55% 758

159,505 159,445 0~0.01% 12

211,089 159,153 0~1.22% 193

127,767 127,767 0~0.01% 5

122,080 121,930 0~0.01% 6

462,421 118,402 0~0.01% 20

111,564 107,413 0~0.01% 10

121,080 106,419 0~0.01% 7

234,056 103,700 0~1.22% 165

19,806,901, , 6,898,194, , 36,519,

$ 96,497,555$ 96,497,555, , 56,764,21856,764,218, , 102,706102,706,

107.08.31~

108.03.04

USD 117,250 2,939 2,939

106.12.07~

107.01.11

USD 2,650 (1,109) (1,109)

$ 50,000$ ,,

$ 5,100,560 5,532,257

172,369 59,969

4,345 860

39,396 29,281

33,327 41,401

25,069 23,773

20,019 16,695

5,179 5,802

3,067 -

CTBC Asia Limited 2,978 2,585

2,059 2,006

1,502 439

500 555

5,913, 5,761,

$ 5,416,849$ , ,, , 5,721,384, ,, ,

107.12.31 106.12.31$ 440,987 664,579

1,465 620

2,402 4,743

601 497

359 625

CTBC Asia Limited 85 167

445 436

$ 446,507$ ,, 671,997,,

(2)106

$ 1,221,894 1,290,015 229,376

139,491 131,871137,636 151,001127,427 126,604

ATM 117,206 126,643

44,238 52,842

31,651 32,727

22,387 69,62718,245 14,91017,873 17,04312,400 13,850

10,061 7,8645,071 9,982

5,000 -2,446 8402,262 1,755

2,242 -2,170 8,5682,101 -1,708 -

795 -626 799

- 1,205,$ 2,214,945$ , ,, , 2,526,414, ,, ,

107.12.31 106.12.31

$ 101,266 412,540146 3,779

16,275 5,01133,999 28,681

11,718 12,139

ATM11,588 13,144

5,153 5,147

1,502 5,024

5,564 4,370

2,051 3,4605,100 6,550

81 314

134 157

85 206

$ 195,401$ ,, 500,522,,

(3)107.12.31 106.12.31

$ 478,440 371,2501 140,082 426,851

1 6,296 23,999CTBC Asia Limited 3,479 4,169

227 3,775

2- 2,535,287

8,002 8,184

$ 636,526$ ,, 3,373,515, ,, ,

( )1 106

$ 1,186,667 1,165,36916,620 19,064

414,744, 204,718,$ 1,618,031$ , ,, , 1,389,151, ,, ,

107. 1

- 5,100,000

- 24,492,284

- 10,647,850

- 3,000,000

- 17,646,374

17,125,926 -

66,249 -

1,300 9,400

107.12.31 106.12.31

- 21,800,000

- 391,000

- 741,417

29,900,000 -

391,000 -

1,064,550 -

368,742 473,695

1,050,000

( )107.12.31 106.12.31

$ 85,412,623 83,585,619575,110 969,419

94,305,146 91,164,8662,939,919,751 2,585,480,564

268,568 283,0041,005,007,104 841,738,263

487,664, 444,735,$ 4,125,975,966$ , , ,, , , 3,603,666,470, , ,, , ,

1,316,824,268 1,517,591,873

4.35%2,700,000

2,322,7561,633,851

2,181,339

99 1001 6 7 3,455.41

60,05160,051

13-1 13-75,139,800

224,086

185% 5%

5%5.3 37,261

4,585,125( )

107.12.31 106.12.31 107.12.31 106.12.31

$ 32,486,154 43,595,648 425,228,493 231,962,660

20,162,495 15,753,104 104,016 42,949

169,326,755 204,422,205 547,105,178 540,889,727

285,764,308 278,511,607 31,731,586 67,906,551

19,700,853 19,325,008

2,794,970 1,940,434

88,061 25,149

49,250,605 46,092,141

424,564,283 231,121,155

30,789, 15,436,

$ 1,004,169,273$ 1,004,169,273, , , 840,801,887840,801,887, , 1,004,169,2731,004,169,273, , , 840,801,887840,801,887, ,

3,314,631 2,336,913

107.12.31 106.12.31$ 32,486,154 43,595,648

20,162,495 15,753,104169,326,755 204,422,205285,764,308 278,511,607

19,700,853 19,325,0082,794,970 1,940,434

88,061 25,149

49,191,030 46,006,79859,575, 85,343,

49,250,605, , 46,092,141, ,424,564,283 231,121,155

608 78430,181, 14,652,30,789, 15,436,

$ 1,004,169,273$ , , ,, , , 840,801,887, ,, ,

107 106$ 9,068,760 9,547,473

(1,088,558)( , , ) (603,146)( , )7,980,202 8,944,327

(7,337)( , ) (30,667)( , )$ 7,972,865$ , ,, , 8,913,660, ,, ,

107.12.31 106.12.31$ 1,068,853 1,038,987

1,673,677 2,085,422677,948, 752,552,

$ 3,420,478$ , ,, , 3,876,961, ,, ,

Barclays Bank PLC 3.9

Special Purpose Vehicle8,448 Barclays Bank PLC

3,047 9502,090

3,047950

1002243570005

3,0472,090

957CT Opportunity Investment Company

2,090 CT Opportunity Investment Company 3,047 4,717

261,696

15-213-1 13-7

15-2 13-1 13-7

45 1 102 7 31

24 A 9

107.12.31 106.12.31

0.93 1.01

0.77 0.82

12.42 13.76

10.32 11.27

31.12 32.05

(1.2.3.

- - - 795,471 - - - - - 761,208

5.6.7.8.

440,987 - % - - -

1 84,608 JPY

107.05.25 MillenniumServicing, Ltd

JPY 12,277 JPY 12,280 JPY 3

107.05.25 AozoraServicing, Ltd

JPY 13,274 JPY 13,274 JPY -

107.05.25 Astry Servicing,Ltd

JPY 12,604 JPY 9,542 JPY (3,062)

107.05.25 Abilio Servicer Co., Ltd

JPY 29,739 JPY 29,739 JPY -

107.05.25 Yamada-Servicer.co.jp

JPY 13,143 JPY 13,143 JPY -

107.11.30 AozoraServicing, Ltd

JPY 3,253 JPY 1,342 JPY (1,910)

107.11.30 Abilio Servicer Co., Ltd

JPY 34,946 JPY 40,288 JPY 5,342

107.11.30 MillenniumServicing, Ltd

JPY 11,000 JPY 11,000 JPY -

Servicer.co.jp107.12.10 Japan

CollectionService Co., Ltd

JPY 231,236 JPY 42,150 JPY (189,086)

107.12.26 AozoraBank,Ltd

JPY 193,116 JPY 497,324 JPY 304,208

(2) 1011.

12.107 1

6,146,600 0.16 %

2,335,708 0.06 %

2,304,975 0.06 %

1,444,451 0.04 %

1.02. 1

13.( )

CTB(PhilCorp.

16th to 19thLegend TowStreet corner 3rd AvenueBonifacio Global City,Taguig City, 1634 Philippines

PT BankCTBC Indonesia

Tamara Center, 15th-17th F1., JI JenderalSudirman Kav. 24Jakarta 12920 Indonesia

99.00 % 5,827,643 204,845 1 - 1 99.00 %

1518 West Broadway, Vancouver, B.C.,Canada, V6J 1W8

100.00 % 1,488,940 112,390 2,746 - 2,746 100.00 %

CTBC CapitalCorp.

801 S. Figueroa Street, Suite 2300, Los Angeles,CA 90017, USA

100.00 % 15,474,440 1,146,974 6 - 6 100.00 %

560 1121.15 % 1,975,668 120,323 114,399 - 114,399 21.15 %

CTBC Bank Corp.(USA)

801 S. Figueroa Street, Suite 2300, Los Angeles,CA 90017, USA

100.00 % 14,714,390 1,175,565 3100

- 3100

100.00 %

yBank, Ltd. Ku, Tokyo, 107-8480,

JapanTokyo Star BusinessFinance, Ltd.

2-7-1, Nishi-Shinjuku,Shinjuku, Tokyo

100.00 % 3,203,179 51,370 1,936 - 1,936 100.00 %

TSB Servicer, Ltd.

2-2-17,Akasaka,Minato,Tokyo

100.00 % 568,053 35,987 - - - 100.00 %

AZ-Star Co.,Ltd.

3-2-7, Kudan-minami,Chiyodaku, Tokyo

40.00 % 20,511 59,510 - - - 40.00 %

AZ-Star 1 3-2-7, Kudan-minami,Chiyodaku, Tokyo

43.98 % 105,543 88,260 3 - 3 43.98 %

AZ-Star 3 3-2-7, Kudan-minami,Chiyodaku, Tokyo

30.86 % 153,204 (1,430) 3 - 3 29.35 %

LH FinancialGroup PublicCompanyLimited

1Q.House LumpiniBuilding, 5th Floor,South Sathon Road,Thungmahamek, Sathon,Bangkok 10120

35.62 % 16,520,616 1,033,093 7,544,961 - 7,544,961 35.62 %

34.00 % 761,208 456 - - - 34.00 %

4,114,056USD 130,531

- - 4,114,056USD 130,531

419,088CNY 91,410

419,088 4,378,518

4,081,960CNY 800,000

- - 4,081,960CNY 800,000

195,096CNY 42,642

195,096 3,906,398

1,351,890CNY 100,000USD 29,395

- 1,351,890CNY 100,000USD 29,395

- - 1,351,890

795,471CNY 170,000

- 795,471CNY 170,000

1,341CNY 301

34% 456 761,208

( )( )( )

(USD 365,971) (CNY 1,070,000)

(CNY 3,370,000)

( )107

$ 32,649,395 19,731,878 412,090 52,793,363

17,887,079, , 22,767,500, , 1,928,836, , 42,583,415, ,

50,536,474, , 42,499,378, , 2,340,926, , 95,376,778, ,

$ 20,408,351$ 0, 08,35, , 18,145,7868, 5,786, , (2,822,618)( ,8 ,6 8)( , , ) 35,731,51935,73 ,5 9, ,

$ 2,919,712,453$ 2,919,712,453, , , 975,650,565975,650,565, , 64,214,80064,214,800, , 3,959,577,8183,959,577,818, , ,

15,528,438, , 24,239,163, , 5,742,211, , 45,509,812, ,

46,389,701, , 41,335,239, , 5,958,254, , 93,683,194, ,

$ 18,562,997$ 18,562,997, , 17,805,02817,805,028, , 280,366280,366, 36,648,39136,648,391, ,

$ 2,817,813,347$ 2,817,813,347, , , 880,106,889880,106,889, , 63,578,28463,578,284, , 3,761,498,5203,761,498,520, , ,

107 106

$ 62,826,963 63,411,94127,728,081 25,815,4474,821,734, , 4,455,806, ,

$ 95,376,778$ , ,, , 93,683,194, ,, ,

$ 77,268,546 68,946,86818,507,216 14,252,6652,332,268, , 2,278,783, ,

$ 98,108,030$ , ,, , 85,478,316, ,, ,

168 170 186 18

10200007370980002150

14-52/3

107/1/311621

1. 107 V -

2. (Salary Loan)V -

3. 106 11 2710600159470 V -

4. V -

5. 107 APG V -

6.3 9.4 V -

7. 107 V -

8.107 1.9 (

9. 107 V -

10. V -

11. 38 1,090,218 V -

12. 17 23 99

( )20,305,100 2,055,07322,360,173

13. 107 ( )200,105,415

176,446,526V -

14. 107 2 1 2 2,000 V -

14-52/3

15. 107 2 1 107 7 31 ( )

350 ( )( )

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16. 107 2 1 107 7 31 ( )

115 ( ) ( )

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(107 1 30 )

107/2/271622

1. 106 V -

2. 107 V -

3. V -

4. V -

6.Tata Consultancy Service Limited

62 V -

7. 107892 V -

14-52/3

8.107 12

9. 107 3 1 3 2,000 V -

10. 107 3 1 107 8 31 ( )

600 ( ) ( ) V -

11. 107 ( )193,891,132

170,983,805V -

(107 2 26 )

107/3/211623

1. V -

2. V -

3. V -

4. NYSDFSTitle 3 NYCRR Part 504 Part

504 V -

5. 106 V -

6. V -

7. 107 5,400 V -

8. 107 4,400 V -

14-52/3

9. 1071,420 V -

10. ( ) ()

( ) 0.753

12. V -

13. ( ) ( )14.69 V -

14. Arrium 3,304,901.02 V -

15. KINGS ELECTRIC COMPANY LTD 5 57 5 14,914,690.06

16. 107 ( ) 203,543,613

176,174,682V -

(107 3 20 )

107/4/161624

1. 10% V -

(107 4 16 )

107/4/271625

1. 107 V -

2. V -

3. 106 V -

4. V -

5. V -

14-52/3

6. 106 ( )228 8 V -

5.09 ( )V -

8.3,200 V -

9.79,895,160

( )V -

10. V -

11.113 V -

12. 107 5 1 107 10 31 ( )

35 ( )( ) V -

13. 107 ( ) 219,877,087

186,802,883V -

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(107 4 26 )

107/5/251627

1.( )(PCM)

2. (Standard Chartered Bank, SCB”)Rizal Commercial Banking

Corporation (RCBC) 3 ()

14-52/3

3. 10740,000,000 V -

4. V -

5. ( ) V -

6. 107 ( ) 225,851,202

185,880,869V -

7. V -

8. ( )V -

9. ( )V -

10. ( ) ( )V -

(107 5 24 )

107/6/211628

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3. V -

4. 7 1 720

6. 44 73160 (

)116,535,525 2,285,979118,821,504

14-52/3

7. 107 ( ) 207,639,940

176,560,872 V -

8. V -

1020015656110300095190

10. ( ) ( )V -

11. V -

(107 6 20 )

107/7/271629

1. V -

2. V -

3. 106 V -

4. V -

5.- 30%

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JPY 17 ( NTD4.66 JPY12.4

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9. 107 8 1 108 1 31 ( ) 231

( )( ) V -

10. 107 8 1 108 1 31 ( )

350 ( )( ) V -

11. 107 8 1 108 1 31 ( )

115 ( )( ) V -

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600 ( )( ) V -

13. 107 8 1 108 1 31 ( )

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14. 8 1 820

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15,070,841.35

16. 107 ( ) 217,538,793

178,643,370V -

14-52/3

17.V -

18. V -

19. V -

(107 7 26 )

107/8/291630

1. V -

2. 107 V -

3. 106 V -

( ) V -

6.88 1 6

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1079,000 ( )

8./ V -

9. Land and Houses Bank Public Company Limited (LH Bank) V -

11. CECEP COSTIN NEW MATERIALS GROUP LTD. 5 24

1 51,937,045.30 V -

14-52/3

12. 44 75 155

( )363,210,663 5,012,143368,222,806

13. 107 ( ) 219,778,800

181,828,052V -

14. 9 1 920

( )V -

(107 8 28 )

107/9/121631

1.34 1 V -

2.107 V -

(107 9 12 )

107/9/271632

1. V -

2. (Foreign Account Tax Compliance Act FATCA) FATCA

(Responsible Officer RO)( )

(The Internal Revenue Service IRS)

3.2018

1,500 ( )V -

39 V -

5. 10 1 10 20

14-52/3

6. 107 ( ) 216,298,643

185,270,075V -

8. V -

(107 9 26 )

107/10/311633

1. 107 V -

2. 108 1 1 LINE PayLINE Pay

8 (108-115 )19.44

3. V -

4. V -

5. V -

6. V -

7. COLLECTIONSERVICE AGREEMENT V -

8. 107 11 1 108 4 30 ( ) 35

( )( ) V -

9. 11 1 11 20

10. 107 ( ) 232,828,538

186,276,786V -

14-52/3

11. (CTBC Bank Corp.(USA))( )(CTBC Bank Corp.(Canada))

( ) (CTBC Bank (Philippines)Corp.) ( )(PT Bank CTBC Indonesia) (The Tokyo Star Bank,Limited) LH Bank(Land and House Bank Public company Limited)

12. ( ) ( )V -

(107 10 29 )

107/11/121635

1. V -

(107 11 12 )

107/11/231636

1. V -

2. V -

3. 107 V -

4. 108 V -

5. V -

200 V -

7.108 12

8. V -

9. AZ Star AZ-Star3 30 V -

10. 12 2086 (

)352,976,039 2,117,608 355,093,647

14-52/3

11. 107( )218,038,176

187,526,190V -

12. V -

13. 12 1 1220

14.100 V -

15. 108( 108 1 1 108 12

31 )V -

2018 V -

(107 11 22 )

107/12/211637

1. 107 108 V -

3. V -

4.CTBC

Bank Co., Ltd. Management Policy for Foreign Account Tax Compliance Act

5. V -

6. LINE FinancialTaiwan Limited( LINE) LINE Bank 100 5% (

) (Joint Venture Agreement)

14-52/3

22 336.04 ( )

8.( ) 0.648

( ) ( PCM)

60,050,985( )

47,856,392 ( )V -

10.107 12

2,304,410 V -

11. 107 1

9,168 V -

12. (OfficeAutomation, OA) (End of Service, EOS)

Office 365JPY13.32 ( TWD 3.63

13. 1074,386,342 ( ) V -

14. 10855,426,342 ( ) V -

15. 108 V -

16. ( )

5,689 V -

17. ()90,000 107 10

2.46%45,000

14-52/3

18. 107 ( ) 221,977,725

186,806,393V -

19.( )109

( ) 40

20. V -

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董事長

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