Annual Report 2 019 C Tb C Bank Co., Ltd
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Taiwan Cooperative Bank, Thanks to the Use of Its Branch Network and Its Advantage As a Local Operator, Again Created Brilliant Operating Results for the Year
Stock No: 5854 TAIWAN COOPERATIVE BANK SINCE 1946 77, KUANCHIEN ROAD, TAIPEI TAIWAN TAIWAN, REPUBLIC OF CHINA COOPERATIVE TEL: +886-2-2311-8811 FAX: +886-2-2375-2954 BANK http://www.tcb-bank.com.tw Spokesperson: Tien Lin / Kuan-Young Huang Executive Vice President / Senior Vice President & General Manager TEL : +886-2-23118811 Ext.210 / +886-2-23118811 Ext.216 E-mail: [email protected] / [email protected] CONTENTS 02 Message to Our Shareholders 06 Financial Highlights 09 Organization Chart 10 Board of Directors & Supervisors & Executive Officers 12 Bank Profile 14 Main Business Plans for 2008 16 Market Analysis 20 Risk Management 25 Statement of Internal Control 28 Supervisors’ Report 29 Independent Auditors’ Report 31 Financial Statement 37 Designated Foreign Exchange Banks 41 Service Network Message to Our Shareholders Message to Our Shareholders Global financial markets were characterized by relative instability in 2007 because of the impact of the continuing high level of oil prices and the subprime crisis in the United States. Figures released by Global Insight Inc. indicate that global economic performance nevertheless remained stable during the year, with the rate of economic growth reaching 3.8%--only marginally lower than the 3.9% recorded in 2006. Following its outbreak last August, the negative influence of the subprime housing loan crisis in the U.S. spread rapidly throughout the world and, despite the threat of inflation, the U.S. Federal Reserve lowered interest rates three times before the end of 2007, bringing the federal funds rate down from 5.25% to 4.25%, in an attempt to avoid a slowdown in economic growth and alleviate the credit crunch. -
CTBC Holding Public Resolution Plan 2013
CTBC Financial Holding Co., Ltd. 165(d) Resolution Plan Public Section December 31, 2013 US Resolution Plan – Public Section Table of Contents A. Introduction ......................................................................................................2 1. Overview of CTBC Holding ...................................................................3 2. Overview of CTBC Holding’s U.S. Presence ......................................4 B. The Names of Material Entities ....................................................................4 1. Definition ..................................................................................................4 2. Identification of Material Entity ..............................................................4 C. Description of Core Business Lines ............................................................5 1. Definition ..................................................................................................5 2. Identification of Core Business Lines ..................................................5 D. Summary of Financial Information Regarding Assets, Liabilities, Capital and Major Funding Sources ........................................................................7 1. Balance Sheet .........................................................................................7 2. Capital .......................................................................................................9 3. Major Funding Sources ..........................................................................9 -
ZONE COUNTRIES OPERATOR TADIG CODE Calls
Calls made abroad SMS sent abroad Calls To Belgium SMS TADIG To zones SMS to SMS to SMS to ZONE COUNTRIES OPERATOR received Local and Europe received CODE 2,3 and 4 Belgium EUR ROW abroad (= zone1) abroad 3 AFGHANISTAN AFGHAN WIRELESS COMMUNICATION COMPANY 'AWCC' AFGAW 0,91 0,99 2,27 2,89 0,00 0,41 0,62 0,62 3 AFGHANISTAN AREEBA MTN AFGAR 0,91 0,99 2,27 2,89 0,00 0,41 0,62 0,62 3 AFGHANISTAN TDCA AFGTD 0,91 0,99 2,27 2,89 0,00 0,41 0,62 0,62 3 AFGHANISTAN ETISALAT AFGHANISTAN AFGEA 0,91 0,99 2,27 2,89 0,00 0,41 0,62 0,62 1 ALANDS ISLANDS (FINLAND) ALANDS MOBILTELEFON AB FINAM 0,08 0,29 0,29 2,07 0,00 0,09 0,09 0,54 2 ALBANIA AMC (ALBANIAN MOBILE COMMUNICATIONS) ALBAM 0,74 0,91 1,65 2,27 0,00 0,41 0,62 0,62 2 ALBANIA VODAFONE ALBVF 0,74 0,91 1,65 2,27 0,00 0,41 0,62 0,62 2 ALBANIA EAGLE MOBILE SH.A ALBEM 0,74 0,91 1,65 2,27 0,00 0,41 0,62 0,62 2 ALGERIA DJEZZY (ORASCOM) DZAOT 0,74 0,91 1,65 2,27 0,00 0,41 0,62 0,62 2 ALGERIA ATM (MOBILIS) (EX-PTT Algeria) DZAA1 0,74 0,91 1,65 2,27 0,00 0,41 0,62 0,62 2 ALGERIA WATANIYA TELECOM ALGERIE S.P.A. -
Central Bank of the Republic of China (Taiwan)
Central Bank of the Republic of China (Taiwan) Financial Stability Report May 2016 | Issue No. 10 Table of contents About the Financial Stability Report ..................................................................................... I Abstract ..................................................................................................................................... I I. Overview................................................................................................................................ 1 II. Macro environmental factors potentially affecting financial sector ............................ 13 2.1 International economic and financial conditions .......................................................... 13 2.2 Domestic economic conditions ..................................................................................... 29 2.3 Non-financial sectors .................................................................................................... 34 III. Financial sector assessment ............................................................................................ 49 3.1 Financial markets .......................................................................................................... 49 3.2 Financial institutions ..................................................................................................... 58 3.3 Financial infrastructure ................................................................................................. 89 IV. Measures to maintain financial stability -
TCS Bancs 33F.Indd
capital markets AT A GLANCE Company: CTBC Bank Headquarters: Taipei, Taiwan Business Challenge: To modernize custodian services with Bank international standards for CTBC institutional clients. Bank modernizes for Solution: TCS BaNCS Global Securities institutional clients and Investments Platform on the TCS BaNCS Global Securities Platform Kamal Khurana, Global Product Head, TCS BaNCS Global Securities Platform CTBC Bank identified several potential areas for improvement in: CTBC Bank combines strengths in institutional banking, international business, and capital l Customized reporting for The search for a solution lasted about two markets with a strong presence in Taiwan retail institutional clients years. The evaluation team considered fourteen banking for wealth management, loan and l vendors in terms of domain knowledge, payment services. Notifications and management of technology, and references, leading to the final The initial objective was to adopt global Corporate Actions To address the growing securities custody selection of the TCS BaNCS Global Securities standards and best practices with the needs of institutional customers, CTBC sought l Customer management and and Investments Platform. TCS was unmatched deployment of TCS BaNCS, which has to modernize its technology architecture. profiling in terms of analyst recognition across domains benefitted from continuous improvements Legacy systems had been built independently and presence among the top global custodians. driven by a global client base of top custodian l SWIFT integration and adoption for Taiwan and Hong Kong, leading to TCS also benefitted from strong word-of-mouth banks. The parameterized and modularized duplication and inefficiency, along with time- of international standards recommendations from peer institutions, and application enables the bank to apply the full consuming customizations for regulatory (e.g. -
Fact Sheet:State Street Defensive Emerging Markets Equity Fund
State Street Defensive Emerging Markets Equity Fund - Class K Equity 30 June 2021 Fund Objective Total Return The State Street Defensive Emerging Markets Equity Fund seeks to provide MSCI Emerging maximum total return, primarily through capital appreciation, by investing Cumulative Fund at NAV Market Index primarily in securities of foreign issuers. QTD 5.52% 5.05% Process YTD 12.79 7.45 In seeking to identify stocks offering the potential for capital growth, the Annualized Adviser employs a proprietary quantitative process. The process evaluates 1 Year 37.80 40.90 the relative attractiveness of eligible securities based on the correlation 3 Year 8.25 11.27 of certain historical economic and financial factors (such as measures of 5 Year 8.45 13.03 growth potential, valuation, quality and investor sentiment) and based on other historical quantitative metrics. 10 Year 0.96 4.28 The Adviser also uses a quantitative analysis to determine the expected volatility of a stock's market price. Volatility is a statistical measurement of up and down fluctuations in the value of a security over time. Gross Expense Ratio 1.52% Through these quantitative processes of security selection and portfolio Net Expense Ratio^ 1.00% diversification, the Adviser expects that the portfolio will be subject to a 30 Day SEC Yield 1.41% relatively low level of absolute risk (as defined by statistical measures of 30 Day SEC Yield (Unsubsidized) 1.34% volatility, such as standard deviation of returns) and should exhibit relatively Maximum Sales Charge - low volatility compared with the Index over the long term. There can be no assurance that the Fund will in fact achieve any targeted level of volatility or experience lower volatility than the Index, nor can there be any assurance Performance quoted represents past performance, which is no guarantee of that the Fund will produce returns in excess of the Index. -
International Exchange 2020
KINDAI 近畿大学国際交流 UNIVERSITY INTERNATIONAL EXCHANGE 2020 E 3 [e-cube] KUDOS Kindai bluefin tuna The Village-English, Enjoyment, Education ACADEMIC THEATER (Center for Data Processing Education) Kindai University Introduction of Kindai University Kindai University, also referred to as Kindai, has six campuses around western Japan and is one of the nation’s largest universities. Its main campus is located in Osaka and is officially called the Higashiosaka Campus. The university has a total of 14 faculties, nine of which are situated at the Higashiosaka campus. Among the 14 faculties, the Faculty of Business Administration, the Faculty of Applied Sociology and the Faculty of Science and Engineering attract many international students. The Higashiosaka campus is convenient- ly located near the business center of Osaka via train in less than fifteen minutes. Moreover, it takes only one hour to Kyoto, Nara or Kobe by train. Therefore, while you study at Kindai during the week, you can easily visit and enjoy many of Japan’s oldest and most historical cities on the weekend. The Higashiosaka campus is rather large (470,000m2 ) for an urban Japanese university. It is a modern university with up-to-date fa- cilities. The Central Library has more than 1.5 million books, including many rare and valuable manuscripts. A new library with a large proportion of manga opened in 2017, which is home to around 70,000 books including about 22,000 comics, with a 2400-seat self- study space open for 24 hours. One of the great academic achievements of Kindai University is the full-cycle aquaculture method used to farm the endangered Blue- fin tuna. -
6-Translation Exercises Unit11-15
6 Translation: For Each Part 189 6. Translation Exercises, Units 11–24: For Each Part (Lesson) Unit 11, Part 1: Translation Exercise NAME ____________________________________________ COURSE ___________________________ DATE ___________________________ Translate the following sentences into Pinyin romanization with correct tone marks. If you have forgot- ten a word, consult the English-Chinese Glossary in the back of your textbook. 1. Relax, there is no problem. 2. Eat faster, we only have half an hour. 3. How long have you been in America? 4. That was terrifying! Drive more slowly, OK? 5. She has been working at the Bank of Taiwan for ten years. IIMCMC SSpeakingpeaking & ListeningListening PB_INT.inddPB_INT.indd 189189 119/10/179/10/17 22:16:16 ppmm 190 6 Translation: For Each Part Unit 11, Part 2 Unit 11, Part 2: Translation Exercise NAME ____________________________________________ COURSE ___________________________ DATE ___________________________ Translate the following sentences into Pinyin romanization with correct tone marks. If you have forgot- ten a word, consult the English-Chinese Glossary in the back of your textbook. 1. How often is there a bus? 2. There’s a bus every fifteen minutes. 3. Strange, she hasn’t come for two weeks. 4. I normally drive a car; I haven’t taken the subway for a long time. 5. That’s embarrassing; the $10 dollar ones are all sold out, only the $15 ones are left. IIMCMC SSpeakingpeaking & ListeningListening PB_INT.inddPB_INT.indd 190190 119/10/179/10/17 22:16:16 ppmm Unit 11, Part 3 6 Translation: For Each Part 191 Unit 11, Part 3: Translation Exercise NAME ____________________________________________ COURSE ___________________________ DATE ___________________________ Translate the following sentences into Pinyin romanization with correct tone marks. -
Taiwan's Top 50 Corporates
Title Page 1 TAIWAN RATINGS CORP. | TAIWAN'S TOP 50 CORPORATES We provide: A variety of Chinese and English rating credit Our address: https://rrs.taiwanratings.com.tw rating information. Real-time credit rating news. Credit rating results and credit reports on rated corporations and financial institutions. Commentaries and house views on various industrial sectors. Rating definitions and criteria. Rating performance and default information. S&P commentaries on the Greater China region. Multi-media broadcast services. Topics and content from Investor outreach meetings. RRS contains comprehensive research and analysis on both local and international corporations as well as the markets in which they operate. The site has significant reference value for market practitioners and academic institutions who wish to have an insight on the default probability of Taiwanese corporations. (as of June 30, 2015) Chinese English Rating News 3,440 3,406 Rating Reports 2,006 2,145 TRC Local Analysis 462 458 S&P Greater China Region Analysis 76 77 Contact Us Iris Chu; (886) 2 8722-5870; [email protected] TAIWAN RATINGS CORP. | TAIWAN'S TOP 50 CORPORATESJenny Wu (886) 2 872-5873; [email protected] We warmly welcome you to our latest study of Taiwan's top 50 corporates, covering the island's largest corporations by revenue in 2014. Our survey of Taiwan's top corporates includes an assessment of the 14 industry sectors in which these companies operate, to inform our views on which sectors are most vulnerable to the current global (especially for China) economic environment, as well as the rising strength of China's domestic supply chain. -
Ctbc Financial Holding Co., Ltd. and Subsidiaries
1 Stock Code:2891 CTBC FINANCIAL HOLDING CO., LTD. AND SUBSIDIARIES Consolidated Financial Statements With Independent Auditors’ Report For the Six Months Ended June 30, 2019 and 2018 Address: 27F and 29F, No.168, Jingmao 2nd Rd., Nangang Dist., Taipei City 115, Taiwan, R.O.C. Telephone: 886-2-3327-7777 The independent auditors’ report and the accompanying consolidated financial statements are the English translation of the Chinese version prepared and used in the Republic of China. If there is any conflict between, or any difference in the interpretation of the English and Chinese language independent auditors’ report and consolidated financial statements, the Chinese version shall prevail. 2 Table of contents Contents Page 1. Cover Page 1 2. Table of Contents 2 3. Independent Auditors’ Report 3 4. Consolidated Balance Sheets 4 5. Consolidated Statements of Comprehensive Income 5 6. Consolidated Statements of Changes in Stockholder’s Equity 6 7. Consolidated Statements of Cash Flows 7 8. Notes to the Consolidated Financial Statements (1) History and Organization 8 (2) Approval Date and Procedures of the Consolidated Financial Statements 8 (3) New Standards, Amendments and Interpretations adopted 9~12 (4) Summary of Significant Accounting Policies 12~39 (5) Primary Sources of Significant Accounting Judgments, Estimates and 40 Assumptions Uncertainty (6) Summary of Major Accounts 40~202 (7) Related-Party Transactions 203~215 (8) Pledged Assets 216 (9) Significant Contingent Liabilities and Unrecognized Contract 217~226 Commitment (10) Significant Catastrophic Losses 227 (11) Significant Subsequent Events 227 (12) Other 227~282 (13) Disclosures Required (a) Related information on significant transactions 283~287 (b) Related information on reinvestment 287~289 (c) Information on investment in Mainland China 289~290 (14) Segment Information 291 KPMG 11049 5 7 68 ( 101 ) Telephone + 886 (2) 8101 6666 台北市 信義路 段 號 樓 台北 大樓 68F., TAIPEI 101 TOWER, No. -
Chbannualreport2006.Pdf
൴֏ˠ Spokesman щ NameĈJames ShihޙؖЩĈ߉ ᖚჍĈઘᓁགྷந TitleĈExecutive Vice President ྖĈ(02)2536-295102)2536-2951)2536-29512536-2951 TelĈ(02) 2536-2951 E-mail [email protected] ̄ฎІܫቐĈ[email protected] Ĉ Acting Spokesman ந൴֏ˠ NameĈJames Y.G.Chen ؖЩĈౘ̯ซ TitleĈExecutive Vice President ᖚჍĈઘᓁགྷந TelĈ(02) 2536-2951 ྖĈ(02)2536-295102)2536-2951)2536-29512536-2951 E-mailĈ[email protected] ̄ฎІܫቐĈ[email protected] Addresses of Chang Hwa Bank Head Office ᓁҖгӬ Ŝ Taichung: 38,Tsu Yu Rd., Sec. 2,Taichung,Taiwan, R.O.C. Ŝ έ̚Ĉέ̚ᦦҋϤྮ˟߱38ཱི Tel: (04) 2222-2001 ྖĈ(04)2222-2001 Ŝ Taipei: 57, Chung Shan N. Rd., Sec. 2,Taipei,Taiwan, Ŝ έΔĈέΔᦦ̋̚Δྮ˟߱57ཱི R.O.C. ྖĈ(02)2536-2951 Tel: (02) 2536-2951 Web Site: http://www.chb.com.tw ᅙҖშӬĈhttp://www.chb.com.tw Stock Registration Offices of Chang Hwa Bank Ᏹந۵ை࿅͗፟ၹ Ŝ Name: Shareholders' Service Section, Secretariat Division .Ŝ ЩჍĈၓ̼ᅙҖ৪३۵ચࡊ Address: 38,Tsu Yu Rd., Sec. 2,Taichung,Taiwan, R.O.C гӬĈέ̚ᦦҋϤྮ˟߱38ཱི Tel: (04) 2222-2001 ྖĈ(04)2222-2001 Ŝ Name:Taipei Service Center of Shareholders' Service Ŝ ЩჍĈၓ̼ᅙҖ৪३۵ચࡊ Section, Secretariat Division ,ચ͕̚ Address: 57, Chung Shan N. Rd., Sec. 2,Taipei,TaiwanڇāāāέΔ гӬĈέΔᦦ̋̚Δྮ˟߱57ཱི R.O.C. ྖĈ(02)2536-2951 Tel: (02) 2536-2951 შӬĈhttp://www.chb.com.tw Web Site: http://www.chb.com.tw Credit Rating Agency ܫϡෞඈ፟ၹ Moody's Taiwan Corporation ϡෞඈ۵Њѣࢨ̳ΦܫЩჍĈ᎗࢚ AddressĈRm. 1813, 18F,333, Keelung Rd., Sec 1, 110 333 18 1813 гӬĈέΔᦦ ૄษྮ˘߱ ཱི ሁ ވ Taipei, 110 Taiwan ྖĈ(02) 2757-7125 Tel: 886-2-2757-7125 ็ৌĈ(02) 2757-7129 Fax: 886-2-2757-7129 ᘪᙋົࢍर CPA-auditor of the Financial Report னЇົࢍर Present CPA ؖЩĈችԈேăਃၷᐌ NameĈHung-Hsiang Tsai, Long-Swei Won ࢍरְચٙ CompanyĈDeloitte & ToucheົܫચٙЩჍĈ๔ຽிְ 3߱156ཱི12ሁ AddressĈ12th Floor, Hung-TaiPlaze 156 MinSheng EastྮڌડϔϠ̋ڗгӬĈέΔξ105 Rd., Sec. -
List of Insured Financial Institutions (PDF)
401 INSURED FINANCIAL INSTITUTIONS 2021/5/31 39 Insured Domestic Banks 5 Sanchong City Farmers' Association of New Taipei City 62 Hengshan District Farmers' Association of Hsinchu County 1 Bank of Taiwan 13 BNP Paribas 6 Banciao City Farmers' Association of New Taipei City 63 Sinfong Township Farmers' Association of Hsinchu County 2 Land Bank of Taiwan 14 Standard Chartered Bank 7 Danshuei Township Farmers' Association of New Taipei City 64 Miaoli City Farmers' Association of Miaoli County 3 Taiwan Cooperative Bank 15 Oversea-Chinese Banking Corporation 8 Shulin City Farmers' Association of New Taipei City 65 Jhunan Township Farmers' Association of Miaoli County 4 First Commercial Bank 16 Credit Agricole Corporate and Investment Bank 9 Yingge Township Farmers' Association of New Taipei City 66 Tongsiao Township Farmers' Association of Miaoli County 5 Hua Nan Commercial Bank 17 UBS AG 10 Sansia Township Farmers' Association of New Taipei City 67 Yuanli Township Farmers' Association of Miaoli County 6 Chang Hwa Commercial Bank 18 ING BANK, N. V. 11 Sinjhuang City Farmers' Association of New Taipei City 68 Houlong Township Farmers' Association of Miaoli County 7 Citibank Taiwan 19 Australia and New Zealand Bank 12 Sijhih City Farmers' Association of New Taipei City 69 Jhuolan Township Farmers' Association of Miaoli County 8 The Shanghai Commercial & Savings Bank 20 Wells Fargo Bank 13 Tucheng City Farmers' Association of New Taipei City 70 Sihu Township Farmers' Association of Miaoli County 9 Taipei Fubon Commercial Bank 21 MUFG Bank 14