Taiwan Cooperative Bank

Total Page:16

File Type:pdf, Size:1020Kb

Taiwan Cooperative Bank WorldReginfo - d34f533a-0ea0-4cf5-acf7-61ec7cc17e10 6SRNHNHVSHUVRQ''HSXW\66SRNHNHVSHUVRQ 1DPH.XDQJ+XD+X0HL7VX&KHQ1DPH0HL7VX&KHQ&KXQ/XQJ&KRX 7LWOH6HQLRU9LFH3UHVLGHQW *HQHUDO0DQDJHU7LWOH([HFXWLYH9LFH3UHVLGHQW 7HO7HO (PDLOHYSBGDYLGKX#WFEEDQNFRPWZHYSBFKHQP]#WFEEDQNFRP(PDLOHYSBFKHQP]#WFEEDQNFRPWZHYSBFKXQOXQJ#WFEEDQNFRPWZWZ +H+HDG22IILFLFH $GGUHVV1R*XDQ4LDQ5G-KRQJMKHQJ'LVW7DLSHL&LW\7DLZDQ$GGUHVV 1R 6HF &KDQJಬDQ ( 5G 6RQJVKDQ 'LVW 7DLSHL &LW\ (ᣂ߻) 7HO7DLZDQ :HEVLWHKWWSZZZWFEEDQNFRPWZ7HO :HEVLWHKWWSZZZWFEEDQNFRPWZ $ XGLWRUV 'HORLWWH 7RXFKH$XGLWRUV $GGUHVV'HORLWWH 7RXFKHWK)ORRU+XQJ7DL)LQDQFLDO3OD]D0LQ6KHQJ(DVW5G6HF $GGUHVV)1R6HF0LQVKHQJ(5G6RQJVKDQ'LVW7DLSHL&LW\7DLZDQ 7DLSHL&LW\ 7HO7DLZDQ 7HO:HEVLWHZZZGHORLWWHFRPWZ :HEVLWHZZZGHORLWWHFRPWZ &UHGLW 5DWLQJ$JHQF\ &7DLZDQ5DWLQJVUHGLW 5DWLQJ$J HQF\ 7DLZDQ5DWLQJV$GGUHVVWK)ORRU7DLSHL7RZHU1R ;LQ\LURDG6HFWLRQ7DLSHL $GGUHVV)7DLSHL7RZHU1R6HF;LQ\L5G;LQ\L7DLZDQ 'LVW7DLSHL&LW\ 7HO7DLZDQ 7HO 6WDQGDUG 3RRUಬV&RUS $GGUHVV8QLW/HYHO,QWHUQDWLRQDO&RPPHUFH&HQWUH$XVWLQ5RDG6WDQGDUG 3RRUಬV&RUS :HVW $GGUHVV 8QLW.RZORRQ+RQJ.RQJ /HYHO ,QWHUQDWLRQDO &RPPHUFH &HQWUH $XVWLQ 5RDG :HVW 7HO.RZORRQ+RQJ.RQJ 7HO Taiwan Cooperative Bank &KDLUPDQ 1RWLFHWRUHDGHUV 7KLV(QJOLVKYHUVLRQDQQXDOUHSRUWLVDVXPPDU\WUDQVODWLRQRIWKH&KLQHVHYHUVLRQDQGLVQRWNotice to readers ThisDQ RIILFLDO English GRFXPHQW version annual RI WKH report VKDUHKROGHUV¶ is a summary PHHWLQJ translation ,I WKHUH of LV the DQ\ Chinese GLVFUHSDQF\ version EHWZHHQ and is not WKH an(QJOLVKYHUVLRQDQG&KLQHVHYHUVLRQWKH&KLQHVHYHUVLRQVKDOOSUHYDLO official document of the shareholders’ meeting. If there is any discrepancy between the English version and Chinese version, the Chinese version shall prevail. WorldReginfo - d34f533a-0ea0-4cf5-acf7-61ec7cc17e10 Contents 2 Message to Shareholders 3 Major Achievements in 2017 5 Operating Performance in 2017 5 Operating Strategies for 2018 8 Business Targets for 2018 8 Credit Ratings 9 Bank Profile 9 Date of Establishment 9 History 11 Corporate Governance Report 11 Organization Chart 12 Bank’s Subsidiaries Chart 12 Major Corporate Functions 14 Directors, Supervisors and Executive Officers 15 Major Shareholder 15 Corporate Governance Execution Status and Deviations 17 Implementation of Corporate Social Responsibility 20 Operational Highlights 20 Annual Business Plans for 2018 22 Market Analysis 24 Human Resources 25 Financial Information 25 Condensed Consolidated Balance Sheets 26 Condensed Consolidated Statements of Comprehensive Income 26 Financial Analysis 27 Supervisors’ Report 28 Consolidated Financial Statements 105 Stand Alone Financial Statements 112 Risk Management 112 Credit Risk Management System 113 Operational Risk Management System 115 Market Risk Management System 117 Head Office and Branches 117 Head Office 118 Domestic Branches 129 Overseas Units WorldReginfo - d34f533a-0ea0-4cf5-acf7-61ec7cc17e10 1. Message to Shareholders As the global economy grew steadily in 2017, the overall economic situation and the employment market recovered moderately. Domestic economy benefited from the continuous increase in global trade, therefore driving a higher momentum for exportation. The banking industry has also experienced rapid development of financial technology (Fin-Tech), thereby expanding the scope of services and boosting operating performance. However, the growth of deposits was still stronger than the growth of lending, while the pressure on allocation of funds still remained. Looking forward to 2018, the global economy is expected to grow continuously. With improvements in the domestic employment market, consumers' willingness to purchase is also expected to improve. However, due to factors such as the rise of trade protectionism, aging population, declining fertility rate and geopolitical tensions, the Directorate-General of Budget, Accounting and Statistics (DGBAS) Executive Yuan estimates the economic growth rate for 2018 to be 2.42%. In terms of financial conditions, the government continues to open up new opportunities in the Fin-Tech industry, and encourages the financing of Innovative Industries at the same time. Rising expectations for interest rate hike, which continues to improve the low interest rate environment, will also help enhance the profitability of domestic banks. Following the principles of stable operations and equally balancing quality and quantity, we will continue to expand high-quality loan assets, consolidate our core business niche, keep abreast of FinTech trends, advance digital financial services, access the effectiveness of integrated marketing, provide customers with high-quality financial services and introduce innovative capabilities in order to achieve our performance targets. At the same time, we will extend our care for the society over the long term, promote the spirit and importance of sports. hold various sports activities and sports camps. Realize the vision of "having taken from the society, now we strive to give back" and fulfill our corporate social responsibility. Our major achievements in 2017 and operating strategies for 2018 are described briefly below: Chairman Chung-Dar Lei 2 Annual Report 2017 WorldReginfo - d34f533a-0ea0-4cf5-acf7-61ec7cc17e10 Taiwan Cooperative Bank 1.1 Major Achievements in 2017 A. Capital Adequacy In 2017, we underwent a cash capital increase of NT$5 billion and issued subordinated debentures of NT$2 billion, which effectively improved our capital adequacy and strengthened our capital structure. At the end of 2017, our capital adequacy ratio, Tier 1 capital ratio, and common equity ratio were 13.44%, 10.32%, and 10.32% respectively, have achieved annual target successfully. B. Deposits At the end of 2017, our deposit balance was NT$2,623.8 billion, ranking Second in Taiwan. The amount of demand deposit stood at NT$1,231.1 billion (excluding government deposits), an increase of NT$43.4 billion from the same period in 2016, placed us in the First Place throughout Taiwan. We effectively improved our deposit structure and lowered funding costs. C. Loans (1) At the end of 2017, our loan balance was NT$2,012.5 billion, ranking Second in Taiwan, in which the small-and-medium enterprises (SME) loans stood at NT$604 billion, ranking Second in Taiwan. Our loan to private enterprise loans (excluding government institutions and public enterprises) was NT$830.1 billion, ranking in the First Place throughout Taiwan. (2) In year 2017, we arranged/coordinated 77 syndication loans, for a total amount of NT$362 billion, and our participation amount reached NT$56.9 billion. According to Thomson Reuters Basis Point, our bookrunner market share ranked Second in Taiwan. (3) In November 2015, we launched a “Bagful of Happiness Loan,” Taiwan’s first-ever commercial reverse mortgage product, which received great feedback. As of December 2017, the cumulative number of mortgages reached 924 with approved credit of NT$5.32 billion, ranking in the First Place throughout Taiwan. (4) Due to our significant contributions to SMEs and our active cooperation with the government to promote industrial policies, we were granted the “Outstanding Financial Institution for Provision of Loans to SMEs - Grade A Bank Award’’ and the “Outstanding Financial Institution for Provision of Loans to Key Innovative Industries - Grade A Bank Award’’ by the Financial Supervisory Commission (FSC). D. Overseas Business (1) In year 2017, our overseas pre-tax income (including OBU and overseas units) was NT$5.927 billion, accounting for 39.53% of total income. President MesssageBor-Chang to Shareholders Hwang 3 WorldReginfo - d34f533a-0ea0-4cf5-acf7-61ec7cc17e10 (2) Our overseas units and services have expanded to Europe, the U.S., Australia, and throughout Asia. Our Changsha, China branch was opened on April 27, 2017, Melbourne, Australia branch was opened on July 26, 2017, and our City Center sub-branch under Phnom Penh branch in Cambodia was opened on October 27, 2017. We already have 20 overseas units. E. Wealth Management Business (1) The net service fee income from trust, financial planning, insurance (excluding mortgage life insurance), and gold bankbook reached NT$2.985 billion, making up 50.38% of the total net fee income. We added new products to our lineup in 2017, including domestic and offshore funds, bonds as well as structured investments, for a total of 146 products. (2) Through our efforts to promote and enhance the scale of our custody services, as of the end of 2017, the average balance of our custodial funds was NT$97.839 billion, an increase of NT$26.86 billion from the same period in 2016. F. E-banking With our efforts to actively promote Taiwan Pay and automated clearing house (ACH) services, we were granted the “Electronic Payment Services Best Service Innovation Award” at the 2017 Annual Financial Information Systems Meeting organized by the Financial Information Service Co., Ltd. We also won Second Place in the State-owned Bank category and Third Place in the All Banks category for the ACH Collections Contest Excellence Award during the 2017 Financial Institution ACH Promotion Competition organized by Taiwan Clearing House. G. Credit Card Business In 2017, we actively promoted our core products including the Lugang Mazu Card, Hi Lai Card, Worldwide Card, and i-Cash Card, resulting in overall transaction amount of NT$33.996 billion, equivalent to an annual growth of 10.99%; the transaction amount of the government’s online purchasing card reached NT$966 million in 2017, ranking in the First Place throughout Taiwan with a market share of 37.62%. H. Corporate Social Responsibility
Recommended publications
  • 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.
    [Show full text]
  • 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.
    [Show full text]
  • Gomo Troubleshoot
    GOMO Travel SIM Frequently Asked Questions 1. What is GOMO Travel SIM? GOMO Travel SIM is a prepaid, data-only SIM Card for travellers heading to Malaysia, Australia, Thailand, Philippines, Indonesia, Hong Kong, Macau, Taiwan, South Korea and Japan. FYI, this is a data-only SIM, so no talk time/SMS is included. We suggest using your favourite chat or social apps. 2. How do I activate my data after getting my GOMO Travel SIM? Simple! Just head over to gomo.sg/activate and choose your desired travel start date. It only takes minutes to complete! 3. How can I check the data balance and expiry date of my GOMO Travel SIM? Check your data balance and expiry date at gomo.sg/manage. 4. Can I share the data with my friends? Yes, you can tether the data with a mobile phone or WIFI dongle. 5. How long is the data valid for in my GOMO Travel SIM? You can use it for 10 days from your desired travel start date. 6. Can I top up the data in my GOMO Travel SIM? There is no top up option available. You can’t since each GOMO Travel SIM is valid for 10 days only. 7. I have previously purchased a GOMO Travel SIM. Is it still valid? Yes! Your 3GB travel SIM is still valid for use till 12 June 2020, while your 2GB travel SIM is valid till 21 Feb 2021. 8. I can’t connect to data after landing, please help! Please refer to our troubleshooting guide below.
    [Show full text]
  • 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.
    [Show full text]
  • “Hi!Dataroam” Refers to the Various Singtel Mobile Prepaid Data Roam Plans Described in Clause 2 Below
    hi!DataRoam Specific Terms & Conditions 1. Definitions “hi!DataRoam” refers to the various Singtel Mobile Prepaid Data Roam Plans described in clause 2 below. “General Terms” refers to Singapore Telecommunications Limited's General Terms and Conditions of Service found at www.singtel.com/prepaid. “Main Account” refers to the User’s charging account for the purchase of hi!DataRoam plans. “Specific Terms” refers to Singapore Telecommunications Limited’s Specific Terms and Conditions of Service. “Singtel Mobile” refers to Singtel Mobile Singapore Pte Ltd (CRN: 201012456C). “User” refers to the Customer of SingTel who is the registered owner of the Singtel Mobile Prepaid line. Words and expressions used in this hi!DataRoam special Terms and Conditions shall have the same meaning as defined in the General Terms and/or the Specific Terms unless the context otherwise requires. The headings or titles to the clauses in this hi!DataRoam special Terms and Conditions are for reference only and shall not be referred to or relied upon in the construction of any provision of these hi!DataRoam Plans Terms and Conditions. 2. Purchase of hi!DataRoam Plans 2.1 The hi!DataRoam plan comprises 100MB of data to be used whilst roaming in the following countries and with the preferred operators. Country Preferred Operator Handset Display Malaysia Maxis My Maxis / My 012/50 212 Indonesia Telkomsel TELKOMSEL / IND TELKOMSEL / TSEL China China Mobile CHINA MOBILE / CMCC China Unicom China Unicom / CHN CUGSM / CUGSM Hong Kong CSL HK CSL India Bharti AirTel / IND Airtel / INA AIRTEL Thailand AIS AIS / 520 03 / TH GSM / TH AIS / TH AIS GSM Philippines Globe Telecom GLOBE PH / GLOBE Australia Optus YES OPTUS TAIWAN MOBILE / TW MOBILE / TWN GSM / Taiwan Taiwan Mobile PACIFIC / TWN GSM1800 / TWN97 / ROC 97 / 466 97 / TW 97 / TCC Japan Softbank Mobile J-Phone / Vodafone JP / 44020 / SOFTBANK South Korea SK Telecom SK TELECOM / KOR SK Telecom / 450 05 2.2 User will be able to purchase the plan within Singapore or at Country of destination included in the above plan by calling *100#.
    [Show full text]
  • 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 ЩჍĈၓ̼ᅙҖ৪३఍۵ચࡊ 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 ЩჍĈၓ̼ᅙҖ৪३఍۵ચࡊ 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.
    [Show full text]
  • TAICS 2018 Annual Report
    2018 Annual Report Taiwan Association of Information and Communication Standards 1 Annual Event 03/09 Technical Management Technical Meeting Committee Meeting #6.1 Standard Counsel Committee 03/09 Meeting #6 03/13 The Sixth Meetings Activity of the First Board of Supervisors Seminar 5G Standardization Lecture ~ Workshop 05/18 The trend of 3GPP 5G NR 2nd TAICS-ARIB Joint 5G Standardization Smart Mobile Application 05/25 and Services Workshop 05/30 Technical Management Committee Meeting #7 06/11 Forum 2018 TAICS Standardation 2018 Public Meeting: Security Certification & Verification 06/26 Forum: Battery Management Procedure of IoT Devices and Service Development 06/26 Trends of Electric Vehicles The 1st General Meeting of Activity Second General Assembly & 07/10 The 1st Meetings of the The Signing Ceremony Second Board of Supervisors Annual 07/26 5G NR Lecture-1 Seminar Indusrial Exporter Forum of 08/01 The NFC Test Specification of Readers and Mobile Phones 08/02 5G NR Lecture-2 Report Technical Management 08/03 Committee Meeting #7 Technical Meeting 08/31 5G Millimeter Wave Lecture The Latest International Technical Management 09/18 10/04 Standardation Sharing - 5G & IoV Committee Meeting #7.2 2018 TAICS Global Standards 10/16 Forum - Cybersecurity–Privacy Workshop Protection in IoT-era The 2nd Meetings of the Second Board 11/02 10/30 TSDSI-TAICS 5G Workshop of Supervisors Activity TC Plenary Meeting#6 11/30 Technical Meeting IoT Security Mark 12/12 Launching Ceremony Taiwan Association of Information and Communication Standards Forum
    [Show full text]
  • 40% More Gigabytes in Spite of the Pandemic
    Industry analysis #3 2020 Mobile data – first half 2020 40% more gigabytes in spite of the pandemic But revenue negatively affected: -0.5% 140% Average +51% Average +54% th 120% Tefficient’s 28 public analysis on the 100% development and drivers of mobile data ranks 116 80% operators based on average data usage per 60% SIM, total data traffic and revenue per gigabyte in 40% the first half of 2020. y growth in mobile data usage data mobile in y growth - o - 20% Y The data usage per SIM grew for basically every 0% Q1 2020 Q2 2020 operator. 42% could turn -20% that data usage growth into ARPU growth. It’s a bit lower than in our previous reports and COVID-19 is to blame; many operators did report negative revenue development in Q2 2020 when travelling stopped and many prepaid subscriptions expired. Mobile data traffic continued to grow, though: +40%. Although operators in certain markets were giving mobile data away to mitigate the negative consequences of lockdowns, most of the global traffic growth is true, underlying, growth. Data usage actually grew faster in Q2 2020 than in Q1 2020 even though lockdowns mainly affected Q2. Our industry demonstrated resilience, but now needs to fill the data monetisation toolbox with more or sharper tools. tefficient AB www.tefficient.com 3 September 2020 1 27 operators above 10 GB per SIM per month in 1H 2020 Figure 1 shows the average mobile data usage for 116 reporting or reported1 mobile operators globally with values for the first half of 2020 or the full year of 2019.
    [Show full text]
  • Roaming User Guide
    Data Roaming Tips Singtel helps you stay seamlessly connected with data roaming overseas while avoiding bill shock from unexpected roaming charges. The information below can help you make smart data roaming decisions, allowing you to enjoy your trip with peace of mind. 1. Preferred Network Operators and LTE Roaming ...................................................................................... 2 2. USA Data Roaming Plan Coverage .......................................................................................................... 13 3. Network Lock .............................................................................................................................................. 14 4. My Roaming Settings................................................................................................................................. 16 5. Data Roaming User Guide ......................................................................................................................... 16 1. Preferred Network Operators and LTE Roaming The following table lists our preferred operators offering Singtel data roaming plans and indicates their handset display names. Country Roaming Plans Operator Handset Display Albania Daily Vodafone (LTE) VODAFONE AL / voda AL / AL-02 / 276-02 Anguilla Daily Cable & Wireless C&W / 365 840 Antigua and Daily Cable & Wireless C&W / 344 920 Barbuda CLARO Argentina / CTIARG / AR310 / Claro (LTE) Claro AR Argentina Daily Telefonica (LTE) AR 07 / 722 07 / unifon / movistar Armenia Daily VEON (LTE)
    [Show full text]
  • Post-Paid Autoroamtm
    Post-Paid AutoroaMtM Using yoUr Post-Paid Mobile overseas Optus AutoRoam™ lets you stay in touch while you’re travelling through some of the most popular overseas destinations. Post-Paid autoroam™ gives you these great benefits: • Stay in touch with your family and friends even when you are on holidays, day or night. • There’s no need for expensive hotel phones or the inconvenience of public phones. • Your mobile number doesn’t change, which means your contacts can call you without having to remember another number. • Callers in Australia are only charged for a national call to you while you are overseas. • Depending on your overseas carrier, you can screen your incoming calls and divert those you don’t want to answer to voicemail.# as an optus Post-Paid customer, you can: • SMS ‘A’ to 321 and VoiceMail will call you back (standard roaming charges apply)~ or • Access VoiceMail by calling +61 4 1100 0321 (standard roaming charges apply) • For general or billing enquiries while overseas, please call Optus Customer Care on +61 2 8082 5678. (50¢ per call). Optus Customer Care is open from 8am – 7pm (AEST) Mon to Fri and 9am – 5pm (AEST) on Saturdays. • And for faults with your mobile phone, you can call +61 2 8082 2642 for assistance. The Mobile Technical Support Centre is open 24 hours a day, 7 days a week. For your convenience, all your overseas charges are billed back to your Optus account in Australian dollars. ConvenienCe of data roaMing While the ability to use your regular data services overseas is convenient, it’s good to know how data is charged when roaming.
    [Show full text]
  • The Taiwan Fund, Inc ®
    THE TAIWAN FUND,INC ® THE TAIWAN FUND, INC. Annual Report WHAT’S INSIDE August 31, 2009 Page Chairman’s Statement 2 Report of the Investment Manager 4 Portfolio Snapshot 7 Sector Allocation 8 Investments 9 Financial Statements 11 Notes to Financial Statements 14 Report of Independent Registered Public Accounting Firm 19 Other Information 20 Summary of Dividend Reinvestment and Cash Purchase Plan 22 Directors and Officers 25 CHAIRMAN’S STATEMENT Dear Shareholders, I am pleased to present the Annual Report of The Taiwan Fund, Inc. (the “Fund”) for the fiscal year ended August 31, 2009. The Fund’s net asset value (“NAV”) per share decreased by 10.29%* in U.S. dollar terms for the fiscal year. During the same period, the Taiwan Stock Exchange Index (the “TAIEX”) decreased by 7.13%* in U.S. dollar terms. The U.S. dollar depreciated by 4.14% against the NT dollar during this period. On August 31, 2009, the Fund’s shares were trading at a price equal to US$12.14 per share, reflecting a discount of 12.28% to the Fund’s NAV of $US13.84. The Fund’s shares were trading at a discount of 8.85% on August 31, 2008. During the year, we liquidated the Trust through which the Fund had invested in Taiwan securities since its inception. We believe that this will provide the Fund with greater investment flexibility, as it will no longer be subject to certain Taiwan regulations that restricted the investments made through the Trust. In connection with the liquida- tion of the Trust, we also restructured the investment management agreement the Fund has with HSBC Global Asset Management (Taiwan) Ltd.
    [Show full text]
  • Taiwan Cooperative Financial Holding Co., Ltd. Handbook for the 2020 Annual General Shareholders’ Meeting (Summary Translation)
    Stock Code:5880 Taiwan Cooperative Financial Holding Co., Ltd. Handbook for the 2020 Annual General Shareholders’ Meeting (Summary Translation) Time: 09:00 A.M., Wednesday, June 24th , 2020 Location: 1st Floor of Building B, No.225, Section 2, Chang’an East Road, Songshan District, Taipei City, Taiwan, R.O.C . (The Grand Auditorium of Taiwan Cooperative Bank Headquarters) This English version handbook is a summary translation of the Chinese version and is for reference only. If there is any discrepancy between the English version and Chinese version, the Chinese version shall prevail. - Table of Contents Matters for Reporting 1. TCFHC 2019 Business Performance………………………………………….. 2 2. TCFHC Audit Committee’s Review Opinions on 2019 Financial 3 Statements ……………………………………………………………………... 3. TCFHC 2019 Remuneration Distribution of Board of Directors and Employees 4 Report……………………………………………………………… Matters for Recognitions 1. Adoption of TCFHC 2019 Annual Business Report and Financial Statements.. 5 2. Adoption of TCFHC 2019 Earnings Appropriation…………………………… 40 Matters for Discussions 1. Proposal for New Shares Issued through Capitalization of 2019 Retained Earnings…………………………………………………………………………. 42 2. Amendment to TCFHC's Articles of Incorporation…………………………… 43 3. Amendment to the Rules for Director Elections………………………………. 58 4. Amendment to the Rules of Procedure for Shareholders’ Meeting……………. 64 Election Matters The 4th Election of Directors………………………………………………….. 81 Other Matters Proposal of Releasing the Prohibition on the 4th Directors from Participating 83 in Competitive Business……………………………………………………….. Appendices Appendix A Audit Committee Report……………………………………………. 6 Appendix B TCFHC 2019 Business Report……………………………………… 7 Appendix C Independent Auditors’ Report and TCFHC 2019 Financial 22 Statements…………………………………………………………… Appendix D TCFHC 2019 Earnings Appropriation Table……………………….. 41 Appendix E Amended TCFHC’s Articles of Incorporation and Comparison 44 Table………………………………………………………………….
    [Show full text]