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20190514171230296998519 En.Pdf CTBC Financial Holding Co., Ltd. CTBC Bank Co., Ltd. Address: 27 & 29F., No. 168, Jingmao 2nd Rd., Nangang Address: No. 166, 168, 170, 186, 188, Jingmao 2nd Rd., Nangang Dist., Taipei City 115, Taiwan (R.O.C.) Dist., Taipei City 115, Taiwan (R.O.C.) Tel: +886-2-3327-7777 Tel: +886-2-3327-7777 Website: http://www.ctbcholding.com Website: http://www.ctbcbank.com Spokesman Taiwan Life Insurance Co., Ltd. Name: Ya-Ling Chiu Address: 8F., No. 188, Jingmao 2nd Rd., Position: Executive vice president Nangang Dist., Taipei City 115, Taiwan (R.O.C.) Tel: +886-2-3327-7777 Tel: +886-2-8170-9888 Email: [email protected] Website: http://www.taiwanlife.com Acting Spokesman CTBC Securities Co., Ltd. Name: Roger Kao Address: 3F., No. 168, Jingmao 2nd Rd., Nangang Dist., Taipei City Position: Senior executive vice president 115, Taiwan (R.O.C.) Tel: +886-2-3327-7777 Tel: +886-2-6639-2000 Email: [email protected] Website: http://www.ctbcsec.com Stock Transfer Agency CTBC Venture Capital Co., Ltd. Agency: Corporate Trust Operation and Service Address: 21F., No. 168, Jingmao 2nd Rd., Nangang Dist., Taipei Department, CTBC Bank Co., Ltd. City 115, Taiwan (R.O.C.) Address: 5F., No. 83, Sec. 1, Chongqing S. Rd., Tel: +886-2-2652-2277 Zhongzheng Dist., Taipei City 100, Taiwan (R.O.C.) Website: http://www.ctbcholding.com/investment.html Tel: +886-2-6636-5566 Website: http://www.ctbcbank.com CTBC Asset Management Co., Ltd. Address: 19F., No. 168, Jingmao 2nd Rd., Nangang Dist., Certified Public Accountants Taipei City 115, Taiwan (R.O.C.) Jeff Chen, Lin Wu Tel: +886-2-8170-5377 Office: KPMG Certified Public Accountants Website: http://www.ctbcholding.com/manage.html Address: 68F., No. 7, Sec. 5, Xinyi Rd., Xinyi Dist., Taipei City 110, Taiwan (R.O.C.) CTBC Investments Co., Ltd. Tel: +886-2-8101-6666 Address: 12F., No. 188, Jingmao 2nd Rd., Nangang Dist., Website: http://www.kpmg.com.tw Taipei City 115, Taiwan (R.O.C.) Tel: +866-2-2652-6688 Credit Rating Institutions Website: http://www.ctbcinvestments.com Taiwan Ratings Corp. CTBC Security Co., Ltd. Address: 49F., Taipei 101 Tower, No. 7, Xinyi Rd., Sec. 5, Address: 5F., No. 188, Jingmao 2nd Rd., Nangang Dist., Taipei 110, Taiwan (R.O.C.) Taipei City 115, Taiwan (R.O.C.) Tel: +886-2-8722-5800 Tel: +886-2-2653-0355 Website: https://www.taiwanratings.com Website: http://www.ctbcholding.com/safe.html S&P Global Ratings Taiwan Lottery Corp. Address: Unit 1, Level 69, International Commerce Centre, Address: 15F., No. 188, Jingmao 2nd Rd., Nangang Dist., Taipei 1 Austin Rd. West, Kowloon, Hong Kong City 115, Taiwan (R.O.C.) Tel: +852-2533-3500 Tel: +886-2-8170-5228 Website: http://www.standardandpoors.com Website: http://www.taiwanlottery.com.tw Fitch Australia Pty Ltd., Taiwan Branch Address: Suite 1306, 13F., 205, Dunhua N. Rd., Taipei, Taiwan (R.O.C.) Tel: +886-2-8175-7600 Website: https://www.fitchratings.com/site/taiwan Moody's Investors Service Hong Kong Ltd. Address: 24F., One Pacific Place, 88 Queensway, Admiralty, Hong Kong Tel: +852-3758-1300 Website: http://www.moodys.com CONTENTS I. Letter to Shareholders 4 II. Company Profile 9 III. Corporate Governance Report 19 (1) Organization 19 (II) Directors, supervisors, and senior managers 24 (III) Corporate governance practices 55 (IV) Information on CPAs 119 (V) Disclosures of changes in the shareholding (equity transfers and pledges) of directors, supervisors, managers, and shareholders as required by Article 11 of the Regulations Governing Approvals of the Same Person's or Same Related Parties' Application to Own More Than a Certain Percentage of the Issued Voting Shares of a Financial Holding Company 120 (VI) Information on top 10 shareholders by shareholding ratio who are related parties, spouses, or within the second degree of kinship 122 (VII) Shares and consolidated shareholding ratios of the same reinvestment business held by the Company; Company directors, supervisors, and managers; and businesses controlled directly or indirectly by the Company 123 IV. Capital Overview 124 (1) Capital and shares 124 (1I) Bonds, preferred shares, global depository receipts, employee share subscription warrants, and new restricted employee shares 132 (III) Capital utilization plan implementation 138 1 V. Operational Highlights 140 (1) Business activities 140 (II) Cross-industry and cross-selling benefits 168 (III) Market and business overview 169 (IV) Human resources 187 (V) Corporate responsibility and ethical conduct 190 (VI) Number of non-supervisory staff, their average annual employee benefit expenses, and the difference with the previous year's expenses 196 (VII) Information technology 196 (VIII) Labor relations 202 (IX) Material contracts 208 VI. Financial Information 216 (1) Condensed balance sheets and statements of comprehensive income for the past five years 216 (II) Financial analysis for the past five years 220 (III) Key performance indicators 223 (IV) Audit Committee Report for the past year's financial report 224 (V) Consolidated financial statements of parent company and subsidiaries audited by accountants in the past year 224 (VI) Impact on financial status of financial turnover difficulties of the Company and its affiliated enterprises in the past year through April 26, 2019 224 2 VII. Review and Analysis of Financial Conditions, Financial 225 Performance, and Risk Management (1) Financial conditions 225 (II) Financial performance 225 (III) Cash flow 226 (IV) Impact of significant capital expenditures on finances in 2018 226 (V) 2018 reinvestment policy, main reasons for profits or losses, improvement plan, and investment plan for the coming year 226 (VI) Risk management 227 (VII) Crisis management mechanism 245 (VIII) Other significant matters 245 VIII. Special Disclosures 246 (1) Affiliated enterprise information 246 (II) Private placement of securities by CTBC Holding in the past year through April 26, 2019 256 (III) Company shares held or disposed of by subsidiaries in the past year through April 26, 2019 256 (IV) Other supplementary information 256 IX. Matters Affecting Shareholder Equity or Securities Prices 257 from 2018 Through the end of April 2019 Appendix 1: Audit Committee Resolutions Issued in Accordance 258 With Article 14-5 of the Securities and Exchange Act Appendix 2: Consolidated Financial Reports for 2018 265 3 I Letter to Shareholders Dear Fellow Shareholders: After expanding at a moderate pace for the past several years, the global economic climate maintained some of this momentum at the beginning of 2018. However, uncertainty increased starting in the second quarter as it was negatively affected by successive political and economic events. These included trade conflict between China and the United States, widening disparity in various countries' economic growth and monetary policy, as well as severe market fluctuations. Taiwan was not immune to the volatility in the global economic environment, and local economic growth momentum waned as a result. As a global business operator, the impact of international political, economic, and industrial changes are particularly pronounced on the financial sector, with financial holding companies encountering considerable challenges in their operations because of these uncontrollable external factors. Faced with such difficulties, however, CTBC Financial Holding Co., Ltd. maintained its outstanding performance thanks to its solid business foundation and cooperation within the group. For 2018, CTBC Holding generated after-tax profit totaling NT$36 billion, outperforming its annual operating budget estimate. Despite the market challenges and uncertainties ahead, CTBC Holding will continue to expand its overseas business depth and breadth and maximize group synergy. In addition, our brand values—being caring, professional, and trustworthy—will guide our efforts to strengthen legal compliance and corporate governance and create mutual benefits for our clients, employees, shareholders, and community. Together, these actions will further cement our position as a leading financial institution with world-class governance and the complete trust of our clients and shareholders. Business plans and results (1) Deepening our overseas business, with a focus on Asia Pacific Regarding our growing emphasis on overseas markets, CTBC Holding made notable progress in 2018. Across the Taiwan Strait, Xiamen Jinmeixin Consumer Finance Co., established by CTBC Bank in partnership with Xiamen Jinyuan Financial Holding Co., Ltd. and Gome Holdings Group, officially commenced business in October 2018. Not only was it the first-ever cross-strait joint venture consumer finance company, it also set a record in cross-strait financial cooperation by achieving profitability in just its first year. CTBC Holding also marked a new expansion milestone in China with the opening of CTBC Bank's Shenzhen Branch in January 2019. In the future, the Company will further expand its mainland business based on the customer base established by the existing branches, capturing the business opportunities in the Guangdong, Hong Kong, and Macau area. For the Southeast Asia markets, CTBC Bank had established subsidiaries or branches in the Philippines, Indonesia, Vietnam, and Singapore, and made an equity investment in Thailand. In the coming years, CTBC Holding will continue to seek opportunities to capture new customer base, networks, and complementary businesses as part of our efforts to improve our international reach and expand our regional financial business. Moreover, The Tokyo Star Bank in Japan has expanded its business
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