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E.Sun Financial Holding Co., Ltd. Interim / Quarterly Report 2016

Aug 26, 2016

52215_rns_2016-08-26_6c697f2e-7e46-4242-92ac-445ae45d5957.pdf

Interim / Quarterly Report

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Aug 2016

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本份簡報由玉山金控提供，使用者在閱讀簡報資訊同時，應參考玉山金控向主管 機關所申報公開且完整的各項財務業務訊息，我們會盡力確保簡報內容的正確性、 完整性與精確度，但玉山金控並不保證所有資料皆準確無誤，簡報公開後，我們 亦不負有因情事變更而即時修正相關內容義務。

使用者亦應注意，本份簡報可能包含前瞻性陳述。任何非歷史性資料，包括公司 經營策略、營運計劃與未來展望等皆屬前瞻性陳述範疇，而前瞻性陳述本身的不 確定性、風險、假設或其他因素如：法規變化、競爭環境、科技發展、經濟情勢 與經營上的改變等，皆有可能導致公司實際營運結果與簡報陳述有重大差異。 簡報的內容、陳述或主張非為買賣或提供買賣任何有價證券或金融商品的邀約、 邀約之引誘或建議。玉山金控及其他關係企業代表人無論過失或其他原因，均不 對使用或因他人引用本份簡報資料、亦或其他因簡報資料導致的任何損害負擔任 何責任。

大綱

  • 2016年第2季財務績效表現

  • 2016年第2季業務發展概況

  • 附件 金控及子公司損益表及資產負債表

全球總體經濟概況

  • 全球經濟復甦乏力

  • 美國Q2經濟成長不如預期，雖消費表現亮眼，但企業投資持續不振，經濟成長率僅 1.2%，惟非農就業仍穩健增加，應有助經濟持續改善

  • 中國上半年經濟成長率6.7%，受全球景氣不佳及結構調整影響，內外需成長均趨緩， 景氣將呈L型走勢，且需留意企業債務偏高問題

  • 歐元區經濟風險升高，受英國脫歐、法國恐攻、義大利銀行壞帳惡化等因素影響， 經濟前景不確定性高

  • 金融市場波動大，包括英國脫歐、Fed升息態度、恐攻不斷等因素，導致匯率波動大， 2016年迄今英鎊貶值10%、日圓升值16%較大

  • 台灣經濟短期略現曙光

  • 國內景氣有逐季好轉跡象，雖民間投資持續不振，但出口已漸好轉，Q2經濟成長率 0.69%轉正成長，惟需留意中國經濟變化對台灣之影響

  • 7月出口轉正成長1.2%，主要受惠半導體景氣回溫及農工原料價格止跌，能否持續穩 定回升，可觀察下半年新科技產品推出情形及油價走勢

  • 景氣燈號連續第3個黃藍燈，領先指標亦連4個月微幅上升，製造業PMI連5個月擴張， 顯示景氣有緩步回升跡象

1

玉山金控整體概況

2016.6
2015.12
玉山金控
1,844,418
1,775,284
玉山銀行
1,829,915
1,760,401
玉山證券
11,155
11,254
玉山保經
-2/
1,281
玉山創投
3,539
3,839
金控每股淨值(新台幣元)
14.18
15.21
雙重槓桿比率
104.18%
104.29%
金控資本適足率
139.10%
141.73%
QFII
55.25%
59.75%
國內銀行通路
137
136
海外據點
Branch: HK, LA, Singapore, Vietnam, Australia
Subsidiary: China and Cambodia (UCB)
Representative office in Myanmar
with total 22 overseas operating sites
證券分公司
21
21
Unit : NT$ million
總資產
主要財務比率
外資持股比重
實體通路
  • Note: 1. Audit figures of June 2016 2. Insurance Brokers is merged into Bank in Mar. 2016

2

2016年第二季財業務概況

持續獲利動能

  • 2016上半年稅後淨利72.4億元，較去年同期成長8.5%。

  • EPS 0.83元，ROE 11.73%，ROA 0.80%。

業務穩健成長

  • 淨利息收入及淨手續費收保持穩健動能，上半年分別成長5.6%及6.6%。

  • 信用卡業務持續展現優異的表現，上半年簽帳金額成長20.0%，手續費成長19.5%。

  • 第2季放款動能逐漸加溫，上半年累計成長1.6%。

  • 資產品質優異，逾期放款比率0.18%，覆蓋率為676.3%。

  • 持續布局亞洲，下半年緬甸分行開業及UCB分行增設，年底海外據點將增至25個。

喜悅與榮光

  • 中華信評調升金控與銀行展望至正向，連續3年獲調升評等或展望。

  • 積極推動公司治理與社會責任，連續2年獲頒臺灣證券交易所「公司治理評鑑」排名前5%。

  • 提供中小企業全方位金融服務方案，連續11年榮獲經濟部信保夥伴獎。

3

玉山金控獲利表現

Net Profit

EPS

Unit: NT$ million

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12,816
10,529
8,416
7,058 7,244
2012 2013 2014 2015 6M16
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Unit: NT$ dollars
1.53 1.56 1.63
1.46
0.83
2012 2013 2014 2015 6M16
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ROE
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ROA
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11.73%
10.65% 11.11% 11.23%
10.03%
2012 2013 2014 2015 6M16
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0.80%
0.77%
0.72%
0.64%
0.59%
2012 2013 2014 2015 6M16
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Note: 1. ROE and ROA are annualized 2. Audit data of Jun. 2016

3

玉山金控及子公司獲利結構

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各子公司獲利貢獻 金控及子公司稅後淨利比較
Contribution by Subsidiaries
Bank Unit: NT$ million
99.8%
7,414.1
7,244.1
6,698.7 6,677.8
6M15
6M16
Securities
VC 0.4%
-0.2% 28.7
105.9 79.1
Bank Securities VC FHC
(15.6)
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  • Note. 1. Audit figures of June 2016 2. Insurance Brokers has been merged to Bank in Mar. 2016

4

與去年同期獲利比較

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6M 16 P&L
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Unit: NT$ million
19,620 (10,564)
(574) (1,249)
7,244 [1/]
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
6M 15 P&L
+2.4% +11.3% +8.5%
19,164 (9,490)
(2,024) (951) 6,678 [1/]
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
Note: 1. Net Profit is deduct non-controllable portion
2. Audit figures of June 2016
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5

玉山金控淨收益結構

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Contribution by Subsidiaries 淨收益 Net Income of FHC and its Subs
與去年同期比較
新台幣$ 19,620百萬元
Unit: NT$ million
+5.6% YoY
6M15
+6.6% YoY
6M16
8,857
8,388
Net Fee Income
37.1% 7,284
6,835
3,907
Net Interest LT Investment 3,447
Income 0.2%
45.1%
Fixed Income
Investment &
Others 34 32
17.6%
Net Interest Income Net Fee Income LT Investment Fixed Income
Investment &
Others
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Note: Audit figures of June 2016

6

玉山金控淨手續費結構

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Contribution by Subsidiaries 淨手續費收入 Net Income of FHC and its Subs
與去年同期比較
新台幣$ 7,284百萬元
Unit: NT$ million
+19.5% YoY -1.9% YoY
Consumer Corporate
6M15
Banking Banking
Securities 6M16
4.8% 8.0% &Others 3,791 3,720
8.5%
Credit Card 2,004
Wealth
27.6%
Management 1,677
51.1%
566 583 626
477
351 324
Credit Card Wealth Consumer Corporate Securitie&Others
Management Banking Banking
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Note: 1. Audit figures of June 2016

2. WM Including Bancassurance fee from Insurance Brokers

7

信用卡業務相關指標

Active Cards

Card Consumption

Unit: Thousand Cards ， %

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Active Cards Market Share
10.42% 10.92% [11.20% ]
9.80% 10.43%
2,885
2,770
2,541
2,351
2,106
2012 2013 2014 2015 6M 16
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Unit: NT$ million

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Consumption Market Share 252,381
12.20%
170,087 193,119 211,154 11.17%
9.96% 10.08%
9.51%
149,119
2012 2013 2014 2015 6M 16
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Per Card Spending (Monthly)

Gross Fee Income

Unit: NT$ dollar

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8,614
7,593
6,729 6,846 6,925
2012 2013 2014 2015 6M16
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Unit: NT$ million
4,500
3,979
3,606
3,413
2,543
2012 2013 2014 2015 6M 16
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8

主要存放款業務比較

Unit: NT$ Bn

產品別 2016.6 QoQ
Growth %		 2016.3 YTD
Growth %		 2015
總存款 1,488.7 1.7% 1,463.3 2.9% 1,447.4
活期存款 699.0 2.2% 684.2 3.9% 672.9
外幣存款 370.5 4.2% 355.6 8.1% 342.6
總放款 1/ 1,030.7 2.2% 1,008.6 1.6% 1,014.9
企業放款 509.0 2.2% 498.0 0.9% 504.5
中小企業放款 265.0 2.4% 258.8 0.8% 263.0
消金放款 521.7 2.2% 510.6 2.2% 510.4
房屋貸款 221.5 0.4% 220.6 (0.8%) 223.3
小額信貸 85.5 5.7% 80.9 7.3% 79.7
信用卡有效卡數(’000s) 2,885 2.7% 2,808 4.2% 2,770
累積總簽帳金額 149.1 23.9% 66.6 20.0%2/ 252.4
信用卡循環額 10.7 2.9% 10.4 2.9% 10.4

Note: 1. Excluded loan balance of subsidiaries NT $18.1 billion and credit card revolving balance 2. Credit card consumption are compared on YoY basis (6M16 vs 6M15)

9

存款結構分析

Contribution by Subsidiaries 存放比率

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Total Deposits Total Loans LDR NTD LDR
1,387.5 1,447.4 1,488.7
1,279.0
1213.5
1,019.5
929.1 980.7
876.6 1,030.7
77.5% 77.5% 78.0%
77.0%
74.4%
72.2% 72.6%
70.7% 70.4%
69.2%
6M14 2014 6M15 2015 6M16
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存款結構比較

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Unit: NT$ Bn
699.0
615.7
6M15 6M16
443.7
419.1
370.5
328.1
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NTD Demand NTD Time Deposits FCY Deposits Deposits

Note: 1. Excluded Credit card revolving balance 2. Financials of E.SUN Bank

3. Excluded deposit and loan of subsidiaries

11

放款結構分析

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Contribution by Subsidiaries 總放款
與去年同期比較
新台幣$ 1兆414億元
Unit: NT$ Bn
6M15
265.0
251.2
244.0
6M16
SME 25.5% 234.4
224.3
Mortgage
221.5
21.3% 214.6
196.8
Large
Corporate
23.4%
85.5
69.0
Credit Card Unsecured Secured
Revolving Personal Personal
10.7
1.0% Loan Loan 10.3
8.2% 20.6%
Large SME Mortgage Credit Unsecured Secured
Corporate Card Personal Personal
Loan Loan
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Note: Secured Personal Loan is fully collateralized by fixed asset

12

NIM and Spread

Contribution by Subsidiaries Quarterly Net Interest Margin

Quarterly Interest Spread

1.30%
1.30%
1.32%
1.31%
1.30%
1.32%
1Q 15
2Q 15
3Q 15
4Q 15
1Q 16
2Q 16
NIM		 2.52%
2.51%
2.50%
2.46%
2.42%
2.34%
0.82%
0.80%
0.77%
0.72%
0.71%
0.63%
1.70%
1.71%1.73%
1.74%
1.71%
1.71%
1Q 15
2Q 15
3Q 15
4Q 15
1Q 16
2Q 16
Overall Lending Rate
Overall Deposit Rate
Interest Spread

Note: 1. Financials of E.SUN Bank

2. The net interest income restore the accounting treatment impact

13

優異的資產品質1/3

Contribution by Subsidiaries NPL Ratio(%)

Coverage Ratio(%)

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Loan Loss Reserve Coverage Ratio
930.6%
12,563 12,526
NPL NPL Ratio 12,080
698.3%
604.5% 575.2%
9,520 676.3%
10,344
0.21%
0.18% 0.18%
0.15% 0.13%
2,100
1,711 1,852
1,363
1,350
6M 14 2014 6M 15 2015 6M 16 6M 14 2014 6M 15 2015 6M 16
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Note: Financials of E.SUN Bank

14

優異的資產品質2/3

Contribution by Subsidiaries NPL Ratio for Major Products

NPL Ratio for Credit Card

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Corporate NPL Ratio
NPL NPL Ratio
Mortgage NPL Ratio
0.28%
0.24%
0.19%
0.14%
0.05% 0.05% 0.07% 0.08% 0.08% 0.21% 87 0.23% 88 0.19% 94 0.23% 104 0.23% 107
0.06%
6M14 2014 6M15 2015 6M16
6M 14 2014 6M 15 2015 6M 16
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Note: .Financials of E.SUN Bank

15

優異的資產品質3/3

NPL Comparison with Market

Market
E.SUN		 0.20%
0.20%
~~015%~~
0.18%
0.21%
0.13%
0.18%
0.44%
0.38%
0.28%
0.25%
0.25%
0.24%
0.27%
~~.~~
6M 13
2013
6M 14
2014
6M 15
2015
6M 16

Market

Source : FSC

16

成本效率比

Unit: NT$ million

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Net Revenue Operating Expense(exclu. provision) Cost Income Ratio
37,285.9
30,688.5
25,959.5
52.9%
54.0% 51.1% 52.2%
19,266.8
19,042.8
16,560.0
13,725.3
10,066.7
2013 2014 2015 6M 16
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Note: 1. Audit figures of June 2016

2. E.SUN IB merged into E.SUN Bank on Mar. 16 and therefore restate the financial statement of ’15, in which H1 is audit figures and Q3, Q4 are preliminary figures.

3. Financials of E.SUN Bank

17

資本適足率

FHC CAR Ratio

Bank BIS Ratio

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Tier 2 Ratio Tier 1 Ratio
141.36% 140.76% 141.53% 141.73%
139.10% 12.24% 13.08% 12.75% 13.34% 13.33% 14.54%
132.43%
4.35%
3.74% 3.48% 3.90% 3.93%
3.89%
10.19%
9.34% 9.27% 9.44% 9.40%
8.35%
2013 6M 14 2014 6M 15 2015 6M 16
2013 6M 14 2014 6M 15 2015 6M 16
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Note: 1. Audit figures of June 2016 2. As consolidated basis

18

Thank You

  • If you wish to know more about

E.SUN, please visit our website site (www.esunfhc.com.tw) for more information.

  • If you have further questions, please

  • feel free to contact us through email or conference call

  • For more information, please contact

  • Investor Relations Department +8862 2175 1313 Ext 1346, 9347,9302 [email protected]

1/6 Appendix

Balance Sheet of 1H2016 for E.SUN FHC and its subsidiaries

NT$ million
E.SUN Bank
(consolidated)
E.SUN Sec.
(Consolidated)
E.SUN VC
E.SUN FHC
(Standalone)		 E.SUN FHC
(consolidated)
Assets：
Cash and due from banks
88,342
236
77
4,663
Securities, net
546,517
171
1,411
0
Loans, net
1,038,719
-
0
-
A/R, net
76,924
7,292
1
117
LT investments, net
538
116
2,042
129,472
Land, premises and equipments, net
26,719
363
-
24
Others
52,156
2,977
8
918		 88,346
548,099
1,038,719
84,218
2,706
27,390
54,940
Total assets
1,829,915
11,155
3,539
135,194		 1,844,418
Liabilities:
Deposits
1,503,073
-
0
0
Other liabilities
204,763
6,468
44
10,923		 1,498,161
221,186
Total liabilities
1,707,836
6,468
44
10,923		 1,719,347
Total stockholders' equity
122,079
4,687
3,495
124,271		 125,071
Total equityattributable to owners of the company
121,274
4,687
3,495
124,271		 124,272
Non-Controllinginterests
805
-
0
0		 799
Total liabilities andstockholders' equity
1,829,915
11,155
3,539
135,194		 1,844,418

Note: Audit figures of June 2016

2/6 Appendix

P&L of E.SUN FHC and its subsidiaries for 1H2016

NT$ million
E.SUN Bank
(Consolidated)
E.SUN Sec.
(Consolidated)
E.SUN VC
E.SUN FHC
(Standalone)		 E.SUN FHC
(consolidated)
Operating income
Net interest income
8,774
142
0
(59)
Net fee income
6,975
312
0
0
LT investment income
11
0
18
7,431
Net trading income/(loss) & Derivatives & FX
3,444
20
(15)
(47)
Others
62
42
(3)
35		 8,857
7,284
32
3,402
45
Total Net Revenues
19,266
516
0
7,360		 19,620
Allowance for bad-debt expenses
(572)
(1)
0
0
Operating expenses
(10,067)
(469)
(7)
(118)		 (574)
(10,564)
Income before income tax
8,627
46
(7)
7,242
Income tax expenses
(1,224)
(17)
(9)
2		 8,482
(1,249)
Net Income
7,403
29
(16)
7,244		 7,233
Attributable to owners of the company
7,268
29
(16)
7,244		 7,244
Attribute to former business under control
146
-
0
-		 0
Non-controlling interests
(11)
0
0
0		 (11)

Note: 1. Audit figures of June 2016 2. Insurance Brokers is merged with Bank on March 25th

3/6 Appendix

E.SUN FHC’s Balance Sheet (Consolidated)

Yearly Results Quarterly Results
NT$ million 2013
2014
2015		 Jun 15
Sep 15
Dec 15
Mar 16		 Jun 16
Assets：
Cash and due from banks
Securities, net
Loans, net
A/R, net
LT investments, net
Land, premises and equipments, net
Others		 79,252
89,638
104,113
373,749
420,897
469,508
828,238
934,614
1,021,995
62,895
73,088
78,562
1,783
2,184
2,386
19,373
21,106
26,792
15,726
24,893
71,928		 85,758
107,815
104,113
96,705
425,298
436,794
469,508
517,090
986,149
1,001,086
1,021,995
1,017,679
87,944
84,395
78,562
76,731
2,331
2,358
2,386
2,700
24,830
26,388
26,792
26,856
75,484
70,734
71,928
64,604		 88,346
548,099
1,038,719
84,218
2,706
27,390
54,940
Total assets 1,381,016
1,566,420
1,775,284
1,150,791
1,280,692
1,456,394
146,890
178,067
197,229		 1,687,794
1,729,570
1,775,284
1,802,365		 1,844,418
Liabilities:
Deposits
Other liabilities		 1,458,364
1,407,850
1,456,394
1,476,395
115,063
202,598
197,229
201,688		 1,498,161
221,186
Total liabilities 1,297,681
1,458,759
1,653,623
83,335
107,661
121,661

82,651
106,876
120,927
684
785
734
1,381,016
1,566,420
1,775,284		 1,573,427
1,610,448
1,653,623
1,678,083		 1,719,347
Total stockholders' equity 114,367
119,123
121,661
124,282		 125,071
Total equity attributable to owners of the company 113,580
118,254
120,927
123,480		 124,272
Non-Controlling interests 787
868
734
802		 799
Total liabilities and stockholders' equity 1,687,794
1,729,570
1,775,284
1,802,365		 1,844,418

Note: Audit figures of June 2016

4/6 Appendix

E.SUN FHC’s P&L account (Consolidated)

NT$ million 2013
2014
2015
2Q15
3Q15
4Q15
1Q16
2Q16
Yearly Results
Quarterly Results		 2013
2014
2015
2Q15
3Q15
4Q15
1Q16
2Q16
Yearly Results
Quarterly Results		 2013
2014
2015
2Q15
3Q15
4Q15
1Q16
2Q16
Yearly Results
Quarterly Results
2Q15
3Q15
4Q15
1Q16		 2Q16
Operating income
Net interest income
Net Fee income
LT investment income
Net trading income/(loss) & Derivatives & FX
Others		 13,035
15,485
17,474
9,124
11,470
13,878
308
121
71
4,359
5,602
7,378
(79)
77
(312)
26,747
32,755
38,489
(1,707)
(2,034)
(3,566)
(14,826)
(17,950)
(20,138)
10,214
12,771
14,785
(1,798)
(2,166)
(1,906)
8,416
10,605
12,879
8,416
10,529
12,816
-
-
-
-
76
63		 4,256
4,572
4,514
4,329
3,762
3,717
3,326
3,459
29
36
1
26
1,873
1,733
1,834
1,777
(45)
133
(513)
14		 4,528
3,825
6
1,625
31
Total Net Revenues 9,875
10,163
9,162
9,605		 10,015
Allowance for bad-debt expenses
Operating expenses		 (1,028)
(763)
(779)
(33)
(4,896)
(5,061)
(5,587)
(5,167)		 (541)
(5,397)
Income before income tax
Income tax expenses		 3,951
4,339
2,796
4,405
(447)
(594)
(361)
(689)		 4,077
(560)
Net Income 3,504
3,745
2,435
3,716		 3,517
Income Attributable to owners of the company 3,497
3,716
2,422
3,698		 3,546
Attribute to former business under control -
-
-
-		 -
Non-Controlling interests 7
29
13
18		 (29)

Note: Audit figures of June 2016

5/6 Appendix

E.SUN Bank’s Balance Sheet

Yearly Results Quarterly Results Quarterly Results
NT$ million 2013
2014
2015		 Jun 15
Sep 15
Dec 15
Mar 16		 Jun 16
Assets：
Cash and due from banks
Securities, net
Loans, net
A/R, net
LT investments, net
Land, premises and equipments, net
Others		 85,713
107,740
103,947
96,603
423,656
431,545
467,481
516,351
986,149
1,001,086
1,021,995
1,017,679
79,081
77,712
71,523
68,859
542
542
542
541
24,212
25,736
26,156
26,935
73,451
72,192
68,986
60,295		 88,342
546,517
1,038,719
76,924
538
26,719
52,156
Total assets 1,672,804
1,716,553
1,760,630
1,787,263		 1,829,915
Liabilities:
Deposits
Other liabilities		 1,394,342
1,409,061
1,457,201
1,478,221
166,731
191,182
185,171
187,812		 1,502,420
205,416
Total liabilities 1,561,073
1,600,243
1,642,372
1,666,033		 1,707,836
Total stockholders' equity 111,731
116,310
118,258
121,230		 122,079
110,216
114,470
116,391
120,423		 121,274
787
971
1,133
807		 805
Attribute to former business under control
-
-
734
Total liabilities and stockholders' equity
1,368,892
1,551,944
1,760,630		 728
869
734
1,672,804
1,716,553
1,760,630
1,787,263		 1,829,915

Note: 1. Audit figures of June 2016

2. E.SUN IB merged into E.SUN Bank on Mar. 16 and therefore restate the financial statement of ‘15, in which H1 is audit figures and Q3 ,Q4 are preliminary figures.

6/6 Appendix

E.SUN Bank’s P&L account

NT$ million 2013
2014
2015
Yearly Results		 Quarterly Results Quarterly Results
2Q15
3Q15
4Q15
1Q16		 2Q16
Operating income
Net interest income
Fee income
LT investment income
Net trading income/(loss) & Derivatives & FX
Others		 12,887
15,286
17,253
7,929
9,910
13,190
49
48
45
4,969
5,318
6,522
125
127
276
25,959
30,689
37,286
(1,707)
(2,034)
(3,566)
(13,725)
(16,560)
(19,043)
10,527
12,095
14,677
(1,680)
(1,814)
(1,947)
8,847
10,281
12,730
8,847
10,205
11,908
-
-
759
-
76
63		 4,192
4,520
4,469
4,289
3,581
3,539
3,147
3,294
10
35
0
5
1,819
1,566
1,236
1,904
57
82
11
23		 4,486
3,680
6
1,540
39
Total Net Revenues 9,659
9,742
8,863
9,515		 9,751
Allowance for bad-debt expenses
Operating expenses		 (1,028)
(763)
(779)
(32)
(4,615)
(4,766)
(5,322)
(4,916)		 (540)
(5,151)
Income before income tax
Income tax expenses		 4,016
4,213
2,762
4,567
(487)
(583)
(382)
(667)		 4,060
(557)
Net Income 3,529
3,630
2,380
3,900		 3,503
Attributable to owners of the company 3,268
3,360
2,204
3,736		 3,532
Attribute to former business under control 253
242
163
146		 -
Non-controlling interests 8
28
13
18		 (29)

Note: 1. Audit figures of June 2016

2. E.SUN IB merged into E.SUN Bank on Mar. 16 and therefore restate the financial statement of ‘15, in which H1 is audit figures and Q3,Q4 are preliminary figures.

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