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TBB Interim / Quarterly Report 2015

Mar 7, 2016

52201_rns_2016-03-07_68dcc027-e7e8-48b9-a844-36a1fc6a43c9.pdf

Interim / Quarterly Report

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Taiwan Business Bank

Financial Review of 2015Q4

2016.3.25 (Investor Conference)

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Disclaimer

  • This presentation is provided by Taiwan Business Bank Co., Ltd. (‘TBB’).The information contained within is not reviewed or reviewed by any accountant or any independent third party. Users should read this material in conjunction with all other public financial and operational information filed to the competent authorities by TBB. While we endeavor to provide accurate, complete and consistent information herein, TBB makes no guarantee or warranties as to the accuracy or correctness of all the material contained. After this presentation is released to the public, we undertake no obligation to update any relevant data to reflect any change hereafter.

  • Users should also notice that this presentation may contain forward-looking statements. Statements that are not historical facts, including statements relating to the implementation of strategic initiatives, future business development and economic performance are forward-looking statements. By their nature, forward-looking statements involve uncertainties, risks, assumptions and other factors that could cause actual developments and results to differ materially from our statement in this presentation. These factors include, but not limited to, regulatory developments, competitive conditions, technological developments, general economic conditions and management changes.

  • The information, statements or opinions in this presentation do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. TBB and its affiliates representatives, no matter for their negligence or any other reasons, should not be liable for any loss or damages arising from the use of or interpretation by others of information contained within this presentation or any matter related to this document.

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1

Operations Review of 2015

Profits hit new record

Record

Profits

Pre-tax income, net Income, net service fee income, deposits & loans volume And FX volumes soared to record level.

Strong net service fee income growth

Concentrated on policy finance

Focused on Niche Market

  1. Twelve projects loans rank first in nationwide market share.

  2. Received 4 awards in SMEs Loans from the Ministry of Economic Affairs.

  3. Received 2 awards in SMEs Loans and Cultural Creative Industry Loans from Financial Supervisory Commission.

Transparent corporate governance

Solid

Governance

  1. Ranks among top 5% in Corporate Governance Assessment conducted by Taiwan Stock Exchange.

  2. The only government-owned bank rated “A++” for 7 consecutive years for transparency & disclosure by Securities & Futures Institute.

2

Financial Performance

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3

Assets and Liabilities size

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(in NT$ mn)
1,500,000 1,476,142
1,450,000
1,392,527
1,400,000
1,326,468 1,408,483
1,350,000
1,290,020
1,300,000 1,267,008 1,329,789
1,250,000 1,213,641 1,269,214
1,187,559
1,200,000 1,162,173 1,234,981
1,220,095
1,150,000
1,102,513 1,169,785
1,145, 832
1,100,000
1,060,245 1,122,700
1,050,000
1,062,484
1,000,000 1,020,836
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
資產總額 Assets 負債總額 Liabilities
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Assets 1,060,245 1,102,513 1,162,173 1,187,559 1,213,641 1,267,008 1,290,020 1,326,468 1,392,527 1,476,142
Liabilities 1,020,836 1,062,484 1,122,700 1,145,832 1,169,785 1,220,095 1,234,981 1,269,214 1,329,789 1,408,483
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4

Stockholders’ Equity

30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000		 30,000
40,000
50,000
60,000
70,000
80,000
90,000
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Stockholders’
Equity		 39,409 40,029 39,473 41,727 43,856 46,913 55,039 57,254 62,738 67,659
Common
Stock		 38,736 38,736 38,736 38,736 40,285 42,098 48,982 50,941 52,979 56,847
BVPS
(in NT$)		 10.17 10.33 10.19 10.77 10.89 11.14 11.24 11.24 11.84 11.90

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5

Ca ital Ade uac Ratio p q y

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13.00%
11.96%
11.74%
12.00%
11.39% 11.26% 11.31% 11.24%
11.00% 10.54% 10.65%
10.00%
8.99%
8.80% 8.84%
9.00%
8.39% 8.39%
8.28% 8.20% 8.17%
8.00%
8.01% 7.93% 8.04% 7.88% 7.90% 7.91% 8.11% 7.98%
7.00%
2014Q1 2014Q2 2014Q3 2014Q4 2015Q1 2015Q2 2015Q3 2015Q4
資本適足率(BIS) BIS 第一類資本比率(Tier1) Tier 1 普通股權益比率 CET 1
2014Q1 2014Q2 2014Q3 2014Q4 2015Q1 2015Q2 2015Q3 2015Q4
BIS 11.74% 11.39% 11.26% 10.54% 10.65% 11.31% 11.96% 11.24%
Tier 1 Ratio 8.39% 8.28% 8.39% 8.20% 8.17% 8.80% 8.99% 8.84%
CET1 8.01% 7.93% 8.04% 7.88% 7.90% 7.91% 8.11% 7.98%
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6

、 Assets Liabilities and Stockholders’ Equity(2015)

Stockholders’ Equity

Assets Liabilities

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  • A ： Deposits from the Central Bank and

  • other banks 6%

  • B ： Financial debentures 3%

  • C ： Financial liabilities 1%

  • D ： Other liabilities 3%

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7

Income and EPS Growth

(in NT$ mn)

n come an row
(in NT$ mn)		 come an row
(in NT$ mn)		 come an row
(in NT$ mn)		 come an row
(in NT$ mn)		 come an row
(in NT$ mn)		 come an row
(in NT$ mn)		 come an row
(in NT$ mn)		 come an row
(in NT$ mn)		 come an row
(in NT$ mn)		 come an row
(in NT$ mn)		 come an row
(in NT$ mn)
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000		 805
1,148
~~258~~
1,616
2,391
3,269
3,728
3,850
5,478
6,169
0.28
0.3
0.07
0.42
0.59
0.78
0.76
0.76
1.03
1.09
0
0.2
0.4
0.6
0.8
1
1.2
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
稅前淨利
稅前EPS(元)
Pre-tax Income
Pre-tax EPS
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Pre-tax
Income		 805 1,148 258 1,616 2,391 3,269 3,728 3,850 5,478 6,169
Net Income 800 1,048 94 1,432 2,006 2,978 3,404 3,610 5,315 5,113
Pre-tax EPS
(in NT$)
0.28		 0.30 0.07 0.42 0.59 0.78 0.76 0.76 1.03 1.09
EPS
(in NT$)		 0.21 0.27 0.02 0.37 0.50 0.71 0.70 0.71 1.00 0.90
Pre-tax
ROE(%)		 2.33 2.89 0.65 3.98 5.59 7.20 7.31 6.86 9.13 9.46
Pre-tax
ROA(%)		 0.08 0.11 0.02 0.14 0.20 0.26 0.29 0.29 0.40 0.43

8

Net Income Breakdown

(in NT$ mn)

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25,000
19,886
20,000 18,811
17,155 17,528 17,583
16,246
14,727
15,000 13,755
12,875
12,398
14,752 [15,401 ]
12,837 11,611 12,787 12,923 13,581
11,100
10,000
11,213
9,851
5,000 3,295
2,427 2,593
1,361 2,059 1,840 1,615 1,995 2,019 2,006
0
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
整體淨收益 Net Income 利息淨收益 NII 手續費淨收益 Net Service Fee Income
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Net
11,100 12,837 11,611 14,727 16,246 17,155 17,528 17,583 18,811 19,886
Income
Net
Interest 12,398 12,875 13,755 9,851 11,213 12,787 12,923 13,581 14,752 15,401
Income
Net Service
1,361 2,059 1,840 1,615 1,995 2,019 2,006 2,427 2,593 3,295
Fee Income
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9

Net Income Breakdown (2015)

(in NT$ mn)

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Net Income Breakdown
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10

Net Service Fee Income Breakdown(2015)

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  1. Net service fee income made up 17% of the total net income in 2015.

  2. TBB will make use of the high quality of our workforce to proactively expand wealth management business in 2016.

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11

Operating Expenses

(in NT$ mn)

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90.00%
83.63%
81.41%
80.00% 75.98%
64.20%
70.00%
59.94% 59.56% 60.10% 61.07%
57.58% 57.28%
60.00%
50.00%
40.00%
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
百分比(%)
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2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Net
Income		 11,100 12,837 11,611 14,727 16,246 17,155 17,528 17,583 18,811 19,886
Operating
Expenses		 9,283 9,753 9,452 9,455 9,738 10,218 10,535 10,738 10,831 11,390
percentage
%		 83.63 75.98 81.41 64.20 59.94 59.56 60.10 61.07 57.58 57.28

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12

Operating Results

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13

、 Loan Deposit and FX Volumes

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11,379.97 [11,986.27 ] 60,418 62,204 [65,106]
10,786.35 57,119
54,545
11,123.24 52,341 52,229
10,257.41 10,699.06 49,097
46,704
43,923
10,034.40
9,530.29
10,127.08
8,961.65
8,548.22 9,633.47
9,437.48
9,543.61
8,954.97 9,352.75
8,329.16
8,332.14
7,693.49
7,121.48
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
外匯承作量（百萬美元） FX Volumes (in US mn)
存款平均餘額 Deposit 放款平均餘額 Loan
(in 100 NT$ mn)
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2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Deposit 8,548.22 8,961.65 9,530.29 10,034.40 10,257.41 10,699.06 10,786.35 11,123.24 11,379.97 11,986.27
Loan 7,121.48 7,693.49 8,329.16 8,332.14 8,954.97 9,437.48 9,352.75 9,633.47 9,543.61 10,127.08
FX Volumes
(in US mn)		 46,704 52,341 57,119 43,923 52,229 60,418 49,097 54,545 62,204 65,106

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14

Loan Breakdown (2015)

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Only include international
syndicated loan
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Rearrange the structure of loans and switch from less profitable government loans to more profitable business including SMEs loans, retail loans and overseas loans to acquire steady growth of the loan business.

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15

Deposit Breakdown (2015)

(in 100 NT$ mn)

By Currency

By Period

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2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Demand
Deposits
Rate		 40.60% 40.68% 37.03% 39.74% 44.48% 46.34% 46.97% 47.82% 48.80% 49.16%

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16

Interest Spread and NIM

0.50
0.80
1.10
1.40		 1.29
1.34
1.34
1.37
1.35
1.00
1.01
1.02
1.06
1.04
2011
2012
2013
2014
2015
總存放利差
淨利差
(％)
NIM
Interest Spread		 1.29
1.34
1.34
1.37
1.35
1.00
1.01
1.02
1.06
1.04
2011
2012
2013
2014
2015
總存放利差
淨利差
(％)
NIM
Interest Spread		 1.29
1.34
1.34
1.37
1.35
1.00
1.01
1.02
1.06
1.04
2011
2012
2013
2014
2015
總存放利差
淨利差
(％)
NIM
Interest Spread		 1.29
1.34
1.34
1.37
1.35
1.00
1.01
1.02
1.06
1.04
2011
2012
2013
2014
2015
總存放利差
淨利差
(％)
NIM
Interest Spread		 1.29
1.34
1.34
1.37
1.35
1.00
1.01
1.02
1.06
1.04
2011
2012
2013
2014
2015
總存放利差
淨利差
(％)
NIM
Interest Spread		 1.29
1.34
1.34
1.37
1.35
1.00
1.01
1.02
1.06
1.04
2011
2012
2013
2014
2015
總存放利差
淨利差
(％)
NIM
Interest Spread
2011 2012 2013 2014 2015
Interest Spread 1.29 1.34 1.34 1.37 1.35
NTD Spread 1.23 1.29 1.31 1.37 1.33
FCY Spread 1.80 1.78 1.63 1.50 1.53
NIM 1.00 1.01 1.02 1.06 1.04

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17

Overseas Branches

TBB has 6 overseas branches, and the Yangon Representative Office, TBB International Leasing Co., Ltd. and TBB (Cambodia) Microfinance Institution Plc..

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18

Overseas Income

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Overseas
31%
Domestic
69%
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19

Asset Quality

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20

、 NPL Ratio Coverage Ratio

0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio		 2.55%
2.17%
2.25%
1.87%
1.13%
0.65%
0.92%
0.76%
0.46%
0.48%
35.57%
40.77%
41.09%
47.45%
79.17%
137.99%
93.53%
141.61%
236.78%
231.22%
0.00%
50.00%
100.00%
150.00%
200.00%
250.00%
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
逾放比率
備抵呆帳佔逾期放款之覆蓋率
(in NT$ mn)
NPL Ratio
Coverage Ratio
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
NPL 19,267 18,283 20,143 17,248 10,526 6,159 8,876 7,388 4,618 4,905
NPL Ratio 2.55% 2.17% 2.25% 1.87% 1.13% 0.65% 0.92% 0.76% 0.46% 0.48%
Coverage
Ratio		 35.57% 40.77% 41.09% 47.45% 79.17% 137.99% 93.53% 141.61% 236.78% 231.22%

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、 Provision Write-Off and Recovery

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Credit Rating

Credit Rating

Taiwan Ratings (Jan 15,2016)

  • Short-term Rating ： twA-1 
Highlight

The asset quality, includes both capital structure and profit ability, is improving. The outlook of credit rating became POSITIVE.

  • Long-term Rating ： twA+

  • Outlook ： Positive

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Operational Objectives and Business Highlights

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Operational Objectives

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•
Enhance Focus on loans for industrial Park companies, cultural creative industry, SMEs and
loans in foreign currencies.
•
Profitability Increase spread between deposits and loans.
•
Boost wealth management.
Expand
•
Overseas Strengthen the capital and functions of OBU and overseas branches.
•
Markets Inculcate international financial expertise in potential personnel.
•
Develop Upgrade in infrastructure and software of IT system.
•
e-Banking Help employees adapt to the era of digital banking.
•
Strength Risk Lower credit risk.
•
Management Expedite write-offs, reduce NPL ratio, and augment coverage ratio.
Bring forth •
Provide intensive training in profitable arenas.
Efficacious Human
•
Help employees accommodate themselves to the more competitive sectors.
Resources
• •
Reduce carbon emission. Better corporate governance.
Fulfill Social
• •
Participate in philanthropic activities. Further advance disclosure and
Responsibilities •
Improve investor relations. transparency.
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The Five Business Highlights

  • Increase the value of physical branches channel

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Integrate online and
offline services
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  • In response to the trend of digital banking, plan smart branches, mobile credit card, mobile payment, mobile APP, and etc.

  • Emphasize our niche market of specializing in the comprehensive services in the financing of SMEs.

  • Expand the presence of TBB not only in mature markets such as New York and Tokyo but also in emerging markets such as Myanmar and Cambodia.

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Grasp the aging
opportunities
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  • Launch products that combine the services of mortgages, trust and annuities that give comprehensive services to retirees

 Utilize our advantage in our industrial park customers to foster the business of foreign exchange, trust, and wealth management.

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Focus on strength
business
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 Develop strategic alliance with other financial institutions in the areas of insurance, mutual funds and other wealth management in order to provide all-around products.

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Enhance strategic
alliance
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  • Develop strategic alliance with other professions such as e-commerce to form the necessary ingredients of digital banking.

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Thank you

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27

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