TBB — Interim / Quarterly Report 2017

Sep 4, 2017

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Taiwan Business Bank Financial Review of 2017Q2

2017.09.04

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0

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

rations Review of 2017 2 Ope Q

Significant Profit Growth and Asset Quality Improvement

• TBB reported a net income of NT$3,443 million for 2017Q2 (+9.55% YoY); net service fee income NT$1,550 million for 2017Q2 decreased by 17.86% YoY; interest income NT$7.51 billion increased by 1.83% YoY.

• Loan balance in 2017Q2 was NT$1,061 billion, grew 8.7% YoY; deposit balance in 2017Q2 was NT$1,314 billion, grew 4.12% YoY; the FX volume was USD 34.82 billion, grew 18.31% YoY.

• The net interest spread for 2017Q2 was 1.30% (-4bp YoY), the net interest margin (NIM) in 2017Q2 was 0.96% (-0bp YoY).

• As for asset quality, NPL ratio in 2017Q2 was 0.38%, decreased 3bp YoY; coverage ratio in 2017Q2 was 296.63%, both achieved the best level ever.

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2

Financial Performance

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3

Assets and Liabilities

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3,000,000
2,000,000
1,476,142 1,481,468 1,499,037 1,515,992 1,524,665 1,546,037 1,546,197 1,535,347 1,521,804
1,408,483 1,411,410 1,428,167 1,444,599 1,452,670 1,473,747 1,473,407 1,461,801 1,447,873
1,000,000
-
2015/12 2016/6 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6
(1) (2)
Asset Liabilities
(in NT mn)
2017 to 2016
2015/12 2016/6 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6
Growth Rate
(1) (2) ［ (2)-(1) ］ /(1)
Asset 1,476,142 1,481,468 1,499,037 1,515,992 1,524,665 1,546,037 1,546,197 1,535,347 1,521,804 2.72%
Liabilities 1,408,483 1,411,410 1,428,167 1,444,599 1,452,670 1,473,747 1,473,407 1,461,801 1,447,873 2.58%
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4

Stockholders’ Equity

60,000 65,000 70,000 75,000 80,000	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 10.00 10.50 11.00 11.50 12.00 12.50 13.00 2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) stockholdrs' equity BVPS
										(in NT mn)
	2015/12 2016/6 (1) 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 (2) 2017 to 2016 Growth Rate ［(2)-(1)］/(1)
Stockholder s’ Equity	67,659 70,058 70,870 71,393 71,995 72,290 72,790 73,546 73,931 5.53%
Common Stock	56,847 56,847 59,689 59,689 59,689 59,689 59,689 59,689 59,689 5.00%
BVPS (in NT$)	11.90 12.32 11.87 11.96 12.06 12.11 12.19 12.32 12.39 0.57%

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5

、 Assets Liabilities and Stockholders’ Equity Breakdown

2017/6 Asset 2017/6 Liabilities

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(in NT mn) 2017/6 Shareholders’ equity

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2016/12 Asset

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2016/12 Shareholders’ equity

2016/12 Liabilities

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6

Income Growth

(in NT mn) 2015 Monthly Average 2016 Monthly Average (HSR included) 2016 Monthly Average (HSR not included) (1) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 2017 Monthly Average(2 ) 2017 to 2016 Growth Rate ［(2)-(1)］/(1) Net Income 708 732 679 794 570 686 684 710 849 716 5.45% Operating Expense 194 205 152 216 25 78 103 129 299 142 -6.59% Pre-tax Income 514 527 527 578 545 608 581 581 550 574 8.92% 708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 400 500 600 700 800 900 1,000 2015 Monthly Average 2016(HSR not included) ~~(1)~~ 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 Net Income Pre-tax Income • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	(in NT mn) 2015 Monthly Average 2016 Monthly Average (HSR included) 2016 Monthly Average (HSR not included) (1) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 2017 Monthly Average(2 ) 2017 to 2016 Growth Rate ［(2)-(1)］/(1) Net Income 708 732 679 794 570 686 684 710 849 716 5.45% Operating Expense 194 205 152 216 25 78 103 129 299 142 -6.59% Pre-tax Income 514 527 527 578 545 608 581 581 550 574 8.92% 708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 400 500 600 700 800 900 1,000 2015 Monthly Average 2016(HSR not included) ~~(1)~~ 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 Net Income Pre-tax Income • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.	708 679 794 570 686 684 710 849 514 527 578 545 608 581 581 550 2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 • Net income was NT$3,443 million for 2017Q2 (+9.55% YoY), the average monthly growth rate (HSR not included) was 8.92%.
		708 679 794 570 686 514 527 578 545 608							684 710 849 581 581 550
		2015 Monthly Average 2016(HSR not included) 2017/1 2017/2 2017/3
			~~(1)~~							Net Inco	me		Pre-tax	(in NT mn) Income
		2015 Monthly Average 2016 Monthly Average (HSR included) 2016 Monthly Average (HSR not included) (1) 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 2017 Monthly Average(2 ) 2017 to 2016 Growth Rate ［(2)-(1)］/(1)
	Net Income 708 732 679 794 570 686 684 710 849 716 5.45%
	Operating Expense 194 205 152 216 25 78 103 129 299 142 -6.59%
	Pre-tax Income 514 527 527 578 545 608 581 581 550 574 8.92%

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7

Income Breakdown

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(In NT mn)
2017/1-6
Net income breakdown
2016/1-12
Net income breakdown
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8

Overseas Income

(in NT mn)

2017/1-6

2016/1-12

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Note ： % indicates the percentage of the total net income before tax.

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9

O eratin Ex ense Ratio p g p

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61.10%
62.00%
58.83%
60.00% 58.08% 57.92% 57.87%
57.27%
58.00% 56.58%
55.11%
56.00%
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57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%	57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%	57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%	57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%	57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%	57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%	57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%	57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%	57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%	57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%	57.27% . 56.58% 58.08% 57.92% 57.87% 55.11% 56.00% 58.00% 60.00%
(in NT mn) 2015 Monthly Average 2016 Monthly Average (HSR included) 2016 Monthly Average (HSR not included) (1) 2017/01 2017/02 2017/03 2017/04 2017/05 2017/06 2017 Monthly Average (2) 2017 to 2016 Growth Rate ［(2)-(1)］ /(1) Net Income 1,657 1,701 1,647 1,829 1,467 1,636 1,625 1,686 1,887 1,688 2.49% Oerating Expense 949 969 969 1,035 896 950 941 975 1,040 973 0.41% Percentage 57.27% 56.97% 58.83% 56.58% 61.10% 58.08% 57.92% 57.87% 55.11% 57.64% -2.03% 50.00% 52.00% 54.00% 2015 Monthly Average 2016 Monthly Average (HSR not included) (1) 2017/01 2017/02 2017/03 2017/04 2017/05 2017/06
										(in NT mn)
	2015 Monthly Average 2016 Monthly Average (HSR included) 2016 Monthly Average (HSR not included) (1) 2017/01 2017/02 2017/03 2017/04 2017/05 2017/06 2017 Monthly Average (2) 2017 to 2016 Growth Rate ［(2)-(1)］ /(1)
	Net Income 1,657 1,701 1,647 1,829 1,467 1,636 1,625 1,686 1,887 1,688 2.49%
	Oerating Expense 949 969 969 1,035 896 950 941 975 1,040 973 0.41%
	Percentage 57.27% 56.97% 58.83% 56.58% 61.10% 58.08% 57.92% 57.87% 55.11% 57.64% -2.03%

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10

、 Loan Deposit and FX Volumes

FX Volumes (in USD mn)

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1,350,000
1,291,069 1,288,009 1,292,427 [1,300,941 1,303,596 1,302,108 1,314,048 ]
1,269,884 1,262,099 2016 2017
1,250,000 6,923
6,173 6,111 5,921
4,985 5,171
1,150,000 7,036
5,890
4,912 [5,264 4,610 5,865 5,139 5,197 5,977 ]
4,804
1,050,000 4,218
975,745 3,881
1,044,178 1,039,982 1,028,973 1,030,562 1,040,407 [1,048,630 1,060,600 ]
1,011,310
950,000
2015/12 2016/06 2016/12 2017/01 2017/02 2017/03 2017/04 2017/05 2017/06 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Loan Deposit
(in NT mn)
2017/6 to
2016/6
2015/12 2016/6 2016/12 2017/1 2017/2 2017/3 2017/4 2017/5 2017/6 Growth
Rate
［ (2)-(1) ］ /(1)
Deposit 1,269,884 1,262,099 1,291,069 1,288,009 1,292,427 1,300,941 1,303,596 1,302,108 1,314,048 4.12%
Loan 1,011,310 975,745 1,044,178 1,039,982 1,028,973 1,030,562 1,040,407 1,048,630 1,060,600 8.70%
FX Volumes
65,106 29,433 63,257 4,804 9,976 15,866 21,977 27,898 34,821 18.31%
(in USD mn)
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11

Loan Breakdown

(in NT 100mn)

2017/1-6 by Currency

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2017/1-6 NTD Loan by Business

2017/1-6 Foreign Currency Loan by Region

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2016 by Currency

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2016 NTD Loan by Business

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2016 Foreign Currency Loan by Region

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12

De osit Breakdown p

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2017/1-6 by 2017/1-6 by (in NT 100mn)
Currency Period
2016 by 2016 by
Currency Period
2017/
2015 2016/1-6 2016/1-12 2017/01 2017/02 2017/03 2017/04 2017/05 2017/06
1-6
Demand Deposits
49.16% 52.84% 55.08% 53.75% 53.03% 53.51% 52.81% 53.04% 53.36% 53.25%
Ratio
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13

Net Interest S read and NIM p

0.80 0.90 1.00 1.10 1.20 1.30 1.40	135	135	135	135	135	135								1.32 1.31 1.30 0.97 0.96 0.96 2016/ 1-12 2017/ 1-3 2017/ 1-6 NIM	1.32 1.31 1.30 0.97 0.96 0.96 2016/ 1-12 2017/ 1-3 2017/ 1-6 NIM	1.32 1.31 1.30 0.97 0.96 0.96 2016/ 1-12 2017/ 1-3 2017/ 1-6 NIM	1.32 1.31 1.30 0.97 0.96 0.96 2016/ 1-12 2017/ 1-3 2017/ 1-6 NIM	1.32 1.31 1.30 0.97 0.96 0.96 2016/ 1-12 2017/ 1-3 2017/ 1-6 NIM	1.32 1.31 1.30 0.97 0.96 0.96 2016/ 1-12 2017/ 1-3 2017/ 1-6 NIM	1.32 1.31 1.30 0.97 0.96 0.96 2016/ 1-12 2017/ 1-3 2017/ 1-6 NIM
	. 1.34 1.04 0.98						1.34 1.32							1.32 1.31 1.30 0.97 0.96 0.96
														. 1.
							0.96 0.96
	2015/ 1-12 2016/ 1-3						2016/ 1-6 2016/ 1-9 Interest Spread
																				unit: %
	2015/ 1-12 2016/ 1-3 2016/ 1-6													2016/ 1-9 2016/ 1-12 2017/ 1-3 2017/ 1-6
Net Interest Spread 1.35 1.34 1.34														1.32 1.32 1.31 1.30
NTD Spread 1.33 1.30 1.29														1.27 1.26 1.24 1.23
FCY Spread 1.53 1.79 1.83														1.86 1.90 2.02 2.02
NIM 1.04 0.98 0.96														0.96 0.97 0.96 0.96

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14

Asset Quality

Asset	Quality	Quality	Quality	Quality	Quality	Quality	Quality	Quality	Quality	Quality	Quality	Quality
0.00% 50.00% 100.00% 150.00% 200.00% 250.00% 300.00% 350.00%	41.09% 47.45% 79.17% 137.99% 93.53% 141.61% 236.78% 231.22% 277.63% 296.63% 2.25% 1.87% 1.13% 0.65% 0.92% 0.76% 0.46% 0.48% 0.43% 0.38% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017/ 1-6 ~~C Rti~~ ~~NPL Rti~~
	41.09% 47.45% 79.17% 137.99% 93.53% 141.61% 236.78% 231.22% 277.63% 296.63% 2.25% 1.87% 1.13% 0.65% 0.92% 0.76% 0.46% 0.48% 0.43% 0.38%
	2008 2009 2010 2011
						~~overage~~	~~ao~~		~~ao~~			(in NT mn)
	2008 2009 2010				2011 2012 2013 2014 2015 2016 2017 /1-6
NPL 20,143 17,248 10,526					6,159 8,876 7,388 4,618 4,905 4,520 4,107
NPL Ratio 2.25% 1.87% 1.13%					0.65% 0.92% 0.76% 0.46% 0.48% 0.43% 0.38%
Allowance for bad debts 8,276 8,185 8,333					8,500 8,301 10,462 10,934 11,342 12,550 12,182
Coverage Ratio 41.09% 47.45% 79.17% 137.99% 93.53% 141.61% 236.78% 231.22% 277.63% 296.63%
Bad Loans Write-offs 1,103 3,709 3,060 3,392 3,269 2,023 3,044 3,095 2,884 1,503

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15

Ca ital Ade uac Ratio p q y

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	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2
BIS(%)	11.96	11.24	11.38	11.11	12.17	11.91	12.62	12.57
Tier1 Ratio(%)	8.99	8.84	8.99	8.87	10.01	9.59	9.67	9.56
CET1(%)	8.11	7.98	8.18	8.08	8.25	7.91	8.04	7.99

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16

Thank you

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17