Credit Asset Quality and Risks

Taipei Fubon Bank has continued to carry out robust risk management measures as its business has grown to maintain favorable asset quality.

Asset Quality Indicators

4Q17 1Q18 2Q18 3Q18 4Q18
NPL Ratio 0.17% 0.21% 0.20% 0.19% 0.17%
Coverage Ratio 764.46% 627.57% 668.83% 694.06% 784.68%

Concentration by Sector

Sector Dec. 31, 2018
Amount(NT$1,000) %
Individuals $681,387,936 52.43
Private enterprises $466,443,553 35.89
Government organizations $62,059,416 4.78
Financial institutions $57,554,699 4.43
State-owned enterprises $31,055,954 2.39
Nonprofit organizations $991,959 0.08
Total $1,299,493,517 100.00

Rank Company/Group Enterprise and Industry Involved In (Note 1) Outstanding Credit Balance (NT$1,000)Dec. 31, 2018 (Note 2) As % to net worth as of Dec. 31, 2018
1 Group Enterprise A (Other electronic components manufacturing) $11,796,879 6.35
2 Group Enterprise B (Petrochemical manufacturing) 11,249,478 6.05
3 Group Enterprise C (Semiconductor packaging and testing) 8,300,759 5.68
4 Group Enterprise D (Passive component manufacturing) 6,530,662 3.51
5 Group Enterprise E (Ocean freight brokerage services)) 6,020,275 3.24
6 Group Enterprise F (Portable, handheld, desktop computers; data centers; and holding companies) 5,794,622 3.12
7 Group Enterprise G (Cable TV and other subscription TV providers) 5,708,168 3.07
8 Group Enterprise H (Real estate) 5,375,960 2.89
9 Group Enterprise I (LCD display and related component manufacturing) 4,793,565 2.58
10 Group Enterprise J (LCD display and related component manufacturing) 4,640,000 2.50

Note 1: The term Group Enterprise refers to enterprises defined in Article 6 of the Supplementary Provisions to the Taiwan Stock Exchange Corporation Rules for Review of Securities Listings.
Note 2: Total credit balance refers to various types of credit (import and export bill advances, discount notes, overdrafts, short-term loans, short-term collateral, margin loan receivables, mid-term loans, mid-term collateral, long-term loans, long-term collateral, overdue receivables), bills purchased, non-recourse factoring, banker’s acceptances, and guarantee balance.