ꎆҐ 舤䡙 ࡻ ﷿ﱶ
ﺶ㥺灰灰㑦๺敵㴢﷿靺㭓඄꾗㑩﮹
﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿﷿

橛⽵華ږ㦑㺞ಌ蒂ᵸ흟踤肟⦌

00ږ㦑㺞ಌ蒂ᵸ흟﷿빵ﺶ㥺灰灰㑦๺敵颃慲㴢﷿靺㭓඄꾗㑩﮹ǿ

00๺敵颃⨢靺㭓﮴腿荵随艔敵颃啐27.0%﷿靧147ᶌ㦑﷿ǿ

00๺敵颃鉶肟慲﮴腿荵随艔敵颃啐10.3%﷿靧158ᶌ㦑﷿ǿꆔ䑑﷿푚陋灰⢍褐ᔰ⑕퍮溜鉶肟慲﮴腿啐9.2%﷿靧25ᶌ㦑﷿ⱕ푚陋ﺶ⢍褐ᔰ⑕퍮溜鉶肟慲﮴腿啐11.9%﷿靧105ᶌ㦑﷿ǿ靧푚陋﷿靺⑕퍮溜鉶肟慲﮴腿啐5.1%﷿靧28ᶌ㦑﷿ǿᲂ钙﷿๺敵颃彦궀﮴腿随艔敵颃袜閭5.0%﷿靧9,682➌ǿ

00₌๺敵颃慲鉶靺㭓﮴腿䑑﷿㡸궔鹞벃﯀譎﷿䉙㹜๏慲鉶靺㭓﮴溜誘㩿ﷀ﷿乣艔敵颃慲25.9%﷉靧๺敵颃慲42.1%ǿ䑑﷿乗䁗2.25ދ㡸橛慲﷿ǿ㡸ږ㦑䲈﷿쑲⦞縤﷿䉙㹜๏慲鉶靺㭓﮴溜誘㩿ﷀ﷿₌๺敵颃Ṗ쐃橛げ靧55.8%﷿﷿癣䲈꾗ቔ㡸䲈﷿쑲⦞縤﷿䉙㹜๏慲靺㭓縤譎ǿ  

00๺敵๩慲Ⅻ댰Ὑ靺㭓﮴腿ྃ荵随艔敵๩袜閭0.4%﷿靧7,971ᶌ㦑﷿ǿ

00๺敵颃靺㭓﮴腿⒍店㩿譎陋﷿ɒ㵪﮴腿㩿譎料筞佧呭﷿﷿䁗⢞﷿0.01%陋0.03%ǿ
 
Źﺼ鎐얚

1.0颗閔꾗㑩溜﷿䥫慲䡑統請葧㴢﷿靺㭓﮴腿츁residential mortgage loans﷿媃誘䲈ҐﯕҐ㴢﷿靺㭓﮴腿慲98%ǿ

2.0₌袘඄꾗㑩䑑﷿㴢﷿靺㭓﮴腿ꊔ幧౨袟㡸ᔥ坬떆㴢﷿䊕쑲慲﮴腿츁ﲰ﷿閭靺陋﷿靺﷿﷿륞Ⱕ䊕쑲ﲰ﷿Ⅻ噦饬따䍦﷿﷿詟ﲰ﷿湭퉔佧඄﷿쉗﷿湭罒請葧㹜﷿඄﷿쉗陋湭빞퉔╟඄﷿쉗慲따䍦ǿ

3.0鉶﮴腿츁new loans approved﷿ꊔ皑敵颃Œ鉶肟慲靺㭓﮴腿ǿ륞Ⱕ﮴腿統㡸₌﷿灰袟敵Œ⨢﷿Ŗ統₌随慲敵颃⩣⨢ǿ꥜鉶肟﷿Ⅻ큩⨢慲﮴腿鮏뒀湭皑敵颃꥜鉶肟﷿Ⅻ큩⨢慲﮴腿쉗츁new loans approved during the month but not yet drawn﷿閔핸Œǿ륞閔﷊뾀﷿쑜嵗山㡸慲敵颃慲幧肟﮴腿ྃ荵ǿ

4.0⒍店㩿譎츁delinquency ratio﷿ꊔꕞҌ靺㭓﮴腿ྃ荵誘Ⅻ댰Ὑ靺㭓﮴腿ྃ荵慲㩿譎ǿ

5.0﷿ɒ㵪﮴腿㩿譎츁rescheduled loan ratio﷿ꊔ﷿ɒ㵪﮴腿ྃ荵誘Ⅻ댰Ὑ﮴腿ྃ荵慲㩿譎ǿ

6.0ﺶ靺㭓඄﷿츁co-financing schemes﷿ꊔﶳ蚀䡑統請鉶肟慲靺㭓﮴腿钙﷿乣ၬ者踤큢몎Ꞇ﯋﮴請葧㵝ᔥﺶ靺㭓慲﮴腿ǿ袘඄꾗㑩扠ﲰ﷿乣彦欁請鉶肟慲﮴腿ǿ

7.0皑敵颃鉶﮴腿慲料靺㭓㩿譎츁average loan-to-value ratio﷿陋﮴腿料纆媃Ҍ츁average contractual life﷿料﷿閭࠱料﷊뾀﷿඄ﲕᑻ㡸袟⢞彦欁請葧₌皑敵颃鉶肟慲﮴腿荵﷿閭࠱깓ǿ

8.0ﶹ젰12袟敵⊍𢡊﮴腿츁loans written off﷿誘料Ⅻ댰Ὑ﮴腿慲鑏䁗㩿慲඄ﲕቩ᭿橛睭₌ﶹ젰12袟敵Ҍ籭Œ⊍𢡊﮴腿ྃ荵誘皑獔12袟敵慲Ҍ籭Œ料Ⅻ댰Ὑ﮴腿ྃ荵앵螑츁Ҍ궑Ⅻ댰Ὑ﮴腿⑖﷿Ҍ‥Ⅻ댰Ὑ﮴腿⑖﷿蚖 2㩗慲鑏䁗㩿ǿ



뭳썗㑦靨敵뭳噧츁ݒҌ灰﷿
ږ㦑ᑻ籭ᑻ㡞뭳䁗

鮏⸢ᲂ讚