Taishin FHC Corporate Social Responsibility Report 2019

43 Sustainable Governance Financial Performance Leverage Ratio 1-7 Business Performance Operating Financial Performance Total assets Total equity Returnoncommonshareholders’equity Debt/ Equity ratio Debt/ Asset ratio Net profit rate Return on assets Earnings per share Cash dividend per common share Stock dividend per common share Net Income Group’s capital adequacy ratio Revenue per employee Profit per employee Employee benefits TWD thousand TWD thousand % % % % % TWD TWD TWD TWD thousand % TWD thousand TWD thousand TWD thousand 1,576,985,727 Year 2016 1,677,520,316 2017 1,786,893,517 2018 2,030,941,331 148,875,634 155,322,109 174,517,953 179,017,737 9.58 9.61 9.06 9.54 959.26 980.03 923.90 1034.49 90.56 90.74 90.23 91.19 31.51 34.58 32.53 33.19 0.74 0.80 0.75 0.76 1.02 1.08 1.07 1.19 0.52 0.54 0.51 0.56 0.43 0.44 0.21 0.23 11,392,433 13,070,166 12,930,133 14,485,931 128.48 124.87 127.09 118.91 4,423 4,469 4,267 4,555 1,394 1,545 1,388 1,512 11,312,362 12,163,656 12,374,008 13,987,394 2019 Unit Basel III Tier 1 Capital Component 125,176,902 2017 140,262,561 2018 151,927,880 Basel III Underlying Exposure (Exposure of Balance Sheet) 1,739,520,467 1,847,485,561 2,057,794,466 2019 Unit: TWD thousand Basel III Leverage ratio 7.20% 7.59% 7.38% Taishin Holdings recorded a net after-tax profit of TWD 14.49 billion in 2019, an annual growth of 12%, after-tax earnings per share of TWD 1.19 , a return on common shareholders' equity of 9.54%, and a net common share value of TWD 12.86 at the end of the year. Thanks to the good performance of our financial market operations, we posted good earnings. Revenue from investment transactions grew 42.3%. Good performance in wealth management, franchise loans, and securities underwriting generated 7.7% year-on-year growth in fee revenue. With regard to the performance of the deposit and lending business of our subsidiary Taishin Bank, the total loan balance grew by 11.8%, while the total deposit balance grew by 13.4%, and foreign currency lending grew by 14.7%. With regard to the performance of the credit card business, the performance has been eye-catching on such indicators as the number of valid cards, number of partner stores, transaction amounts and gross fee income. In particular, the annual growth rate of trans - action amounts reached 22.7%, an excellent perfor - mance which exceeds the average level of our competitors. Wealth management also performed well, with net fee revenue growing by 8.7%. With regard to the performance of our subsidiary Taishin Securities, a continuous rise in the market share of its brokerage business, improved operating performance in operating securities, and successes in underwriting and listing cases, the annual net fee revenue grew by 25.7%