2015

p4 / 3.0 - p16 / p28 /

p36 / p46

11

175

CEO

www.pwc.tw

b PwC Taiwan

02

1.

04

05

09

12

2. 3.0 -

16

17

21

(FinTech)

24

3.

28

29

32

35

4.

36

37

40

45

5.

46

47

49

50

51

2015

CEO

11

2015

PwC Global CEO Survey Report

Financial Sector 2015

3.0

(Transboundary)

(Transformation)

DoubleT:

2 PwC Taiwan

3.0
(Financial Technology,
FinTech)

3.0

CSR

CSR
DNA

3.0

2015

1.

4 PwC Taiwan

57

RCEP

FTA

21

26 44 21

1.6

63

2.5

30

1000

, AIIB)

2015

6 PwC Taiwan

91 5 17

GDP

3,000 300



300 ?
40%
148 50%
100 10%

11

2015
2015

Bank Non-Bank

PC
home

8 PwC Taiwan

End Gate

5 *

MA

(
)
( )



S ol o C o m o(S o c i a l L o c at i o n
CommercialMobile)

* 5
8.6

Source: AC Nielsen

(MA
)

We know China

37%

(Channel)

ECFA

PwC

2015 Global CEO Survey Report

40%

CEO

2015

Leadership

Logistic

Localized

2015
Long-term

view

Social Media

Facebook

Long

term view

License, Leadership,
Bank 3.0
Logistic, Localized Long-term

view

License

2002

10 PwC Taiwan


2011
4.9 Internet Banking
Mobile Banking 0.6
15% 2014
12.2 2
Internet
Mobile 0.6 7.7
12
Internet Mobile

Internet
Mobile

Total Solution

Internet
Mobile

Clean Up The World

YouBike

0
1

Green Policy
13

CSR

M
VIP

VIP

2015
2015 11

40 5%
10

30%

50%

(ROE)

MayBank CIMB

12 PwC Taiwan

2015 13

4~5%

7%

1:32

14 PwC Taiwan

(know-how)

(investment bank)

(commercial
bank) Fidelity
Merrill Lynch
money market account

we
know China

we know Asia

3.0

3.0 3.0

6:4

3.0
1

3.0

2015
2015 15

2. 3.0 -

16 PwC Taiwan

3.0

Movenbank Brett King

Banking is no longer
somewhere you go but something
you do. 3.0

3.0

(Product-driven)

(Customer-driven)

3.0

3.0

PwC 2015 Global CEO Survey

Report 93%
CEO

2015 17

6:4

3.0

3.0

3.0 3.0

18 PwC Taiwan

Highly
Regulated

Overbank
OECD

RECP TPP


DNA 40%
2002

Diversified

Superior
Services

Digital Banking

Productdriven

Customer-driven

2015
2015 19

Bank 3.0 Banking

Internet

Digital Banking

Business-friendly

Banking Needs

Niche
Preference
Niche
Market
Effort

Consumer Behaviour

Customerdriven Consumer-driven

Derivatives Corporate
Customer

High-end

Customer

Customer- Mass Manufacturing

driven

20 PwC Taiwan

3
1

2015 21

1988 55

20% 55.3
% 44.7%

3.0

44.7%

22 PwC Taiwan

Online to Offline,O2O

(Worldwide)

OSU OSU

100 50%

CICC 1.5

2015
2015 23

 (FinTech)

3.0

(Financial
Technology, FinTech)

(peer-topeer lending)

P2P
Lending Club Zopa

24 PwC Taiwan

FinTech

14

P2P

FinTech

600 40

FinTech

2015 25

3-5%

7
31

26 PwC Taiwan

3.0
Bank 3.0
2015

IT
20%
10%
8%

2015
2015 27

3.

28 PwC Taiwan

RBC
ECFA

(trade-off)

2015 29

35
74 87
92

93

7%

7%

30 PwC Taiwan

Glory
Pride

Glory

,
Common equity capital (
)Tier 1 Capital(
) BIS ratio(
) 104
0.625
Tier 1 Capital
5.5% 0.625

diversify


Loan Spread

diversify Fee
Bank 3.0
Income trade operation

8%
2%

Peter Drucker
Leader Lead
Leader

Average worker constant

distance( )Leader
constant
distance

Self Complacency

(
)

2015
2015 31

PwC 2015 Global CEO Survey
Report 89%
CEO
80%
62%

L
LicenseLeadership
Logistic Localized Long-term
view

License

32 PwC Taiwan

2009

50

3 P/B

( )

(
)

1963 1995

8 7 7
163 We
Share & We Link

OIU (
Offshore Insurance Unit)

OIU

2015
2015 33

3D

90-100

100

Case Study

Big Data

34 PwC Taiwan

63% CEO

FinTech

PwC 2015 Global CEO Survey

Report 89%

CEO (Data

Mining)

PwC 2015 Global CEO Survey

Report93%

CEO

76%

CEO 53%

2015 35

4.

36 PwC Taiwan

2015 37

1993
7
2002

--

iPad

2012

2014
26 19 45

APP

38 PwC Taiwan

CEO

CSR

50

OIU
OIU

2015
2015 39

PwC 2015 Global CEO Survey

Report78%

CEO

Customer-driven

PwC

2015 Global CEO Survey Report

78% CEO

40 PwC Taiwan

2015 41

1998
(
)

11 6

(
)

42 PwC Taiwan

401K

( )

6%

( )

2015
2015 43

44 PwC Taiwan

3.0

2015 45

5.

46 PwC Taiwan

M VIP

CSR

CSR

CSR

CSR DNA

DJSI

CSR

2015 47

1961 4 19

48 PwC Taiwan

CSR

CSR

2015 3

CSR

CSR

CSR

CSR (The
Equator principle)

CSR DNA

2015 49


11
( )

( )

( )

( )

( )

( )

( )

( )

( )

( )

( )

50 PwC Taiwan

(02)2729-6704
richard.watanabe@tw.pwc.com

(02)2729-6613
ryan.c.lee@tw.pwc.com

(02)2729-5208
james.huang@tw.pwc.com

(02)2729-5204
maria.chen@tw.pwc.com

(02)2729-5239
jason.liu@tw.pwc.com

(02)2729-6100
ross.yang@tw.pwc.com

(02)2729-6717
ellen.kuo@tw.pwc.com

(02)2729-5300
mei.chi@tw.pwc.com

2015 51

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2015