The group's core subsidiary, BOT, achieved earnings after tax of NT$10,354 million, exceeding the annual budget target. Performance was excellent in every line of business, and BOT remained the industry leader in deposits and loans as well as the gold and trust businesses. Moreover, it succeeded in its "Triple 100 Billion" initiative, i.e. a plan to: (1) attract new US Dollar deposits equivalent to NT$100 billion; (2) act as lead bank for syndicated loan deals worth a combined total of NT$100 billion; and (3) extend a total of NT$100 billion in special low-interest loans to finance the renovation or rebuilding of hazardous and dilapidated buildings. The Bank has already achieved 43.56% of the market shares of syndicated loans and remained the first place of Mandated Lead Arranger (MLA) and Bookrunner of syndicated loans. In addition to actively growing its business, the bank also paid close attention to risk management, posting an NPL ratio of 0.29% and a coverage ratio of 497.80%. The quality of BOT's loan assets is thus quite good.