目錄 - 明台產物保險股份有限公司 · 企業社會責任 ... 明台於1961...

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前言

董事長序

公司組織表

公司大事記

營運報告

各險種保費收入及損失率統計表

資產負債表

綜合損益表

會計師查核報告

監察人查核報告書

企業社會責任

總公司及分支機構

Profile

Chairman's Message

Corporate Organization

Corporate Milestones

Business Report

Direct Premium Income and Loss Ratio by Class

Statement of Financial Position

Statements of Comprehensive Income

Independent Auditor's Report

Supervisors' Report

Corporate Social Responsibility

Head Office and Branch Offices

Contents目錄

1

43

前言PROFILE

明台於 1961年成立至今超過 50多年歷史，為國內市佔率第四之專業產物保險公司。2005年 9月加入日本三井住友海上集團，成為其旗下子公司。三井住友海上集團於 2010年 4月與愛和誼損害保險株式會社及日生同和損害保險株式會社整併，更名為 MS&AD保險集團。

本公司 2016年市場佔有率 7.94%，簽單保費新臺幣 11,524佰萬元，營收淨額新臺幣 9,053佰萬元，總資產為新臺幣 27,173佰萬元。2016年底為止之中華信用評等為「twAAA」，標準普爾信用評等「A」。除財務面有穩定表現，並持續落實企業社會責任，強化對內對外的溝通並付諸具體行動，希望藉由本業領域的專業表現與企

業社會責任的投入，提供安心與安全以促進社會蓬勃發展，創造穩健的地球環境，以期對臺灣的發展做出貢獻。

Founded in 1961, with more than 50 years of operating experience in Taiwan, Mingtai has been ranked as having the fourth largest market share in Taiwan. In September 2005, Mingtai joined the Mitsui Sumitomo Insurance Group and became one of MSIG’s subsidiaries. In April 2010, MSIG with Aioi Insurance Co., Ltd. and Nissay Dowa General Insurance Co., Ltd. were consolidated and officially changed the name to MS&AD Insurance Group Holdings.

In 2016, MSIG Mingtai’s market share in Taiwan achieved 7.94%, with total written premium of NT$11,524 million, net operating revenues of NT$ 9,053 million, and total assets of NT$ 27,173 million. By the end of 2016, Mingtai credit rating was rated A by Standard & Poors and twAAA by Taiwan Ratings. In recent years, Mingtai had demonstrated both profitability and efforts on Corporate Social Responsibility (CSR). Moreover, Mingtai also reinforces external and internal communication with concrete action plans. With sustained performance in insurance profession and dedication to CSR, Mingtai will help to secure a sound environment for the Earth by bringing security, safety and contributing to development of Taiwan society.

43

5

董事長序言CHAIRMAN’S MESSAGE

明台產險自 2005年加入三井住友海上集團，迄今已超過 10年。隨著母公司在日本的事業整合，明台於 2010年成為 MS&AD保險集團的一份子。MS&AD集團的服務據點遍佈於全球 40個以上國家及地區，2016年隨著MS Amlin的加入，集團海外保費收入成長約是 2015年的 2倍，海外事業較過去更為重要。

明台身為三井住友海上集團海外的主要子公司，持續透過企業風險管理模式（Enterprise Risk Management, ERM）及營運持續計劃（Business Continuity Plan, BCP）強化內部控制及風險控管制度。配合 MS&AD的中期營運計劃「Next Challenge 2017」（邁向 2017），在計劃的最後一年，除確保服務品質，也期望提升企業經營的效益，追求公司自有資本、風險組合以及預期利潤三者間的平衡與最佳化，以確保公司的永續經營，並

維護客戶的資產及權益。

面對臺灣產險市場的激烈競爭，明台依然堅持落實法令遵循的觀念、貫徹守法令重紀律的企業文化。在實現經

營理念的過程中考量環境與社會之相互影響，2017年明台企業社會責任（CSR）活動將持續以「區域社會貢獻（校園安全）」與「地球環境保護（Eco Smile）」為主軸進行活動，以展現對社會貢獻的決心與行動力。

2018年起MS&AD集團將開始下一階段的中期營運計劃，我們期許自己成為世界頂尖的保險及金融服務集團。因應國際情勢及全球經濟上的轉變、「共享經濟」的新生活模式產生與新興科技及新媒體的普及，集團正積極

研發符合保戶需求的新商品，並盡力提升服務品質。明台也將秉持「速度！創新！績效！」之態度落實經營方

針，追求創新的成長策略並持續高效率與高品質的業務流程改革，以提供更優質的保險服務。

It has been over a decade since Mingtai joined the Mitsui Sumitomo Insurance Group (MSIG) in 2005. Following the integration of parent company in Japan, we have become a member of the MS&AD Group in 2010. The MS&AD group has spread its network to over 40 countries and regions worldwide. With the addition of MS Amlin to the MS&AD Group, the group’s top line from overseas operations in 2016 was double compared with that in 2015, which meant the international businesses play a more important role than ever.

Mingtai, as a major overseas subsidiary of the MSIG, continues to strengthen our internal control and risk management through Enterprise Risk Management (ERM) and Business Continuity Plan (BCP). Entering the final year of MS&AD group’s mid-term business plan “Next Challenge 2017”, besides ensuring the quality of our services, Mingtai also look forward to promoting the benefit of corporate operatioins through balancing and optimizing the company’s own capital, risk portfolio and profit expectation in order to ensure the sustainability of the company and maintain customer’s assets and interests.

Even facing the fierce competition in Taiwan’s non-life insurance market, Mingtai insists on adhering to the laws and regulations, and implementing a disciplined and law-abiding corporate culture. Discovering the interaction of the environment and society during the process of fulfilling our group’s Mission, we therefore set “Local Social Contribution (Campus Safety)” and “Earth Environmental Protection (Eco Smile)” as our main Corporate Social Responsibility (CSR) activities in 2017 so as to demonstrate our determination and action toward contributions to the society.

In 2018, MS&AD group will start next stage of our mid-term business plan. Our aim is to become a top class insurance and financial service group in the world. To cope with the changing trends in the international situation as well as global economy such as new lifestyle so-called “sharing economy” and the spread of emerging technology/media, the Group is actively developing new products to meet the needs of our policyholders and to improve our service quality. By practicing Mingtai’s Operating Principles with the stance of “Speed! Innovation! Achievement!”, we will pursue innovative growth strategies and continue business process re-engineering for high efficiency/quality to provide more excellent insurance services.

6

2 0 1 6 A N N U A L R E P O RT

董事會Board of Directors

股東會Stockholders’ Meeting

董事長Chairman

總經理President

商品暨理賠本部Product and Claim Unit

後勤支援本部Administraion and

Supporting Unit

資訊科技處Information & Communication

Technology Division

再保險管理部

Reinsurance Management

Dept.

日系營業部Japanese Business Dept.

企業營業部Corporate

Marketing Dept.通路營業推進部Financial ChannelPromotion Dept.

車險營業推進部Motor Channel Promotion Dept.

金融保險營業推進部Alternative Channel

Promotion Dept.

企業營業推進部Corporate Business

Promotion Dept.

銷售管理部Sales Management Dept.

新種保險業務部Casualty Underwriting Dept.

海上保險業務部Marine Underwriting Dept.

損害防阻部Loss Prevention Dept.

核保一處Underwriting Division Ⅰ

核保二處Underwriting Division Ⅱ

營運創新推進處Operational Innovation

Division

業務流程改革推進部

Bussiness Process Re-engineering Promotion Dept.

保險科技創新中心InsurTech

Innovation Center

總務管理部Administrative Service Dept.

資訊部Information

Technology Dept.

總稽核Chief Internal Auditor

監察人Supervisors

稽核部Auditing Dept.

板橋分公司Panchiao Branch Office

台北分公司Taipei Branch Office

新莊分公司Hsinchuang Branch Office

羅東分公司Lotung Branch Office

花蓮分公司Hualien Branch Office

台南分公司Tainan Branch Office

嘉義分公司Chiayi Branch Office

斗六分公司Douliou Branch Office

台中分公司Taichung Branch Office

南投分公司Nantou Branch Office

彰化分公司Changhua Branch Office

桃園分公司Taoyuan Branch Office

苗栗分公司Miaoli Branch Office

新竹分公司Hsinchu Branch Office

風控長Chief Risk Officer

經營企劃處Corporate Planning

Division

風險管理部Risk Management Dept.

經營企劃部Corporate Planning Dept.

經營管理委員會Executive Management

Committee

資訊委員會Information Technology

Committee

風險管理暨法遵內控委員會Risk Management & Compliance and Internal Control Committee

投資委員會Investment Committee

總機構法令遵循主管Chief Compliance Officer

法務暨法令遵循部Legal & Compliance Dept.

理賠處Claim Management Division

銷售本部Sales Unit

營業推進處Business Promotion

Division

大台北銷售區Greater Taipei Sales Region

北羅花銷售區Pei-Lo-Hua Sales Region

桃竹苗銷售區Tao-Chu-Miao Sales Region

大台中銷售區Greater Taichung Sales Region

區核保中心Regional Underwriting Center

雲嘉南銷售區Yun-Chia-Nan Sales Region

高鳳屏銷售區Kao-Fong-Ping Sales Region

火災暨工程保險業務部Fire and EngineeringUnderwriting Dept.

車險業務部Motor Underwriting Dept.

傷害暨醫療保險部Accident & Health Underwriting Dept.

商品企劃部Product Planning Dept.

商業保險理賠部Commercial Line

Claims Dept.

大台中區理賠部Greater Taichung Regional

Claims Dept.

雲嘉南區理賠部Yun-Chia-Nan Regional

Claims Dept.

高鳳屏區理賠部Kao-Fong-Ping Regional

Claims Dept.

個人保險理賠管理部Personal Line Claims Management Dept.

大台北區理賠部Greater Taipei Regional

Claims Dept.

北羅花區理賠部Pei-Lo-Hua Regional

Claims Dept.

桃竹苗區理賠部Tao-Chu-Miao Regional

Claims Dept.

精算部Actuarial Dept.

財務處Financial Division

財務管理部Financial Management Dept.

會計部Accounting Dept.

資源管理處Resources

Management Division

人力資源部Human Resources

Dept.

營運創新本部Operational

Innovation Unit

董事長處Chairman's Division

企業營業處Corporate

Marketing Division

日系處Japanese Business

Division

高雄分公司Kaohsiung Branch Office

屏東分公司Pingtung Branch Office

公司組織表CORPORATE ORGANIZATION

9 10

◆ 1961.9.22 創立於臺北市延平北路，稱之為延平北路時代。Company was founded on September 22, 1961 at Yen Ping North Road Period, Taipei.

◆ 1970.2.28

總公司遷移臺北市吉林路，稱之為吉林路時代。Head office was moved to Chi Lin Road on February 28, 1970. This is known as the “Chi Lin Road Period” of the Company.

◆ 1978.5.15

◆ 1986 實施CI2250專案拓展計劃，業績耀昇至產險業第貳名。Launched the CI2250 Campaign entailing a sophisticated plan for our business expansion. The Company’s rank rose tosecond place in the market, in terms of premium income.

總公司遷移臺北市松江路，稱之為松江路時代。Head office was moved to Sung Chiang Road on May 15 1978. This is known as the “Sung Chiang Road Period” of the Company.

◆ 2008.07

◆ 2009.01 明台產物保險公司與三井住友海上集團臺北分公司正式合併，整合MSIG集團資源積極深耕臺灣市場。From January 1st, Mingtai officially merged with the Taipei branch of the Mitsui Sumitomo Insurance Group, and begins marshaling MSIG resources to delve more deeply into Taiwan’s market.

正式啟用三井住友海上集團控股公司之企業標誌，以專業熱忱及堅持服務品質之精神，守護每個物件對於客戶的價值。From July 1st, Mingtai officially adopts the logo of the Mitsui Sumitomo Insurance Group Holdings, expressing the company’ s commitment to protecting property values for our customers through professionalism and quality service.

◆ 2005.09.02 加入成為日本三井住友海上集團獨資的子公司。Merged by and became a wholly owned subsidiary company of Mitsui Sumitomo Insurance Group on September 2, 2005.

損害防阻中心通過ISO9002驗證。Obtained ISO 9002 certification for loss prevention services.

◆ 1990.07.30

成立損害防阻中心與客戶服務部。Established Loss Prevention Center and Customer Service Dept.

總公司遷移至臺北市仁愛路，進入仁愛路時代。Head office was moved to Jen Ai Road on July 30, 1990. Entering “Jen Ai Road Period” of the Company.

◆ 2011.07

◆ 2011.09

明台個人全方位保障綜合保險獲選為2011保險信望愛產險最佳商品創意獎。MSIG Mingtai’s Personal Comprehensive Protection Insurance Wins 2011 FHL Distinguished Policy Designer Award of Non-Life Insurance.

◆ 2010.04 母公司三井住友海上集團與愛和誼及日生同和整併為MS&AD保險集團。In April of 2010, MSIG, Aioi insurance co., Ltd. And Nissay Dowa General Insurance co., Ltd.Joined together as one group, and officially changing its name to the MS&AD Insurance Group Holdings.

◆ 2011.10 榮獲第四屆台灣保險卓越獎「保戶服務創新卓越獎」之殊榮。MSIG Mingtai wins the Outstanding Creativity in Customer service Award at the 4th Taiwan Insurance Best Performance Awards.

明台創立50週年。MSIG Mingtai celebrates the 50th anniversary of the company’s founding.

◆ 2013.08

榮獲第十六屆保險信望愛獎產險組最佳商品創意獎-運動員團體傷害保險、最佳保險教育貢獻獎、最佳保險專業獎、最佳通訊處獎-北投營業部的殊榮。MSIG Mingtai received four awards in Non-Life Insurance including “ Best Innovative Product - Athletes Group Accident Insurance”, “ Best Contributor to Insurance Education ”, “ Best Professional institute”, “ Best Liaison Office - Mingtai Beitou Liaison Office” at the 16th Faith, Hope & Love Awards of Insurance.

榮獲第十五屆保險信望愛獎產險組最佳保險專業獎、最佳商品創意獎–寵物綜合險、最佳通訊處-南港營業部及最佳企業社會責任獎的殊榮。MSIG Mingtai received four awards for Non-Life Insurance including “ the Best Professional Institute”, “Distinguished Policy Designer-Pet Insurance”, “the Best Liaison Office-Mingtai Nangang Liaison Office” and “the outstanding performance for Corporate Social Responsibility” at the 15th Faith, Hope & Love Awards of insurance.

成立Facebook粉絲團「明台安全聚樂部」，透過粉絲專頁分享全方位的安全資訊、CSR活動及校園安全宣導教材，透過定期的貼文，分享生活安全相關之資訊。FB網址: https://www.facebook.com/MingtaiclubMSIG set up the Mingtai Club Facebook fan page. This fan page offers comprehensive information on life security, CSR activities and campus safety through regular postings. FB site: https://www.facebook.com/Mingtaiclub

◆ 2013.05 明台推動校園安全活動受到遠見雜誌第九屆「企業社會責任獎」肯定，榮獲教育推廣組楷模獎。MSIG Mingtai wins the 9th 「Corporate Social Responsibility Paragon Award」in Education Promotion Category due to its outstanding performance in promoting campus safety activities. This award was given by “Global Views Monthly”.

明台產物首度推出臺灣的寵物保險”寵物綜合保險”MSIG Mingtai launched Taiwan’s first pet’s primary insurance “Pet insurance”.

◆ 2012

◆ 2014.09

◆ 2014.08

母公司三井住友海上保險集團宣布收購英國倫敦勞合社再保市場(Lloyd’s)主要保險公司 -Amlin PLCMitsui Sumitomo Insurance Group announced the acquisition of Amlin PLC - the major Syndicate of Lloyd’s reinsurance market in UK.

榮獲第十七屆保險信望愛獎產險組最佳通訊處獎-日系營業部的殊榮。MSIG Mingtai received an award in the Non-Life Insurance category “Best Liaison Office - Japanese Business Department” at the 17th Faith, Hope & Love Awards of Insurance.

榮獲104年度微型保險競賽「績效斐然」殊榮及104年度住宅地震保險卓越獎。MSIG Mingtai won the “Performance Excellence” award in the 2015 Micro Insurance Contest, and the 2015 Insurance Outstanding Award of Residential and Earthquake Insurance.

◆ 2015.10

◆ 2015.09

榮獲第十八屆保險信望愛獎產險組最佳通訊處獎-新店通訊處的殊榮。MSIG Mingtai received an award in the Non-Life Insurance category “Best Liaison Office - Xindian Office” at the 18th Faith, Hope & Love Awards of Insurance.

◆ 2016.08

榮獲《現代保險》保險品質獎：最佳形象獎、最佳售後服務獎、最佳專業獎、最值得推薦獎四大優等獎項。Best Quality Awards of Insurance from RMI for Best Image Award, Best Post-Sale Service Award, Best Professional Award and Most Recommended Awards.

◆ 2016.11

獲頒「2016卓越最佳保險評比」~產險類－最佳風險控管獎之殊榮。2016 Insurance Excellence Awards ~ Best Risk Management Award.

◆ 2016.12

榮獲105年度住宅地震保險卓越獎。2016 Insurance Outstanding Award of Residential and Earthquake Insurance.

榮獲105年微型保險業務績優獎之殊榮。2016 Micro Insurance Sales Performance Award.

1961

1978

1990

2000

2008

2010

1970

2011

1986

2005

2009

1998-1999

2014

2016

2013

2015

2012


公司大事記CORPORATE MILESTONES

1211

Forward領航 / 拓展延伸 .升空高飛

1413

1615


營運報告BUSINESS REPORT

一、財務狀況 Financial Position截至 2016年十二月底止，本公司總資產新臺幣 27,173佰萬元，總負債新臺幣 18,559佰萬元。2016

年度的經營損益，簽單保費收入為新臺幣 11,524佰萬元，自留賠款 4,220佰萬元，本期淨利 (稅後 )525

佰萬元，本期綜合損益總額 (稅後 )429佰萬元，每股稅後盈餘為新臺幣 2.07元。

As at the end of December 2016, our total assets amounted to NT$27,173 million and total

liabilities came to NT$18,559 million. For the income statement of 2016, our written premium

totaled of NT$11,524 million, and the amount of retained loss was NT$4,220 million, net profits

after tax were NT$525 million, comprehensive income was NT$429 million, and per-share profit

after tax come to NT$2.07.

金額：新臺幣佰萬元

AMOUNT：NT$Million

富邦Fubon

國泰世紀Cathay Century

新光Shin Kong

明台Mingtai

新安東京海上Tokio Marine Newa

22.80%$33,096

$19,68213.56%

$15,61110.75%

$11,4467.88%

$53,81937.07%

2016市場佔有率

Market Share

$11,5247.94%

其他Others

2016 市場佔有率 2016 Market Share

1817



◎ 火災保險及附加險 Fire and Allied Perils Insurance

2016年因 0206高雄美濃大地震損失，及再保險分出分入機制管理辦法規定之修改，使得商業火險巨大保額業務費率上漲，市場整體保費微幅上升 5.56%。明台 2016年持續管控天災風險較高之業務，如 TFT-LCD面板業務，簽單保費收入為新臺幣 2,208佰萬元，較 2015年衰退 0.98%；自留損失率為 61.41%，亦較 2015年增加 33.86%。

In 2016, there was an increase of 5.56% in the overall market insurance premium due to the 0206 MeiNong earthquake and the changes in the Regulations Governing Insurance Enterprises Engaging in Operating Reinsurance and Other Risk Spreading Mechanisms In 2016, Mingtai continued to monitor and manage the high-risk natural disaster business, such as the TFT-LCD panel industry. The written premium was NT$2,208 million, which declined 0.98% from 2015. The retained loss ratio was 61.41%, which increased 33.86% compared with 2015.

20162015201420132012

59.1858.00

56.9655.96

59.33

4,5425,008

4,769

5,8985,351

簽單保費收入(NT$佰萬元)

Written Premium (NT$ Million)

自留損失率(%)

Retained Loss Ratio

● 任意汽 ( 機 ) 車保險 Voluntary Motor Insurance

20162015201420132012

24.9119.37 16.71

27.55

61.41

2,429

2,014

2,2722,230

2,208



自留損失率(%)

Retained Loss Ratio

20162015201420132012

146.16

70.74

17.8540.91

60.75

478

306295

266290



自留損失率(%)

Retained Loss Ratio

20162015201420132012

83.5776.10

68.7763.36

111.80

1,033

951926 927

974



自留損失率(%)

Retained Loss Ratio

● 強制汽 ( 機 ) 車保險 Compulsory Motor Insurance

◎ 汽 ( 機 ) 車保險 Motor Insurance

2016年因政府實施貨物稅減免措施，對於全年度新車銷售達到正面刺激的效果，以致汽車市場新車銷售量達約 44萬輛，較同期成長 4.5%，加上公司內部新商品的持續開發及通路措施配合得宜，帶動明台車險業務成長 9.4%。2016任意汽 (機 )車保險損失率增加 3.37%則是因為保修廠修理工資工時調整及理賠案件較同期增加導致。

In 2016, due to the tax relief measures implemented by the government, the market for new cars was positively stimulated. The annual sales of new cars reached 440,000 units, which is a 4.5% increase compared to the same period in the previous year. In addition, the company’s internal product development effort and the appropriate cooperation with the distribution channel lead to a 9.4% growth in Mingtai’s insurance business. In 2016, the voluntary motor insurance loss ratio increased 3.37% due to wage adjustments at the car repair workshops, and an increase in the number of claims compared to the same period last year.

◎ 工程保險 Engineering Insurance

2016年業務結構仍以中小型案件為主，簽單保費收入為新臺幣 290佰萬元，較 2015年度成長 9.02%。在損失方面，因受 9月梅姬颱風影響，2016年度自留損失率為 60.75%。

The majority of the business in 2016 was from small and medium cases. The written premium income amounted to NT$290 million, declined of 9.02%. Affected by Typhoon Magi in September, the retained loss ratio was 60.75% in 2016.

二、各險種業務簡介 Introduction to the different forms of insurances

2019


◎ 意外保險 Casualty Insurance

意外險仍維持穩健核保策略，2016年簽單保費收入為新臺幣 1,152佰萬元，較 2015年度成長 3.4%；自留損失率則較前一年度略為上升 0.58%，整體經營成果尚稱穩定。

Casualty Insurance maintained a sound underwriting policy in 2016. The written premium income amounted NT$1,152 million, rosed 3.4% from the same period in 2015. The retained loss ratio rosed 0.58% compared with the same period from previous year, which represented a stable operation overall.

◎ 傷害暨健康保險 Accident and Health Insurance

傷害暨健康保險因旅行平安險、傷害險及健康險業務成長，致使整體健康暨傷害險業務呈現成長；自留損

失率則因傷害險重大死亡案件減少，損失率低於上一年度。

The overall business grew due to growth from Travel Insurance, Personal Accident and Health Insurance business. The retained loss ratio was lower than the same period of previous year due to decrease in fatalities from accidents


◎ 海上保險 Marine Insurance

2016年產險市場貨物運輸保險持續受經濟環境影響，整體簽單保費衰退 5.08%。然在此環境下公司透過穩健的核保政策，持續減少承保高風險業務，2016年明台貨物運輸保險之保費收入較同期僅微幅減少，為新臺幣 364佰萬元。

航空、船體與漁船保險簽單保費收入為新臺幣 251佰萬元，較 2015年度負成長 15.2%，主要係航空險入帳月份變動及漁船減量影響所致。

In 2016, the market of Marine Cargo insurance continued to be hampered by the economic environment. The overall written premium income declined 5.08%. However, through moderate underwriting policy, Mingtai has been more discreet in writing business of higher risk. In 2016, Mingtai’s marine cargo insurance income was NT$364 million, which was only slightly less than that of 2015. Aviation, Marine Hull, and Fishing Vessels written premium income amounted to NT$251 million, decreased 15.2% from 2015, mainly due to changes in booking period and quantity reduction of fishing vessels.

20162015201420132012

47.37

11.0222.49

23.1523.73

983987

1,061 1,1141,152



自留損失率(%)

Retained Loss Ratio

20162015201420132012

60.4958.83

60.69

54.17 49.73

408402

374 369387



自留損失率(%)

Retained Loss Ratio

20162015201420132012

41.17

66.76

38.68

70.41

54.33

819701

682 690615



自留損失率(%)

Retained Loss Ratio


2221


各險種保費收入及損失率統計表Direct Premium Income and Loss Ratio by Class

任意汽(機)車保險Voluntary Motor Insurance

單位：新臺幣佰萬元 UNIT:NT$ Million

強制汽(機)車保險Compulsory Motor Insurance火災保險及附加險Fire and Allied Perils Insurance海上保險Marine Insurance工程保險Engineering Insurance意外保險Casualty Insurance傷害暨健康保險Accident & Health Insurance合計 Total

2015

5,351

927

2,230

690

266

1,114

369

10,948

2016

5,898

974

2,208

615

290

1,152

387

11,524

2014

5,008

926

2,272

682

295

1,061

374

10,617

2013

4,769

951

2,014

701

306

987

402

10,130

2012

4,542

1,033

2,429

819

478

983

408

10,692

損失率Loss Ratio

任意汽(機)車保險Voluntary Motor Insurance強制汽(機)車保險Compulsory Motor Insurance火災保險及附加險Fire and Allied Perils Insurance海上保險Marine Insurance工程保險Engineering Insurance意外保險Casualty Insurance傷害暨健康保險Accident & Health Insurance合計 Total

2015

55.96%

68.77%

27.55%

70.41%

40.91%

23.15%

54.17%

52.49%

2016

59.33%

63.36%

61.41%

54.33%

60.75%

23.73%

49.73%

57.76%

2014

56.96%

111.80%

16.71%

38.68%

17.85%

22.49%

60.69%

54.43%

2013

58.00%

76.10%

19.37%

66.76%

70.74%

11.02%

58.83%

52.73%

2012

59.18%

83.57%

24.91%

41.17%

146.16%

47.37%

60.49%

56.61%

2016汽(機)車保險Motor Insurance 59.64%

火災保險及附加險Fire and Allied Perils Insurance 19.16%

海上保險Marine Insurance 5.34%

工程保險Engineering Insurance 2.51%

意外保險Casualty Insurance 10.00%

傷害暨健康保險Accident & Health Insurance 3.36%

合計 Total 100,00%

2016簽單保費比例 / 業務結構2016 Proportion of Written Premium by Insurance Class

2016合計 Total 100.00%

汽(機)車保險Motor Insurance

傷害暨健康保險Accident & HealthInsurance

意外保險Casualty Insurance

海上保險Marine Insurance

工程保險Engineering Insurance

火災保險及附加險Fire and Allied Perils

Insurance

59.64%

19.16%

3.36%10.00%

2.51%5.34%

各險種保費收入及損失率統計表DIRECT PREMIUM INCOME AND

LOSS RATIO BY CLASS

2423


中華民國105年及104年12月31日 / December 31, 2016 and 2015 中華民國105年及104年12月31日 / December 31, 2016 and 2015

資產 Assets

現金及約當現金

Cash and cash equivalents

應收款項

Accounts receivable, net

透過損益按公允價值衡量之金融資產

Financial assets at fair value through profit or loss

備供出售金融資產

Available-for-sale financial assets

以成本衡量之金融資產

Financial assets carried at cost

投資性不動產

Investment property

再保險合約資產

Reinsurance contract assets

不動產及設備

Property and equipment

無形資產

Intangible assets

遞延所得稅資產

Deferred income tax assets

其他資產

Other

資產總計Total assets

2016.12.31

7,776,477

1,166,274

507

8,250,747

1,440

571,871

6,497,365

1,629,681

327,547

140,043

810,762

27,172,714

29

4

-

30

-

2

24

6

1

1

3

100

35

5

-

29

-

2

17

7

1

1

3

100

8,615,772

1,156,695

-

7,326,524

1,800

577,325

4,330,216

1,858,722

136,449

158,925

822,218

24,984,646

單位：新臺幣仟元 UNIT：NT$ Thousand 單位：新臺幣仟元 UNIT：NT$ Thousand

負債及權益 Liabilities & Equity

負債 Liabilities

應付款項 Accounts payables

本期所得稅負債 Current tax liabilities

透過損益按公允價值衡量之金融負債

Financial liabilities at fair value through profit or loss

保險負債 Insurance reserves

其他負債 Other liabilities

員工福利負債準備 Employee beneift liability reserves

遞延所得稅負債 Deferred income tax liabilities

負債總計 Total liabilities

權益 Equity

普通股股本 Common stock

資本公積 Capital surplus

保留盈餘 Retained earnings︰

法定盈餘公積 Legal reserve

特別盈餘公積 Special earnings reserve

未分配盈餘 Unappropriated earnings

其他權益 Others equity︰

備供出售金融資產未實現損益Unrealized gain or loss on available-for-sale financial assets

確定福利計畫再衡量數Remeasurements of defined benefit liability

權益總計 Total equity

負債及權益總計 Total liabilities and equity

2016.12.31

1,631,651

52,201

2,249

16,456,652

50,573

249,553

115,700

18,558,579

2,535,930

172,495

1,342,007

2,507,997

2,153,523

6,003,527

107,351

(205,168)

(97,817)

8,614,135

27,172,714

6

-

-

61

-

1

-

68

10

1

5

9

8

22

-

(1)

(1)

32

100

%%

7

-

-

58

-

2

-

67

10

1

5

9

8

22

1

(1)

-

33

100

1,787,368

62,955

9,978

14,400,453

44,947

378,007

115,353

16,799,061

2,535,930

172,495

1,165,331

2,340,512

1,972,231

5,478,074

212,767

(213,681)

(914)

8,185,585

24,984,646

2015.12.31 2015.12.31

金額 Amount 金額 Amount%金額 Amount 金額 Amount%

資產負債表STATEMENT OF FINANCIAL POSITION

2625


中華民國105年及104年1月1日至12月31日For the years ended December 31, 2016 and 2015

項目 Assets

營業收入 Operating revenue:

簽單保費收入 Direct premiums written

再保費收入 Reinsurance premium assumed

保費收入 Premium income

減：再保費支出 Less: Reinsurance premium ceded

未滿期保費準備淨變動 Unearned premium reserve movement

自留滿期保費收入 Retained earned premium

再保佣金收入 Commission on reinsurance ceded

手續費收入 Fee income

淨投資損益 Investment profit or loss, net

利息收入 interest income

透過損益按公允價值衡量之金融資產及負債損益Gains (losses) on financial assets (liabilities)measured at fair valuethrough profit or loss

備供出售金融資產之已實現損益 Gains on available-for-sale financial assets

以成本衡量之金融資產及負債之已實現損益Gains on financial assets(liabilities) measured at cost

兌換損益 Gains (losses) on foreign exchange-investment

投資性不動產損益 Investment income on investment properties, net

其他營業收入 Other operating income

營業成本 Operating costs

保險賠款與給付 Claims and benefits

減：攤回再保賠款與給付 Less: Claims recovered from reinsurers

自留保險賠款與給付 Net claims

其他保險負債淨變動 Other insurance liability movement, net

佣金費用 Commission expenses

其他營業成本 Other operating costs

2016年度

金額 Amount

$11,524,262

426,434

11,950,696

3,657,427

171,675

8,121,594

492,925

43,687

114,169

3,600

199,854

2,100

(13,263)

48,240

40,416

9,053,322

6,931,012

2,711,453

4,219,559

236,979

1,621,687

69,3586,147,583

127

5

132

40

2

90

5

1

1

-

2

-

-

1

-

100

76

30

46

3

18

168

125

5

130

40

-

90

5

-

2

-

2

-

-

1-

100

65

17

48

(2)

17

164

2015年度

金額 Amount

$10,947,601

462,934

11,410,535

3,488,908

34,523

7,887,104

454,637

42,977

135,882

(7,360)

158,383

8,081

3,509

43,254

40,039

8,766,506

5,692,344

1,442,541

4,249,803

(179,364)

1,503,398

45,4485,619,285

項目 Assets

營業費用 Operating expenses

業務費用 Selling expenses

管理費用 Administrative expenses

員工訓練費用 Training expenses

營業淨利 Operating income

營業外收入及支出 Non-operating income and expenses

繼續營業部門稅前淨利 Net income before income tax

減：所得稅費用 Less：Income tax expenses

本期淨利 Net income

其他綜合損益：Other comprehensive income:

不重分類至損益之項目 Items that will not be reclassified subsequently to profit or loss

確定福利計畫之再衡量數Remeasurements of defined benefit plans

與不重分類之項目相關之所得稅Income tax relating to items that will not be reclassified

後續可能重分類至損益之項目 Items that are or may be reclassified subsequently to profit or loss

備供出售金融資產之未實現評價損失Unrealized valuation losses on available-for-sale financial assets

與可能重分類之項目相關之所得稅Income tax related to items that are or may be reclassified subsequently

本期其他綜合損益(稅後淨額) Other comprehensive income, net of tax

本期綜合損益總額 Comprehensive income

基本每股盈餘(元) Basic earnings per share (NT dollars)

稀釋每股盈餘(元) Diluted earnings per share (NT dollars)

2016年度

金額 Amount

1,872,060

384,900

8,280

2,265,240

640,499

2,086

642,585

117,132

525,453

10,257

(1,744)

8,513

(93,099)

(12,317)

(105,416)

(96,903)

428,550

$

$

$

%

21

4

-

25

7

-

7

1

6

-

-

-

(1)

-

(1)

(1)

5

2.07

2.07

%

21

4

-

25

11

-

11

1

10

(1)

-

(1)

(2)

-

(2)

(3)

7

3.48

3.47

2015年度

金額 Amount

1,793,480

389,572

19,878

2,202,930

944,291

8,349

952,640

69,261

883,379

(52,530)

8,930

(43,600)

(224,184)

13,456

(210,728)

(254,328)

629,051

變動百分比%Change

4

(1)

(58)

3

(32)

(75)

(33)

69

(41)

120

(120)

120

58

後續可能重分類至損益之項目合計

(192)

50

62

變動百分比%Change

5

(8)

5

5

397

3

8

2

(16)

149

26

(74)

(478)

12

1

3

22

88

(1)

232

8

53

9

中華民國105年及104年1月1日至12月31日For the years ended December 31, 2016 and 2015

% %

單位：新臺幣仟元 UNIT：NT$ Thousand 單位：新臺幣仟元 UNIT：NT$ Thousand

綜合損益表STATEMENTS OF COMPREHENSIVE INCOME


2827

明台產物保險股份有限公司董事會　公鑒：

查核意見

明台產物保險股份有限公司民國一○五年及一○四年十二月三十一日之資產負債表，暨民國一○五年及一○四年一月一日

至十二月三十一日之綜合損益表、權益變動表、現金流量表，以及財務報告附註 (包括重大會計政策彙總 )，業經本會計師查核竣事。

依本會計師之意見，上開財務報告在所有重大方面係依照保險業財務報告編製準則暨經金融監督管理委員會認可並發布生

效之國際財務報導準則、國際會計準則、解釋及解釋公告編製，足以允當表達明台產物保險股份有限公司民國一○五年及

一○四年十二月三十一日之財務狀況，與民國一○五年及一○四年一月一日至十二月三十一日之財務績效與現金流量。

查核意見之基礎

本會計師係依照會計師查核簽證財務報表規則及一般公認審計準則規劃並執行查核工作。本會計師於該等準則下之責任將

於會計師查核財務報告之責任段進一步說明。本會計師所隸屬事務所受獨立性規範之人員已依會計師職業道德規範，與明

台產物保險股份有限公司保持超然獨立，並履行該規範之其他責任。本會計師相信已取得足夠及適切之查核證據，以作為

表示查核意見之基礎。

關鍵查核事項

關鍵查核事項係指依本會計師之專業判斷，對明台產物保險股份有限公司民國一○五年度財務報告之查核最為重要之事項。

該等事項已於查核財務報告整體及形成查核意見之過程中予以因應，本會計師並不對該等事項單獨表示意見。本會計師判

斷應溝通在查核報告上之關鍵查核事項如下：

一、保險負債之提列

有關保險負債之會計政策，請詳財務報告附註四 (十五 )；其會計估計及假設不確定性，請詳財務報告附註五 (二 )；保險負債明細、變動調節及保險合約風險管理之性質與範圍之揭露，請詳財務報告附註六 (十三 )及六 (廿四 )。關鍵查核事項之說明：

各項保險負債準備係由精算人員依據「保險業各種準備金提存辦法」規定辦理，以專業判斷及經驗，對於不同險別之各

項保險負債予以估算，故存有高度之複雜性，為本會計師進行財務報表查核需高度關注之事項。

因應之查核程序：

本會計師對上述關鍵查核事項之主要查核程序包括，對財務報告中與保險負債衡量有關之內部控制設計及執行進行有

效性測試，包含確認保單資料之完整性及其正確性之控制；執行保險負債的變動分析，並核對計算表之相關資料與帳

列數；依據「保險業各種準備金提存辦法」規範，抽核未滿期保費準備、賠款準備、保費不足準備及特別準備，檢查

其提存辦法、核對保費及賠款資料，並測試提存之正確性；核對已報未決賠款準備金估計基礎，如檢查公證人報告、

初步理賠計算書等，及針對未報賠款準備，評估其損失發展三角形法精算假設之合理性，包含損失發展因子、預期賠

款率及費用等。另外，本會計師並評估該公司對有關保險負債揭露項目之允當性。

二、金融工具投資評價

有關金融工具之會計政策，請詳財務報告附註四 (六 )；金融商品之公允價值及減損之會計估計及假設不確定性，請詳財務報告附註五 (一 )；其明細、公允價值之等級資訊及財務風險管理之揭露，請詳財務報告附註六 (三 )、六 (四 )、六 (廿一 )及六 (廿二 )。關鍵查核事項之說明：

明台產物保險股份有限公司所持有之金融工具投資占總資產達 30%，主要皆以公允價值衡量，其公允價值選用基礎對於金融工具投資之評價影響重大；此外，金融工具投資之減損評估亦存有主觀之判斷，係本會計師進行財務報表查核

需高度關注之事項。

因應之查核程序：

本會計師對上述關鍵查核事項之主要查核程序包括，對財務報告中與金融工具投資有關之內部控制設計及執行進行有

效性測試；執行金融工具投資的盤點及發函詢證；抽核期末金融工具投資公允價值，依各金融工具投資評估期末評價

是否適當；對衍生性工具之公允價值，測試所採用之重要假設、評價方法及基本資料是否適當；評估金融工具投資信

用評等、債務工具收息還本情形、公允價值變動的趨勢、公允價值下降之跌幅及其持久性，以評估所持有之金融工具

投資是否有永久性減損之情形。

三、保費收入認列

有關保費收入認列之會計政策，請詳財務報告附註四 (十六 )、保險損益分析及保險風險集中之說明之揭露，請詳財務報告附註六 (十四 )及六 (廿四 )。關鍵查核事項之說明：

保費收入為投資人評估保險公司營運狀況及衡量績效之主要指標，財產保險業產業性質特殊且商品多元，保費收入認

列流程涉及審核、勘查、承保、收費及簽單等程序，故其保費收入認列程序較為繁複係本會計師查核的主要風險。

本會計師查核程序著重在保費收入的存在性、保費收入的認列時點及認列的正確性。本會計師之主要查核程序包括，

對財務報告中與保費收入認列流程有關的內部控制制度之設計及執行進行有效性測試；執行保費收入的趨勢及變動分

析，並抽核核對認列之保費收入是否與保單資料一致；於年度結束前後期間，分析交易樣本所簽發的保險單，以檢視

保費收入認列的時間點是否與該簽發保險單相符，進而檢查承保日期，評估保費收入是否於正確時間認列。

管理階層與治理單位對財務報告之責任

管理階層之責任係依照保險業財務報告編製準則暨經金融監督管理委員會認可並發布生效之國際財務報導準則、國際會計

準則、解釋及解釋公告編製允當表達之財務報告，且維持與財務報告編製有關之必要內部控制，以確保財務報告未存有導

因於舞弊或錯誤之重大不實表達。

於編製財務報告時，管理階層之責任包括評估明台產物保險股份有限公司繼續經營之能力、相關事項之揭露，以及繼續經營會

計基礎之採用，除非管理階層意圖清算明台產物保險股份有限公司或停止營業，或除清算或停業外別無實際可行之其他方案。

明台產物保險股份有限公司之治理單位 (含監察人 )負有監督財務報導流程之責任。會計師查核財務報告之責任

本會計師查核財務報告之目的，係對財務報告整體是否存有導因於舞弊或錯誤之重大不實表達取得合理確信，並出具查核

報告。合理確信係高度確信，惟依照一般公認審計準則執行之查核工作無法保證必能偵出財務報告存有之重大不實表達。

不實表達可能導因於舞弊或錯誤。如不實表達之個別金額或彙總數可合理預期將影響財務報告使用者所作之經濟決策，則

被認為具有重大性。

本會計師依照一般公認審計準則查核時，運用專業判斷並保持專業上之懷疑。本會計師亦執行下列工作：

1.辨認並評估財務報告導因於舞弊或錯誤之重大不實表達風險；對所評估之風險設計及執行適當之因應對策；並取得足夠及適切之查核證據以作為查核意見之基礎。因舞弊可能涉及共謀、偽造、故意遺漏、不實聲明或踰越內部控

制，故未偵出導因於舞弊之重大不實表達之風險高於導因於錯誤者。

2.對與查核攸關之內部控制取得必要之瞭解，以設計當時情況下適當之查核程序，惟其目的非對明台產物保險股份有限公司內部控制之有效性表示意見。

3.評估管理階層所採用會計政策之適當性，及其所作會計估計與相關揭露之合理性。4.依據所取得之查核證據，對管理階層採用繼續經營會計基礎之適當性，以及使明台產物保險股份有限公司繼續經營之能力可能產生重大疑慮之事件或情況是否存在重大不確定性，作出結論。本會計師若認為該等事件或情況

存在重大不確定性，則須於查核報告中提醒財務報告使用者注意財務報告之相關揭露，或於該等揭露係屬不適當時修正

查核意見。本會計師之結論係以截至查核報告日所取得之查核證據為基礎。惟未來事件或情況可能導致明台產物保險股

份有限公司不再具有繼續經營之能力。

5.評估財務報告 (包括相關附註 )之整體表達、結構及內容，以及財務報告是否允當表達相關交易及事件。本會計師與治理單位溝通之事項，包括所規劃之查核範圍及時間，以及重大查核發現 (包括於查核過程中所辨認之內部控制顯著缺失 )。本會計師從與治理單位溝通之事項中，決定對明台產物保險股份有限公司民國一○五年度財務報告查核之關鍵查核事項。

本會計師於查核報告中敘明該等事項，除非法令不允許公開揭露特定事項，或在極罕見情況下，本會計師決定不於查核

報告中溝通特定事項，因可合理預期此溝通所產生之負面影響大於所增進之公眾利益。

安侯建業聯合會計師事務所

會　計　師：

民國一○六年二月二十四日

會計師查核報告INDEPENDENT AUDITOR’S REPORT


3029


To the Board of DirectorsMSIG Mingtai Insurance Co., Ltd.:

OpinionWe have audited the financial statements of MSIG Mingtai Insurance Co., Ltd.(“the Company”), which comprise the statements of financial position as of December 31, 2016 and 2015, and the statements of comprehensive income, statements of changes in equity and statements of cash flows for the years ended December 31, 2016 and 2015, and notes to the financial statements, including a summary of significant accounting policies.In our opinion, the accompanying financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2016 and 2015, and its financial performance and its cash flows for the years ended December 31, 2016 and 2015 in conformity with the “Regulations Governing the Preparation of Financial Reports by Enterprises Engaging in Insurance,” and the International Financial Reporting Standards (“IFRSs”), International Accounting Standards (“IASs”), interpretation as well as related guidance approved by the Financial Supervisory Commission of the Republic of China.

Basis for OpinionWe conducted our audit in accordance with the “Regulations Governing Auditing and Certification of Financial Statements by Certified Public Accountants” and the auditing standards generally accepted in the Republic of China. Our responsibilities under those standards are further described in the Auditor’s Responsibilities for the Audit of the Financial Statements section of our report. We are independent of the Company in accordance with the Certified Public Accountants Code of Professional Ethics in Republic of China (“the Code”), and we have fulfilled our other ethical responsibilities in accordance with the Code. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis of our opinion.

Key Audit MattersKey audit matters are those matters that, in our professional judgment, were of most significance in our audit of the financial statements of the current period. These matters were addressed in the context of our audit of the financial statements as a whole, and in forming our opinion thereon, and we do not provide a separate opinion on these matters.

1.Provision of insurance reservesPlease refer to Note 4(o) for the accounting policy of insurance reserves, Note 5(b) for the major sources of accounting assumptions, judgments and estimation uncertainty, and Notes 6(m) and 6(x) for the details and movement reconciliation of insurance reserves and disclosure of the nature and extent of risks arising from insurance contracts, respectively.The riskVarious insurance reserves are provided by actuary in accordance with the “Guidelines for Insurance Enterprises Handling All Statutory Reserves” based on their professional judgment and experience. The insurance reserves are estimated for different types of insurance, and thus, the provision process of these reserves has high degree of complexity. Therefore, this matter needs significant attention in our audit.How the matter was addressed in our auditOur principal audit procedures included:Testing the effectiveness of the design and implementation of internal controls within the financial reporting process that are related to insurance reserves, which include testing the controls responsible for ascertaining the completeness and accuracy of the policy information. Performing the analysis on movements of insurance reserves and checking whether the related information and carrying amount of the worksheet are accurate. Testing samples on unearned premium reserves, claim reserves, premium deficiency reserves and special reserves to assess the accuracy of the premium and claim information, as well as inspecting the provision methodology and examining whether the provision is in accordance with the “Guidelines for Insurance Enterprises Handling All Statutory Reserves”. Testing the basis of estimation for (i) reported but not paid claims by inspecting the adjuster report and preliminary loss advice, as well as (ii) incurred but not reported claims by evaluating the reasonableness of the actuarial assumption on its loss development triangle including loss development factors, expected claim ratio, and expenses. In addition, we will also assess the appropriateness of the disclosure that are related to insurance reserves.

2.Valuation of investments in financial instrumentsPlease refer to Note 4(f) for the accounting policy of financial instruments, Note 5(a) for the major sources of accounting assumptions, judgments and estimation uncertainty, and Note 6(c), 6(d), 6(u) and 6(v) for the details of

financial instruments, fair value hierarchy and disclosure of financial risk management, respectively.The riskThe investments portfolio of the Company represents 30% of its total assets, wherein the majority of it were measured at fair value. The basis used for fair value measurement has significant impact on the valuation of the investments in financial instruments. In addition, the impairment assessment of the investments involves estimation and judgment. Hence, this needs significant attention in our audit.How the matter was addressed in our auditOur principal audit procedures included:Testing the effectiveness of the design and implementation of internal controls within the financial reporting process that are related to investments in financial instruments. Observing the counting process on the investments in financial instruments. Testing samples on the fair value of the financial instruments at year end and assessing whether the valuation for each instruments is correct as of year end. Assessing whether the main assumptions, valuation method and information used for the fair value of financial derivatives are appropriate. Evaluating whether the financial instruments held by the Company have a permanent impairment by assessing the credit rating of its financial instruments, interest payments of its debt instruments, trends of the fair value movement, as well as the declined and its duration in the fair value of the Company’s financial instruments.

3.Recognition of premium incomePlease refer to Note 4(p) for the accounting policy of premium income, as well as Note 6(n) and 6(x) for the analysis of the sources of earnings from insurance activities and disclosure of nature and extent of risks arising from insurance contracts, respectively, of the financial statements.The riskPremium income is the key measurement indicator for the investors to evaluate the operation and performance of an insurance company. The industry nature of non life insurance is special, with diversified products. Its premium income recognition process involves various procedures such as audit, investigation, underwriting, collection and signing of policy, resulting in a complexity of the premium income recognition process. Thus, this represents the key risk of our audit.How the matter was addressed in our auditOur principal audit procedures included:Testing the effectiveness of design and implementation of internal controls within the financial reporting process that are related to the premium income recognition process. Conducting the trend and movement analysis of the premium income, and testing, on a sample basis, whether the premium income recognized is consistent with the insurance policy. Inspecting the samples, selected before and after year end, to determine if the timing of recognition of the premium income is consistent with the issuance of the insurance policy. Also, inspecting the coverage date of the insurance policy to assess whether the timing of the premium income is recognized appropriately.

Responsibilities of Management and Those Charged with Governance for the Financial StatementsManagement is responsible for the preparation and fair presentation of the financial statements in accordance with Regulations Governing the Preparation of Financial Reports by Enterprises Engaging in Insurance and IFRSs, IASs, interpretation as well as related guidance approved by the Financial Supervisory Commission of the Republic of China, and for such internal control as management determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, management is responsible for assessing the Company’s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless management either intends to liquidate the Company or to cease operations, or has no realistic alternative but to do so.Those charged with governance (including supervisors) are responsible for overseeing the Company’s financial reporting process.

Auditor’s Responsibilities for the Audit of the Financial StatementsOur objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with the auditing standards generally accepted in the Republic of China will always detect a material misstatement when it exists.

3231


明台產物保險股份有限公司監察人查核報告書 :

查董事會造送本公司一百零五年度營業報告書、財務報表及盈餘分派表等決算報告，其中財務報表（含資產

負債表、綜合損益表、權益變動表及現金流量表）及盈餘分派表分別委託安侯建業聯合會計師事務所謝秋華

會計師查核完竣，並出具查核報告。上開董事會造送之各項表冊，經本監察人查核，認為尚無不符，爰依公

司法第二一九條之規定繕具報告，報請鑒察。

此致

本公司董事會 (代行股東會職權)

監察人:

中華民國一百零六年三月十五日

監察人:

中華民國一百零六年三月十五日

To : The Company’s Annual Shareholders’ MeetingMSIG Mingtai Insurance Company, Ltd.The Company's business report, financial report and profit distribution table for the fiscal year of 2016 compiled and prepared by the Board of Directors. The financial report (comprise the statements of finan-cial position, statements of comprehensive income, statements of changes in equity and statements of cash flow) and profit distribution table have been audited by Ms. Chiu-Hua Hsieh, the certified public accountant, and issued audit reports separately. The Supervisors have also co -examined and co -checked the said reports delivered by the Board of Directors and found that its contents were in confor-mity with related regulations. In accordance with Company Law, Article 219, we hereby present the subject reports for your review and approval

Supervisor:

Date：2017/3/15

Supervisor:

Date：2017/3/15

監察人查核報告書SUPERVISORS’ REPORT


Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

As part of an audit in accordance with auditing standards generally accepted in the Republic of China, we exercise professional judgment and maintain professional skepticism throughout the audit. We also:

1.Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control.

2.Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company’s internal control.

3.Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by management.

4.Conclude on the appropriateness of management’s use of the going concern basis of accounting and, based on the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on the Company’s ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attention in our auditor’s report to the related disclosures in the financial statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our auditor’s report. However, future events or conditions may cause the Company to cease to continue as a going concern.

5.Evaluate the overall presentation, structure and content of the financial statements, including the disclosures, and whether the financial statements represent the underlying transactions and events in a manner that achieves fair presentation.

We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit.

From the matters communicated with those charged with governance, we determine those matters that were of most significance in the audit of the financial statements of the current period and are therefore the key audit matters. We describe these matters in our auditor’s report unless law or regulation precludes public disclosure about the matter or when, in extremely rare circumstances, we determine that a matter should not be communicated in our report because the adverse consequences of doing so would reasonably be expected to outweigh the public interest benefits of such communication.

The engagement partners on the audit resulting in this independent auditors’ report are Hsieh, Chiu Hua.

K P M GTaipei, Taiwan (Republic of China)February 24, 2017

Notes to Readers

The accompanying financial statements are intended only to present the statement of financial position, financial performance and its cash flows in accordance with the accounting principles and practices generally accepted in the Republic of China and not those of any other jurisdictions. The standards, procedures and practices to audit such financial statements are those generally accepted and applied in the Republic of China.

The auditors’ report and the accompanying financial statements are the English translation of the Chinese version prepared and used in the Republic of China. If there is any conflict between, or any difference in the interpretation of the English and Chinese language auditors’ report and financial statements, the Chinese version shall prevail.

3635


企業社會責任CORPORATE SOCIAL RESPONSIBILITY

明台沿襲母公司三井住友海上集團的經營理念，透過以客戶導向作為品質提昇的基礎，進而贏得客戶的信賴

與業務持續成長的正向循環，實現對企業社會責任(CSR)的承諾。

為落實這個經營理念，明台於2007年起開始制定「明台產物保險行動憲章」，作為推動企業社會責任之方針 :

1. 以提供最佳的風險解決方案為使命。

2. 以公平、公正且合乎道德標準為最高行動準則。

3. 透過持續溝通與資訊公開，充分揭露經營資訊。

並努力實現對七大關係人，客戶、通路伙伴、股東、員工、廠商、社會及環境的社會責任。

明台七大利害關係人

MSIG Mingtai follows our Parent Company MSIG’s concept which is client-oriented as a guidance, to provide and

serviceof the highest quality-based services. Therefore we earn the honor of faith from our customers through high

quality, and based on customers’ trusts, we could keep positively growing our business. Such a virtuous cycle

that will enable us to fulfill our commitment of Corporate Social Responsibility (CSR).

In 2007, MSIG Mingtai established Mingtai Charter on professional conduct as a basis for CSR in

order to fulill the philosophy of the Group:

1.To provide the best schemes to minimize risk;

2.To keep the standards of fairness, impartialness and ethics as our highest operative norms; and

3.To fully disclose our business information through sustained communication and sharing information

transparency.

By applying concrete action to our Action Charter, we aim to thoroughly fulfill our social responsibility toward

seven major stakeholders: customers, shareholders, intermediaries, business partners, employees,

community and the environment.

1. Responsibility to our customersTo base on "customers satisfaction" as the goal of our business activities, and provide the highest

quality of both solutions to minimize risks and management services.

2. Responsibility to our intermediariesTo cooperate with agents, brokers and other important intermediaries to achieve mutual benefits and profits.

3. Responsibility to our shareholdersTo reach shareholders' expectations by enhancing the value of our corporate and providing the

appropriate feedback of benefit on investment.

4. Responsibility to our employeesTo establish an enjoyable work environment for our employees who are the mainstays of our company.

5. Responsibility to our business partnersTo maintain stable relationships with our business partners, and develop social responsibility together.

6. Responsibility to local and international communitiesTo build a good relationship with community, both in Taiwan and overseas, in order to pursue mutually

beneficial development.

7. Responsibility to the environmentTo face the future, contribute our utmost efforts to improve and protect the environment of the Earth.

客戶 / Customers

對客戶的責任以「客戶滿意」為事業活動的原點，提供最高品質的風險解決與管理服務。

01

通路夥伴 / Intermediaries

對通路伙伴的責任和「重要事業伙伴」代理人、經紀人及其他通路伙伴相互合作，共創繁榮。

02

股東 / Shareholders

對股東的責任透過企業價值的提昇與適當的利益回饋，回應股東的期待。

03

員工 / Employees

對員工的責任創造讓公司的重要支柱- 員工，樂於工作的職場環境。

04

廠商 / Business Partners

對廠商(交易對象)的責任和廠商( 交易對象) 保持健全的關係，共同發揮社會責任。

05

社會 / Community

對台灣社會、國際社會的責任與台灣社會、國際社會建構良好關係，追求相互的良好發展。

06

環境 / Environment

對環境的責任面對未來，致力改善並維護地球環境。

07

3837


CSR 活動IMPORTANT CSR ACTIVITIES SPEARHEADED

BY MSIG MINGTAI OVER THE YEARS

年度專案節能行動 Eco Smile除歷年的線上問卷調查之外，本年度結合運動會舉辦闖關遊戲，宣導節能知識，帶領全體員工關心環保議題。並將員工的參與轉化為實際捐贈金額，贈予台灣全球在地協會及台灣安德烈協會。Further to the annual online questionnaire survey over the years, the company organized a sports day and also a game to advocate on energy saving so that all employees can care about the issues of environmental protection. The participation of the employees was translated into substantive donation to Global Action and Andrew Charity

年度專案偏遠小學關懷活動原住「明」希望專案邁入第 4年，除愛心捐贈之外，並赴新竹尖石鄉玉峰國小與學童互動，進行猜燈謎遊戲。高雄市甲仙區寶隆國小的午餐津貼募款活動持續進行，明台更率領音樂劇團員進校演出。The Hope for the Indigenous Peoples Project has been launched for the 4th year. Further to the donation to these areas, Mingtai also held riddles on lanterns event with the pupils at Yufeng Elementary School at Jianshi Village of Hsinchu. In Kaohsiung, Mingtai raised fund for offering subsidy for the lunch of the pupils at Baolong Elementary School at Jiaxian District. Mingtai even conducted musical dramas performed in the schools by performing troupe.

嘉義 KANO 祭觀光嘉年華暨弱勢團體義賣會雲嘉南地區同仁為關懷心智障礙者，參與嘉義社會局所舉辦之「KANO祭觀光嘉年華暨弱勢團體義賣會」活動，將義賣所得全數捐出，協助需要幫助的家庭。KANO Carnival at Chiayi with rummage sale for helping the social misfortunes. For showing their concern for the mentally retarded in Yunlin, Chiayi and Tainan, the colleagues in these regions participated in the “KANO Carnival and Charity Bazaar for Helping the Social Misfortunes" organized by Social Affairs Bureau of Chiayi, the proceeds from the sale were all donated for families who are in need.

用行動愛護地球2015年分別於台北劍潭、台中大坑舉辦 2場淨山活動，共有員工及眷屬 196人參加。透過淨山活動，讓每一位活動參加者體驗清新安全自然環境的可貴，共同維護山徑步道之美，撫慰健康的身心。Take action to protect the earth Cleaning up the mountain campaign has been held at Jiantan in Taipei and Dakeng in Taichung in 2015. A total of 196 employees and their families took part in the campaign. Through the cleaning up the mountain campaign, each and every participant realized the value of a conserved natural environment and keep the mountain trails beauty and clean for physical and mental health of human beings.

捐血活動北羅花地區同仁與東北獅子會攜手並進，舉辦捐血活動，總共有 30位同仁參與協助，為告急的血庫貢獻一份心力，並關懷社會弱勢族群。當日活動共募得 27,500 cc，合計 110袋熱血。Colleagues at Taipei, Luodong and Hualien jointly organized a blood donation event with Taipei North-East Lions Club. There were 30 colleagues participating in the event for their contribution to the drying out blood bank and out of concern for the social misfortunates. A total of 27,500cc blood was collected on that day in 110 bags.

年度專案兒童校園安全音樂劇2012年起累積總演出場數為 118場，包含離島在內，已創下全省縣演出記錄，總觀賞人數到達 3萬 8千人次。上下年度分別展演了「外星寶寶歷險記」與「惡魔搗蛋日記」，獲得小朋友及校方的熱烈回響。同時，持續發放微電影 DVD與 L夾，希望透過這些教材陪伴小朋友學習校園安全知識。Campus Safety Childen OperaFrom 2012, we have launched 118 shows in Taiwan (off-shore island included ) which make a record. Accumulative audiences reached 38,000. This year we displayed "An Adventure of Alien Baby" and "The Devil's Misdemeanor Diary" which were popular with children. We continue to delivery teaching materials to accompay children to study safety knowledge.

年度專案校園安全遊戲盒種子教師營為培養學童自主學習校園安全知識，針對小學中高年級學生設計之桌遊《惡魔搗蛋攻防戰》正式公開，將校園安全知識結合時下最夯的桌遊，期望發揮寓教於樂效果。明台與全教會合作，除發表會外，共舉辦 5個場次的種子教師營，210位老師共襄盛舉 (預估可惠及 6,300學子 )。透過桌遊教具，未來老師們可在社團活動時間帶領小朋友們一起玩遊戲懂安全。Safety Board Game Camps for TeachersWe design board game “The Defense Against the Devils' Misdemeanor” which cleverly combined safety knowledge with battle board game triggering the interest of children. Except launching ceremony, we cooperate with National Teacher's Association to hold 5 camps to introduce “The Defense Against the Devils' Misdemeanor”, and there are 210 teachers attended (from which 6,300 students will benefit). We hope teachers can use the board game to teach students in extra-curriculum activities in the future.

年度專案騎動新生活響應巴黎協定，加強節能減碳意識，同時呼籲重視健康管理，今年度發動綠色運輸觀念與活動。規劃自行車縱走環島活動 (最北據點~最南據點 )並於主要據點設置小折公務車，鼓勵員工使用綠色運輸。同時，將整體活動之騎乘總里程數轉換為現金，捐贈予林園高中自行車隊，節能減碳的同時也希望為體育發展與培育國家選手盡一份心力。Cycling New LifeAccording to Accord de Paris, we urge employees to join energy aaving and carbon reduction activities. Also, for maintaining healthy lives and educating staffs about green transportation consciousness, we held cycling from northern to southern island activity. At the same time, we provided official bikes to make them use such kind of sustainable transport.We converted accumulative mileage to money sponsoring Lin-Yuan cycling team which cultivate the national champion in bike.

年度專案環保行動 ~Eco Smile為落實節能減碳、環境保護，自2012年起推行Eco Smile活動，推廣環保觀念。2016年的Eco Smile活動以填寫問卷贈獎方式進行。透過問題設計，讓員工理解塑料對環境之危害，期望大家能於生活中減少使用塑料製品。贈品採環保玻璃吸管，攜帶便利易清洗，鼓勵同仁 “知 ”“行 ”並進，積極將環保觀念轉換為具體行動。Energy Saving Campaign - Eco SmileTo advocate for energy saving and environmental protection, we execute Eco Smile activity from 2012. This year, we launched a quiz contest to tell the risks of using plastics. Through the questionary, we hope employees can lower the usage of plastics to save the Earth. Smile points converted to funds purchasing glass straws as gifts to encourage employees to join the environmental protect activity.

年度專案送愛到偏鄉，學童樂成長明台 2012年以來持續贊助弱勢偏鄉孩童 (新竹玉峰國小 )，今年度持續向員工勸募，共募集 144,250元。另外，我們也提撥經費採購奶粉、漁貨等補給品，補給山上較難取得的營養，亦捐贈書籍等，弭平城鄉教育資源差距。Child Care for the underprivilegedFrom 2012, every month employees donate small amount of money voluntarily to students living in the remote area (Yufeng elementary school in Hsinchu city) as their living expenses. This year the campaign continues and we have collected NT$ 144,250. We also purchase milk power and seafood for their extra nutrition, and donate books to narrow the Urban-rural gap.

8月 August

9-10月 SeptemberOctober

10月 October

2016

建立「明台產物保險行動憲章」，落實對七大關係人的企業社會責任之履行。Established Mingtai Charter on professional conduct as a guidance for executing our CSR duties to our seven major stakeholders.

響應紅十字會中國四川大地震賑災捐款，員工捐出一日所得，公司亦捐贈同額款項。In response to the event of contribution for earthquake disaster in China's Sichuan Province by Red Cross Society, our employees donated their one day salaries, and Mingtai donated the same amount of the contribution.

導入黃金假制度 (5 天帶薪之連續休假 )。Implemented a golden vacation system ( a five consecutive day of paid leave).

參與環保署與企業永續發展協會舉辦之「清淨家園顧厝邊」企業行動計畫，榮獲企業組特優。Participated in the event of "Eco Life Taiwan" by Environmental Protection Administration, Executive Yuan and BCSD-Taiwan, and wins Advanced Honor for corporation.

捐贈約 1800公斤愛心認養之「我的一畝田」台灣優質米予家扶中心，協助需要幫助的家庭。MSIG Mingtai donates around 1800 kgs of quality Taiwanese rice to Taiwan Fund for Children and Families to help families in need.

響應紅十字會日本 311 東北大地震賑災捐款，員工捐出一日所得，公司亦捐贈同額款項。In response to the contribution event for 311 earthquake disaster in Tohoku, Japan by Red Cross Society, our employees donated their one day salaries and Mingtai donated the same amount of the contribution.

與靖娟兒童安全文教基金會合作在台北、桃園、新竹地區舉辦兒童校園安全講座，並捐贈 500 件安全導護背心給導護人員使用。Held the lectures of Children and School Safety in Taipei, Taoyuan and Hsinchu in conjunction with "Jing-Chuan Children Safety Culture and Education Foundation", and donated 500 safety jackets for school guards.

員工的主動籌劃下，推出新竹縣尖石鄉玉峰國小 - 原住「明」希望系列活動，包括募集二手衣、捐贈電腦設備、發起定期募款及進行面對面的文化與生活教學等活動。Mingtai has launched the CSR program- Caring Aboriginal Kids, to aid students of Yu-Fong elementary school in Hsinchu County. The campaign includes the donation of December computers and financial support, second-hand clothes collection and face-to-face educational interaction.

延續 2011年明台提出以戲劇進行校園安全宣導之兒童校園安全宣導計劃，推出系列校園安全宣導活動 - 音樂劇「惡魔搗蛋日記」、志工進校宣導校園安全、製作並提供各校安全教學手冊及教學光碟等宣導資源。Mingtai has continued to promote campus safety activities in elementary school through musical dramas. We also entered school to lecture by volunteers from local staff about the「safety at school」, and delivery DVDs of the musical dramas and educational leaflets for teachers to elementary schools throughout Taiwan.

兒童校園安全宣導活動 - 2012 年推出之「惡魔搗蛋日記」音樂劇受各方好評，2013 年度繼續巡迴演出 22 場，除北部地區外，巡演範圍擴大至中南部地區，總觀賞人數突破 8,000 人。Mingtai's musical dramas campaign for advocating campus safety has been highly praised by the public since it started in 2012. Therefore, in 2013 we expanded the activities to central and south of Taiwan with 22 performances and over 8,000 audiences in total.

響應母公司發起之菲律賓風災募款活動，發動員工愛心救災公司並依募款同額捐贈，募得款項全數轉贈台灣世界展望會菲律賓救災專案帳戶。In response to contribution for the victims who suffered by the typhoon in Philippines initiated by MSI, our employees donated their allowances and Mingtai donated the same amount of the contribution to specific account of the World Vision Taiwan.

年度專案校園安全宣導兒童校園安全宣導活動邁入第三年，成功將安全宣導活動引進校園，並於 2014年製作全新的音樂劇「外星寶寶歷險記」，融入更多的教育內涵使劇情更具豐富性。2014年度計演出 30場，而自 2012年起累計觀賞人數已超過 22,000人。此外，製作「惡魔搗蛋日記微電影」DVD1萬套給各國小供教學輔助教材。With Mingtai's Campus Safety Campaign marching into the third year, Mingtai has successfully brought safety education to the school children.. In 2014, we launched a whole new musical play, An Adventure of Alien Babies, packing comprehensive knowledge into a fun and educational creative theater. A total of 30 shows were performed in 2014, entertaining over 22,000 school children with educational information since 2012. Mingtai also produced a microfilm, entitled Diary of Rascals, and distributed 10,000 copies of DVD to elementary schools nationwide as teaching aids.

年度專案節能行動 ~Eco Smile為響應節能，善盡保護地球環境之企業社會責任，鼓勵全體員工於日常生活中隨手做到環保、節能行動，透過節能行動 Eco Smile線上問卷調查，將員工的參與轉化為實際的捐贈金額，贈予中華數位人文關懷協會及舊鞋救命。To fulfill our corporate social responsibility, Mingtai has been an active advocate for energy-saving and protection of the Earth environment. We encourage our employees to incorporate environmental protection and energy-saving practices into everyday living and turn employees’ participation into actual donation through the Eco Smile online survey. The donation supports the causes of the Digital and Humanity Concern Association and Old Shoes Save Lives Campaign.

配合公司的 BCP(持續營運計畫 )，也為了保障全體員工的生命安全，明台提供每位員工於地震災害發生時，可立即取得並維繫生命安全之緊急救援物資及裝備，希望藉由各種預防措施，減少全體人員的意外傷亡機會，以善盡企業對員工應盡的社會責任。As part of Mingtai’s BCP (Business Continuity Program) and for protection of the Mingtai employees, we supply every Mingtai employee an easily accessible earthquake emergency kit, containing lifesaving resources and equipment. Mingtai seeks to minimize casualties during emergency situations through various preventive measures. This is part of our efforts to fulfill our corporate social responsibility to employee care.

響應高雄石化氣爆捐款，明台發起社內捐款活動，公司並依募款總數同額捐贈與義勇消防總會高雄氣爆專戶。For the victims of the petrochemical explosion in Kaohsiung, Mingtai initiated a donation drive in the company. For every dollar donated by employees, the corporation made equal amount of donation to the Kaohsiung Explosion account set up by the National Volunteer Firefighter Association.

原住「明」希望系列活動延續推動新竹縣尖石鄉玉峰國小原住「明」希望系列活動，2014年加入高雄市甲仙區寶隆國小。The Hope for the Indigenous Peoples Project continues its activity series. In 2014, Baolong Elementary School (Jiaxian District, Kaohsiung City) joined the project.

年度專案兒童校園安全宣導活動 – 音樂劇「惡魔搗蛋日記」及「外星寶寶歷險記」兒童校園安全宣導活動邁入第 4年，2012年起至今之總演出場數為 92場，總觀賞人數突破 3萬人。此外，為了擴大校園安全宣導對象，針對不同年齡層國小孩童設計安全校園遊戲盒「惡魔搗蛋攻防戰」及校園安全帶動唱光碟。This is the 4th year of Campus Safety Campaign for school children. From 2012 onward, Mingtai had organized 92 shows with audiences totaling more than 30,000. For broadening the scope of the advocacy of campus safety, Mingtai has designed the game box "The Defense Against the Devils' Misdemeanor" for all ages of elementary school children and disc for singing in the improvement of campus safety.

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January2009/ 1月 December12月

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April2011/ 4月

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總公司及分支機構HEAD OFFICE AND BRANCH OFFICES

地區機構名稱電話號碼傳真機號碼郵遞區號地址

臺北總公司總公司 Head Office （02）2772-5678 （02）2772-6666 10685 臺北市大安區仁愛路四段 1號

大臺北

臺北分公司 Taipei Branch Office （02）2561-2555 （02）2531-8860 10458 臺北市中山區吉林路 69號

中山通訊處Chungshan Liaison Office （02）2561-2555 （02）2561-2866 10458 臺北市中山區吉林路 69號

南港通訊處Nankang Liaison Office （02）2786-8106 （02）2785-3587 11557 臺北市南港區忠孝東路六段 467號 5樓

北投通訊處Beitou Liaison Office （02）2820-1195 （02）2820-0524 11262 臺北市北投區承德路七段 342之 2號 1樓

新店通訊處Sindian Liaison Office （02）2918-2330 （02）2918-2340 23144 新北市新店區寶中路 92號 3樓

北羅花

板橋分公司Panchiao Branch Office （02）2960-8888 （02）2960-8311 22050 新北市板橋區文化路一段 51 號

新莊分公司Hsinchuang Branch Office （02）2993-9777 （02）2993-9699 24250 新北市新莊區思源路 173號 3樓

羅東分公司Lotung Branch Office （03）957-4900 （03）956-6817 26550 宜蘭縣羅東鎮公正路 196 號

花蓮分公司Hualien Branch Office （03）856-3369 （03）856-3368 97347 花蓮縣吉安鄉中央路三段 578號

桃竹苗

桃園分公司Taoyuan Branch Office （03）335-3161 （03）333-7794 33042 桃園市桃園區三民路三段 229號

中壢通訊處Chungli Liaison Office （03）494-5680 （03）494-5650 32049 桃園市中壢區環西路二段 329號

新竹分公司Hsinchu Branch Office （03）531-6171 （03）531-6855 30044 新竹市東區北大路 95號 5樓

苗栗分公司Miaoli Branch Office （037）32-1256 （037）35-7398 36048 苗栗縣苗栗市國華路 1136號

大臺中

臺中分公司Taichung Branch Office （04）2202-1818 （04）2202-2828 40443 臺中市北區民權路 222號

豐原通訊處Fengyuan Liaison Office （04）2532-1532 （04）2532-1592 42758 臺中市潭子區中山路二段 281號 4樓

彰化分公司Changhua Branch Office （04）725-3161 （04）722-9240 50042 彰化縣彰化市中山路二段 838號 8樓

南投分公司Nantou Branch Office （049）222-0990 （049）222-1231 54049 南投縣南投市育樂路 97、99號 2、3樓

雲嘉南

臺南分公司Tainan Branch Office （06）297-0319 （06）297-0329 70848 臺南市安平區永華路二段 319號

斗六分公司Douliou Branch Office （05）533-9345 （05）534-3037 64041 雲林縣斗六市建成路 105、107號 1、2樓

嘉義分公司Chiayi Branch Office （05）277-8966 （05）277-8288 60045 嘉義市東區吳鳳北路 381號 6樓

高鳳屏

高雄分公司Kaohsiung Branch Office （07）226-2277 （07）226-3366 80054 高雄市新興區中正三路 55號 21樓

鳳山通訊處Fengshan Liaison Office （07）742-8111 （07）743-7619 83067 高雄市鳳山區澄清路 93號

屏東分公司Pingtung Branch Office （08）734-5311 （08）732-5445 90074 屏東縣屏東市中正路 195之 3號

目錄 - 明台產物保險股份有限公司 · 企業社會責任 ... 明台於1961...

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