Fubon Credit (Hong Kong) Limited 2004 Financial Statements

Fubon Credit (Hong Kong) Limited (“Fubon Credit”) will exhibit its 2004 financial statements at the 23 branches, 4 Ambassador Centers and 2 Securities Services Centers of Fubon Bank (Hong Kong) Limited (“Fubon Bank”). These financial statements have been prepared in accordance with all applicable Hong Kong Financial Reporting Standards (which include all applicable Statements of Standard Accounting Practice and Interpretations) issued by the Hong Kong Institute of Certified Public Accountants, accounting principles generally accepted in Hong Kong and the requirements of the Hong Kong Companies Ordinance.

These financial statements also comply with the recommendations in the Supervisory Policy Manual “Financial Disclosures by Locally Incorporated Authorised Institutions” issued by the Hong Kong Monetary Authority.

Fubon Credit is a subsidiary of Fubon Bank and is a deposit-taking company in Hong Kong providing deposit-taking and financial services, including residential mortgage lending and equipment leasing services. Fubon Bank, which provides a wide range of banking and financial services including consumer finance, retail and commercial banking, investment services and equipment leasing, serves its customers through 29 outlets including Superbranches, Ambassador Centers and Securities Services Centers as well as ATMs, PhoneBanking, and e-banking service at www.fubonbank.com.hk. Fubon Bank is listed on The Stock Exchange of Hong Kong Limited and is rated A-3 short-term, BBB long-term by Standard & Poor’s. Fubon Financial Holding Co., Ltd., a leading Taiwan financial institution, acquired a 75% shareholding in Fubon Bank in April 2004.