After discovering that the Bank of Panhsin had invested in excess of the legal limit in real estate not intended for self-use, in violation of Article 75, paragraph 3 of the "Banking Act," the FSC imposed an administrative fine of NT$1 million in accordance with Article 130 of the same Act in force at the time of the violation. Also, the Bank had failed to carry out rigorous reviews before modifying the conditions for loans to interested parties. This violation hindered safe and sound operation, so the FSC issued an official reprimand in accordance with Article 61-1, paragraph 1 of the same Act.