E.Sun Financial Holding Co., Ltd. — Interim / Quarterly Report 2015

玉山金控2015年第3季財業務資訊

Oct. 2015

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大綱

• 2015年第3季財務績效表現

• 2015年第3季業務發展概況

E.SUN FHC Summary

Note: Preliminary data of Sep. 2015

1

2015 Q3 Business and Financial Review

持續獲利動能

• 2015年前三季稅後淨利103.9億元，較去年同期增加23.6%。

• EPS 1.32元，ROE 12.27%，ROA 0.84%

主要業務穩健發展

• 淨利息收入及淨手續費收入分別成長13.5%及23.6%。

• 存放款餘額穩健成長，前三季分別成長9.4%及7.3%。

• 財富管理為手續費成長的主要動能，2015年前三季YoY成長42.6%。

• 越南分行於9月18日開幕，海外布局更完整。

資產品質優異

• NPL 0.18%，保持優異的水準。

• 至2015年9月止，覆蓋率為719.2%。

2

玉山金控獲利表現

Net Profit

Unit: NT$ million

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ROE

Note: 1. ROE and ROA are annualized. 2. Preliminary figures of Sep. 2015

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EPS
Unit: NT$ dollars
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ROA
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3

玉山金控及子公司獲利結構

Contribution by Subsidiaries 各子公司獲利貢獻

金控及子公司稅後淨利比較

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Unit: NT$ million

Note: Preliminary figures of Sep. 2015

4

與去年同期獲利比較

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9M 15 P&L
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Unit: NT$ million
29,336 (14,423)
(2,912)
(1,567) 10,391
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
9M 14 P&L
+143.7%
+19.7%
+23.6%
24,504 (13,002)
(1,195) (1,836)
8,405
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
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Note: 1. Net Profit is deduct non-controllable portion 2. Preliminary figures of Sep. 2015

5

玉山金控淨收益結構

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Contribution by Subsidiaries淨收益 Net Income of FHC and its Subs
與去年同期比較
新台幣$ 29,336 百萬元
Unit: NT$ million
+13.5% YoY
+23.6% YoY
12,835
9M 14
11,309
9M 15
10,555
8,540
5,876
4,552
103 70
Note: Preliminary figures of Sep. 2015 Net Interest Net Fee Income LT Investment Trading Gains
Income &Others
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6

玉山金控淨手續費結構

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Contribution by Subsidiaries淨手續費收入 Net Income of FHC and its Subs
與去年同期比較
新台幣$ 10,555 百萬元
Unit: NT$ million
+8.2% YoY +42.6% YoY
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Note: 1. Preliminary Figures of Sep. 2015

2. WM Including Bancassurance fee from E.SUN Insurance Brokers

7

信用卡業務相關指標

Active Cards

Unit: Thousand Cards ， %

Per Card Spending (Monthly)

Unit: NT$ dollar

Card Consumption

Unit: NT$ million

Gross Fee Income

Unit: NT$ million

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8

主要存放款業務比較

Unit: NT$ Bn

Note: 1.Exclude credit card revolving balance 4. Exclude deposit(US$ 473 million) and loan(US$ 407 million) from UBC, Cambodia

2. QoQ growth is 3Q15 vs 2Q15

3. YoY growth is 9M2015 vs 9M14

9

存款結構分析

Contribution by Subsidiaries 存放比率

存款結構比較

Unit: NT$ Bn

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Note: 1.Excluding Credit card revolving balance 3. Exclude deposit(US$ 473 million) and loan(US$ 407 million) from UCB, Cambodia 2. Financials of E.SUN Bank

10

放款結構分析

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Contribution by Subsidiaries總放款
與去年同期比較
新台幣$ 1兆73億元
Unit: NT$ Bn
9M14
249.4 251.2
9M15
SME 231.2
24.9% 221.0 217.5
222.1
Mortgage
199.4
22.1%
174.3
Large
Corporate
24.7%
74.8
57.5
Credit
Card Secured
Revolving Personal 10.6 10.4
1.0% UPL Loan
7.4% 19.8%
Large SME Mortgage Credit UPL Secured
Corporate Card Personal
Loan
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Note: 1.Include Credit Card Revolving balance

2. Secured Personal Loan, which is fully collateralized.

3. As of Sep. 2015

4. Exclude loan(US$ 407 million) from UCB, Cambodia

11

NIM and Spread

Contribution by Subsidiaries Quarterly Net Interest Margin

Quarterly Interest Spread

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• Note: 1. Financials of E.SUN Bank

2. The net interest income restore the accounting treatment impact

12

優異的資產品質 1/3

Contribution by Subsidiaries NPL Ratio(%)

Coverage Ratio(%)

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Note: .1. Financials of E.SUN Bank

13

優異的資產品質 2/3

Contribution by Subsidiaries NPL Ratio for Major Products

NPL Ratio for Credit Card

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Corporate NPL Ratio
Mortgage NPL Ratio
0.28%
0.26%
0.24% 0.20%
0.19%
0.08%
0.05% 0.05% 0.07% 0.07%
2013 6M14 2014 6M15 9M 15
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Note: .1. Financials of E.SUN Bank

14

優異的資產品質 3/3

NPL Comparison with Market

Market

E.SUN

Note: Source : FSC

15

成本效率比

Unit: NT$ million

Note: 1. Preliminary figures of Sep. 2015

2. Financials of E.SUN Bank

16

資本適足率

FHC CAR Ratio

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Bank BIS Ratio

13.21% 12.21% 12.24% 13.08% 12.75% 13.34%

Note: 1. Audit figures of June 2015

2. As consolidated basis

17

Q & A

• If you wish to know more about

E.SUN, please visit our website site (www.esunfhc.com.tw/ir/ir.aspx) for more information.

• If you have further questions, please

• feel free to contact us through email or conference call

Mr. Anthony Cheng +8862 2175-1346 - Tonycheng [email protected]

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