E.Sun Financial Holding Co., Ltd. - Investor Presentation 2017

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玉山金控2016年第4季法人說明會

Feb. 2017

免責聲明

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本份簡報由玉山金控提供，使用者在閱讀簡報資訊同時，應參考玉山金控向主管機關所申報公開且完整的各項財務業務訊息，我們會盡力確保簡報內容的正確性、完整性與精確度，但玉山金控並不保證所有資料皆準確無誤，簡報公開後，我們亦不負有因情事變更而即時修正相關內容義務。

使用者亦應注意，本份簡報可能包含前瞻性陳述。任何非歷史性資料，包括公司經營策略、營運計劃與未來展望等皆屬前瞻性陳述範疇，而前瞻性陳述本身的不確定性、風險、假設或其他因素如：法規變化、競爭環境、科技發展、經濟情勢與經營上的改變等，皆有可能導致公司實際營運結果與簡報陳述有重大差異。簡報的內容、陳述或主張非為買賣或提供買賣任何有價證券或金融商品的邀約、邀約之引誘或建議。玉山金控及其他關係企業代表人無論過失或其他原因，均不對使用或因他人引用本份簡報資料、亦或其他因簡報資料導致的任何損害負擔任何責任。

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大綱

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2016年第4季財務績效表現
2016年第4季業務發展概況
附件金控及子公司損益表及資產負債表

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全球總體經濟概況

全球經濟緩慢成長，不確定性高
’
• 近期國內外經濟數據好轉，加上各國採擴張財政刺激經濟， 17年全球經濟成長回升，惟反全球化浪潮持續蔓延，復甦力道疲弱，IMF預估 ’ 17年全球經濟成長率3.4%
美國經濟基本面相對穩健，就業、消費表現佳帶動成長，然川普就任後立即頒布貿易保護、移民禁令等措施，未來不確定性更高
’
• 中國經濟穩中求進，惟景氣L型成長至少3~5年， 16年經濟成長率6.7%，仍仰賴基建等投資穩增長。另人民幣呈貶值趨勢，導致資金外流、流動性趨緊
’ ’
• Fed考量景氣、就業及物價等因素， 16/12第2次升息1碼，預估 17年升息2~3次，若川普政策推升通膨，升息速度可能會加快；另亦傳出QE退場聲音，恐導致金融市場波動加大
台灣經濟乍暖還寒
美國緩步復甦、中國景氣築底，國內經濟指標透露成長，出口逐月好轉，製造業持續擴張，經濟成長逐季改善
’
• 資通訊帶動，加上油價及原物料價格回升，出口 16Q4成長11.7%，擺脫上半年負成長及Q3零成長， ’ 17/1成長7%
’
• 17年景氣緩慢成長，國內機構預測經濟成長1.65%~1.87%，連續3年低於2%，然全
球不確定因素仍多，出口需看美中表現，可能更需仰賴內需，走出長期低度成長

玉山金控整體概況

			Unit : NT$ million
		2016.12	2015.12

	玉山金控	1,888,918	1,775,284

	玉山銀行	1,876,185	1,760,401
總資產	玉山證券	11,513	11,254

	玉山保經	- 2/	1,281

	玉山創投	3,657	3,839

	金控每股淨值(新台幣元)	14.67	15.21

主要財務比率	雙重槓桿比率	104.79%	104.29%

	金控資本適足率	135.96%	141.73%

外資持股比重	QFII	55.36%	59.75%

	國內銀行通路	137	136
		Branch: HK, LA, Singapore, Vietnam, Australia,
		Myanmar
實體通路	海外據點	Subsidiary: China and Cambodia (UCB)
		Representative office in	Hanoi
		Totally 24 overseas operating sites
	證券分公司	20	21

Note: 1 Preliminary figures of Dec. 2016 2. Insurance Brokers was merged into Bank in March, 2016

2016年財業務概況

持續獲利動能

�2016年稅後淨利131.97億元，較去年同期成長3.0%。
�EPS 1.51元，ROE 10.41%，ROA 0.71%。

業務穩健成長

�淨利息收入及淨手續費收入穩健成長，YoY成長率為5.4% 及12.0%。
�信用卡及財富管理維持優異的成長動能，手續費收入成長率20.8% 及12.4%。
�放款穩健成長，放款餘額YoY成長率9.2%。
�資產品質優異，逾期放款比率0.19%，覆蓋率為629.9%。

2016年里程碑

�榮耀與肯定，2016年The Banker / Asiamoney / The Asset 頒發台灣最佳銀行獎。
�海外平台布局完整，於8個國家地區設有24個營業據點，提供顧客全面的跨境金融服務。
�保持在金融創新領域上的優勢，發展支付及智能金融等服務。

玉山金控獲利表現

Net Profit

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Unit: NT$ million
12,816 13,197
10,529
8,416
7,058
2012 2013 2014 2015 2016
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ROE

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11.11% 11.23%
10.65%
10.03% 10.41%
2012 2013 2014 2015 2016
Note: 1. Net Profit was deducted by non-controllable portion
2. Preliminary figures of Dec. 2016
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EPS
Unit: NT$ dollars
1.63
1.56
1.53 1.51
1.46
2012 2013 2014 2015 2016
ROA
0.77%
0.72% 0.71%
0.64%
0.59%
2012 2013 2014 2015 2016
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玉山金控及子公司獲利結構

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各子公司獲利貢獻金控及子公司稅後淨利比較
Contribution by Subsidiaries
Bank Unit: NT$ million
99.54%
13,197.0
13,194.3
12,816.3
11,908.6
2015
2016
Securities
0.42%
VC
0.03% 55.8
153.0 168.0
4.6
Bank Securities VC FHC
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Note. 1. Preliminary figures of Dec. 2016

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2. Insurance Brokers has been merged to Bank in Mar. 2016
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與去年同期獲利比較

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2016 P&L
40,891 (22,218)
Unit: NT$ million
(3,406)
(2,203)
13,197 [1/]
Net Revenue Operating Net Provision Income Tax Net Profit
Expense
2015 P&L +6.2% +10.3% +3.0%
38,489 (20,138)
(3,566)
(1,906) 12,816 [1/]
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 Dec. 2016

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$ 408.9億元
Unit: NT$ million
+12.0% YoY
+5.4% YoY
2015
Net Fee Income
2016
18,414
38.0%
17,474
15,543
13,878
LT Investment
Net Interest 7,066
0.3% 6,846
Income
45.0%
Fixed Income
Investment & Others
16.7%
71 88
Net Interest Income Net Fee Income LT Investment Fixed Income
Investment &
Others
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Note: Preliminary figures of Dec. 2016

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$ 155.4億元
Consumer Unit: NT$ million
Banking Corporate +20.8% YoY +12.4% YoY
Banking
6.8%
7.7%
2015
2016
Wealth Securities 8,219
Management &Others
52.9% 5.3% 7,313
4,244
3,514
Credit Card
27.3% 1,052 1,063 1,165 1,199
834 818
Credit Card Wealth Consumer Corporate Securitie&Others
Management Banking Banking
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Note: 1. Preliminary figures of Dec. 2016 2. WM Including Bancassurance fee from Insurance Brokers

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信用卡業務相關指標

Active Cards

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Unit: Thousand Cards ， %
Active Cards Market Share
11.07%
10.42% 10.43% 10.92%
9.80%
2,991
2,770
2,351 2,541
2,106
2012 2013 2014 2015 2016
Per Card Spending (Monthly)
Unit: NT$ dollar
8,362
7,593
6,846 6,925
6,729
2012 2013 2014 2015 2016
Note: Market share of Dec. 2016
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Card Consumption

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Unit: NT$ million
Consumption Market Share 11.17% 12.26%
10.08% 300,134
9.96%
9.51%
252,381
211,154
193,119
170,087
2012 2013 2014 2015 2016
Gross Fee Income
Unit: NT$ million
5,331
4,500
3,979
3,606
3,413
2012 2013 2014 2015 2016
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主要存放款業務比較

Unit: NT$ Bn

產品別 2016.12 QoQ Growth % 2016.9 YTD Growth % 2015	產品別 2016.12 QoQ Growth % 2016.9 YTD Growth % 2015	產品別 2016.12 QoQ Growth % 2016.9 YTD Growth % 2015
	產品別 2016.12 QoQ Growth % 2016.9 YTD Growth % 2015
	總存款 1,542.6 4.3% 1479.7 6.6% 1,447.4
	台幣活期存款 725.2 4.4% 694.8 7.8% 672.9
	台幣定期存款 423.3 32% 410.2 (20%) 431.8
	. .
	外幣存款 394.0 5.2% 374.7 15.0% 342.6
	總放款1/ 1,107.7 3.4% 1,071.1 9.2% 1,014.8

	企業放款 552.3 3.4% 533.9 9.5% 504.4
	中小企業放款 294.0 4.9% 280.3 11.8% 263.0
	消金放款 555.5 3.4% 537.3 8.8% 510.4
	房屋貸款 229.6 2.4% 224.3 2.8% 223.3
	小額信貸 91.0 3.9% 87.6 14.2% 79.7
	信用卡有效卡數(’000s) 2991 18% 2937 80% 2770
, . , . , 累積總簽帳金額 300.1 1.1% 224.2 18.9% 252.4 信用卡循環額 11.5 2.7% 11.2 10.6% 10.4	, . , . ,
	累積總簽帳金額 300.1 1.1% 224.2 18.9% 252.4
	信用卡循環額 11.5 2.7% 11.2 10.6% 10.4

Note: Excluded loan balance of subsidiaries NT $22.3 billion and credit card revolving balance

存款結構分析

Contribution by Subsidiaries 存放比率

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Unit: NT$ Bn
Total Deposits Total Loans LDR NTD LDR
1,387.5 1,447.4 1,488.7 1542.6
1,279.0
1,107.7
980.7 1019.5 1,030.7 83.7%
929.1
78.0%
77.5%
77.5%
77.0%
72.6%
71.8%
70.7% 70.4%
69.2%
2014 6M15 2015 6M16 2016
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存款結構比較

Unit: NT$ Bn 2015 725.2 2016 672.9 431.8 423.3 394.0 342.6 NTD Demand NTD Time Deposits FCY Deposits Deposits

Note: 1. Excluded Credit card revolving balance 2. Financials of E.SUN Bank 3. Excluded deposit and loan of subsidiaries

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 1,192 億元
Unit: NT$ Bn
SME 26.3%
2015
Mortgage 2016
20.5%
Large 294.0
Corporate 263.0
258.3
23.1%
241.5
229.6 234.9
223.3
207.3
91.0
79.7
Secured
Credit Card Personal
11.5
Revolving Loan 10.4
1.0% 21.0%
Unsecured
Large SME Mortgage Credit Unsecured Secured
Personal Corporate Card Personal Personal
Loan Loan Loan
8.1%
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Note: 1. Secured Personal Loan is fully collateralized by fixed asset 2. Excluded loan of subsidiaries

NIM and Spread

Contribution by Subsidiaries Quarterly Net Interest Margin

Quarterly Interest Spread

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Overall Lending Rate Overall Deposit Rate
Interest Spread
1.73% 1.74% 1.71%
1.71% 1.71% 1.69%
NIM
2.50% 2.46% 2.42%
2.34% 2.28% 2.25%
1.35%
1.33%
1.32% 1.32%
1.31% 1.30%
0.77% 0.72% 0.71%
0.63% 0.57% 0.56%
3Q 15 4Q 15 1Q 16 2Q 16 3Q 16 4Q 16
3Q 15 4Q 15 1Q 16 2Q 16 3Q 16 4Q 16
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Note: 1. Financials of E.SUN Bank

2. The net interest income restore the accounting treatment impact

優異的資產品質 1/3

Contribution by Subsidiaries NPL Ratio(%)

Coverage Ratio(%)

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Unit: NT$ million Unit: NT$ million
Loan Loss Reserve Coverage Ratio
12,563
13,305
12,526
NPL NPL Ratio 12,080
930.3% 676.3%
575.2%
629.9%
10,344
604.5%
0.19%
0.21%
0.18%
0.18%
0.13%
1,711 2,100 2,112
1,852
1,350
2014 6M 15 2015 6M 16 2016 2014 6M 15 2015 6M 16 2016
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Note: Financials of E.SUN Bank

優異的資產品質2/3

Contribution by Subsidiaries NPL Ratio for Credit Card NPL Ratio for Major Products

Unit: NT$ million

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Corporate NPL Ratio
NPL NPL Ratio
Mortgage NPL Ratio
0.28%
0.24%
0.18%
0.14%
0.26%
0.08% 0.23% 0.23%
0.05% 0.07% 0.23% 0.19% 107 133 147
88 94
0.06% 0.08% 0.06%
2014 6M15 2015 6M16 2016
2014 6M 15 2015 6M 16 2016
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Note: Financials of E.SUN Bank

優異的資產品質3/3

NPL Comparison with Market

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Market
0.38%
E.SUN 0.28% 0.25% 0.25% 0.24% 0.27% 0.27%
0.20% 0.15% 0.18% 0.21% 0.13% 0.18% 0.19%
2013 6M 14 2014 6M 15 2015 6M 16 2016
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Source : FSC

成本效率比

Unit: NT$ million

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Net Revenue Operating Expense(exclu. provision) Cost Income Ratio
37,285.9 39,825.0
30,688.5
25,959.5
53.1%
52.9% 54.0% 51.1% 21,127.0
19,042.8
16,560.0
13,725.3
2013 2014 2015 2016
Note: 1. Preliminary figures of Dec. 2016
2 Financials of E.SUN Bank
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資本適足率

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FHC CAR Ratio Bank BIS Ratio
Tier 2 Ratio Tier 1 Ratio
140.76% 141.53% 141.73%
139.10% 12.75% 13.34% 13.33% 14.54% 14.10%
135.96%
4.35% 3.85%
3.90% 3.93%
3.48%
10.19% 10.25%
9.27% 9.44% 9.40%
2014 6M 15 2015 6M 16 2016 2014 6M 15 2015 6M 16 2016
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Note: 1. Preliminary figures of Dec. 2016 2. As consolidated basis

Thank You

If you wish to know more about

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E.SUN, please visit our website site (www.esunfhc.com.tw) for more information.
If you have further questions, please
feel free to contact us through email or conference call
For more information, please contact Investor Relations Department +8862 2175 1313 Ext 1346, 9347,9302 [email protected]

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1/6 Appendix

Balance Sheet of 4Q2016 for E.SUN FHC and its subsidiaries

	NT$ million E.SUN Bank (consolidated) E.SUN Sec. (Consolidated) E.SUN VC E.SUN FHC (Standalone)	E.SUN FHC (consolidated)
	Assets： Cash and due from banks 125,732 686 507 468 Securities, net 503,158 211 547 0	124,949 512,126
	Loans, net 1,117,960 0 0 0 A/R, net 80,778 7,944 0 81 LT investments, net 544 173 2,077 134,733 Land, premises and equipments, net 25,787 347 0 33 Others 22,226 2,152 526 2,214	1,117,960 88,681 2,743 26,168 16,291
	Total assets 1,876,185 11,513 3,657 137,529	1,888,918
	Liabilities: Deposits 1,615,652 0 0 0 Other liabilities 133328 6803 67 8956	1,554,965 204595
	, , ,	,
	Total liabilities 1,748,980 6,803 67 8,956	1,759,560
	Total stockholders' equity 127,205 4,710 3,590 128,573	129,358
	Total equityattributable to owners of the company 126,416 4,710 3,590 128,573	128,573
	Non-Controllinginterests 789 0 0 0	785
	'
	Total liabilities andstockholders equity 1,876,185 11,513 3,657 137,529	1,888,918

Note: Preliminary figures of Dec. 2016

2/6 Appendix

P&L of E.SUN FHC and its subsidiaries for 4Q2016

		E.SUN FHC (consolidated) 18,414	E.SUN FHC (consolidated) 18,414
	NT$ million E.SUN Bank (Consolidated) E.SUN Sec. (Consolidated) E.SUN VC E.SUN FHC (Standalone)	E.SUN FHC (consolidated)
	Operating income Net interest income 18,247 286 1 (121)	18,414
	Net fee income 15,537 599 0 0 LT investment income 54 3 26 13,538 Net trading income/(loss) & Derivatives & FX 6,575 36 (2) (37) Others 293 96 1 71	15,543 81 6,571 282
	Total Net Revenues
	40,706 1,020 26 13,451	40,891
	Allowance for bad-debt expenses (3,406) 0 0 0 Operating expenses (21,809) (937) (14) (237)	(3,406) (22,218)
	Income before income tax 15,491 83 12 13,214 Income tax expenses (2,151) (27) (7) (17)	15,267 (2,203)
	Net Income 13,340 56 5 13,197	13,064
	Attributable to owners of the company 13,327 56 5 13,197	13,197
	Attribute to former business under control 146 0 0 0	0
	Non-controlling interests (133) 0 0 0	(133)

Note: 1. Preliminary figures of Dec. 2016

2. Insurance Brokers was merged with Bank on March 25[th] , 2016

3/6 Appendix

E.SUN FHC’s Balance Sheet (Consolidated)

			Dec 16 124,949
NT$ million	2013 2014 2015 Yearly Results	Quarterly Results
		Dec 15 Mar 16 Jun 16 Sep 16	Dec 16
Assets： Cash and due from banks	79,252 89,638 104,113	104,113 96,705 88,346 86,116	124,949
Securities, net Loans, net A/R, net LT investments, net Land, premises and equipments, net	352,114 420,897 469,508 828,238 934,614 1,021,995 62,895 73,088 78,562 1,783 2,184 2,386 19,373 21,106 26,792	469,508 517,090 548,099 515,775 1,021,995 1,017,679 1,038,719 1,080,228 78,562 76,731 84,218 79,367 2,386 2,700 2,706 2,736 26,792 26,856 27,390 27,451	512,126 1,117,960 88,681 2,743 26,168
Others	37,382 24,893 71,928	71,928 64,604 54,940 52,175	16,291
Total assets	1,381,037 1,566,420 1,775,284 1,150,369 1,280,692 1,456,394	1,775,284 1,802,365 1,844,418 1,843,848	1,888,918
Liabilities: Deposits		1,456,394 1,476,395 1,497,509 1,493,485	1,554,965
Other liabilities	147,313 178,067 197,229	197,229 201,688 221,838 222,415	204,595
Total liabilities	1,297,682 1,458,759 1,653,623 83,355 107,661 121,661 82,651 106,876 120,927 704 785 734	1,653,623 1,678,083 1,719,347 1,715,900	1,759,560
Total stockholders' equity		121,661 124,282 125,071 127,948	129,358
Total equity attributable to owners of the company		120,927 123,480 124,272 127,162	128,573
Non-Controlling interests		734 802 799 786	785
Total liabilities and stockholders' equity	1,381,037 1,566,420 1,775,284	1,775,284 1,802,365 1,844,418 1,843,848	1,888,918

Note: Preliminary figures of Dec. 2016

4/6 Appendix

E.SUN FHC’s P&L account (Consolidated)

		4Q15 1Q16 2Q16 3Q16 4Q16 Quarterly Results	4Q15 1Q16 2Q16 3Q16 4Q16 Quarterly Results
NT$ million	2013 2014 2015 Yearly Results
		4Q15 1Q16 2Q16 3Q16	4Q16
Operating income
Net interest income Net Fee income LT investment income Net trading income/(loss) & Derivatives & FX Others	13,035 15,485 17,474 9,124 11,470 13,878 308 121 71 4,359 5,602 7,378	4,514 4,329 4,528 4,751 3,326 3,459 3,825 4,373 1 26 6 56 1,834 1,777 1,625 1,659	4,806 3,886 (7) 1,510
	(79) 77 (312) 26,747 32,755 38,489 (1,707) (2,034) (3,566) (14,826) (17,950) (20,138) 10,214 12,771 14,785	(513) 14 31 32	205
Total Net Revenues		9,162 9,605 10,015 10,871	10,400
Allowance for bad-debt expenses Operating expenses		(779) (33) (541) (1,028) (5,587) (5,167) (5,397) (5,636)	(1,804) (6,018)
Income before income tax		2,796 4,405 4,077 4,207	2,578
Income tax expenses	(1,798) (2,166) (1,906) 8,416 10,605 12,879 8,416 10,529 12,816 - - - 76 63	(361) (689) (560) (726)	(228)
Net Income		2,435 3,716 3,517 3,481	2,350
Income Attributable to owners of the company		2,422 3,698 3,546 3,474	2,479
Attribute to former business under control		- - - -	-
Non-Controlling interests		13 18 29 7	129
	-	()	()

Note: Preliminary figures of Dec. 2016

5/6 Appendix

E.SUN Bank’s Balance Sheet

			Dec 16 125,732
NT$ million	2013 2014 2015 Yearly Results	Quarterly Results
		Dec 15 Mar 16 Jun 16 Sep 16	Dec 16
Assets： Cash and due from banks	79,225 89,599 103,947	103,947 96,603 88,342 86,046	125,732
Securities, net Loans, net A/R, net LT investments, net Land premises and equipments net	350,833 417,344 467,481 828,238 934,614 1,021,995 56,093 65,392 71,523 521 546 542 18,487 20,247 26,156	467,481 516,351 546,517 513,982 1,021,995 1,017,679 1,038,719 1,080,228 71,523 68,859 76,924 71,682 542 541 538 538 26,156 26,935 26,719 26,819	503,158 1,117,960 80,778 544 25,787
, , Others	35,516 24,202 68,986 1,368,913 1,551,944 1,760,630 1157060 1284728 1457201	68,986 60,295 52,156 49,880	22,226
Total assets		1,760,630 1,787,263 1,829,915 1,829,175	1,876,185
Liabilities:		1457201 1478221 1502420 1495822	1615652
Deposits Other liabilities		,, ,, ,, ,, 185,171 187,812 205,416 207,925	,, 133,328
Total liabilities		1,642,372 1,666,033 1,707,836 1,703,747	1,748,980
Total stockholders' equity		118,258 121,230 122,079 125,428	127,205
		116,391 120,423 121,274 124,635	126,416

Non-Controllinginterests 704 785 1,133		1,133 807 805 793	789
Attribute to former business under control - - 734 Total liabilities and stockholders' equity 1,368,913 1,551,944 1,760,630		734
		1,760,630 1,787,263 1,829,915 1,829,175	1,876,185

Note: 1. Preliminary figures of Dec. 2016

2. E.SUN IB merged into E.SUN Bank on Mar. 16 and therefore restate the financial statement of ‘15, in which Q1~Q3 were reviewed by CPA. .

6/6 Appendix

E.SUN Bank’s P&L account

		4Q15 1Q16 2Q16 3Q16 4Q16 4,469 4,289 4,486 4,709 4,763 Quarterly Results	4Q15 1Q16 2Q16 3Q16 4Q16 4,469 4,289 4,486 4,709 4,763 Quarterly Results
NT$ million	2013 2014 2015 Yearly Results	Quarterly Results
		4Q15 1Q16 2Q16 3Q16	4Q16
Operating income Net interest income	12,887 15,286 17,253	4,469 4,289 4,486 4,709	4,763
Fee income LT investment income Net trading income/(loss) & Derivatives & FX Others	7,929 9,910 13,190 49 48 45 4,969 5,318 6,522 125 127 276 25,959 30,689 37,286	3,147 3,294 3,680 4,220 0 5 6 43 1,236 1,904 1,540 1,756 11 23 39 37	4,343 0 1,375 194
Total Net Revenues		8,863 9,515 9,751 10,765	10,675
Allowance for bad-debt expenses Operatingexpenses	(1,707) (2,034) (3,566) (13,725) (16,560) (19,043) 10,527 12,095 14,677 (1,680) (1,814) (1,947) 8,847 10,281 12,730	(779) (32) (540) (1,029) (5,322) (4,916) (5,151) (5,381)	(1,805) (6,361)
Income before income tax Income tax expenses		2,762 4,567 4,060 4,355 (382) (667) (557) (729)	2,509 (198)
Net Income		2,380 3,900 3,503 3,626	2,311
Attributable to owners of the company	8,847 10,205 11,908 - - 759 - 76 63	2,204 3,736 3,532 3,618	2,441
Attribute to former business under control		163 146 - -	-
Non-controllinginterests		13 18 (29) 8	(130)

Note: 1. Preliminary figures of Dec. 2016

2. E.SUN IB merged into E.SUN Bank on Mar. 16 and therefore restate the financial statement of ‘15, in which Q1~Q3 were reviewed by CPA. .

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E.Sun Financial Holding Co., Ltd. — Investor Presentation 2017

52215_rns_2017-02-14_6dffbd0d-5d6c-45f0-8051-85798393bea7.pdf

免責聲明

大綱

全球總體經濟概況

玉山金控整體概況

2016年財業務概況

持續獲利動能

業務穩健成長

2016年里程碑

玉山金控獲利表現

Net Profit

ROE

玉山金控及子公司獲利結構

Note. 1. Preliminary figures of Dec. 2016

與去年同期獲利比較

玉山金控淨收益結構

玉山金控淨手續費結構

信用卡業務相關指標

Active Cards

Card Consumption

主要存放款業務比較

存款結構分析

Contribution by Subsidiaries 存放比率

存款結構比較

放款結構分析

NIM and Spread

Contribution by Subsidiaries Quarterly Net Interest Margin

Quarterly Interest Spread

Note: 1. Financials of E.SUN Bank

優異的資產品質 1/3

Note: Financials of E.SUN Bank

優異的資產品質2/3

Contribution by Subsidiaries NPL Ratio for Credit Card NPL Ratio for Major Products

Note: Financials of E.SUN Bank

優異的資產品質3/3

NPL Comparison with Market

Source : FSC

成本效率比

資本適足率

Thank You

1/6 Appendix

Balance Sheet of 4Q2016 for E.SUN FHC and its subsidiaries

2/6 Appendix

P&L of E.SUN FHC and its subsidiaries for 4Q2016

3/6 Appendix

E.SUN FHC’s Balance Sheet (Consolidated)

Note: Preliminary figures of Dec. 2016

4/6 Appendix

E.SUN FHC’s P&L account (Consolidated)

5/6 Appendix

E.SUN Bank’s Balance Sheet

6/6 Appendix

E.SUN Bank’s P&L account

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E.Sun Financial Holding Co., Ltd. Investor Presentation 2017