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First Financial Holding Co. Ltd. Annual Report 2012

Feb 27, 2013

52222_rns_2013-02-27_53eb7054-2fb7-4ccd-9dac-03d5d452c9d9.pdf

Annual Report

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第一金控 2012 年營運報告 - 自結數

Feb. 27, 2013

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免責聲明

本份簡報由第一金控提供，內容並未經會計師或任何獨立公正第三者查閱，使用者在閱
讀簡報資料同時，應參考第一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、完整性與精準度，但第一金控並不保證所有資料皆
準確無誤，簡報公開後，我們亦不承擔有因情勢變更而即時修正相關內容之義務。
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、營運計畫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、
假設或其它因素如：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。第一集團及其各關係企業代表人無論過失或其它原因，均不對使用或因他
人引用本分簡報資料、亦或其它因簡報資料導致的任何損害負擔任何責任。

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內容

  • 業務摘錄

  • 財務資料

  • 營運成果

  • 資產品質

  • 海外及中國佈局

  • 附件

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業務摘錄

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2012 年營運績效

  • 在信貸成本控制得宜下，放款及利差成長依舊活力十足： 放款較去年 6.2%； NIM較去年 11bps 2012年信用成本為 40 bps

  • 2012 年一類授信資產提存進度符合目標： 一類授信資產提存已達到 0.98%

  • 中國 佈局： 銀行及租賃均有不錯之獲利表現

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2012年財務資料 - 自結數

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2012年集團財務摘要

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淨利 (in NT$ mn)
7,077 6,962 10,125
35.5%
7,471
2,689
？
2008 2009 2010 2011 2012
年化後
每股淨值 每股盈餘
股東權益報酬率
(in NT$) (in NT$)
16.57 1.25 7.75%
2011: 16.53 2011: 1.08 2011: 6.38%
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2012 年主要財務數字



2012
10,1251
2,119,321
1.25
16.57
81,254
7.75%
0.48%
126.23%
104.08%
6.34%
YoY %
35.5%
1.8%
15.7%
0.2%
6.0%
21.5%
33.3%
2.6%
0.5%
-4.4%
合併稅後淨利
總資產
每股盈餘
每股淨值
股本
平均淨值報酬率
2
平均資產報酬率
2
集團資本適足率3
雙重槓桿比率4
負債比率5
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
2011
7,4711
2,080,970
1.08
16.53
76,654
6.38%
0.36%
123.00%
103.58%
6.63%
2012獲利組合佔比1 ( in NT$ mn)

2012
10,1251
2,119,321
1.25
16.57
81,254
7.75%
0.48%
126.23%
104.08%
6.34%
YoY %
35.5%
1.8%
15.7%
0.2%
6.0%
21.5%
33.3%
2.6%
0.5%
-4.4%
合併稅後淨利
總資產
每股盈餘
每股淨值
股本
平均淨值報酬率
2
平均資產報酬率
2
集團資本適足率3
雙重槓桿比率4
負債比率5
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
2011
7,4711
2,080,970
1.08
16.53
76,654
6.38%
0.36%
123.00%
103.58%
6.63%
銀行
NT$10,375; 102.5%
證券
NT$(167); -1.6%
投信
NT$109; 1.0%
其他&
金控本身
NT$(78);-0.8%
人壽保險
NT$(114); -1.1%

1.[依各公司管理事業群之分類方式決定應單獨立列示之業務別財務資訊，填列合併沖銷後之金額]

2.[年化後數字] 3.[資本適足率為自結數] 4.[雙重槓桿比率] =[股權投資] /[股東權益] 5.[非合併基礎]

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2012 年營運成果

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2012 合併淨利 (in NT$ mn)
36,572 (17,983)
銀行 (5,890)
人壽 (656)
(6,546)
(1,919)
10,125
淨收益 營業費用 呆帳費用 所得稅 合併稅後淨利
2011 合併淨利 (in NT$ mn)
32,559 (17,970)
銀行 (5,347)
人壽 (36)
(5,383)
(1,735)
7,471
淨收益 營業費用 呆帳費用 所得稅 合併稅後淨利
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2012 年獲利情形 金控及主要子公司

第一金控淨利 (in NT$ mn )

一銀淨利 (in NT$ mn)

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總資產 : 2,119,321 淨值 [2 ] : 135,251 總資產 : 2,058,874 淨值 : 125,206
年化後股東權益報酬率 [1] 7.75% 年化後股東權益報酬率 [1] 8.58%
+20.3%
+35.5%
10,375
10,125
8,625
7,471
2011 2012
2011 2012
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1. 年化後數字

2. 含少數股東權益

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2012年獲利情形 金控及主要子公司

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第一金證券淨利 (in NT$ mn ) 第一金投信淨利 (in NT$ mn ) 第一金人壽 [2] 淨利 (in NT$ mn )
:1.62%
經紀市佔率 資產管理規模 : 81,568 總資產 : 24,198
淨值 : 6,346 1: 資產管理規模排名 : 8 年化後股東權益報酬率 1: : -9.14%
年化後股東權益報酬率 : -2.59% 1:
年化後股東權益報酬率 : 11.30%
(114)
(167)
(268)
(830)
FFHC (58)
112 109
Aviva (56)
2011 2012 2011 2012 2011 2012
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1. 年化後數字

  1. 與 Aviva 合資 , 第一金控佔 51% 股權

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2012 年營運成果 - 自結數

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金控獲利能力 ( 稅後 )

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季度淨利 (in NT$ mn)
淨利
3,603
3,017
2,541 2,428 2,382 2,396
1,931 2,000
1,572
918 1,109
661
(1,806)
4Q 09 1Q 10 2Q 10 3Q10 4Q10 1Q 11 2Q11 3Q11 4Q 11 1Q 12 2Q 12 3Q 12 4Q12
年化後股東權益報酬率 ( % )
累積淨利 年化後股東權益報酬率
10.22%
9.37% 9.19%
6.49% 6.67% 7.44% 8.26% 7.73% 6.38% 7.75%
4.92%
3.60%
2.66%
10,125
9,016
6,962 6,810 7,471 6,620
5,031 4,428
2,689 2,490 2,000 3,017
918
2009 3M 10 6M 10 9M 10 2010 3M 11 6M 11 9M 11 2011 3M 12 6M 12 9M 12 2012
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  1. 含少數股權

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一銀獲利能力(稅後)

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季度淨利 (in NT$ mn )
淨利
3,601
3,000 2,909
2,550
2,256 2,370
1,967 2,059
1,495
1,313
803 1,016
(1,935)
4Q 09 1Q 10 2Q 10 3Q 10 4Q 10 1Q 11 2Q11 3Q11 4Q 11 1Q 12 2Q 12 3Q12 4Q12
年化後股東權益報酬率 ( % ) 累積淨利 年化後股東權益報酬率
8.52% 9.52% 9.53% 8.12% 9.80% 10.92% 9.81% 8.58%
6.34% 6.82%
4.70%
3.56%
2.29%
10,375
8,625 8,880
7,609
6,339 6,510
4,372 4,609
2,909
2,054 2,116 2,059
803
2009 3M 10 6M 10 9M 10 2010 3M 11 6M 11 9M 11 2011 3M 12 6M 12 9M 12 2012
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一銀淨收益分析

30,924
33,756
2011 2012
累積淨收益
2012累積淨收益 (in NT$ mn or %)
+9.2%		 +3.2%
1.4%
-1.8%
其他
100.0%
1.4%
1.5%
8.4%
7.8%
15.6%
67.1%
2011
變動
2012
項目
100.0%
0.5%
1.9%
6.3%
7.2%
14.6%
68.1%
累積淨收益
-0.9%
股票–短投
+0.4%
股票–長投
-2.1%
其他金融商品收益
-0.6%
呆帳收回
-1.0%
淨手收
+1.0%
淨利收
累積淨收益佔比
~~z~~

一銀 2012 累積淨收益佔比 ( in NT$ mn)

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↑10.8%
23,003
20,761
↓32.8% ↑2.2%
4,826 4,931 440 162 462 634 2,581 2,140 2,402 2,415 471
-548
2011 2012 2011 2012 2011 2012 2011 2012 2011 2012 2011 2012 2011 2012
淨利收 淨手收 股票 - 短投 股票 – 長投 其他金融商品收益 呆帳收回 其他
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一銀總放款結構

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2012 總放款 [1] (in NT$ bn or %) 總放款 [1] 比例
項目 2011 2012 變動
1,438.4
消金放款 26.6% 27.2% +0.6%
房貸 25.8% 26.3% +0.5%
+6.2%
1,354.4 其他消費貸款 0.8% 0.9% +0.1%
法金放款 73.4% 72.8% -0.6%
企業放款 48.3% 48.3% +0.0%
外幣放款 17.7% 18.1% +0.4%
2011 2012 政府及公營事業放款 7.4% 6.4% -1.0%
總放款 [1 ] 總放款 [1 ] 100.0% 100.0%
2012 總放款 [1] (in NT$ bn ) 694.5
佔比 ↑6.1%
654.3
↑8.0%
377.9
SME↑7.6% ↑ 8.2%
240.4 260.2
↓6.4% SME [2 ] Overseas
350.0 SME [2 ] 126.9
92.0 486.6
523.5 Overseas Overseas
11.4 13.9 98.3 100.0 110.7
2011 2012 2011 2012 2011 2012 2011 2012 2011 2012
房貸 其他消費貸款 政府及公營事業放款 企業放款 外幣放款
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  1. 總放款不含催收款

  2. 中小企業依經濟部定義，含外幣放款

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一銀總放款結構

- 季度比較

一銀放款成長 (in NT$ bn) 一銀放款成長 (in NT$ bn)
624.9
641.7
654.3
669.7
676.3
690.3
694.5
338.7
343.0
350.0
351.5
358.6
367.3
377.9
116.0
128.9
103.6
95.2
68.3
92.0
224.5
238.9
240.4
244.2
259.1
264.6
260.2
98.3
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
政府/公營
中小企業
房貸
企業放款2
1,314.0
1,363.1
1,354.4
1,380.2
1401.5
1403.3
1438.4
外幣放款
515.7
486.6
488.7
514.2
510.6
523.5
500.2
總放款		 +2.5%
+7.6%
-1.7%
+8.2%
+35%
-6.4%
+2.9%
+8%
+0.6%
+6.1%
季成長 年度成長
+2.5% +7.6%
-1.7% +8.2%
+35% -6.4%

+2.9%
+8%
+0.6% +6.1%
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
1.未包含其他消費者貸款
2.企業放款含中小企業放款
  1. 未包含其他消費者貸款 2. 企業放款含中小企業放款

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一銀放款額與淨利息收益

4,312
4,422
4,616
4,829
4,910
5,163
5,293
5,395
5,597
5,777
5,825
5,804
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
季度淨利息收益/利差/淨利息收益率 ( in NT& mn or % )
季度淨利收
淨利息收益率3
利差3
1,125.8
1,173.0
1,206.0
1,260.1
1,320.8
1,322.0
1,370.6
1,360.7
1,386.3
1,408.0
1,410.3
1,445.2
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
總放款&存放比 (in NT$ bn or % )
總放款1
存放比2
△
73.10%
76.21%
76.51%
78.14%
83.47%
84.21%
86.36%
84.72%
86.05%
88.28%
88.71%
89.49%
0.99%
0.99%
1.00%
1.02%
1.07%
1.10%
1.10%
1.10%
1.18%
1.20%
1.20%
1.21%
1.38%
1.38%
1.39%
1.41%
1.36%
1.40%
1.40%
1.41%
1.45%
1.47%
1.48%
1.49%		 4,312
4,422
4,616
4,829
4,910
5,163
5,293
5,395
5,597
5,777
5,825
5,804
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
季度淨利息收益/利差/淨利息收益率 ( in NT& mn or % )
季度淨利收
淨利息收益率3
利差3
1,125.8
1,173.0
1,206.0
1,260.1
1,320.8
1,322.0
1,370.6
1,360.7
1,386.3
1,408.0
1,410.3
1,445.2
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
總放款&存放比 (in NT$ bn or % )
總放款1
存放比2
△
73.10%
76.21%
76.51%
78.14%
83.47%
84.21%
86.36%
84.72%
86.05%
88.28%
88.71%
89.49%
0.99%
0.99%
1.00%
1.02%
1.07%
1.10%
1.10%
1.10%
1.18%
1.20%
1.20%
1.21%
1.38%
1.38%
1.39%
1.41%
1.36%
1.40%
1.40%
1.41%
1.45%
1.47%
1.48%
1.49%
4,312
4,422
4,616
4,829
4,910
5,163
5,293
5,395
5,597
5,777
5,825
5,804
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
季度淨利息收益/利差/淨利息收益率 ( in NT& mn or % )
季度淨利收
淨利息收益率3
利差3
0.99%
0.99%
1.00%
1.02%
1.07%
1.10%
1.10%
1.10%
1.18%
1.20%
1.20%
1.21%
1.38%
1.38%
1.39%
1.41%
1.36%
1.40%
1.40%
1.41%
1.45%
1.47%
1.48%
1.49%
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12

  1. 總放款 = 放款 + 進 / 出口買匯 + 催收款項

  2. 存放比 = 總放款 / 總存款 ( 含郵政轉存款 ), 但自 2011 年起 , 總存款剔除組合式存款 , 如納入該存款之存放比為 82.91%

  3. 利差 及 淨利息收益率 均為 累積年度平均數

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一銀台外幣利差分析

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一銀台幣利差及成本分析 ( in % ) 放款利率 (NTD) 存款利率 (NTD)
利差 (NTD)
1.83% 1.83% 1.84% 1.92% 1.89% 2.01% 2.06% 2.06% 2.06% 2.09% 2.10% 2.10%
1.31% 1.31% 1.31% 1.35% 1.30% 1.36% 1.38% 1.38% 1.37% 1.40% 1.41% 1.42%
0.52% 0.52% 0.53% 0.57% 0.59% 0.64% 0.68% 0.68% 0.69% 0.69% 0.69% 0.68%
1Q10 2Q10 3Q10 4Q10 1Q 11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12
一銀外幣利差及成本分析 ( in % ) 放款利率 (FX) 存款利率 (FX)
利差 (FX)
2.09% 2.10% 2.11% 2.14% 2.10% 2.14% 2.16% 2.33% 2.38% 2.31% 2.43% 2.49%
1.75% 1.72% 1.73% 1.77% 1.69% 1.73% 1.70% 1.74% 1.84% 1.82% 1.90% 1.97%
0.34% 0.38% 0.38% 0.37% 0.41% 0.41% 0.46% 0.59% 0.54% 0.49% 0.53% 0.52%
1Q10 2Q10 3Q10 4Q10 1Q 11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12
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  • 以上利率均為 季度 加權平均數字

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一銀新台幣存款組成

一銀台幣存款結構 (in % )
定存比重
活存比重
△
固定利率佔定存比重
40%
40%
41%
40%
41%
41%
43%
42%
42%
44%
60%
60%
56%
57%
58%
58%
59%
59%
60%
59%
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
41.5%
40.5%
39.8%
38.9%
34.0%
36.0%
37.0%
37.0%
41.0%
42.0%

20

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一銀房貸分析

2012 房貸承作依地區別 (in %) 房貸承作依地區別 (in %) 房貸承作依地區別 (in %) 房貸承作依地區別 (in %) 房貸成數比 房貸成數比 房貸成數比 (in %)
地區 2012 新承作房貸成數比 平均房貸成數比 房貸利率
北部 70%
大台北都會
桃竹苗		 54%
16%		 **2.13% 2.20% 2.26% ** **2.24% ** **2.22% ** **2.20% ** 2.18% 2.16%
中部
大台中
南部		 10%
16%		 **69.40% ** **68.71% ** **70.06% ** **70.53% ** 70.97% **67.01% ** 66.67% 66.68%
降至50%
以下
台南/高雄 **51.19% ** **50.47% ** **51.31% ** **51.64% ** **51.66% ** **48.89% ** 48.74% 48.87%
東部 4%
總計 100.0% 3M11 6M11 9M11 2011 3M12 6M12 9M12
2012
房貸餘額及房貸逾放比 (in NT$ bn and % ) 房貸逾放比 ■ ↑4.3%
房貸餘額

0.50%
0.41%		 0.38% 0.30% 0.27% 0.23% 0.23%
0.21%
328.3
0.81%		 330.0
335.3
0.58%
0.69%		 337.0 338.7 ↑36.8%
343.0
350.0		 SME2
317.0
351.5		 SME2
305.0
358.6		 ↑17.2%
377.9
367.3
6M10 9M10 2010 3M 11 6M11 9M11 2011 3M12 6M12 9M12
2012

21

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特定產業貸放集中度 - 年度比較

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----- Start of picture text -----

2012 年底特定貸放產業佔比
總放款 [1 ] 餘額 : NT$1,438.4 bn
非製造業
70.6%
製造業
29.4% 批發零售
10.0%
電子資訊
8.3%
運輸倉儲
太陽能 面版 金屬 6.1%
1.23% 1.78% 5.3%
DRAM 不動產
0.54% 5.9%
塑化 餐飲旅館
6.6%
1.1%
----- End of picture text -----

  1. 總放款不含催收款

22

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一銀淨手續費結構

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----- Start of picture text -----

2012 累積淨手續費收益 (in NT$ mn or %) 累積淨手續費收益佔比
項目 2011 2012 變動
4,931
財富管理 [1 ] 43.5% 45.2% +1.7%
19.1% 17.7% -1.4%
+2.2% 外幣
4,826
其他 [2 ] 14.3% 13.3% -1.0%
放款相關 16.6% 16.8% +0.2%
信用卡 6.5% 7.0% +0.5%
2011 2012
累積淨手續費收益 100.0% 100.0%
淨手續費收益
2012 ( in NT$ mn )
累積淨手續費佔比
↑6.1%
↑3.6% ↓5.5%
2,228
2,100
↑10.2%
↓ 23.7% 799 828 924 873 345 690 657
313
↑3.0%
2011 2012 2011 2012 2011 2012 2011 2012 2011 2012
財富管理 [1 ] 放款相關 外幣 信用卡 其他 [2 ]
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  1. 財富管理手收 = 保管費手收 + 信託手收 + 銀行保險手收

  2. 其他為含海外分行在內之通路手續費

23

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一銀營業費用比率

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----- Start of picture text -----

2012 一銀營業費用 (in NT$ mn ) 營業費用比率分析
項目 2011 2012 變動
15,755
淨收益 100.0% 100.0%
15,481 +1.8% 營業費用 - 50.1% - 46.7% -3.4%
呆帳費用 -17.1% -17.2% +0.1%
所得稅 -4.9% -5.4% +0.5%
2011 2012
淨利 27.9% 30.7% +2.8%
營業費用
季度營業費用 & 營業費用佔比 ( in NT$ mn or % )
淨收益 營業費用 營業費用比率
53.48% 51.68% 51.03% 48.74% 47.89% 49.31% 50.06% 46.39% 43.98% 44.96% 46.67%
9,400
7,451 7,503 7,519 7,967 8,167 7,271 8,299 8,302 7,755
6,499
3,524 3,620 3,694 3,665 3,751 4,248 3,817 3,850 3,935 3,904 4,066
2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12
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  1. 累積營業費用比率

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資本適足率與核心資本

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----- Start of picture text -----

金控集團資本適足率
現增
NTD 16.4 bn
CAR
126.23%
120.19% [123.71%] 119.69% 123.00%
117.99% 117.05%
115.14%
111.50%
109.54%
103.60%
st atutory CAR 100%
一銀資本適足率與第一類資本
現增
NTD 15 bn
CAR
11.57%
10.80% 10.75% 10.88% 10.91% 11.01% 10.01% 10.36% 10.14% 10.94% 10.44%
Tier 1
8.28% 8.23% 8.47%
7.30% 7.03% 7.10% 7.08% 7.45% 7.13% 7.00% 6.82%
2H07 1H08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12
2H 07 1H 08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12
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  • 金控公司法定上限 : 雙重槓桿 < 125% ; 債務比 < 30%

  • •2H12 為自結數

25

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2012年 資產品質

26

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第一銀行 2012 年資產品質

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----- Start of picture text -----

逾期放款，提存，覆蓋率 (in NT$ mn or % )
覆蓋率 逾放比 逾放 呆帳提存準備
248.97%
238.38%
217.90% 211.76% 207.78%
174.03%
161.44%
123.69%
112.58%
放款覆蓋率 (LLR)
1.17%
1.09%
1.07% [1.11%] 1.04%
0.84%
0.77%
0.60%
0.55%
0.47% 0.44% 0.47% 0.50% 0.44%
11,877 12,589 15,992
12,774 13,064 13,886 14,443 14,077 14,782
10,550 10,178
7,912 7,507 6,373 6,059 6,648 7,114 6,423
2010 3M 11 6M11 9M11 2011 3M12 6M12 9M12 2012
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一銀逾期放款分類表

4Q11
1Q12
2Q12
3Q12
4Q12
個人放款1
0.34%
0.34%
0.30%
0.31%
0.25%
房貸
0.30%
0.27%
0.23%
0.23%
0.21%
大企業
0.66%
0.63%
0.84%
0.77%
0.70%
中小企業
0.45%
0.41%
0.40%
0.50%
0.49%
國內
0.43%
0.41%
0.43%
0.47%
0.40%
海外
0.75%
0.66%
0.72%
0.73%
0.70%
合計
0.47%
0.44%
0.47%
0.50%
0.44%
▲

  1. 含房貸與個人放款

  2. 逾放比均不含呆帳收回

28

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一銀新增逾放款分析

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----- Start of picture text -----

2011&2012 新增逾放 (in NT$ mn ） 2012 4Q 一銀逾放 (in NT$ mn or %)
項目 2011 2012 項目 國內 海外
第 4 季初逾放額 5,665 1,449
淨新增逾放 (1,421) 3,493
+)4Q12- 新增逾放 (72) 63
總放款 1,360,681 1,445,174
-)4Q12 – 轉銷呆帳 (536) (146)
比率 (0.1%) 0.24% 第 4 季末逾放額 5,057 1,366
季度新增逾放 ( in NT$ mn or %)
轉銷數 新增逾放 新增逾放 / 總放款
0.28%
0.15%
-0.09% -0.05% -0.15% 0.01% -0.11% 0.01% 0.00% 0.00% 0.09% 0.00%
3,166
2,405 2,137
1,548
1,337
989 992 949 532 161 868 525 120 831 342 28 871 682
(174) (303) (9)
(641)
(1,081)
(1,398)
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12
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海外及中國布局

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一銀海外與大中華區獲利

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----- Start of picture text -----

2012 累積大中華與海外稅前獲利 ( in NT$ mn ) 累積稅前獲利佔比 ( in NT$ mn or %)
2012 大中華區域獲利佔比為 OBU(82%), 香港 (15%), 上海 (1%) 及 澳門 (2%) 項目 2012 %
大中華 海外全部 4,500
大中華稅前獲利 2,907 64.6%
2,762 其他海外稅前獲利 1,593 35.4%
2,907 總計海外稅前獲利 4,500 100.0%
+165%
1,098
2011 2012
季度海外地區稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
35.7% 37.6% 37.7% 36.9%
30.5% 28.7% 30.6% 27.3%
22.2%
20.2%
11.7%
3,076 3,160 3,470 4,214
2,088 2,572 2,374 2,525 2,749
1,167 1,381 1,759
-7.6% 470 794 645 771 836 1,071 1,223 1,669 1,040 568
(89) 85
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12
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中國布局

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----- Start of picture text -----

租賃業務獲利 - 2012 累積稅前獲利 (in RMB ‘000)
蘇州租賃 2012 稅前獲利 (in RMB ‘000) 成都租賃 2012 稅前獲利 (in RMB ‘000)
總放款
總放款
RMB 226 mn
RMB 130 mn
5,103
3,236
蘇州租賃 2012 成都租賃 2012
2011 年 3 月開業 2012 年 1 月開業
上海分行稅前獲利及放款餘額 (in NT$ mn & USD ‘000 ) 摘要
稅前獲利 (in NT$ mn) 總放款 (in USD’000) 88,847  上海分行人民幣業
67,209 務自 2013/1/15 起開
辦
30,928
16,554
11,205
 成都分行 & 河南村
47 30 鎮銀行等待核可
47 41
18
2011 全年 3M12 6M12 9M12 2012 全年
2010 年 12 月開業
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附件

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第一金控合併損益表

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FFHC Consolidated Income Statement Summary in NT$ million, NT$, or %

in NT$ million, NT$, or %
Full Year Results 2012 Quarterly
Year-over-Year Comparison
2009
2010
2011
28,876
29,030
34,166
(11,935)
(9,500)
(12,083)
16,941
19,530
22,083
5,529
6,328
6,203
(208)
1,893
0
3,167
168
1,111
517
789
694
(20)
59
11
106
234
132
0
3
305
1,430
853
3,235
2,525
1,469
12,631
13,426
10,476
29,573
32,956
32,559
(10,621)
(5,491)
(5,347)
37
(1,889)
(36)
(15,984)
(16,588)
(17,970)
0
0
0
3,005
8,987
9,206
(316)
(2,025)
(1,735)
2,689
6,962
7,471
0
0
0
0
0
0
2,689
6,962
7,471
0.43
1.02
1.08
2,779
7,032
7,602
(90)
(70)
(131)		 Q1
Q2
Q3
Q4
9,084
9,135
9,224
9,307
(3,171)
(3,076)
(3,116) (3,488)
5,913
6,059
6,109
5,818
1,471
1,562
1,328
1,576
34
(403)
117
956
663
171
418
274
117
72
325
(235)
0
1
0
(1)
37
104
58
59
0
0
0
0
80
222
124
225
701
1,928
530
159
3,102
3,658
2,900
3,013
9,016
9,716
9,009
8,831
(982)
(1,253)
(1,653) (2,002)
(11)
323
(13)
(955)
(4,400)
(4,539)
(4,544) (4,500)
0
0
0
0
3,623
4,247
2,798
1,375
(606)
(644)
(402)
(267)
3,017
3,603
2,396
1,109
0
0
0
0
0
0
0
0
3,017
3,603
2,396
1,109
0.39
0.43
0.29
0.14
2,995
3,661
2,372
1,153
22
(58)
24
(44)		 2011 2012 Change
Interest income
Less: Interest expenses
Net interest income
Net service fee & commission
Net Insurance revenue
Gain on financial assets measured
at fair value through P/L
Gain on AFS financial assets
Gain on HTM financial assets
Income from equity invest.
Real estate investment gain
Net gain on F/X
Others
Net non-interest income
Net revenues
Provision for credit losses
Reserve for insurance
Operating expenses
Other expenses
Income from continued op. before tax
Income tax expenses
Income from continued op. after tax
Income from discountinued op., net of tax
Cummulative effect of change
in accounting principle
Consolidated net income
EPS1(NT$)
Net income attributable to parent
Minority interests		 34,166
(12,083)
22,083
6,203
0
1,111
694
11
132
3
853
1,469
10,476
32,559
(5,347)
(36)
(17,970)
0
9,206
(1,735)
7,471
0
0
7,471
1.08
7,602
(131)		 36,750
(12,851)
23,899
5,937
704
1,526
279
0
258
0
651
3,318
12,673
36,572
(5,890)
(656)
(17,983)
0
12,043
(1,919)
10,125
0
0
10,125
1.25
10,181
(56)		 7.6%
6.4%
8.2%
-4.3%
--
37.4%
-59.8%
-100.0%
95.5%
--
-23.7%
125.9%
21.0%
12.3%
10.2%
-1722.2%
0.1%
--
30.8%
10.6%
35.5%
--
--
35.5%
15.7%
--
--
  1. EPS is adjusted retroactively for stock dividends

34

第一金控非合併損益表

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FFHC Non-consolidated Income Statement Summary in NT$ million, NT$, or %

Full Year Results 2012 Quarterly 2012 Quarterly Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2009 2010 2011 Q1 Q2 Q3 Q4 2011 2012 Change
Operating revenues
Income from long-term investment 3,202 7,299 8,857 3,086 3,576 2,425 1,555 8,857 10,642 20.2%
Other income1 258 222 238 5 234 8 5 238 252 5.9%
Total revenues 3,460 7,521 9,095 3,091 3,810 2,433 1,560 9,095 10,894 19.8%
Loss from long-term investment (94) (73) (992) (0) (46) 33 (324) (992) (337) 66.0%
Operating expenses (188) (215) (235) (60) (66) (59) (45) (235) (230) 2.1%
Other expenses and losses (141) (205) (228) (36) (37) (36) (36) (228) (145) 36.4%
Income from continued op. before tax 3,038 7,027 7,641 2,995 3,661 2,372 1,153 7,641 10,181 33.2%
Income from continued po. after tax 2,779 7,032 7,602 2,995 3,661 2,372 1,153 7,602 10,181 33.9%
Income from discontinued op., net of tax 0 0 0 0 0 0 0 0 0 --
Net income 2,779 7,032 7,602 2,995 3,661 2,372 1,153 7,602 10,181 33.9%
EPS2(NT$) 0.43 1.02 1.08 0.39 0.43 0.29 0.14 1.08 1.25 15.7%
  1. Including income other than long-term investment 2. EPS is adjusted retroactively for stock dividends

35

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第一金控資產負債表

in NT$ million or million shares
2009
2010
2011
olidated Balance Sheet Data
investment
99,598
106,075
127,331
-consolidated assets
107,434
119,493
135,716
lities
6,371
13,496
8,999
reholders' equity
101,063
105,997
126,717
ed Balance Sheet Data
solidated assets
1,960,078
2,048,867
2,080,970
lities
1,858,208
1,942,118
1,953,609
reholders' equity
101,870
106,749
127,361
s shareholders' equity
101,063
105,997
126,717
interests
807
752
644
hares outstanding
63,189
64,768
76,654
Full Year Results		 Q1
Q2
Q3
Q4
2011
2012
Change
135,578
136,409
139,040
140,172
127,331
140,172
10.1%
140,014
143,286
142,710
143,786
135,716
143,786
5.9%
9,058
12,213
9,092
9,114
8,999
9,114
1.3%
130,956
131,073
133,618
134,672
126,717
134,672
6.3%
2,091,317
2,095,331
2,086,512 2,119,321
2,080,970
2,119,321
1.8%
1,959,703
1,963,651
1,952,263 1,984,071
1,953,609
1,984,071
1.6%
131,614
131,680
134,248
135,251
127,361
135,251
6.2%
130,956
131,086
133,618
134,672
126,717
134,672
6.3%
658
594
630
579
644
579
--
76,654
76,654
81,254
81,254
76,654
81,254
6.0%
2012 Quarterly
Year-over-Year Comparison		 Q1
Q2
Q3
Q4
2011
2012
Change
135,578
136,409
139,040
140,172
127,331
140,172
10.1%
140,014
143,286
142,710
143,786
135,716
143,786
5.9%
9,058
12,213
9,092
9,114
8,999
9,114
1.3%
130,956
131,073
133,618
134,672
126,717
134,672
6.3%
2,091,317
2,095,331
2,086,512 2,119,321
2,080,970
2,119,321
1.8%
1,959,703
1,963,651
1,952,263 1,984,071
1,953,609
1,984,071
1.6%
131,614
131,680
134,248
135,251
127,361
135,251
6.2%
130,956
131,086
133,618
134,672
126,717
134,672
6.3%
658
594
630
579
644
579
--
76,654
76,654
81,254
81,254
76,654
81,254
6.0%
2012 Quarterly
Year-over-Year Comparison		 Q1
Q2
Q3
Q4
2011
2012
Change
135,578
136,409
139,040
140,172
127,331
140,172
10.1%
140,014
143,286
142,710
143,786
135,716
143,786
5.9%
9,058
12,213
9,092
9,114
8,999
9,114
1.3%
130,956
131,073
133,618
134,672
126,717
134,672
6.3%
2,091,317
2,095,331
2,086,512 2,119,321
2,080,970
2,119,321
1.8%
1,959,703
1,963,651
1,952,263 1,984,071
1,953,609
1,984,071
1.6%
131,614
131,680
134,248
135,251
127,361
135,251
6.2%
130,956
131,086
133,618
134,672
126,717
134,672
6.3%
658
594
630
579
644
579
--
76,654
76,654
81,254
81,254
76,654
81,254
6.0%
2012 Quarterly
Year-over-Year Comparison		 Q1
Q2
Q3
Q4
2011
2012
Change
135,578
136,409
139,040
140,172
127,331
140,172
10.1%
140,014
143,286
142,710
143,786
135,716
143,786
5.9%
9,058
12,213
9,092
9,114
8,999
9,114
1.3%
130,956
131,073
133,618
134,672
126,717
134,672
6.3%
2,091,317
2,095,331
2,086,512 2,119,321
2,080,970
2,119,321
1.8%
1,959,703
1,963,651
1,952,263 1,984,071
1,953,609
1,984,071
1.6%
131,614
131,680
134,248
135,251
127,361
135,251
6.2%
130,956
131,086
133,618
134,672
126,717
134,672
6.3%
658
594
630
579
644
579
--
76,654
76,654
81,254
81,254
76,654
81,254
6.0%
2012 Quarterly
Year-over-Year Comparison
2011 2012 Change
Non-cons
Long-term
Total non
Total liabi
Total sha
Conolidat
Total con
Total liabi
Total sha
Parent'
Minority
Current s		 127,331
135,716
8,999
126,717
2,080,970
1,953,609
127,361
126,717
644
76,654		 140,172
143,786
9,114
134,672
2,119,321
1,984,071
135,251
134,672
579
81,254		 10.1%
5.9%
1.3%
6.3%
1.8%
1.6%
6.2%
6.3%
--
6.0%

*figures may not match due to rounding

36

==> picture [180 x 31] intentionally omitted <==

第一金控主要財務比率

FFHC Key Ratios

HC HC HC HC HC HC HC HC HC HC
K e
2009
2010
2011
0.14%
0.35%
0.36%
2.66%
6.67%
6.38%
15.99
16.37
16.53
63,189
64,768
76,654
102.43%
103.77%
103.58%
119.69%
117.99%
123.00%
5.93%
11.29%
6.63%
Full Year Results		 3M
6M
9M
12M
2011
2012
Change
0.58%
0.64%
0.58%
0.48%
0.36%
0.48%
33.3%
9.37%
10.22%
9.19%
7.75%
6.38%
7.75%
21.5%
17.08
17.10
16.44
16.57
16.53
16.57
0.2%
76,654
76,654
81,254
81,254
76,654
81,254
6.0%
103.53%
104.07%
104.06%
104.08%
103.58%
104.08%
0.5%
123.00%
117.05%
124.35%
126.23%
123.00%
126.23%
2.6%
6.47%
8.52%
6.37%
6.34%
6.63%
6.34%
-4.4%
Year-over-Year Comparison
2012 Quarterly
2011 2012 Change
Afte
Afte
Boo
Ca
Do
Gro
De		 r-ta
r-ta
k P
pital
uble
up
bt R		 x
x
e

l
C
a		 R
R
r
St
e
A
ti		 O
O
S
oc
ve
R
o3		 AA (Annualized ratio)
AE (Annualized ratio)
hare
k
rage1
2		 0.36%
6.38%
16.53
76,654
103.58%
123.00%
6.63%		 0.48%
7.75%
16.57
81,254
104.08%
126.23%
6.34%		 33.3%
21.5%
0.2%
6.0%
0.5%
2.6%
-4.4%

  1. Double leverage ratio = Long-term investment / Equity

  2. Updated semi-annually.

  3. Non-consolidated basis.

37

==> picture [180 x 31] intentionally omitted <==

第一銀行損益表

FB Income Statement Summary in NT$ million or %

第一銀行損益表 第一銀行損益表 第一銀行損益表 第一銀行損益表 第一銀行損益表 第一銀行損益表
F
in		 Inc
NT$		 ome Statement Summary
million or %
Ne


 t reve
Net in
Net fe
Net ga		 nue
terest income
e income
in on ST invest.		 2009
2010
2011
16,011
18,179
20,761
4,071
4,921
4,826
564
531
440
Full Year Results		 Q1
Q2
Q3
Q4
2011
2012
Change
5,597
5,777
5,825
5,804
20,761
23,003
10.8%
1,175
1,292
1,115
1,349
4,826
4,931
2.2%
73
22
235
(168)
440
162
-63.2%
Year-over-Year Comparison
2012 Quarterly
2012 Change
23,003
4,931
162		 10.8%
2.2%
-63.2%
Net ga in on LT invest. 371
303
462		 147
121
341
25
462		 634 37.2%


Net ga
Bad d
Other
Net re
eratin
ovisio
ome
Incom
ome
mmu
in acc
t inco		 in on other fin. products
ebts recovery
net income
venue
g expenses
n
before tax
e tax
after tax
lative effect of change
ounting principle
me		 2,463
1,681
2,581
2,672
2,005
2,402
291
209
(548)
26,443
27,829
30,924
(13,807)
(14,200)
(15,481)
(10,621)
(5,429)
(5,301)
2,015
8,201
10,142
38
(1,862)
(1,517)
2,054
6,339
8,625
0
0
0
2,054
6,339
8,625		 705
532
432
471
2,581
565
1,214
327
309
2,402
36
443
27
(35)
(548)
8,298
9,401
8,302
7,755
30,924
(3,849)
(3,936)
(3,904)
(4,066)
(15,481)
(979)
(1,250)
(1,650)
(1,930)
(5,301)
3,470
4,214
2,749
1,759
10,142
(561)
(613)
(379)
(264)
(1,517)
2,909
3,601
2,370
1,495
8,625
0
0
0
0
0
2,909
3,601
2,370
1,495
8,625		 2,140
2,415
471
33,756
(15,755)
(5,809)
12,192
(1,817)
10,375
0
10,375		 -17.1%
0.5%
--
9.2%
1.8%
9.6%
20.2%
19.8%
20.3%
--
20.3%
Op
Pr
Inc

Inc
Cu

Ne
bject to final Reviewed

38

==> picture [180 x 31] intentionally omitted <==

第一銀行資產負債表

~~FB Balance Sheet Summary~~ in NT$ million or %

第一銀行資產負債表 第一銀行資產負債表 第一銀行資產負債表
~~F~~ ~~Balance Sheet Summary~~

39

==> picture [180 x 31] intentionally omitted <==

第一銀行主要財務比率

FB Key Ratios

第一銀行主要財務比率 第一銀行主要財務比率 第一銀行主要財務比率 第一銀行主要財務比率 第一銀行主要財務比率
Ke y Ratios
F
deposit spread
rest Margin
ncome ratio
deposit ratio1
o
e ratio		 2009
2010
2011
1.25%
1.41%
1.41%
0.95%
1.02%
1.10%
52.21%
51.03%
50.06%
76.34%
78.14%
84.72%
1.32%
0.84%
0.47%
84.75%
112.58%
217.90%
11.01%
10.36%
10.94%
7.45%
7.00%
8.28%
0.11%
0.32%
0.43%
2.29%
6.82%
8.12%
Full Year Results		 3M
6M
9M
12M
2011
2012
Change
1.45%
1.47%
1.48%
1.49%
1.41%
1.49%
0.08%
1.18%
1.20%
1.20%
1.21%
1.10%
1.21%
0.11%
46.39%
43.98%
44.96%
46.67%
50.06%
46.67%
-3.39%
86.05%
88.28%
88.71%
89.49%
84.72%
89.49%
4.77%
0.44%
0.47%
0.50%
0.44%
0.47%
0.44%
-0.03%
238.38%
211.76%
207.78%
248.97%
217.90%
248.97%
31.07%
10.94%
10.44%
11.38%
11.57%
10.94%
11.57%
0.63%
8.28%
8.23%
8.32%
8.47%
8.28%
8.47%
0.19%
0.57%
0.64%
0.59%
0.51%
0.43%
0.51%
18.60%
9.80%
10.92%
9.81%
8.58%
8.12%
8.58%
5.67%
2012 Quarterly
Year-over-Year Comparison
2012 Change
Lo
Ne
Co
Lo
NP
Co
CA
Tie
RO
RO		 an to
t Inte
st to i
an to
L rati
verag
R
r-1
AA2
AE2		 1.49%
1.21%
46.67%
89.49%
0.44%
248.97%
11.57%
8.47%
0.51%
8.58%		 0.08%
0.11%
-3.39%
4.77%
-0.03%
31.07%
0.63%
0.19%
18.60%
5.67%
1.
2.		 to depoist ratio = total loan / total deposit
alized figures.
and Tier 1 updated semi-annually.
  1. Loan to depoist ratio = total loan / total deposit 2. Annualized figures. 3. CAR and Tier 1 updated semi-annually.

40

==> picture [180 x 31] intentionally omitted <==

第一銀行放款品質

FB NPL Migration in NT$ million or %

Full Year Resu 2012 Quarterly 2012 Quarterly Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2009 2010 2011 Q1 Q2 Q3 Q4 2011 2012 Change
NPL- beginning 16,916 14,615 10,550 6,373 6,059 6,648 7,114 10,550 6,373 -39.6%
Net new NPL influx 4,776 1,270 (1,421) 28 2,137 1,337 (9) (1,421) 3,493 --
Net write-offs (7,077) (5,335) (2,756) (342) (1,548) (871) (682) (2,756) (3,443) 24.9%
NPL- ending balance 14,615 10,550 6,373 6,059 6,648 7,114 6,423 6,373 6,423 0.8%
Allowance for loan loss- beginning 9,365 12,386 11,877 13,886 14,443 14,077 14,782 11,877 13,886 16.9%
Provisions for loan loss 10,151 5,273 4,825 962 1,235 1,630 1,878 4,825 5,705 18.2%
Net write-offs (7,077) (5,335) (2,756) (342) (1,548) (871) (682) (2,756) (3,443) 24.9%
Others (53) (447) (60) (63) (53) (54) 14 (60) (156) 160.0%
Allowance for loan loss- ending 12,368 11,877 13,886 14,443 14,077 14,782 15,992 13,886 15,992 15.2%
NPL ratio 1.32% 0.84% 0.47% 0.44% 0.47% 0.50% 0.44% 0.47% 0.44% 0.0%
Coverage ratio 84.75% 112.58% 217.90% 238.38% 211.76% 207.78% 248.97% 217.90% 248.97% 31.1%
  1. Non-consolidated basis

41

第一金證券營運報告

==> picture [180 x 31] intentionally omitted <==

First Sec Financial Results Summary

第一金證券營運報告 第一金證券營運報告 第一金證券營運報告 第一金證券營運報告 第一金證券營運報告 第一金證券營運報告
Fi r st Sec Financial Results Summary
u uy
in NT$ million or % 2009
2010
2011
986
919
804
305
420
408
31
44
43
1,008
457
(620)
Full Year Results		 Q1
Q2
Q3
Q4
2011
2012
Change
204
142
155
158
804
659
-18.0%
69
74
69
69
408
281
-31.1%
20
31
5
23
43
79
83.7%
109
(87)
8
(67)
(620)
(37)
94.0%
Year-over-Year Comparison
2012 Quarterly
2012
Fi
To



 r
ta
B
N
U
P		 st Se
l ope
roker
et inte
nderw
riciple		 c Income Statement Summary
rating income
age commission
rest income
riting commission
transaction gains, net		 659
281
79
(37)


To
No
In
In
Cu
Ne
Fi
To
To
To
Fi
R
R
Br
M		 O
T
ta
n
co
co
m
t
r
ta
ta
ta
r
O
O
o
ar		 ther o
otal o
l ope
-oper
me b
me ta
mul
incom
st Se
l ass
l liab
l sha
st Se
AE (An
AA (An
kerag
gin lo		 perating income
perating income
rating expenses
ating income
efore tax
x
ative effect of change in accounting principles
e
c Balance Sheet Summary
ets
ilities
reholers' equity
c Key Ratios
nualized)
nualized)
e market share
an market share		 31
96
98
2,361
1,936
733
(1,443)
(1,422)
(1,476)
87
124
(14)
1,005
638
(759)
(93)
(54)
(71)
0
0
0
912
584
(830)
17,564
20,804
16,809
10,402
13,258
10,268
7,162
7,546
6,541
13.58%
7.94%
-11.78%
5.73%
3.04%
-4.74%
1.77%
1.66%
1.52%
2.09%
2.07%
1.99%		 2
82
76
27
98
404
242
313
210
733
(335)
(335)
(343)
(361)
(1,476)
25
11
21
(36)
(14)
94
(82)
(9)
(187)
(759)
(8)
9
7
9
(71)
0
0
0
0
0
86
(73)
(2)
(178)
(830)
15,696
14,808
16,280
16,095
16,809
9,084
8,261
9,746
9,749
10,268
6,612
6,547
6,533
6,346
6,541
5.23%
0.40%
0.23%
-1.02%
-11.78%
2.12%
0.16%
0.09%
-2.59%
-4.74%
1.61%
1.46%
1.59%
1.62%
1.52%
2.08%
1.95%
1.96%
1.99%
1.99%		 187
1,169
(1,374)
21
(184)
17
0
(167)
16,095
9,749
6,346
-2.59%
-1.02%
1.62%
1.99%

42

第一金投信營運報告

==> picture [180 x 31] intentionally omitted <==

FSITC Income Statement Summary in ~~NT$ million or %~~


i		 FSIT
n~~N~~		 IT
 C Income Statement Summary
 C Income Statement Summary
 C Income Statement Summary
 C Income Statement Summary
 C Income Statement Summary
 C Income Statement Summary
~~T~~
2009
2010
2011
433
506
499
2
3
2
435
509
501
(288)
(332)
(375)
6
23
10
153
200
136
(1)
(34)
(24)
152
166
112
0
0
0
152
166
112
1,109
1,128
1,093
127
118
140
982
1,010
953
106,850
92,188
97,401
8
8
5
15.51%
16.63%
10.63%
14.02%
14.81%
10.06%
Full Yeart Results		 Q1
Q2
Q3
Q4
2011
2012
Change
113
112
126
128
499
479
-4.0%
0
1
0
0
2
1
-50.0%
113
113
126
128
501
480
-4.2%
(82)
(86)
(100)
(90)
(375)
(358)
-4.5%
2
1
2
4
10
9
-10.0%
33
28
28
42
136
131
-3.7%
(5)
(5)
(5)
(7)
(24)
(22)
-8.3%
28
23
23
35
112
109
-2.7%
0
0
0
0
0
0
--
28
23
23
35
112
109
-2.7%
1,152
1,057
1,099
1,143
1,093
1,143
4.6%
155
143
157
167
140
167
19.3%
997
914
942
976
953
976
2.4%
92,369
87,020
86,778
81,568
97,401
81,568
-16.3%
9
8
7
8
5
8
--
11.49%
10.92%
10.44%
11.30%
10.63%
11.30%
6.3%
9.98%
9.48%
9.03%
9.75%
10.06%
9.75%
-3.1%
Year-over-Year Comparison
2012 Quarterly
2012 Change



I
I
I










 Total
Ma
Sal
Tot
Oper
Non-
ncom
ncom
ncom
Cum
Net in
FSIT
Total
Total
Total
FSIT
AUM
AUM
ROAE
ROAA		 o
na
es
al
ati
op
e
e
e
m
c
C
as
lia
s
C
R
(
(A		 perating income
gement fee
service fee
operating income
ng expenses
erating income
before tax
tax
after tax
ulative effect of change in accounting principles
ome
Balance Sheet Summary
sets
bilities
hareholers' equity
Key Data & Ratios
anking
Annualized ratio)
nnualized ratio)		 479
1
480
(358)
9
131
(22)
109
0
109
1,143
167
976
81,568
8
11.30%
9.75%		 -4.0%
-50.0%
-4.2%
-4.5%
-10.0%
-3.7%
-8.3%
-2.7%
--
-2.7%
4.6%
19.3%
2.4%
-16.3%
--
6.3%
-3.1%
1. Non- 1. No consolidated basis
  1. Non-consolidated basis

43

==> picture [180 x 31] intentionally omitted <==

第一金人壽營運報告

First-Aviva Financial Results Summary in NT$ million or %

in N T $ million or % $ million or % $ million or % $ million or % $ million or % $ million or % $ million or %
Q1
Q2
Q3
Q4
1,564
1,054
1,710
3,014
1,232
994
1,369
2,786
8
10
11
13
324
49
331
215
(1,431)
(1,085)
(1,563)
(3,001)
(2)
(3)
(2)
(3)
(413)
58
(514)
(2,133)
(966)
(1,081)
(982)
(796)
(51)
(58)
(65)
(69)
0
0
0
0
(88)
(88)
(98)
(102)
(11)
(14)
(17)
(18)
(73)
(71)
(76)
(80)
(4)
(3)
(5)
(4)
46
(120)
49
(89)
0
0
0
0
46
(120)
49
(89)
0
0
0
0
46
(120)
49
(89)
21,522
21,378
21,936
24,198
1,343
1,212
1,286
1,181
13.85% -11.74%
-2.53%
-9.14%
0.86%
-0.70%
-0.15%
-0.50%
~~2012 Quarterly~~
2011 2012 Change
Incom
Opera
Premium
Other i
Net Inv
Opera
Reins
Reser
Claim
Comm
Others
Opera
Sales
Mana
Other e
Profit/
Non-O
Profit/
Income t
Net In
Balan
Total Ass
Total Sha
ROAE(An
ROAA(An
* FFHC c		 co
per
emiu
ther
et In
per
Rein
Res
Clai
Com
ther
per
Sale
Man
ther
rofi
on-
rofi
ome
et I
ala
tal A
tal S
OAE(
OAA(		 4,993
4,788
23
182
(4,902)
(6)
(1,128)
(3,595)
(172)
0
(359)
(56)
(287)
(16)
(268)
0
(268)
0
(268)
21,117
1,314
-18.82%
-1.29%		 7,342
6,381
42
919
(7,080)
(10)
(3,002)
(3,825)
(243)
0
(376)
(60)
(300)
(16)
(114)
0
(114)
0
(114)
24,198
1,181
-9.14%
-0.50%

44

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