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First Financial Holding Co. Ltd. Annual Report 2013

Mar 14, 2014

52222_rns_2014-03-14_275acc78-2a4e-40c0-8f9c-234cdd02f573.pdf

Annual Report

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聯昌證券 2014 投資論壇 第一金控 2013 年營運報告

Mar.3-4, 2014 紐約

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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。

2 

內容

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  • 公司簡介

  • 2013 年業務摘錄

  • 財務資料

  • 營運成果

  • 海外發展

  • 附件

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公司簡介

第一金控簡介

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  • 成立於1899年, 第一銀行( “ FCB ” ) ” ” 具有廣大知

  • 名度, 也是台灣習稱 三商銀 之一, 旗下分行據 ,

  • 點廣布台灣及海外各處 見證了台灣經濟起飛之 .

  • 歷史

  • 第一金控, 以第一銀行為其主要旗艦子公 司,於 2003年正式成立 .

    • 金控旗下現有證券,投信,人壽及其他 子公司,除提供客戶全方位金融服務外 , 仍持續尋找適合標的購併或納入事業 .

    • 版圖

  • 存款市佔率 5.7% 2013/12/31

  • 放款市佔率 6.1%

  • 金控資產排名 第 9

  • 中小企業放款 第 1

  • 購屋房貸 第 6

  • 進出融資 第 3

  • 基金銷售 第 4

  • 保管業務市佔率 第 2

  • 分行家數 190 國內 /25 海外

財務摘要

$mn, except per
share amounts		 2010 2011 2012 2013
淨收益 32,956 32,559 36,659 36,314
淨利 6,962 7,471 10,118 10,866
EPS 0.96 1.01 1.25 1.26
ROAE 6.67% 6.38% 7.73% 7.94%

1H2013 績效

in NT$ mn
淨利 10,650
淨利 126
淨利 102
淨利 (24)

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第一銀行
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第一金證券
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第一金投信
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第一金人壽
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第一金控股權結構

政府(直接21.07%;間接: 7.45%) 28.52%
 其他: 51.60%
5
外國機構法人:
19.88%
基準日：2013/8/6

第一金控海外據點

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蘇州

This wide distribution network has allowed First Commercial to capture significant market share in lending, deposit and other banking services.

6

第一金控競爭優勢

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中小企業
放款業務 1. 企業金融導向
2. 深耕中小企業
傲視群倫
領先業界之
資產品質 均衡之海
銷售平台
外佈局
1. 授信部位分散 控管得宜 廣大之顧客基礎 1. 銀行 , 租賃及村鎮銀行據
2. 由產業之水平與垂直 點形成大中華業務平台
面管控風險 2. 亞太市場價值鏈
資金成本
相對低廉 1. 存款通路密集，資金取得容易
2. 跨界整合行銷
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同業比較

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In NT billion/ market share

存款 – 台灣排名第 6

放款 – 台灣排名第 5

Source: Financial Supervision Commission, Banking Bureau

Data as of 2013/12/31

中小企業放款 – 台灣排名第 1

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基金銷售 – 台灣排名第 4
206
126 124
101
Chinatrust Fubon Hua Nan First Bank
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2013全年業務摘錄

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2013全年業務摘錄

  • 子公司第一銀行榮獲銀行家雜誌評選為“ 2013 年台灣最佳銀行

  • :

  • 國內市場逐步回復獲利貢獻成長 ，

  • 受惠於銀行核心獲利之穩健成長與虧轉盈之非銀行業務 鞏固集團

  • 2013年獲利

  • :

  • 海外市場之復甦帶動量與利的同步成長模式 漸入佳境之歐美市場協助帶動外幣放款需求及相關產品銷售 東南亞及大中華市場成為快速成長之地區

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一銀核心獲利(淨利收與手續費收益)趨勢
及外幣放款分析
一銀淨利收 , 手續費收益 (NT$ mn )
淨利收 手續費收益 核心獲利合計
7,867
7,688
7,387 7,264 7,444
6,039 6,065 6,132 6,267 6,401
1,348 1,199 1,312 1,421 1,466
4Q12 1Q13 2Q13 3Q13 4Q13
(NT$ mn o)
外幣放款及海外分行放款增長趨勢 海外分行放款餘額
外幣放款餘額
46.8%
海外分行放款餘額佔全體外幣放款比率 (%)
44.1%
43.1%
42.5% 43.4%
273.2 293.0
264.6 260.2 267.3
110.7 115.9 117.7 124.9 137.2
4Q12 1Q13 2Q13 3Q13 4Q13
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2013年財務資料

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2013 年主要財務數字


2013
10,8661
2,267,853
1.26
16.26
86,535
7.94%
0.49%
122.72%
103.37%
YoY %
7.4%
7.0%
0.8%
-1.3%
6.5%
2.7%
2.1%
-2.3%
-0.7%
2012
10,1181
2,118,538
1.25
16.48
81,254
7.73%
0.48%
125.55%
104.11%
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
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
2013獲利組合1( in NT$ mn)
2013
10,8661
2,267,853
1.26
16.26
86,535
7.94%
0.49%
122.72%
103.37%
YoY %
7.4%
7.0%
0.8%
-1.3%
6.5%
2.7%
2.1%
-2.3%
-0.7%
2012
10,1181
2,118,538
1.25
16.48
81,254
7.73%
0.48%
125.55%
104.11%
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
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
銀行
NT$10,650; 98.0%
證券
NT$126; 1.2%
投信
NT$102; 0.9%
其他
NT$(139);-1.3%
人壽
NT$(24); -0.2%
AMC
NT$151;1.4%

1.[依各公司管理事業群之分類方式決定應單獨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.[資本適足率每半年更新一次] 4.[雙重槓桿比率] =[股權投資] /[股東權益]

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2013年集團營運成果

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2013 年合併淨利 (in NT$ mn)
信用成本 (4,047)
保險準備 ( 397)
36,314 (4,444)
(18,829)
7.4%
↑
(2,175)
10,866
淨收益 呆帳費用 營業費用 所得稅 淨利
2012 年合併淨利 (in NT$ mn)
信用成本 (5,890)
保險準備 (656)
36,659 (6,546)
(18,084)
(1,911) 10,118
淨收益 呆帳費用 營業費用 所得稅 淨利
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2013年主要子公司*獲利表現 - 稅後淨利

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2013 年稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 7.4%
↑ 2.7%
10,866
10,650
↑232.5% ↑19.8%
FFHC (12)
Aviva (12)
126 102 151
(24)
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 金控合併
2012 年稅後淨利 — 主要子公司 (in NT$ mn)
10,375 10,118
FFHC (58)
Aviva (56)
(167) 109 (114) 126
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 金控合併
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  • 僅列示主要 5 家子公司獲利 .

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2013年營運成果

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金控與一銀獲利能力 - 稅後淨利

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金控淨利 & 年化股東權益報酬率 (in NT$ mn & %)
累積淨利 年化股東權益報酬率
10.46%
9.80% 9.20% 8.80% 9.48% 9.13%
8.26% 7.73% 7.73% 7.94%
6.38%
9,016 10,118 9,293 10,866
6,810 7,471 6,680 6,361
4,428
3,131 2,970
6M 11 9M 11 2011 3M 12 6M 12 9M 12 2012 3M 13 6M 13 9M 13 2013
一銀淨利 & 年化股東權益報酬率 (in NT$ mn & %)
累積淨利 年化股東權益報酬率
11.14%
9.52% 9.53% 8.12% 10.16% 9.73% 8.58% 9.44% 9.84% 9.49% 8.36%
10,375 10,650
8,625 8,880 8,977
7,609
6,551 6,144
4,609
2,972 2,962
6M 11 9M 11 2011 3M 12 6M 12 9M 12 2012 3M 13 6M13 9M 13 2013
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1. 含少數股權

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一銀 2013年稅前獲利
2013年累積淨收益 (in NT$ mn or %) 一銀稅前獲利佔比分析 (in %)
項目 2012 2013 Change
淨利收 74.9% 75.9% +1.0%
32,757 淨手續費收益 15.4% 16.5% +1.1%
投資收益/短投 0.5% 0.2% -0.3%
投資收益/長投 2.0% 2.2% +0.2%
32,065 +2.2% 投資收益/其他金融商品
其他		 5.7%
1.5%		 5.8%
-0.6%		 +0.1%
-2.1%
淨收益1 100.0% 100.0%
z
呆帳費用2		 -18.1% -21.6% -3.5%
2012 2013 調整:呆帳回收 +7.5% +9.7% +2.2%
累積 淨收益* 營業費用 -51.4% -49.6% +1.8%
2013年淨收益&費用比較( NT$mn ) 稅前獲利 38.0% 38.5% +0.5%
24,025 24,865 ↑3.5%
↓32.8%
4,931
5,397
↑9.5%		 2,638
5,809
2,674
7,090
↑22.1%
↑ 1.4%		 2,415
3,168
↑31.2%		 16,479 16,245
2012 2013 2012 2013 20122013 2012 2013 20122013 2012 2013
淨利收 淨手收 投資收益
呆帳費用2		 呆帳回收 營業費用

  1. 2012 與 2013 數字均依 IFRS 準則分類計算

  2. 呆帳費用不含呆帳回收

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一銀 2013年 總放款結構

% of總放款**1 **
項目
2012
2013
Change
消金放款
27.2%
28.6%
+1.4%
房貸
26.3%
27.4%
+1.1%
其他消費貸款
0.9%
1.2%
+0.3%
法金放款
72.8%
71.4%
-1.4%
企業放款
48.3%
48.1%
-0.2%
---_中小企業
36.4%
38.1%
+1.7%
外幣放款
18.1%
20.4%
+2.3%
---_海外分行
7.7%
9.6%
+1.9%
政府及公營事業放款
6.4%
2. 8%
-3.5%
總放款1
100.0%
100.0%
20122013 20122013 20122013 20122013 2012 2013
↑4.1%
↑ 12.6%
↓56.1%
Overseas
126.9
377.9
13.9
92.0
393.3
17.1
40.4
293.0
694.5
260.2
689.2
↓0.7%
中小2
523.5
中小2
545.9
海外
110.7
中小企↑4.3%
海外
137.2
2013總放款1 佔比 (in NT$ bn )
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

  1. 總放款不含催收款

  2. 中小企業放款依經濟部定義；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)
676.3
690.3
694.5
676.2
682.4
685.3
689.2
358.6
367.3
377.9
385.3
387.9
95.2
68.3
88.5
85.1
66.5
40.4
259.1
264.6
260.2
267.3
273.2
283.2
388.0
393.3
92.0
293.0
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1401.5
1403.3
1438.4
1430.6
1442.9
1438.2
1433.0
510.6
523.5
520.6
524.6
536.4
545.9
500.2
總放款
中小企業
外幣放款
政府公營事業
房貸
企業放款2		 QoQ% YoY%
+1.8% +4.3%
+3.5% +12.6%
-39% -56%
+1.4% +4.1%
+0.6% -0.7%
2Q12
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1.長條圖未包括其他消費者貸款
2.企業放款含中小企業放款

  1. 長條圖未包括其他消費者貸款

  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率

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總放款 & 存放比 (in NT$ bn or % )
89.49%
總放款 [1 ] 存放比 [2 ] 86.36% 86.05% 88.28% 88.71% 88.51% 88.29% 86.54%
84.21% 84.72%
83.47% 83.50%
78.14% 1,439.9
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 1,437.3 1,449.2 1,447.7
4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13
△
存放利差 / 淨利息收益率 (NIM) ( in % )
存放利差 [3 ] NIM [3 ]
1.52% 1.53% 1.54% 1.55%
1.47% 1.48% 1.49%
1.45%
1.41% 1.40% 1.40% 1.41%
1.36%
1.26% 1.26% 1.26% 1.26%
1.18% 1.20% 1.20% 1.21%
1.10% 1.10% 1.10%
1.07%
1.02%
4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13
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  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 )

  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
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)
2.06% 2.06% 2.09% 2.10% 2.10% 2.09% 2.10% 2.11% 2.15%
2.01% 2.06%
1.89%
1.53%
1.30% 1.36% 1.38% 1.38% 1.37% 1.40% 1.41% 1.42% 1.47% 1.48% 1.50%
0.64% 0.68% 0.68% 0.69% 0.69% 0.69% 0.68%
0.59% 0.62% 0.62% 0.61% 0.61%
1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13
一銀外幣利差及成本分析 ( in % ) 放款利率 (FX) 存款利率 (FX)
利差 (F/X)
2.49%
2.33% 2.38% 2.31% 2.43% 2.25% 2.29% 2.42% 2.38%
2.10% 2.14% 2.16%
1.97%
1.69% 1.73% 1.70% 1.74% 1.84% 1.82% 1.90% 1.74% 1.76% 1.83% 1.75%
0.64%
0.59% 0.59%
0.46% 0.54% 0.49% 0.53% 0.52% 0.51% 0.53%
0.41% 0.41%
1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13
* 以上利率均為 季度加權平均數字
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一銀房貸分析

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2013 房貸 -- 依地區別 (in %) 房貸利率 & 房貸成數比 (in %)
地區 2013 新承作房貸成數比 平均房貸成數比
北部 70% 平均房貸利率
大台北都會 54%
桃竹苗 16% 2.22% 2.20% 2.18% 2.16% 2.15% 2.15% 2.15% 2.15%
中部 10%
大台中
70.97%
南部 16% 67.01% 66.67% 66.68% 67.14% 66.82% 66.23% 65.99%
/ 51.66%
台南 高雄 48.89% 48.74% 48.87% 49.09% 48.77% 48.14% 48.00%
東部 4%
總計 100.0%
3M12 6M12 9M12 2012 3M13 6M13 9M13 2013
Mortgage NPL (in % )
↑4.3%
房貸逾放比 (in % )
房貸逾放比
0.41% 0.38% 0.30% SME [2 ] SME [2 ]
0.27% ↑17.2%
0.23% 0.23% 0.21% 317.0 305.0 0.17% 0.16%
0.17% 0.16%
2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13
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- 一銀房貸 貸放成數比分析

貸放成數比
3Q13案件數佔全部
房貸案件數比率
4Q13案件數佔全部
房貸案件數比率
<50%
51.56%
51.96%
50%~60%
14.37%
14.62%
60%~70%
16.27%
15.96%
70%~80%
15.97%
15.75%
80%~90%
1.83%
1.71%
合計
100.00%
100.00%
房貸案件貸放成數比分析 (in %)		 貸放成數比
3Q13案件數佔全部
房貸案件數比率
4Q13案件數佔全部
房貸案件數比率
<50%
51.56%
51.96%
50%~60%
14.37%
14.62%
60%~70%
16.27%
15.96%
70%~80%
15.97%
15.75%
80%~90%
1.83%
1.71%
合計
100.00%
100.00%
房貸案件貸放成數比分析 (in %)		 房貸案件貸放成數比分析總結:
- 20134Q數字較前一季更佳
-以房貸擔保品之件數為基礎
-貸放成數比均以初貸時鑑估數據為
準,未作增值調整.
-數據顯示一銀房貸案件中貸放成數
比低於5成者,佔所有房貸案件之一
半有餘,顯示房貸承作穩健保守
350.0
351.5
358.6
367.3
377.9
385.3
387.9
393.3
388.0
2011
3M12
6M12
9M12
2012
3M13
6M13
9M13
2013
房貸餘額 (in NT$ bn )
房貸餘額
■

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一銀特定產業貸放集中度

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2013 年底 - 特定貸放產業佔比
總放款餘額 [1] : NT$1,439.9 bn
製造業 (28.38%) 非製造業 (71.62%)
5.89% 塑化 餐飲旅館 1.27%
5.28% 金屬
批發零售
10.98%
7.58% 科技
1.08% 太陽能 不動產業 6.79%
1.46% TFT-LCD
運輸倉儲 6.27%
0.24% LED
海運 2.22%
0.43% DRAM
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  1. . 總放款不含催收款

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一銀2013年淨手續費結構

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2013 累積淨手續費 (in NT$ mn or %) 累積淨手續費收益佔比
項目 2012 2013 Change
5,397
財富管理 [1 ] 45.2% 46.3% +1.1%
17.7% 17.2% -0.5%
+9.5% 外幣
4,931
其他 13.3% 13.5% +0.2%
放款相關 16.8% 16.5% -0.3%
信用卡 7.0% 6.5% -0.5%
2012 2013
淨手續費收益 累積淨手續費收益 100.0% 100.0%
2013 累積淨手續費 佔比 ( in NT$ mn )
↑ 12.2%
2,499 ↑7.9% ↑6.1%
2,228
↑10.5%
↑2.3%
893
↓ 23.7% 828 873 926 726
353 657
345
↑3.0%
2012 2013 2012 2013 2012 2013 2012 2013 2012 2013
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

26

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一銀淨手續費收益 -季度比較

淨手續費收益 (in NT$mn) 淨手續費收益 (in NT$mn) 淨手續費收益 (in NT$mn) 淨手續費收益 (in NT$mn) 淨手續費收益 (in NT$mn) 淨手續費收益 (in NT$mn)
淨手續費
收益		 1,116 1,349 1,199 1,312 1,421 1,466 季成長+3.2%
145 194 203
其他* 92 164 85
165		 87 95
信用卡 183 217 86 227 228 251
外匯相關
放款相關		 218
86		 259 208
220		 222 226 237
182
財富管理 447
 636 521 613 686 680
3Q12 4Q12 1Q13 2Q13 3Q13 4Q13
  • 其他為含海外分行在內之通路手續費

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一銀2013年營業費用比率

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2013 一銀營業費用 (in NT$ mn ) 營業費用比率分析 ( in NT$ mn)
項目 2012 數字依 IFRS 重新計 2012 2013
算以作比較
16,245
淨收益 32,065 32,757
營業費用 (16,479) (16,245)
16,479
-1.4%
呆帳費用 ( 淨 ) (3,394) (3,922)
所得稅 (1,817) (1,940)
2012 2013
淨利 10,375 10,650
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 營業費用佔比
51.39% 51.53% 51.30%
50.06% 50.18% 49.49% 49.50% 49.38% 49.59%
7,271 7,921 8,314 8,180 7,650 7,672 8,101 8,715 8,269
3,817 3,975 4,061 4,050 4,393 3,953 4,138 4,002 4,152
4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13
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  • 2012 & 2013 數字依 IFRS 準則列示

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一銀2013年資產品質

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逾期放款 , 提存 , 覆蓋率 (in NT$ mn or % )
第一類放款提存比 (GP Reserve)
覆蓋率 放款覆蓋率 (LLR), 排除政府放款
261.73%
238.38% 248.97%
233.17%
211.76% 228.97%
207.78%
191.46%
1.17% 1.25% 1.22% 1.29% 1.26%
1.09%
1.01% 1.01% 1.04%
逾放比 逾放 呆帳提存準備
0.64%
0.47%
0.50% 0.50% 0.50%
0.47%
0.44% 0.44%
14,443
14,077 15,992 16,889 16,604 17,778 17,730
14,782
9,286
6,059 6,648 7,114 6,423 7,243 7,252 6,774
3M12 6M12 9M12 2012 3M13 6M13 9M13 2013
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一銀逾期放款分類表

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個人與 房貸 逾放比率 (in %) 大企業 與 中小企業 逾放比 (in %)
大企業
個人
中小企業
0.70% 0.70%
房貸 0.64% 0.64%
0.25% 0.20% 0.18% 0.18% 0.17% 0.52%
0.21% 0.17% 0.16% 0.17% 0.16% 0.49% 0.55% 0.58% 0.55%
0.30%
4Q12 1Q13 2Q13 3Q13 4Q13
4Q12 1Q13 2Q13 3Q13 4Q13
國內 & 海外 逾放比率 (in %) 全體放款逾放比 (in %)
全體放款逾放比
國內 海外
2.03%
1.09% 1.12%
1.26% 0.64%
0.70% 0.44% 0.50% 0.50% 0.47%
0.32%
0.40% 0.41% 0.40% 0.39%
4Q12 1Q13 2Q13 3Q13 4Q13
4Q12 1Q13 2Q13 3Q13 4Q13
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  1. 個人 : 包含房貸及個人非房貸 2. 均未包含呆帳回收

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TMT NTD 3.3 bn

一銀 2013年 新增逾放與呆帳收回

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季度新增逾放 (in NT$ mn ） 季度呆帳收回 (in NT$ mn)
1Q13 2Q13 3Q13 4Q13 季度呆帳收回 1Q13 2Q13 3Q13 4Q13
季度新增逾放
--- 國內 (49) 343 448 196 --- 國內 784 381 500 368
--- 海外 1,100 1,054 2,262 (13) --- 海外 83 687 148 148
---- 信用卡 20 14 17 18
小計 1,051 1,397 2,710 183 小計 887 1,083 665 534
季度新增逾放 與 轉銷數 ( in NT$ mn)
轉銷數 新增逾放金額
0.15%
0.09%
0.07%
0.00% 0.00% 0.00% 2,710 2,695
2,137
1,548 1,337 1,3881,397
1,051
871
682 676
342 231 183
28 (9)
1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13
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資本適足率與核心資本

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金控集團資本適足率
CAR
125.55%
120.19% [123.71%] 119.69% 117.99% 123.00% 117.05% 119.40% [122.72%]
115.14%
111.50%
statutory CAR 100%
一銀資本適足率與第一類資本
CAR
11.51%
10.88% 10.91% 11.01% 10.94% 11.03% 10.87%
10.01% 10.36% 10.14% 10.44%
Tier 1
8.28% 8.23% 8.41% 8.34% 8.29%
7.10% 7.08% 7.45% 7.13% 7.00% 6.82%
2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 1H13 2H13
2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 1H13 2H13
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  • 金控公司法定上限 : 雙重槓桿 < 125% ; 債務比 < 30%

  • 資本適足率每半年更新一次 . 2H13 為自結數

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股利政策

2007
2008
2009
2010
2011
2012
現金股利
1.70
0.50
0.50
0.30
0.40
0.45
股票股利
0.12
0.25
0.25
0.60
0.60
0.65
總計股利
1.82
0.75
0.75
0.90
1.00
1.10
現金股利派發率
82.9%
41.6%
113.6%
29.4%
37.0%
36.0%
1.10
0.75
1.00
0.75
0.90
1.82
1.08
0.44
1.20
1.02
2.05
1.25
2007
2008
2009
2010
2011
2012
第一金控每股盈餘與股利派發 ( in NT$ dollar )
每股盈餘
股利
年度股利政策 ( in NT$ dollar )

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海外發展

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第一金控海外拓展

蘇州

中國大陸 : 成都分行 , 上海自貿區支行 , 廈門租賃 , 5 家村鎮銀行 , 廈門分行 東南亞地區 : 柬埔寨兩家支行 , 緬甸分 行 .

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一銀 2013年海外業務盈餘

2013 一銀海外分行稅前獲利分析 ( in % )

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2013 一銀全行稅前獲利分析 ( in NT mn & %)
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17.5%; OBU
國內分行 ;
71.2%
其他地區 ;
2013 海外分行 16.9%
全行稅前獲利
58.6%; 稅前獲利 14.1%; 香港 $12,590 mn
其他海外 $3,622 mn
大中華 ;
8.5%; 上海 11.9%
1.4%; 澳門
季度海外地區稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
37.6% 34.6% 36.9%
30.6% 27.3% 30.6% 27.3% 28.8%
21.2% 19.9%
4,214 3,895 3,496
3,160 3,532 2,749 3,518
3,077
1,759 1,681
1,381
836 1071 1,223 1,669 1,040 568 745 1,280 1,447
85 150
2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13
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  • 2013 年起數字依 IFRS 準則列示

36

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中國地區租賃業務發展

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蘇州租賃公司 2013 稅前獲利與放款餘額 (in RMB)
一銀租賃 ( 蘇州 ) 累積稅前獲利 (in RMB ‘000) 租賃放款餘額 (in RMB mn)
2011 年 3 月開業 354
340
307
262
226
19,026 17,196
10,798
5,103 5,474
2012 1Q13 1H13 3Q13 2013
成都租賃公司 2013 稅前獲利與放款餘額 (in RMB )
第一金租賃 ( 成都 ) 累積稅前獲利 (in RMB ‘000) 租賃放款餘額 (in RMB mn)
405
2012 年 1 月開業 322
305
217
130
7,618
6,052
3,236 (164) 122
2012 1Q13 1H13 3Q13 2013
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  • 蘇州租賃公司為第一銀行轉投資之孫公司

  • 成都租賃公司為第一金 AMC 轉投資之子公司

37

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附件

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第一金控綜合損益表

FFHC Consolidated Statement of Income (in NT$ million or %)

FFHCCliddSf Ii NT illi % FFHCCliddSf Ii NT illi % FFHCCliddSf Ii NT illi % FFHCCliddSf Ii NT illi % FFHCCliddSf Ii NT illi % FFHCCliddSf Ii NT illi % FFHCCliddSf Ii NT illi %
onsoate tatement o ncome (n $ mon or )
Full Year Results Year-over-Year Comparison
2010
2011
2012		 2012 2013 Change
Interest income
29,030
34,166
36,544
Less: Interest expenses
(9,500)
(12,083) (12,422)
Net interest income
19,530
22,083
24,122
Net service fee & commission
6,328
6,203
5,954
Net Insurance revenue
1,893
0
695
Gain on financial assets measured
168
1,111
1,363
at fair value through P/L
Gain on AFS financial assets
789
694
360
Gain on HTM financial assets
59
11
0
Income from equity invest.
234
132
256
Real estate investment gain
0
3
0
Net gain on F/X
1,430
853
651
Others
2,525
1,469
3,258
Net non-interest income
13,426
10,476
12,537
Net revenues
32,956
32,559
36,659
Provision for credit losses
(5,491)
(5,347)
(5,890)
Reserve for insurance
(1,889)
(36)
(656)
Operating expenses
(16,588)
(17,970) (18,084)
Other expenses
0
0
0
Income from continued op. before tax
8,987
9,206
12,029
Income tax expenses
(2,025)
(1,735)
(1,911)
Income from continued op. after tax
6,962
7,471
10,118
Income from discountinued op., net of t
0
0
0
Cummulative effect of change
0
0
0		 Net interest income
24,122
Net service fee & commission
5,954
Net Insurance revenue
695
Gain on financial assets meas.
1,363
at fair value through P/L
Real estate investment gain
0
Gain on AFS financial assets
360
Gain on HTM financial assets
0
Income from equity invest.
256
Net gain on F/X
651
Assets impairment loss
0
Others
3,258
Ner Revenue
36,659
Net Provision for credit losses
(5,890)
Recovered(provided) for insurance re
(656)
Operating Expense
(18,084)
Income from continued op. before t
12,029
Income tax expenses
(1,911)
Consolidatednetincome
10,118		 25,929
6,541
688
872
47
311
(8)
12
1,367
0
458
36,314
(4,047)
(397)
(18,829)
13,041
(2,175)
10,866		 7.5%
9.9%
-1.0%
-36.0%
--
-13.6%
--
-95.3%
110.0%
--
-85.9%
-0.9%
-31.3%
39.5%
4.1%
8.4%
13.8%
7.4%
Net Income attributed to:
Parent
Minorityinterests		 10,174
(56)		 10,878
(12)		 6.9%
--
EPS1(NT$)
1.25 1.26 0.8%
in accounting principle
Consolidated net income
6,962
7,471
10,118
EPS1(NT$)
0.96
1.01
1.25
Net income attributable to parent
7,032
7,602
10,174
Minority interests
(70)
(131)
(56)
Note: 2013 data are stated in accordance with IFRS, whereas FY2010-2012 are with ROC GAAP. The same basis applied to all appendix pages.

Note: 2013 data are stated in accordance with IFRS, whereas FY2010-2012 are with ROC GAAP. The same basis applied to all appendix pages.

39

第一金控非合併損益表

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FHC Standalone Income Statement Summary n NT$ million, NT$, or %

Full Year Results 2013 Quarterly 2013 Quarterly Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2010 2011 2012 Q1 Q2 Q3 Q4 2012 2013 Change
Operating revenues
Income from long-term investment 7,299 8,857 10,641 3,058 3,320 2,998 1,731 10,641 11,107 4.4%
Other income1 222 238 252 5 210 6 5 252 226 -10.3%
Total revenues 7,521 9,095 10,893 3,062 3,532 3,003 1,737 10,893 11,334 4.0%
oss from long-term investment (73) (992) (291) (6) (2) 8 (12) (291) (12) --
Operating expenses (215) (235) (231) (58) (63) (62) (50) (231) (233) -0.9%
Other expenses and losses (205) (228) (145) (36) (36) (36) (37) (145) (145) 0.0%
ncome from continued op. before tax 7,027 7,641 10,226 2,963 3,430 2,913 1,638 10,226 10,944 7.0%
ncome from continued po. after tax 7,032 7,602 10,226 2,963 3,369 2,913 1,639 10,226 10,884 6.4%
ncome from discontinued op., net of t 0 0 0 0 0 0 0 0 0 --
et income 7,032 7,602 10,226 2,963 3,369 2,913 1,639 10,226 10,884 6.4%
PS2(NT$) 0.96 1.01 1.18 0.36 0.37 0.34 0.19 1.18 1.26 6.8%

Including income other than long-term investment . EPS is adjusted retroactively for stock dividends

40

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第一金控資產負債表

FFHC Balance Sheet Summary in NT$ million or million shares

Full Year Results Full Year Results 2013 Quarterly 2013 Quarterly 2013 Quarterly Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2010 2011 2012 Q1 Q2 Q3 Q4 2012 2013 Change
Non-consolidated Balance Sheet Data
Long-term investment 106,075 127,331 135,490 141,812 140,615 139,040 145,464 135,490 145,464 7.4%
Total non-consolidated assets 119,493 135,716 143,073 145,459 149,252 142,710 151,541 143,073 151,541 5.9%
Total liabilities 13,496 8,999 9,164 9,226 13,956 9,092 10,817 9,164 10,817 18.0%
Total shareholders' equity 105,997 126,717 133,909 136,233 135,296 133,618 140,724 133,909 140,724 5.1%
Conolidated Balance Sheet Data
Total consolidated assets 2,048,867 2,080,970 2,118,538 2,147,634 2,170,366 2,086,512 2,267,853 2,118,538 2,267,853 7.0%
Total liabilities 1,942,118 1,953,609 1,984,050 2,010,831 2,034,545 1,952,263 2,126,739 1,984,050 2,126,739 7.2%
Total shareholders' equity 106,749 127,361 134,488 136,803 135,821 134,248 141,114 134,488 141,114 4.9%
Parent's shareholders' equity 105,997 126,717 133,909 136,233 135,296 133,618 140,637 133,909 140,637 5.0%
Minority interests 752 644 579 571 525 630 477 579 477 -17.6%
Current shares outstanding 64,768 76,654 81,254 81,254 81,254 81,254 86,535 81,254 86,535 6.5%

*figures may not match due to rounding

41

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

第一金控主要財務比率

FFHC Key Ratios

2010
2011
2012
0.35%
0.36%
0.48%
6.67%
6.38%
7.73%
16.37
16.53
16.48
64,768
76,654
81,254
103.77%
103.58%
104.11%
117.99%
123.00%
125.55%
11.29%
6.63%
6.41%
Full Year Results		 3M
6M
9M
12M
2012
2013
Change
0.56%
0.60%
0.57%
0.49%
0.48%
0.49%
2.1%
8.80%
9.48%
9.13%
7.94%
7.73%
7.94%
2.7%
16.76
16.65
15.94
16.26
16.48
16.26
-1.3%
81,254
81,254
86,535
86,535
81,254
86,535
6.5%
104.09%
103.93%
103.38%
103.37%
104.11%
103.37%
-0.7%
126.26%
119.40%
122.92%
122.72%
125.55%
122.72%
-2.3%
6.34%
9.35%
7.17%
7.13%
6.41%
7.13%
11.2%
Year-over-Year Comparison
2013 Quarterly		 3M
6M
9M
12M
2012
2013
Change
0.56%
0.60%
0.57%
0.49%
0.48%
0.49%
2.1%
8.80%
9.48%
9.13%
7.94%
7.73%
7.94%
2.7%
16.76
16.65
15.94
16.26
16.48
16.26
-1.3%
81,254
81,254
86,535
86,535
81,254
86,535
6.5%
104.09%
103.93%
103.38%
103.37%
104.11%
103.37%
-0.7%
126.26%
119.40%
122.92%
122.72%
125.55%
122.72%
-2.3%
6.34%
9.35%
7.17%
7.13%
6.41%
7.13%
11.2%
Year-over-Year Comparison
2013 Quarterly		 3M
6M
9M
12M
2012
2013
Change
0.56%
0.60%
0.57%
0.49%
0.48%
0.49%
2.1%
8.80%
9.48%
9.13%
7.94%
7.73%
7.94%
2.7%
16.76
16.65
15.94
16.26
16.48
16.26
-1.3%
81,254
81,254
86,535
86,535
81,254
86,535
6.5%
104.09%
103.93%
103.38%
103.37%
104.11%
103.37%
-0.7%
126.26%
119.40%
122.92%
122.72%
125.55%
122.72%
-2.3%
6.34%
9.35%
7.17%
7.13%
6.41%
7.13%
11.2%
Year-over-Year Comparison
2013 Quarterly		 3M
6M
9M
12M
2012
2013
Change
0.56%
0.60%
0.57%
0.49%
0.48%
0.49%
2.1%
8.80%
9.48%
9.13%
7.94%
7.73%
7.94%
2.7%
16.76
16.65
15.94
16.26
16.48
16.26
-1.3%
81,254
81,254
86,535
86,535
81,254
86,535
6.5%
104.09%
103.93%
103.38%
103.37%
104.11%
103.37%
-0.7%
126.26%
119.40%
122.92%
122.72%
125.55%
122.72%
-2.3%
6.34%
9.35%
7.17%
7.13%
6.41%
7.13%
11.2%
Year-over-Year Comparison
2013 Quarterly
2012 2013 Change
Aft
Aft
Bo
Ca
Do
Gro
De		 er-tax ROAA (Annualized ratio)
er-tax ROAE (Annualized ratio)
ok Per Share
pital Stock
uble leverage1
up CAR2
bt Ratio3		 0.48%
7.73%
16.48
81,254
104.11%
125.55%
6.41%		 0.49%
7.94%
16.26
86,535
103.37%
122.72%
7.13%		 2.1%
2.7%
-1.3%
6.5%
-0.7%
-2.3%
11.2%

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

  2. Updated semi-annually. 3. Non-consolidated basis.

42

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

第一銀行損益表

FB Comprehensive Income Statement Summary(Standalone) in NT$ million or %

2010
2011
2012
Net revenue
Net interest income
18,179
20,761
23,003
Net fee income
4,921
4,826
4,931
Net gain on ST invest.
531
440
162
Net gain on LT invest.
303
498
633
Net gain on other fin. products
1,681
2,581
2,141
Bad debts recovery
2,005
2,402
2,415
Other net income
209
(584)
446
Net revenue
27,829
30,924
33,731
Operating expenses
(14,200)
(15,482)
(15,730)
Provision
(5,429)
(5,300)
(5,809)
Income before tax
8,201
10,142
12,192
Income tax
(1,862)
(1,517)
(1,817)
Income after tax
6,339
8,625
10,375
Cummulative effect of change
0
0
0
in accounting principle
Net income
6,339
8,625
10,375
Full Year Results		 2012
2013
Change
Net interest income
24,025
24,865
3.5%
Net fee income
4,931
5,397
9.5%
Net gain on ST invest.
162
76
-53.1%
Net gain on LT invest.
634
711
12.1%
Net gain on other fin. product
1,842
1,887
2.4%
Other net income
471
(179)
-138.0%
Net revenue
32,065
32,757
2.2%
Operating expenses
(16,479)
(16,245)
-1.4%
Pre-provisiion pre-tax profit
15,586
16,512
5.9%
Provision expense
(5,809)
(7,090)
22.1%
Adjustment: bad-debt recov
2,415
3,168
31.2%
Income before tax
12,192
12,590
3.3%
Income tax
(1,817)
(1,940)
6.8%
Net income
10,375
10,650
2.7%
Year-over-Year Comparison		 2012
2013
Change
Net interest income
24,025
24,865
3.5%
Net fee income
4,931
5,397
9.5%
Net gain on ST invest.
162
76
-53.1%
Net gain on LT invest.
634
711
12.1%
Net gain on other fin. product
1,842
1,887
2.4%
Other net income
471
(179)
-138.0%
Net revenue
32,065
32,757
2.2%
Operating expenses
(16,479)
(16,245)
-1.4%
Pre-provisiion pre-tax profit
15,586
16,512
5.9%
Provision expense
(5,809)
(7,090)
22.1%
Adjustment: bad-debt recov
2,415
3,168
31.2%
Income before tax
12,192
12,590
3.3%
Income tax
(1,817)
(1,940)
6.8%
Net income
10,375
10,650
2.7%
Year-over-Year Comparison		 2012
2013
Change
Net interest income
24,025
24,865
3.5%
Net fee income
4,931
5,397
9.5%
Net gain on ST invest.
162
76
-53.1%
Net gain on LT invest.
634
711
12.1%
Net gain on other fin. product
1,842
1,887
2.4%
Other net income
471
(179)
-138.0%
Net revenue
32,065
32,757
2.2%
Operating expenses
(16,479)
(16,245)
-1.4%
Pre-provisiion pre-tax profit
15,586
16,512
5.9%
Provision expense
(5,809)
(7,090)
22.1%
Adjustment: bad-debt recov
2,415
3,168
31.2%
Income before tax
12,192
12,590
3.3%
Income tax
(1,817)
(1,940)
6.8%
Net income
10,375
10,650
2.7%
Year-over-Year Comparison
2013 Change
24,865
5,397
76
711
1,887
(179)
32,757
(16,245)
16,512
(7,090)
3,168
12,590
(1,940)
10,650		 3.5%
9.5%
-53.1%
12.1%
2.4%
-138.0%
2.2%
-1.4%
5.9%
22.1%
31.2%
3.3%
6.8%
2.7%
Other items
(222)
Comprehensive income
10,153		 1,090
11,740		 ---
15.6%
  • 2012&2013 are stated in accordance with IFRS.

43

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

第一銀行主要財務比率

FB Key Ratios

Loan to deposit spread
Net Interest Margin
Cost to income ratio4
Loan to deposit ratio1
NPL ratio
Coverage ratio
CAR
Tier-1
ROAA2
ROAE2		 2010
2011
2012
1.41%
1.41%
1.49%
1.02%
1.10%
1.21%
51.03%
50.06%
51.39%
78.14%
84.72%
89.49%
0.84%
0.47%
0.44%
112.58%
217.90%
248.97%
10.36%
10.94%
11.51%
7.00%
8.28%
8.41%
0.32%
0.43%
0.51%
6.82%
8.12%
8.58%
Full Year Resu		 3M
6M
9M
2012
2013
Change
1.52%
1.53%
1.54%
1.49%
1.55%
0.06%
1.26%
1.26%
1.26%
1.21%
1.26%
0.05%
51.53%
51.30%
49.38%
51.39%
49.59%
-1.80%
88.51%
88.29%
86.54%
89.49%
83.50%
-5.99%
0.50%
0.50%
0.64%
0.44%
0.47%
0.03%
233.17%
228.97%
191.46%
248.97%
261.73%
12.76%
11.44%
11.03%
10.95%
11.51%
10.87%
-0.64%
8.49%
8.34%
8.37%
8.41%
8.29%
-0.12%
0.56%
0.60%
0.57%
0.51%
0.50%
-1.96%
9.44%
9.84%
9.49%
8.58%
8.36%
-2.56%
2013 Quarterly
Year-over-Year Comparison		 3M
6M
9M
2012
2013
Change
1.52%
1.53%
1.54%
1.49%
1.55%
0.06%
1.26%
1.26%
1.26%
1.21%
1.26%
0.05%
51.53%
51.30%
49.38%
51.39%
49.59%
-1.80%
88.51%
88.29%
86.54%
89.49%
83.50%
-5.99%
0.50%
0.50%
0.64%
0.44%
0.47%
0.03%
233.17%
228.97%
191.46%
248.97%
261.73%
12.76%
11.44%
11.03%
10.95%
11.51%
10.87%
-0.64%
8.49%
8.34%
8.37%
8.41%
8.29%
-0.12%
0.56%
0.60%
0.57%
0.51%
0.50%
-1.96%
9.44%
9.84%
9.49%
8.58%
8.36%
-2.56%
2013 Quarterly
Year-over-Year Comparison		 3M
6M
9M
2012
2013
Change
1.52%
1.53%
1.54%
1.49%
1.55%
0.06%
1.26%
1.26%
1.26%
1.21%
1.26%
0.05%
51.53%
51.30%
49.38%
51.39%
49.59%
-1.80%
88.51%
88.29%
86.54%
89.49%
83.50%
-5.99%
0.50%
0.50%
0.64%
0.44%
0.47%
0.03%
233.17%
228.97%
191.46%
248.97%
261.73%
12.76%
11.44%
11.03%
10.95%
11.51%
10.87%
-0.64%
8.49%
8.34%
8.37%
8.41%
8.29%
-0.12%
0.56%
0.60%
0.57%
0.51%
0.50%
-1.96%
9.44%
9.84%
9.49%
8.58%
8.36%
-2.56%
2013 Quarterly
Year-over-Year Comparison
2013 Change
1.55%
1.26%
49.59%
83.50%
0.47%
261.73%
10.87%
8.29%
0.50%
8.36%		 0.06%
0.05%
-1.80%
-5.99%
0.03%
12.76%
-0.64%
-0.12%
-1.96%
-2.56%

  1. Loan to depoist ratio = total loan / total deposit

  2. Annualized figures.

  3. Preliminary data for 2013 CAR and Tier 1

  4. Starting from 2013, net interest income, gains on Fin. Products and opt. expense will be re-classfied, 2012&2013 figures adjusted accordingly.

44

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

第一銀行放款品質

FB NPL Migration in NT$ million or %

Full Year Result 2013 Quarterly 2013 Quarterly Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2010 2011 2012 Q1 Q2 Q3 Q4 2012 2013 Change
NPL- beginning 14,615 10,550 6,373 6,423 7,243 7,252 9,286 6,373 6,423 0.8%
Net new NPL influx 1,270 (1,421) 3,493 1,051 1,397 2,710 183 3,493 5,341 52.9%
Net write-offs (5,335) (2,756) (3,443) (231) (1,388) (676) (2,695) (3,443) (4,990) 44.9%
NPL- ending balance 10,550 6,373 6,423 7,243 7,252 9,286 6,774 6,423 6,774 5.5%
Allowance for loan loss- beginning 12,386 11,877 13,886 15,992 16,889 16,604 17,778 13,886 15,992 15.2%
Provisions for loan loss 5,273 4,825 5,705 1,063 1,114 1,868 2,648 5,705 6,693 17.3%
Net write-offs (5,335) (2,756) (3,443) (231) (1,388) (676) (2,695) (3,443) (4,990) 44.9%
Others (447) (60) (156) 65 (11) (18) (1) (156) 35 122.4%
Allowance for loan loss- ending 11,877 13,886 15,992 16,889 16,604 17,778 17,730 15,992 17,730 10.9%
NPL ratio 0.84% 0.47% 0.44% 0.50% 0.50% 0.64% 0.47% 0.44% 0.47% 0.0%
Coverage ratio 112.58% 217.90% 248.97% 233.17% 228.97% 191.46% 261.73% 248.97% 261.73% 12.8%
  1. Non-consolidated basis

45

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

第一金證券營運報告
t Securities Financial Results Summa
T$ million or %
2010
2011
2012
2012
2013
Change
t Sec Income Statement Summary
l operating income
okerage commission
919
804
659
Brokerage commission
659
683
3.6%
t interest income
420
408
281
Net interest income
281
278
-1.1%
derwriting commission
44
43
79
Underwriting commission
79
76
-3.8%
iciple transaction gains, net
457
(620)
(37)
Transaction gains through F/V, net
(37)
278
851.4%
her operating income
96
98
187
Other operating income
187
24
-87.2%
tal operating income
1,936
733
1,169
Total operating income
1,169
1,339
14.5%
l operating expenses
(1,422)
(1,476)
(1,374)
Total operating expenses
(1,374)
(1,283)
6.6%
-operating income
124
(14)
21
Non-operating income
21
94
347.6%
me before tax
638
(759)
(184)
Income before tax
(184)
150
181.5%
me tax
(54)
(71)
17
Income tax
17
(24)
-241.2%
mulative effect of change in accounting principles
0
0
0
Cummulative effect of change in acc
0
0
--
ncome
584
(830)
(167)
Net income
(167)
126
175.4%
t Sec Key Ratios
First Sec Key Ratios
E (Annualized)
7.94%
-11.78%
-2.60%
ROAE (Annualized)
-2.60%
1.97%
175.8%
A (Annualized)
3.04%
-4.74%
-1.02%
ROAA (Annualized)
-1.02%
0.72%
170.6%
erage market share
1.66%
1.52%
1.62%
Brokerage market share
1.62%
1.72%
0.10%
gin loan market share
2.07%
1.99%
1.99%
Margin loan market share
1.99%
2.37%
0.38%
Year-over-Year Comparison
Full Year Result
Firs
in N
Firs
Tota
Br
Ne
Un
Pr
Ot
To
Tota
Non
Inco
Inco
Cum
Net i
Firs
ROA
ROA
Brok
Mar

46

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

第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

2013 Change
485
1
486
(372)
9
123
(21)
102
0
102		 1.3%
--
1.3%
3.9%
0.0%
-6.1%
-4.5%
-6.4%
--
-6.4%
y
FSITC Key Ratios
AUM
92,188
97,401
81,568
81,568
AUM Ranking
8
5
8
8		 74,577
13		 -8.6%
--
  1. Non-consolidated basis

47

第一金人壽營運報告

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

First-Aviva Financial Results Summary ~~in NT$ million or %~~
First-Aviva Financial Results Summary
~~in NT$ million or %~~
2010
2011
2012
2012
2013
Change
Income Statement Summary
Operating Revenue
6,314
4,993
7,342
7,342
10,338
40.8%
Premium Income
5,856
4,788
6,381
6,381
9,301
45.8%
Other insurance income
17
23
42
42
82
95.2%
Net Investment Income
441
182
919
919
955
3.9%
Operating Cost
(6,139)
(4,902)
(7,080)
(7,080)
(9,979)
40.9%
Reinsurance commission
(5)
(6)
(10)
(10)
(13)
30.0%
Reserves
(4,527)
(1,128)
(3,002)
(3,002)
(4,741)
57.9%
Claims
(1,477)
(3,595)
(3,825)
(3,825)
(4,864)
27.2%
Commission
(130)
(172)
(243)
(243)
(361)
48.6%
Others
0
0
0
0
0
--
Operating Expenses
(319)
(359)
(376)
(376)
(383)
1.9%
Sales related expenses
(32)
(56)
(60)
(60)
(59)
-1.7%
Management expenses
(278)
(287)
(300)
(300)
(304)
1.3%
Other expense
(9)
(16)
(16)
(16)
(20)
25.0%
Profit/Loss of Operation
(145)
(268)
(114)
(114)
(24)
78.9%
Non-Operating Profit
2
0
0
0
0
--
Profit/Loss Before Tax
(143)
(268)
(114)
(114)
(24)
78.9%
Income tax
0
0
0
0
0
--
Net Income after tax
(143)
(268)
(114)
(114)
(24)
78.9%
Key Ratios
ROAE(Annualized ratio)
-9.00%
-18.82%
-9.21%
-9.21%
-2.21%
--
ROAA(Annualized ratio)
-0.77%
-1.29%
-0.51%
-0.51%
-0.09%
--
FFHC claims 51% of First-Aviva operating results.
Year-over-Year Comparison
Full Year Result*
  • FFHC claims 51% of First-Aviva operating results.

48

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