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First Financial Holding Co. Ltd. Annual Report 2014

Mar 16, 2015

52222_rns_2015-03-16_3a4f431e-576e-469c-82da-4ff3822f35a0.pdf

Annual Report

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第一金控 2014 年營運報告 - 自結數

March 3, 2015

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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
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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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- 2014 年第四季業務摘錄

  • 財務資料

  • 營運成果

  • - 附件

3

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2014年第四季 業 務摘錄

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， 2014年 第四季 – 獲利告捷 迎向2015

  • 銀行子公司 2014 年第四季營收持續攀高 : 比預期強勁之核心獲利持續拉升集團第四季獲利動能

- 非銀行子公司亦挹注集團獲利貢獻 :

包括AMC、創投子公司紛紛繳出盈餘好成績，令集團績效持續告捷。

  • 樂觀看待 2015 年景氣及市況，以此迎接 2015 年 : 目前處於歷史新高水準之流動性存款比率及放款覆蓋率，為2014年之表現劃 下一完美句點，並可協助集團強化戰力，迎接2015年。

5

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2014 年績效總結

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稅後淨利趨勢圖 (in NT$ mn)
14,076
10,877
10,125
7,471 29.4%
6,962
？
2010 2011 2012 2013 2014
EPS
ROAA ROAE
(in NT$)
20.0%
19.9%
20.6%
0.60% 9.52% 1.52
2013: 0.50% 2013: 7.94% 2013: 1.26
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6

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2014 年財務資料

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2014 年主要財務數字


2014
14,0761
17,465
2,356,922
1.52
16.62
92,593
9.52%
0.60%
125.44%
109.05%
YoY %
29.4%
43.9%
4.1%
20.6%
2.2%
7.0%
19.9%
20.0%
2.4%
5.7%
2013
10,8771
12,139
2,263,385
1.26
16.26
86,535
7.94%
0.50%
123.04%
103.37%
稅後淨利
綜合損益2
總資產
每股盈餘
每股淨值
股本
平均淨值報酬率3
平均資產報酬率3
集團資本適足率4
雙重槓桿比率5
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
2014獲利組合1( in NT$ mn)
2014
14,0761
17,465
2,356,922
1.52
16.62
92,593
9.52%
0.60%
125.44%
109.05%
YoY %
29.4%
43.9%
4.1%
20.6%
2.2%
7.0%
19.9%
20.0%
2.4%
5.7%
2013
10,8771
12,139
2,263,385
1.26
16.26
86,535
7.94%
0.50%
123.04%
103.37%
稅後淨利
綜合損益2
總資產
每股盈餘
每股淨值
股本
平均淨值報酬率3
平均資產報酬率3
集團資本適足率4
雙重槓桿比率5
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
銀行NT$13,381;
95.1%
證券
NT$64; 0.5%
投信
NT$79; 0.6%
其他
NT$303;2.2%
保險
NT$(15); -0.1%
AMC
NT$264; 1.9%

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]

  1. 2013[年起依] IFRS[會計準則編製綜合損益表] 3.[年化後數字]

4.[資本適足率每半年更新一次] 5.[雙重槓桿比率] =[股權投資] /[股東權益]

8

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2014年營運成果

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2014 年合併淨利與綜合損益 (in NT$ mn)
信用成本 (4,015)
保險準備 7,101
34,039 3,086 (20,645)
29.4%
↑
(2,403)
17,465
14,076
3,389
淨收益 呆帳費用 營業費用 所得稅 淨利 其他綜合損益 綜合損益
2013 年合併淨利及綜合損益 (in NT$ mn)
信用成本 (4,047)
保險準備 (397)
36,466 (4,444)
(18,974)
(2,172) 12,139
10,877
1,262
淨收益 呆帳費用 營業費用 所得稅 淨利 其他綜合損益 綜合損益
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2014年主要子公司*獲利表現 - 稅後淨利

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2014 年稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 29.4%
13,381 ↑25.7% 14,076
↑74.8%
FFHC (8)
Aviva (7)
64 79 (15) 264
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
2013 年稅後淨利 — 主要子公司 (in NT$ mn)
10,877
10,645
FFHC (12)
Aviva (12)
140 103 (24) 151
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 .

10

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2014 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
11.42%
10.46% 10.20% 10.73%
9.20% 8.80% 9.48% 9.13% 9.52%
7.73% 7.94%
14,076
9,016 10,118 9,293 10,877 8,205 11,705
6,680 6,361
2,970 3,655
6M 12 9M 12 2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14 2014
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% 9.73% 9.44% 9.84% 9.49% 10.59% 11.10% 10.60% 9.39%
8.58% 8.35%
13,381
10,375 10,645 10,936
8,880 8,977
7,527
6,551 6,144
2,962 3,543
6M 12 9M 12 2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14 2014
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  1. 含少數股權

12

一銀 2014年稅前獲利

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32,776
37,520
2013
2014
20132014 20132014 20132014 20132014 20132014 20132014
↓32.8%
z
項目
2013
2014
Change
淨利收
75.9%
72.4%
-3.5%
淨手續費收益
16.5%
16.5%
0.0%
投資收益/短投
0.2%
-0.4%
-0.6%
投資收益/長投
2.2%
1.8%
-0.4%
投資收益/其他金融商品
5.8%
9.3%
+3.5%
其他
-0.6%
0.4%
1.0%
淨收益1
100.0%
100.0%
呆帳費用2
-21.6%
-16.4%
-5.2%
調整:呆帳回收
+9.7%
+6.0%
-3.7%
營業費用
-49.6%
-47.2%
-2.4%
稅前獲利
38.5%
42.4%
+3.9%
24,865
5,397
2,674
7,090
16,269
27,138
6,190
4,011
6,161
17,736
3,168
2,240
↑9.1%
↑14.7%
↓29.3%
↓13.1%
↑ 50.0%
+14.5%
↑9.0%
一銀稅前獲利佔比分析 (in %)
2014累積淨收益 (in NT$ mn or %)
累積淨收益
2014淨收益&費用比較( NT$mn )
淨利收
淨手收
投資收益
呆帳費用2
呆帳回收
營業費用		 32,776
37,520
2013
2014
20132014 20132014 20132014 20132014 20132014 20132014
↓32.8%
z
項目
2013
2014
Change
淨利收
75.9%
72.4%
-3.5%
淨手續費收益
16.5%
16.5%
0.0%
投資收益/短投
0.2%
-0.4%
-0.6%
投資收益/長投
2.2%
1.8%
-0.4%
投資收益/其他金融商品
5.8%
9.3%
+3.5%
其他
-0.6%
0.4%
1.0%
淨收益1
100.0%
100.0%
呆帳費用2
-21.6%
-16.4%
-5.2%
調整:呆帳回收
+9.7%
+6.0%
-3.7%
營業費用
-49.6%
-47.2%
-2.4%
稅前獲利
38.5%
42.4%
+3.9%
24,865
5,397
2,674
7,090
16,269
27,138
6,190
4,011
6,161
17,736
3,168
2,240
↑9.1%
↑14.7%
↓29.3%
↓13.1%
↑ 50.0%
+14.5%
↑9.0%
一銀稅前獲利佔比分析 (in %)
2014累積淨收益 (in NT$ mn or %)
累積淨收益
2014淨收益&費用比較( NT$mn )
淨利收
淨手收
投資收益
呆帳費用2
呆帳回收
營業費用		 32,776
37,520
2013
2014
20132014 20132014 20132014 20132014 20132014 20132014
↓32.8%
z
項目
2013
2014
Change
淨利收
75.9%
72.4%
-3.5%
淨手續費收益
16.5%
16.5%
0.0%
投資收益/短投
0.2%
-0.4%
-0.6%
投資收益/長投
2.2%
1.8%
-0.4%
投資收益/其他金融商品
5.8%
9.3%
+3.5%
其他
-0.6%
0.4%
1.0%
淨收益1
100.0%
100.0%
呆帳費用2
-21.6%
-16.4%
-5.2%
調整:呆帳回收
+9.7%
+6.0%
-3.7%
營業費用
-49.6%
-47.2%
-2.4%
稅前獲利
38.5%
42.4%
+3.9%
24,865
5,397
2,674
7,090
16,269
27,138
6,190
4,011
6,161
17,736
3,168
2,240
↑9.1%
↑14.7%
↓29.3%
↓13.1%
↑ 50.0%
+14.5%
↑9.0%
一銀稅前獲利佔比分析 (in %)
2014累積淨收益 (in NT$ mn or %)
累積淨收益
2014淨收益&費用比較( NT$mn )
淨利收
淨手收
投資收益
呆帳費用2
呆帳回收
營業費用
32,776
37,520
2013
2014
+14.5%
2014累積淨收益 (in NT$ mn or %)
累積淨收益		 z
項目
2013
2014
Change
淨利收
75.9%
72.4%
-3.5%
淨手續費收益
16.5%
16.5%
0.0%
投資收益/短投
0.2%
-0.4%
-0.6%
投資收益/長投
2.2%
1.8%
-0.4%
投資收益/其他金融商品
5.8%
9.3%
+3.5%
其他
-0.6%
0.4%
1.0%
淨收益1
100.0%
100.0%
呆帳費用2
-21.6%
-16.4%
-5.2%
調整:呆帳回收
+9.7%
+6.0%
-3.7%
營業費用
-49.6%
-47.2%
-2.4%
稅前獲利
38.5%
42.4%
+3.9%
一銀稅前獲利佔比分析 (in %)
2014淨收益&費用比較( NT$mn )

  1. 呆帳費用不含呆帳回收

  2. 數字均依 IFRS 準則分類計算

13

一銀 2014年 總放款結構

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% of 總放款 [1]
2014 總放款 [1] (in NT$ bn or %)
項目 2013 2014 Change
消金放款 28.6% 27.4% -1.2%
1,503.4
房貸 27.4% 26.0% -1.4%
其他消費貸款 1.2% 1.4% +0.2%
法金放款 71.4% 72.6% +1.2%
1,433.0 企業放款 48.1% 47.7% -0.4%
+4.9%
--- 中小企業 38.1% 39.0% +0.9%
外幣放款 20.4% 22.3% +1.9%
--- 海外分行 9.6% 10.4% +0.8%
2013 2014 政府及公營事業放款 2.8% 2.6% -0.2%
總放款 [1 ]
總放款 [1 ] 100.0% 100.0%
2014 總放款 [1] 佔比 (in NT$ bn ) 717.5
↑ 企業 4.1%
689.2
↓ 0.4%
中小企業 ↑7.3% ↑ 外幣 14.3%
391.5
334.9
293.0
↓4.7% 中小企 [2 ]
393.3 ↑ 22.8% 中小企 [2 ]
545.9 585.5 海外 海外 海外
38.5
17.1 21.0 40.4 137.2 157.1 ↑14.5%
2013 2014 2013 2014 2013 2014 2013 2014 2013 2014
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. 中小企業放款依經濟部定義；含外幣放款

14

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一銀總放款結構 -季度比較

一銀總放款結構
-季度比較		 一銀總放款結構
-季度比較		 一銀總放款結構
-季度比較		 一銀總放款結構
-季度比較		 一銀總放款結構
-季度比較		 一銀總放款結構
-季度比較
682.4
685.3
689.2
678.5
692.7
704.9
717.5
387.9
388.0
393.3
391.8
392.2
85.1
66.5
72.4
46.3
41.9
38.5
273.2
283.2
293.0
306.4
317.5
330.9
334.9
391.5
391.1
40.4
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1442.9
1438.2
1433.0
1466.0
1467.2
1488.4
1503.4
QoQ% YTD%
536.4
545.9
538.8
562.7
571.9
585.5
523.5
+2.4%
+7.3%
+1.2%
+14.3%
-8.1%
-4.7%
+0.1%
-0.4%
+1.8%
+4.1%
QoQ ↑ 1.0%
一銀放款成長 (in NT$ bn)
總放款
1
中小企業
外幣放款
政府公營
房貸
企業放款2
682.4
685.3
689.2
678.5
692.7
704.9
717.5
387.9
388.0
393.3
391.8
392.2
85.1
66.5
72.4
46.3
41.9
38.5
273.2
283.2
293.0
306.4
317.5
330.9
334.9
391.5
391.1
40.4
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
1442.9
1438.2
1433.0
1466.0
1467.2
1488.4
1503.4
QoQ% YTD%
536.4
545.9
538.8
562.7
571.9
585.5
523.5
+2.4%
+7.3%
+1.2%
+14.3%
-8.1%
-4.7%
+0.1%
-0.4%
+1.8%
+4.1%
QoQ ↑ 1.0%
總放款
1
中小企業
外幣放款
政府公營
房貸
企業放款2
+2.4% +7.3%
+1.2% +14.3%
-8.1% -4.7%
+0.1% -0.4%
+1.8% +4.1%
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
4Q14
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

15

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一銀存放比、利差與淨利息收益率

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總放款 [1] & 存放比 [2] (in NT$ bn or % )
總放款 [1 ] 存放比 [2 ]
89.49%
88.71% 88.51% 88.29%
86.54%
84.51% 84.49%
83.50% 83.48% 83.03%
1,410.3 1,445.2 1,437.3 1,449.2 1,447.7 1,439.9 1,470.6 1,470.9 1,491.8 1,507.1
3Q12 4Q12 1Q13 2Q13 3Q13 △ 4Q13 1Q14 2Q14 3Q14 4Q14
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% 1.55% 1.55% 1.55% 1.55%
1.48% 1.49%
1.26% 1.26% 1.26% 1.26% 1.28% 1.28% 1.28% 1.28%
1.20% 1.21%
3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
----- End of picture text -----

  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

16

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一銀台外幣利差

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

一銀台幣利差及成本分析 ( in % )
1.60%
存款利率 (NTD) 放款利率 (NTD) 利差 (NTD)
1.56%
1.53%
1.52% 1.52%
1.50%
1.48%
2.10% 2.11% 2.15% 2.13% 2.12% 2.16% 2.20%
0.62% 0.61% 0.61% 0.61% 0.60% 0.60% 0.60%
2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
一銀外幣利差及成本分析 ( in % ) 存款利率 (FX) 放款利率 (FX)
1.76% 1.83% 放款利差 (F/X) 第 3 季起國內外
1.75% 幣 ( 含 OBU) 貸款
1.65% 1.67% 利率因 TAIFEX
1.59%
指標 下滑而降低
1.45%
2.29% 2.42% 2.38% 2.52% 2.65% 2.51% 2.29%
0.87% 0.98% 0.92% 0.84%
0.53% 0.59% 0.64%
2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
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* 以上利率均為 季度加權平均數字

17

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一銀特定產業貸放集中度

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2014 年底 - 特定貸放產業佔比
6.01% 13.17%
11.38% 5.51%
製造業 ; 27.90%
5.48%
2014
7.28%
總放款餘額 6.70% 塑化
金屬
3.30% $1,609 bn 科技
機械
3.67%
其他製造
私人放款 ( 含房貸 )
6.54%
建築營造
不動產
批發零售
30.96%
運輸
其他
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  • 總放款不含催收款 .

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一銀新台幣存款組成

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

一銀台幣存款結構 (in % )
定存比重 活存比重 ( CASA rate) 固定利率佔定存比重
央行暫停升息
43.8% 44.6% 44.9% 44.9%
42.0%
40.5%
△
38.9%
37.0%
36.0%
57% 58% 59% 59% 60% 61% 62% 63% 64%
43% 42% 41% 41% 40% 39% 38% 37% 36%
2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14
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19

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一銀房貸分析

2014年底房貸--依地區別 (in %) 2014年底房貸--依地區別 (in %)
Mortgage NPL(in %)
地區
2014
北部
大台北都會
70%
54%
桃竹苗
16%
中部
10%
大台中
南部
16%
台南/高雄
東部
4%
總計
100.0%		 66.82%
66.23%
65.99%
65.74%
65.61%
65.37%
65.25%
48.77%
48.14%
48.00%
47.59%
47.34%
46.94%
46.75%
6M13
9M13
2013
3M14
6M14
9M14
2014
2.15%
2.15%
2.15%
2.15%
2.15%
2.16%
2.16%
新承作房貸成數比
平均房貸成數
平均房貸利率
近一年各月份新承作房貸金額 (in NT$mn)

20

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一銀2014年淨手續費結構

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2014 累積淨手續費收益 (in NT$ mn or %) 累積淨手續費收益佔比
項目 2013 2014 Change
6,190
財富管理 [1 ] 46.3% 49.8% +3.1%
外幣 17.2% 15.2% -2.0%
其他 13.3% 14.0% +0.7%
5,397 +14.7%
放款相關 16.7% 15.2% -1.5%
信用卡 6.5% 6.3% -0.2%
2013 2014
累積淨手續費收益 100.0% 100.0%
淨手續費收益
2014 累積淨手續費收益佔比 ( in NT$ mn )
↑ 23.4%
3,083
2,499
↑3.8% ↑1.5%
↑17.6%
↓ 23.7% 893 927 926 940 ↑9.3% 854
386 726
353
↑3.0%
2013 2014 2013 2014 2013 2014 2013 2014 2013 2014
財富管理 [1 ] 放款相關 外匯 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

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一銀淨手續費收益 -季度比較

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淨手續費收益 (in NT$ mn)
1,705 YoY% +10.4%
1,525 1,554
1,421 1,465 1,406
淨手續費
收益
248
206
197 100
203
其他 194 203 95
100
237
95
87
信用卡手收 91 243 237
228 251
外匯手收 223 250
221
232
226 237 100
放款手收 224 91
93 2014(YoY%)
保管手收 87 86 84 +18.5%
770
660 704 基金銷售 &
599 594 581
基金 & 銀行 銀行保險手收
財管
保險手收 手收
3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
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  • 財富管理手收 = 保管手收 + 基金手收 + 銀行保險手收

  • 其他為含海外分行在內之通路手續費

22

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一銀 2014年海外業務盈餘

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2014 一銀海外分行稅前獲利分析 ( in NT$ mn or % ) 2014 一銀全行稅前獲利分析 ( in NT$ mn or %)
7.5% 稅前獲利
5.6%
52.4% $15,862 mn
OBU
上海
14.9% 國內市場 ;
2014 成都 55.2%
Overseas 澳門
$7,112 mn 香港
北美
11.6%
東協 其他海外地區 ; 大中華 ; 32.3%
12.5%
1.0% 6.4% 其他
0.6%
季度海外地區稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
47.3% 34.6% 43.9% 44.8%
27.3% 19.9% 30.6%
4,087 4,642
3,967
3,166
3,895
3,496
1,675
1,280 1,447 1,932 1,910 1,725 1,545
150
2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
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  • 2012 年起數字依 IFRS 準則列示

23

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一銀2014年營業費用比率

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||||||||
|---|---|---|---|---|---|---|
|2014|一銀營業費用|(in NT$ mn )|營業費用比率分析|( in NT$ mn)|
|項目|2013|2014|
|17,736|
|淨收益|32,776|37,520|
|營業費用|(16,269)|(17,736)|
|16,269|+9.0%|
|呆帳費用|(|淨|)|(3,922)|(3,921)|
|所得稅|(1,940)|(2,481)|
|2013 2014|
|淨利|10,645|13,381|
|營業費用|
|季度營業費用|&|營業費用佔比|( in NT$ mn or % )|
|Sales Tax raised|
|淨收益|營業費用|營業費用佔比|fm 2% to 5%|
|51.30%|
|49.38%|49.63%|
|47.27%|
|45.25%|45.49%|45.39%|
|9,956|
|8,101|8,715|8,288|9,032|9,256|9,276|
|4,138|4,002|4,176|4,087|4,232|4,501|4,916|
|2Q13|3Q13|4Q13|1Q14|2Q14|3Q14|4Q14|

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  • 2012 年起數字依 IFRS 準則列示

24

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一銀2014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 % ) 第一類放款提存比 680.71%
(loss reserve against performing loan)
覆蓋率 放款覆蓋率 (LLR), 排除政府放款 521.72% 504.28%
453.05%
228.97% 261.73%
191.46%
1.22% 1.29% 1.26% 1.34% 1.31% 1.37% 1.37%
1.26%
1.20% 1.20% 1.24%
1.01% 1.01% 1.09%
逾放比 逾放 呆帳提存準備
0.64%
0.50%
0.47%
0.28% 0.24% 0.26%
0.20%
16,604 17,778
17,730 18,813 18,637 19,933 20,089
9,286
7,252 6,774
4,152 3,572 3,953 2,951
6M13 9M13 2013 3M14 6M14 9M14 2014
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一銀逾期放款分類表

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

1
個人 與房貸逾放比率 (in %) 大企業 與 中小企業 逾放比 (in %)
個人
大企業
房貸
中小
0.22%
0.20% 0.22% 0.52% 0.50% 0.39% 0.45%
0.18% 0.18% 0.35%
0.17%
0.19%
0.17% 0.30% 0.09%
0.17% 0.20% 0.26% 0.03%
0.16%
4Q13 1Q14 2Q14 3Q14 4Q14 4Q13 1Q14 2Q14 3Q14 4Q14
國內 放款 逾放比率 (in %) 海外放款 逾放比率 (in %)
國內 海外
0.32% 0.30% 1.26%
0.28%
0.25% 0.21% 0.27% 0.23% 0.08% 0.13%
4Q13 1Q14 2Q14 3Q14 4Q14
4Q13 1Q14 2Q14 3Q14 4Q14
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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

26

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一銀 2014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)
季度新增逾放 1Q14 2Q14 3Q14 4Q14
季度呆帳收回 1Q14 2Q14 3Q14 4Q14
--- 國內 178 619 1,140 39
--- 國內 246 553 486 216
--- 海外 (2,275) (30) 11 200 --- 海外 450 101 26 102
--- 信用卡 17 15 14 14
小計 (2,097) 589 1,151 239 小計 713 669 526 332
季度新增逾放 與 轉銷數 ( in NT$ mn)
轉銷數 新增逾放
0.15%
0.09%
2,710 2,695 0.07%
0.00% 0.00% 0.00%
1, 051 1,388 [1,397] 1,169 1,151 1,241
676 525 589 770
231 183 239
(2,097)
1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14
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27

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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 ( in %)
CAR
125.55% 125.44%
123.00% 123.04%
121.24%
117.99% 117.05% 119.40%
115.14%
statutory CAR 100%
一銀資本適足率與第一類資本 ( in %)
CAR
11.51% 11.51%
10.94% 11.03% 10.90% 10.88%
10.36% 10.14% 10.44%
Tier 1
9.02%
8.28% 8.23% 8.41% 8.34% 8.31% 8.64%
7.00% 6.82%
2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14
2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14
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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 *2H14 為自結數

28

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附件

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第一金控綜合損益表

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

Full Year Results(TW-GAPP) 2013
2014
Change
Year-over-Year Comparison		 2013
2014
Change
Year-over-Year Comparison		 2013
2014
Change
Year-over-Year Comparison		 2013
2014
Change
Year-over-Year Comparison		 2013
2014
Change
Year-over-Year Comparison		 2013
2014
Change
Year-over-Year Comparison
2010
2011
2012		 2013 2014 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
0
0
0
Cummulative effect of change
0
0
0
in accounting principle
Consolidated net income
6,962
7,471
10,118
EPS1(NT$)
0.96
1.01
1.25
Net income attributable to parent
7,032
7,602
10,174
Minority interests
(70)
(131)
(56)		 Net interest income
25,932
Net service fee & commission
6,632
Net Insurance revenue
688
Gain on financial assets meas.
859
at fair value through P/L
Real estate investment gain
88
Gain on AFS financial assets
315
Income from equity invest.
97
Net gain on F/X
1,368
Assets impairment loss
3
Others
484
Net Revenue
36,466
Net Provision for credit losses
(4,047)
Recovered(provided) for insurance re
(397)
Operating Expense
(18,973)
Income from continued op. before
13,049
Income tax expenses
(2,172)
Consolidatednetincome
10,877		 28,278
7,352
(6,533)
1,436
137
370
(47)
2,172
30
844
34,039
(4,015)
7,101
(20,645)
16,479
(2,403)
14,076		 9.0%
10.9%
-1049.6%
67.2%
55.7%
17.5%
-148.5%
58.8%
900.0%
74.4%
-6.7%
-0.8%
1888.7%
8.8%
26.3%
10.6%
29.4%
Other Items
Comprehensive Income		 1,262
12,139		 3,389
17,465		 --
43.9%
Net Income attributed to:
Parent
Minorityinterests		 10,889
(12)		 14,083
(7)		 29.3%
--
Comprehensive Income attributed to:
Parent
Minorityinterests		 12,242
(104)		 17,510
(45)		 43.0%
-56.7%
EPS1(NT$)
1.26 1.52 20.6%

Note: 2013 and 2014 are stated in accordance with IFRS, whereas FY2010-2012 are with ROC GAAP. The same basis applied to all appendix pages.

30

第一金控非合併損益表

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31

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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 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2010 2011 2012 2013 **2014 ** Change
Non-consolidated Balance Sheet Data
Long-term investment 106,075 127,331 137,633 145,469 167,887 15.4%
Total non-consolidated assets 119,493 135,716 141,300 151,546 172,070 13.5%
Total liabilities 13,496 8,999 9,156 10,817 18,126 67.6%
Total shareholders' equity 105,997 126,717 132,144 140,729 153,944 9.4%
Conolidated Balance Sheet Data
Total consolidated assets 2,048,867 2,080,970 2,124,279 2,263,385 2,356,922 4.1%
Total liabilities 1,942,118 1,953,609 1,991,555 2,122,179 2,202,577 3.8%
Total shareholders' equity 106,749 127,361 132,724 141,206 154,345 9.3%
Parent's shareholders' equity 105,997 126,717 132,143 140,729 153,913 9.4%
Minority interests 752 644 581 477 432 -9.4%
Current shares outstanding 64,768 76,654 81,254 86,535 92,593 7.0%

*figures may not match due to rounding

32

第一金控主要財務比率

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FFHC Key Ratios

FFHC Key Ratios
2010
2011
2012
2013
2014 Change
0.35%
0.36%
0.48%
0.50%
0.60%
20.0%
6.67%
6.38%
7.86%
7.94%
9.52%
19.9%
16.37
16.53
16.26
16.26
16.62
2.2%
64,768
76,654
81,254
86,535
92,593
7.0%
103.77%
103.58%
104.15%
103.37%
109.05%
5.7%
117.99%
123.00%
125.55%
123.04%
125.44%
2.4%
11.29%
6.63%
6.48%
7.14%
10.53%
47.5%
Year-over-Year Comparison
Full Year Results
2013 **2014 ** Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.50%
7.94%
16.26
86,535
103.37%
123.04%
7.14%		 0.60%
9.52%
16.62
92,593
109.05%
125.44%
10.53%		 20.0%
19.9%
2.2%
7.0%
5.7%
2.4%
47.5%

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

  2. Updated semi-annually.

  3. Non-consolidated basis.

33

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第一銀行損益表

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Subject to final Reviewed
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34

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第一銀行主要財務比率
~~FB Key Ratios~~
Full Year Results 2013
2014
Change
1.55%
1.55%
0.00%
1.26%
1.28%
0.02%
49.63%
47.27%
-2.36%
83.50%
83.03%
-0.47%
0.47%
0.20%
-0.27%
1.09%
1.24%
0.15%
1.26%
1.37%
0.11%
261.73%
680.71%
418.98%
10.90%
11.51%
0.61%
8.31%
9.02%
0.71%
0.50%
0.60%
20.00%
8.35%
9.39%
12.46%
Year-over-Year Comparison
2011
2012
2013
Loan to deposit spread
1.41%
1.49%
1.55%
Net Interest Margin
1.10%
1.21%
1.26%
Cost to income ratio4
50.06%
51.39%
49.63%
Loan to deposit ratio1
84.72%
89.49%
83.50%
NPL ratio
0.47%
0.44%
0.47%
Gross Provision ratio
--
--
1.09%
LLR Ration ( excluding gov. loan)
1.07%
1.17%
1.26%
Coverage ratio
217.90%
248.97%
261.73%
CAR
10.94%
11.51%
10.90%
Tier-1
8.28%
8.41%
8.31%
ROAA2
0.43%
0.51%
0.50%
ROAE2
8.12%
8.69%
8.35%
1. Loan to depoist ratio = total loan / total deposit
2. Annualized figures.
3. Starting from 2013, data are illustrated with T-IFRS.
2013 2014
1.55%
1.26%
49.63%
83.50%
0.47%
1.09%
1.26%
261.73%
10.90%
8.31%
0.50%
8.35%		 1.55%
1.28%
47.27%
83.03%
0.20%
1.24%
1.37%
680.71%
11.51%
9.02%
0.60%
9.39%

35

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第一銀行放款品質

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36

第一金證券營運報告

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第一金投信營運報告

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第一金人壽營運報告

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企業社會責任獲獎實績

英國標準協會 (BSI)

獲英國標準協會「2013年企業社會責任報告書」A+應用等級驗證

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證券暨期貨市場發展基金會

獲證券暨期貨市場發展基金會「第十一屆上市上櫃公司資訊評鑑」 最高等級A++肯定

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天下雜誌

獲天下雜誌「2014天下CSR企業公民獎」

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TCSA 臺灣企業永續獎

獲第七屆TCSA臺灣企業永續獎「臺灣TOP50企業永續報告獎大型 企業金融業金獎」

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台北市政府

獲「第三屆台北市環境教育獎」

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Q&A

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