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First Financial Holding Co. Ltd. Annual Report 2018

Feb 27, 2019

52222_rns_2019-02-27_757ef60a-98af-4812-874e-4bbb3b016514.pdf

Annual Report

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第一金控 2018年營運報告 - 自結數

Feb. 27, 2019

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免責聲明

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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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  • 2018 年業務摘錄

  • 財務資料

  • 營運成果

  • 附件

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2018 年業務摘錄

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2018 集團整體表現

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集團稅後淨利趨勢圖 (in NT$ mn )
集團稅後淨利
現金增資 16 億股
+12.3%
17,332
17,284
15,962 15,432
14,078
10,877
2 0 1 3 2 0 1 4 2 0 1 5 2 0 1 6 2 0 1 7 2 0 1 8
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2018 年重點摘錄

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~~2~~ 2018 年總放款成 長 7.3% ，增幅為 7 年來之新高。 A. 房屋貸款 B. 外幣貸款 兩項放款為主要 動能。

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2018 年財務資料

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2018 年主要財務數字



經營績效( in NT$ dollar, NT$ mn, mn shares or %)
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
2017
15,4321
14,394
2,634,059
1.27
15.70
122,164
8.04%
0.60%
131.31%
107.40%
2018
17,3321
17,749
2,935,204
1.40
16.64
123,386
8.73%
0.62%
131.62%
105.90%
YoY %
12.3%
23.3%
11.4%
10.2%
6.0%
1.0%
8.6%
3.3%
0.3%
-1.5%
2018獲利組合1( in NT$ mn)

經營績效( in NT$ dollar, NT$ mn, mn shares or %)
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
2017
15,4321
14,394
2,634,059
1.27
15.70
122,164
8.04%
0.60%
131.31%
107.40%
2018
17,3321
17,749
2,935,204
1.40
16.64
123,386
8.73%
0.62%
131.62%
105.90%
YoY %
12.3%
23.3%
11.4%
10.2%
6.0%
1.0%
8.6%
3.3%
0.3%
-1.5%
銀行
NT$17,531; 101.2%
證券
NT$114;0.7%
投信
NT$101; 0.6 %
其他
NT$(426); -2.5%
人壽
NT$(141); -0.8%
AMC
NT$153; 0.9%

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.[資本適足率為自結數]

5.[雙重槓桿比率] =[股權投資] /[股東權益]

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2018 年營運成果

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2018 年合併淨利與綜合損益 (in NT$ mn)
↑ 18.5%
(5,486)
60,230
(11,153)
(22,888) ↑ 12.3% ↑23.3 %
(3,370)
17,332 17,749
淨收益 呆帳提存 保險準備 營業費用 所得稅 淨利 綜合損益
2017 年合併淨利與綜合損益 (in NT$ mn)
50,827
(6,772)
(4,560) (21,347)
(2,716) 15,432 14,394
淨收益 呆帳提存 保險準備 營業費用 所得稅 淨利 綜合損益
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2018 年主要子公司 * 獲利表現 - 稅後淨利

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2018 年稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 12.3%
↑ 15.8%
17,531 17,332
114 101 (141) 153
First Bank First Securities FSITC First Life AMC FFHC
2017 FFHC Net Income Breakdown (in NT$ mn)
15,142 15,432
272 70 (103) 144
First Bank First Securities FSITC First Life AMC FFHC
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  • 僅列示 5 家主要子公司

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2018 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
9.10% 8.92% 10.14% 10.29% 8.04% 9.16% 9.66% 9.49% 8.73%
17,284 17,332
14,832 15,432 14,304
9,608 9,580
4,309 4,592
2016 3M 17 6M 17 9M 17 2017 3M18 6M18 9M18 2018
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
9.46% 9.00% 10.00% 10.15% 7.91% 9.16% 9.34% 9.39% 8.71%
17,699 17,531
14,565 15,142 14,106
9,442 9,203
4,320 4,562
2016 3M 17 6M 17 9M 17 2017 3M18 6M18 9M18 2018
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一銀 2018 年稅前獲利

2017
2018
2017 2018 2017 2018 2017 2018 2017 2018 2017 2018
累積淨收益
2018年累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
2017
2018
Change
淨利收
67.2%
62.4%
-4.8%
淨手續費收益
17.4%
16.5%
-0.9%
投資收益/短投
0.9%
0.2%
-0.7%
投資收益/長投
1.7%
1.8%
+0.1%
投資收益/其他金融商品
12.2%
18.3%
+6.1%
其他
0.6%
0.8%
+0.2%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-16.0%
-11.9%
+4.1%
營業費用
-43.0%
-43.2%
-0.2%
稅前獲利
41.0%
44.9%
+3.9%
2018年一銀淨收益&費用比較( NT$mn )
↓0.6%
↑ 1.4%
↑ 46.4%
+7.1%
28,843
7,457
6,373
18,466
28,669
7,563
9,328
8,480
19,839
9,621
2,782
3,017
42,914
45,967
2017
2018
淨利收
淨手收
投資收益
呆帳費用(毛額)1
營業費用
呆帳收回		 2017
2018
2017 2018 2017 2018 2017 2018 2017 2018 2017 2018
累積淨收益
2018年累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
2017
2018
Change
淨利收
67.2%
62.4%
-4.8%
淨手續費收益
17.4%
16.5%
-0.9%
投資收益/短投
0.9%
0.2%
-0.7%
投資收益/長投
1.7%
1.8%
+0.1%
投資收益/其他金融商品
12.2%
18.3%
+6.1%
其他
0.6%
0.8%
+0.2%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-16.0%
-11.9%
+4.1%
營業費用
-43.0%
-43.2%
-0.2%
稅前獲利
41.0%
44.9%
+3.9%
2018年一銀淨收益&費用比較( NT$mn )
↓0.6%
↑ 1.4%
↑ 46.4%
+7.1%
28,843
7,457
6,373
18,466
28,669
7,563
9,328
8,480
19,839
9,621
2,782
3,017
42,914
45,967
2017
2018
淨利收
淨手收
投資收益
呆帳費用(毛額)1
營業費用
呆帳收回		 2017
2018
2017 2018 2017 2018 2017 2018 2017 2018 2017 2018
累積淨收益
2018年累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
2017
2018
Change
淨利收
67.2%
62.4%
-4.8%
淨手續費收益
17.4%
16.5%
-0.9%
投資收益/短投
0.9%
0.2%
-0.7%
投資收益/長投
1.7%
1.8%
+0.1%
投資收益/其他金融商品
12.2%
18.3%
+6.1%
其他
0.6%
0.8%
+0.2%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-16.0%
-11.9%
+4.1%
營業費用
-43.0%
-43.2%
-0.2%
稅前獲利
41.0%
44.9%
+3.9%
2018年一銀淨收益&費用比較( NT$mn )
↓0.6%
↑ 1.4%
↑ 46.4%
+7.1%
28,843
7,457
6,373
18,466
28,669
7,563
9,328
8,480
19,839
9,621
2,782
3,017
42,914
45,967
2017
2018
淨利收
淨手收
投資收益
呆帳費用(毛額)1
營業費用
呆帳收回		 2017
2018
2017 2018 2017 2018 2017 2018 2017 2018 2017 2018
累積淨收益
2018年累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
2017
2018
Change
淨利收
67.2%
62.4%
-4.8%
淨手續費收益
17.4%
16.5%
-0.9%
投資收益/短投
0.9%
0.2%
-0.7%
投資收益/長投
1.7%
1.8%
+0.1%
投資收益/其他金融商品
12.2%
18.3%
+6.1%
其他
0.6%
0.8%
+0.2%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-16.0%
-11.9%
+4.1%
營業費用
-43.0%
-43.2%
-0.2%
稅前獲利
41.0%
44.9%
+3.9%
2018年一銀淨收益&費用比較( NT$mn )
↓0.6%
↑ 1.4%
↑ 46.4%
+7.1%
28,843
7,457
6,373
18,466
28,669
7,563
9,328
8,480
19,839
9,621
2,782
3,017
42,914
45,967
2017
2018
淨利收
淨手收
投資收益
呆帳費用(毛額)1
營業費用
呆帳收回		 2017
2018
2017 2018 2017 2018 2017 2018 2017 2018 2017 2018
累積淨收益
2018年累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
2017
2018
Change
淨利收
67.2%
62.4%
-4.8%
淨手續費收益
17.4%
16.5%
-0.9%
投資收益/短投
0.9%
0.2%
-0.7%
投資收益/長投
1.7%
1.8%
+0.1%
投資收益/其他金融商品
12.2%
18.3%
+6.1%
其他
0.6%
0.8%
+0.2%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-16.0%
-11.9%
+4.1%
營業費用
-43.0%
-43.2%
-0.2%
稅前獲利
41.0%
44.9%
+3.9%
2018年一銀淨收益&費用比較( NT$mn )
↓0.6%
↑ 1.4%
↑ 46.4%
+7.1%
28,843
7,457
6,373
18,466
28,669
7,563
9,328
8,480
19,839
9,621
2,782
3,017
42,914
45,967
2017
2018
淨利收
淨手收
投資收益
呆帳費用(毛額)1
營業費用
呆帳收回		 2017
2018
2017 2018 2017 2018 2017 2018 2017 2018 2017 2018
累積淨收益
2018年累積淨收益(in NT$ mn or %)
一銀稅前獲利佔比分析(in %)
↓32.8%
z
項目
2017
2018
Change
淨利收
67.2%
62.4%
-4.8%
淨手續費收益
17.4%
16.5%
-0.9%
投資收益/短投
0.9%
0.2%
-0.7%
投資收益/長投
1.7%
1.8%
+0.1%
投資收益/其他金融商品
12.2%
18.3%
+6.1%
其他
0.6%
0.8%
+0.2%
淨收益
100.0%
100.0%
呆帳費用(淨額)
-16.0%
-11.9%
+4.1%
營業費用
-43.0%
-43.2%
-0.2%
稅前獲利
41.0%
44.9%
+3.9%
2018年一銀淨收益&費用比較( NT$mn )
↓0.6%
↑ 1.4%
↑ 46.4%
+7.1%
28,843
7,457
6,373
18,466
28,669
7,563
9,328
8,480
19,839
9,621
2,782
3,017
42,914
45,967
2017
2018
淨利收
淨手收
投資收益
呆帳費用(毛額)1
營業費用
呆帳收回
累積淨收益
+7.1%
42,914
45,967
2017
2018
項目
2017		 2018 Change
淨利收
67.2%		 62.4% -4.8%
淨手續費收益
17.4%		 16.5% -0.9%
投資收益/短投
0.9%		 0.2% -0.7%
投資收益/長投
1.7%		 1.8% +0.1%
投資收益/其他金融商品
12.2%		 18.3% +6.1%
其他
0.6%		 0.8% +0.2%
z
淨收益
100.0%		 100.0%
呆帳費用(淨額)
-16.0%		 -11.9% +4.1%
營業費用
-43.0%		 -43.2% -0.2%
2018年一銀淨收益&費用比較( NT$mn ) 稅前獲利
41.0%		 44.9% +3.9%
  1. 毛提存費用

13

一銀 2018 年總放款結構

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各類放款結構 [1]
2018 總放款 [1] (in NT$ bn or %)
項目 2017 2018 Change
消金放款 28.2% 28.4% +0.2%
1,697.0
房貸 26.2% 26.2% 0.0%
其他消費貸款 2.0% 2.2% +0.2%
法金放款 71.8% 71.6% -0.2%
1,582.0 +7.3% 企業放款 49.5% 48.1% -1.4%
--- 中小企業 41.6% 39.6% -2.0%
政府公營放款 0.0% 0.1% +0.1%
外幣放款 22.3% 23.4% +1.1%
2017 2018
總放款 1 --- 海外分行 13.4% 14.1% +0.7%
總放款 [1] 100.0% 100.0%
2018 總放款 [1] 結構 (in NT$ bn ) 815.5 ↑ 4.1%
783.6
中小企 ↑2.2%
↑ 7.5%
445.7 外幣↑ 12.5%
397.0
352.8
中小企 [2]
中小企 [2]
672.3
657.8
414.7
海外 海外 ↑
海外
36.7 239.5 13.1%
30.9 0.0 2.1 211.8
2017 2018 2017 2018 2017 2018 2017 2018 2017 2018
房屋貸款 其他消費性貸款 政府公營放款 企業放款 外幣放款
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  1. 總放款不含催收款

14

  1. 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) 一銀放款成長(in NT$ bn) QoQ%
+2.2%
+7.6%
+1.4%
+8.3%
-79.0%
+1.2%
↑2.4%
352.8
364.1
378.9
392.3
397
0.0
18.0
~~3.0~~
~~10.0~~
2.1
125.7
117.8
119.4
132.2
143.2
657.8
653.2
665.9
663.3
672.3
31.1
32.3
34.1
36.7
414.7
421.5
431.1
436.0
445.7
30.9
4Q17
1Q18
2Q18
3Q18
4Q18
1582.0
1605.6
1630.6
1,657.9
1697.0
總放款
房屋貸款
其他消費性貸款
企業放款
中小企
大企
政府公營放款
外幣放款		 QoQ%
+2.2%
+7.6%
+1.4%
+8.3%
-79.0%
+1.2%
↑2.4%
378.9
~~.~~
4Q17
1Q18

15

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一銀存放比、利差與淨利息收益率

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

總放款 & 存放比 (in NT$ bn or % ) 總放款 [1] 存放比
79.04% 80.48% 79.92% 78.89% 79.28% 80.00% 78.71% NTD 81.3%F/X 70.5%
76.62% 76.58%
1,550.8 1,552.3 1,557.1 1,568.0 1,589.8 1,612.1 1,637.2 1,663.5 1,703.2
4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 2018
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.65% 1.63% 1.63% 1.64% 1.65% 1.63% 1.63% 1.64% 1.64%
1.26% 1.26% 1.26% 1.26% 1.26%
1.22% 1.21% 1.20%
1.18%
4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 2018
----- End of picture text -----

  1. 總放款 = 放款 + 進 / 出口買匯 + 催收款項

  2. 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 % )
利差 ( 台幣 )
存款利率 ( 台幣 ) 放款利率 ( 台幣 )
1.49%
1.47%
1.45%
1.44%
1.42%
1.91% 1.88% 1.87% 1.86% 1.84%
0.42% 0.41% 0.42% 0.42% 0.42%
4Q17 1Q18 2Q18 3Q18 4Q18
一銀外幣利差及成本分析 ( in % ) 存款利率 ( 外幣 ) 放款利率 ( 外幣 )
利差 ( 外幣 )
2.50%
2.46% 2.44%
2.43%
2.35%
3.83% 3.92%
3.66%
3.51%
3.41%
1.23% 1.37% 1.47%
1.01% 1.06%
4Q17 1Q18 2Q18 3Q18 4Q18
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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 2018 年存款結構

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一銀存款結構 (in NT$ bn ) 一銀新台幣活存比結構 (in %)
新台幣存款 外幣存款
新台幣活存比
563.5
540.3 +4.3% 68.30% 69.16% 69.61% 67.87%
67.12%
△
2018 總存款
$2,163.3 bn
+7.9% YoY
+9.2% 1,600.0
1,464.5
1H17 2017 1H18 3Q18 2018
2017 2018
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18

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一銀特定產業貸放集中度

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

-
2018 年底 特定貸放產業佔比
4.57%
11.28%
4.27%
4.94%
10.55%
4.85%
製造業： 25.83%
2018 年 3.92%
塑化
9.97% 總授信餘額 * 科技
機械
5.71%
$1,811.0 bn
金屬
其他製造
6.41% 私人放款 ( 含房貸 )
不動產
批發零售
運輸
33.53% 銀行保險
其他
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  • 總放款不含催收款及投資 .

19

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一銀房貸分析

2018年房貸--依地區別(in %)
Mortgage by Location(in %)
地區
放款比重
逾放比
大台北都會
50%
0.22%
桃竹苗
18%
0.17%
大台中地區
11%
0.10%
大台南地區
9%
0.07%
大高雄地區
8%
0.05%
花東
4%
0.03%
總計
100.00%
0.16%
Mortgage by Location(in %)
地區
放款比重
逾放比
大台北都會
50%
0.22%
桃竹苗
18%
0.17%
大台中地區
11%
0.10%
大台南地區
9%
0.07%
大高雄地區
8%
0.05%
花東
4%
0.03%
總計
100.00%
0.16%
近一年各月份新承作房貸金額(in NT$mn)
12M17
1M18
2M18
3M18
4M18
5M18
6M18
7M18
8M18
9M18
10M18
11M18
12M18

20

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一銀 2018 年淨手續費結構
2018累積淨手續費收益(in NT$ mn or %) 累積淨手續費收益佔比
項目 2017 2018 Change
7,563 財富管理1 57.2% 57.5% +0.3%
放款相關 16.4% 16.1% -0.3%
7,457 +1.4% 外匯 11.6% 11.5% -0.1%
信用卡 5.5% 5.1% -0.4%
2017
2018		 其他2 9.3% 9.8% -0.5%
淨手續費收益 累積淨手續費收益 100.0% 100.0%
2018累積淨手續費收益佔比( in NT$ mn )
↑2.0%
4,263 4,346
↓23.7%
1,226 1,215 ↑3.0%
863
871		 410 389 695 742
2017 2018 2017 2018 2017 2018 2017 2018 2017 2018
財富管理1 放款相關 外匯 信用卡 其他2

  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

21

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一銀淨手續費收益 - 季度比較

財富管理 淨手續費收益(in NT$ mn) 淨手續費收益(in NT$ mn)
681
474
429
493
695
567
95
94
94
97
96
89
355
284
252
305
321
337
215
223
217
217
228
100
118
93
96
94
106
197
156
172
177
218
175
520
466
451
349
525
512
209
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
2,168
1,861
1,769
1,851
2,092
1,851
每季淨手續
費收益
其他
*
信用卡手收
外匯手收
放款手收
保管手收
銀行保險手收
基金手收
***

  • 財富管理手續費收入 = 基金銷售 + 銀行保險 + 保管

  • 其他為含海外分行在內之通路手續費

22

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一銀 2018 年營業費用比率
2018一銀累積營業費用(in NT$ mn ) 營業費用比率分析( in NT$ mn)
項目 2017 2018
19,839 淨收益 42,914 45,967
營業費用 (18,466) (19,839)
18,466 7.4% 呆帳費用(淨) (6,839) (5,463)
所得稅 (2,467) (3,134)
2017
2018
營業費用 淨利 15,142 17,531
季度營業費用&營業費用佔比( in NT$ mn or % )
淨收益 營業費用 累積營業費用佔比
43.55% 43.03% 42.09% 42.20% 41.85% 43.16%
11,447 10,580 11,049 11,684 12,330 10,904
4,739 4,385 4,650 4,944 5,080 5,165
3Q17 4Q17 1Q18 2Q18 3Q18 2018

23

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一銀 2018 年資產品質

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逾期放款 , 提存 , 覆蓋率 (in NT$ mn or % )
覆蓋率 放款覆蓋率 (LLR), 排除政府放款
498.44% 500.09%
389.64%
358.56%
321.54% 342.89%
297.73%
1.38%
1.25%
1.20% 1.20% 1.19% 1.20% 1.21%
逾放比 逾放金額 呆帳提存準備
0.40%
0.38% 0.37%
0.35%
0.32%
0.24% 0.24%
18,561 18,762 21,922 19,030 19,626 20,030 21,229
6,114 6,392 6,104 5,841 5,449
3,724 3,752
6M17 9M17 2017 3M18 6M18 9M18 2018
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  • 配合 IFRS9 實施， 2018 年開帳時將「備抵呆帳 - 貼現及放款」 2,141 百萬元移至「融資承諾準備」及「其他項目備抵呆帳」

24

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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
0.39%
中小企業
0.32% 0.70%
0.75%
0.36% 0.22% 0.22% 0.56% 0.60% 0.57%
0.29% 0.18%(Individual) 0.52%
0.21% 0.22% 0.48% 0.36%
0.16%(Mortgage) 0.37% 0.34%
4Q17 1Q18 2Q18 3Q18 4Q18 4Q17 1Q18 2Q18 3Q18 4Q18
國內放款逾放比率 (in %) 海外放款逾放比率 (in %)
國內 海外
0.46% 0.47%
0.45%
0.38%
0.34%
0.22% 0.23%
0.05% 0.07% 0.08%
4Q17 1Q18 2Q18 3Q18 4Q18 4Q17 1Q18 2Q18 3Q18 4Q18
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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

25

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一銀新增逾放與呆帳收回
季度新增逾放(in NT$ mn）
季度新增逾放
1Q18
2Q18
3Q18
4Q18
---國內
2,660
1,444
742
548
---海外
162
38
463
41
小計
2,822
1,482
1,205
589
慶富造船*
1,589
138**		 季度呆帳收回(in NT$ mn)
季度呆帳收回
1Q18
2Q18
3Q18
4Q18
---國內
636
788
574
897
---海外
33
13
12
15
---信用卡
12
12
12
13
小計
681
813
598
925
季度新增逾放
1Q18
2Q18
3Q18
4Q18
---國內
2,660
1,444
742
548
---海外
162
38
463
41		 季度呆帳收回
1Q18
2Q18
3Q18
4Q18
---國內
636
788
574
897
---海外
33
13
12
15
---信用卡
12
12
12
13
小計
2,822
1,482
1,205
589
慶富造船*
1,589
138**		 小計
681
813
598
925
988
1,040
880
876
2,544
1,770
1,468
981
1,379
2,822
1,350
1,205
589
1,482
918
908
1,700
3,238
4Q16
1Q17
2Q17
3Q17
4Q17
1Q18
2Q18
3Q18
4Q18
季度新增逾放與轉銷數( in NT$ mn)
轉銷數
新增逾放
  • 2018 年新增逾放計新台幣 6,098 百萬元，其中慶富造船佔新台幣 1,727 百萬元 若排除一次性之慶富造船個案，其他新增逾放為新台幣 4,371 百萬元

26

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一銀 2018 年海外業務盈餘

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

2018 年海外分行稅前獲利分析 ( in NT$ mn or %) 2018 年全行稅前獲利分析 ( in NT$ mn or %)
一銀 2018 年稅前獲利
10.94%
39.00% $20,665 mn
11.04%
國內市場 ;
OBU 55.66%
2018 年
香港
海外稅前獲利
14.77% $9,163 mn 中國
北美
東協
10.66% 13.59% 其他 其他海外地區 ; 大中華 ( 含 OBU) ;
15.98% 28.36%
季度海外地稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
35.88% 36.77% 48.36% 40.15% 43.83% 44.34%
31.57%
5,984 5,965 5,420 5,720
5,106 4,419
630
2,134 2,292 2,272 1,612 2,614 2,894 2,043
2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18
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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 %)
現金增資
153.43%
139.14% CAR
132.75% 131.84% 131.31% 131.62%
121.35%
115.66%
statutory C AR 100%
一銀資本適足率與第一類資本 (in %)
現金增資
CAR
13.67% 13.46% 13.27% 13.42% 13.21% 13.57%
12.82%
12.27%
Tier 1
11.59%
10.93% 10.86% 10.95% 10.64% 11.25% 11.08%
9.45%
1H15 2H15 1H16 2H16 1H17 2H17 1H18 2H18
1H15 2H15 1H16 2H16 1H17 2H17 1H18 2H18
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  • 金控公司法定上限 : 雙重槓桿 < 125% ; 債務比 < 30%

  • •2H18 資本適足率為自結數

28

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附件

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第一金控綜合損益表

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第一金控綜合損益表 第一金控綜合損益表 第一金控綜合損益表 第一金控綜合損益表 第一金控綜合損益表 第一金控綜合損益表
FFHC Consolidated Statement of Comprehensive Income (in NT$ million or %)






Year-over-Year Comparison
Full Year Results
~~2015~~
~~2016~~
~~2017~~
28,452
28,801
29,993
8,502
8,723
8,341
121
1,351
5,130
1,152
2,569
5,550
146
163
93
541
951
1,052		 ~~2017~~ ~~2018~~ ~~Change~~
Net interest income
Net service fee & commission
Net Insurance revenue
Gain on financial assets meas.
at fair value through P/L
Real estate investment gain
Gain on AFS financial assets		 29,993
8,341
5,130
5,550
93
1,052		 30,268
8,526
11,733
4,880
76
0		 0.9%
2.2%
128.7%
-12.1%
-18.3%
-100.0%
Gain on financial assets at fair value #DIV/0!
through other compre. income 0 1,588 #DIV/0!
Income from equity invest.
Net gain on F/X
Assets impairment loss
Others
Net Revenue
Net Provision for credit losses
Recovered(provided) for insurance res.
Operating Expense
Income from continued op. before tax
Income tax expenses
Consolidated net income		 (588)
(75)
138
1,707
935
(170)
(10)
(39)
(46)
825
1,712
746
40,848
45,091
50,827
(518)
(2,244)
(6,772)
540
(871)
(4,560)
(21,893)
(21,779)
(21,347)
18,976
20,197
18,148
(3,014)
(2,913)
(2,716)
15,962
17,284
15,432
413
(2,354)
(1,038)
16,375
14,930
14,394
16,006
17,356
15,483
(44)
(72)
(51)
16,461
15,023
14,380
(86)
(93)
14
1.48
1.42
1.27		 138
(170)
(46)
746
50,827
(6,772)
(4,560)
(21,347)
18,148
(2,716)
15,432		 122
2,499
(90)
628
60,230
(5,486)
(11,153)
(22,888)
20,703
(3,370)
17,332		 -11.6%
-1570.0%
95.7%
-15.8%
18.5%
-19.0%
144.6%
7.2%
14.1%
24.1%
12.3%
Other Items
Comprehensive Income		 (1,038)
14,394		 417
17,749		 -140.2%
23.3%
Net Income attributed to:
Parent
Minorityinterests		 15,483
(51)		 17,332
0		 11.9%
-100.0%
Comprehensive Income attributed to:
Parent
Minorityinterests		 14,380
14		 17,749
0		 23.4%
EPS1(NT$)
1.27 1.40 10.2%

30

第一金控非合併損益表

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

in NT$ million, NT$, or %
Full Year Results Year-over-Year Comparison
2015 2016 2017 2017 **2018 ** Change
Operating revenues
Income from long-term investment 16,431 17,857 15,693 15,693 17,904 14.1%
Other income1 213 242 246 246 227 -7.7%
Total revenues 16,644 18,099 15,939 15,939 18,131 13.8%
Loss from long-term investment (114) (304) (53) (53) (321) 505.7%
Operating expenses (373) (338) (334) (334) (356) 6.6%
Other expenses and losses (192) (145) (118) (118) (110) -6.8%
Income from continued op. before tax 15,965 17,312 15,434 15,434 17,344 12.4%
Income from continued op. after tax 16,006 17,356 15,483 15,483 17,332 11.9%
Income from discontinued op., net of tax 0 0 0 0 0 --
Net income 16,006 17,356 15,483 15,483 17,332 11.9%
EPS2(NT$) 1.48 1.42 1.27 1.27 1.40 10.2%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

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 Years Result Full Years Result Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2015 2016 2017 2017 **2018 ** Change
Non-consolidated Balance Sheet Data
Long-term investment 197,454 203,834 205,970 205,970 217,409 5.6%
Total non-consolidated assets 201,923 205,165 208,951 208,951 224,661 7.5%
Total liabilities 14,283 13,390 17,168 17,168 19,358 12.8%
Total shareholders' equity 187,640 191,775 191,783 191,783 205,303 7.0%
Conolidated Balance Sheet Data
Total consolidated assets 2,500,096 2,541,156 2,634,059 2,634,059 2,935,204 11.4%
Total liabilities 2,312,109 2,349,127 2,442,008 2,442,008 2,729,901 11.8%
Total shareholders' equity 187,987 192,029 192,051 192,051 205,303 6.9%
Parent's shareholders' equity 187,640 191,775 191,783 191,783 205,303 7.0%
Minority interests 347 254 268 268 0 -100.0%
Current shares outstanding** 114,611 119,769 122,164 122,164 123,386 1.0%

*figures may not match due to rounding

32

一 第 金控主要財務比率

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FFHC Key Ratios

FFHC Key Ratios
Full Year Results
2015
2016
2017
0.66%
0.69%
0.60%
9.32%
9.10%
8.04%
16.37
16.01
15.70
114,611
119,769
122,164
105.23%
106.29%
107.40%
153.43%
139.14%
131.31%
7.07%
6.53%
8.24%		 Year-over-Year Comparison
2017 **2018 ** Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.60%
8.04%
15.70
122,164
107.40%
131.31%
8.24%		 0.62%
8.73%
16.64
123,386
105.90%
131.62%
8.62%		 3.3%
8.6%
6.0%
1.0%
-1.4%
0.2%
4.6%

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

  2. Preliminary data for 2018

  3. Non-consolidated basis.

33

第一銀行損益表

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

FB Comprehensive Income Statement Summary(Standalone)
in NT$ million or %
2015
2016
2017
Net interest income
27,496
27,797
28,843
Net fee income
7,790
8,035
7,457
Net gain on ST invest.
(49)
274
398
Net gain on LT invest.
177
433
719
Net gain on other fin. products
2,823
4,344
5,256
Other net income
349
654
241
Net revenue
38,586
41,537
42,914
Operating expenses
(18,997)
(18,963)
(18,466)
Pre-provisiion pre-tax profit
19,589
22,574
24,448
Provision expense
(3,027)
(4,396)
(9,621)
Adjustment: bad-debt recovery
2,554
2,346
2,782
Income before tax
19,115
20,524
17,609
Income tax
(3,015)
(2,825)
(2,467)
Netincome
16,100
17,699
15,142
Other items
995
(2,100)
(1,214)
Comprehensiveincome
17,095
15,599
13,928
EPS
1.93
1.99
1.70
Full Year Results		 Year-over-Year Comparison
2017 2018 Change
28,843
7,457
398
719
5,256
241
42,914
(18,466)
24,448
(9,621)
2,782
17,609
(2,467)
15,142		 28,669
7,563
98
834
8,396
407
45,967
(19,839)
26,128
(8,480)
3,017
20,665
(3,134)
17,531		 -0.6%
1.4%
-75.4%
16.0%
59.7%
68.9%
7.1%
7.4%
6.9%
-11.9%
8.4%
17.4%
27.0%
15.8%
(1,214)
13,928		 513
18,044		 -142.3%
29.6%
1.70 1.97 0.16

34

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第一銀行主要財務比率

FB Key Ratios

FB Key Ratios
Full Year Results Year-over-Year Comparison
2015
2016
2017
1.63%
1.65%
1.65%
1.26%
1.26%
1.26%
45.53%
45.65%
43.03%
79.04%
79.04%
79.28%
0.19%
0.20%
0.38%
1.19%
1.16%
1.29%
1.40%
1.22%
1.38%
751.03%
625.14%
358.56%		 2017 2018 Change
Loan to deposit spread
Net Interest Margin
Cost to income ratio3
Loan to deposit ratio1
NPL ratio
Gross Provision ratio
LLR ratio (excluding gov. loan)
Coverage ratio		 1.65%
1.26%
43.03%
79.28%
0.38%
1.29%
1.38%
358.56%		 1.64%
1.18%
43.16%
78.71%
0.32%
1.18%
1.25%
389.64%		 -0.61%
-6.35%
0.30%
-0.72%
-15.79%
-8.53%
-9.42%
8.67%
CAR
Tier-1		 13.67%
13.27%
13.42%
10.93%
10.95%
11.25%		 13.42%
11.25%		 13.57%
11.59%		 1.12%
3.02%
ROAA2
ROAE2		 0.69%
0.72%
0.60%
9.56%
9.46%
7.91%		 0.60%
7.91%		 0.65%
8.71%		 8.33%
10.11%

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

  2. Annualized figures.

  3. Preliminary datat for CAR & Tier-1

35

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第一銀行資產品質

FB NPL Migration in NT$ million or %

第一銀行資產品質 第一銀行資產品質 第一銀行資產品質 第一銀行資產品質 第一銀行資產品質

FB NPL Migration
NT$ million or %
in
2016
2017
Q1
Q2
Q3
Q4
2,761
3,035
6,114
6,392
6,104
5,841
6,166
7,225
2,822
1,482
1,205
589
4,611
6,744
2,660
1,444
742
548
1,555
481
162
38
463
41
(5,892)
(4,146)
(2,544)
(1,770)
(1,468)
(981)
3,035
6,114
6,392
6,104
5,841
5,449
20,738
18,973
19,781
19,030
19,626
20,030
4,238
7,429
1,832
2,020
1,892
2,175
(5,892)
(4,146)
(2,544)
(1,770)
(1,468)
(981)
(111)
(334)
(39)
346
(20)
5
18,973
21,922
19,030
19,626
20,030
21,229
2,346
2,782
681
813
598
925
2,075
2,533
636
788
574
897
214
197
33
13
12
15
57
52
12
12
12
13
2018 Quarterly
Full Year Results*		 Year-over-Year Comparison
2017 2018 Change

NPL
N


N
NPL
Allo
P
N
O
Allo
Rec


 - beginning
et new NPL influx
Domestic
Overseas
et write-offs
- ending balance
wance for loan loss- beginning
rovisions for loan loss
et write-offs
thers
wance for loan loss- ending
overy from bad debt
Domestic
Overseas
Credit card		 3,035
7,225
6,744
481
(4,146)
6,114
18,973
7,429
(4,146)
(334)
21,922
2,782
2,533
197
52		 6,114
6,098
5,394
704
(6,763)
5,449
19,781*
7,919
(6,763)
292
21,229
3,017
2895
73
49		 101.4%
-15.6%
-20.0%
46.4%
63.1%
-10.9%
4.3%
6.6%
63.1%
--
-3.2%
8.4%
14.3%
-62.9%
-5.8%
A


1. N
* N		 on-consolidated basis
TD 2,141 mn was recategorized from “allowance for loan losses” to “reserve for loan commitments” and otherprovision referringto IFRS9 since 2018

  1. Non-consolidated basis

  2. NTD 2,141 mn was recategorized from “allowance for loan losses” to “reserve for loan commitments” and other provision referring to IFRS9 since 2018

36

第一金證券營運報告

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First Sec Income Statement Summary in NT$ million or %

2015
2016
2017
Full Year Results		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2017 2018 Change
Brokerage commission
Net interest income
Underwriting commission
Transaction gains through F/V, net
Other operating income
Total operating income
Total operating expenses
Non-operating income
Income before tax
Income tax		 753
645
849
315
292
306
53
23
38
217
(12)
227
125
93
107
1463
1,041
1,527
(1,363)
(1,288)
(1,301)
64
42
72
164
(205)
298
10
(24)
(26)		 849
306
38
227
107
1,527
(1,301)
72
298
(26)		 899
293
97
29
34
1,352
(1,260)
77
169
(55)
Cummulative effect of change in
accounting principles		 0
0
0		 0 0
Netincome 174
(229)
272		 272 114
First Sec Key Ratios
ROAE (Annualized)
ROAA (Annualized)
Brokerage market share
Margin loan market share		 2.65%
-3.65%
4.41%
0.92%
-1.30%
1.55%
1.58%
1.45%
1.53%
2.64%
2.99%
2.94%		 4.41%
1.55%
1.53%
2.94%		 1.82%
0.61%
1.42%
2.53%

37

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第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2017 2018 Change
501
7
508
(440)
15
82
(12)
70
0		 640
13
653
(540)
12
125
(24)
101
0		 27.7%
85.7%
28.5%
22.7%
-20.0%
52.4%
100.0%
44.3%
#DIV/0!
Netincome
102
64
70		 70 101 44.3%
y
FSITC Key Ratios
AUM
97,016
94,461
101,095
AUM Ranking
8
8
8		 101,095
8		 85,558
9		 -15.4%
  1. Non-consolidated basis

38

第一金人壽營運報告

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第一金人壽營運報告 第一金人壽營運報告 第一金人壽營運報告
First Life Financial Results Summary
in NT$ million or %
2017 2018
13,298
11,684
277
1,337
12,861
40
4,566
7,419
711
125
(566)
(134)
(432)
0		 17,513
18,333
312
(1,132)
17,029
49
8,746
7,122
930
182
(638)
(164)
(474)
0
Profit/Loss of Operation
(89)
(150)
(129)
Non-Operating Profit
0
0
0		 (129)
0		 (154)
0
Profit/Loss Before Tax
(89)
(150)
(129)
(129)
Income tax
(1)
3
26
26
Net Income after tax
(90)
(147)
(103)
(103)
Key Ratios
ROAE(Annualized ratio)
-11.26%
-23.91%
-19.39%
-19.39%
ROAA(Annualized ratio)
-0.28%
-0.45%
-0.30%
-0.30%
* FFHC claims 51% of First-Aviva operating results in 2015,2016, and 2017.		 (154)
13
(141)
-12.94%
-0.34%

39

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Q&A

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