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First Financial Holding Co. Ltd. Annual Report 2022

Feb 24, 2023

52222_rns_2023-02-24_3a837c45-9eda-4255-9181-8d6f2293e329.pdf

Annual Report

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第一金控 2022年營運報告

  • 自結數

Feb. 24, 2023

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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

  • 附件

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2022 年業 務摘錄

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2022年獲利表現

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集團獲利趨勢 (in NT$ mn )
合併獲利
現金增資 16 億股
+4.3%
20,596
19,739
19,369
17,284 17,332 16,808
15,432
15,962
2015 2016 2017 2018 2019 2020 2021 2022
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- 2023年 動態調整年

2022 年第一金集團獲利創歷史新高 :

2022年稅後獲利達 NT$205.96 億元(+4.3%,YoY)，係金控2003年成立以來獲利歷 史新高；突破新台幣200億以上之里程碑，銀行子公司之成長動能於2022年帶領其 他子公司之正向績效，迎來疫後2022年績效。

 升息循環中美國積極升息、台灣溫和升息拉開利率差距 :

銀行子公司2022年獲利達NT$203.28 億元(+15.2%,YoY)，亦是1899年成立以來歷 史新高，2022年受惠升息循環下台美利差逐季擴增，帶來外幣換匯交易(SWAP)之 商機，同時踐行降低升息影響之投資部位調整以因應變化。

2023 年各行業進入動態調整年 :

2023年起製造業持續調整庫存/訂單之優化；而非製造業在人力需求尚未滿足前， 業也需進入動態調整階段，投資人亦需適應新年度的利率環境，與可能波動的疫後 情況，故產業新常態需要動態調整。

 多元視角之 2023 年財管業務 :

波動加劇的資本市場中，風險趨避與資產配置需求可望推升財富管理業務的 需求，2023年具備多元視角的產品將成潮流之一。

 持續增設海外據點 :

第一銀行籌備多時的德國法蘭克福(Frankfurt)分行於2023年1月正式開業，歐盟市 場添加新據點，著眼歐洲經濟長線發展潛能。

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2022 年財務資料

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2022年主要財務數字

銀行
NT$20,328; 98.7%
證券
NT$403;2.0%
投信
NT$76; 0.4 %
其他
NT$(427); -2.1
人壽
NT$62; 0.3%
2022年獲利組合1 ( in NT$ mn)
AMC
NT$154; 0.7%		 %
經營績效( in NT$ dollar, NT$ mn, mn shares or %)
稅後淨利
綜合損益
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
2021
19,7391
14,892
3,739,594
1.49
17.32
129,642
8.86%
0.55%
130.38%
107.40%
2022
20,5961
12,540
4,157,196
1.56
16.95
132,234
9.18%
0.52%
125.16%
109.17%
YoY %
+4.3%
-15.8%
+11.2%
+4.7%
-2.1%
+2.0%
+3.6%
-5.5%
-4.0%
+1.8%

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.[自結數] 4.[雙重槓桿比率] =[股權投資] /[股東權益]

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2022年營運成果

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2022 年合併淨利與綜合損益 (in NT$ mn)
↑ 8.2%
67,756
(6,577)
(8,906)
(27,786) ↑ 4.3% ↓ 15.8%
(3,891)
20,596
12,540
淨收益 呆帳提存 保險準備 營業費用 所得稅 淨利 綜合損益
2021 年合併淨利與綜合損益 (in NT$ mn)
62,604
(3,621)
(9,275)
(26,275)
(3,694)
19,739
14,892
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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2022年主要子公司*獲利表現 - 稅後淨利

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2022 年稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 4.3%
↑ 15.2%
20,596
20,328
403 76 62 154
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 第一金控
2021 年稅後淨利 -- 主要子公司 (in NT$ mn)
19,739
17,652
1,496 105 600 138
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 第一金控
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  • 僅列示 5 家主要子公司

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2022 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
9.04% 9.70% 9.92% 8.86% 8.68% 9.36% 9.91% 9.18%
7.62%
1
9
16,808 5,029 10,913 16,521 19,73915377,369,293,8764,13378,16808,5029,10913, 4,944 10,236 16,428 20,596
8
2020 3M21 6M21 9M21 2021 3M22 6M22 9M22 2022
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
7.16% 7.96% 8.70% 8.92% 7.97% 8.48% 9.16% 9.53% 8.95%
20,328
17,652
15,683 14,779 16,023
9,491 10,123
4,402 4,817
2020 1Q21 2Q21 3Q21 2021 3M22 6M22 9M22 2022
1 9 2 1
9 M 6 M
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一銀 2022年稅前獲利

2022年累積淨收益(in NT$ mn or %) 2022年累積淨收益(in NT$ mn or %) 2022年累積淨收益(in NT$ mn or %) 2022年累積淨收益(in NT$ mn or %) 2022年累積淨收益(in NT$ mn or %) 2022年累積淨收益(in NT$ mn or %)
累積淨收益
+16.3%
46,862
54,484
2021
2022
項目
2021		 2022 Change
淨利收
68.8%		 64.2% +0.9%
淨手續費收益
17.0%		 14.9% -1.0%
投資收益/短投
2.2%		 2.6% +0.7%
投資收益/長投
1.6%		 2.0% +0.5%
投資收益/其他金融商品
9.6%		 15.6% -0.8%
其他
0.8%		 0.7% -0.2%
z
淨收益
100.0%		 100.0%
呆帳費用(淨額)
-7.6%		 -11.9% +4.1%
營業費用
-47.8%		 -44.4% -1.5%
2022年淨收益&費用比較(in NT$ mn ) 稅前獲利
44.6%		 43.7% -2.6%
  1. 毛提存費用

13

一銀 2022年放款結構

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||||||||
|---|---|---|---|---|---|---|
|各類放款|[1]|結構|
|2022|年總放款|[1]|(in NT$ bn or %)|
|項目|2021|2022|Change|
|消金放款|29.2%|28.3%|-0.9%|
|2,318.3|
|房貸|25.6%|24.9%|-0.7%|
|其他消金|3.6%|3.4%|-0.2%|
|法金放款|70.8%|71.7%|+0.9%|
|2,041.1|+13.6%|大企業放款|8.7%|11.9%|+3.2%|
|中小企業放款|[2]|42.5%|40.1%|-2.4%|
|外幣放款|18.9%|18.7%|-0.2%|
|2021|2022|---|海外分行|11.5%|12.4%|+0.9%|
|總放款|[1]|政府公營|0.7%|1.0%|+0.3%|
|總放款|[1]|100.0%|100.0%|
|2022|年總放款|[1]|結構|(in NT$ bn )|
|↑|7.3%|
|930.0|
|866.5|
|↑|10.5%|
|外幣|↑|12.6%|
|577.9|
|522.9|
|434.0|
|↑|54.9%|385.4|海外|↑|21.7%|
|274.5|
|177.2|
|Overseas|Overseas|89.1|101.9|
|其他消金|79.2 bn|
|235.4|286.4|
|2021 2022|2021 2022|2021 2022 2021 2022 2021 2022|
|房屋貸款|大企業放款|中小企業放款|[2]|外幣放款|其他|[3]|

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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

  2. 其他包含其他消費性貸款及政府及公營事業放款

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一銀放款結構 -季度比較

89.1
131.2
138.0
110.3
101.9
385.4
418.8
444.8
465.7
434.0
177.2
174.9
202.9
224.6
274.5
866.5
864.5
895.4
905.2
930.0
522.9
534.6
550.7
561.5
577.9
4Q21
1Q22
2Q22
3Q22
4Q22
一銀放款成長(in NT$ bn)
2,041.1
2,123.9
2,231.8
2,267.3
2,318.3
QoQ%
↑2.2%
房屋貸款↑2.9%
中小企業放款↑2.7%
大企業放款↑22.2%
外幣放款↓6.8%
中小企業放款
房屋貸款
外幣放款
大企業放款
其他
總放款		 89.1
131.2
138.0
110.3
101.9
385.4
418.8
444.8
465.7
434.0
177.2
174.9
202.9
224.6
274.5
866.5
864.5
895.4
905.2
930.0
522.9
534.6
550.7
561.5
577.9
4Q21
1Q22
2Q22
3Q22
4Q22
2,041.1
2,123.9
2,231.8
2,267.3
2,318.3
QoQ%
↑2.2%
房屋貸款↑2.9%
中小企業放款↑2.7%
大企業放款↑22.2%
外幣放款↓6.8%

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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 & 存放比 (in NT$ bn or % ) 總放款 [1] 存放比
70.76% 71.89% 71.66% 69.55% 69.68% 72.16% 73.00% 70.60%
台幣 81.6%
外幣 44.3%
1,952.1 2,010.5 2,032.5 2,045.2 2,128.3 2,236.2 2,271.5 2,322.6
1Q21 2Q21 3Q21 2021 1Q22 2Q22 3Q22 2022
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.44% 1.46% 1.48%
1.39% 1.40% 1.40% 1.41% 1.40%
0.98% 0.99% 1.00% 1.01% 1.02% 1.04% 1.02% 0.99%
1Q21 2Q21 3Q21 2021 1Q22 2Q22 3Q22 2022
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  1. 利差及淨利息收益率均為累積年度平均數

  2. 總放款 = 放款 + 進 / 出口買匯 + 催收款項

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一銀台外幣利差
一銀台幣利差及成本分析 ( in % ) 存款利率 ( 台幣 ) 放款利率 ( 台幣 )
利差 ( 台幣 )
1.38% 1.38%
1.31%
1.27% 1.26%
2.03%
1.88%
1.70%
1.53% 1.53%
0.65%
0.50%
0.39%
0.26% 0.27%
4Q21 1Q22 2Q22 3Q22 4Q22
FB FX Yields & Costs Overview ( in % ) 存款利率 ( 外幣 ) 放款利率 ( 外幣 )
利差 ( 外幣 )
2.82%
2.51%
2.23%
4.99%
2.01% 2.03%
3.81%
2.79%
2.28% 2.34% 2.17%
1.30%
0.56%
0.27% 0.31%
4Q21 1Q22 2Q22 3Q22 4Q22
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* 以上利率均為 季度加權平均數字
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一銀存款結構
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
979.3
+12.2%
872.9
2022 年總存款 △
$3,289.9 bn
73.39%
71.56% 70.99%
+11.9% YoY
68.05%
2,310.6
2,067.8
+11.7%
1H21 2021 1H22 2022
2021 2022
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一銀特定產業貸放集中度

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2022 年 - 特定貸放產業佔比
非製造業 (76.41%)
總授信餘額 [1 ] : NT$2,469.2bn
旅館餐飲 1.82%
製造業 (23.59%)
營造 3.26%
4.28% 塑化
批發零售 10.31%
5.61% 金屬
不動產 13.04%
4.40% 科技
運輸 2.71%
4.07% 機械
銀行保險 5.81%
5.23% 其他製造業
其他(含房貸) 39.46%
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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

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房貸利率 & 房貸成數比 (in %) 一銀房貸分析 (in %)
新承作房貸成數 房貸逾放比 : 0.07% (4Q22) 44% 北北基
平均房貸成數 平均房貸利率
宜蘭花東
1.84% 1.97% 3%
1.69%
1.44% 1.44%
10%
64.66% 64.45% 64.49% 64.51% 64.65% 高屏
46.03% 46.05% 46.34% 46.49% 46.82%
20%
桃竹苗
雲嘉南 10%
2021 1Q22 2Q22 3Q22 2022
中彰投
13%
近一年各月份新承作房貸金額 ↑4.3% (in NT$mn) 月份新承作房貸金額
37,905
37,471 33,134
15,803
10,697 10,971 12,822 13,916 13,252 14,623 11,944 11,517 10,743 10,874 11,087 12,597 14,221
7,765
10M21 11M21 12M21 1M22 2M22 3M22 4M22 5M22 6M22 7M22 8M22 9M22 10M22 11M22 12M22
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一銀2022年淨手續費結構

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2022 年累積淨手續費收益 (in NT$ mn or %) 累積淨手續費收益佔比
項目 2021 2022 Change
財富管理 [1 ] 54.9% 52.5% -2.4%
8,103
放款相關 22.1% 24.8% +2.7%
外匯 9.3% 8.9% -0.4%
+1.7%
7,969
信用卡 4.4% 4.6% +0.2%
其他 [2] 9.3% 9.2% -0.1%
2021 2022
累計手續費收益 累積淨手續費收益 100.0% 100.0%
2022 年累積淨手續費收益 (in NT$ mn)
↓ 2.8%
4,373 4,251
↑ 13.9%
1,764 2,009
↑ 6.3%
739 721 743 751
349 371
2021 2022 2021 2022 2021 2022 2021 2022 2021 2022
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

21

財富 管理 *

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一銀淨手續費收益 -季度比較

Fee Income (in NT$ mn) Fee Income (in NT$ mn)
2,193
2,118
2,101
1,869
2,015
468
560
504
390
502
128
117
118
123
123
511
517
565
452
475
195
173
175
181
110
89
92
87
103
218
191
165
197
198
471
563
433
445
465
192
4Q21
1Q22
2Q22
3Q22
4Q22
↑7.8%
基金銷售
↓2.7%
銀行保險
↑28.7%
QoQ
QoQ
其他
*
信用卡
放款相關
保管
銀行保險
基金銷售
每季淨手續
費收益
外匯相關

  • 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2022年營業費用比率

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

2022 年累積營業費用 (in NT$ mn ) 營業費用比率分析 ( in NT$ mn)
項目 2021 2022
24,210
22,379 淨收益 46,862 54,484
+8.2% 營業費用 (22,379) (24,210)
呆帳費用 ( 淨 ) (3,566) (6,486)
所得稅 (3,266) (3,460)
2021 2022
淨利 17,652 20,328
營業費用
季度營業費用 & 營業費用佔比 ( in NT$ mn or % )
淨利收 營業費用 累積營業費用佔比
47.76% 47.65%
45.37% 45.31% 45.72%
44.44%
43.75%
14,877 14,935
13,092
12,282
11,594 11,684 11,580
6,907
5,293 5,552 6,440 5,518 5,761 6,024
2Q21 3Q21 2021 1Q22 2Q22 3Q22 2022
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23

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一銀2022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 逾放金額 呆帳提存準備
709.24%
684.02%
595.90% 601.74% 620.31% 615.86% 620.39%
0.21%
0.20% 0.20% 0.20%
0.19%
0.18% 0.18%
24,381 25,086 25,014 25,745 26,229 27,527 29,226
4,092 4,169 4,033 4,180 4,228 4,024 4,121
6M21 9M21 2021 3M22 6M22 9M22 2022
個人 [1] 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
0.28% 0.30% 0.28% 0.29%
0.25%
0.12% 0.12% 0.13% 0.12% 0.11%
0.21%
0.10% 0.10% 0.09% 0.08% 0.07% 0.11% 0.08% 0.08% 0.07%
4Q21 1Q22 2Q22 3Q22 4Q22 4Q21 1Q22 2Q22 3Q22 4Q22
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  1. 個人 : 包含房貸及個人非房貸

24

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一銀 2022年海外業務盈餘

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

2022 年海外分行稅前獲利分析 ( in NT$ mn or %) 2022 年全行稅前獲利分析 ( in NT$ mn or %)
19.40%
2022 年
國內市場 ; 稅前獲利
69.96% 62.98% $23,788 mn
OBU/ 大中華
17.63% 2022 年
北美
海外稅前獲利
東協
$8,806 mn
其他
-12.50% 其他海外地區 ; 大中華 ( 含 OBU);
11.12% 25.90%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
41.74%
35.63% 32.90% 34.69% 37.73% 37.02%
6,682
6,075 5,783 6,116 5,207
3,499
2,266 2,414 1,714 2,883 1,795
676
3Q21 4Q21 1Q22 2Q22 3Q22 4Q22
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25

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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
135.13%
130.38%
123.18% 125.21% 124.07% 125.16%
118.70%
statutory CAR 100%
一銀資本適足率與第一類資本 (in %)
13.43% 13.63% 14.14% 14.21% 13.71% 13.76% CAR
13.00%
12.28% 12.48% Tier 1
11.44% 11.66% 11.69% 11.80%
11.11%
2H19 1H20 2H20 1H21 2H21 1H22 2H22
2H19 1H20 2H20 1H21 2H21 1H22 2H22
----- End of picture text -----

  • 2021/6/30 納入新版 LTV 法計算，主係房貸與土建融 (ADC) 之風險權數調整

  • •* 自結數

26

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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 %)

28 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
~~2018~~
~~2019~~
~~2020~~
~~2021~~
~~2021~~		 ~~2022~~ ~~Change~~
30,268
29,604
30,483
34,588
34,588
8,526
8,676
8,853
10,383
10,383
11,733
11,729
10,992
9,525
9,525
4,880
9,072
5,928
3,356
3,356
117
138
211
185
185
0
0
0
0
0		 9.8%
-9.4%
-5.7%
-2.5%
2.7%
--
-37.5%
-24.0%
580.0%
--
504.3%
-109.0%
3.5%
8.2%
81.6%
-4.0%
5.8%
4.5%
5.3%
4.3%
66.2%
-15.8%
4.3%
-
-15.8%
-
4.7%
N
N
N
G

R
G		 et interest income
et service fee & commission
et Insurance revenue
ain on financial assets meas.
at fair value through P/L
eal estate investment gain
ain on AFS financial assets		 37,969
9,409
8,980
3,271
190
G
 ain on financial assets at fair value
through other compre. income		 1,566
1,505
2,673
3,176
3,176		 1,984
In come from equity invest. 110
125
137
100
100		 76
E xcluding gainon fin.assetsmeasured atamort.cost 22
40
63
(10)
(10)		 (68)
R eserve of overlay approach 0
(22)
39
(43)
(43)		 237
N
A
O
N


O
In
In
C		 et gain on F/X
ssets impairment loss
thers
et Revenue
Net Provision for credit losses
Recovered(provided) for insurance res.
perating Expense
come from continued op. before tax
come tax expenses
onsolidatednetincome		 2,499
1,147
243
877
877
(90)
(18)
(42)
67
67
618
322
(12)
400
400
60,249
62,318
59,568
62,604
62,604
(5,486)
(3,852)
(4,511)
(3,621)
(3,621)
(11,153)
(11,256)
(10,707)
(9,275)
(9,275)
(22,906)
(23,901)
(24,730)
(26,275)
(26,275)
20,703
23,309
19,620
23,433
23,433
(3,370)
(3,940)
(2,812)
(3,694)
(3,694)
17,332
19,369
16,808
19,739
19,739		 5,300
(6)
414
67,756
(6,577)
(8,906)
(27,786)
24,487
(3,891)
20,596
O
C		 ther Items
omprehensive Income		 417
7,399
(2,248)
(4,847)
(4,847)
17,749
26,768
14,559
14,892
14,892		 (8,056)
12,540
N

 et Income attributed to:
Parent
Minorityinterests		 17,332
19,369
16,808
19,739
19,739
0
0
0
0
0		 20,596
0
C

 omprehensive Income attributed to:
Parent
Minorityinterests		 17,749
26,768
14,559
14,892
14,892
0
0
0
0
0		 12,540
0
EPS1(NT$)
1.35
1.49
1.30
1.49
1.49		 1.56

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第一金控非合併損益表

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

in NT$ million, NT$, or %
Full Year Results
Year-over-Year Comparison
2018
2019
2020
2021		 2021 2022 Change
Operating revenues
Income from long-term investment
Other income1
Total revenues
Loss from long-term investment
Operating expenses
Other expenses and losses
Income from continued op. before tax
Income from continued op. after tax
Income from discontinued op., net of tax
Net income
EPS2(NT$)		 17,904
19,835
17,146
20,163
227
190
187
170
18,131
20,025
17,333
20,333
(321)
0
0
0
(356)
(389)
(378)
(403)
(110)
(202)
(201)
(184)
17,344
19,434
16,753
19,747
17,332
19,369
16,808
19,739
0
0
0
0
17,332
19,369
16,808
19,739
1.35
1.51
1.30
1.49		 20,163
170
20,333
0
(403)
(184)
19,747
19,739
0
19,739
1.49		 21,094
176
21,270
0
(413)
(267)
20,590
20,596
0
20,596
1.56		 4.6%
3.5%
4.6%
-
2.5%
45.1%
4.3%
4.3%
--
4.3%
4.7%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

29

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第一金控資產負債表

FFHC Balance Sheet Summary ~~in NT$ million or million shares~~

FFHC Balance Sheet Summary
~~in NT$ million or million shares~~
Year-over-Year Comparison
Full Years Result
2018
2019
2020
2021		 2021 2022 Change
Non-consolidated Balance Sheet Data
Long-term investment
Total non-consolidated assets
Total liabilities
Total shareholders' equity
Conolidated Balance Sheet Data
Total consolidated assets
Total liabilities
Total shareholders' equity
Parent's shareholders' equity
Minority interests
Current shares outstanding**		 217,409
232,876
234,703
241,171
224,661
241,223
243,926
248,995
19,358
21,490
22,719
24,449
205,303
219,733
221,207
224,547
2,935,204
3,206,767
3,494,502
3,739,594
2,729,901
2,987,034
3,273,295
3,515,047
205,303
219,733
221,207
224,547
205,303
219,733
221,207
224,547
0
0
0
0
123,386
124,619
128,358
129,642		 241,171
248,995
24,449
224,547
3,739,594
3,515,047
224,547
224,547
0
129,642		 244,673
251,732
27,609
224,123
4,157,196
3,933,073
224,123
224,123
0
132,234		 1.5%
1.1%
12.9%
-0.2%
11.2%
11.9%
-0.2%
-0.2%
--
2.0%

*figures may not match due to rounding

30

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一 第 金控主要財務比率

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FFHC Key Ratios

FFHC Key Ratios
2018
2019
2020
2021
2021
2022
Change
0.62%
0.63%
0.50%
0.55%
0.55%
0.52%
-5.5%
8.58%
9.11%
7.62%
8.86%
8.86%
9.18%
3.6%
16.64
17.63
17.23
17.32
17.32
16.95
-2.1%
123,386
124,619
128,358
129,642
129,642
132,234
2.0%
105.90%
105.98%
106.10%
107.40%
107.40%
109.17%
1.6%
131.70%
118.70%
125.21%
130.38%
130.38%
125.16%
-4.0%
8.62%
8.91%
9.31%
9.82%
9.82%
10.97%
11.7%
Year-over-Year Comparison
Full Year Results
2021 2022 Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.55%
8.86%
17.32
129,642
107.40%
130.38%
9.82%		 0.52%
9.18%
16.95
132,234
109.17%
125.16%
10.97%		 -5.5%
3.6%
-2.1%
2.0%
1.6%
-4.0%
11.7%

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

  2. Updated semi-annually.

  3. Unconsolidated basis

31

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第一銀行損益表

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

第一銀行損益表
bject to final Reviewed
FB Comprehensive Income Statement Summary(Standalone)
in NT$ million or %
2018
2019
2020
2021
2021
2022
Change
Net interest income
28,669
27,832
28,534
32,263
32,263
35,001
8.5%
Net fee income
7,563
7,858
7,328
7,969
7,969
8,103
1.7%
Net gain on ST invest.
98
515
655
1,014
1,014
1,411
39.2%
Net gain on LT invest.
834
903
826
763
763
1,062
39.2%
Net gain on other fin. products
8,396
9,932
6,710
4,516
4,516
8,518
88.6%
Other net income
462
273
81
337
337
389
15.4%
Net revenue
46,022
47,313
44,134
46,862
46,862
54,484
16.3%
Operating expenses
(19,863)
(20,834)
(21,350)
(22,379)
(22,379)
(24,210)
8.2%
Pre-provisiion pre-tax profit
26,159
26,479
22,785
24,483
24,483
30,274
23.7%
Provision expense
(8,480)
(6,655)
(7,900)
(6,578)
(6,578)
(9,025)
37.2%
Adjustment: bad-debt recovery
3,017
2,898
3,471
3,013
3,013
2,539
-15.7%
Income before tax
20,696
22,722
18,356
20,918
20,918
23,788
13.7%
Income tax
(3,134)
(3,688)
(2,673)
(3,266)
(3,266)
(3,460)
5.9%
Net income
17,562
19,035
15,683
17,652
17,652
20,328
15.2%
Other items
503
6,450
(1,974)
(4,425)
(4,425)
(3,945)
-10.8%
Comprehensive income
18,065
25,485
13,709
13,227
13,227
16,382
23.9%
EPS
1.97
2.14
1.73
1.86
1.86
2.15
0.16
Year-over-Year Comparison
Full Year Results

32

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第一銀行主要財務比率

FB's Financial Results Summa

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
FB' s Financial Results Summa
FB Key Ratios
Year-over-Year Comparison
Full Year Results
2018
2019
2020
2021
2021
1.64%
1.59%
1.40%
1.41%
1.41%
1.18%
1.06%
1.00%
1.01%
1.01%
43.19%
44.02%
48.38%
47.76%
47.76%
78.71%
74.29%
71.04%
69.55%
69.55%
0.32%
0.24%
0.24%
0.20%
0.20%
0.34%
0.28%
0.24%
0.19%
0.19%
0.23%
0.08%
0.20%
0.24%
0.24%
389.64%
527.52%
527.32%
620.31%
620.31%		 2022 Change
4.96%
-1.98%
-6.95%
1.51%
-10.00%
0.00%
-58.33%
14.34%
Loan
Net I
Cost
Loan
NPL
Dom
Over
Cove		 to deposit spread
nterest Margin
to income ratio3
to deposit ratio1
ratio
estic NPL ratio
seas NPL ratio
rage ratio		 1.48%
0.99%
44.44%
70.60%
0.18%
0.19%
0.10%
709.24%
CAR
Tier-		 1 13.57%
13.00%
13.63%
14.21%
14.21%
11.58%
11.11%
11.66%
12.48%
12.48%		 13.76%
11.80%		 -3.17%
-5.45%
ROA
ROA		 A2
E2		 0.65%
0.64%
0.49%
0.51%
0.51%
8.71%
8.97%
7.16%
7.97%
7.97%		 0.53%
8.95%		 3.92%
12.30%
an to depoist ratio = total loan / total deposit
nualized figures.
  1. Loan to depoist ratio = total loan / total deposit 2. Annualized figures.

33

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第一銀行資產品質

FB NPL Migration in NT$ million or %

FB NPL Migration
in NT$ million or %
2020
2021
Q1
Q2
Q3
Q4
2021
2022
Change
NPL- beginning
4,249
4,500
4,033
4,180
4,228
4,024
4,500
4,033
-10.4%
Net new NPL influx
6,408
3,965
602
2,357
1,136
348
3,965
4,443
12.1%
Domestic
4,866
978
520
2,275
176
310
978
3,281
235.5%
Overseas
1,542
2,987
82
82
960
38
2,987
1,162
-61.1%
Net write-offs
(6,157)
(4,432)
(455)
(2,309)
(1,340)
(251)
(4,432)
(4,355)
-1.7%
NPL- ending balance
4,500
4,033
4,180
4,228
4,024
4,121
4,033
4,121
2.2%
Allowance for loan loss- beginning
22,414
23,728
25,014
25,745
26,229
27,527
23,728
25,014
5.4%
Provisions for loan loss
7,666
5,783
1,045
2,760
2,417
2,004
5,783
8,226
42.2%
Net write-offs
(6,157)
(4,432)
(455)
(2,309)
(1,340)
(251)
(4,432)
(4,355)
-1.7%
Others
(195)
(65)
141
33
221
(54)
(65)
341
-
Allowance for loan loss- ending
23,728
25,014
25,745
26,229
27,527
29,226
25,014
29,226
16.8%
Recovery from bad debt
3,471
3,012

717
1,192
259
372
3,012
2,540
-15.7%
Domestic
3,414
2,876
701
1,175
239
348

2,876
2,463
-14.4%
Overseas
8
92
5
6
9
11
92
31
-66.3%
Credit card
49
44
11
11
11
13
44
46
4.5%
1. Non-consolidated basis
Year-over-Year Comparison
2022Quarterly
Full Year Results
  1. Non-consolidated basis

34

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第一金證券營運報告

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First Sec Income Statement Summary in NT$ million or %

in NT$ million or %
2018
2019
2020
2021
2021
2022
Change
Full Year Results
Year-over-Year Comparison
899
777
1,351
2,255
2,255
1,382
0.0%
293
220
242
383
383
286
0.0%
97
45
77
132
132
78
0.0%
29
270
476
555
555
(63)
0.0%
34
89
127
183
183
246
0.0%
1,352
1,401
2,273
3,508
3,508
1,929
0.0%
(1,260)
(1,172)
(1,489)
(1,879)
(1,879)
(1,488)
0.0%
77
86
80
83
83
74
0.0%
169
315
864
1,712
1,712
515
0.0%
(55)
(43)
(120)
(216)
(216)
(112)
0.0%
0
0
0
0
0
0
#DIV/0!
114
272
744
1,496
1,496
403
0.0%
1.81%
4.28%
11.05%
19.79%
19.79%
5.22%
0.0%
0.61%
1.32%
2.81%
4.18%
4.18%
1.19%
0.0%
1.42%
1.39%
1.46%
1.43%
1.43%
1.38%
0.0%
2.53%
2.29%
2.40%
2.30%
2.30%
2.35%
0.0%
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
Cummulative effect of change in
accounting principles
Net income
First Sec Key Ratios
ROAE (Annualized)
ROAA (Annualized)
Brokerage market share
Margin loan market share

35

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第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

第一金投信營運報告 第一金投信營運報告
FSITC Income Statement Summary
in NT$ million or %
2018
2019
2020
2021
2021
2022
Change
Total operating income
Management fee
640
615
584
656
656
629
-4.1%
Sales service fee
13
28
33
26
26
20
-23.1%
Total operating income
653
643
617
682
682
649
-4.8%
Operating expenses
(540)
(559)
(532)
(564)
(564)
(552)
-2.1%
Non-operating income
12
21
8
12
12
(1)
-108.3%
Income before tax
125
105
93
130
130
96
-26.2%
Income tax
(24)
(19)
(18)
(24)
(24)
(20)
-16.7%
Income after tax
101
86
76
105
105
76
-27.6%
Cummulative effect of change in accounting principles
0
0
0
0
0
0
#DIV/0!
Net income
101
86
76
105
105
76
-27.6%
y
FSITC Key Ratios
AUM
85,558
105,042
108,605
112,979
112,979
100,051
-11.4%
AUM Ranking
9
10
11
13
13
15
1. Non-consolidated basis
Year-over-Year Comparison
Full Yeart Results

36

第一金人壽營運報告

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First Life Financial Results Summary in NT$ million or %
First Life Financial Results Summary
in NT$ million or %
2018
2019
2020
2021
2021
2022
Change
Income Statement Summary
Operating Revenue
13,506
14,435
14,865
14,401
14,401
16,689
15.9%
Premium Income
12,698
13,193
13,330
12,429
12,429
14,911
20.0%
Other insurance income
312
272
256
252
252
208
-17.5%
Net Investment Income
496
970
1,279
1,720
1,720
1,570
-8.7%
Operating Cost
13,022
13,565
13,743
13,047
13,047
15,761
20.8%
Reinsurance commission
49
59
68
78
78
94
20.5%
Reserves
11,192
11,304
10,745
9,312
9,312
8,980
-3.6%
Claims
851
1,329
2,210
2,769
2,769
5,740
107.3%
Commission
930
873
720
888
888
945
6.4%
Others
0
0
0
0
0
2 --
Operating Expenses
(638)
(655)
(730)
(752)
(752)
(783)
4.1%
Profit/Loss of Operation
(154)
215
392
601
601
145
-75.9%
Non-Operating Profit
0
0
0
0
0
0
--
Profit/Loss Before Tax
(154)
215
392
601
601
145
-75.9%
Income tax
13
29
94
(1)
(1)
(83)
8200.0%
Net Income after tax
(141)
244
485
600
600
62
-89.7%
Key Ratios
ROAE(Annualized ratio)
-13.46%
10.44%
14.02%
13.85%
13.85%
1.91%
-86.2%
ROAA(Annualized ratio)
-0.34%
0.47%
0.76%
0.82%
0.82%
0.08%
-90.2%
Year-over-Year Comparison
Full Year Result

37

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Q&A
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