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First Financial Holding Co. Ltd. Annual Report 2024

Mar 6, 2025

52222_rns_2025-03-06_632bb9ba-a89b-47e7-9a2c-d2164905abb9.pdf

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第一金控 2024 年全年營運報告

March 6, 2025

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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

  • 財務概要

  • 營運成果

  • 附件

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業 務摘錄

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2024年獲利表現

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集團獲利趨勢 (in NT$ mn )
Consolidated Net Income
+12.9%
25,359
22,461
20,596
19,369 19,739
17,332 16,808
15,432
2017 2018 2019 2020 2021 2022 2023 2024
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2024年獲利新高；2025年展望突破

全年稅後淨利年增12.9%，創新高達新台幣253.59億元

第一金年度結算每股盈餘達NT$ 1.81元，銀行稅後淨利亦創高點達新台幣238.06億元（ +10.6% YoY），銀行外之子公司合計之稅後淨利達新台幣23.16億元（+29.3% YoY）。

獲利聚焦在銀行之淨手收與金融商品損益

財管業務帶動下，淨手收年增34.1% ，金融商品利得受惠於股市熱絡與SWAP交易而年增 11.1% 。

放款年增9.5%

2024年房貸年成長15.0%，新增房貸量在央行冷卻房市措施下已逐季下降，另在美金強勢 升值及川普效應下，年底外幣放款與中小企業貸款雙雙成長。

面對2025年川普2.0登場，持續資本管理之永續成長策略

2025年由川普2.0政策揭開序幕，特別是關稅之衝擊為經濟成長及通貨膨脹投下陰影，並 加劇國家衝突與考驗供應鏈秩序。聯準會目前暫停降息循環政策，市場成長動力仍繫於 人工智慧，第一金則續著重資本管理與獲利優化之營運策略。

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財務概要

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第一金主要財務數字

銀行
NT$23,806; 93.9%
證券
NT$1,183; 4.7%
投信
NT$148; 0.6 %
其他
-NT$528; -2.1%
人壽
NT$581; 2.3%
獲利組合1 ( in NT$ mn)
AMC
NT$169; 0.6%		 經營績效( in NT$ dollar, NT$ mn )
稅後淨利1
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
雙重槓桿比率3
2024
25,359
31,018
4,704,422
1.81
19.10
140,287
9.82%
0.56%
126.05%
111.97%
YoY %
+12.9%
-11.1%
+6.2%
+13.1%
+4.7%
+3.0%
+3.3%
+7.7%
-3.1%
+1.1%
2023
22,461
34,901
4,429,410
1.60
18.24
136,201
9.51%
0.52%
130.05%
110.73%

1.[合併沖銷後之金額]

2.[年化後數字]

3.[雙重槓桿比率] =[股權投資] /[股東權益]

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第一金稅後淨利與綜合損益

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2024 年合併淨利與綜合損益 (in NT$ mn)
↑ 7.2%
↑ 12.9% ↓ 11.1%
2023 年合併淨利與綜合損益 (in NT$ mn)
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子公司獲利表現*

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2024 年主要子公司稅後淨利 (in NT$ mn)
↑ 12.9%
↑ 10.6%
25,359
23,806
↑ 21.0% ↑ 28.7% ↑ 33.3%
1,183 148 581 169
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
2023 年主要子公司稅後淨利 (in NT$ mn)
21,526 22,461
978 115 436 161
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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營運成果

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第一金與一銀獲利能力 - 稅後淨利

第一金淨利 & 年化股東權益報酬率 (in NT$ mn & %)

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累積淨利 年化股東權益報酬率
11.52% 11.46% 10.88% 11.04% 10.92% 10.80%
9.18% 9.51% 9.82%
1
20,596 6,630 13,158 19,027 22,46115377,9369,293,8764,13378,16808,5029,10913, 7,015 13,729 20,808 25,359
8
2022 3M23 6M23 9M23 2023 3M24 6M24 9M24 2024
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
8.95% 10.72% 10.38% 10.04% 8.89% 10.04% 9.92% 9.84% 8.99%
23,806
21,526
20,328 18,016 19,443
12,256 12,799
6,320 6,493
2022 3M23 6M23 9M23 2023 3M24 6M24 9M24 2024
1 9 2 1
9 M 6 M
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一銀稅前獲利結構

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||||||||||
|---|---|---|---|---|---|---|---|---|
|累積淨收益|(in NT$ mn or %)|一銀各項淨收益及費用佔比分析|(in %)|
|項目|2023|2024|Change|
|淨利收|49.8%|44.3%|-5.5%|
|62,930|
|淨手續費收益|15.2%|19.0%|+3.8%|
|+7.2%|
|投資收益|/|短投|2.1%|1.8%|-0.3%|
|58,720|投資收益|/|長投|1.9%|2.1%|+0.2%|
|投資收益|/|其他金融商品|30.1%|31.5%|+1.4%|
|其他|0.9%|1.3%|+0.4%|
|2023|2024|
|淨收益|100.0%|100.0%|
|累積淨收益|呆帳費用|z|(|淨額|)|-9.8%|-9.1%|+0.7%|
|營業費用|-44.8%|-44.4%|+0.4%|
|稅前獲利|45.4%|46.5%|+1.1%|
|稅前獲利結構|(in NT$ mn )|
|↓|4.6%|↑|6.1%|
|↑|11.1%|
|29,245|27,888|27,926|
|↑|34.1%|22,237|↓|15.8%|↓|32.2%|26,329|
|20,016|
|11,962|11,305|
|8,919|9,521|
|5,542|
|3,760|
|2023|2024 2023 2024|2023 2024|2023 2024|2023 2024|2023 2024|
|淨利收|淨手收|金融商品收益|呆帳費用|(|毛額|)|呆帳收回|營業費用|

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一銀放款結構

總放款1 (in NT$ bn)
總放款1
2,413.3
2,642.9
2023
2024
+9.5%		 總放款1 (in NT$ bn)
總放款1
2,413.3
2,642.9
2023
2024
+9.5%
總放款1結構(in NT$ bn )
房屋貸款
大企業放款
外幣放款
其他3
中小企業放款2
626.5
317.1
925.8
401.4
142.5
720.6
349.3
960.6
443.3
169.1
↑15.0%
↑10.2%
↑3.8%
↑10.4%
other
consumer
loan
100.8 bn
Overseas
297.3
↑7.2%
Overseas
318.6
20232024
20232024
20232024
20232024
20232024

  1. 總放款不含催收款

  2. 中小企業放款依經濟部 ” 中小企業認定標準 ”

  3. 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

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一銀季度放款成長 (in NT$ bn)
QoQ%
2,413.3 2,492.2 2,529.7 2,570.0 2,642.9
↑ 2.8%
720.6
646.1 674.3 699.8
626.5
房屋貸款 ↑ 3.0%
960.6 中小企業放款↑ 1.4%
927.9 962.1 947.8
925.8
大企業放款 ↑ 2.8%
317.1 309.4 325.3 339.7 349.3
外幣放款 ↑ 3.7%
401.4 418.3 428.6 427.6 443.3
142.5 190.5 139.4 155.1 169.1 其他
4Q23 1Q24 2Q24 3Q24 4Q24
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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 (in NT$ bn or % ) 總放款 [1] 存放比
69.99% 69.60% 70.24% 69.08% 69.79% 69.59% 71.02% 71.11% 台幣 83.1%
外幣 42.4%
2,373.9 2,344.4 2,406.7 2,417.5 2,497.2 2,534.4 2,574.5 2,647.2
3M23 6M23 9M23 2023 3M24 6M24 9M24 2024
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [2] NIM [2]
1.36%
1.34% 1.36% 1.34%
1.21% 1.20%
1.18% 1.17%
0.77% 0.76% 0.76% 0.76%
0.70% 0.70% 0.68% 0.67%
3M23 6M23 9M23 2023 3M24 6M24 9M24 2024
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  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

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一銀存放款利率及利差

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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 )
1.31% 1.30% 1.30%
1.28% 1.29%
2.26% 2.25% 2.36% 2.37% 2.36%
0.95% 0.97% 1.06% 1.07% 1.07%
4Q23 1Q24 2Q24 3Q24 4Q24
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 )
2.72%
2.58%
2.50%
2.35%
2.21%
6.51% 6.40% 6.47% 6.33% 5.93%
3.79% 3.82% 3.97% 3.98% 3.72%
4Q23 1Q24 2Q24 3Q24 4Q24
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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

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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
1,045.2
933.2
+12.0%
△
總存款
$3,692.6 bn 64.09% 62.62% 63.31% 62.75%
+5.5% YoY
2,566.2 2,647.4 1H23 2023 1H24 2024
+3.2%
2023 2024
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一銀特定產業貸放集中度

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特定產業貸放佔比
製造業 (23.56%) 非製造業 (76.44%)
4.46% 塑化 營造 2.87%
批發零售 9.74%
5.33% 金屬
不動產 11.35%
4.83% 電子資訊
運輸倉儲 2.51%
3.85% 機械
金融保險 5.35%
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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 : 0.08%
平均房貸成數 平均房貸利率
北北基
43.1%
花東宜蘭
3.0%
2.30% 2.29% 2.28%
2.18% 2.18%
高屏 桃竹苗
11.0% 19.8%
64.53% 64.67% 64.79% 64.82% 64.86%
47.26% 47.66% 48.24% 48.61% 48.84%
雲嘉南
10.2%
中彰投
4Q23 1Q24 2Q24 3Q24 4Q24 12.9%
單月新承作房貸金額 ↑4.3%(in NT$mn)
單月新承作房貸金額
49,867
44,925 39,817
16,527 16,175 [19,319 18,009 18,976 ]
14,482 [14,992 15,451 17,480 ] 16,811 14,080 13,452 13,885 12,480
10,275
10M23 11M23 12M23 1M24 2M24 3M24 4M24 5M24 6M24 7M24 8M24 9M24 10M24 11M24 12M24
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一銀淨手續費結構

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||||||||
|---|---|---|---|---|---|---|
|累積淨手續費收益|(in NT$ mn or %)|淨手續費結構|
|項目|2023|2024|Change|
|11,962|財富管理|[1 ]|57.2%|60.9%|+3.7%|
|放款相關|23.7%|23.9%|+0.2%|
|+34.1%|
|外匯|7.7%|5.8%|-1.9%|
|8,919|
|信用卡|3.7%|3.3%|-0.4%|
|2023|2024|其他|[2]|7.7%|6.1%|-1.6%|
|累積淨手續費收益|
|淨手續費收益|100.0%|100.0%|
|累積淨手續費收益|(in NT$ mn)|
|↑|42.8%|
|7,282|
|↑|35.2%|
|5,099|
|2,855|
|2,112|
|685|700|331|397|692|728|
|2023|2024|2023 2024|2023|2024|2023 2024|2023 2024|
|財富管理|[1]|放款相關|外匯|信用卡|其他|[2]|

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  1. 財富管理手續費收入 = 基金銷售 + 銀行保險 + 保管

  2. 分行（含海外分行）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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季度淨手續費收益 (in NT$ mn)
QoQ
3,263
3,083 ↑ 10.2%
2,819 2,797
2,246
每季淨手續費
收益
153
89
208
161
120
159
207 186
94
95
181
172
其他 * 1,132 565
142
信用卡 81 610 548
179 168
外匯相關
放款相關 499 139 150 167
136 1,121
837 858 857 銀行保險
↑30.8 %
財富管理 * 保管 711
銀行保險
752 767 751
基金銷售 715
基金銷售
498
↓ 4.8%
4Q23 1Q24 2Q24 3Q24 4Q24
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  • 分行（含海外分行）通路手續費

  • 財富管理手續費收入 = 基金銷售 + 銀行保險 + 保管

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一銀營業費用

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累積營業費用 (in NT$ mn ) 營業費用 ( in NT$ mn)
項目 2023 2024
27,926
26,329 淨收益 58,720 62,930
+6.1% 營業費用 (26,329) (27,926)
呆帳費用 ( 淨 ) (5,763) (5,761)
所得稅 (5,102) (5,437)
2023 2024
淨利 21,526 23,806
累積營業費用
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季度營業費用 & 累積營業費用佔比 ( in NT$ mn or % )
淨利收 營業費用 累積營業費用佔比
44.84% 44.18% 44.38%
42.02% 43.24% 42.06% 42.56%
17,461
14,931 14,608 13,961 15,595 15,389 14,485
6,449 6,685 6,976 6,559 7,129 6,928 7,310
2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24
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一銀資產品質

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逾放金額 , 呆帳提存準備 , 覆蓋率 , 逾放比 (in NT$ mn or % )
覆蓋率 逾放比 逾放金額 呆帳提存準備
797.04% 826.96% 819.77%
735.70% 742.13% 745.24% 769.77%
0.18% 0.18% 0.18% 0.18%
0.17% 0.17% 0.17%
30,681 31,856 33,897 32,848 33,473 35,170 36,727
4,170 3,997 4,099 4,426 4,492 4,569 4,480
6M23 9M23 2023 3M24 6M24 9M24 2024
個人 [1] 與房貸逾放比率 (in %) 大企業與中小企業逾放比 (in %)
大企業 中小企業
個人 房貸
0.21%
0.17% 0.17% 0.16% 0.17%
0.10%
0.08% 0.08% 0.08%
0.07%
0.08%
0.06% 0.06% 0.06% 0.07% 0.00% 0.00% 0.00% 0.00% 0.02%
2023 3M24 6M24 9M24 2024 2023 3M24 6M24 9M24 2024
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  1. 個人 : 包含房貸及個人非房貸

24

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一銀海外業務盈餘

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

海外分行稅前獲利分析 ( in NT$ mn or %) 全行稅前獲利分析 ( in NT$ mn or %)
18.32% 2024 全行稅前獲利 NT$29,243 mn
OBU/ 大中華
39.16% 北美
2024
海外其他 ,
14.40% 海外稅前獲利 東協 16.83% 國內市場 ,
72.33%
$8,091 mn
其他
28.12% OBU/ 大中華 , 10.84%
季度海外稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
19.54% 18.91% 23.97% 22.93% 27.67%
9.49%
7,873 7,804 7,997
7,002
5,569
4,545
1,205 720 747 3,010 1,672 2,662
3Q23 4Q23 1Q24 2Q24 3Q24 4Q24
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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 %)
集團資本適足率 法定資本適足率
130.05%
128.09%
124.07% 125.16% 122.45% 126.05%
100%
1H22 2H22 1H23 2H23 1H24 2H24
一銀資本適足率與第一類資本 (in %)
一銀資本適足率 第一類資本
14.45%
13.71% 13.76% 14.26% 14.56% 13.87%
11.69% 11.80% 12.32% 12.61% 11.96% 12.29%
1H22 2H22 1H23 2H23 1H24 2H24
----- End of picture text -----

26

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附件

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第一金控合併損益表

第一金控合併損益表 第一金控合併損益表 第一金控合併損益表 第一金控合併損益表 第一金控合併損益表
F FHC Consolidated Income Statement Summary (in NT$ million or %)
Full Year Results Year-over-Year Comparison
2020
2021
2022
2023		 2023 2024 Change
N
N
N
G

R		 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		 30,483
34,588
37,969
32,525
8,853
10,383
9,409
10,187
10,992
9,525
8,980
3,147
5,928
3,356
3,271
19,205
211
185
190
212		 32,525
10,187
3,147
19,205
212		 31,234
12,782
3,671
19,237
540		 -4.0%
25.5%
16.7%
0.2%
154.7%
G
 ain on financial assets at fair value
through other compre. income		 2,673
3,176
1,984
584		 584 1,672 186.3%
In come from equity invest. 137
100
76
155		 155 127 -18.1%
E xcluding gain on fin. assets measured at amort.cost 63
(10)
(68)
(409)		 (409) (537) 31.3%
R eserve of overlay approach 39
(43)
237
(235)		 (235) (441) 87.7%
N
A
O
N
N
R
O
In
In
C		 et gain on F/X
ssets impairment loss
thers
et Revenue
et Provision for credit losses
ecovered(provided) for insurance res.
perating Expense
come from continued op. before tax
come tax expenses
onsolidated net income		 243
877
5,300
1,158
(42)
67
(6)
(50)
(12)
400
414
776
59,568
62,604
67,756
67,255
(4,511)
(3,621)
(6,577)
(5,818)
(10,707)
(9,275)
(8,906)
(2,793)
(24,730)
(26,275)
(27,786)
(30,382)
19,620
23,433
24,487
28,262
(2,812)
(3,694)
(3,891)
(5,801)
16,808
19,739
20,596
22,461		 1,158
(50)
776
67,255
(5,818)
(2,793)
(30,382)
28,262
(5,801)
22,461		 3,535
(155)
454
72,119
(5,763)
(2,614)
(32,505)
31,237
(5,878)
25,359		 205.3%
210.0%
-41.5%
7.2%
-0.9%
-6.4%
7.0%
10.5%
1.3%
12.9%
O
C		 ther Items
omprehensive Income		 (2,248)
(4,847)
(8,056)
12,440
14,559
14,892
12,540
34,901		 12,440
34,901		 5,659
31,018		 -54.5%
-11.1%
E PS1(NT$) 1.30
1.49
1.51
1.60		 1.60 1.81
1. EPS is adjusted retroactively for stock dividends paid the next year
  1. EPS is adjusted retroactively for stock dividends paid the next year

28

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第一金控非合併損益表
FFHC Non-consolidated Income Statement Summary
in NT$ million, NT$, or %
2020
2021
2022
2023
2023
2024
Change
Operating revenues
17,333
20,333
21,270
23,514
23,514
26,359
12.1%
Income from long-term investment
17,146
20,163
21,094
23,318
23,318
26,124
12.0%
Other income
187
170
176
196
196
235
19.9%
Operating expenses
(378)
(403)
(413)
(440)
(440)
(485)
10.2%
Other expenses and losses
(201)
(184)
(267)
(381)
(381)
(465)
22.0%
Income from continued op. before tax
16,753
19,747
20,590
22,693
22,693
25,409
12.0%
Net income
16,808
19,739
20,596
22,461
22,461
25,359
12.9%
EPS1(NT$)
1.30
1.49
1.51
1.60
1.60
1.81
13.1%
Year-over-Year Comparison
Full Year Results		 第一金控非合併損益表
FFHC Non-consolidated Income Statement Summary
in NT$ million, NT$, or %
2020
2021
2022
2023
2023
2024
Change
Operating revenues
17,333
20,333
21,270
23,514
23,514
26,359
12.1%
Income from long-term investment
17,146
20,163
21,094
23,318
23,318
26,124
12.0%
Other income
187
170
176
196
196
235
19.9%
Operating expenses
(378)
(403)
(413)
(440)
(440)
(485)
10.2%
Other expenses and losses
(201)
(184)
(267)
(381)
(381)
(465)
22.0%
Income from continued op. before tax
16,753
19,747
20,590
22,693
22,693
25,409
12.0%
Net income
16,808
19,739
20,596
22,461
22,461
25,359
12.9%
EPS1(NT$)
1.30
1.49
1.51
1.60
1.60
1.81
13.1%
Year-over-Year Comparison
Full Year Results		 第一金控非合併損益表
FFHC Non-consolidated Income Statement Summary
in NT$ million, NT$, or %
2020
2021
2022
2023
2023
2024
Change
Operating revenues
17,333
20,333
21,270
23,514
23,514
26,359
12.1%
Income from long-term investment
17,146
20,163
21,094
23,318
23,318
26,124
12.0%
Other income
187
170
176
196
196
235
19.9%
Operating expenses
(378)
(403)
(413)
(440)
(440)
(485)
10.2%
Other expenses and losses
(201)
(184)
(267)
(381)
(381)
(465)
22.0%
Income from continued op. before tax
16,753
19,747
20,590
22,693
22,693
25,409
12.0%
Net income
16,808
19,739
20,596
22,461
22,461
25,359
12.9%
EPS1(NT$)
1.30
1.49
1.51
1.60
1.60
1.81
13.1%
Year-over-Year Comparison
Full Year Results		 第一金控非合併損益表
FFHC Non-consolidated Income Statement Summary
in NT$ million, NT$, or %
2020
2021
2022
2023
2023
2024
Change
Operating revenues
17,333
20,333
21,270
23,514
23,514
26,359
12.1%
Income from long-term investment
17,146
20,163
21,094
23,318
23,318
26,124
12.0%
Other income
187
170
176
196
196
235
19.9%
Operating expenses
(378)
(403)
(413)
(440)
(440)
(485)
10.2%
Other expenses and losses
(201)
(184)
(267)
(381)
(381)
(465)
22.0%
Income from continued op. before tax
16,753
19,747
20,590
22,693
22,693
25,409
12.0%
Net income
16,808
19,739
20,596
22,461
22,461
25,359
12.9%
EPS1(NT$)
1.30
1.49
1.51
1.60
1.60
1.81
13.1%
Year-over-Year Comparison
Full Year Results		 第一金控非合併損益表
FFHC Non-consolidated Income Statement Summary
in NT$ million, NT$, or %
2020
2021
2022
2023
2023
2024
Change
Operating revenues
17,333
20,333
21,270
23,514
23,514
26,359
12.1%
Income from long-term investment
17,146
20,163
21,094
23,318
23,318
26,124
12.0%
Other income
187
170
176
196
196
235
19.9%
Operating expenses
(378)
(403)
(413)
(440)
(440)
(485)
10.2%
Other expenses and losses
(201)
(184)
(267)
(381)
(381)
(465)
22.0%
Income from continued op. before tax
16,753
19,747
20,590
22,693
22,693
25,409
12.0%
Net income
16,808
19,739
20,596
22,461
22,461
25,359
12.9%
EPS1(NT$)
1.30
1.49
1.51
1.60
1.60
1.81
13.1%
Year-over-Year Comparison
Full Year Results		 第一金控非合併損益表
FFHC Non-consolidated Income Statement Summary
in NT$ million, NT$, or %
2020
2021
2022
2023
2023
2024
Change
Operating revenues
17,333
20,333
21,270
23,514
23,514
26,359
12.1%
Income from long-term investment
17,146
20,163
21,094
23,318
23,318
26,124
12.0%
Other income
187
170
176
196
196
235
19.9%
Operating expenses
(378)
(403)
(413)
(440)
(440)
(485)
10.2%
Other expenses and losses
(201)
(184)
(267)
(381)
(381)
(465)
22.0%
Income from continued op. before tax
16,753
19,747
20,590
22,693
22,693
25,409
12.0%
Net income
16,808
19,739
20,596
22,461
22,461
25,359
12.9%
EPS1(NT$)
1.30
1.49
1.51
1.60
1.60
1.81
13.1%
Year-over-Year Comparison
Full Year Results		 第一金控非合併損益表
FFHC Non-consolidated Income Statement Summary
in NT$ million, NT$, or %
2020
2021
2022
2023
2023
2024
Change
Operating revenues
17,333
20,333
21,270
23,514
23,514
26,359
12.1%
Income from long-term investment
17,146
20,163
21,094
23,318
23,318
26,124
12.0%
Other income
187
170
176
196
196
235
19.9%
Operating expenses
(378)
(403)
(413)
(440)
(440)
(485)
10.2%
Other expenses and losses
(201)
(184)
(267)
(381)
(381)
(465)
22.0%
Income from continued op. before tax
16,753
19,747
20,590
22,693
22,693
25,409
12.0%
Net income
16,808
19,739
20,596
22,461
22,461
25,359
12.9%
EPS1(NT$)
1.30
1.49
1.51
1.60
1.60
1.81
13.1%
Year-over-Year Comparison
Full Year Results
FFHC Non-consolidated Income Statement Summary
i n NT $ million, NT$, or %
Full Year Results
2020
2021
2022
2023		 2023 2024 Change
O
O
O
I
N		 perat
Inco
Othe
perat
ther e
ncome
et inc		 ing revenues
me from long-term investment
r income
ing expenses
xpenses and losses
from continued op. before tax
ome		 17,333
20,333
21,270
23,514
17,146
20,163
21,094
23,318
187
170
176
196
(378)
(403)
(413)
(440)
(201)
(184)
(267)
(381)
16,753
19,747
20,590
22,693
16,808
19,739
20,596
22,461		 23,514
23,318
196
(440)
(381)
22,693
22,461		 26,359
26,124
235
(485)
(465)
25,409
25,359		 12.1%
12.0%
19.9%
10.2%
22.0%
12.0%
12.9%
E PS1( NT$) 1.30
1.49
1.51
1.60		 1.60 1.81 13.1%
. EPS
  1. EPS is adjusted retroactively for stock dividends paid the next year.

29

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一 第 金控資產負債表
F FHC Balance Sheet Summary

i
n NT$ million or million shares		 2023
2024
Change
271,903
296,683
9.1%
280,569
303,714
8.2%
32,125
35,828
11.5%
248,444
267,886
7.8%
4,429,410
4,704,422
6.2%
4,180,966
4,436,536
6.1%
248,444
267,886
7.8%
136,201
140,287
3.0%
Year-over-Year Comparison
2020
2021
2022
2023
Full Years Result
2023 2024 Change
N on-consolidated Balance Sheet Data
L
T
T
T		 ong-term investment
otal non-consolidated assets
otal liabilities
otal shareholders' equity		 234,703
241,171
244,673
271,903
243,926
248,995
251,732
280,569
22,719
24,449
27,609
32,125
221,207
224,547
224,123
248,444		 271,903
280,569
32,125
248,444		 296,683
303,714
35,828
267,886		 9.1%
8.2%
11.5%
7.8%
C
T
T
T
C		 onolidated Balance Sheet Data
otal consolidated assets
otal liabilities
otal shareholders' equity
urrent shares outstanding*		 3,494,502
3,739,594
4,157,196
4,429,410
3,273,295
3,515,047
3,933,073
4,180,966
221,207
224,547
224,123
248,444
128,358
129,642
132,234
136,201		 4,429,410
4,180,966
248,444
136,201		 4,704,422
4,436,536
267,886
140,287		 6.2%
6.1%
7.8%
3.0%

30

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第一金控主要財務比率

FFHC Key Ratios

FF HC Key Ratios HC Key Ratios HC Key Ratios HC Key Ratios HC Key Ratios HC Key Ratios
Full Year Results Year-over-Year Comparison
2020
2021
2022
2023		 2023 2024 Change
A
A
B
C
D

D		 ft
ft
o
a
o
Gr
e		 er-tax ROAA (Annualized ratio)
er-tax ROAE (Annualized ratio)
ok Per Share
pital Stock
uble leverage
oup CAR
bt Ratio1		 0.50%
0.55%
0.52%
0.52%
7.62%
8.86%
9.18%
9.51%
17.23
17.32
16.95
18.24
128,358
129,642
132,234
136,201
107.55%
108.75%
110.38%
110.73%
125.21%
130.35%
125.16%
130.05%
9.31%
9.82%
10.97%
11.45%		 0.52%
9.51%
18.24
136,201
110.73%
130.05%
11.45%		 0.56%
9.82%
19.10
140,287
111.97%
126.05%
11.80%		 7.7%
3.3%
4.7%
3.0%
1.1%
-3.1%
3.1%
1 . Non-consolidated basis
  1. Non-consolidated basis

31

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第一銀行非合併損益表

FB Non-Consolidated Income Statement Summary in NT$ million or %

第一銀行非合併損益表
bject to final Reviewed
Non-Consolidated Income Statement Summary
T$ million or %
2020
2021
2022
2023
2023
2024
Change
nterest income
28,534
32,263
35,001
29,245
29,245
27,888
-4.6%
ee income
7,328
7,969
8,103
8,919
8,919
11,962
34.1%
ain on ST invest.
655
1,014
1,411
1,228
1,228
1,107
-9.9%
ain on LT invest.
826
763
1,062
1,104
1,104
1,316
19.2%
ain on other fin. products
6,710
4,516
8,518
17,684
17,684
19,814
12.0%
r net income
81
337
389
540
540
843
56.1%
evenue
44,134
46,862
54,484
58,720
58,720
62,930
7.2%
ating expenses
(21,350)
(22,379)
(24,210)
(26,329)
(26,329)
(27,926)
6.1%
rovisiion pre-tax profit
22,785
24,483
30,274
32,391
32,391
35,004
8.1%
sion expense
(7,900)
(6,578)
(9,025)
(11,305)
(11,305)
(9,521)
-15.8%
stment: bad-debt recovery
3,471
3,013
2,539
5,542
5,542
3,760
-32.2%
me before tax
18,356
20,918
23,788
26,628
26,628
29,243
9.8%
me tax
(2,673)
(3,266)
(3,460)
(5,102)
(5,102)
(5,437)
6.6%
ncome
15,683
17,652
20,328
21,526
21,526
23,806
10.6%
er items
(1,974)
(4,425)
(3,946)
8,526
8,526
5,336
-37.4%
prehensive income
13,709
13,227
16,382
30,052
30,052
29,142
-3.0%
1(NT$)
1.73
1.86
1.99
1.95
1.95
2.16
10.8%
Year-over-Year Comparison
Full Year Results

32

==> picture [181 x 31] intentionally omitted <==

一 第 銀行主要財務比率
F Ke Ratios
**y ** ~~Year-over-Year Comparison~~
~~Full Year Results~~
2020
2021
2022
2023
1.40%
1.41%
1.48%
1.34%
1.00%
1.01%
0.99%
0.76%		 2023 2024 Change
-12.7%
-11.8%
Lo
Ne		 an to deposit spread
t Interest Margin		 1.34%
0.76%		 1.17%
0.67%
Co
Lo
NP
Do
Ov
Co
CA
Tie
R
R		 st to income ratio
an to deposit ratio
L ratio
mestic NPL ratio
erseas NPL ratio
verage ratio
R
r-1
OAA (Annualized)
OAE (Annualized)		 48.38%
47.76%
44.44%
44.84%
71.04%
69.55%
70.60%
69.08%
0.24%
0.20%
0.18%
0.17%
0.24%
0.19%
0.19%
0.14%
0.20%
0.24%
0.10%
0.35%
527.32%
620.31%
709.24%
826.96%
13.63%
14.21%
13.76%
14.56%
11.66%
12.48%
11.80%
12.61%
0.49%
0.51%
0.53%
0.52%
7.16%
7.97%
8.95%
8.89%		 44.84%
69.08%
0.17%
0.14%
0.35%
826.96%
14.56%
12.61%
0.52%
8.89%		 44.38%
71.11%
0.17%
0.12%
0.42%
819.77%
14.45%
12.29%
0.54%
8.99%		 -1.0%
2.9%
0.0%
-14.3%
20.0%
-0.9%
-0.8%
-2.5%
3.8%
1.1%

33

==> picture [181 x 31] intentionally omitted <==

第一銀行資產品質

FB NPL Migration in NT$ million or %

2022
2023
Q1
Q2
Q3
Q4
2023
2024
Change
4,033
4,121
4,099
4,426
4,492
4,569
4,121
4,099
-0.5%
4,443
6,522
3,502
1,073
1,527
764
6,522
6,866
5.3%
3,281
1,191
531
985
500
950
1,191
2,966
149.0%
1,162
5,331
2,971
88
1,027
(186)
5,331
3,900
-26.8%
(4,355)
(6,544)
(3,175)
(1,007)
(1,450)
(853)
(6,544)
(6,485)
-0.9%
4,121
4,099
4,426
4,492
4,569
4,480
4,099
4,480
9.3%
25,014
29,226
33,897
32,848
33,473
35,170
29,226
33,897
16.0%
8,226
11,378
1,963
1,578
3,261
2,377
11,378
9,179
-19.3%
(4,355)
(6,544)
(3,175)
(1,007)
(1,450)
(853)
(6,544)
(6,485)
-0.9%
341
(163)
163
54
(114)
33
(163)
136
--
29,226
33,897
32,848
33,473
35,170
36,727
33,897
36,727
8.3%
2,539
5,542
446
1,182
568
1,564
5,542
3,760
-32.2%
2,463
3,405
404
405
519
612
3,405
1,940
-43.0%
31
2,083
29
762
37
937
2,083
1,765
-15.3%
45
54
13
15
12
15
54
55
1.9%
Year-over-Year Comparison
2024 Quarterly
Full Year Results		 2022
2023
Q1
Q2
Q3
Q4
2023
2024
Change
4,033
4,121
4,099
4,426
4,492
4,569
4,121
4,099
-0.5%
4,443
6,522
3,502
1,073
1,527
764
6,522
6,866
5.3%
3,281
1,191
531
985
500
950
1,191
2,966
149.0%
1,162
5,331
2,971
88
1,027
(186)
5,331
3,900
-26.8%
(4,355)
(6,544)
(3,175)
(1,007)
(1,450)
(853)
(6,544)
(6,485)
-0.9%
4,121
4,099
4,426
4,492
4,569
4,480
4,099
4,480
9.3%
25,014
29,226
33,897
32,848
33,473
35,170
29,226
33,897
16.0%
8,226
11,378
1,963
1,578
3,261
2,377
11,378
9,179
-19.3%
(4,355)
(6,544)
(3,175)
(1,007)
(1,450)
(853)
(6,544)
(6,485)
-0.9%
341
(163)
163
54
(114)
33
(163)
136
--
29,226
33,897
32,848
33,473
35,170
36,727
33,897
36,727
8.3%
2,539
5,542
446
1,182
568
1,564
5,542
3,760
-32.2%
2,463
3,405
404
405
519
612
3,405
1,940
-43.0%
31
2,083
29
762
37
937
2,083
1,765
-15.3%
45
54
13
15
12
15
54
55
1.9%
Year-over-Year Comparison
2024 Quarterly
Full Year Results		 2022
2023
Q1
Q2
Q3
Q4
2023
2024
Change
4,033
4,121
4,099
4,426
4,492
4,569
4,121
4,099
-0.5%
4,443
6,522
3,502
1,073
1,527
764
6,522
6,866
5.3%
3,281
1,191
531
985
500
950
1,191
2,966
149.0%
1,162
5,331
2,971
88
1,027
(186)
5,331
3,900
-26.8%
(4,355)
(6,544)
(3,175)
(1,007)
(1,450)
(853)
(6,544)
(6,485)
-0.9%
4,121
4,099
4,426
4,492
4,569
4,480
4,099
4,480
9.3%
25,014
29,226
33,897
32,848
33,473
35,170
29,226
33,897
16.0%
8,226
11,378
1,963
1,578
3,261
2,377
11,378
9,179
-19.3%
(4,355)
(6,544)
(3,175)
(1,007)
(1,450)
(853)
(6,544)
(6,485)
-0.9%
341
(163)
163
54
(114)
33
(163)
136
--
29,226
33,897
32,848
33,473
35,170
36,727
33,897
36,727
8.3%
2,539
5,542
446
1,182
568
1,564
5,542
3,760
-32.2%
2,463
3,405
404
405
519
612
3,405
1,940
-43.0%
31
2,083
29
762
37
937
2,083
1,765
-15.3%
45
54
13
15
12
15
54
55
1.9%
Year-over-Year Comparison
2024 Quarterly
Full Year Results		 2022
2023
Q1
Q2
Q3
Q4
2023
2024
Change
4,033
4,121
4,099
4,426
4,492
4,569
4,121
4,099
-0.5%
4,443
6,522
3,502
1,073
1,527
764
6,522
6,866
5.3%
3,281
1,191
531
985
500
950
1,191
2,966
149.0%
1,162
5,331
2,971
88
1,027
(186)
5,331
3,900
-26.8%
(4,355)
(6,544)
(3,175)
(1,007)
(1,450)
(853)
(6,544)
(6,485)
-0.9%
4,121
4,099
4,426
4,492
4,569
4,480
4,099
4,480
9.3%
25,014
29,226
33,897
32,848
33,473
35,170
29,226
33,897
16.0%
8,226
11,378
1,963
1,578
3,261
2,377
11,378
9,179
-19.3%
(4,355)
(6,544)
(3,175)
(1,007)
(1,450)
(853)
(6,544)
(6,485)
-0.9%
341
(163)
163
54
(114)
33
(163)
136
--
29,226
33,897
32,848
33,473
35,170
36,727
33,897
36,727
8.3%
2,539
5,542
446
1,182
568
1,564
5,542
3,760
-32.2%
2,463
3,405
404
405
519
612
3,405
1,940
-43.0%
31
2,083
29
762
37
937
2,083
1,765
-15.3%
45
54
13
15
12
15
54
55
1.9%
Year-over-Year Comparison
2024 Quarterly
Full Year Results
2023 2024 Change
NP
N


N
NP
All
P
N
O
All
Re


 L- beginning
et new NPL influx
Domestic
Overseas
et write-offs
L- ending balance
owance for loan loss- beginning
rovisions for loan loss
et write-offs
thers
owance for loan loss- ending
covery from bad debt
Domestic
Overseas
Credit card		 4,121
6,522
1,191
5,331
(6,544)
4,099
29,226
11,378
(6,544)
(163)
33,897
5,542
3,405
2,083
54		 4,099
6,866
2,966
3,900
(6,485)
4,480
33,897
9,179
(6,485)
136
36,727
3,760
1,940
1,765
55		 -0.5%
5.3%
149.0%
-26.8%
-0.9%
9.3%
16.0%
-19.3%
-0.9%
--
8.3%
-32.2%
-43.0%
-15.3%
1.9%
  1. Non-consolidated basis

34

==> picture [181 x 31] intentionally omitted <==

一 第 金證券營運報告

First Sec Income Statement Summary in NT$ million or %

Full Year Results
Year-over-Year Comparison		 Full Year Results
Year-over-Year Comparison		 Full Year Results
Year-over-Year Comparison
2020
2021
2022
2023
2023		 2024 Change
Tota
Br
Ne
Un
Tra
Ot		 l operating income
okerage commission
t interest income
derwriting commission
nsaction gains through F/V, net
her operating income		 2,273
3,508
1,929
2,745
2,745
1,351
2,255
1,382
1,499
1,499
242
383
286
196
196
77
132
78
54
54
476
555
(63)
687
687
127
183
246
309
309		 3,200
2,051
278
192
447
232
(1,953)
117
1,364
(181)
1,183		 16.6%
36.8%
41.8%
255.6%
-34.9%
-24.9%
13.9%
2.6%
19.1%
8.4%
21.0%
Tota
Non
Inco
Inc
Net		 l operating expenses
-operating income
me before tax
ome tax
income		 (1,489)
(1,879)
(1,488)
(1,714)
(1,714)
80
83
74
114
114
864
1,712
515
1,145
1,145
(120)
(216)
(112)
(167)
(167)
744
1,496
403
978
978
Firs
RO
RO
Bro
Mar		 t Sec Key Ratios
AE (Annualized)
AA (Annualized)
kerage market share
gin loan market share		 11.05%
19.79%
5.22%
12.26%
12.26%
2.81%
4.18%
1.19%
3.01%
3.01%
1.46%
1.43%
1.38%
1.34%
1.34%
2.40%
2.30%
2.35%
2.29%
2.29%		 13.11%
2.86%
1.26%
2.18%
  1. Non-consolidated basis

35

==> picture [181 x 31] intentionally omitted <==

第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

Full Yeart Results Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2020 2021 2022 2023 2023 2024 Change
Total operating income 617 682 649 707 707 786 11.2%
Management fee 584 656 629 692 692 756 9.2%
Sales service fee 33 26 20 15 15 30 100.0%
Operating expenses (532) (564) (552) (571) (571) (609) 6.7%
Non-operating income 8 12 (1) 7 7 7 0.0%
Income before tax 93 130 96 143 143 184 28.7%
Income tax (18) (24) (20) (28) (28) (36) 28.6%
Net income 76 105 76 115 115 148 28.7%
y
FSITC Key Ratios
AUM 108,605 112,979 100,051 125,552 125,552 141,505 12.7%
AUM Ranking 11 13 15 14 14 14
1. Non-consolidated basis

36

==> picture [181 x 31] intentionally omitted <==

第一金人壽營運報告

First Life Financial Results Summary in NT$ million or %

Full Year Result Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2020
2021
2022
2023		 2023 2024 Change
Ope
Pr
Ot
Ne
Ope
Re
Re
Cl
Co
Ot
Ope
Prof
Inco
Net		 rating Revenue
emium Income
her insurance income
t Investment Income
rating Cost
insurance commission
serves
aims
mmission
hers
rating Expenses
it/Loss Before Tax
me tax
Income after tax		 14,865
14,401
16,689
13,400
13,330
12,429
14,911
11,304
256
252
208
203
1,279
1,720
1,570
1,893
13,743
13,047
15,761
12,101
68
78
94
118
10,745
9,312
8,980
2,845
2,210
2,769
5,740
7,967
720
888
945
1,170
0
0
2
1
(730)
(752)
(783)
(898)
392
601
145
401
94
(1)
(83)
35
485
600
62
436		 13,400
11,304
203
1,893
12,101
118
2,845
7,967
1,170
1
(898)
401
35
436		 15,514
12,610
192
2,712
14,016
134
2,640
8,754
2,487
1
(1,012)
486
95
581		 15.8%
11.6%
-5.4%
43.3%
15.8%
13.6%
-7.2%
9.9%
112.6%
0.0%
12.7%
21.2%
171.4%
33.3%
Key
RO
RO		 Ratios
AE(Annualized ratio)
AA(Annualized ratio)		 14.02%
13.85%
1.91%
12.92%
0.76%
0.82%
0.08%
0.50%		 12.92%
0.50%		 10.20%
0.62%		 -21.1%
24.0%

37

==> picture [181 x 31] intentionally omitted <==

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