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First Financial Holding Co. Ltd. Annual Report 2025

Mar 4, 2026

52222_rns_2026-03-04_22f6c3c7-9ea7-4114-95c0-546b6f5bf5b2.pdf

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第一金控 2025 年全年營運報告

March 4, 2026

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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
人引用本份簡報資料、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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2025年獲利表現

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集團獲利趨勢 (in NT$ mn )
稅後淨利
+6.2%
26,933
25,359
22,461
20,596
19,369 16,808 19,739
17,332
2018 2019 2020 2021 2022 2023 2024 2025
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立足2025年獲利基礎，再創2026年營運巔峰

第一金控與子公司第一銀行2025年獲利再創新高

第一金控2025年稅後淨利達NT$269.33億元，創下歷史新高，主因受惠於子公司第一 銀行獲利刷新紀錄達256.63億元以及非銀行子公司貢獻合計稅後淨利NT$24.20億元。

核心業務成長強勁抵銷淨提存費增加；資產品質穩健

2025年淨利息收入年增12.4%，放款規模同時成長約6.3%；淨手收在財管業務年成長 21.5%的帶動下則年成長9.2%。為因應總體經濟之不確定性，策略性增提呆帳準備， 逾放比維持0.17%，覆蓋率再上升至862.04%。

放款動能穩健，展現跨境融資成果

總授信餘額年增6.3%，中小企業放款成長6.0%，躍上兆元之峰，蟬聯16年市場龍頭。 外幣及大企業放款分別成長9.0%與8.0%，展現深耕跨境融資成果；房貸業務亦在房市 調控下維持5.6%之穩健增長。

銀行業務將領軍帶動獲利成長

因應關稅變動，銀行仍將支持產業的對外擴充，以帶動長期放款成長機會；另外，重 點財管業務隨亞灣區法規鬆綁，持續針對高資產客戶開拓私人銀行版圖。為多元化集 團獲利來源，繼續提升證券與人壽子公司獲利能力。

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財務概要

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第一金主要財務數字

銀行
NT$25,663; 91.4%
證券
NT$1,111; 3.9%
投信
NT$177; 0.6 %
其他(創投+管顧)
NT$305; 1.1%
人壽
NT$635; 2.3%
獲利組合(in NT$ mn)
AMC
NT$192; 0.7%		 銀行
NT$25,663; 91.4%
證券
NT$1,111; 3.9%
投信
NT$177; 0.6 %
其他(創投+管顧)
NT$305; 1.1%
人壽
NT$635; 2.3%
獲利組合(in NT$ mn)
AMC
NT$192; 0.7%		 經營績效(in NT$, NT$ mn)
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
平均資產報酬率
集團資本適足率
雙重槓桿比率1
2025
26,933
38,069
5,041,754
1.87
20.33
143,795
9.61%
0.55%
130.73%
114.32%
YoY %
+6.2%
+22.7%
+7.2%
+6.3%
+6.4%
+2.5%
-2.1%
-1.8%
+3.7%
+2.1%
2024
25,359
31,018
4,704,422
1.76
19.10
140,287
9.82%
0.56%
126.05%
111.97%
經營績效(in NT$, NT$ mn)
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
平均資產報酬率
集團資本適足率
雙重槓桿比率1
2025
26,933
38,069
5,041,754
1.87
20.33
143,795
9.61%
0.55%
130.73%
114.32%
YoY %
+6.2%
+22.7%
+7.2%
+6.3%
+6.4%
+2.5%
-2.1%
-1.8%
+3.7%
+2.1%
2024
25,359
31,018
4,704,422
1.76
19.10
140,287
9.82%
0.56%
126.05%
111.97%

1.[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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2025 合併淨利與綜合損益 (in NT$ mn)
↑ 7.6%
↑ 10.7% ↑ 55.2%
↑ 6.2%
2024 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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2025 主要子公司稅後淨利 (in NT$ mn)
↑ 7.8% ↑ 6.2%
26,933
25,663
↑ 9.3%
↓ 6.1%
1,111 177 635 192
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
2024 主要子公司稅後淨利 (in NT$ mn)
25,359
23,806
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
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  • Major 5 subsidiaries were listed.

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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

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第一金淨利 & 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
11.04% 10.92% 10.80% 10.60% 10.52% 10.52%
9.51% 9.82% 9.61%
1
22,461 7,015 13,729 20,808 25,359 15377,9369,293,8764,13378,16808,5029,10913, 7,206 13,946 21,699 26,933
8
2023 3M24 6M24 9M24 2024 3M25 6M25 9M25 2025
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
10.04% 9.92% 9.84% 9.68% 9.92% 9.55%
8.89% 8.99% 8.79%
23,806 25,663
21,526 19,443 20,551
12,799 13,807
6,493 6,778
2023 3M24 6M24 9M24 2024 3M25 6M25 9M25 2025
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)|一銀各項淨收益及費用佔比分析|
|項目|2024|2025|Change|
|淨利收|44.3%|47.1%|+2.8%|
|62,930|+5.8%|66,564|淨手續費收益|19.0%|19.6%|+0.6%|
|投資收益|/|短投|1.8%|1.7%|-0.1%|
|投資收益|/|長投|2.1%|2.0%|-0.1%|
|投資收益|/|其他金融商品|31.5%|28.6%|-2.9%|
|其他|1.3%|1.0%|-0.3%|
|2024|2025|淨收益|100.0%|100.0%|
|累積淨收益|呆帳費用|z|(|淨額|)|-9.2%|-9.3%|-0.1%|
|營業費用|-44.3%|-43.3%|+1.0%|
|稅前獲利結構|(in NT$ mn )|稅前獲利|46.5%|47.4%|+0.9%|
|↑|12.4%|↑|3.3%|
|↓|3.3%|
|27,888|31,352|27,926|28,843|
|↑|9.2%|
|22,237|21,497|
|↓|2.6%|
|11,962|13,059|
|9,521|9,270|
|3,760|3,067|
|2024 NII|2025|2024 Net Fee2025|2024 Gains on investment2025|2024 provision2025|2024 recovery2025|2024 operating exp.2025|
|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

項目
2024
2025
Change
消金放款
31.1%
31.6%
+0.5%
房貸
27.3%
27.1%
-0.2%
其他消金
3.8%
4.5%
+0.7%
法金放款
68.9%
68.4%
-0.5%
大企業放款
13.2%
13.5%
+0.3%
中小企業放款2
36.3%
36.2%
-0.1%
外幣放款
16.8%
17.2%
+0.4%
--- 海外分行
12.1%
12.2%
+0.1%
政府公營
2.6%
1.5%
-1.1%
總放款1
100.0%
100.0%
總放款結構		 項目
2024
2025
Change
消金放款
31.1%
31.6%
+0.5%
房貸
27.3%
27.1%
-0.2%
其他消金
3.8%
4.5%
+0.7%
法金放款
68.9%
68.4%
-0.5%
大企業放款
13.2%
13.5%
+0.3%
中小企業放款2
36.3%
36.2%
-0.1%
外幣放款
16.8%
17.2%
+0.4%
--- 海外分行
12.1%
12.2%
+0.1%
政府公營
2.6%
1.5%
-1.1%
總放款1
100.0%
100.0%
總放款結構		 項目
2024
2025
Change
消金放款
31.1%
31.6%
+0.5%
房貸
27.3%
27.1%
-0.2%
其他消金
3.8%
4.5%
+0.7%
法金放款
68.9%
68.4%
-0.5%
大企業放款
13.2%
13.5%
+0.3%
中小企業放款2
36.3%
36.2%
-0.1%
外幣放款
16.8%
17.2%
+0.4%
--- 海外分行
12.1%
12.2%
+0.1%
政府公營
2.6%
1.5%
-1.1%
總放款1
100.0%
100.0%
總放款結構
項目
2024		 2025
消金放款
31.1%		 31.6%
房貸
27.3%		 27.1%
其他消金
3.8%		 4.5%
法金放款
68.9%		 68.4%
大企業放款
13.2%		 13.5%
中小企業放款2
36.3%		 36.2%
外幣放款
16.8%		 17.2%
--- 海外分行
12.1%		 12.2%
政府公營
2.6%		 1.5%
總放款1
100.0%		 100.0%
總放款結構(in NT$ bn )
720.6
349.3
960.6
443.3
169.1
760.7
377.4
1017.8
483.2
169.2
↑5.6%
↑8.0%
↑6.0%
↑9.0%
Overseas
318.6
Overseas
342.8
20242025
20242025
20242025
20242025
20242025
↑7.6%
房屋貸款
大企業放款
外幣放款
其他3
中小企業放款2

  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
2,642.9 2,671.3 2,655.4 2,744.1 2,808.3
↑ 2.3%
760.7
750.4
720.6 731.6 741.4
房屋貸款 ↑ 1.4%
960.6 954.8 978.3 992.8 1,017.8 中小企業放款 ↑ 2.5%
大企業放款 ↑ 0.5%
349.3 342.8 349.7 375.7 377.4
外幣放款 ↑ 5.8%
443.3 458.4 417.8 456.7 483.2
169.1 183.7 168.2 168.5 169.2 其他
4Q24 1Q25 2Q25 3Q25 4Q25
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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) 總放款 [1] 存放比
69.79% 69.59% 71.02% 71.11% 70.68% 70.03% 70.34% 70.47% 台幣 81.9%
外幣 43.9%
2,497.2 2,534.4 2,574.5 2,647.2 2,676.0 2,659.5 2,749.2 2,813.5
1Q24 2Q24 3Q24 2024 1Q25 2Q25 3Q25 2025
△
存放利差 / 淨利息收益率 (NIM) 存放利差 [2] NIM [2]
1.21%
1.20%
1.18% 1.17% 1.11% 1.11% 1.13% 1.15%
0.70% 0.70% 0.68% 0.67% 0.67% 0.71% 0.71% 0.72%
1Q24 2Q24 3Q24 2024 1Q25 2Q25 3Q25 2025
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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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一銀台幣利率及利差分析 存款利率 ( 台幣 ) 放款利率 ( 台幣 ) 利差 ( 台幣 )
1.29% 1.26% 1.26% 1.28% 1.28%
2.36% 2.35% 2.36% 2.37% 2.38%
1.07% 1.09% 1.10% 1.09% 1.10%
4Q24 1Q25 2Q25 3Q25 4Q25
一銀外幣利率及利差分析 存款利率 ( 外幣 ) 放款利率 ( 外幣 ) 利差 ( 外幣 )
2.21%
2.08% 2.06% 2.06% 2.06%
5.93%
5.57% 5.41% 5.30% 5.11%
3.72% 3.49% 3.35% 3.24% 3.05%
4Q24 1Q25 2Q25 3Q25 4Q25
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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
新台幣存款 外幣存款 新台幣活存比
1,100.1
1,045.2
+5.3% 63.31%
62.75%
62.13%
61.82%
△
總存款
3,937.8 bn
+6.6% YoY
2,837.7
2,647.4 +7.2%
2024 2025 1H24 2024 1H25 2025
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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 (23.45%) 非製造業 (76.55%)
4.02% 塑化 營造 3.11%
批發零售 9.82%
5.27% 金屬
不動產 11.08%
5.35% 電子資訊
運輸倉儲 2.73%
3.87% 機械
金融及保險 5.38%
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一銀房貸分析

房貸利率 & 房貸成數比

一銀房貸區域分析

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平均房貸利率
新承作房貸成數
平均房貸成數
2.28% 2.28% 2.30% 2.30% 2.31%
64.86% 64.87% 64.84% 64.79% 64.86%
48.84% 48.83% 48.86% 48.80% 48.85%
4Q24 1Q25 2Q25 3Q25 4Q25
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房貸逾放比 : 0.11%
新承作房貸成數
平均房貸成數
北北基
宜蘭花東
2.28% 2.28% 2.30% 2.30% 2.31% 2.9% 43.3%
高屏
64.86% 64.87% 64.84% 64.79% 64.86% 桃竹苗
11.2%
19.9%
48.84% 48.83% 48.86% 48.80% 48.85% 雲嘉南
10.0%
中彰投
12.7%
4Q24 1Q25 2Q25 3Q25 4Q25
單月新承作房貸金額 (in NT$ mn) 單月新承作房貸金額
39,817
28,575 28,599
13,452 13,885 12,480 11,514 11,918 11,252 10,648
9,035 10,226 10,417 8,985 11,445 9,512 7,618 6,699
10M24 11M24 12M24 1M25 2M25 3M25 4M25 5M25 6M25 7M25 8M25 9M25 10M25 11M25 12M25
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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) 淨手續費結構
項目 2024 2025 Change
+9.2% 13,059 財富管理 [1 ] 60.9% 67.8% +6.9%
11,962
放款相關 23.9% 18.8% -5.1%
外匯 5.8% 5.3% -0.5%
信用卡 3.3% 3.4% +0.1%
2024 2025
其他 [2] 6.1% 4.7% -1.4%
累積淨手續費收益
淨手續費收益 100.0% 100.0%
累積淨手續費收益結構 (in NT$ mn)
↑ 21.5%
8,851
7,282
↓ 14.0%
2,855
2,455
699 698 397 448 729 607
2024 2025 2024 2025 2024 2025 2024 2025 2024 2025
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

季度淨手續費收益(in NT$ mn) 季度淨手續費收益(in NT$ mn)
QoQ
每季淨 3,083 3,323 3,174 3,187 3,375 ↑5.9%
手續費收益
208 167
87
132		 119
149		 126
177		 184
116
149
120 180 167
其他1
信用卡
放款相關
外匯相關		 168
565
186		 166
650		 169
577		 173
625		 184
603
財富管理2 1,121 1,219 1,150 1,024 1,169 銀行保險
↑14.2%
保管業務
基金銷售
銀行保險		 715 902 830 895 970 基金銷售
↑8.4%
4Q24 1Q25 2Q25 3Q25 4Q25

  1. 分行（含海外分行）通路手續費

  2. 財富管理手續費收入 = 基金銷售 + 銀行保險 + 保管

22

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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 2024 2025
28,843
+3.3%
淨收益 62,930 66,564
27,926
營業費用 (27,926) (28,843)
呆帳費用 ( 淨 ) (5,761) (6,203)
所得稅 (5,437) (5,855)
2024 2025
累積營業費用 淨利 23,806 25,663
季度營業費用 & 累積營業費用佔比 (in NT$ mn)
淨利收 營業費用 累積營業費用佔比
45.35%
44.18% 42.56% 44.38% 43.98% 43.01% 43.33%
17,461 17,149 17,331 16,489
15,389 15,595
14,485
7,129 6,928 7,310 7,072 7,328 7,137 7,306
2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
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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)
覆蓋率 逾放比 逾放金額 呆帳提存準備
843.19% 847.89% 862.04%
819.77%
769.77% 801.27%
745.24%
0.18% 0.18%
0.17% 0.17% 0.17% 0.17%
0.16%
33,473 35,170 36,727 37,033 36,911 39,092 40,812
4,492 4,569 4,480 4,622 4,378 4,610 4,734
2Q24 3Q24 2024 1Q25 2Q25 3Q25 2025
個人 [1] 與房貸逾放比率 大企業與中小企業逾放比
個人 Mortgage 大企業 中小企業
0.19%
0.17% 0.18% 0.17%
0.15%
0.14%
0.12% 0.12% 0.12%
0.10%
0.11% 0.11% 0.11%
0.10%
0.08%
0.02% 0.01% 0.00% 0.00% 0.00%
2024 1Q25 2Q25 3Q25 2025 2024 1Q25 2Q25 3Q25 2025
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  1. 個人 : 包含房貸及個人非房貸

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一銀海外業務盈餘

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海外分行稅前獲利分析 全行稅前獲利分析
2025 全行稅前獲利 : NT$ 31,518mn
24.63%
OBU/ 大中華
北美
2025 其它海外地區 ,
國內市場 ,
海外稅前獲利 48.95% 東協 15.09%
70.45%
9.57% NT$ 9,313mn
其他
16.85% OBU/ 大中華 , 14.46%
季度海外稅前獲利佔比分析 (in NT$ mn)
海外 全行 累積海外稅前獲利 / 一銀全行累積稅前獲利
22.93% 27.67% 26.73% 26.93% 28.66% 29.55%
8,455 8,573
7,997 7,901
6,589
5,569
1,672 2,662 2,260 2,326 2,559 2,168
3Q24 4Q24 1Q25 2Q25 3Q25 4Q25
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資本適足率與核心資本

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金控集團資本適足率
集團資本適足率 法定資本適足率
128.09% 130.05% 129.83% 130.73%
126.05%
122.45%
100%
1H23 2H23 1H24 2H24 1H25 2H25
一銀資本適足率與核心資本
一銀資本適足率 第一類資本 CET 1
15.46%
15.38%
14.26% 14.56% 14.45%
13.87%
13.14% 13.22%
12.32% 12.61% 11.96% 12.29%
11.70%
11.51%
10.59% 10.91% 10.75%
10.37%
1H23 2H23 1H24 2H24 1H25 2H25
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26

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附件

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第一金控合併損益表
FFHC Consolidated Income Statement Summary (in NT$ million or %)
Full Year Results Year-over-Year Comparison
2021
2022
2023
2024		 2024 2025 Change
Net int
Net se
Net Ins
Gain o
at fai
Real e		 erest income
rvice fee & commission
urance revenue
n financial assets meas.
r value through P/L
state investment gain		 34,588
37,969
32,525
31,234
10,383
9,409
10,187
12,782
9,525
8,980
3,147
3,671
3,356
3,271
19,205
19,237
185
190
212
540		 31,234
12,782
3,671
19,237
540		 34,681
13,817
5,384
19,664
226		 11.0%
8.1%
46.7%
2.2%
-58.1%
Gain o
thro		 n financial assets at fair value
ugh other compre. income		 3,176
1,984
584
1,672		 1,672 2,808 67.9%
Incom e from equity invest. 100
76
155
127		 127 (22) --
Exclud ing gain on fin. assets measured at amort.cost (10)
(68)
(409)
(537)		 (537) (413) -23.1%
Reser ve of overlay approach (43)
237
(235)
(441)		 (441) 713 --
Net ga
Assets
Others
Net R
Net Pr
Recov
Opera
Incom
Incom
Conso		 in on F/X
impairment loss

evenue
ovision for credit losses
ered(provided) for insurance res.
ting Expense
e from continued op. before tax
e tax expenses
lidated net income		 877
5,300
1,158
3,535
67
(6)
(50)
(155)
400
414
776
454
62,604
67,756
67,255
72,119
(3,621)
(6,577)
(5,818)
(5,763)
(9,275)
(8,906)
(2,793)
(2,614)
(26,275)
(27,786)
(30,382)
(32,505)
23,433
24,487
28,262
31,237
(3,694)
(3,891)
(5,801)
(5,878)
19,739
20,596
22,461
25,359		 3,535
(155)
454
72,119
(5,763)
(2,614)
(32,505)
31,237
(5,878)
25,359		 418
120
198
77,594
(6,382)
(4,056)
(33,707)
33,449
(6,516)
26,933		 -88.2%
--
-56.4%
7.6%
10.7%
55.2%
3.7%
7.1%
10.9%
6.2%
Other
Comp		 Items
rehensive Income		 (4,847)
(8,056)
12,440
5,659
14,892
12,540
34,901
31,018		 5,659
31,018		 11,136
38,069		 96.8%
22.7%
EPS1( NT$) 1.49
1.51
1.60
1.76		 1.76 1.87
1. EP S 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 %

Full Year Results Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2021 2022 2023 2024 2024 2025 Change
Operating revenues 20,333 21,270 23,514 26,359 26,359 28,299 7.4%
Income from long-term investment 20,163 21,094 23,318 26,124 26,124 28,084 7.5%
Other income 170 176 196 235 235 215 -8.5%
Operating expenses (403) (413) (440) (485) (485) (526) 8.5%
Other expenses and losses (184) (267) (381) (465) (465) (583) 25.4%
Income from continued op. before tax 19,747 20,590 22,693 25,409 25,409 27,190 7.0%
Net income 19,739 20,596 22,461 25,359 25,359 26,933 6.2%
EPS1(NT$) 1.49 1.51 1.60 1.76 1.76 1.87 6.3%
  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

FFHC Balance Sheet Summary in NT$ million or million shares

2021
2022
2023
2024
Full Years Result		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2024 2025 Change
N on-consolidated Balance Sheet Data
L
T
T
T		 ong-term investment
otal non-consolidated assets
otal liabilities
otal shareholders' equity		 241,171
244,673
271,903
296,683
248,995
251,732
280,569
303,714
24,449
27,609
32,125
35,828
224,547
224,123
248,444
267,886		 296,683
303,714
35,828
267,886		 330,702
339,367
47,000
292,367		 11.5%
11.7%
31.2%
9.1%
C onolidated Balance Sheet Data
T
T		 otal consolidated assets
otal liabilities		 3,739,594
4,157,196
4,429,410
4,704,422
3,515,047
3,933,073
4,180,966
4,436,536		 4,704,422
4,436,536		 5,041,754
4,749,387		 7.2%
7.1%
T
C		 otal shareholders' equity
urrent shares outstanding*		 224,547
224,123
248,444
267,886
129,642
132,234
136,201
140,287		 267,886
140,287		 292,367
143,795		 9.1%
2.5%

30

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第一金控主要財務比率

FFHC Key Ratios

F F 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
2021
2022
2023
2024		 2024 2025 Change
A
A
B
C		 fte
fte
oo
ap		 r-tax ROAA (Annualized ratio)
r-tax ROAE (Annualized ratio)
k Per Share
ital Stock		 0.55%
0.52%
0.52%
0.56%
8.86%
9.18%
9.51%
9.82%
17.32
16.95
18.24
19.10
129,642
132,234
136,201
140,287		 0.56%
9.82%
19.10
140,287		 0.55%
9.61%
20.33
143,795		 -1.8%
-2.1%
6.4%
2.5%
D ou ble leverage 108.75%
110.38%
110.73%
111.97%		 111.97% 114.32% 2.1%
G
D		 ro
eb		 up CAR
t Ratio1		 130.35%
125.16%
130.05%
126.05%
9.82%
10.97%
11.45%
11.80%		 126.05%
11.80%		 130.73%
13.85%		 3.7%
17.4%
  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 %
2021
2022
2023
2024
2024
2025
Change
nterest income
32,263
35,001
29,245
27,888
27,888
31,352
12.4%
ee income
7,969
8,103
8,919
11,962
11,962
13,059
9.2%
ain on ST invest.
1,014
1,411
1,228
1,107
1,107
1,124
1.5%
ain on LT invest.
763
1,062
1,104
1,316
1,316
1,325
0.7%
ain on other fin. products
4,516
8,518
17,684
19,814
19,814
19,048
-3.9%
r net income
337
389
540
843
843
656
-22.2%
evenue
46,862
54,484
58,720
62,930
62,930
66,564
5.8%
ating expenses
(22,379)
(24,210)
(26,329)
(27,926)
(27,926)
(28,843)
3.3%
rovisiion pre-tax profit
24,483
30,274
32,391
35,004
35,004
37,721
7.8%
sion expense
(6,578)
(9,025)
(11,305)
(9,521)
(9,521)
(9,270)
-2.6%
stment: bad-debt recovery
3,013
2,539
5,542
3,760
3,760
3,067
-18.4%
me before tax
20,918
23,788
26,628
29,243
29,243
31,518
7.8%
me tax
(3,266)
(3,460)
(5,102)
(5,437)
(5,437)
(5,855)
7.7%
ncome
17,652
20,328
21,526
23,806
23,806
25,663
7.8%
er items
(4,425)
(3,946)
8,526
5,336
5,336
11,603
117.4%
prehensive income
13,227
16,382
30,052
29,142
29,142
37,266
27.9%
(NT$)
1.86
1.99
1.95
1.94
1.94
2.09
7.7%
n-consolidated basis
Year-over-Year Comparison
Full Year Results
  1. Non-consolidated basis

32

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一 第 銀行主要財務比率

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

FB Key Ratios
Full Year Results Year-over-Year Comparison
2021 2022 2023 2024 2024 2025 Change
Loan to deposit spread 1.41% 1.48% 1.34% 1.17% 1.17% 1.15% -1.7%
Net Interest Margin 1.01% 0.99% 0.76% 0.67% 0.67% 0.72% 7.5%
Cost to income ratio 47.76% 44.44% 44.84% 44.38% 44.38% 43.33% -2.4%
Loan to deposit ratio 69.55% 70.60% 69.08% 71.11% 71.11% 70.47% -0.9%
NPL ratio 0.20% 0.18% 0.17% 0.17% 0.17% 0.17% 0.0%
Domestic NPL ratio 0.19% 0.19% 0.14% 0.12% 0.12% 0.14% 16.7%
Overseas NPL ratio 0.24% 0.10% 0.35% 0.42% 0.42% 0.33% -21.4%
Coverage ratio 620.31% 709.24% 826.96% 819.77% 819.77% 862.04% 5.2%
CAR 14.21% 13.76% 14.56% 14.45% 14.45% 15.46% 7.0%
Tier-1 12.48% 11.80% 12.61% 12.29% 12.29% 13.22% 7.6%
ROAA (Annualized) 0.51% 0.53% 0.52% 0.54% 0.54% 0.55% 1.9%
ROAE (Annualized) 7.97% 8.95% 8.89% 8.99% 8.99% 8.79% -2.2%
1. Non-consolidated basis
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33

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第一銀行資產品質

FB NPL Migration in NT$ million or %

2023
2024
4,121
4,099
6,522
6,866
1,191
2,966
5,331
3,900
(6,544)
(6,485)
4,099
4,480
29,226
33,897
11,378
9,179
(6,544)
(6,485)
(163)
136
33,897
36,727
5,542
3,760
3,405
1,940
2,083
1,765
54
55
Full Year Results		 Q1
Q2
Q3
Q4
2024
2025
Change
4,480
4,622
4,378
4,610
4,099
4,480
9.3%
871
957
1,152
1,637
6,866
4,617
-32.8%
938
605
1,091
1,395
2,966
4,029
35.8%
(67)
352
61
242
3,900
588
-84.9%
(729)
(1,201)
(920)
(1,513)
(6,485)
(4,363)
-32.7%
4,622
4,378
4,610
4,734
4,480
4,734
5.7%
36,727
37,033
36,911
39,092
33,897
36,727
8.3%
1,021
1,605
2,931
3,086
9,179
8,643
-5.8%
(729)
(1,201)
(920)
(1,513)
(6,485)
(4,363)
-32.7%
14
(526)
170
147
136
(195)
--
37,033
36,911
39,092
40,812
36,727
40,812
11.1%
982
549
915
621
3,760
3,067
-18.4%
938
466
451
556
1,940
2,411
24.3%
28
66
446
49
1,765
589
-66.6%
16
17
18
16
55
67
21.8%
Year-over-Year Comparison
2025 Quarterly		 Q1
Q2
Q3
Q4
2024
2025
Change
4,480
4,622
4,378
4,610
4,099
4,480
9.3%
871
957
1,152
1,637
6,866
4,617
-32.8%
938
605
1,091
1,395
2,966
4,029
35.8%
(67)
352
61
242
3,900
588
-84.9%
(729)
(1,201)
(920)
(1,513)
(6,485)
(4,363)
-32.7%
4,622
4,378
4,610
4,734
4,480
4,734
5.7%
36,727
37,033
36,911
39,092
33,897
36,727
8.3%
1,021
1,605
2,931
3,086
9,179
8,643
-5.8%
(729)
(1,201)
(920)
(1,513)
(6,485)
(4,363)
-32.7%
14
(526)
170
147
136
(195)
--
37,033
36,911
39,092
40,812
36,727
40,812
11.1%
982
549
915
621
3,760
3,067
-18.4%
938
466
451
556
1,940
2,411
24.3%
28
66
446
49
1,765
589
-66.6%
16
17
18
16
55
67
21.8%
Year-over-Year Comparison
2025 Quarterly		 Q1
Q2
Q3
Q4
2024
2025
Change
4,480
4,622
4,378
4,610
4,099
4,480
9.3%
871
957
1,152
1,637
6,866
4,617
-32.8%
938
605
1,091
1,395
2,966
4,029
35.8%
(67)
352
61
242
3,900
588
-84.9%
(729)
(1,201)
(920)
(1,513)
(6,485)
(4,363)
-32.7%
4,622
4,378
4,610
4,734
4,480
4,734
5.7%
36,727
37,033
36,911
39,092
33,897
36,727
8.3%
1,021
1,605
2,931
3,086
9,179
8,643
-5.8%
(729)
(1,201)
(920)
(1,513)
(6,485)
(4,363)
-32.7%
14
(526)
170
147
136
(195)
--
37,033
36,911
39,092
40,812
36,727
40,812
11.1%
982
549
915
621
3,760
3,067
-18.4%
938
466
451
556
1,940
2,411
24.3%
28
66
446
49
1,765
589
-66.6%
16
17
18
16
55
67
21.8%
Year-over-Year Comparison
2025 Quarterly		 Q1
Q2
Q3
Q4
2024
2025
Change
4,480
4,622
4,378
4,610
4,099
4,480
9.3%
871
957
1,152
1,637
6,866
4,617
-32.8%
938
605
1,091
1,395
2,966
4,029
35.8%
(67)
352
61
242
3,900
588
-84.9%
(729)
(1,201)
(920)
(1,513)
(6,485)
(4,363)
-32.7%
4,622
4,378
4,610
4,734
4,480
4,734
5.7%
36,727
37,033
36,911
39,092
33,897
36,727
8.3%
1,021
1,605
2,931
3,086
9,179
8,643
-5.8%
(729)
(1,201)
(920)
(1,513)
(6,485)
(4,363)
-32.7%
14
(526)
170
147
136
(195)
--
37,033
36,911
39,092
40,812
36,727
40,812
11.1%
982
549
915
621
3,760
3,067
-18.4%
938
466
451
556
1,940
2,411
24.3%
28
66
446
49
1,765
589
-66.6%
16
17
18
16
55
67
21.8%
Year-over-Year Comparison
2025 Quarterly
2024 2025 Change
NPL-
Net


Net
NPL-
Allow
Pro
Net
Oth
Allow
Reco


 beginning
new NPL influx
Domestic
Overseas
write-offs
ending balance
ance for loan loss- beginning
visions for loan loss
write-offs
ers
ance for loan loss- ending
very from bad debt
Domestic
Overseas
Credit card		 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		 4,480
4,617
4,029
588
(4,363)
4,734
36,727
8,643
(4,363)
(195)
40,812
3,067
2,411
589
67		 9.3%
-32.8%
35.8%
-84.9%
-32.7%
5.7%
8.3%
-5.8%
-32.7%
--
11.1%
-18.4%
24.3%
-66.6%
21.8%
  1. Non-consolidated basis

34

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

一 第 金證券營運報告

第一金證券營運報告 第一金證券營運報告 第一金證券營運報告 第一金證券營運報告 第一金證券營運報告
Fir st Sec Income Statement Summary
in N T$ million or %
Year-over-Year Comparison
Full Year Results
2021
2022
2023		 2024 2024 2025 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		 3,508
1,929
2,745
2,255
1,382
1,499
383
286
196
132
78
54
555
(63)
687
183
246
309		 3,200
2,051
278
192
447
232
(1,953)
117
1,364
(181)
1,183		 3,200
2,051
278
192
447
232		 3,170
2,009
312
101
496
252
(1,990)
149
1,329
(218)
1,111		 -0.9%
-2.0%
12.2%
-47.4%
11.0%
8.6%
1.9%
27.4%
-2.6%
20.4%
-6.1%
Tota
Non
Inco
Inco
Net		 l operating expenses
-operating income
me before tax
me tax
income		 (1,879)
(1,488)
(1,714)
83
74
114
1,712
515
1,145
(216)
(112)
(167)
1,496
403
978		 (1,953)
117
1,364
(181)
1,183
Firs t Sec Key Ratios 13.11%
2.86%
1.26%
2.18%
RO
RO		 AE (Annualized)
AA (Annualized)		 19.79%
5.22%
12.26%
4.18%
1.19%
3.01%		 13.11%
2.86%		 11.53%
2.22%
Bro
Mar		 kerage market share
gin loan market share		 1.43%
1.38%
1.34%
2.30%
2.35%
2.29%		 1.26%
2.18%		 1.24%
2.21%
  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
2021 2022 2023 2024 2024 2025 Change
Total operating income 682 649 707 786 786 851 8.3%
Management fee 656 629 692 756 756 825 9.1%
Sales service fee 26 20 15 30 30 26 -13.3%
Operating expenses (564) (552) (571) (609) (609) (637) 4.6%
Non-operating income 12 (1) 7 7 7 7 0.0%
Income before tax 130 96 143 184 184 221 20.1%
Income tax (24) (20) (28) (36) (36) (44) 22.2%
Net income 105 76 115 148 148 177 19.6%
y
FSITC Key Ratios
AUM 112,979 100,051 125,552 141,287 141,287 192,357 36.1%
AUM Ranking 13 15 14 14 14 13
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
2021
2022
2023
2024		 2024 2025 Change
Ope
Pr
Ot
Ne
Ope
Re
Re
Cl
Co
Ot
Ope
Prof
30%
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
FX Reserves
me tax
Income after tax		 14,401
16,689
13,400
15,514
12,429
14,911
11,304
12,610
252
208
203
192
1,720
1,570
1,893
2,712
13,047
15,761
12,101
14,016
78
94
118
134
9,312
8,980
2,845
2,640
2,769
5,740
7,967
8,754
888
945
1,170
2,487
0
2
1
1
(752)
(783)
(898)
(1,012)
601
145
401
486
(1)
(83)
35
95
600
62
436
581		 15,514
12,610
192
2,712
14,016
134
2,640
8,754
2,487
1
(1,012)
486
95
581		 17,439
14,375
132
2,932
15,470
171
4,086
8,765
2,447
1
(1,116)
853
(259)
41
635		 12.4%
14.0%
-31.3%
8.1%
10.4%
27.6%
54.8%
0.1%
-1.6%
0.0%
10.3%
75.5%
--
-56.8%
9.3%
Key Ratios
RO
RO		 AE(Annualized ratio)
AA(Annualized ratio)		 13.85%
1.91%
12.92%
10.20%
0.82%
0.08%
0.50%
0.62%		 10.20%
0.62%		 9.28%
0.65%		 -9.0%
4.8%

37

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

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