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First Financial Holding Co. Ltd. Interim / Quarterly Report 2013

Nov 28, 2013

52222_rns_2013-11-28_669d25a9-1ecb-4590-a24a-e4c0a0c430ef.pdf

Interim / Quarterly Report

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第一金控 2013 年截至第三季營運報告

November 28, 2013

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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

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內容

  • 2013 年第 3 季業務摘錄

  • 財務資料

  • 營運成果

  • 海外發展

  • 附件

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2013 年截至第三季業務摘錄

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2013 年第 3 季業務摘錄

  • : 銀行總放款持續攀高，放款結構穩步調整 ” ， 總放款年成長↑ 2.5%, NIM 穩定擴增 放款結構持續調整成為 升息結 構 ” 模式。

  • :

  • 第三季放款成長主要來自非製造業及外幣放款 ，

  • 受惠於海外之資金需求，外幣放款仍強勁成長 加上內需非製造業 表現增溫，形成第三季放款主要成長動能，（如旅館及運輸業）

  • :

  • 第三季財富管理手收回溫 一銀之銀行保險業務手續費收益季成長↑ 50% ，基金銷售等財管業 務亦續擴增，穩住手續費收益碁磐。

  • 核心業務穩定挹注獲利動能

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一銀核心獲利 ( 淨利收與手續費收益 ) 趨勢
及外幣放款分析
一銀淨利收 , 手續費收益 (NT$ mn )
淨利收 手續費收益 核心獲利合計
7,688
7,387 7,444
7,199 7,264
6,083 6,039 6,065 6,267
6,132
1,116 1,348 1,199 1,312 1,421
3Q12 4Q12 1Q13 2Q13 3Q13
(NT$ mn o)
外幣放款及海外分行放款增長趨勢 海外分行放款餘額
外幣放款餘額
44.1%
海外分行放款餘額佔全體外幣放款比率 (%) 43.4% 43.1%
41.7% 42.5%
264.6 260.2 267.3 273.2 283.2
110.4 110.7 115.9 117.7 124.9
3Q12 4Q12 1Q13 2Q13 3Q13
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2013 年截至第三季財務資料

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2013 年截至第三季主要財務數字
3Q 2013獲利組合1 ( in NT$ mn) 經營績效
( in NT$ dollar, NT$		 mn, mn shares or %)
AMC
NT$141;1.5%		 保險
NT$97; 1.0%		 3Q12 3Q13 YoY %
投信
NT$78; 0.8%		 其他
NT$(90);-1.0%		 稅後淨利
綜合損益2		 9,1221
8,912		 9,2931
9,4212		 1.9%
5.7%
總資產 2,092,732 2,207,909 5.5%
每股盈餘 1.06 1.07 0.9%
證券
NT$90; 1.0%		 銀行
NT$8,977; 96.7%		 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		 16.44
81,254
9.20%
0.57%
124.35%
104.13%		 15.94
86,535
9.13%
0.57%
122.92%
103.38%		 -3.0%
6.5%
-0.8%
0.0%
-1.4%
-0.7%

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2013 年截至第三季營運成果

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2013 年截至第三季合併淨利與綜合損益 (in NT$ mn)
信用成本 (1,581)
保險準備 594
26,458
(987) (14,035)
1.9%
↑
(2,143)
9,293 9,421
128
淨收益 呆帳費用 營業費用 所得稅 淨利 其他綜合損益 綜合損益
2012 年截至第三季合併淨利與綜合損益 (in NT$ mn)
信用成本 (1,830)
保險準備 304
26,428
(14,055)
(1,526)
(1,724) 8,912
9,122
(210)
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2013 年截至第三季主要子公司 * 獲利表現
-
稅後淨利
2013 年截至第三季稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 1.9%
↑ 0.1%
9,293
8,977
↑ 210.3% ↑ 41.0%
FFHC 49
Aviva 48
90 78 141
97
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 金控合併
2012 年截至第三季稅後淨利 — 主要子公司 (in NT$ mn)
8,968 9,122
FFHC (13)
Aviva (12)
29 74 (25) 100
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 金控合併
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2013 年截至第三季營運成果

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金控與一銀獲利能力 - 稅後淨利

金控淨利 & 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
10.46%
9.80% 9.20% 8.80% 9.48% 9.13%
8.26%
7.44% 7.73% 7.73%
6.38%
9,016 10,118 9,293
6,810 7,471 6,680 6,361
4,428
2,000 3,131 2,970
3M 11 6M 11 9M 11 2011 3M 12 6M 12 9M 12 2012 3M 13 6M 13 9M 13
一銀淨利 & 年化股東權益報酬率 (in NT$ mn & %)
累積淨利 年化股東權益報酬率
11.14%
9.52% 9.53% 10.16% 9.73% 9.44% 9.84% 9.49%
8.52% 8.12% 8.58%
10,375
8,625 8,880 8,977
7,609
6,551 6,144
4,609
2,972 2,962
2,059
3M 11 6M 11 9M 11 2011 3M 12 6M 12 9M 12 2012 3M 13 6M13 9M 13
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一銀 2013 年截至第三季稅前獲利

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||||||||||
|---|---|---|---|---|---|---|---|---|
|2013|年截至第三季累積淨收益|(in NT$ mn or %)|一銀稅前獲利佔比分析|(in %)|
|項目|3Q12|3Q13|Change|
|24,488|
|淨利收|73.7%|75.4%|+1.7%|
|淨手續費收益|14.7%|16.1%|+1.4%|
|投資收益|/|短投|1.4%|0.2%|-1.2%|
|24,415|投資收益|/|長投|2.5%|2.6%|+0.1%|
|+0.3%|投資收益|/|其他金融商品|6.7%|5.6%|-1.1%|
|其他|1.0%|0.1%|-0.9%|
|淨收益|[1]|100.0%|100.0%|
|呆帳費用|z|[2]|-15.9%|-16.8%|+0.9%|
|3Q12|3Q13|調整|:|呆帳回收|+8.6%|+10.8%|+2.2%|
|累積淨收益|*|營業費用|-49.5%|-49.4%|-0.1%|
|2013|截至第三季淨收益|&|費用比較|( NT$mn )|稅前獲利|43.2%|44.6%|+1.4%|
|↑|2.7%|
|17,986|18,464|
|↑|9.8%|12,086|12,093|
|↓|20.9%|↑|6.2%|
|↑|25.1%|
|↓|32.8%3,582|3,932|2,608|2,062|3,879|4,120|2,635|
|2,106|
|3Q12 3Q13|3Q12 3Q13|3Q12 3Q13|3Q12 3Q13|3Q12 3Q13|3Q12 3Q13|
|淨利收|淨手收|投資收益|呆帳回收|營業費用|
|呆帳費用|[2]|

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一銀2013年截至第三季總放款結構
438.2
3Q13
項目
3Q12
3Q13
Change
消金放款
27.0%
28.1%
+1.1%
房貸
26.1%
27.0%
+0.9%
其他消費貸款
0.9%
1.1%
+0.2%
法金放款
73.0%
71.9%
-1.1%
企業放款
49.2%
47.6%
-1.6%
---_中小企業
36.4%
37.3%
+0.9%
外幣放款
18.9%
19.7%
+0.8%
---_海外分行
7.9%
8.7%
+0.8%
政府及公營事業放款
4.9%
4.6%
-0.3%
總放款1
100.0%
100.0%
% of總放款1		 一銀2013年截至第三季總放款結構
438.2
3Q13
項目
3Q12
3Q13
Change
消金放款
27.0%
28.1%
+1.1%
房貸
26.1%
27.0%
+0.9%
其他消費貸款
0.9%
1.1%
+0.2%
法金放款
73.0%
71.9%
-1.1%
企業放款
49.2%
47.6%
-1.6%
---_中小企業
36.4%
37.3%
+0.9%
外幣放款
18.9%
19.7%
+0.8%
---_海外分行
7.9%
8.7%
+0.8%
政府及公營事業放款
4.9%
4.6%
-0.3%
總放款1
100.0%
100.0%
% of總放款1		 一銀2013年截至第三季總放款結構
438.2
3Q13
項目
3Q12
3Q13
Change
消金放款
27.0%
28.1%
+1.1%
房貸
26.1%
27.0%
+0.9%
其他消費貸款
0.9%
1.1%
+0.2%
法金放款
73.0%
71.9%
-1.1%
企業放款
49.2%
47.6%
-1.6%
---_中小企業
36.4%
37.3%
+0.9%
外幣放款
18.9%
19.7%
+0.8%
---_海外分行
7.9%
8.7%
+0.8%
政府及公營事業放款
4.9%
4.6%
-0.3%
總放款1
100.0%
100.0%
% of總放款1
438.2
3Q13		 項目
3Q12
3Q13
Change
消金放款
27.0%
28.1%
+1.1%
房貸
26.1%
27.0%
+0.9%
其他消費貸款
0.9%
1.1%
+0.2%
法金放款
73.0%
71.9%
-1.1%
企業放款
49.2%
47.6%
-1.6%
---_中小企業
36.4%
37.3%
+0.9%
外幣放款
18.9%
19.7%
+0.8%
---_海外分行
7.9%
8.7%
+0.8%
政府及公營事業放款
4.9%
4.6%
-0.3%
總放款1
100.0%
100.0%
% of總放款1
項目
3Q12
3Q13
Change
消金放款
27.0%
28.1%
+1.1%
房貸
26.1%
27.0%
+0.9%
其他消費貸款
0.9%
1.1%
+0.2%
法金放款
73.0%
71.9%
-1.1%
企業放款
49.2%
47.6%
-1.6%
---_中小企業
36.4%
37.3%
+0.9%
外幣放款
18.9%
19.7%
+0.8%
---_海外分行
7.9%
8.7%
+0.8%
政府及公營事業放款
4.9%
4.6%
-0.3%
總放款1
100.0%
100.0%

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3Q13 總放款 [1 ] (in NT$ bn or %)
1,438.2
+2.5%
1,403.3
3Q12 3Q13
總放款 [1]
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3Q13 總放款 [1 ] 佔比 (in NT$ bn ) ↓ 0.7% 685.3
690.3
↑ 5.6%
388.0
中小企↑ 5.1% ↑ 7.0%
264.6 283.2
↓ 2.6% Overseas
中小 [2]
367.3 中小 [2] 126.9
510.6
66.5 536.4 海外 海外
12.8 15.2 68.3 110.4 124.9
3Q12 3Q13 3Q12 3Q13 3Q12 3Q13 3Q12 3Q13 3Q12 3Q13
房貸 其他消費貸款 政府及公營事業放款 企業放款 外幣放款
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一銀總放款結構
-季度比較
一銀放款成長 (in NT$ bn)
總放款 1,380.2 1401.5 1403.3 1438.4 1430.6 1442.9 1438.2
QoQ% YTD%
514.2 510.6 523.5 520.6 524.6 536.4
500.2 +2.2% +2.5%
中小企業
外幣放款 244.2 259.1 264.6 260.2 267.3 273.2 283.2 +3.7% +8.8%
政府公營事業 103.6 95.2 68.3 92.0 88.5 85.1 66.5 -22% -28%
FLAT +2.7%
351.5 358.6 367.3 377.9 385.3 387.9 388.0
房貸
企業放款 [2] +0.4% -1.3%
669.7 676.3 690.3 694.5 676.2 682.4 685.3
1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13
1. 長條圖未包括其他消費者貸款
2. 企業放款含中小企業放款
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一銀放款額與淨利息收益率

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總放款 & 存放比 (in NT$ bn or % )
89.49%
88.28% 88.71% 88.51% 88.29%
總放款 [1] 存放比 [2] 86.36% 86.05% 86.54%
84.21% 84.72%
83.47%
78.14%
76.51% 1,447.7
1,206.0 1,260.1 1,320.8 1,322.0 1,370.6 1,360.7 1,386.3 1,408.0 1,410.3 1,445.2 1,437.3 1,449.2
3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 還原 IFRS 實施前之利差
與 NIM
存放利差 [3] NIM [3]
1.52% 1.53% 1.54%
1.47% 1.48% 1.49%
1.45%
1.41% 1.40% 1.40% 1.41% 1.51% 1.52%
1.38% 1.36% 1.50%
1.26%
1.26% 1.26%
1.20% 1.20% 1.21%
1.18%
1.07% 1.10% 1.10% 1.10% 1.23% 1.23% 1.23%
1.02%
0.99%
10Q3 10Q4 11Q1 11Q2 11Q3 11Q4 12Q1 12Q2 12Q3 12Q4 13Q1 13Q2 13Q3
IFR
S
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一銀台外幣利差

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一銀台幣利差及成本分析 ( in % ) 放款利率 (NTD) 存款利率 (NTD)
利差 (NTD)
2.06% 2.06% 2.06% 2.09% 2.10% 2.10% 2.09% 2.10% 2.11%
2.01%
1.92% 1.89%
1.50%
1.35% 1.30% 1.36% 1.38% 1.38% 1.37% 1.40% 1.41% 1.42% 1.47% 1.48%
0.64% 0.68% 0.68% 0.69% 0.69% 0.69% 0.68%
0.59% 0.62% 0.62% 0.61%
0.57%
4Q10 1Q 11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13
一銀外幣利差及成本分析 ( in % ) 放款利率 (FX) 存款利率 (FX)
利差 (F/X)
2.49%
2.33% 2.38% 2.31% 2.43% 2.25% 2.29% 2.42%
2.14% 2.10% 2.14% 2.16%
1.97%
1.77% 1.69% 1.73% 1.70% 1.74% 1.84% 1.82% 1.90% 1.74% 1.76% 1.83%
0.59% 0.59%
0.54% 0.49% 0.53% 0.52% 0.51% 0.53%
0.46%
0.41% 0.41%
0 37%
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一銀房貸分析

3Q13房貸--依地區別 3Q13房貸--依地區別 3Q13房貸--依地區別 3Q13房貸--依地區別 (in %) 房貸利率&房貸成數比 房貸利率&房貸成數比 房貸利率&房貸成數比 房貸利率&房貸成數比 房貸利率&房貸成數比 房貸利率&房貸成數比 房貸利率&房貸成數比 房貸利率&房貸成數比 房貸利率&房貸成數比 房貸利率&房貸成數比 房貸利率&房貸成數比 (in %) (in %)
地區 3Q13 新承作房貸成數比 平均房貸成數比
北部 70% 平均房貸利率
大台北都會 54%
桃竹苗 16% **2.24% ** **2.22% 2.20% ** **2.18% ** **2.16% ** **2.15% ** **2.15% ** 2.15%
中部 10%
大台中
南部		 16% **70.53% ** 70.97% **67.01% ** **66.67% ** **66.68% ** **67.14% ** **66.82% ** 66.23%
台南/高雄
東部		 4% **51.64% ** **51.66% ** **48.89% ** **48.74% ** **48.87% ** **49.09% ** **48.77% ** 48.14%
總計
Mortgage NPL(in %)		 100.0% 2011 3M12 6M12 9M12 2012 3M13 6M13 9M13
房貸逾放比 (in % ) 房貸逾放比 ↑4.3%
0.58% 0.50% 0.41% 0.38%
0.30%		 0.27% SME2
317.0
0.23%
0.23%		 SME2
305.0
0.21%
0.17%		 ↑17.2%
0.17%
0.16%
4Q10 1Q11 2 Q11 3Q11
4		 Q1 1 1 Q1 2 2Q1 2
3Q		 2 4Q 12
1		 Q13 2 Q13 Q1 3

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- 一銀房貸 貸放成數比分析

貸放成數比
案件數佔全部房貸案
件數比率
<50%
51.56%
50%~60%
14.37%
60%~70%
16.27%
70%~80%
15.97%
80%~90%
1.83%
合計
100.00%
房貸案件貸放成數比分析
(in %)		 貸放成數比
案件數佔全部房貸案
件數比率
<50%
51.56%
50%~60%
14.37%
60%~70%
16.27%
70%~80%
15.97%
80%~90%
1.83%
合計
100.00%
房貸案件貸放成數比分析
(in %)		 貸放成數比
案件數佔全部房貸案
件數比率
<50%
51.56%
50%~60%
14.37%
60%~70%
16.27%
70%~80%
15.97%
80%~90%
1.83%
合計
100.00%
房貸案件貸放成數比分析
(in %)		 房
-
-
-
-
比
有
貸放成數比 案件數佔全部房貸案
件數比率
<50% 51.56%
50%~60% 14.37%
60%~70% 16.27%
70%~80% 15.97%
80%~90% 1.83%
合計 100.00%
房貸餘額
(in NT$ bn )		 房貸餘額
■

  • 房貸案件貸放成數比分析總結 : - 以 2013.9 月底數字為基準日 - 以房貸擔保品之件數為基礎 - 貸放成數比均以初貸時鑑估數據為 準 , 未作增值調整 .

  • 數據顯示一銀房貸案件中貸放成數 比低於 5 成者 , 佔所有房貸案件之一半 有餘 , 顯示房貸承作穩健保守

350.0 351.5 358.6 367.3 377.9 385.3 387.9 388.0

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一銀特定產業貸放集中度

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3Q2013 - 特定貸放產業佔比
總放款餘額 [1] : NT$1,447.7 bn
製造業 (28.37%) 非製造業 (71.63%)
5.94% 塑化 餐飲旅館 1.27%
5.12% 金屬
批發零售
8.06% 科技 10.64%
1.12% 太陽能 不動產業 6.38%
1.54% TFT-LCD
運輸倉儲 6.41%
0.23% LED
海運 2.09%
0.44% DRAM
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一銀 2013 年截至第三季淨手續費結構

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||||||||||
|---|---|---|---|---|---|---|---|---|
|3Q13|累積淨手續費|(in NT$ mn or %)|累積淨手續費收益佔比|
|項目|3Q12|3Q13|Change|
|3,932|
|財富管理|[1 ]|44.4%|46.3%|+1.9%|
|+9.8%|18.3%|17.2%|-1.1%|
|外幣|
|3,582|
|其他|14.3%|13.3%|-1.0%|
|放款相關|15.9%|16.7%|+0.8%|
|用卡|7.1%|6.5%|-0.6%|
|3Q12|3Q13|信|
|淨手續費收益|累積淨手續費收益|100.0%|100.0%|
|3Q13|( in NT$ mn )|
|累積淨手續費佔比|
|↑|14.3%|
|1,820|↑|15.3%|↑|2.9%|
|1,592|
|↑|2.0%|↑|2.1%|
|656|
|↓|23.7%|569|656|675|523|
|512|
|258|
|253|
|↑|3.0%|
|3Q12 3Q13|3Q12|3Q13|3Q12|3Q13|3Q12|3Q13|3Q12|3Q13|
|財富管理|[1]|放款相關|外幣|信用卡|其他|[2]|

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一銀淨手續費收益 -季度比較

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淨手續費收益 (in NT$mn)
季成長 +8.3%
1,292 1,349 1,312 1,421
淨手續費 1,199
1,116
收益
194
145
165
其他 * 166 92 87
164 85
85
信用卡 183 217 86 228
227
225
外匯相關 86
220
226
259
213 218 222
放款相關
208
182 銀行保險季成長
+50.1%
686
財富管理 603 636 613
521
447
2Q12 3Q12 4Q12 1Q13 2Q13 3Q13
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一銀 2013 年截至第三季營業費用比率
3Q 2013一銀營業費用(in NT$ mn ) 營業費用比率分析( in NT$ mn)
項目 3Q12
2012數字依IFRS重新		 3Q13
12,093 淨收益 計算以作比較 24,415 24,488
12,086
+0.1%		 營業費用
呆帳費用(淨)		 (12,086)
(1,773)		 (12,093)
(1,485)
所得稅 (1,588) (1,932)
3Q12
營業費用
3Q13		 淨利 8,968 8,977
季度營業費用&營業費用佔比( in NT$ mn or % )
49.31%
淨收益		 50.06% 50.18%
營業費用		 49.49% 49.50%
營業費用佔比		 51.53% 51.30% 49.38%
46.63%
8,167 7,271 7,921 8,314 8,180 7,730 7,672 8,101 8,715
4,248 3,817 3,975 4,061 4,050 4,041 3,953 4,138 4,002
3 Q11 4Q11 1Q12 2Q1 2 3 Q12 4Q12 1Q13 2Q13 3Q13

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一銀 2013 年截至第三季資產品質

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逾期放款 , 提存 , 覆蓋率 (in NT$ mn or % )
第一類放款提存比 (GP Reserve)
覆蓋率 o 放款覆蓋率 (LLR), 排除政府放款
238.38% 248.97%
217.90% 233.17% 228.97%
211.76% 207.78%
191.46%
1.29%
1.09% [1.17%] 1.25% 1.22%
1.01% 1.01% 1.04%
逾放比 逾放 L 呆帳提存準備
0.64%
0.47% 0.47% 0.50% 0.50% 0.50%
0.44% 0.44%
13,886 14,443 15,992 16,889 16,604 17,778
14,077 14,782
9,286
6,373 6,059 6,648 7,114 6,423 7,243 7,252
2011 3M12 6M12 9M12 2012 3M13 6M13 9M13
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一銀逾期放款分類表
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
中小企業
0.31% 0.25%
0.20%		 0.18% 0.18%
房貸		 0.77% 0.70% 0.70% 0.64% 0.64%
0.23% 0.21% 0.17% 0.16% 0.17% 0.50% 0.49% 0.55% 0.58% 0.55%
3Q12 4Q12 1Q13 2Q13 3Q13
3Q12 4Q12 1Q13 2Q13 3Q13
國內& 海外逾放比率(in %) 全體放款逾放比(in %)
國內 海外 全體放款逾放比
2.03%
1.09% 1.12% 0.64%
0.73% 0.70% 0.50% 0.44% 0.50% 0.50%
0.4
3Q		 7
 %
12		 0.4
4Q		 0
 %
12		 0.41%
1Q13		 0.40%
2Q13		 0.39%
3Q13		 3 Q 12 4 Q12 1Q13 2Q1 3 3Q13

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TMT NTD 3.6 bn

一銀 2013 年截至第三季 新增逾放與呆帳收回

2013年截至第三季各季新增逾放(in NT$ mn） 2013年截至第三季各季新增逾放(in NT$ mn） 2013年截至第三季各季新增逾放(in NT$ mn） 2013年截至第三季各季新增逾放(in NT$ mn） 2013年截至第三季各季新增逾放(in NT$ mn） 2013年截至第三季各季呆帳收回(in NT$ mn) 2013年截至第三季各季呆帳收回(in NT$ mn) 2013年截至第三季各季呆帳收回(in NT$ mn)
季度新增逾放 1Q13 2Q13 3Q13 季度呆帳收回 1Q13 2Q13 3Q13
---來自國內
---來自海外		 (49)
1,100		 343
1,054		 448
2,262		 ---來自國內
---來自海外		 784
83		 381
687		 500
148
----來自信用卡 20 14 17
小計 1,051 1,397 2,710 小計 887 1,083 665
季度新增逾放與轉銷數( in NT$ mn) 轉銷數 新增逾放金額
2,710
2,137
831 1,548 871
1,337		 682
1,051		 1,388
676
1,397
342 28 231
(9)

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資本適足率與核心資本
金控集團資本適足率
現增
NTD 16.4 bn
CAR
125.55%
120.19% [123.71%] 119.69% 123.00% 119.40% [122.92%]
117.99% 117.05%
115.14%
111.50%
statutory CAR 100%
一銀資本適足率與第一類資本
現增
NTD 15 bn
CAR
10.88% 10.91% 11.01% 10.94% 11.51% 11.03% 10.95%
10.01% 10.36% 10.14% 10.44%
Tier 1
8.28% 8.23% 8.41% 8.34% 8.37%
7.10% 7.08% 7.45% 7.13% 7.00% 6.82%
2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 1H13 3Q13
2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 1H13 3Q13
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海外發展

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一銀 2013 年截至第三季海外業務盈餘

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3Q13 一銀海外分行稅前獲利分析 ( in % ) 3Q13 一銀全行稅前獲利分析 ( in NT mn & %)
-4.4%; OBU
國內分行 ;
80.1%
其他地區 ;
3Q13 海外分行 15.0%
全行稅前獲利
稅前獲利 17.0%; 香港
$10,909 mn
75.3%; $2,175 mn
其他海外
大中華 ;
10.2%; 上海 i 4.9%
1.9%; 澳門
季度海外地區稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
37.6% 34.6% 36.9%
30.6% 27.3% 30.6% 27.3%
21.2% 19.9%
4,214 3,895 3,496
3,160 3,532 2,749 3,518
3,077
1,759
1,381
836 1071 1,223 1,669 1,040 568 745 1,280
85 150
2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13
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中國地區租賃業務發展

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蘇州租賃公司 3Q13 稅前獲利與放款餘額 (in RMB)
一銀租賃 ( 蘇州 ) 累積稅前獲利 (in RMB ‘000) 租賃放款餘額 (in RMB mn)
2011 年 3 月開業
354
340
262
226
19,026
10,798
5,103 5,474
2012 1Q13 1H13 3Q13
成都租賃公司 3Q13 稅前獲利與放款餘額 (in RMB )
第一金租賃 ( 成都 ) 累積稅前獲利 (in RMB ‘000) 租賃放款餘額 (in RMB mn)
2012 年 1 月開業
305 322
217
130
6,052
3,236 (164)
122
2012 1Q13 1H13 3Q13
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附件

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第一金控綜合損益表

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

~~Full Year Results~~ ~~Year-over-Year Comparison~~ ~~Year-over-Year Comparison~~ ~~Year-over-Year Comparison~~
2010
2011
2012		 3Q12 3Q13 Change
Net interest income
18,790
Net service fee & commission
4,493
Net Insurance revenue
(234)
Gain on financial assets meas.
1,277
at fair value through P/L
Real estate investment gain
69
Gain on AFS financial assets
543
Gain on HTM financial assets
1
Income from equity invest.
31
Net gain on F/X
428
Assets impairment loss
(2)
Others
1,032
Ner Revenue
26,428
Net Provision for credit losses
(1,830)
Recovered(provided) for insurance re
304
Operating Expense
(14,055)
Income from continued op. before t
10,846
Income tax expenses
(1,724)
Consolidated net income
9,122		 19,219
4,774
(307)
666
63
307
(8)
103
949
0
692
26,458
(1,581)
594
(14,035)
11,436
(2,143)
9,293		 2.3%
6.3%
31.2%
-47.8%
-8.7%
-43.5%
-900.0%
232.3%
121.7%
-100.0%
-32.9%
0.1%
-13.6%
-95.4%
-0.1%
5.4%
24.3%
1.9%
Other Items
(210)
ComprehensiveIncome
8,912		 128
9,421		 --
5.7%
Net Income attributed to:
Parent
9,134
Minorityinterests
(12)		 9,245
48		 1.2%
--

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第一金控非合併損益表

FFHC Standalone Income Statement Summary in NT$ million, NT$, or %
HC Standalone Income Statement Summary
NT$ million, NT$, or %
Full Year Results Q1
Q2
Q3
3,058
3,320
2,998
5
210
6
3,062
3,532
3,003
(6)
(2)
8
(58)
(63)
(62)
(36)
(36)
(36)
2,963
3,430
2,913
2,963
3,369
2,913
0
0
0
2,963
3,369
2,913
0.36
0.37
0.34
2013 Quarterly		 Year-over-Year Comparison
2010
2011
2012		 3Q12 3Q13 Change
Ope
In
O
T
Los
Ope
Oth
Inco
Inco
Inco
Net
EPS		 rating revenues
come from long-term investment
7,299
8,857
10,634
ther income1
222
238
252
otal revenues
7,521
9,095
10,886
s from long-term investment
(73)
(992)
(337)
rating expenses
(215)
(235)
(230)
er expenses and losses
(205)
(228)
(145)
me from continued op. before tax
7,027
7,641
10,174
me from continued po. after tax
7,032
7,602
10,174
me from discontinued op., net of t
0
0
0
income
7,032
7,602
10,174

2(NT$)
0.96
1.01
1.25		 9,193
247
9,440
(13)
(185)
(108)
9,134
9,134
0
9,134
1.06		 9,376
221
9,597
0
(183)
(108)
9,306
9,245
0
9,245
1.07		 2.0%
-10.5%
1.7%
--
1.1%
0.0%
1.9%
1.2%
--
1.2%
0.9%
  1. Including income other than long-term investment 2. EPS is adjusted retroactively for stock dividends

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第一金控資產負債表

FFHC Balance Sheet Summary in NT$ million or million shares

Full Year Results Full Year Results 2013 Quarterly 2013 Quarterly Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2010 2011 2012 Q1 Q2 3Q12 3Q13 Change
Non-consolidated Balance Sheet Data
Long-term investment 106,075 127,331 135,490 141,812 140,615 136,618 142,625 4.4%
Total non-consolidated assets 119,493 135,716 143,073 145,459 149,252 140,288 148,623 5.9%
Total liabilities 13,496 8,999 9,164 9,226 13,956 9,087 10,660 17.3%
Total shareholders' equity 105,997 126,717 133,909 136,233 135,296 131,201 137,963 5.2%
Conolidated Balance Sheet Data
Total consolidated assets 2,048,867 2,080,970 2,118,538 2,147,634 2,170,366 2,092,732 2,207,909 5.5%
Total liabilities 1,942,118 1,953,609 1,984,050 2,010,831 2,034,545 1,960,898 2,069,420 5.5%
Total shareholders' equity 106,749 127,361 134,488 136,803 135,821 131,834 138,488 5.0%
Parent's shareholders' equity 105,997 126,717 133,909 136,233 135,296 131,201 137,962 5.2%
Minority interests 752 644 579 571 525 633 526 -16.9%
Current shares outstanding 64,768 76,654 81,254 81,254 81,254 81,254 86,535 6.5%

*figures may not match due to rounding

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第一金控主要財務比率

FFHC Key Ratios

FFHC Key Ratios
2010
2011
2012
0.35%
0.36%
0.48%
6.67%
6.38%
7.73%
16.37
16.53
16.48
64,768
76,654
81,254
103.77%
103.58%
104.11%
117.99%
123.00%
125.55%
11.29%
6.63%
6.41%
Full Year Results		 3M
6M
0.56%
0.60%
8.80%
9.48%
16.76
16.65
81,254
81,254
104.09%
103.93%
126.26%
119.40%
6.34%
9.35%
2013 Quarterly		 Year-over-Year Comparison
3Q12 3Q13 Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.57%
9.20%
16.44
81,254
104.13%
124.35%
6.48%		 0.57%
9.13%
15.94
86,535
103.38%
122.92%
7.17%		 0.0%
-0.8%
-3.0%
6.5%
-0.7%
-1.1%
10.6%

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

  2. Updated semi-annually.

  3. Non-consolidated basis.

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第一銀行損益表

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

in NT$ million or %
2010
2011
2012
Net revenue
Net interest income
18,179
20,761
23,003
Net fee income
4,921
4,826
4,931
Net gain on ST invest.
531
440
162
Net gain on LT invest.
303
498
633
Net gain on other fin. products
1,681
2,581
2,141
Bad debts recovery
2,005
2,402
2,415
Other net income
209
(584)
446
Net revenue
27,829
30,924
33,731
Operating expenses
(14,200)
(15,482)
(15,730)
Provision
(5,429)
(5,300)
(5,809)
Income before tax
8,201
10,142
12,192
Income tax
(1,862)
(1,517)
(1,817)
Income after tax
6,339
8,625
10,375
Cummulative effect of change
0
0
0
in accounting principle
Net income
6,339
8,625
10,375
Full Year Results		 9M12
9M13
Change
Net interest income
17,986
18,464
2.7%
Net fee income
3,582
3,932
9.8%
Net gain on ST invest.
330
55
-83.3%
Net gain on LT invest.
609
640
5.1%
Net gain on other fin. product
1,669
1,367
-18.1%
Other net income
239
30
-87.4%
Net revenue
24,415
24,488
0.3%
Operating expenses
(12,086)
(12,093)
0.1%
Pre-provisiion pre-tax profit
12,329
12,395
0.5%
Provision expense
(3,879)
(4,120)
6.2%
Adjustment: bad-debt recov
2,106
2,635
25.1%
Income before tax
10,556
10,909
3.3%
Income tax
(1,588)
(1,932)
21.7%
Net income
8,968
8,977
0.1%
Year-over-Year Comparison		 Year-over-Year Comparison
9M12 9M13 Change
18,464
3,932
55
640
1,367
30
24,488
(12,093)
12,395
(4,120)
2,635
10,909
(1,932)
8,977		 2.7%
9.8%
-83.3%
5.1%
-18.1%
-87.4%
0.3%
0.1%
0.5%
6.2%
25.1%
3.3%
21.7%
0.1%
Other items
(180)
Comprehensive income
8,789		 148
9,125		 ---
3.8%

==> picture [180 x 32] intentionally omitted <==

第一銀行主要財務比率

FB Key Ratios

Loan to deposit spread
Net Interest Margin
Cost to income ratio4
Loan to deposit ratio1
NPL ratio
Coverage ratio
CAR
Tier-1
ROAA
2
ROAE2		 2010
2011
2012
1.41%
1.41%
1.49%
1.02%
1.10%
1.21%
51.03%
50.06%
46.63%
78.14%
84.72%
89.49%
0.84%
0.47%
0.44%
112.58%
217.90%
248.97%
10.36%
10.94%
11.51%
7.00%
8.28%
8.41%
0.32%
0.43%
0.51%
6.82%
8.12%
8.58%
Full Year Resu		 3M
6M
1.52%
1.53%
1.26%
1.26%
51.53%
51.30%
88.51%
88.29%
0.50%
0.50%
233.17%
228.97%
11.44%
11.03%
8.49%
8.34%
0.56%
0.60%
9.44%
9.84%
2013 Quarterly		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
9M12 9M13 Change
1.48%
1.20%
49.50%
88.71%
0.50%
207.78%
11.38%
8.32%
0.59%
9.73%		 1.54%
1.26%
49.38%
86.54%
0.64%
191.46%
10.95%
8.37%
0.57%
9.49%		 0.06%
0.06%
-0.12%
-2.17%
0.14%
-16.32%
-0.43%
0.05%
-3.39%
-2.47%

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

  2. Annualized figures.

  3. CAR and Tier 1 updated semi-annually.

  4. Starting from 2013, net interest income, gains on Fin. Products and opt. expense will be re-classfied, 9M12&9M13 figures adjusted accordingly.

==> picture [180 x 32] intentionally omitted <==

第一銀行放款品質

FB NPL Migration in NT$ million or %

F
in
N


N
Al



Al
N
C		 2010
2011
2012
14,615
10,550
6,373
1,270
(1,421)
3,493
(5,335)
(2,756)
(3,443)
10,550
6,373
6,423
12,386
11,877
13,886
5,273
4,825
5,705
(5,335)
(2,756)
(3,443)
(447)
(60)
(156)
11,877
13,886
15,992
0.84%
0.47%
0.44%
112.58%
217.90%
248.97%
Full Year Result		 Q1
Q2
Q3
6,423
7,243
7,252
1,051
1,397
2,710
(231)
(1,388)
(676)
7,243
7,252
9,286
15,992
16,889
16,604
1,063
1,114
1,868
(231)
(1,388)
(676)
65
(11)
(18)
16,889
16,604
17,778
0.50%
0.50%
0.64%
233.17%
228.97%
191.46%
2013 Quarterly		 Year-over-Year Comparison
3Q12 3Q13 Change
PL- beginning
Net new NPL influx
Net write-offs
PL- ending balance
lowance for loan loss- beginning
Provisions for loan loss
Net write-offs
Others
lowance for loan loss- ending
PL ratio
overage ratio		 6,373
3,502
(2,761)
7,114
13,886
3,827
(2,761)
(170)
14,782
0.50%
207.78%		 6,423
5,158
(2,295)
9,286
15,992
4,045
(2,295)
36
17,778
0.64%
191.46%		 0.8%
47.3%
-16.9%
30.5%
15.2%
5.7%
-16.9%
-121.2%
20.3%
0.1%
-16.3%
1.
  1. Non-consolidated basis

==> picture [180 x 32] intentionally omitted <==

第一金證券營運報告

First Securities Financial Results Summa in NT$ million or %

第一金證券營運報告 第一金證券營運報告
Fir
in
Fir
Tota
B
N
U
P
O
T
Tota
Non
Inco
Inco
Cum
Net
Fir
RO
RO
Bro
Mar

==> picture [180 x 32] intentionally omitted <==

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
3Q12 3Q13 Change
351
1
352
(268)
5
89
(15)
74
0
74		 370
1
371
(282)
5
94
(16)
78
0
78		 5.4%
--
5.4%
5.2%
0.0%
5.6%
6.7%
5.4%
--
5.4%
y
FSITC Key Ratios
AUM
92,188
97,401
81,568
AUM Ranking
8
5
8		 86,778
7		 65,442
10		 -24.6%
--
  1. Non-consolidated basis

==> picture [180 x 32] intentionally omitted <==

第一金人壽營運報告

First-Aviva Financial Results Summary ~~in NT$ million or %~~

~~in NT$ million or %~~
Full Year Result Year-over-Year Comparison
2010 2011 2012 3Q12 3Q13 Change
Income Statement Summary
Operating Revenue 6,314 4,993 7,342 4,328 6,850 58.3%
Premium Income 5,856 4,788 6,381 3,595 6,289 74.9%
Other insurance income 17 23 42 29 59 103.4%
Net Investment Income 441 182 919 704 502 -28.7%
Operating Cost (6,139) (4,902) (7,080) (4,079) (6,477) 58.8%
Reinsurance commission (5) (6) (10) (7) (9) 28.6%
Reserves (4,527) (1,128) (3,002) (869) (2,565) 195.2%
Claims (1,477) (3,595) (3,825) (3,029) (3,645) 20.3%
Commission (130) (172) (243) (174) (258) 48.3%
Others 0 0 0 0 0 --
Operating Expenses (319) (359) (377) (274) (276) 0.7%
Sales related expenses (32) (56) (60) (43) (38) -11.6%
Management expenses (278) (287) (300) (220) (223) 1.4%
Other expense (9) (16) (17) (12) (15) 25.0%
Profit/Loss of Operation (145) (268) (115) (25) 97 -488.0%
Non-Operating Profit 2 0 0 0 0 --
Profit/Loss Before Tax (143) (268) (115) (25) 97 -488.0%
Income tax 0 0 0 0 0 --
Net Income after tax (143) (268) (115) (25) 97 -488.0%
Key Ratios
ROAE(Annualized ratio)
ROAA(Annualized ratio)		 -9.00%
-0.77%		 -18.82%
-1.29%		 -9.21%
-0.51%		 -2.67%
-0.15%		 11.49%
0.51%		 --
--

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