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

May 29, 2013

52222_rns_2013-05-29_fcfd21d5-bfd3-41e6-825f-b61a075d79c3.pdf

Interim / Quarterly Report

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第一金控 2013 年第一季營運報告

May 29, 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

  • IFRS會計制度

  • 2013年第一季業務摘錄

  • 財務資料

  • 營運成果

  • 海外發展

  • 附件

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IFRS 會計制度

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IFRS 會計制度實施差異

  • :

  • 利息費用較低 , NIM 較高 IFRS 將員工優惠存款利率高於市場利率 部份之利息費用自「利息費用」項下移 至「營業費用」

  • :

  • 呆帳回收與費用合併顯示 IFRS , 將原「收益」項下之呆帳收回移除

  • 改以呆帳費用之抵銷項目列示

  • ” ”

    • 還原 IFRS 實施之 提存前稅前獲利 仍舊 :

  • 維持成長趨勢 獲利還原 ”IFRS （ PPOP 會計制度之銀行），仍維持成長趨勢，顯 ” 提存前稅前

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利息費用 呆帳費用 一銀 PPOP( 還原 IFRS)
1.31 1.19 1.18 1.61 1.68
1.32
0.60 0.58 0.75
0.50 0.48
0.11
1.05 1.02 1.04 0.95 0.93 0.98
IFRS
(NT$ billion)
Oct.'12 Nov. '12 Dec. '12 Jan.'13 Feb.'13 Mar.'13
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2013 年第一季業務摘錄

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2013 年第一季業務摘錄

  • ： 核心獲利如預期成長 ， 還原 IFRS 實施前之 NIM 仍較上一季成長 2 基本點 (2 bps)

  • ： 手續費收益恢復動能 雖有去年同期保單停售效應之高基期， 2013 年第一季手續費收益 仍較同期成長 2%

  • ：

  • 信用成本仍低 ，

  • 除部份國外舊授信案 2013 年第一季信用成本仍維持低點

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2013 年第一季財務資料

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2013 年第一季主要財務數字
1Q 2013獲利組合1 ( in NT$ mn) 經營績效
( in NT$ dollar, NT$		 mn, mn shares or %)
投信
NT$17; 0.6%
人壽保險
NT$14; 0.5%		 其他子公司
NT$(55);-1.9%		 稅後淨利
綜合損益2		 1Q12
3,1311
3,1632		 1Q13
2,9701
4,0792		 YoY %
-5.1%
29.0%
總資產 2,098,598 2,147,634 2.3%
每股盈餘 0.38 0.36 -5.3%
每股淨值 16.76 16.76 0.0%
股本 76,654 81,254 6.0%
平均淨值報酬率3 9.80% 8.80% -10.2%
平均資產報酬率3 0.60% 0.56% -6.7%
證券
NT$32;		 1.1% 銀行
NT$2,962; 99.7%		 集團資本適足率4
雙重槓桿比率5		 125.26%
103.60%		 126.26%
104.09%		 0.8%
0.5%

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2013 年第一季營運成果

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1Q 2013 合併淨利與綜合損益 (in NT$ mn)
信用成本 (235)
保險準備 (151)
8,543 (386)
(4,605)
(582) 1,109 4,079
2,970
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
1Q 2012 合併淨利與綜合損益 (in NT$ mn)
信用成本 (432)
保險準備 (11)
8,788 (443)
(4,598)
(616) 3,131 32 3,163
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
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2013 年第一季主要子公司 * 獲利表現
-
稅後淨利
--
1Q 2013 稅後淨利 主要子公司 (in NT$ mn)
↓ 0.3% ↓ 5.1%
2,970
2,962
FFHC 7
Aviva 7
32 17
14
第一銀行 第一金證券 第一金投信 第一金人壽 金控合併
—
1Q 2012 稅後淨利 主要子公司 (in NT$ mn)
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2,972 3,131
FFHC 23
Aviva 23
132 28
46
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2013 年第一季營運成果

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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
9.80% [10.22%]
9.19% 8.80%
8.26%
7.44% 7.73% 7.73%
6.49% 6.67% 6.38%
4.92%
3.60%
2.66%
9,016 10,118
6,962 6,810 7,471 6,620
5,031 4,428
918 2,490 2,000 3,131 2,970
3M 10 6M 10 9M 10 2010 3M 11 6M 11 9M 11 2011 3M 12 6M 12 9M 12 2012 3M 13
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一銀淨利 & 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
8.52% 9.52% 9.53% 8.12% 10.16% 10.92% 9.81% 8.58% 9.44%
6.34% 6.82%
4.70%
3.56%
10,375
8,625 8,880
7,609
6,339 6,510
4,372 4,609
2,972 2,962
2,116 2,059
803
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一銀 2013 年第一季淨收益 & 稅前獲利

1Q13累積淨收益(in NT$ mn or %) 一銀稅前獲利佔比分析(in %)
項目 1Q12 1Q13 Change
7,672 淨利收
淨手續費收益		 74.0%
14.8%		 79.0%
15.6%		 +5.0%
+0.8%
投資收益/短投 0.9% 0.0% -0.9%
投資收益/長投 1.9% 1.0% -0.9%
7,921 -3.1% 投資收益/其他金融商品 7.9% 3.7% -4.2%
其他 0.5% 0.7% +0.2%
淨收益1 100.0% 100.0%
z
呆帳費用2		 -12.4% -14.2% +1.8%
1Q12 1Q13 調整:呆帳回收 +7.2% +11.6% +4.4%
累積淨收益* 營業費用 -50.2% -51.5% +1.3%
1Q13一銀淨收益&費用比較( NT$mn ) 稅前獲利 44.6% 45.9% +1.3%
↑3.4%
5,862 6,064 ↓0.6%
↑2.0% ↑11.1%
↓57.5%		 ↑57.0% 3,975 3,953
1Q
 12
淨		 1Q13
利收		 1Q12
↓32.8%
1,175
淨		 1Q13
1,199
手收		 1Q12
842
投資		 1Q13
1Q12
979
358
收益
呆帳		 1Q13
1,088
費用2		 1Q121Q13
565
887
呆帳回收		 1Q1
營		 2
業		 1Q13
費用

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一銀 2013 年第一季總放款結構

1Q13總放款1(in NT$ bn or %)
1,380.2
1,430.6
1Q12
1Q13
總放款1
+3.7%		 項目
1Q12
1Q13
Change
消金放款
26.3%
27.9%
+1.6%
房貸
25.5%
26.9%
+1.4%
其他消費貸款
0.8%
1.0%
+0.2%
法金放款
73.7%
72.1%
-1.6%
企業放款
48.5%
47.2%
-1.3%
外幣放款
17.7%
18.7%
+1.0%
政府及公營事業放款
7.5%
6.2%
-1.3%
總放款1
100.0%
100.0%
% of總放款1

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1Q13 總放款 [1 ] 佔比 (in NT$ bn ) ↑ 1.0% 676.2
669.7
↑ 9.6%
385.3
中小企↑ 6.5% ↑ 9.5%
244.2 267.3
↓ 14.6% Overseas
中小企 [2]
351.5 中小企 [2] 126.9
88.5 488.7
520.6 海外 海外
11.2 13.4 103.6 104.8 115.9
1Q12 1Q13 1Q12 1Q13 1Q12 1Q13 1Q12 1Q13 1Q12 1Q13
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

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一銀放款成長 (in NT$ bn)
總放款 1,363.1 1,354.4 1,380.2 1401.5 1403.3 1438.4 1430.6
QoQ%
中小企業 500.2 514.2 510.6 523.5 520.6 -0.6%
486.6 488.7
260.2 267.3 +2.7%
外幣放款 238.9 240.4 244.2 259.1 264.6
政府公營事業 128.9 98.3 103.6 95.2 68.3 92.0 88.5 -3.8%
+2.0%
房貸 343.0 350.0 351.5 358.6 367.3 377.9 385.3
企業放款 [2] -2.6%
641.7 654.3 669.7 676.3 690.3 694.5 676.2
3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13
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%
總放款 [1] 存放比 [2] 86.36% 86.05%
84.21% 84.72%
83.47%
78.14%
76.21% 76.51% 1,437.3
1,173.0 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
2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13
△
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%
1.47% 1.48% 1.49%
1.45%
1.38% 1.39% 1.41% 1.40% 1.40% 1.41% 1.50%
1.36%
1.26%
1.18% 1.20% 1.20% 1.21%
1.07% 1.10% 1.10% 1.10% 1.23%
1.02%
0.99% 1.00%
10Q2 10Q3 10Q4 11Q1 11Q2 11Q3 11Q4 12Q1 12Q2 12Q3 12Q4 13Q1
IFRS
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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) 2.01% 2.06% 2.06% 2.06% 2.09% 2.10% 2.10% 2.09%
1.89%
1.84% 1.92%
1.83%
1.47%
1.31% 1.31% 1.35% 1.30% 1.36% 1.38% 1.38% 1.37% 1.40% 1.41% 1.42%
0.68% 0.68% 0.69% 0.69% 0.69% 0.68%
0.64%
0.57% 0.59% 0.62%
0.52% 0.53%
2Q10 3Q10 4Q10 1Q 11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13
一銀外幣利差及成本分析 ( in % ) 放款利率 (FX) 存款利率 (FX)
利差 (FX)
2.49%
2.33% 2.38% 2.31% 2.43% 2.25%
2.10% 2.11% 2.14% 2.10% 2.14% 2.16%
1.97%
1.72% 1.73% 1.77% 1.69% 1.73% 1.70% 1.74% 1.84% 1.82% 1.90% 1.74%
0.59%
0.54% 0.49% 0.53% 0.52% 0.51%
0.46%
0.41% 0.41%
0 38% 0 38% 0 37%
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一銀房貸分析

1Q13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 (in %) (in %)
地區 1Q13 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
桃竹苗		 54%
16%		 **2.20% 2.26% 2.24% ** **2.22% ** **2.20% ** **2.18% ** **2.16% ** 2.15%
中部 10%
大台中
南部		 16% **68.71% ** **70.06% ** **70.53% ** 70.97% **67.01% ** **66.67% ** **66.68% ** 67.14%
台南/高雄
東部		 4% **50.47% ** **51.31% ** **51.64% ** **51.66% ** **48.89% ** **48.74% ** **48.87% ** 49.09%
總計 100.0% 6M11 9M11 2011 3M12 6M12 9M12 2012 3M13
房貸餘額及房貸逾放比 (in NT$ bn and % ) 房貸逾放比 ■ ↑4.3%
房貸餘額
0.38% 0.27% 0.23% 0.23% 0.21%
0.30% SME2 SME2 ↑17.2%
0.17%
↑36.8% 317.0 305.0
343.0
9M11		 35
20		 0.0
11		 351
3M		 .5
12		 358
6M1		 .6
2		 36
9M		 7.3
12		 377.9
2012		 385.3
3M13

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一銀特定產業貸放集中度
-
季度比較
1Q13 - 特定貸放產業佔比
總放款 . [1] : NT$1,430.6 bn
非製造業
71.2%
製造業 l
28.8% 批發零售
9.8%
科技 海運
8.0% 2.1%
運輸倉儲
太陽能 TFT-LCD 金屬 6.3%
1.19% 1.75% 5.2%
DRAM 不動產業
0.54% 6.1%
塑化 餐飲旅館
6.4%
1.1%
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一銀 2013 年第一季淨手續費結構
1Q 2013累積淨手續費(in NT$ mn or %) 累積淨手續費收益佔比
1,199 項目
財富管理1		 1Q12
46.1%		 1Q13
43.5%		 Change
-2.6%
1,175
1Q12
1Q13
+2.0%
淨手續費收益		 外幣
其他
放款相關
信用卡
累積淨手續費收益		 18.1%
14.0%
14.8%
7.0%
100.0%		 18.3%
13.7%
17.3%
7.2%
100.0%		 +0.2%
-0.3%
+2.5%
+0.2%
1Q13累積淨手續費佔比 ( in NT$ mn )
↓3.9%
542 521 ↑19.5% ↑3.3%
↑4.9%
↓23.7% 174 208 213
220		 82 86 164 164
↑3.0%
1Q12 1Q13 1Q12 1Q13 1Q121Q13 1Q12 1Q13 1Q12 1Q13
財富 管理 1 放款 相關 外幣 信 用卡 其 他2

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一銀 2013 年第一季營業費用比率

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||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
|1Q 2013|一銀營業費用|(in NT$ mn )|營業費用比率分析|( in NT$ mn)|
|項目|2012|數字依|IFRS|重新|1Q12|1Q13|
|計算以作比較|
|淨收益|7,921|7,672|
|3,953|
|營業費用|(3,975)|(3,953)|
|3,975|-0.6%|
|呆帳費用|(|淨|)|(414)|(201)|
|所得稅|(561)|(556)|
|1Q12|1Q13|
|淨利|2,972|2,962|
|營業費用|
|季度營業費用|&|營業費用佔比|( in NT$ mn or % )|
|依|IFRS|計算之比率|
|淨收益|營業費用|營業費用比率|
|51.68%|51.03%|51.53%|
|50.06%|50.18%|
|48.74%|49.31%|
|47.89%|
|46.63%|
|44.96%|
|43.98%|
|9,400|
|7,451|7,503|7,519|7,967|8,167|7,271|7,921|8,302|7,730|7,672|
|3,620|3,694|3,665|3,751|4,248|3,817|3,975|3,935|3,904|4,041|3,953|
|3Q10|4Q10|1Q11|2Q11|3Q11|4Q11|1Q12|2Q12|3Q12|4Q12|1Q13|

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第一銀行 2013 年第一季資產品質

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逾期放款 , 提存 , 覆蓋率 (in NT$ mn or % )
覆蓋率 逾放比 逾放 呆帳提存準備
248.97% 233.17%
238.38%
217.90%
211.76% 207.78%
161.44% 174.03%
123.69%
放款覆蓋率 (LLR) ，排除政府放款
1.25%
1.17%
1.11% 1.04% 1.09%
0.77%
0.60%
0.55%
0.47% 0.44% 0.47% 0.50% 0.44% 0.50%
12,589 12,774 15,992 16,889
13,064 13,886 14,443 14,077 14,782
10,178
7,912 7,507 6,373 6,059 6,648 7,114 6,423 7,243
3M 11 6M11 9M11 2011 3M12 6M12 9M12 2012 3M13
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一銀逾期放款分類表

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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
0.84%
0.77%
0.70% 0.70%
0.34% 0.30% 0.31% 房貸 0.63%
0.25%
0.20%
0.27%
0.23% 0.23% 0.21% 0.17% 0.50% 0.49% 0.55%
0.41% 0.40%
1Q12 2Q12 3Q12 4Q12 1Q13
1Q12 2Q12 3Q12 4Q12 1Q13
國內與海外放款逾放比 (in%) 全部放款逾放比率 (in %)
全部放款逾放比
國內 海外 1.09%
0.66% 0.72% 0.73% 0.70% 0.44% 0.47% 0.50% 0.44% 0.50%
0.43%
0.41% 0.47% 0.40% 0.41%
1Q12 2Q12 3Q12 4Q12 1Q13 1Q12 2Q12 3Q12 4Q12 1Q13
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一銀 2013 年第一季新增逾放款分析

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1Q 2013 新增逾放 (in NT$ mn ） 1Q 2013 FB 逾期放款分類 (in NT$ mn or %)
項目 1Q12 1Q13 項目 國內 海外
第 1 季初逾放總額 5,057 1,367
新增逾放 28 1,051
+)20131Q- 新增逾放 (49) 1,100
總放款 1,386,314 1,437,326
-)20131Q - 淨轉銷數 (19) (212)
比率 0.00% 0.07% 第 1 季末逾放總額 4,989 2,254
季度新增逾放 ( in NT$ mn or %)
轉銷數 新增逾放 新增逾放 / 總放款
0.15%
0.09% 0.07%
0.01% 0.01% 0.00% 0.00% 0.00%
2,137
-0.11%
-0.15%
1,548
1,337 1,051
949 868 831 871 682
532 525
161 120 342 28 (9) 231
(174) (303)
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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
現增 CAR
NTD 16.4 bn
125.55% [126.26%]
120.19% [123.71%] 119.69% 123.00%
117.99% 117.05%
115.14%
111.50%
103.60%
statutory CAR 100%
一銀資本適足率與第一類資本
現增
NTD 15 bn
CAR
10.75% 10.88% 10.91% 11.01% 10.01% 10.36% 10.14% 10.94% 10.44% 11.51% 11.44%
Tier 1
8.28% 8.23% 8.41% 8.49%
7.03% 7.10% 7.08% 7.45% 7.13% 7.00% 6.82%
1H 08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 1Q13
1H08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 1Q13
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股利政策

0.75
0.75
1.82
0.44
1.20
2.05
2007
2008
2009
每股盈餘
股利
第一金控每股盈餘與股利派發
( in NT$ dollar )		 0.75
0.75
1.82
0.44
1.20
2.05
2007
2008
2009
每股盈餘
股利
第一金控每股盈餘與股利派發
( in NT$ dollar )		 0.75
0.75
1.82
0.44
1.20
2.05
2007
2008
2009
每股盈餘
股利
第一金控每股盈餘與股利派發
( in NT$ dollar )		 0.90
0.96		 0.90
0.96
2007
2008
2009		 2010
年度股利政策
( in NT$ dollar )
2007
2008
2009		 2010 2011
2012*
現金股利 1.70
0.50
0.50		 0.30 0.40
0.45
股票股利 0.12
0.25
0.25		 0.60 0.60
0.65
總計股利 1.82
0.75
0.75		 0.90 1.00
1.10

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海外發展

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一銀 2013 年第一季海外業務盈餘

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1Q13 一銀海外分行利益分析 ( in % ) 1Q13 一銀全行稅前獲利分析 ( in NT mn & %)
63.6%; OBU 其他地區 ;
3.0%
國內分行 ;
大中華地區 ; 78.8%
14.4%;
香港 18.2%
5.1%; 上海
14.2%; 其他
2.7%; 澳門
海外分行
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
34.6% 37.6% 37.7% 36.9%
30.5% 28.7% 30.6% 27.3%
21.2%
4,214
3,532 3,518
3,077 3,160
2,749
2,525
1,759
1,381
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中國地區租賃業務發展

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蘇州租賃公司稅前獲利與放款餘額 (in RMB ‘000)
一銀租賃 ( 蘇州 ) 稅前獲利 (in RMB ‘000) 租賃放款餘額 (in RMB ’000)
2011 年 3 月開業
262,471
226,265
5,103 5,474
2012 1Q13
成都租賃公司稅前獲利與放款餘額 (in RMB ‘000)
第一金租賃 ( 成都 ) 稅前獲利 (in RMB ‘000) 租賃放款餘額 (in RMB ’000)
2012 年 1 月開業 - 216,511
3% 呆帳提列及兌換損
129,780
失
3,236
(164)
2012 1Q13
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附件

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第一金控綜合損益表

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

Full Year Results Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
~~2010~~
~~2011~~
~~2012~~		 ~~1Q12~~ ~~1Q13~~ ~~Change~~
Net interest income
6,135
Net service fee & commission
1,501
Net Insurance revenue
38
Gain on financial assets meas.
726
at fair value through P/L
Real estate investment gain
68
Gain on AFS financial assets
132
Gain on HTM financial assets
1
Income from equity invest.
0
Net gain on F/X
81
Assets impairment loss
0
Others
105
Ner Revenue
8,788
Net Provision for credit losses
(432)
Recovered(provided) for insurance re
(11)
Operating Expense
(4,598)
Income from continued op. before t
3,747
Income tax expenses
(616)
Consolidated net income
3,131		 6,310
1,462
197
1
63
30
(3)
26
390
9
58
8,543
(235)
(151)
(4,605)
3,552
(582)
2,970		 2.9%
-2.6%
418.4%
-99.9%
-7.4%
-77.3%
-400.0%
--
381.5%
--
-44.8%
-2.8%
-45.6%
-1272.7%
0.2%
--
-5.5%
-5.1%
Other Items
32
ComprehensiveIncome
3,163		 1,109
4,079		 3365.6%
29.0%
Net Income attributed to:
Parent
3,109
Minorityinterests
23		 2,963
7		 -4.7%
-69.6%

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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$, or %
Full Year Results Year-over-Year Comparison
2010 2011 2012 1Q12 1Q13 Change
Operating revenues
Income from long-term investment 7,299 8,857 10,634 3,194 3,058 -4.3%
Other income
1		 222 238 252 11 5 -54.5%
Total revenues 7,521 9,095 10,886 3,205 3,062 -4.5%
Loss from long-term investment (73) (992) (337) 0 (6) --
Operating expenses (215) (235) (230) (60) (58) 3.3%
Other expenses and losses (205) (228) (145) (36) (36) 0.0%
Income from continued op. before tax 7,027 7,641 10,174 3,109 2,963 -4.7%
Income from continued po. after tax 7,032 7,602 10,174 3,109 2,963 -4.7%
Income from discontinued op., net of t 0 0 0 0 0 --
Net income 7,032 7,602 10,174 3,109 2,963 -4.7%
EPS2(NT$) 0.96 1.01 1.25 0.38 0.36 -5.3%

  1. EPS is adjusted retroactively for stock dividends

  2. Including income other than long-term investment

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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 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2010 2011 2012 1Q12 1Q13 Change
Non-consolidated Balance Sheet Data
Long-term investment 106,075 127,331 135,490 133,119 141,812 6.5%
Total non-consolidated assets 119,493 135,716 143,073 137,885 145,459 5.5%
Total liabilities 13,496 8,999 9,164 9,395 9,226 -1.8%
Total shareholders' equity 105,997 126,717 133,909 128,490 136,233 6.0%
Conolidated Balance Sheet Data
Total consolidated assets 2,048,867 2,080,970 2,118,538 2,098,598 2,147,634 2.3%
Total liabilities 1,942,118 1,953,609 1,984,050 1,969,447 2,010,831 2.1%
Total shareholders' equity 106,749 127,361 134,488 129,151 136,803 5.9%
Parent's shareholders' equity 105,997 126,717 133,909 128,491 136,233 6.0%
Minority interests 752 644 579 660 571 --
Current shares outstanding 64,768 76,654 81,254 76,654 81,254 6.0%

*figures may not match due to rounding

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第一金控主要財務比率

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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		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1Q12 1Q13 Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR
2
Debt Ratio3		 0.60%
9.80%
16.76
76,654
103.60%
125.26%
6.81%		 0.56%
8.80%
16.76
81,254
104.09%
126.26%
6.34%		 -6.7%
-10.2%
0.0%
6.0%
0.5%
0.8%
-6.9%

  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		 1Q12
1Q13
Change
Net interest income
5,862
6,064
3.4%
Net fee income
1,175
1,199
2.0%
Net gain on ST invest.
73
(4)
-105.5%
Net gain on LT invest.
147
76
-48.3%
Net gain on other fin. product
622
286
-54.0%
Other net income
42
51
21.4%
Net revenue
7,921
7,672
-3.1%
Operating expenses
(3,975)
(3,953)
-0.6%
Pre-provisiion pre-tax profit
3,946
3,719
-5.8%
Provision expense
(979)
(1,088)
11.1%
Adjustment: bad-debt recov
565
887
57.0%
Income before tax
3,532
3,518
-0.4%
Income tax
(561)
(556)
-0.9%
Net income
2,972
2,962
-0.3%
Year-over-Year Comparison		 Year-over-Year Comparison
1Q12 1Q13 Change
6,064
1,199
(4)
76
286
51
7,672
(3,953)
3,719
(1,088)
887
3,518
(556)
2,962		 3.4%
2.0%
-105.5%
-48.3%
-54.0%
21.4%
-3.1%
-0.6%
-5.8%
11.1%
57.0%
-0.4%
-0.9%
-0.3%
Other items
(11)
Comprehensive income
2,961		 1,040
4,002		 -9554.5%
35.2%
  • 1Q12&1Q13 are stated in accordance with IFRS.

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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
ROAA2
ROAE2		 2010
2011
2012
1Q12
1Q13
Change
1.41%
1.41%
1.49%
1.45%
1.52%
0.07%
1.02%
1.10%
1.21%
1.18%
1.26%
0.08%
51.03%
50.06%
46.63%
50.18%
51.53%
1.35%
78.14%
84.72%
89.49%
86.05%
88.51%
2.46%
0.84%
0.47%
0.44%
0.44%
0.50%
0.06%
112.58%
217.90%
248.97%
238.38%
233.17%
-5.21%
10.36%
10.94%
11.51%
11.05%
11.44%
0.39%
7.00%
8.28%
8.41%
8.48%
8.49%
0.01%
0.32%
0.43%
0.51%
0.60%
0.56%
-6.67%
6.82%
8.12%
8.58%
10.16%
9.44%
-7.09%
Year-over-Year Comparison
Full Year Results		 2010
2011
2012
1Q12
1Q13
Change
1.41%
1.41%
1.49%
1.45%
1.52%
0.07%
1.02%
1.10%
1.21%
1.18%
1.26%
0.08%
51.03%
50.06%
46.63%
50.18%
51.53%
1.35%
78.14%
84.72%
89.49%
86.05%
88.51%
2.46%
0.84%
0.47%
0.44%
0.44%
0.50%
0.06%
112.58%
217.90%
248.97%
238.38%
233.17%
-5.21%
10.36%
10.94%
11.51%
11.05%
11.44%
0.39%
7.00%
8.28%
8.41%
8.48%
8.49%
0.01%
0.32%
0.43%
0.51%
0.60%
0.56%
-6.67%
6.82%
8.12%
8.58%
10.16%
9.44%
-7.09%
Year-over-Year Comparison
Full Year Results		 2010
2011
2012
1Q12
1Q13
Change
1.41%
1.41%
1.49%
1.45%
1.52%
0.07%
1.02%
1.10%
1.21%
1.18%
1.26%
0.08%
51.03%
50.06%
46.63%
50.18%
51.53%
1.35%
78.14%
84.72%
89.49%
86.05%
88.51%
2.46%
0.84%
0.47%
0.44%
0.44%
0.50%
0.06%
112.58%
217.90%
248.97%
238.38%
233.17%
-5.21%
10.36%
10.94%
11.51%
11.05%
11.44%
0.39%
7.00%
8.28%
8.41%
8.48%
8.49%
0.01%
0.32%
0.43%
0.51%
0.60%
0.56%
-6.67%
6.82%
8.12%
8.58%
10.16%
9.44%
-7.09%
Year-over-Year Comparison
Full Year Results
1Q13 Change
1.52%
1.26%
51.53%
88.51%
0.50%
233.17%
11.44%
8.49%
0.56%
9.44%		 0.07%
0.08%
1.35%
2.46%
0.06%
-5.21%
0.39%
0.01%
-6.67%
-7.09%

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

  2. Annualized figures.

  3. CAR and Tier 1 updated semi-annually.

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第一銀行放款品質

FB NPL Migration in NT$ million or %

NPL- beginning
Net new NPL influx
Net write-offs
NPL- ending balance
Allowance for loan loss- beginning
Provisions for loan loss
Net write-offs
Others
Allowance for loan loss- ending
NPL ratio
Coverage ratio		 2009
2010
2011
2012
16,916
14,615
10,550
6,373
4,776
1,270
(1,421)
3,493
(7,077)
(5,335)
(2,756)
(3,443)
14,615
10,550
6,373
6,423
9,365
12,386
11,877
13,886
10,151
5,273
4,825
5,705
(7,077)
(5,335)
(2,756)
(3,443)
(53)
(447)
(60)
(156)
12,368
11,877
13,886
15,992
1.32%
0.84%
0.47%
0.44%
84.75%
112.58%
217.90%
248.97%
Full Year Resu		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1Q12 1Q13 Change
6,373
28
(342)
6,059
13,886
962
(342)
(63)
14,443
0.44%
238.38%		 6,423
1,051
(231)
7,243
15,992
1,063
(231)
65
16,889
0.50%
233.17%		 0.8%
--
-32.5%
19.5%
15.2%
10.5%
-32.5%
-203.2%
16.9%
0.1%
-5.2%
  1. Non-consolidated basis

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第一金證券營運報告
First Securities Financial Results Summ
in NT$ million or %
Full Year Result Year-over-Year Comparison
2010 2011 2012 1Q12 1Q13 Change
First Sec Income Statement Summary
Total operating income
Brokerage commission 919 804 659 Brokerage commission 204 152 -25.5%
Net interest income 420 408 281 Net interest income 69 64 -7.2%
Underwriting commission 44 43 79 Underwriting commission 20 18 -10.0%
Priciple transaction gains, net 457 (620) (37) Transaction gains through F/V, net 155 85 45.2%
Other operating income 96 98 187 Other operating income 2 2 0.0%
Total operating income 1,936 733 1,169 Total operating income 450 321 -28.7%
Total operating expenses (1,422) (1,476) (1,374) Total operating expenses (335) (315) -6.0%
Non-operating income 124 (14) 21 Non-operating income 25 19 --
Income before tax 638 (759) (184) Income before tax 140 25 -82.1%
Income tax (54) (71) 17 Income tax (8) 7 --
Cummulative effect of change in accounting principle 0 0 0 Cummulative effect of change in acc 0 0 --
Net income 584 (830) (167) Net income 132 32 -75.8%
First Sec Key Ratios First Sec Key Ratios
ROAE (Annualized) 7.94% -11.78% -2.60% ROAE (Annualized) 8.08% 2.04% -74.8%
ROAA (Annualized) 3.04% -4.74% -1.02% ROAA (Annualized) 3.16% 0.80% -74.7%
Brokerage market share 1.66% 1.52% 1.62% Brokerage market share 1.61% 1.65% 0.0%
Margin loan market share 2.07% 1.99% 1.99% Margin loan market share 2.08% 2.20% 0.1%

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第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1Q12 1Q13 Change
113
0
113
(82)
2
33
(5)
28
0
28		 130
1
131
(112)
2
21
(4)
17
0
17		 15.0%
--
15.9%
36.6%
0.0%
-36.4%
-20.0%
-39.3%
--
-39.3%
FSITC Key Ratios
AUM
92,188
97,401
81,568
AUM Ranking
8
5
8		 92,369
9		 76,408
9		 -17.3%
--
  1. Non-consolidated basis

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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 1Q12 1Q13 Change
Income Statement Summary
Operating Revenue 6,314 4,993 7,342 1,564 2,773 77.3%
Premium Income 5,856 4,788 6,381 1,232 2,286 85.6%
Other insurance income 17 23 42 8 16 100.0%
Net Investment Income 441 182 919 324 471 45.4%
Operating Cost (6,139) (4,902) (7,080) (1,431) (2,674) 86.9%
Reinsurance commission (5) (6) (10) (2) (3) 50.0%
Reserves (4,527) (1,128) (3,002) (413) (1,429) 246.0%
Claims (1,477) (3,595) (3,825) (966) (1,169) 21.0%
Commission (130) (172) (243) (51) (73) 43.1%
Others 0 0 0 0 0 --
Operating Expenses (319) (359) (377) (88) (86) -2.3%
Sales related expenses (32) (56) (60) (11) (9) -18.2%
Management expenses (278) (287) (300) (73) (72) -1.4%
Other expense (9) (16) (17) (4) (5) 25.0%
Profit/Loss of Operation (145) (268) (115) 46 13 -71.7%
Non-Operating Profit 2 0 0 0 0 --
Profit/Loss Before Tax (143) (268) (115) 46 13 -71.7%
Income tax 0 0 0 0 (1) --
Net Income after tax (143) (268) (115) 46 14 -69.6%
Key Ratios
ROAE(Annualized ratio)
ROAA(Annualized ratio)		 -9.00%
-0.77%		 -18.82%
-1.29%		 -9.21%
-0.51%		 13.80%
0.88%		 4.60%
0.20%		 -66.7%
-77.3%

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