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First Financial Holding Co. Ltd. Interim / Quarterly Report 2014

Dec 10, 2014

52222_rns_2014-12-10_985732bb-0706-4ef0-a64e-d5db421f80b7.pdf

Interim / Quarterly Report

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野村證券台灣金融日 第一金控 2014 年截至第三季營運報告 December 12, 2014

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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。

2 

內容

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- 公司簡介 - 2014 年第三季業務摘錄

  • 財務資料

  • 營運成果

  • - 附件

3

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公司簡介

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第一金控簡介

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  • 成立於1899年, 第一銀行( “ FCB ” ) 具有廣大知名度, 也 ” ”

  • 是台灣習稱 三商銀 之一, 旗下分行據點廣布台灣及 海外各處,見證了台灣經濟起飛之歷史.

  • 第一金控, 以第一銀行為其主要旗艦子公司,於 2003年正式成立 .

    • 擁有綿密之分行據點及強大的通路布局-造 就低廉的資金成本及高於同業的流動性存 款比率

    • 金控旗下現有證券,投信,人壽及其他子公司 ,除提供客戶全方位金融服務外,仍持續尋找 適合標的購併或納入事業版圖.

  • 存款市佔率 5.5% 2014/9/30

  • 放款市佔率 5.8%

  • 金控資產排名 第 9

  • 中小企業放款 第 1

  • 購屋房貸 第 7

  • 進出口融資 第 3

  • 基金銷售 第 4

  • 保管業務 第 1

  • 分行家數 190 國內 /25 海外

財務摘要

$mn, except per
share amounts		 2011 2012 2013 3Q2014
淨收益 32,559 36,659 36,466 31,794
淨利 7,471 10,118 10,877 11,705
EPS 1.01 1.25 1.26 1.26
ROAE 6.38% 7.73% 7.94% 10.73%

2013 年截至第三季 績效

in NT$ mn
第一銀行 淨利 10,936
第一金證券 淨利 194
第一金投信 淨利 85
第一金人壽 淨利 26

第一金控股權結構
政府(直接21.07%;間接: 7.42%) 28.49%
 其他: 50.61%
5
外國機構法人:
 20.90%
基準日：2014/4/23

同業比較

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In NT billion/ market share
Data as of 2014/9/30
10.97% 存款 – 台灣排名第 6 中小企業放款 – 台灣排名第 1
11.35%
3,517 7.41% 10.38%
572
6.30%
5.98% 523 8.20%
2,376 5.55% 5.52% 7.74%
2,020 1,917 413 391
1,781 1,769
Bank of Taiwan Cooperative Land Bank Mega Hua Nan First Bank First Bank Cooperative Bank Taiwan Business Hua Nan
Bank
Bank
放款 – 台灣排名第 5 基金銷售 – 台灣排名第 4
9.21%
172
7.53% 7.40%
2,368 6.65%
113
5.77%
1,937 1,903 5.58% 96
92
1,710
1,483 1,436
Bank of Taiwan Cooperative Land Bank Mega First Bank Hua Nan Chinatrust Fubon Hua Nan First Bank
Bank
Source: Financial Supervision Commission, Banking Bureau
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放款 – 台灣排名第 5
9.21%
7.53% 7.40%
2,368 6.65%
5.77%
1,937 1,903 5.58%
1,710
1,483 1,436
Bank of Taiwan Cooperative Land Bank Mega First Bank Hua Nan
Bank
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基金銷售 – 台灣排名第 4
172
113
96
92
Chinatrust Fubon Hua Nan First Bank
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2014年第三季業務摘錄

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2014年 第三季 – 超越更好

  • 銀行子公司 2014 年第三季手續費收益表現亮麗，成為獲利焦點 : 大幅躍升之銀行手續費收益，主要來自財富管理及放款業務貢獻動能，展現通 路優勢且應可持續擴增至2015年

- 不動產備抵呆帳額外提列 —1%→1.5% :

據2014年8月底放款數字推估，所需額外增提之備抵呆帳金額約NT $15億元

  • 2015 年 : 金融業更有挑戰的一年 台灣升息循環之影響可能提前反應: 若通膨情勢加溫及資金成本提高，加上亞 洲貨幣貶值潮，預估此一影響可能早於正式升息

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一銀核心獲利(淨利收與手續費收益)趨勢
及放款利差
一銀淨利收 , 手續費收益 (NT$ mn )
8,631
淨利息收益 手續費收益 總核心獲利
8,237
8,007
7,866
7,688
6,926
6,267 6,401 6,601 6,712
1,421 1,465 1,406 1,525 1,705
3Q13 4Q13 1Q14 2Q14 3Q14
2014 年第二季至第三季各月利差及放款餘額比較 (in % & NT$ bn) 1.597% 整體利差
躍升
放款餘額 放款利差 ( 全行 )
1.572% 1.572%
1.559%
1.551%
1,488.4
1,479.4
1,473.1
1,467.2 1,466.3
14-Jun 14-Jul 14-Aug 14-Sep 14-Oct
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2014年截至第三季財務資料

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2014 年截至第三季主要財務數字

3Q14
11,7051
12,845
2,327,379
1.26
16.12
92,593
10.73%
0.68%
122.27%
106.06%
YoY %
26.0%
36.3%
5.4%
26.0%
1.1%
7.0%
17.5%
19.3%
-0.7%
2.7%
3Q13
9,2931
9,421
2,207,909
1.00
15.94
86,535
9.13%
0.57%
122.92%
103.38%
稅後淨利
綜合損益2
總資產
每股盈餘
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
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
3Q 2014獲利組合1( in NT$ mn) 3Q14
11,7051
12,845
2,327,379
1.26
16.12
92,593
10.73%
0.68%
122.27%
106.06%
YoY %
26.0%
36.3%
5.4%
26.0%
1.1%
7.0%
17.5%
19.3%
-0.7%
2.7%
3Q13
9,2931
9,421
2,207,909
1.00
15.94
86,535
9.13%
0.57%
122.92%
103.38%
稅後淨利
綜合損益2
總資產
每股盈餘
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
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
銀行
NT$10,936; 93.4%
證券
NT$194; 1.7%
投信
NT$85; 0.7%
其他
NT$215;1.8%
保險
NT$26; 0.2%
AMC
NT$249; 2.1%

1.[依各公司管理事業群之分類方式決定應單獨列示之業務別財務資訊，填列合併沖銷後之金額]

  1. 2013[年起依] IFRS[會計準則編製綜合損益表] 3.[年化後數字]

4.[資本適足率每半年更新一次] 5.[雙重槓桿比率] =[股權投資] /[股東權益]

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2014年截至第三季營運成果

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2014 年截至第三季 合併淨利與綜合損益 (in NT$ mn)
信用成本 (2,840)
保險準備 (377)
31,794 (3,217)
(15,082)
26.0%
↑
(1,790)
12,845
11,705
1,139
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
2013 年截至第三季 合併淨利及綜合損益 (in NT$ mn)
信用成本 (1,581)
保險準備 594
26,458
(987) (14,035)
(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
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2014年截至第三季主要子公司*獲利表現 - 稅後淨利

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2014 年截至第三季稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 26.0%
↑21.8% 11,705
10,936
↑115.6% ↑76.6%
↑ 9.0%
FFHC 13
Aviva 13
194 85 26 249
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
2013 年截至第三季稅後淨利 — 主要子公司 (in NT$ mn)
9,293
8,977
FFHC 49
Aviva 48
90 78 97 141
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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  • 僅列示主要 5 家子公司獲利 .

13

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2014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

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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
11.42%
9.80% 10.46% 9.20% 8.80% 9.48% 9.13% 10.20% 10.73%
7.73% 7.94%
9,016 10,118 9,293 10,877 8,205 11,705
6,680 6,361
3,131 2,970 3,655
3M 12 6M 12 9M 12 2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14
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
10.16% 11.14% 9.73% 9.44% 9.84% 9.49% 10.59% 11.10% 10.60%
8.58% 8.35%
10,375 10,645 10,936
8,880 8,977
7,527
6,551 6,144
3,543
2,972 2,962
3M 12 6M 12 9M 12 2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14
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  1. 含少數股權

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一銀 2014年截至第三季稅前獲利
3Q14累積淨收益 (in NT$ mn or %) 一銀稅前獲利佔比分析 (in %)
項目 3Q13 3Q14 Change
28,244 淨利收
淨手續費收益		 75.4%
16.1%		 71.7%
16.4%		 -3.7%
+0.3%
投資收益/短投 0.2% 0.4% +0.2%
投資收益/長投 2.6% 2.3% -0.3%
24,488 +15.3% 投資收益/其他金融商品
其他		 5.6%
0.1%		 9.1%
0.1%		 +3.5%
0.0%
淨收益1 100.0% 100.0%
z
呆帳費用2		 -16.8% -16.4% -0.4%
3Q13 累積淨收益 3Q14 調整:呆帳回收
營業費用		 +10.8%
-49.4%		 +6.8%
-45.4%		 -4.0%
-4.0%
2014截至第三季 淨收益&費用比較( NT$mn ) 稅前獲利 43.2% 45.0% +1.8%
18,464 20,239 ↑9.6% ↑6.0%
↑17.9% ↑12.5%
↑ 60.5%		 ↓27.6% 12,093 12,820
↓32.8%
3,932		 4,636 2,062 4,120
3,309		 4,637 2,635
1,909
3Q13 3Q14 3Q13 3Q14 3Q13 3Q14 3Q13 3Q14 3Q133Q14 3Q13 3Q14
淨利收 淨手收 投資收益
呆帳費用2		 呆帳回收 營業費用

  1. 呆帳費用不含呆帳回收

  2. 數字均依 IFRS 準則分類計算

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一銀 2014年截至第三季 總放款結構

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3Q14 總放款 [1] (in NT$ bn or %) % of 總放款 [1]
項目 3Q13 3Q14 Change
消金放款 28.1% 27.6% -0.5%
1,488.4
房貸 27.0% 26.3% -0.7%
其他消費貸款 1.1% 1.3% +0.2%
法金放款 71.9% 72.4% +0.5%
1,438.2 企業放款 47.6% 47.4% -0.2%
+3.5%
--- 中小企業 37.3% 38.4% +1.1%
外幣放款 19.7% 22.2% +2.5%
--- 海外分行 8.7% 10.4% +1.7%
3Q13 3Q14 政府及公營事業放款 4.6% 2.8% -1.8%
總放款 [1 ]
總放款 [1 ] 100.0% 100.0%
3Q14 總放款 [1] 佔比 (in NT$ bn ) 704.9
企業
685.3 ↑2.9%
↑0.8% 中小企業 ↑6.6%
外幣
391.1
↑ 16.8%
330.9
283.2
388.0 ↓37.0% 中小企 [2 ] 中小企 [2 ]
536.4
41.9 571.9 海外 海外 海外
15.2 19.6 66.5 124.9 154.8 ↑ 23.9%
3Q13 3Q14 3Q13 3Q14 3Q13 3Q14 3Q13 3Q14 3Q13 3Q14
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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  1. 總放款不含催收款

  2. 中小企業放款依經濟部定義；含外幣放款

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一銀總放款結構 -季度比較

一銀總放款結構
-季度比較		 一銀總放款結構
-季度比較		 一銀總放款結構
-季度比較		 一銀總放款結構
-季度比較		 一銀總放款結構
-季度比較		 一銀總放款結構
-季度比較
676.2
682.4
685.3
689.2
678.5
692.7
704.9
385.3
387.9
388.0
393.3
391.8
88.5
85.1
40.4
72.4
46.3
41.9
267.3
273.2
283.2
293.0
306.4
317.5
330.9
391.1
392.2
66.5
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
1430.6
1442.9
1438.2
1433.0
1466.0
1467.2
1488.4
總放款
1
QoQ% YTD%
524.6
536.4
545.9
538.8
562.7
571.9
523.5
QoQ ↑ 1.4%
一銀放款成長 (in NT$ bn)
企業放款2
房貸
政府公營
外幣放款
中小企業
+1.6%
+4.8%
+4.2%
+12.9%
-9.5%
+3.7%
-0.3%
-0.6%
+1.8%
+2.3%
676.2
682.4
685.3
689.2
678.5
692.7
704.9
385.3
387.9
388.0
393.3
391.8
88.5
85.1
40.4
72.4
46.3
41.9
267.3
273.2
283.2
293.0
306.4
317.5
330.9
391.1
392.2
66.5
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
1430.6
1442.9
1438.2
1433.0
1466.0
1467.2
1488.4
總放款
1
QoQ% YTD%
524.6
536.4
545.9
538.8
562.7
571.9
523.5
QoQ ↑ 1.4%
企業放款2
房貸
政府公營
外幣放款
中小企業
+1.6%
+4.8%
+4.2%
+12.9%
-9.5%
+3.7%
-0.3%
-0.6%
+1.8%
+2.3%
+1.6% +4.8%
+4.2% +12.9%
-95% +37%
.
-0.3%		 .
-0.6%
+1.8% +2.3%
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
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

  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 [1] & 存放比 [2] (in NT$ bn or % )
總放款 [1 ] 存放比 [2 ]
89.49%
88.28% 88.71% 88.51% 88.29%
86.05% 86.54%
84.51% 84.49%
83.50% 83.48%
1,386.3 1,408.0 1,410.3 1,445.2 1,437.3 1,449.2 1,447.7 1,439.9 1,470.6 1,470.9 1,491.8
1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14
△
存放利差 / 淨利息收益率 (NIM) ( in % )
存放利差 [3 ] NIM [3 ]
1.52% 1.53% 1.54% 1.55% 1.55% 1.55% 1.55%
1.47% 1.48% 1.49%
1.45%
1.26% 1.26% 1.26% 1.26% 1.28% 1.28% 1.28%
1.20% 1.20% 1.21%
1.18%
1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14
----- End of picture text -----

  1. 總放款 = 放款 + 進 / 出口買匯 + 催收款項

  2. 存放比 = 總放款 / 總存款 ( 含郵政轉存款 )

  3. 利差 及 淨利息收益率 均為累積年度平均數

19

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

一銀台外幣利差
----- End of picture text -----

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

一銀台幣利差及成本分析 ( in % )
存款利率 (NTD) 放款利率 (NTD) 利差 (NTD)
1.56%
1.53%
1.52% 1.52%
1.50%
1.47% 1.48%
2.09% 2.10% 2.11% 2.15% 2.13% 2.12% 2.16%
0.62% 0.62% 0.61% 0.61% 0.61% 0.60% 0.60%
1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14
一銀外幣利差及成本分析 ( in % ) 存款利率 (FX) 放款利率 (FX)
1.83% 利差 (F/X)
1.74% 1.76% 1.75%
1.67%
1.65%
1.59%
2.25% 2.29% 2.42% 2.38% 2.52% 2.65% 2.51%
0.87% 0.98% 0.92%
0.51% 0.53% 0.59% 0.64%
1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14
----- End of picture text -----

  • 以上利率均為 季度加權平均數字

20

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一銀特定產業貸放集中度

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

3Q14 - 特定貸放產業佔比
6.08% 13.11%
11.42% 5.96%
製造業 ; 28.14%
5.29%
塑化
3Q14
7.13% 金屬
總放款餘額 7.05% 科技
3.34% $1,575 bn 機械
其他製造
3.48% 私人放款 ( 含房貸 )
建築營造
6.36%
不動產
批發零售
30.78%
運輸
其他
----- End of picture text -----*

  • 總放款不含催收款 .

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一銀房貸分析

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

--
3Q14 房貸 依地區別 (in %) 房貸利率 & 房貸成數比 (in %)
地區 3Q14 新承作房貸成數比 平均房貸成數
北部 70%
平均房貸利率
大台北都會 54%
桃竹苗 16% 2.15% 2.15% 2.15% 2.15% 2.15% 2.15% 2.16%
中部 10%
大台中
南部 16% 67.14% 66.82% 66.23% 65.99% 65.74% 65.61% 65.37%
台南 / 高雄
49.09% 48.77% 48.14% 48.00% 47.59% 47.34% 46.94%
東部 4%
總計 100.0%
Mortgage 逾期放款 (in % ) 3M13 6M13 9M13 2013 3M14 6M14 9M14
↑4.3%
近一年各月份新承作房貸金額 (in NT$mn)
單月份新承作房貸金額
YoY% -24.3%
7,275 8,202 7,940 8,527 8,104 6,213 6,368 SME 6,535 [2 ] SME 6,725 [2 ] 6,077 5,359↑17.2% 5,507
4,212 317.0 305.0
9M13 10M13 11M13 12M13 1M14 2M14 3M14 4M14 5M14 6M14 7M14 8M14 9M14
----- End of picture text -----

22

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一銀2014年截至第三季淨手續費結構

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

3Q14 累積淨手續費收益 (in NT$ mn or %) 累積淨手續費收益佔比
項目 3Q13 3Q14 Change
財富管理 [1 ] 46.3% 49.4% +3.1%
4,636
外幣 17.2% 15.2% -2.0%
其他 13.3% 14.0% +0.7%
+17.9%
3,932
放款相關 16.7% 15.2% -1.5%
信用卡 6.5% 6.3% -0.2%
3Q13 3Q14
累積淨手續費收益 100.0% 100.0%
淨手續費收益
3Q14 累積淨手續費收益佔比 ( in NT$ mn )
↑ 25.7%
2,288
1,820
↑7.6% ↑4.1%
↑23.9%
↓ 23.7% 706 ↑12.8%
656 675 703 648
291 523
↑3.0% 258
3Q13 3Q14 3Q13 3Q14 3Q13 3Q14 3Q13 3Q14 3Q13 3Q14
財富管理 [1 ] 放款相關 外幣 信用卡 其他 [2 ]
----- End of picture text -----

  1. 財富管理手收 = 保管費手收 + 信託手收 + 銀行保險手收

  2. 其他為含海外分行在內之通路手續費

23

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一銀淨手續費收益

-季度比較

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

淨手續費收益 (in NT$ mn)
1,705 YoY% +20.0%
1,525
1,421 1,465 1,406
1,312 QoQ% +11.8%
淨手續費
收益
248
197 100
203
194 203
100
165 95 237
87
其他 85 91 243
信用卡手收 228 251 223 250
227
外匯手收 232
226 237 100
224
222 93 3Q14(YoY%)
放款手收 87 86 84 +28.5%
87
770
581 660 基金銷售 &
599 594
保管手收 526 銀行保險手收
財管
基金 & 銀行保險
手收
手收
2Q13 3Q13 4Q13 1Q14 2Q14 3Q14
----- End of picture text -----

  • 財富管理手收 = 保管手收 + 基金手收 + 銀行保險手收

  • 其他為含海外分行在內之通路手續費

24

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一銀 2014截至第三季海外業務盈餘

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

3Q14 一銀海外分行稅前獲利分析 ( in % ) 3Q14 一銀全行稅前獲利分析 ( in NT$ mn & %)
8.9% 全行稅前獲利
5.7%
54.6% $12,696 mn
OBU
12.7% 來自國內分行 ;
上海 56.2%
3Q2014
澳門
全體海外分行
$5,567 mn 香港
北美
11.3%
東協 來自其他 ; 11.6% 來自大中華地區 ; 32.2%
0.8% 6.0% 其他
季度海外地區稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
47.3% 44.0% 43.9%
36.9%
34.6%
21.2% 30.6% 19.9%
4,642
4,087
3,967
3,895
3,518 3,496
1,759 1,675
1,280 1,447 1,932 1,910 1,725
568 745
150
4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14
----- End of picture text -----

  • 數字依 IFRS 準則列示

25

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一銀2014年截至第三季營業費用比率

7,672
8,101
8,715
8,288
9,032
9,256
9,956
3,953
4,138
4,002
4,176
4,087
4,232
4,501
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
3Q14
51.53%
51.30%
49.38%
49.63%
45.25%
45.49%
45.39%
12,093
12,820
3Q13 3Q14
項目
3Q13
3Q14
淨收益
24,487
28,244
營業費用
(12,093)
(12,820)
呆帳費用(淨)
(1,485)
(2,728)
所得稅
(1,932)
(1,760)
淨利
8,977
10,936
+6.0%
金融營業稅上調:
(2%至5%)
營業費用
營業費用比率分析 ( in NT$ mn)
營業費用佔比
營業費用
季度營業費用&營業費用佔比 ( in NT$ mn or % )
3Q14一銀營業費用 (in NT$ mn )
淨收益
  • 數字依 IFRS 準則列示

26

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一銀2014年截至第三季資產品質

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

逾期放款 , 提存 , 覆蓋率 (in NT$ mn or % ) 第一類放款提存比 (GP Reserve)
覆蓋率 放款覆蓋率 (LLR), 排除政府放款
521.72% 504.28%
453.05%
233.17% 228.97% 261.73%
191.46%
1.26% 1.34% 1.31% 1.37%
1.20% 1.20% 1.26%
1.09%
逾放比 逾期放款 呆帳提存準備
0.64%
0.50% 0.50%
0.47%
0.28% 0.24% 0.26%
16,889
16,604 17,778 17,730 18,813 18,637 19,933
9,286
7,243 7,252 6,774
4,152 3,572 3,953
3M13 6M13 9M13 2013 3M14 6M14 9M14
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27

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一銀逾期放款分類表

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

個人與 房貸 逾放比率 (in %) 大企業 與 中小企業 逾放比 (in %)
大企業
個人
中小企業
房貸 0.64%
0.22% 0.52% 0.50%
0.45%
0.39%
0.20% 0.55%
0.18% 0.18% 0.22%
0.17% 0.30%
0.19% 0.20% 0.26%
0.09%
0.17% 0.16% 0.17%
3Q13 4Q13 1Q14 2Q14 3Q14
3Q13 4Q13 1Q14 2Q14 3Q14
福聚太陽能 NT$ 444 mn
國內 逾放比率 (in %) 海外 逾放比率 (in %)
國內 海外
0.39%
2.03%
0.32% 0.30% 1.26%
0.28%
0.25%
0.27% 0.23%
0.08%
3Q13 4Q13 1Q14 2Q14 3Q14
3Q13 4Q13 1Q14 2Q14 3Q14
----- End of picture text -----

  1. 個人 : 包含房貸及個人非房貸 2. 均未包含呆帳回收

28

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福聚太陽能 NT$ 444 mn

一銀 2014年截至第三季 新增逾放與呆帳收回

福聚太陽能NT$ 444 mn

新增逾放與呆帳收回		 福聚太陽能NT$ 444 mn

新增逾放與呆帳收回		 福聚太陽能NT$ 444 mn

新增逾放與呆帳收回		 福聚太陽能NT$ 444 mn

新增逾放與呆帳收回
0.09%
0.00%
0.07%
2,695
525
1,169
770
(2,097)
589
1,151
183
4Q13
1Q14
2Q14
3Q14
季度呆帳收回
4Q13
1Q14
2Q14
3Q14
---來自 國內
368
246
553
486
---來自 海外
148
450
101
26
----來自 信用卡
18
17
15
14
小計
534
713
669
526
2014年截至第三季各季呆帳收回 (in NT$ mn)
新增逾放金額
轉銷數
2014年截至第三季 各季新增逾放 (in NT$ mn） 季度呆帳收回
4Q13
1Q14
2Q14
3Q14
---來自 國內
368
246
553
486
---來自 海外
148
450
101
26
----來自 信用卡
18
17
15
14
小計
534
713
669
526
2014年截至第三季各季呆帳收回 (in NT$ mn)
季度新增逾放
4Q13
1Q14
2Q14
3Q14
---來自 國內
196
178
619
1,140
---來自 海外
(13)
(2,275)
(30)
11
季度呆帳收回
4Q13
1Q14
2Q14
3Q14
---來自 國內
368
246
553
486
---來自 海外
148
450
101
26
----來自 信用卡
18
17
15
14
小計
183
(2,097)
589
1,151
小計
534
713
669
526
季度新增 逾放 與 轉銷數 ( in NT$ mn)
0.00%
0.00%
0.15%
682
231
1,388
676
(9)
~~1,051~~
1,397
2,710
4Q12
1Q13
2Q13
3Q13

29 

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
CAR
125.55%
123.00% 123.04% 121.24% 122.27%
117.99% 117.05% 119.40%
115.14%
statutory CAR 100%
一銀資本適足率與第一類資本
CAR
11.51%
10.94% 11.03% 10.90% 10.88% 10.93%
10.36% 10.14% 10.44%
Tier 1
8.28% 8.23% 8.41% 8.34% 8.31% 8.64% 8.85%
7.00% 6.82%
2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14 3Q14
2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14 3Q14
----- End of picture text -----

  • 金控公司法定上限 : 雙重槓桿 < 125% ; 債務比 < 30%

  • 資本適足率每半年更新一次 . 3Q14 為自結數

30

股利政策

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2013
0.50
0.70
1.20
39.7%
1.20
1.26
2013
0.75
1.00
0.9
0.75
1.20
1.08
0.44
1.02
2008
2009
2010
2011
EPS
Dividend
第一金控每股盈餘與股利派發 ( in NT$ dollar )		 1.10
1.18		 1.20
1.26
2013
2008
2009
2010
2011		 2012
2008
2009
2010
2011		 2012 2013
現金股利
0.50
0.50
0.30
0.40		 0.45 0.50
股票股利
0.25
0.25
0.60
0.60		 0.65 0.70
總計股利
0.75
0.75
0.90
1.00		 1.10 1.20
現金股利派發率
41.7%
113.6%
29.4%
37.0%		 38.1% 39.7%
  1. 每股盈餘依年按增資股數後調整

31

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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 %)

FFHC Consolidated Statement of Comprehensive Income FFHC Consolidated Statement of Comprehensive Income FFHC Consolidated Statement of Comprehensive Income (in NT$ million or %) (in NT$ million or %) (in NT$ million or %)
Fll Year Reslts(TW-GAPP Fll Year Reslts(IFRSs)
Year-over-Year Comarison
u u u u
**p **
2011
2012		 2013
3Q13
Net interest income
25,932
19,219
Net service fee & commission
6,632
4,774
Net Insurance revenue
688
(307)
Gain on financial assets meas.
859
666
at fair value through P/L
Real estate investment gain
88
63
Gain on AFS financial assets
315
307
Income from equity invest.
97
103
Net gain on F/X
1,368
949
Assets impairment loss
3
0
Others
484
684
Ner Revenue
36,466
26,458
Net Provision for credit losses
(4,047)
(1,581)
Recovered(provided) for insurance res.
(397)
594
Operating Expense
(18,973)
(14,035)
Income from continued op. before tax
13,049
11,436
Income tax expenses
(2,172)
(2,143)
Consolidatednetincome
10,877
9,293
Other Items
1,262
128
Comprehensive Income
12,139
9,421
Net Income attributed to:
Parent
10,889
9,245
Minorityinterests
(12)
48
Comprehensive Income attributed to:
Parent
12,242
9,475
Minorityinterests
(104)
(54)
EPS1(NT$)
1.26
1.00		 3Q14 Change
Intere
Less:
Net inte
Net s
Net In
Gain
at fa
Gain
Gain
Incom
Real
Net g
Other
Net non
Net rev
Provisio
Reserv
Operati
Other e
Income
Income
Income
Income
Cummu
in acc
Consoli
EPS1(N
Net in
Minor		 st income
34,166
36,544
Interest expenses
(12,083)
(12,422)
rest income
22,083
24,122
ervice fee & commission
6,203
5,954
surance revenue
0
695
on financial assets measured
1,111
1,363
ir value through P/L
on AFS financial assets
694
360
on HTM financial assets
11
0
e from equity invest.
132
256
estate investment gain
3
0
ain on F/X
853
651
s
1,469
3,258
-interest income
10,476
12,537
enues
32,559
36,659
n for credit losses
(5,347)
(5,890)
e for insurance
(36)
(656)
ng expenses
(17,970)
(18,084)
xpenses
0
0
from continued op. before tax
9,206
12,029
tax expenses
(1,735)
(1,911)
from continued op. after tax
7,471
10,118
from discountinued op., net of tax
0
0
lative effect of change
0
0
ounting principle
dated net income
7,471
10,118
T$)
1.01
1.25
come attributable to parent
7,602
10,174
ity interests
(131)
(56)		 21,110
5,630
822
1,423
172
628
53
1,184
59
712
31,794
(2,840)
(377)
(15,082)
13,496
(1,790)
11,705		 9.8%
17.9%
--
113.7%
173.0%
104.6%
-48.5%
24.8%
--
4.1%
20.2%
79.6%
--
7.5%
18.0%
-16.5%
26.0%
Other Items
Comprehensive Income		 1,139
12,845		 789.8%
36.3%
Net Income attributed to:
Parent
Minorityinterests		 11,692
13		 26.5%
--
Comprehensive Income attributed to:
Parent
Minorityinterests		 12,864
(19)		 35.8%
-64.8%
EPS1(NT$)
1.26 26.0%

Note: sta		 rting from 2013, data are stated in accordance with IFRSs, whereas FY2011-2012 are with ROC GAAP. The same basis applied to all appendix pages.

Note: starting from 2013, data are stated in accordance with IFRSs, whereas FY2011-2012 are with ROC GAAP. The same basis applied to all appendix pages.

33

第一金控非合併損益表

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

2011
2012
2013
3Q13
3Q14 Change
8,857
10,641
11,112
9,376
11,620
23.9%
238
252
226
221
255
15.4%
9,095
10,893
11,339
9,597
11,875
23.7%
(992)
(291)
(12)
0
0
--
(235)
(231)
(233)
(183)
(201)
9.8%
(228)
(145)
(145)
(108)
(138)
27.8%
7,641
10,226
10,949
9,306
11,536
24.0%
7,602
10,226
10,889
9,245
11,692
26.5%
0
0
0
0
0
--
7,602
10,226
10,889
9,245
11,692
26.5%
1.01
1.18
1.26
1.00
1.26
26.0%
Year-over-Year Comparison
Full Year Results		 2011
2012
2013
3Q13
3Q14 Change
8,857
10,641
11,112
9,376
11,620
23.9%
238
252
226
221
255
15.4%
9,095
10,893
11,339
9,597
11,875
23.7%
(992)
(291)
(12)
0
0
--
(235)
(231)
(233)
(183)
(201)
9.8%
(228)
(145)
(145)
(108)
(138)
27.8%
7,641
10,226
10,949
9,306
11,536
24.0%
7,602
10,226
10,889
9,245
11,692
26.5%
0
0
0
0
0
--
7,602
10,226
10,889
9,245
11,692
26.5%
1.01
1.18
1.26
1.00
1.26
26.0%
Year-over-Year Comparison
Full Year Results		 2011
2012
2013
3Q13
3Q14 Change
8,857
10,641
11,112
9,376
11,620
23.9%
238
252
226
221
255
15.4%
9,095
10,893
11,339
9,597
11,875
23.7%
(992)
(291)
(12)
0
0
--
(235)
(231)
(233)
(183)
(201)
9.8%
(228)
(145)
(145)
(108)
(138)
27.8%
7,641
10,226
10,949
9,306
11,536
24.0%
7,602
10,226
10,889
9,245
11,692
26.5%
0
0
0
0
0
--
7,602
10,226
10,889
9,245
11,692
26.5%
1.01
1.18
1.26
1.00
1.26
26.0%
Year-over-Year Comparison
Full Year Results		 2011
2012
2013
3Q13
3Q14 Change
8,857
10,641
11,112
9,376
11,620
23.9%
238
252
226
221
255
15.4%
9,095
10,893
11,339
9,597
11,875
23.7%
(992)
(291)
(12)
0
0
--
(235)
(231)
(233)
(183)
(201)
9.8%
(228)
(145)
(145)
(108)
(138)
27.8%
7,641
10,226
10,949
9,306
11,536
24.0%
7,602
10,226
10,889
9,245
11,692
26.5%
0
0
0
0
0
--
7,602
10,226
10,889
9,245
11,692
26.5%
1.01
1.18
1.26
1.00
1.26
26.0%
Year-over-Year Comparison
Full Year Results
3Q13 **3Q14 ** Change
Operating revenues
Income from long-term investment
Other income1
Total revenues
Loss from long-term investment
Operating expenses
Other expenses and losses
Income from continued op. before tax
Income from continued po. after tax
Income from discontinued op., net of tax
Net income
EPS2(NT$)		 9,376
221
9,597
0
(183)
(108)
9,306
9,245
0
9,245
1.00		 11,620
255
11,875
0
(201)
(138)
11,536
11,692
0
11,692
1.26		 23.9%
15.4%
23.7%
--
9.8%
27.8%
24.0%
26.5%
--
26.5%
26.0%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

34

第一金控資產負債表

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FFHC Balance Sheet Summary in NT$ million or million shares

FFHC Balance Sheet Summary
in NT$ million or million shares
Full Year Results Year-over-Year Comparison
2011 2012 2013 3Q13 **3Q14 ** Change
Non-consolidated Balance Sheet Data
Long-term investment 127,331 137,633 145,469 142,625 158,305 11.0%
Total non-consolidated assets 135,716 141,300 151,546 148,623 162,196 9.1%
Total liabilities 8,999 9,156 10,817 10,660 12,930 21.3%
Total shareholders' equity 126,717 132,144 140,729 137,963 149,266 8.2%
Conolidated Balance Sheet Data
Total consolidated assets 2,080,970 2,124,279 2,263,385 2,207,909 2,327,379 5.4%
Total liabilities 1,953,609 1,991,555 2,122,179 2,069,420 2,177,655 5.2%
Total shareholders' equity 127,361 132,724 141,206 138,488 149,724 8.1%
Parent's shareholders' equity 126,717 132,143 140,729 137,963 149,266 8.2%
Minority interests 644 581 477 526 458 -12.9%
Current shares outstanding 76,654 81,254 86,535 86,535 92,593 7.0%

*figures may not match due to rounding

35

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第一金控主要財務比率

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FFHC Key Ratios

FFHC Key Ratios
2011
2012
2013
3Q13
3Q14 Change
0.36%
0.48%
0.50%
0.57%
0.68%
19.3%
6.38%
7.86%
7.94%
9.13%
10.73%
17.5%
16.53
16.26
16.26
15.94
16.12
1.1%
76,654
81,254
86,535
86,535
92,593
7.0%
103.58%
104.15%
103.37%
103.38%
106.06%
2.6%
123.00%
125.55%
123.04%
122.92%
122.27%
-0.5%
6.63%
6.48%
7.14%
7.17%
7.97%
11.2%
Year-over-Year Comparison
Full Year Results
3Q13 **3Q14 ** Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.57%
9.13%
15.94
86,535
103.38%
122.92%
7.17%		 0.68%
10.73%
16.12
92,593
106.06%
122.27%
7.97%		 19.3%
17.5%
1.1%
7.0%
2.6%
-0.5%
11.2%

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

  2. Updated semi-annually.

  3. Non-consolidated basis.

36

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第一銀行損益表

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

第一銀行損益表
bject to final Reviewed
FB Comprehensive Income Statement Summary(Standalone)
in NT$ million or %
Full Year Results (IFRSs)
2011
2012
2013
9M13
9M14
Change
Net revenue
Net interest income
20,761
23,003
Net interest income
24,865
18,464
20,239
9.6%
Net fee income
4,826
4,931
Net fee income
5,397
3,932
4,636
17.9%
Net gain on ST invest.
440
162
Net gain on ST invest.
76
55
114
107.3%
Net gain on LT invest.
498
633
Net gain on LT invest.
711
640
640
0.0%
Net gain on other fin. products
2,581
2,141
Net gain on other fin. products
1,887
1,367
2,555
86.9%
Bad debts recovery
2,402
2,415
Other net income
(160)
30
60
100.0%
Other net income
(584)
446
Net revenue
32,776
24,488
28,244
15.3%
Net revenue
30,924
33,731
Operating expenses
(16,269)
(12,093)
(12,820)
6.0%
Operating expenses
(15,482)
(15,730)
Pre-provisiion pre-tax profit
16,507
12,395
15,424
24.4%
Provision
(5,300)
(5,809)
Provision expense
(7,090)
(4,120)
(4,637)
12.5%
Income before tax
10,142
12,192
Adjustment: bad-debt recovery
3,168
2,635
1,909
-27.6%
Income tax
(1,517)
(1,817)
Income before tax
12,584
10,909
12,696
16.4%
Income after tax
8,625
10,375
Income tax
(1,940)
(1,932)
(1,760)
-8.9%
Cummulative effect of change
0
0
Net income
10,645
8,977
10,936
21.8%
in accounting principle
Other items
1,165
148
889
500.7%
Net income
8,625
10,375
Comprehensive income
11,810
9,125
11,826
29.6%
EPS
1.60
1.22
1.48
0.21
starting from 2013, data are stated in accordance with IFRSs, whereas FY2011-2012 are with ROC GAAP.
Full Year Results (TW-GAPP
Year-over-Year Comparison*
  • starting from 2013, data are stated in accordance with IFRSs, whereas FY2011-2012 are with ROC GAAP.

37

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第一銀行主要財務比率

第一銀行主要財務比率 第一銀行主要財務比率
FB Key Ratios Year-over-Year Comparison
Full Year Results
~~2011~~
~~2012~~
~~2013~~
~~3Q13~~		 ~~3Q14~~
Loan to deposit spread
Net Interest Margin
Cost to income ratio4
Loan to deposit ratio1
NPL ratio
Coverage ratio
Gross Provision ratio
LLR Ration ( excluding gov. loan)		 1.41%
1.41%
1.49%
1.54%
1.10%
1.10%
1.21%
1.26%
50.06%
50.06%
46.63%
49.38%
84.72%
84.72%
89.49%
86.54%
0.47%
0.47%
0.44%
0.64%
217.90%
217.90%
248.97%
191.46%
--
--
1.09%
1.04%
1.07%
1.17%
1.26%
1.27%
1.55%
1.28%
45.39%
84.49%
0.26%
504.28%
1.26%
1.37%
CAR 10.94%
10.94%
11.51%
10.95%		 10.93%
Tier-1 8.28%
8.28%
8.41%
8.37%		 8.85%
ROAA2
0.43%
0.43%
0.51%
0.57%
ROAE2
8.12%
8.12%
8.58%
9.49%
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,		 0.66%
10.60%

38

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第一銀行放款品質

FB NPL Migration in NT$ million or %

FB NPL Migration
in NT$ million or %
2011
2012
2013
Q1
Q2
Q3
3Q13
3Q14
Change
NPL- beginning
10,550
6,373
6,423
6,774
4,152
3,572
6,423
6,774
5.5%
Net new NPL influx
(1,421)
3,493
5,341
(2,097)
589
1,151
5,158
(357)
--
Net write-offs
(2,756)
(3,443)
(4,990)
(525)
(1,169)
(770)
(2,295)
(2,464)
7.4%
NPL- ending balance
6,373
6,423
6,774
4,152
3,572
3,953
9,286
3,953
-57.4%
Allowance for loan loss- beginning
11,877
13,886
15,992
17,730
18,813
18,637
15,992
17,730
10.9%
Provisions for loan loss
4,825
5,705
6,693
1,549
1,053
2,006
4,045
4,608
13.9%
Net write-offs
(2,756)
(3,443)
(4,990)
(525)
(1,169)
(770)
(2,295)
(2,464)
7.4%
Others
(60)
(156)
35
59
(60)
60
36
59
--
Allowance for loan loss- ending
13,886
15,992
17,730
18,813
18,637
19,933
17,778
19,933
12.1%
NPL ratio
0.47%
0.44%
0.47%
0.28%
0.24%
0.26%
0.64%
0.26%
-0.4%
Coverage ratio
217.90%
248.97%
261.73%
453.05% 521.72%
504.28%
191.46%
504.28%
312.8%
General Provision Ratio
1.07%
1.17%
1.26%
1.34%
1.31%
1.37%
1.27%
1.37%
0.1%
Tier 1 Asset Provision Ratio
--
--
1.09%
1.20%
1.20%
1.26%
1.04%
1.26%
0.2%
1. Non-consolidated basis
Year-over-Year Comparison
2014 Quarterly
Full Year

39

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第一金證券營運報告
2011
2012
2013
3Q13
3Q14
Change
804
659
683
Brokerage commission
500
623
24.6%
408
282
297
Net interest income
202
250
23.8%
43
79
76
Underwriting commission
44
19
-56.8%
(620)
100
292
Transaction gains through F/V, net
235
213
-9.4%
98
113
150
Other operating income
24
79
--
733
1,230
1,498
Total operating income
1,005
1,184
17.8%
(1,476)
(1,388)
(1,410)
Total operating expenses
(951)
(1,031)
8.4%
(14)
21
73
Non-operating income
60
71
18.3%
(759)
(137)
161
Income before tax
114
223
95.6%
(71)
16
(21)
Income tax
(24)
(29)
20.8%
0
0
0
Cummulative effect of change in
--
accounting principles
0
0
(830)
(121)
140
Net income
90
194
115.6%
First Sec Key Ratios
-11.78%
-1.90%
2.19%
ROAE (Annualized)
1.89%
3.93%
107.9%
-4.74%
-0.71%
0.80%
ROAA (Annualized)
0.75%
1.33%
77.3%
Year-over-Year Comparison
Full Year Results
3Q14
F
To






To
N
In
In
C
a
N
F
R
R		 irst
tal o
Broke
Net in
Unde
Pricip
Othe
Total
tal o
on-op
come
come
umm
ccou
et inc		 Sec Income Statement Summary
perating income
rage commission
terest income
rwriting commission
le transaction gains, net
r operating income
operating income
perating expenses
erating income
before tax
tax
ulative effect of change in
nting principles
ome		 623
250
19
213
79
1,184
(1,031)
71
223
(29)
0
194
I
I
irst
OAE
OAA (		 Sec Key Ratios
(Annualized)
Annualized)		 3.93%
1.33%
Br
M		 okera
argin		 ge market share
loan market share		 1.52%
1.62%
1.72%
Brokerage market share
1.68%
1.99%
1.99%
2.37%
Margin loan market share
2.30%		 1.55% -7.7%
3.0%
2.37%

40

第一金投信營運報告

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FSITC Income Statement Summary in NT$ million or %

3Q14 Change
385
1
386
(295)
10
102
(17)
85
0
85		 4.1%
0.0%
4.0%
4.6%
100.0%
8.5%
6.3%
9.0%
--
9.0%
y
FSITC Key Ratios
AUM
97,401
81,568
78,190
65,442
AUM Ranking
5
8
10
10		 71,143
14		 8.7%
--
  1. Non-consolidated basis

41

第一金人壽營運報告

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First-Aviva Financial Results Summary ~~in NT$ million or %~~
First-Aviva Financial Results Summary
~~in NT$ million or %~~
2011
2012
2013
3Q13
3Q14
Change
Income Statement Summary
Operating Revenue
4,993
7,342
10,330
6,850
10,075
47.1%
Premium Income
4,788
6,381
9,301
6,289
9,298
47.8%
Other insurance income
23
42
82
59
93
57.6%
Net Investment Income
182
910
947
502
685
36.5%
Operating Cost
(4,902)
(7,085)
(9,969)
(6,477)
(9,741)
50.4%
Reinsurance commission
(6)
(10)
(13)
(9)
(14)
55.6%
Reserves
(1,128)
(3,002)
(4,741)
(2,565)
(5,690)
121.8%
Claims
(3,595)
(3,825)
(4,864)
(3,645)
(3,587)
-1.6%
Commission
(172)
(248)
(351)
(258)
(449)
74.0%
Others
0
0
0
0
0
--
Operating Expenses
(359)
(364)
(385)
(276)
(308)
11.6%
Sales related expenses
(56)
(60)
(59)
(38)
(58)
52.6%
Management expenses
(287)
(300)
(304)
(223)
(232)
4.0%
Other expense
(16)
(4)
(22)
15
(18)
-220.0%
Profit/Loss of Operation
(268)
(116)
(24)
97
26
-73.2%
Non-Operating Profit
0
0
0
0
1
--
Profit/Loss Before Tax
(268)
(116)
(24)
97
27
-72.2%
Income tax
0
0
0
0
1
--
Net Income after tax
(268)
(116)
(24)
97
26
-73.2%
Key Ratios
ROAE(Annualized ratio)
-18.82%
-9.29%
-2.21%
11.49%
3.69%
-67.9%
ROAA(Annualized ratio)
-1.29%
-0.51%
-0.09%
0.51%
0.11%
-78.4%
FFHC claims 51% of First-Aviva operating results.
Year-over-Year Comparison
Full Year Result*
  • FFHC claims 51% of First-Aviva operating results.

42

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Q&A 敬請指教

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