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

Nov 14, 2014

52222_rns_2014-11-14_2be25f79-ecd2-414a-9436-9b93cea966dc.pdf

Interim / Quarterly Report

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高盛證券投資論壇 第一金控 2014 年第二季營運報告

Nov. 17-18, 2014 香港

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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 上半年業務摘錄

  • 財務資料

  • 營運成果

  • - 附件

3

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公司簡介

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 .

    • 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 5.7% 2014/6/30

  • 放款市佔率 6.0%

  • 金控資產排名 第 9

  • 中小企業放款 第 1

  • 購屋房貸 第 7

  • 進出融資 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 1H2014
淨收益 32,559 36,659 36,466 20,949
淨利 7,471 10,118 10,877 8,205
EPS 1.01 1.25 1.26 0.89
ROAE 6.38% 7.73% 7.94% 11.42%

1H2013 績效

in NT$ mn
淨利 7,527
淨利 219
淨利 52
淨利 (5)

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第一銀行
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第一金證券
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第一金投信
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第一金人壽
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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

第一金控海外據點

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This wide distribution network has allowed First Commercial to capture significant market share in lending, deposit and other banking services.

6

第一金控競爭優勢

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中小企業
放款業務 1. 企業金融導向
2. 深耕中小企業
傲視群倫
領先業界之
資產品質
均衡之海
銷售平台
外佈局
控管得宜
1. 授信部位分散 廣大之顧客基礎 1. 銀行 , 租賃及村鎮銀行據
2. 由產業之水平與垂直 點形成大中華業務平台
面管控風險 2. 亞太市場價值鏈
資金成本
相對低廉 1. 存款通路密集，資金取得容易
2. 跨界整合行銷
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7

同業比較

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In NT billion/ market share

Data as of 2014/6/30 存款 – 台灣排名第 6

放款 – 台灣排名第 5

中小企業放款 – 台灣排名第 1

基金銷售 – 台灣排名第 4

Source: Financial Supervision Commission, Banking Bureau

8

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2014上半年業務摘錄

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2014年第二季 - 上半年表現較預期為佳

- 主要業務動能增強，帶動盈餘成長：

第一銀行於第二季發揮分行通路優勢，手續費淨收益顯著成長，而隨股市 逐漸好轉，亦帶動投資商品收益增加.

- 集團海外業務擴張： 海外業務市場隨著經濟回溫漸入佳境，新業務機會帶來較高之存放利差， 弭平國內市場放款緩和增長之影響.

- 非銀行子公司獲利趨穩：

證券、資產管理及創投盈餘好轉並持續挹注整體利益.

  • 為升息預作準備： 歷史新高的流動性存款水準與放款的可擴充性有助未來升息時利益之擴增.

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一銀2014年第二季手續費成長

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2Q 2014 手續費淨收益 (in NT$ mn )
每月手續費淨收益
550
來自共同基金銷售 來自銀行保險銷售
505
MoM% +17.2%
470
140 147
118
111
80
64
4M14 5M14 6M14
基金銷售量及手續費淨收益分類 (in NT$ mn)
48.4%
59,684
15.9%
財管
1H2014
+16.2% Fee 外匯
51,361
$2,931 mn 放款
信用卡
15.6% 其他
1H13 1H14
13.6%
基金銷售總金額 6.5%
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一銀2014第二季外幣放款及利差

2Q14外幣放款餘額 (in NT$ bn )
163
169
168
151
149
149
4M14
5M14
6M14
21.33%
21.60%
21.64%
DBU+OBU
純海外
外幣放款佔全體放款比率		 2Q14外幣放款餘額 (in NT$ bn )
163
169
168
151
149
149
4M14
5M14
6M14
21.33%
21.60%
21.64%
DBU+OBU
純海外
外幣放款佔全體放款比率		 2Q14外幣放款餘額 (in NT$ bn )
163
169
168
151
149
149
4M14
5M14
6M14
21.33%
21.60%
21.64%
DBU+OBU
純海外
外幣放款佔全體放款比率
外幣放款—個別幣利率 (in %)
美元放款存放利差
1Q14
2Q14
放款利率(%)
2.11
2.19
存款利率(%)
0.35
0.35
美元利差(%)
1.77
1.84		 人民幣放款存放利差
1Q14
2Q14
放款利率(%)
3.90
4.19
存款利率(%)
2.87
2.89
人民幣利差(%)
1.03
1.30

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2014上半年財務資料

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2014上半年主要財務數字


1H14
8,2051
9,099
2,336,688
0.89
15.71
92,593
11.42%
0.72%
121.24%
105.98%
YoY %
29.0%
34.7%
7.7%
30.9%
0.5%
7.0%
20.5%
20.0%
1.8%
2.1%
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
1H13
6,3611
6,753
2,170,366
0.68
15.63
86,535
9.48%
0.60%
119.40%
103.93%
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
1H2014獲利組合1( in NT$ mn)
1H14
8,2051
9,099
2,336,688
0.89
15.71
92,593
11.42%
0.72%
121.24%
105.98%
YoY %
29.0%
34.7%
7.7%
30.9%
0.5%
7.0%
20.5%
20.0%
1.8%
2.1%
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
1H13
6,3611
6,753
2,170,366
0.68
15.63
86,535
9.48%
0.60%
119.40%
103.93%
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
銀行
NT$7,527; 91.7%
證券
NT$219; 2.7%
投信
NT$52; 0.6%
其他
NT$(196);-2.4%
人壽
NT$(5); -0.1%
AMC
NT$216; 2.6%

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]

14

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2014上半年集團營運成果

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1H 2014 合併淨利及綜合損益 (in NT$ mn)
信用成本 (1,310)
保險準備 (404)
20,949
(1,714) 29.0%
(9,833) ↑
(1,197)
9,099
8,205
894
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
1H 2013 合併淨利及綜合損益 (in NT$ mn)
信用成本 (339)
保險準備 324
17,200
(15) (9,387)
(1,436) 6,361 6,754
393
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上半年主要子公司*獲利表現

- 稅後淨利

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1H 2014 稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 29.0%
8,205
7,527 ↑22.5%
↑655.2% ↑91.2%
FFHC (3)
Aviva (2)
219 52 (5) 216
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
1H 2013 稅後淨利 -- 主要子公司 (in NT$ mn)
6,361
6,144
FFHC 30
Aviva 29
29 53 59 113
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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  • 僅列示主要五家子公司獲利

16

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2014上半年營運成果

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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% 10.46% 9.20% 8.80% 9.48% 9.13% 10.20% 11.42%
7.73% 7.94%
6.38%
9,016 10,118 9,293 10,877
7,471 6,680 6,361
3,131 2,970 3,655 4,550
2011 3M 12 6M 12 9M 12 2012 3M 13 6M 13 9M 13 2013 3M 14 6M 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%
8.12% 8.58% 8.35%
10,375 10,645
8,625 8,880 8,977
7,527
6,551 6,144
3,543
2,972 2,962
2011 3M 12 6M 12 9M 12 2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14
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  1. 含少數股權

18

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一銀 2014上半年稅前獲利

15,773
18,288
1H13
1H14
累積淨收益
1H14累積淨收益 (in NT$ mn or %)
1H14淨收益&費用比較( in NT$ mn)
+16.0%		 15,773
18,288
1H13
1H14
累積淨收益
1H14累積淨收益 (in NT$ mn or %)
1H14淨收益&費用比較( in NT$ mn)
+16.0%		 15,773
18,288
1H13
1H14
累積淨收益
1H14累積淨收益 (in NT$ mn or %)
1H14淨收益&費用比較( in NT$ mn)
+16.0%
一銀稅前獲利佔比分析 (in %)
z
項目
1H13
1H14
Change
淨利收
77.3%
72.8%
-4.6%
淨手續費收益
15.9%
16.0%
+0.1%
投資收益/短投
-0.3%
0.2%
+0.5%
投資收益/長投
1.0%
1.1%
+0.1%
投資收益/其他金融商品
5.4%
9.5%
+4.0%
其他
1.3%
0.4%
-0.1%
淨收益
100.0%
100.0%
呆帳費用1
-14.2%
-14.4%
-0.2%
調整:呆帳回收
+12.5%
+7.6%
-4.9%
營業費用
-51.3%
-45.5%
+5.8%
稅前獲利
47.0%
47.7%
+0.7%
1H14淨收益&費用比較( in NT$ mn)
  1. 呆帳費用不含呆帳回收

19

一銀 2014上半年放款結構

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% of總放款**1 **
項目
1H13
1H14
Change
消金放款
27.9%
28.0%
+0.1%
房貸
26.9%
26.7%
-0.2%
其他消費貸款
1.0%
1.3%
+0.3%
法金放款
72.1%
72.0%
-0.1%
企業放款
47.3%
47.2%
-0.1%
---_中小企業
36.4%
38.4%
+2.0%
外幣放款
18.9%
21.6%
+2.7%
---_海外分行
8.0%
10.2%
+2.2%
政府及公營事業放款
5.9%
3.2%
-2.7%
總放款1
100.0%
100.0%
1H131H14 1H131H14 1H131H14 1H131H14 1H13 1H14
↑1.1%
↑ 16.2%
↓45.6%
1H14總放款1 佔比 (in NT$ bn )
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
Overseas
126.9
387.9
14.3
85.1
392.2
18.5
46.3
317.5
682.4
273.2
692.7
↑1.5%
中小2
524.6
中小2
562.7
海外
117.7
SME↑7.3%
海外
149.4

  1. 中小企業放款依經濟部定義；含外幣放款

  2. 總放款不含催收款

20

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一銀總放款結構 -季度比較

政 694.5
676.2
682.4
685.3
689.2
678.5
692.7
377.9
385.3
387.9
388.0
393.3
92.0
88.5
66.5
40.4
72.4
46.3
260.2
267.3
273.2
283.2
293.0
306.4
317.5
392.2
391.8
85.1
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
一銀放款成長 (in NT$ bn)
1438.4
1430.6
1442.9
1438.2
1433.0
1466.0
1467.2
520.6
524.6
536.4
545.9
538.8
562.7
523.5
總放款
1
中小企業
外幣放款
府公營事業
房屋貸款
企業放款2		 694.5
676.2
682.4
685.3
689.2
678.5
692.7
377.9
385.3
387.9
388.0
393.3
92.0
88.5
66.5
40.4
72.4
46.3
260.2
267.3
273.2
283.2
293.0
306.4
317.5
392.2
391.8
85.1
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
一銀放款成長 (in NT$ bn)
1438.4
1430.6
1442.9
1438.2
1433.0
1466.0
1467.2
520.6
524.6
536.4
545.9
538.8
562.7
523.5
總放款
1
中小企業
外幣放款
府公營事業
房屋貸款
企業放款2		 QoQ% YoY% QoQ% YoY% QoQ% YoY%
+4.4% +7.3%
+3.6% +16.2%
-36.1% -45.6%
+0.1% +1.1%
+2.1% +1.5%
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
2Q14
  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

21

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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 % )
總放款 [1 ] 存放比 [2 ] 88.28% 88.71% 89.49% 88.51% 88.29%
86.36% 86.05% 86.54%
84.21% 84.72% 84.51%
83.50% 83.48%
1,470.9
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 1,447.7 1,439.9 1,470.6
2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14
△
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%
1.47% 1.48% 1.49%
1.45%
1.40% 1.40% 1.41%
1.26% 1.26% 1.26% 1.26% 1.28% 1.28%
1.18% 1.20% 1.20% 1.21%
1.10% 1.10% 1.10%
2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14
----- 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

22

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一銀台外幣利差

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

一銀台幣利差及成本分析 ( in % )
放款利率 (NTD) 存款利率 (NTD)
存放利差 (NTD)
2.10% 2.09% 2.10% 2.11% 2.15% 2.13% 2.12%
1.42% 1.47% 1.48% 1.50% 1.53% 1.52% 1.52%
0.68%
0.62% 0.62% 0.61%
0.61% 0.61% 0.60%
4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14
一銀外幣利差及成本分析 ( in % )
放款利率 (FX) 存款利率 (FX)
2.49% 存放利差 (FX) 2.52% 2.65%
2.42% 2.38%
2.25% 2.29%
1.97%
1.74% 1.76% 1.83% 1.75% 1.65% 1.67%
0.98%
0.87%
0.59% 0.64%
0.52% 0.51% 0.53%
4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14
----- End of picture text -----

  • 以上利率均為 季度加權平均數字

23

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一銀特定產業貸放集中度

==> picture [643 x 389] intentionally omitted <==

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

1H14 - 特定貸放產業佔比
13.49%
6.06%
11.09% 5.79%
製造業佔比 27.89%
5.14%
1H14
7.12%
總放款餘額 6.98% 塑化
金屬
3.34% $1,575 bn 科技
機械
3.59%
其他製造
私人放款
6.39%
建築營造
不動產
批發零售
31.01%
運輸
其他
----- End of picture text -----*

  • 總放款不含催收款 .

==> picture [180 x 31] intentionally omitted <==

一銀新台幣存款組成

==> picture [628 x 390] intentionally omitted <==

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

一銀台幣存款結構 (in % )
定存比重 活存比重 ( CASA rate) 固定利率佔定存比重
央行暫停升息
44.1% 43.8% 44.6% 44.9%
42.0%
40.5%
△
38.9%
37.0%
36.0%
55% 57% 58% 59% 59% 60% 61% 62% 63%
45% 43% 42% 41% 41% 39%
40% 38% 37%
1H10 2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14
----- End of picture text -----

25

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一銀房貸分析

1H14房貸--依地區別 (in %) 66.67%
66.68%
67.14%
66.82%
66.23%
65.99%
65.74%
65.61%
48.74%
48.87%
49.09%
48.77%
48.14%
48.00%
47.59%
47.34%
9M12
2012
3M13
6M13
9M13
2013
3M14
6M14
2.18% 2.16% 2.15% 2.15% 2.15% 2.15% 2.15% 2.15%
房貸利率&房貸成數比 (in %)
新承作房貸成數比
平均房貸成數
平均房貸利率
地區
1H14
北部
大台北都會
70%
54%
桃竹苗
16%
中部
10%
大台中
南部
16%
台南/高雄
東部
4%
總計
100.0%
Mortgage NPL(in %)		 66.67%
66.68%
67.14%
66.82%
66.23%
65.99%
65.74%
65.61%
48.74%
48.87%
49.09%
48.77%
48.14%
48.00%
47.59%
47.34%
9M12
2012
3M13
6M13
9M13
2013
3M14
6M14
2.18% 2.16% 2.15% 2.15% 2.15% 2.15% 2.15% 2.15%
新承作房貸成數比
平均房貸成數
平均房貸利率
近一年新承作房貸金額 (in NT$mn) ↑4.3%
↑17.2%
SME2
317.0
SME2
305.0

新承作房貸金額
7,940
8,527
8,104
4,212
6,213
6,368
6,535
6,725

8,222
8,503
6,640
7,275
8,202
6M13
7M13
8M13
9M13
10M13
11M13
12M13
1M14
2M14
3M14
4M14
5M14
6M14

26

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一銀2014上半年淨手續費結構

==> picture [628 x 392] intentionally omitted <==

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

||||||||
|---|---|---|---|---|---|---|
|1H14|累積淨手續費|(in NT$ mn or %)|累積淨手續費收益佔比|
|項目|1H13|1H14|Change|
|2,931|
|財富管理|[1 ]|45.2%|48.4%|+3.2%|
|外幣|17.8%|15.9%|-1.9%|
|+16.7%|
|2,511|
|其他|[2 ]|13.1%|13.6%|+0.5%|
|放款相關|17.1%|15.6%|-1.5%|
|信用卡|6.8%|6.5%|-0.3%|
|1H13 1H14|
|累積淨手續費收益|100.0%|100.0%|
|淨手續費收益|
|1H14|累積淨手續費|佔比|( in NT$ mn )|
|↑|25.0%|
|1,418|↑6.1%|↑4.3%|
|1,134|↑21.6%|
|↑11.7%|
|↓|23.7%|456|
|430|447|466|400|
|191|329|
|171|
|↑3.0%|
|1H13 1H14 1H13 1H14 1H13 1H14 1H13 1H14 1H13 1H14|
|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

27

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一銀淨手續費收益 -季度比較

==> picture [665 x 404] intentionally omitted <==

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

淨手續費收益 (in NT$mn)
YoY% +16.2%
1,525
1,421 1,465 1,406 QoQ% +8.5%
1,312
淨手續費 1,199
收益
197
203
194 203
100
165 95
其他 * 87 91
164 85 243
信用卡 228 251
86 223
227
外匯相關 232
220
226 237
224
222
1H14(YoY%)
放款相關 208 753
665 +30.0%
613 基金銷售
521
財富管理 686 680 660 +
526 581 銀行保險
429
1Q13 2Q13 3Q13 4Q13 1Q14 2Q14
----- End of picture text -----

  • 其他為含海外分行在內之通路手續費

28

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一銀 2014上半年海外業務盈餘

==> picture [649 x 421] intentionally omitted <==

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

1H14 一銀海外分行稅前獲利分析 ( in % ) 1H14 一銀全行稅前獲利分析 ( in NT$ mn & %)
7.6%
4.0% 稅前獲利
60.4% $8,729 mn
11.8%
OBU
國內分行 ;
1H2014 上海 55.9%
全體海外分行 澳門
10.7%
$3,842 mn 香港
北美
0.7% 東協 其他海外 ; 10.4% 大中華 ; 33.7%
5.2%
其他
季度海外地區稅前獲利佔比分析 (in NT$ 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%
37.7% 36.9%
27.3% 28.8%
34.6%
30.6%
4,087 4,642
3,895
3,496
3,518
2,749
1,759
1,681
1,932 1,910
1,040 568 745 1,280 1,447
150
3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14
----- End of picture text -----

  • 2012 年起數字依 IFRS 準則列示

29

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一銀2014上半年營業費用比率

==> picture [628 x 389] intentionally omitted <==

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

|||||||||
|---|---|---|---|---|---|---|---|
|1H14|一銀營業費用|(in NT$ mn )|
|營業費用比率分析|( in NT$ mn)|
|項目|1H13|1H14|
|8,319|
|淨收益|15,773|18,288|
|營業費用|(8,091)|(8,319)|
|8,091|+2.8%|
|呆帳費用|(|淨|)|(269)|(1,240)|
|所得稅|(1,269)|(1,202)|
|1H13 1H14|
|淨利|6,144|7,527|
|營業費用|
|季度營業費用|&|營業費用佔比|( in NT$ mn or % )|
|淨收益|營業費用|營業費用佔比|
|51.39%|51.53%|51.30%|
|49.50%|49.38%|49.63%|
|45.25%|45.49%|
|8,715|9,032|9,256|
|8,180|8,101|8,288|
|7,650|7,672|
|4,050|4,393|3,953|4,138|4,002|4,176|4,087|4,232|
|3Q12|4Q12|1Q13|2Q13|3Q13|4Q13|1Q14|2Q14|

----- End of picture text -----

  • starting from 2012, data are stated in accordance with T-IFRS.

30

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一銀2014年第二季資產品質

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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)
521.72%
覆蓋率 放款覆蓋率 (LLR), 排除政府放款 453.05%
248.97% 261.73%
233.17%
228.97%
191.46%
1.29% 1.26% 1.34% 1.31%
1.20% 1.20%
1.09%
1.01%
逾放比 逾放 呆帳提存準備
0.64%
0.44% 0.50% 0.50% 0.47%
0.28%
0.24%
15,992 16,889
16,604 17,778 17,730 18,813 18,637
9,286
6,423 7,243 7,252 6,774
4,152 3,572
2012 3M13 6M13 9M13 2013 3M14 6M14
----- End of picture text -----

31

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一銀逾期放款分類表

==> picture [628 x 397] intentionally omitted <==

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

1
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
0.20% 中小
房貸 0.64% 0.64%
0.18% 0.18%
0.17% 0.18% 0.52% 0.50%
0.39%
0.19%
0.58% 0.55%
0.17% 0.16% 0.17%
0.16%
0.30%
0.20% 0.09%
2Q13 3Q13 4Q13 1Q14 2Q14
2Q13 3Q13 4Q13 1Q14 2Q14
國內 放款 逾放比率 (in %) 海外放款 逾放比率 (in %)
國內 海外
0.40%
0.39%
2.03%
0.32% 1.26%
0.28% 1.12%
0.25%
0.27% 0.23%
2Q13 3Q13 4Q13 1Q14 2Q14
2Q13 3Q13 4Q13 1Q14 2Q14
----- 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

32

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一銀 2014年第二季 新增逾放與呆帳收回

0.00%
0.00%
0.15%
871
~~682~~
231
1,388
1,337
(9)
1,051
1,397
3Q12
4Q12
1Q13
2Q13
季度新增逾放
3Q13
4Q13
1Q14
2Q14
---國內
448
196
178
619
---海外
2,262
(13)
(2,275)
(30)
小計
2,710
183
(2,097)
589
季度新增逾放 (in NT$ mn）
季度新增逾放 與 轉銷數 ( in NT$ mn)		 0.09%
0.00%
0.07%
676
2,695
525
1,169
183
(2,097)
589
2,710
3Q13
4Q13
1Q14
2Q14
轉銷數
新增逾放
季度呆帳收回
3Q13
4Q13
1Q14
2Q14
---國內
500
368
246
553
---海外
148
148
450
101
---信用卡
17
18
17
15
小計
665
534
713
669
轉銷奇力光電
NTD 279 mn
季度呆帳收回 (in NT$ mn)
季度新增逾放 (in NT$ mn） 季度呆帳收回
3Q13
4Q13
1Q14
2Q14
---國內
500
368
246
553
---海外
148
148
450
101
---信用卡
17
18
17
15
小計
665
534
713
669
季度呆帳收回 (in NT$ mn)
季度新增逾放
3Q13
4Q13
1Q14
2Q14
---國內
448
196
178
619
---海外
2,262
(13)
(2,275)
(30)
季度呆帳收回
3Q13
4Q13
1Q14
2Q14
---國內
500
368
246
553
---海外
148
148
450
101
---信用卡
17
18
17
15
小計
2,710
183
(2,097)
589
小計
665
534
713
669
季度新增逾放 與 轉銷數 ( in NT$ mn)
0.00%
0.00%
0.15%
871
~~682~~
231
1,388
1,337
(9)
1,051
1,397
3Q12 4Q12
1Q13
2Q13

33

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資本適足率與核心資本

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

金控集團資本適足率 ( in %)
CAR
125.55%
123.00% 123.04%
121.24%
119.69% 117.99% 117.05% 119.40%
115.14%
111.50%
statutory CAR 100%
一銀資本適足率與第一類資本 ( in %)
CAR
11.51%
11.01% 10.94% 11.03% 10.90% 10.88%
10.01% 10.36% 10.14% 10.44%
Tier 1
8.28% 8.23% 8.41% 8.34% 8.31% 8.64%
7.45% 7.13% 7.00% 6.82%
2H09 1H10 2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14
2H09 1H10 2H10 1H11 2H11 1H12 2H12 1H13 2H13 1H14
----- 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

34

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==> picture [45 x 43] intentionally omitted <==

附件

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第一金控綜合損益表

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

Full Year Results (TW-GAPP) Full Year Results (IFRSs)
Year-over-Year Comparison		 Full Year Results (IFRSs)
Year-over-Year Comparison		 Full Year Results (IFRSs)
Year-over-Year Comparison		 Full Year Results (IFRSs)
Year-over-Year Comparison		 Full Year Results (IFRSs)
Year-over-Year Comparison
2011
2012		 2013
25,932
6,632
688
859
88
315
97
1,368
3
484
36,466
(4,047)
(397)
(18,973)
13,049
(2,172)
10,877
1,262
12,139
10,889
(12)
12,242
(104)
1.26		 1H13 1H14 Change
Interes
Less:
Net inter
Net se
Net Ins
Gain o
at fai
Gain o
Gain o
Incom
Real e
Net ga
Others
Net non-i
Net reven
Provision
Reserve
Operatin
Other ex
Income f
Income t
Income f
Income f
Cummul
in acco
Consolid
EPS1(NT
Net inc
Minorit		 t income
Interest expenses
est income
rvice fee & commission
urance revenue
n financial assets measured
r value through P/L
n AFS financial assets
n HTM financial assets
e from equity invest.
state investment gain
in on F/X

nterest income
ues
for credit losses
for insurance
g expenses
penses
rom continued op. before tax
ax expenses
rom continued op. after tax
rom discountinued op., net of tax
ative effect of change
unting principle
ated net income
$)
ome attributable to parent
y interests		 34,166
36,544
(12,083)
(12,422)
22,083
24,122
6,203
5,954
0
695
1,111
1,363
694
360
11
0
132
256
3
0
853
651
1,469
3,258
10,476
12,537
32,559
36,659
(5,347)
(5,890)
(36)
(656)
(17,970)
(18,084)
0
0
9,206
12,029
(1,735)
(1,911)
7,471
10,118
0
0
0
0
7,471
10,118
1.01
1.25
7,602
10,174
(131)
(56)		 Net interest income
Net service fee & commission
Net Insurance revenue
Gain on financial assets meas.
at fair value through P/L
Real estate investment gain
Gain on AFS financial assets
Income from equity invest.
Net gain on F/X
Assets impairment loss
Others
Ner Revenue
Net Provision for credit losses
Recovered(provided) for insurance res.
Operating Expense
Income from continued op. before tax
Income tax expenses
Consolidatednetincome		 12,695
3,043
(141)
247
42
17
52
765
0
480
17,200
(339)
324
(9,388)
7,797
(1,436)
6,361		 13,915
3,611
654
1,296
143
149
27
600
59
495
20,949
(1,310)
(404)
(9,833)
9,402
(1,197)
8,205		 9.6%
18.7%
--
424.7%
240.5%
776.5%
-48.1%
-21.6%
--
3.1%
21.8%
286.4%
--
4.7%
20.6%
-16.6%
29.0%
Other Items
Comprehensive Income		 393
6,754		 894
9,099		 127.5%
34.7%
Net Income attributed to:
Parent
Minorityinterests		 6,332
29		 8,207
(2)		 29.6%
--
Comprehensive Income attributed to:
Parent
Minorityinterests		 6,809
(55)		 9,103
(4)		 33.7%
-92.7%
EPS1(NT$)
0.68 0.89 30.9%

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.

36

第一金控非合併損益表

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

~~FFHC Stndln Inm Sttmnt Smmr~~ ~~FFHC Stndln Inm Sttmnt Smmr~~ ~~FFHC Stndln Inm Sttmnt Smmr~~ ~~FFHC Stndln Inm Sttmnt Smmr~~ ~~FFHC Stndln Inm Sttmnt Smmr~~ ~~FFHC Stndln Inm Sttmnt Smmr~~











~~aaoe coe aee uay~~
in NT$ million, NT$, or %
Full Year Results Year-over-Year Comparison
2011
2012
2013		 1H13 1H14 Change








Operating revenues
Income from long-term investment
8,857
10,641
11,112
Other income1
238
252
226
Total revenues
9,095
10,893
11,339
Loss from long-term investment
(992)
(291)
(12)
Operating expenses
(235)
(231)
(233)
Other expenses and losses
(228)
(145)
(145)
Income from continued op. before tax
7,641
10,226
10,949
Income from continued po. after tax
7,602
10,226
10,889
Income from discontinued op., net of tax
0
0
0
Net income
7,602
10,226
10,889
EPS2(NT$)
1.01
1.18
1.26		 6,378
215
6,594
(8)
(121)
(72)
6,393
6,332
0
6,332
0.68		 8,096
226
8,322
(2)
(133)
(135)
8,052
8,207
0
8,207
0.89		 26.9%
5.1%
26.2%
-75.0%
9.9%
87.5%
26.0%
29.6%
--
29.6%
30.9%
  1. Including income other than long-term investment 2. EPS is adjusted retroactively for stock dividends

37

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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
2011 2012 2013 1H13 **1H14 ** Change
Non-consolidated Balance Sheet Data
Long-term investment 127,331 137,633 145,469 140,615 154,203 9.7%
Total non-consolidated assets 135,716 141,300 151,546 149,252 159,493 6.9%
Total liabilities 8,999 9,156 10,817 13,956 13,988 0.2%
Total shareholders' equity 126,717 132,144 140,729 135,296 145,505 7.5%
Conolidated Balance Sheet Data
Total consolidated assets 2,080,970 2,124,279 2,263,385 2,170,366 2,336,669 7.7%
Total liabilities 1,953,609 1,991,555 2,122,179 2,034,545 2,190,691 7.7%
Total shareholders' equity 127,361 132,724 141,206 135,821 145,978 7.5%
Parent's shareholders' equity 126,717 132,143 140,729 135,296 145,505 7.5%
Minority interests 644 581 477 525 473 -9.9%
Current shares outstanding 76,654 81,254 86,535 86,535 92,593 7.0%

*figures may not match due to rounding

38

第一金控主要財務比率

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==> picture [36 x 242] intentionally omitted <==

FFHC Key Ratios

FFHC Key Ratios
2011
2012
2013
1H13
1H14 Change
0.36%
0.48%
0.50%
0.60%
0.72%
20.0%
6.38%
7.86%
7.94%
9.48%
11.42%
20.5%
16.53
16.26
16.26
15.63
15.71
0.5%
76,654
81,254
86,535
86,535
92,593
7.0%
103.58%
104.15%
103.37%
103.93%
105.98%
2.0%
123.00%
125.55%
123.04%
119.40%
121.24%
1.5%
6.63%
6.48%
7.14%
9.35%
8.77%
-6.2%
Year-over-Year Comparison
Full Year Results
1H13 **1H14 ** Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.60%
9.48%
15.63
86,535
103.93%
119.40%
9.35%		 0.72%
11.42%
15.71
92,593
105.98%
121.24%
8.77%		 20.0%
20.5%
0.5%
7.0%
2.0%
1.5%
-6.2%

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

  2. Updated semi-annually.

  3. Non-consolidated basis.

39

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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 第一銀行損益表 第一銀行損益表
omprehensive Income Statement Summary(Standalone)
T$ million or %
Net re
Net
Net
Net
Net
Net
Bad
Oth
Net
Opera
Provis
Incom
Inco
Incom
Cumm
in a
Net in		 venue
interest income
fee income
gain on ST invest.
gain on LT invest.
gain on other fin. products
debts recovery
er net income
revenue
ting expenses
ion
e before tax
me tax
e after tax
ulative effect of change
ccounting principle
come		 2011
2012
20,761
23,003
4,826
4,931
440
162
498
633
2,581
2,141
2,402
2,415
(584)
446
30,924
33,731
(15,482)
(15,730)
(5,300)
(5,809)
10,142
12,192
(1,517)
(1,817)
8,625
10,375
0
0
8,625
10,375
Full Year Results (TW-GAPP)		 Full Year Results (IFRSs)
2013
1H13
1H14
Change
Net interest income
24,865
12,196
13,313
9.2%
Net fee income
5,397
2,511
2,931
16.7%
Net gain on ST invest.
76
(44)
29
-165.9%
Net gain on LT invest.
711
163
207
27.0%
Net gain on other fin. products
1,887
859
1,728
101.2%
Other net income
(160)
88
80
-9.1%
Net revenue
32,776
15,773
18,288
15.9%
Operating expenses
(16,269)
(8,091)
(8,320)
2.8%
Pre-provisiion pre-tax profit
16,507
7,682
9,968
29.8%
Provision expense
(7,090)
(2,239)
(2,621)
17.1%
Adjustment: bad-debt recovery
3,168
1,970
1,382
-29.8%
Income before tax
12,584
7,413
8,729
17.8%
Income tax
(1,940)
(1,269)
(1,202)
-5.3%
Net income
10,645
6,144
7,527
22.5%
Other items
1,165
494
604
22.3%
Comprehensive income
11,810
6,638
8,131
22.5%
EPS
1.60
0.93
1.13
0.22
Year-over-Year Comparison
* bject to final Reviewed
g from 2013, data are stated in accordance with IFRSs, whereas FY2011-2012 are with ROC GAAP.
  • starting from 2013, data are stated in accordance with IFRSs, whereas FY2011-2012 are with ROC GAAP.

40

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第一銀行主要財務比率

F ~~B Key Ratios~~

==> picture [688 x 31] intentionally omitted <==
L
N
C
 Year-over-Year Comparison
to deposit spread
terest Margin
to income ratio4
to deposit ratio1
atio
age ratio		 2011
2012
2013
1.41%
1.41%
1.49%
1.10%
1.10%
1.21%
50.06%
50.06%
46.63%
84.72%
84.72%
89.49%
0.47%
0.47%
0.44%
217.90%
217.90%
248.97%		 1H13 1H14 Change
1.31%
1.59%
-11.33%
-5.45%
-52.00%
127.86%
oan
et In
ost
oan
PL r
over		 1.53%
1.26%
51.30%
88.29%
0.50%
228.97%		 1.55%
1.28%
45.49%
83.48%
0.24%
521.72%

N
C
C
T
R
R
AR 10.94%
10.94%
11.51%		 11.03% 10.88% -1.36%
ier-1 8.28%
8.28%
8.41%		 8.34% 8.64% 3.60%
OAA
OAE		 2
2		 0.43%
0.43%
0.51%
8.12%
8.12%
8.58%		 0.60%
9.84%		 0.68%
11.10%		 13.33%
12.80%
1 an to depoist ratio = total loan / total deposit
nualized figures.
R and Tier 1 updated semi-annually.
rting from 2013, net interest income, gains on Fin. Products and opt. expense will be re-classfied, 1H12&1H13 figures adjusted accordingly.

  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, 1H12&1H13 figures adjusted accordingly.

41

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第一銀行放款品質

FB NPL Migration in NT$ million or %

F
 F
 B NPL Migration
n NT$ million or %
2011
2012
2013
Q1
Q2
1H13
1H14
Change
PL- beginning
10,550
6,373
6,423
6,774
4,152
6,423
6,774
5.5%
Net new NPL influx
(1,421)
3,493
5,341
(2,097)
589
2,448
(1,508)
--
Net write-offs
(2,756)
(3,443)
(4,990)
(525)
(1,169)
(1,619)
(1,694)
4.6%
PL- ending balance
6,373
6,423
6,774
4,152
3,572
7,252
3,572
-50.7%
llowance for loan loss- beginning
11,877
13,886
15,992
17,730
18,813
15,992
17,730
10.9%
Provisions for loan loss
4,825
5,705
6,693
1,549
1,053
2,177
2,602
19.5%
Net write-offs
(2,756)
(3,443)
(4,990)
(525)
(1,169)
(1,619)
(1,694)
4.6%
Others
(60)
(156)
35
59
(60)
54
(1)
--
llowance for loan loss- ending
13,886
15,992
17,730
18,813
18,637
16,604
18,637
12.2%
PL ratio
0.47%
0.44%
0.47%
0.28%
0.24%
0.50%
0.24%
-0.3%
overage ratio
217.90%
248.97%
261.73%
453.05%
521.72%
228.97%
521.72%
292.8%
eneral Provision Ratio
1.07%
1.17%
1.26%
1.34%
1.31%
1.22%
1.31%
0.1%
ier 1 Asset Provision Ratio
--
--
1.09%
1.20%
1.20%
1.01%
1.20%
0.2%
. Non-consolidated basis
Year-over-Year Comparison
2014 Quarterly
Full Year		 B NPL Migration
n NT$ million or %
2011
2012
2013
Q1
Q2
1H13
1H14
Change
PL- beginning
10,550
6,373
6,423
6,774
4,152
6,423
6,774
5.5%
Net new NPL influx
(1,421)
3,493
5,341
(2,097)
589
2,448
(1,508)
--
Net write-offs
(2,756)
(3,443)
(4,990)
(525)
(1,169)
(1,619)
(1,694)
4.6%
PL- ending balance
6,373
6,423
6,774
4,152
3,572
7,252
3,572
-50.7%
llowance for loan loss- beginning
11,877
13,886
15,992
17,730
18,813
15,992
17,730
10.9%
Provisions for loan loss
4,825
5,705
6,693
1,549
1,053
2,177
2,602
19.5%
Net write-offs
(2,756)
(3,443)
(4,990)
(525)
(1,169)
(1,619)
(1,694)
4.6%
Others
(60)
(156)
35
59
(60)
54
(1)
--
llowance for loan loss- ending
13,886
15,992
17,730
18,813
18,637
16,604
18,637
12.2%
PL ratio
0.47%
0.44%
0.47%
0.28%
0.24%
0.50%
0.24%
-0.3%
overage ratio
217.90%
248.97%
261.73%
453.05%
521.72%
228.97%
521.72%
292.8%
eneral Provision Ratio
1.07%
1.17%
1.26%
1.34%
1.31%
1.22%
1.31%
0.1%
ier 1 Asset Provision Ratio
--
--
1.09%
1.20%
1.20%
1.01%
1.20%
0.2%
. Non-consolidated basis
Year-over-Year Comparison
2014 Quarterly
Full Year		 B NPL Migration
n NT$ million or %
2011
2012
2013
Q1
Q2
1H13
1H14
Change
PL- beginning
10,550
6,373
6,423
6,774
4,152
6,423
6,774
5.5%
Net new NPL influx
(1,421)
3,493
5,341
(2,097)
589
2,448
(1,508)
--
Net write-offs
(2,756)
(3,443)
(4,990)
(525)
(1,169)
(1,619)
(1,694)
4.6%
PL- ending balance
6,373
6,423
6,774
4,152
3,572
7,252
3,572
-50.7%
llowance for loan loss- beginning
11,877
13,886
15,992
17,730
18,813
15,992
17,730
10.9%
Provisions for loan loss
4,825
5,705
6,693
1,549
1,053
2,177
2,602
19.5%
Net write-offs
(2,756)
(3,443)
(4,990)
(525)
(1,169)
(1,619)
(1,694)
4.6%
Others
(60)
(156)
35
59
(60)
54
(1)
--
llowance for loan loss- ending
13,886
15,992
17,730
18,813
18,637
16,604
18,637
12.2%
PL ratio
0.47%
0.44%
0.47%
0.28%
0.24%
0.50%
0.24%
-0.3%
overage ratio
217.90%
248.97%
261.73%
453.05%
521.72%
228.97%
521.72%
292.8%
eneral Provision Ratio
1.07%
1.17%
1.26%
1.34%
1.31%
1.22%
1.31%
0.1%
ier 1 Asset Provision Ratio
--
--
1.09%
1.20%
1.20%
1.01%
1.20%
0.2%
. Non-consolidated basis
Year-over-Year Comparison
2014 Quarterly
Full Year
i
N
N
A
A
N
C
G
T
2011
2012
2013
10,550
6,373
6,423
(1,421)
3,493
5,341
(2,756)
(3,443)
(4,990)
6,373
6,423
6,774
11,877
13,886
15,992
4,825
5,705
6,693
(2,756)
(3,443)
(4,990)
(60)
(156)
35
13,886
15,992
17,730
0.47%
0.44%
0.47%
217.90%
248.97%
261.73%
1.07%
1.17%
1.26%
--
--
1.09%
Full Year		 Q1
Q2
1H13
1H14
Change
6,774
4,152
6,423
6,774
5.5%
(2,097)
589
2,448
(1,508)
--
(525)
(1,169)
(1,619)
(1,694)
4.6%
4,152
3,572
7,252
3,572
-50.7%
17,730
18,813
15,992
17,730
10.9%
1,549
1,053
2,177
2,602
19.5%
(525)
(1,169)
(1,619)
(1,694)
4.6%
59
(60)
54
(1)
--
18,813
18,637
16,604
18,637
12.2%
0.28%
0.24%
0.50%
0.24%
-0.3%
453.05%
521.72%
228.97%
521.72%
292.8%
1.34%
1.31%
1.22%
1.31%
0.1%
1.20%
1.20%
1.01%
1.20%
0.2%
Year-over-Year Comparison
2014 Quarterly
N
N
A
A
N
C
G
T		 PL- beginning
Net new NPL influx
Net write-offs
PL- ending balance
llowance for loan loss- beginning
Provisions for loan loss
Net write-offs
Others
llowance for loan loss- ending
PL ratio
overage ratio
eneral Provision Ratio
ier 1 Asset Provision Ratio
. Non-consolidated basis
1

42

第一金證券營運報告

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==> picture [692 x 31] intentionally omitted <==

First Securities Financial Results Summary in NT$ million or %

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
F
i		 irst
n NT
Year-over-Year Comparison
2011
2012
2013
1H13
804
659
683
Brokerage commission
319
408
282
297
Net interest income
131
43
79
76
Underwriting commission
27
(620)
100
292
Transaction gains through F/V, net
39
98
113
150
Other operating income
141
733
1,230
1,498
Total operating income
657
(1,476)
(1,388)
(1,410)
Total operating expenses
(628)
(14)
21
73
Non-operating income
24
(759)
(137)
161
Income before tax
53
(71)
16
(21)
Income tax
(24)
0
0
0
Cummulative effect of change in
0
accounting principles
(830)
(121)
140
Net income
29
First Sec Key Ratios
-11.78%
-1.90%
2.19%
ROAE (Annualized)
0.92%
-4.74%
-0.71%
0.80%
ROAA (Annualized)
0.40%		 1H14 Change
29.8%
25.2%
-70.4%
753.8%
--
38.1%
10.7%
66.7%
375.5%
37.5%
--
655.2%
623.9%
470.0%
F
T
T
 irst
otal o
Brok
Net i
Unde
Prici
Othe
Total
otal o
on-op
ncome
ncome
umm
accou
et inc		 Sec Income Statement Summary
perating income
erage commission
nterest income
rwriting commission
ple transaction gains, net
r operating income
operating income
perating expenses
erating income
before tax
tax
ulative effect of change in
nting principles
ome		 414
164
8
333
(12)
907
(695)
40
252
(33)
0
219

I
I
C

N
F
R
R
irst
OAE (
OAA (		 Sec Key Ratios
Annualized)
Annualized)		 6.66%
2.28%
B
M		 roker
argin		 age market share
loan market share		 1.52%
1.62%
1.72%
Brokerage market share
1.64%
1.99%
1.99%
2.37%
Margin loan market share
2.22%		 1.66% 1.2%
9.0%
2.42%

43

第一金投信營運報告

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FSITC Income Statement Summary in NT$ million or %

1H14 Change
249
1
250
(195)
7
62
(10)
52
0
52		 -2.4%
0.0%
-2.3%
-0.5%
75.0%
-3.1%
-9.1%
-1.9%
--
-1.9%
y
FSITC Key Ratios
AUM
97,401
81,568
75,191
78,106
AUM Ranking
5
8
10
10		 74,381
12		 -4.8%
--
  1. Non-consolidated basis

44

第一金人壽營運報告

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First-Aviva Financial Results Summary

in NT$ million or %

in NT$ million or %

45

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