Skip to main content

AI assistant

Sign in to chat with this filing

The assistant answers questions, extracts KPIs, and summarises risk factors directly from the filing text.

Sign up Log in

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

May 29, 2014

52222_rns_2014-05-29_f3ec193c-b1ca-4813-8866-e2a82133faa3.pdf

Interim / Quarterly Report

Open in viewer

Opens in your device viewer

==> picture [720 x 7] intentionally omitted <==

==> picture [375 x 44] intentionally omitted <==

第一金控 2014 年第一季營運報告 May 29, 2014

==> picture [720 x 42] intentionally omitted <==

==> picture [720 x 7] intentionally omitted <==

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

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

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

- 2014 年第一季業務摘錄

  • 財務資料

  • - 營運成果

  • - 海外發展

  • - 附件

3

==> picture [720 x 7] intentionally omitted <==

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

2014年第一季業務摘錄

==> picture [720 x 42] intentionally omitted <==

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

2014年第一季業務摘錄

  • 銀行核心獲利穩健成長： 銀行第一季在淨利收及手續費收入方面均有不錯之表現， 至於TMU業務(特別是TRF部分)則相對較少承作。

- 廈門租賃四月開幕：

複製大陸地區「雙軌並進」策略，已於四月份開設廈門租賃， 並預計於2014年下半年成立廈門分行。

  • 殖利率上揚將有助提升銀行獲利： 有鑑於QE緩步退場，銀行亦適當調整其資產負債結構， 以利未來利率上揚時獲取更大利益。

5

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

一銀核心獲利(淨利收與手續費收益)趨勢 及外幣放款分析

==> picture [628 x 387] intentionally omitted <==

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

一銀淨利收 , 手續費收益 (in NT$ mn )
淨利收 手續費收益 核心獲利合計
7,866 8,007
7,688
7,444
7,264
6,065 6,132 6,267 6,401 6,601
1,199 1,312 1,421 1,465 1,406
1Q13 2Q13 3Q13 4Q13 1Q14
外幣放款及海外分行放款增長趨勢 (in NT$ mn & %)
外幣放款餘額 海外分行放款餘額
48.7%
海外分行放款餘額佔全體外幣放款比率 (%) 46.8%
44.1%
43.4%
43.1%
293.0 306.4
267.3 273.2
260.2
115.9 117.7 124.9 137.2 149.1
1Q13 2Q13 3Q13 4Q13 1Q14
----- End of picture text -----

6

==> picture [720 x 7] intentionally omitted <==

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

2014年第一季財務資料

==> picture [720 x 42] intentionally omitted <==

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

2014年第一季主要財務數字


1Q14
3,6551
4,701
2,306,450
0.42
16.80
86,535
10.20%
0.64%
123.76%
103.34%
YoY %
23.1%
15.2%
7.4%
23.5%
0.2%
6.5%
15.9%
14.3%
-2.5%
-0.7%
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
1Q13
2,9701
4,079
2,147,634
0.34
16.76
81,254
8.80%
0.56%
126.26%
104.09%
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
1Q14獲利組合1 ( in NT$ mn)
1Q14
3,6551
4,701
2,306,450
0.42
16.80
86,535
10.20%
0.64%
123.76%
103.34%
YoY %
23.1%
15.2%
7.4%
23.5%
0.2%
6.5%
15.9%
14.3%
-2.5%
-0.7%
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
1Q13
2,9701
4,079
2,147,634
0.34
16.76
81,254
8.80%
0.56%
126.26%
104.09%
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$3,543; 96.9%
證券
NT$123; 3.4%
投信
NT$28; 0.8%
其他
NT$(120);-3.3%
人壽
NT$(10); -0.3%
AMC
NT$61;1.7%

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]

8

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

2014年第一季集團營運成果

==> picture [628 x 424] intentionally omitted <==

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

1Q 2014 合併淨利 (in NT$ mn)
信用成本 (836)
保險準備 (310)
10,269 (1,146)
(4,846)
23.1%
↑
(622) 4,701
3,655
1,046
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 2013 合併淨利 (in NT$ mn)
信用成本 (235)
保險準備 (151)
8,545
(386) (4,607)
4,079
(582) 2,970
1,109
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
----- End of picture text -----

9

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

2014年第一季主要子公司*獲利表現

- 稅後淨利

==> picture [628 x 396] intentionally omitted <==

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

--
1Q 2014 稅後淨利 主要子公司 (in NT$ mn)
↑ 23.1%
↑19.6%
3,655
3,543
↑392.0% ↑69.4%
FFHC (5)
Aviva (5)
123 28 61
(-10)
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
--
1Q 2013 稅後淨利 主要子公司 (in NT$ mn)
2,970
2,962
FFHC 7
Aviva 7
32 36
17 14
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
----- End of picture text -----

  • 僅列示主要五家子公司獲利

10

==> picture [720 x 7] intentionally omitted <==

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

2014年第一季營運成果

==> picture [720 x 42] intentionally omitted <==

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

金控與一銀獲利能力 - 稅後淨利

==> picture [628 x 400] intentionally omitted <==

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

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%
8.26% 7.73% 7.73% 7.94%
6.38%
9,016 10,118 9,293 10,877
6,810 7,471 6,680 6,361
4,428 3,131 2,970 3,655
6M 11 9M 11 2011 3M 12 6M 12 9M 12 2012 3M 13 6M 13 9M 13 2013 3M 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
11.14%
9.52% 9.53% 8.12% 10.16% 9.73% 8.58% 9.44% 9.84% 9.49% 8.35% 10.59%
10,375 10,645
8,625 8,880 8,977
7,609
6,551 6,144
4,609
3,543
2,972 2,962
6M 11 9M 11 2011 3M 12 6M 12 9M 12 2012 3M 13 6M13 9M 13 2013 3M 14
----- End of picture text -----

  1. 含少數股權

12

一銀 2014年第一季稅前獲利

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

7,672
9,032
1Q13
1Q14
累積 淨收益
1Q14累積淨收益(in NT$ mn or %)
1Q13淨收益&費用比較( NT$mn )
+17.7%		 7,672
9,032
1Q13
1Q14
累積 淨收益
1Q14累積淨收益(in NT$ mn or %)
1Q13淨收益&費用比較( NT$mn )
+17.7%		 7,672
9,032
1Q13
1Q14
累積 淨收益
1Q14累積淨收益(in NT$ mn or %)
1Q13淨收益&費用比較( NT$mn )
+17.7%
一銀稅前獲利佔比分析(in %)
z
項目
1Q13
1Q14
Change
淨利收
79.0%
73.1%
-5.9%
淨手續費收益
15.6%
15.6%
-0.0%
投資收益/短投
0.0%
0.1%
+0.1%
投資收益/長投
1.0%
1.3%
+0.3%
投資收益/其他金融商品
3.7%
10.0%
+6.3%
其他
0.7%
-0.1%
-0.8%
淨收益
100.0%
100.0%
呆帳費用1
-14.2%
-17.4%
-3.2%
調整:呆帳回收
+11.6%
+7.9%
-3.7%
營業費用
-51.5%
-45.3%
+6.2%
稅前獲利
45.9%
45.2%
-0.7%
1Q13淨收益&費用比較( NT$mn )
  1. 呆帳費用不含呆帳回收

13

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

一銀 2014年第一季總放款結構

% of總放款1
項目
1Q13
1Q14
Change
消金放款
27.8%
27.9%
+0.1%
房貸
26.9%
26.7%
-0.2%
其他消費貸款
0.9%
1.2%
+0.3%
法金放款
72.2%
72.1%
-0.1%
企業放款
47.3%
46.3%
-1.0%
---_中小企業
36.4%
36.8%
+0.4%
外幣放款
18.7%
20.9%
+2.2%
---_海外分行
8.1%
10.2%
+2.1%
政府及公營事業放款
6.2%
4.9%
-1.3%
總放款1
100.0%
100.0%
1Q131Q14 1Q131Q14 1Q131Q14 1Q131Q14 1Q13 1Q14
↑1.7%
↑ 14.6%
↓18.2%
1Q14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
385.3
13.4
88.5
391.8
17.0
72.4
306.4
676.2
267.3
678.5
↑0.3%
中小2
520.6
中小2
538.8
海外
115.9
SME↑3.5%
海外
149.1

  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

14

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

一銀總放款結構 -季度比較

一銀放款成長 (in NT$ bn) 一銀放款成長 (in NT$ bn) QoQ% YoY% QoQ% YoY% QoQ% YoY% QoQ% YoY%
690.3
694.5
676.2
682.4
685.3
689.2
678.5
367.3
377.9
385.3
387.9
388.0
68.3
92.0
85.1
66.5
40.4
72.4
264.6
260.2
267.3
273.2
283.2
293.0
306.4
393.3
391.8
88.5
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
政府公營事業
中小企業
房屋貸款
企業放款2
1403.3
1438.4
1430.6
1442.9
1438.2
1433.0
1466.0
外幣放款
總放款
1
523.5
520.6
524.6
536.4
545.9
538.8
510.6		 QoQ% YoY%
-1.3% +3.5%
+4.6% +14.6%
+79.2% -18.2%
-0.4% +1.7%
-1.6% +0.3%
3Q12
4Q12
1Q13
2Q13
3Q13
4Q13
1Q14
  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

15

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

一銀放款額與淨利息收益率

==> picture [656 x 391] intentionally omitted <==

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

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%
83.47% 83.50%
1,470.6
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 1,447.7 1,439.9
1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14
△
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%
1.47% 1.48% 1.49%
1.45%
1.40% 1.40% 1.41%
1.36%
1.28%
1.26% 1.26% 1.26% 1.26%
1.21%
1.20% 1.20%
1.18%
1.10% 1.10% 1.10%
1.07%
1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14
----- End of picture text -----

  1. 總放款 = 放款 + 進 / 出口買匯 + 催收款項

  2. 利差 及 淨利息收益率 均為累積年度平均數

  3. 存放比 = 總放款 / 總存款 ( 含郵政轉存款 )

16

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

一銀台外幣利差

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

----- 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)
利差 (NTD)
2.06% 2.09% 2.10% 2.10% 2.09% 2.10% 2.11% 2.15% 2.13%
2.06% 2.06%
2.01%
1.36% 1.38% 1.38% 1.37% 1.40% 1.41% 1.42% 1.47% 1.48% 1.50% 1.53% 1.52%
0.68% 0.68% 0.69% 0.69% 0.69% 0.68%
0.64%
0.62% 0.62% 0.61% 0.61% 0.61%
2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14
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) 2.33% 2.38% 2.31% 2.43% 2.49% 2.25% 2.29% 2.42% 2.38% 2.52%
2.14% 2.16%
1.73% 1.70% 1.74% 1.84% 1.82% 1.90% 1.97% 1.74% 1.76% 1.83% 1.75% 1.65%
0.87%
0.64%
0.59% 0.59%
0.46% 0.54% 0.49% 0.53% 0.52% 0.51% 0.53%
0.41%
2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14
----- End of picture text -----

  • 以上利率均為 季度加權平均數字

17

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

一銀房貸分析

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

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

||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
|1Q14|房貸|--|依地區別|(in %)|房貸利率|&|房貸成數比|(in %)|
|地區|1Q14|新承作房貸成數比|平均房貸成數比|平均房貸利率|
|北部|70%|
|大台北都會|54%|
|桃竹苗|16%|
|2.20%|2.18%|2.16%|2.15%|2.15%|2.15%|2.15%|2.15%|
|中部|10%|
|大台中|
|南部|16%|67.01%|66.67%|66.68%|67.14%|66.82%|66.23%|65.99%|65.74%|
|台南|/|高雄|48.89%|48.74%|48.87%|49.09%|48.77%|48.14%|48.00%|47.59%|
|東部|4%|
|總計|100.0%|
|6M12|9M12|2012|3M13|6M13|9M13|2013|3M14|
|房貸逾放比|(in % )|↑4.3%|
|房貸逾放比|
|SME|[2 ]|SME|[2 ]|
|0.38%|0.30%|0.27%|↑17.2%|
|0.23%|0.23%|0.21%|0.17%|317.0|305.0|0.17%|0.16%|0.18%|
|0.16%|
|3Q11|4Q11|1Q12|2Q12|3Q12|4Q12|1Q13|2Q13|3Q13|4Q13|1Q14|

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

18

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

一銀特定產業貸放集中度

==> picture [644 x 389] intentionally omitted <==

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

1Q14 - 特定貸放產業佔比
總放款餘額 [1] : NT$1,466.0 bn
製造業 (27.66%) 非製造業 (72.34%)
5.78% 塑化
餐飲旅館 1.38%
5.11% 金屬
批發零售 10.61%
7.40% 科技
1.04% 太陽能 不動產業 6.80%
1.28% TFT-LCD
運輸倉儲 6.15%
0.17% LED
海運 2.12%
0.39% DRAM
----- End of picture text -----

  1. 總放款不含催收款 .

19

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

一銀2014年第一季淨手續費結構

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

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

||||||||
|---|---|---|---|---|---|---|
|1Q14|累積淨手續費|(in NT$ mn or %)|累積淨手續費收益佔比|
|項目|1Q13|1Q14|Change|
|1,406|
|財富管理|[1 ]|43.5%|47.3%|+3.8%|
|外幣|18.3%|15.9%|-2.4%|
|+17.3%|
|1,199|
|其他|[2 ]|13.7%|14.4%|+0.7%|
|放款相關|17.3%|15.9%|-1.4%|
|信用卡|7.2%|6.5%|-0.7%|
|1Q13 1Q14|
|累積淨手續費收益|100.0%|100.0%|
|淨手續費收益|
|1Q14|累積淨手續費|佔比|( in NT$ mn )|
|↑|27.6%|
|665|↑7.7%|↑1.4%|
|521|↑23.8%|
|↑5.8%|
|↓|23.7%|224|
|208|220|223|203|
|91|164|
|86|
|↑3.0%|
|1Q13 1Q14 1Q13 1Q14 1Q13 1Q14 1Q13 1Q14 1Q13 1Q14|
|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

20

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

一銀淨手續費收益 -季度比較

==> picture [666 x 404] intentionally omitted <==

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

淨手續費收益 (in NT$mn)
YoY% +17.3%
淨手續費 1,349 1,312 1,421 1,465 1,406
1,199
收益
203
194
203
145
165 95
其他 * 92 87 91
164 85
信用卡 228 251
217 86 223
227
外匯相關
220
226 237
259 224
222
放款相關
208 YoY% +27.6%
財富管理 636 613 686 680 665
521
4Q12 1Q13 2Q13 3Q13 4Q13 1Q14
----- End of picture text -----

  • 其他為含海外分行在內之通路手續費

21

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

一銀2014年第一季營業費用比率

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

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

|||||||||||
|---|---|---|---|---|---|---|---|---|---|
|1Q14|一銀營業費用|(in NT$ mn )|營業費用比率分析|( in NT$ mn)|
|項目|1Q13|1Q14|
|4,087|
|淨收益|7,672|9,032|
|營業費用|(3,953)|(4,087)|
|3,953|+3.4%|
|呆帳費用|(|淨|)|(201)|(858)|
|所得稅|(556)|(544)|
|1Q13 1Q14|
|淨利|2,962|3,543|
|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%|
|50.06%|50.18%|49.49%|49.50%|49.38%|49.63%|
|45.25%|
|7,271|7,921|8,314|8,180|7,650|7,672|8,101|8,715|8,288|9,032|
|3,817|3,975|4,061|4,050|4,393|3,953|4,138|4,002|4,176|4,087|
|4Q11|1Q12|2Q12|3Q12|4Q12|1Q13|2Q13|3Q13|4Q13|1Q14|

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

  • 2012 年起數字依 IFRS 準則列示

22

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

一銀2014年第一季資產品質

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

----- 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) 453.05%
覆蓋率 放款覆蓋率 (LLR), 排除政府放款
261.73%
248.97%
211.76% 207.78% 233.17% 228.97%
191.46%
1.25% 1.22% 1.29% 1.26% 1.34%
1.20%
1.04% 1.09%
1.01%
逾放比 逾放 呆帳提存準備
0.64%
0.47% 0.50% 0.50% 0.50% 0.47%
0.44%
0.28%
14,077 14,782 15,992 16,889 16,604 17,778 17,730 18,813
9,286
6,648 7,114 6,423 7,243 7,252 6,774
4,152
6M12 9M12 2012 3M13 6M13 9M13 2013 3M14
----- End of picture text -----

23

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

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 %)
個人
大企業
房貸 中小企業
0.20% 0.18% 0.18% 0.17% 0.17% 0.70%
0.64% 0.64%
0.52%
0.50%
0.17% 0.16% 0.17% 0.16% 0.18%
0.55% 0.58% 0.55%
0.30%
0.20%
1Q13 2Q13 3Q13 4Q13 1Q14
1Q13 2Q13 3Q13 4Q13 1Q14
國內 & 海外 逾放比率 (in %) 全體放款逾放比 (in %)
全體放款逾放比
2.03% 國內 海外
0.64%
1.09% 1.12% 0.50% 0.50% 0.47%
1.26% 0.28%
0.28%
0.41%
0.40% 0.39% 0.32% 0.27%
1Q13 2Q13 3Q13 4Q13 1Q14
1Q13 2Q13 3Q13 4Q13 1Q14
----- 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

24

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

出售 TMT 債權 NTD 2.1 bn

一銀 2014年第一季 新增逾放與呆帳收回

出售TMT債權
NTD 2.1 bn

新增逾放與呆帳收回		 出售TMT債權
NTD 2.1 bn

新增逾放與呆帳收回		 出售TMT債權
NTD 2.1 bn

新增逾放與呆帳收回		 出售TMT債權
NTD 2.1 bn

新增逾放與呆帳收回
0.09%
0.00%
0.07%
1,388
676
2,695
525
2,710
183
(2,097)
1,397
2Q13
3Q13
4Q13
1Q14
轉銷數
新增逾放金額
季度呆帳收回 (in NT$ mn)
季度呆帳收回
2Q13
3Q13
4Q13
1Q14
---國內
381
500
368
246
---海外
687
148
148
450
----信用卡
14
17
18
17
小計
1,083
665
534
713
季度新增逾放 (in NT$ mn） 季度呆帳收回 (in NT$ mn)
季度呆帳收回
2Q13
3Q13
4Q13
1Q14
---國內
381
500
368
246
---海外
687
148
148
450
----信用卡
14
17
18
17
小計
1,083
665
534
713
季度新增逾放
2Q13
3Q13
4Q13
1Q14
季度呆帳收回
2Q13
3Q13
4Q13
1Q14
---國內
343
448
196
178
---國內
381
500
368
246
---海外
1,054
2,262
(13)
(2,275)
---海外
687
148
148
450
----信用卡
14
17
18
17
小計
1,397
2,710
183
(2,097)
小計
1,083
665
534
713
季度新增逾放 與 轉銷數 ( in NT$ mn)
0.00%
0.00%
0.15%
1,548
~~871~~
682
231
2,137
1,337
(9)
1,051
2Q12
3Q12
4Q12
1Q13
3Q12
4Q12
1Q13

25

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

資本適足率與核心資本

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

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

金控集團資本適足率
CAR
125.55%
123.71% 123.00% [123.76%]
119.69% 117.99% 117.05% 119.40% [123.04%]
115.14%
111.50%
statutory CAR 100%
一銀資本適足率與第一類資本
CAR
10.91% 11.01% 10.94% 11.51% 11.03% 10.90% 10.89%
10.01% 10.36% 10.14% 10.44%
Tier 1
8.28% 8.23% 8.41% 8.34% 8.31% 8.52%
7.08% 7.45% 7.13% 7.00% 6.82%
1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 1H13 2H13 1Q14
1H09 2H09 1H10 2H10 1H11 2H11 1H12 2H12 1H13 2H13 1Q14
----- 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

26

股利政策

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

2013
2
0.50
0.70
1.20
39.7%
1.20
1.261
2013
第一金控每股盈餘與股利派發 ( in NT$ dollar )
每股盈餘
股利
0.75
1.10
0.9
1.00
0.75
1.18
1.02
0.44
1.08
1.20
2008
2009
2010
2011
2012		 1.20
1.261
2013
2008
2009
2010
2011
2012
2008
2009
2010
2011
2012		 2013
2
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 2. 2013 年股利發放仍待 2014 年 6 月 20 日股東常會決議 .

27

==> picture [720 x 7] intentionally omitted <==

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

海外發展

==> picture [720 x 42] intentionally omitted <==

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

一銀 2014年第一季海外業務盈餘

==> picture [672 x 421] intentionally omitted <==

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

1Q14 一銀海外分行稅前獲利分析 ( in % ) 1Q14 一銀全行稅前獲利分析 ( in NT mn & %)
其他海外 ; 5.1% 北美 ; 4.8%
東協 ; 3.9%
東協 ; 8.2%
其他地區 ; 2.4%
大中華 ; 36.2%
北美 ; 10.2%
全行稅前獲利
1Q14 海外分行
澳門 ; 0.6% $4,087 mn
稅前獲利
上海 ; 4.8%
$1,932 mn OBU; 60.4%
國內分行 ; 52.7%
香港 ; 10.7%
扣除 TMT 一次性呆帳收回，
季度海外地區稅前獲利佔比分析 (in NT$ mn or %) 獲利佔比將降至 41.6%
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
35.7% 37.7% 34.6% 47.3%
30.6% 27.3% 28.8%
27.3% 21.2% 19.9%
4,214
3,895 4,087
3,518
3,532 3,496
3,160 2,749
1,381 1,759
1,681
1071 1,223 1,669 1,040 568 745 1,280 1,447 1,932
85 150
3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14
----- End of picture text -----

  • 2012 年起數字依 IFRS 準則列示

29

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

中國地區租賃業務發展

==> picture [628 x 391] intentionally omitted <==

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

蘇州租賃公司 2014 年第一季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
307 316
262
226
19,026 17,196
10,798 856
5,103 5,474
2012 1Q13 1H13 3Q13 2013 1Q14
成都租賃公司 2014 年第一季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)
488
405
2012 年 1 月開業 322
305
217
130
7,618 7,298
6,052
3,236 122
(164)
2012 1Q13 1H13 3Q13 2013 1Q14
----- End of picture text -----

  • 蘇州租賃公司為第一銀行轉投資之孫公司

  • 成都租賃公司為第一金 AMC 轉投資之子公司

30

==> picture [720 x 7] intentionally omitted <==

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

附件

==> picture [720 x 42] intentionally omitted <==

第一金控綜合損益表

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

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

Full Year Results (TW-GAPP) Year-over-Year Comparison
Full YR Results(IFRS)		 Year-over-Year Comparison
Full YR Results(IFRS)		 Year-over-Year Comparison
Full YR Results(IFRS)		 Year-over-Year Comparison
Full YR Results(IFRS)		 Year-over-Year Comparison
Full YR Results(IFRS)		 Year-over-Year Comparison
Full YR Results(IFRS)		 Year-over-Year Comparison
Full YR Results(IFRS)		 Year-over-Year Comparison
Full YR Results(IFRS)

~~Change~~
~~2011~~
~~2012~~		 ~~2013~~
~~1Q13~~		 ~~1Q14~~
Interest
Less: In
Net intere
Net serv
Net Insu
Gain on
at fair
Gain on
Gain on
Income
Real est
Net gain
Others
Net non-in
Net revenu
Provision f
Reserve fo
Operating
Other exp
Income fro
Income ta
Income fro
Income fro
Cummulat
in accou
Consolidat
EPS1(NT$ Net inco
Minority		 income
terest expenses
st income
ice fee & commission
rance revenue
financial assets measured
value through P/L
AFS financial assets
HTM financial assets
from equity invest.
ate investment gain
on F/X
terest income
es
or credit losses
r insurance
expenses
enses
m continued op. before tax
x expenses
m continued op. after tax
m discountinued op., net of tax
ive effect of change
nting principle
ed net income
)
me attributable to parent
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
1.18
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		 25,932
6,310
6,632
1,462
688
197
859
1
88
24
315
30
97
26
1,368
390
3
0
484
105
36,466
8,545
(4,047)
(235)
(397)
(151)
(18,973)
(4,607)
13,049
3,552
(2,172)
(582)
10,877
2,970
1,262
1,109
12,139
4,079
10,889
2,963
(12)
7		 6,875
1,740
402
464
27
34
38
603
(5)
91
10,269
(836)
(310)
(4,846)
4,277
(622)
3,655		 9.0%
19.0%
104.1%
---
12.5%
13.3%
46.2%
54.6%
--
-13.3%
20.2%
255.7%
105.3%
5.2%
20.4%
6.9%
23.1%
Other Items
Comprehensive Income		 1,046
4,701		 -5.7%
15.2%
Net Income attributed to:
Parent
Minorityinterests		 3,660
(5)		 23.5%
--
Comprehensive Income attributed to:
Parent
Minorityinterests		 12,242
4,089
(104)
(10)		 4,703
(2)		 15.0%
-80.0%
EPS1(NT$) 1.26
0.34
0.42 23.5%

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

32

第一金控非合併損益表

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

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

2011
2012
2013
1Q13
1Q14
Change
8,857
10,641
11,112
3,058
3,784
23.7%
238
252
226
5
11
120.0%
9,095
10,893
11,339
3,063
3,795
23.9%
(992)
(291)
(12)
(6)
(5)
16.7%
(235)
(231)
(233)
(58)
(62)
-6.9%
(228)
(145)
(145)
(36)
(69)
-91.7%
7,641
10,226
10,949
2,963
3,659
23.5%
7,602
10,226
10,889
2,963
3,659
23.5%
0
0
0
0
0
--
7,602
10,226
10,889
2,963
3,659
23.5%
1.01
1.18
1.26
0.34
0.42
23.5%
Year-over-Year Comparison
Full Year Results		 2011
2012
2013
1Q13
1Q14
Change
8,857
10,641
11,112
3,058
3,784
23.7%
238
252
226
5
11
120.0%
9,095
10,893
11,339
3,063
3,795
23.9%
(992)
(291)
(12)
(6)
(5)
16.7%
(235)
(231)
(233)
(58)
(62)
-6.9%
(228)
(145)
(145)
(36)
(69)
-91.7%
7,641
10,226
10,949
2,963
3,659
23.5%
7,602
10,226
10,889
2,963
3,659
23.5%
0
0
0
0
0
--
7,602
10,226
10,889
2,963
3,659
23.5%
1.01
1.18
1.26
0.34
0.42
23.5%
Year-over-Year Comparison
Full Year Results		 2011
2012
2013
1Q13
1Q14
Change
8,857
10,641
11,112
3,058
3,784
23.7%
238
252
226
5
11
120.0%
9,095
10,893
11,339
3,063
3,795
23.9%
(992)
(291)
(12)
(6)
(5)
16.7%
(235)
(231)
(233)
(58)
(62)
-6.9%
(228)
(145)
(145)
(36)
(69)
-91.7%
7,641
10,226
10,949
2,963
3,659
23.5%
7,602
10,226
10,889
2,963
3,659
23.5%
0
0
0
0
0
--
7,602
10,226
10,889
2,963
3,659
23.5%
1.01
1.18
1.26
0.34
0.42
23.5%
Year-over-Year Comparison
Full Year Results		 2011
2012
2013
1Q13
1Q14
Change
8,857
10,641
11,112
3,058
3,784
23.7%
238
252
226
5
11
120.0%
9,095
10,893
11,339
3,063
3,795
23.9%
(992)
(291)
(12)
(6)
(5)
16.7%
(235)
(231)
(233)
(58)
(62)
-6.9%
(228)
(145)
(145)
(36)
(69)
-91.7%
7,641
10,226
10,949
2,963
3,659
23.5%
7,602
10,226
10,889
2,963
3,659
23.5%
0
0
0
0
0
--
7,602
10,226
10,889
2,963
3,659
23.5%
1.01
1.18
1.26
0.34
0.42
23.5%
Year-over-Year Comparison
Full Year Results
1Q13 1Q14 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$)		 3,058
5
3,063
(6)
(58)
(36)
2,963
2,963
0
2,963
0.34		 3,784
11
3,795
(5)
(62)
(69)
3,659
3,659
0
3,659
0.42		 23.7%
120.0%
23.9%
16.7%
-6.9%
-91.7%
23.5%
23.5%
--
23.5%
23.5%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

33

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

第一金控資產負債表

~~FFHC Balance Sheet Summary~~ in NT$ million or million shares

~~FFHC Balance Sheet Summary~~
in NT$ million or million shares
2011
2012
2013
1Q13
1Q14
Change
Full Year Results
Year-over-Year Comparison
1Q13 1Q14 Change
Non-consolidated Balance Sheet Data
Long-term investment
Total non-consolidated assets
Total liabilities		 127,331
137,633
145,469
135,716
141,300
151,546
8,999
9,156
10,817		 141,812
145,459
9,226		 150,291
156,738
11,306		 6.0%
7.8%
22.5%
Total shareholders' equity
Conolidated Balance Sheet Data
Total consolidated assets
Total liabilities
Total shareholders' equity
Parent's shareholders' equity
Minority interests
Current shares outstanding		 126,717
132,144
140,729
2,080,970
2,124,279
2,263,385
1,953,609
1,991,555
2,122,179
127,361
132,724
141,206
126,717
132,143
140,729
644
581
477
76,654
81,254
86,535		 136,233
2,147,634
2,010,831
136,803
136,232
571
81,254		 145,432
2,306,450
2,160,543
145,907
145,432
475
86,535		 6.8%
7.4%
7.4%
6.7%
6.8%
-16.8%
6.5%

*figures may not match due to rounding

34

第一金控主要財務比率

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

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

FFHC Key Ratios 2011
2012
2013
Full Year Results
Year-over-Year Comparison
1Q13 1Q14 Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.36%
0.48%
0.50%
6.38%
7.86%
7.94%
16.53
16.26
16.26
76,654
81,254
86,535
103.58%
104.15%
103.37%
123.00%
125.55%
123.04%
6.63%
6.48%
7.14%		 0.56%
8.80%
16.76
81,254
104.09%
126.26%
6.34%		 0.64%
10.20%
16.80
86,535
103.34%
123.76%
7.21%		 14.3%
15.9%
0.2%
6.5%
-0.7%
-2.0%
13.7%

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

  2. Updated semi-annually.

  3. Non-consolidated basis.

35

第一銀行損益表

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

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

第一銀行損益表
~~FB Comprehensive Income Statement Summary(Standalone)~~
bject to final Reviewed

in NT$ million or %
Full Year Results
2011
2012
2013
1Q13
1Q14
Change
Net revenue
Net interest income
20,761
23,003
Net interest income
24,865
6,064
6,601
8.9%
Net fee income
4,826
4,931
Net fee income
5,397
1,199
1,406
17.3%
Net gain on ST invest.
440
162
Net gain on ST invest.
76
(4)
7
--
Net gain on LT invest.
498
633
Net gain on LT invest.
711
76
115
51.3%
Net gain on other fin. products
2,581
2,141
Net gain on other fin. products
1,887
286
906
216.8%
Bad debts recovery
2,402
2,415
Other net income
(160)
51
(3)
--
Other net income
(584)
446
Net revenue
32,776
7,672
9,032
17.7%
Net revenue
30,924
33,731
Operating expenses
(16,269)
(3,953)
(4,087)
3.4%
Operating expenses
(15,482)
(15,730)
Pre-provisiion pre-tax profit
16,507
3,719
4,945
33.0%
Provision
(5,300)
(5,809)
Provision expense
(7,090)
(1,088)
(1,571)
44.4%
Income before tax
10,142
12,192
Adjustment: bad-debt recover
3,168
887
713
-19.6%
Income tax
(1,517)
(1,817)
Income before tax
12,584
3,518
4,087
16.2%
Income after tax
8,625
10,375
Income tax
(1,940)
(556)
(544)
-2.2%
Cummulative effect of change
0
0
Net income
10,645
2,962
3,543
19.6%
in accounting principle
Other items
1,165
1,040
816
-21.5%
Net income
8,625
10,375
Comprehensive income
11,810
4,002
4,359
8.9%
EPS
1.60
0.45
0.53
17.8%
staring from 2013, data are stated in accordance with IFRS, whereas FY2011-2012 are with ROC GAAP.
Full Year Results
Year-over-Year Comparison
  • staring from 2013, data are stated in accordance with IFRS, whereas FY2011-2012 are with ROC GAAP.

36

==> picture [180 x 31] 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
ROAA2
ROAE2		 2011
2012
2013
1Q13
1Q14
Change
1.41%
1.49%
1.55%
1.52%
1.55%
0.03%
1.10%
1.21%
1.26%
1.26%
1.28%
0.02%
50.06%
51.39%
49.63%
51.53%
45.25%
-6.28%
84.72%
89.49%
83.50%
88.51%
84.51%
-4.00%
0.47%
0.44%
0.47%
0.50%
0.28%
-0.22%
217.90%
248.97%
261.73%
233.17%
453.05%
219.88%
10.94%
11.51%
10.90%
11.44%
10.89%
-0.55%
8.28%
8.41%
8.31%
8.49%
8.52%
0.03%
0.43%
0.51%
0.50%
0.56%
0.64%
14.29%
8.12%
8.69%
8.35%
9.44%
10.59%
12.18%
Year-over-Year Comparison
Full Year Results		 2011
2012
2013
1Q13
1Q14
Change
1.41%
1.49%
1.55%
1.52%
1.55%
0.03%
1.10%
1.21%
1.26%
1.26%
1.28%
0.02%
50.06%
51.39%
49.63%
51.53%
45.25%
-6.28%
84.72%
89.49%
83.50%
88.51%
84.51%
-4.00%
0.47%
0.44%
0.47%
0.50%
0.28%
-0.22%
217.90%
248.97%
261.73%
233.17%
453.05%
219.88%
10.94%
11.51%
10.90%
11.44%
10.89%
-0.55%
8.28%
8.41%
8.31%
8.49%
8.52%
0.03%
0.43%
0.51%
0.50%
0.56%
0.64%
14.29%
8.12%
8.69%
8.35%
9.44%
10.59%
12.18%
Year-over-Year Comparison
Full Year Results		 2011
2012
2013
1Q13
1Q14
Change
1.41%
1.49%
1.55%
1.52%
1.55%
0.03%
1.10%
1.21%
1.26%
1.26%
1.28%
0.02%
50.06%
51.39%
49.63%
51.53%
45.25%
-6.28%
84.72%
89.49%
83.50%
88.51%
84.51%
-4.00%
0.47%
0.44%
0.47%
0.50%
0.28%
-0.22%
217.90%
248.97%
261.73%
233.17%
453.05%
219.88%
10.94%
11.51%
10.90%
11.44%
10.89%
-0.55%
8.28%
8.41%
8.31%
8.49%
8.52%
0.03%
0.43%
0.51%
0.50%
0.56%
0.64%
14.29%
8.12%
8.69%
8.35%
9.44%
10.59%
12.18%
Year-over-Year Comparison
Full Year Results
1Q14 Change
1.55%
1.28%
45.25%
84.51%
0.28%
453.05%
10.89%
8.52%
0.64%
10.59%		 0.03%
0.02%
-6.28%
-4.00%
-0.22%
219.88%
-0.55%
0.03%
14.29%
12.18%
  1. Loan to depoist ratio = total loan / total deposit

2. Annualized figures.

  1. Starting from 2013, net interest income, gains on Fin. Products and opt. expense will be re-classfied, figures adjusted accordingly.

37

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

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
1Q13
1Q14
Change
10,550
6,373
6,423
6,423
6,774
5.5%
(1,421)
3,493
5,341
1,051
(2,097)
-299.5%
(2,756)
(3,443)
(4,990)
(231)
(525)
127.3%
6,373
6,423
6,774
7,243
4,152
-42.7%
11,877
13,886
15,992
15,992
17,730
10.9%
4,825
5,705
6,693
1,063
1,549
45.7%
(2,756)
(3,443)
(4,990)
(231)
(525)
127.3%
(60)
(156)
35
65
59
9.2%
Year-over-Year Comparison
Full Year Result
1Q14 Change
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		 6,774
(2,097)
(525)
4,152
17,730
1,549
(525)
59		 5.5%
-299.5%
127.3%
-42.7%
10.9%
45.7%
127.3%
9.2%
Allowance for loan loss- ending
NPL ratio
Coverage ratio
General Provision Ratio
Tier 1 Asset Provision Ratio		 13,886
15,992
17,730
16,889
0.47%
0.44%
0.47%
0.50%
217.90%
248.97%
261.73%
233.17%
1.07%
1.17%
1.26%
1.25%
--
--
1.09%
1.01%		 18,813
0.28%
453.05%
1.34%
1.20%		 11.4%
-0.2%
219.9%
0.1%
0.2%
  1. Non-consolidated basis

38

第一金證券營運報告

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

==> 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
irs
n N		 t Se
T$
2011
2012
2013
1Q13
1Q14
Change
Year-over-Year Comparison
Full Year Results
1Q14
F
T		 irs
ota		 t Se
l ope		 c Income Statement Summary
rating income
Br
Ne
Un
Pr
Ot
To
ota
on
co
co
um
et i		 okera
t inte
derw
iciple
her o
tal o
l ope
-oper
me b
me ta
mula
ncom		 ge commission
rest income
riting commission
transaction gains, net
perating income
perating income
rating expenses
ating income
efore tax
x
tive effect of change in accounting principles
e		 804
659
683
Brokerage commission
152
408
282
297
Net interest income
64
43
79
76
Underwriting commission
18
(620)
100
292
Transaction gains through F/V, net
85
98
113
150
Other operating income
2
733
1,230
1,498
Total operating income
321
(1,476)
(1,388)
(1,410)
Total operating expenses
(315)
(14)
21
73
Non-operating income
19
(759)
(137)
161
Income before tax
25
(71)
16
(21)
Income tax
7
0
0
0
Cummulative effect of change in accou
0
(830)
(121)
140
Net income
32
First Sec Key Ratios
-11.78%
-1.90%
2.19%
ROAE (Annualized)
2.04%
-4.74%
-0.71%
0.80%
ROAA (Annualized)
0.80%
1.52%
1.62%
1.72%
Brokerage market share
1.65%
1.99%
1.99%
2.37%
Margin loan market share
2.20%		 197
80
4
198
2
481
(349)
12
144
(21)
0
123		 29.6%
25.0%
-77.8%
132.9%
0.0%
49.8%
10.8%
-36.8%
476.0%
--
--
284.4%
5.5%
1.9%
0.0%
0.2%
T
N
I		 ot
on

In
C
N
F
R
R
B
M
irs
OA
OA
rok
arg		 t Se
E (An
A (An
erag
in lo		 c Key Ratios
nualized)
nualized)
e market share
an market share		 7.56%
2.68%
1.69%
2.42%

39

第一金投信營運報告

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

FSITC Income Statement Summary in NT$ million or %
F
i		 SITC Income Statement Summary
n NT$ million or %
2011
2012
2013
1Q13
1Q14
Change
Full Yeart Result
Year-over-Year Comparison
1Q14 Change
T otal operating income
O
N
I
I
I
C
N		 Management fee
Sales service fee
Total operating income
perating expenses
on-operating income
ncome before tax
ncome tax
ncome after tax
ummulative effect of change in accounting principles
et income		 499
479
485
130
2
1
1
1
501
480
486
131
(375)
(358)
(370)
(112)
10
9
8
2
136
131
124
21
(24)
(22)
(21)
(4)
112
109
103
17
0
0
0
0
112
109
103
17		 118
1
119
(91)
5
33
(5)
28
0
28		 -9.2%
0.0%
-9.2%
-18.8%
150.0%
57.1%
25.0%
64.7%
--
64.7%
F
A
A		 y
SITC Key Ratios
UM
UM Ranking		 97,401
81,568
75,191
76,408
5
8
10
9		 71,983
12		 --
--
. Non-consolidated basis
  1. Non-consolidated basis

40

第一金人壽營運報告

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

First-Aviva Financial Results Summary in NT$ million or %
in NT$ million or %
2011
2012
2013
1Q13
1Q14
Change
4,993
7,333
10,330
2,773
2,974
7.2%
4,788
6,381
9,301
2,286
2,462
7.7%
23
42
82
16
25
56.3%
182
910
947
471
487
3.4%
(4,902)
(7,085)
(9,969)
(2,674)
(2,888)
8.0%
(6)
(10)
(13)
(3)
(4)
33.3%
(1,128)
(3,002)
(4,741)
(1,429)
(1,558)
9.0%
(3,595)
(3,825)
(4,864)
(1,169)
(1,222)
4.5%
(172)
(248)
(351)
(73)
(104)
42.5%
0
0
0
0
0
--
(359)
(364)
(385)
(86)
(96)
11.6%
(56)
(60)
(59)
(9)
(14)
55.6%
(287)
(300)
(304)
(72)
(76)
5.6%
(16)
(4)
(22)
(5)
(6)
20.0%
(268)
(116)
(24)
13
(10)
--
0
0
0
0
0
--
(268)
(116)
(24)
13
(10)
--
0
0
0
(1)
0
--
(268)
(116)
(24)
14
(10)
--
-18.82%
-9.29%
-2.21%
4.52%
-4.04%
--
-1.29%
-0.51%
-0.09%
0.20%
-0.12%
--
Year-over-Year Comparison
Full Year Result
1Q14
Income Statement Summary
Operating Revenue
Premium Income
Other insurance income
Net Investment Income
Operating Cost
Reinsurance commission
Reserves
Claims
Commission
Others
Operating Expenses
Sales related expenses
Management expenses
Other expense
Profit/Loss of Operation
Non-Operating Profit
Profit/Loss Before Tax
Income tax
Net Income after tax
Key Ratios
ROAE(Annualized ratio)
ROAA(Annualized ratio)		 4,993
7,333
10,330
2,773
4,788
6,381
9,301
2,286
23
42
82
16
182
910
947
471
(4,902)
(7,085)
(9,969)
(2,674)
(6)
(10)
(13)
(3)
(1,128)
(3,002)
(4,741)
(1,429)
(3,595)
(3,825)
(4,864)
(1,169)
(172)
(248)
(351)
(73)
0
0
0
0
(359)
(364)
(385)
(86)
(56)
(60)
(59)
(9)
(287)
(300)
(304)
(72)
(16)
(4)
(22)
(5)
(268)
(116)
(24)
13
0
0
0
0
(268)
(116)
(24)
13
0
0
0
(1)
(268)
(116)
(24)
14
-18.82%
-9.29%
-2.21%
4.52%
-1.29%
-0.51%
-0.09%
0.20%		 2,974
2,462
25
487
(2,888)
(4)
(1,558)
(1,222)
(104)
0
(96)
(14)
(76)
(6)
(10)
0
(10)
0
(10)
-4.04%
-0.12%
* FFHC claims 51% of First-Aviva operatingresults.
  • FFHC claims 51% of First-Aviva operating results.

41

More from First Financial Holding Co. Ltd.

AGM Information 2026
Jun 30
Board/Management Information 2026
Jun 29
Capital/Financing Update 2026
Jun 26
Board/Management Information 2026
Jun 25
Capital/Financing Update 2026
Jun 25
AGM Information 2026
Jun 24
Board/Management Information 2026
Jun 23
Board/Management Information 2026
Jun 22
Capital/Financing Update 2026
Jun 22
Governance Information 2026
Jun 18
View all filings →