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 2015

Aug 27, 2015

52222_rns_2015-08-27_b40e9bbf-217a-4e0f-b614-821570c8ee02.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 2015 年上半年營運報告

Aug. 27, 2015

==> picture [720 x 233] intentionally omitted <==

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

- 2015 年上半年業務摘錄

  • 財務資料

  • 營運成果

  • - 附件

3

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

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

2015年上半年業務摘錄

==> picture [720 x 27] intentionally omitted <==

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

– 2015上半年 邁向下階段市場循環

- 2015 上半年表現穩定

， 集團之盈餘在穩健的成長趨勢中維持擴張 主要來自較預期為佳之核心獲利 與中小企業與外幣放款量，在總體經濟環境受到影響下仍維持不墜。

  • 國內現金增資計劃：預訂於 2015 年第三季完成

擬透過公開募集方式，辦理國內現金增資發行普通股16億股，預訂 募集約新台幣235.2億元資本，時程則訂定於今年第三季完成

， 充足銀行子公司第一類資本水準達 10.8% 邁向下階段市場循環 ， 解決銀行資本適足率、專注在追求獲利及提升ROE以及更開放的購併態度 為迎接下階段市場循環及挑戰作好準備

5

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

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

2015年上半年財務資料

==> picture [720 x 27] intentionally omitted <==

2015 年上半年主要財務數字

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

經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
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
1H15
8,1081
6,566
2,386,009
0.82
15.62
98,611
10.50%
0.68%
132.75%
108.47%
YoY %
-1.2%
-27.8%
2.1%
-1.2%
-0.6%
6.5%
-8.1%
-5.6%
9.5%
2.3%
1H14
8,205
9,099
2,336,669
0.83
15.71
92,593
11.42%
0.72%
121.24%
105.98%
1H15獲利組合1( in NT$ mn) 經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
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
1H15
8,1081
6,566
2,386,009
0.82
15.62
98,611
10.50%
0.68%
132.75%
108.47%
YoY %
-1.2%
-27.8%
2.1%
-1.2%
-0.6%
6.5%
-8.1%
-5.6%
9.5%
2.3%
1H14
8,205
9,099
2,336,669
0.83
15.71
92,593
11.42%
0.72%
121.24%
105.98%
銀行
NT$7,896; 97.4%
證券
NT$129; 1.6%
投信
NT$78; 1.0%
其他
NT$9; 0.0%
保險
NT$(8); 0.0%
AMC
NT$4; 0.0%

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. 2014[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]

7

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

2015年上半年營運成果

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

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

2015 年上半年合併淨利與綜合損益 (in NT$ mn)
信用成本 246
保險準備 702
948
(10,632)
19,325
(1,533)
8,108 6,566
(1,542)
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
2014 年上半年合併淨利與綜合損益 (in NT$ mn)
信用成本 (1,310)
保險準備 ( 404)
20,949
(1,714)
(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
----- End of picture text -----

8

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

2015年上半年主要子公司*獲利表現 - 稅後淨利

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

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

2015 年上半年稅後淨利 -- 主要子公司 (in NT$ mn)
↓ 1.2%
↑4.9%
7,896 8,108
第一金控 (4)
第一金人壽 (4)
129 78 (8) 4
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
2014 年上半年稅後淨利 -- 主要子公司 (in NT$ mn)
8,205
7,527
第一金控 (2)
第一金人壽 (2)
216
219 52 (4)
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 5 家子公司獲利 .

9

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

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

2015年上半年營運成果

==> picture [720 x 27] 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
10.20% 11.42% 10.73% 10.52% 10.50%
8.80% 9.48% 9.13% 9.53%
7.73% 7.94%
14,078
10,118 9,293 10,877 8,205 11,705 8,108
6,361
2,970 3,655 4,109
2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14 2014 3M 15 6M 15
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
9.44% 9.84% 9.49% 10.60% 11.10% 10.60% 9.40% 10.56% 10.32%
8.58% 8.35%
13,381
10,375 10,645 10,936
8,977
7,527 7,896
6,144
2,962 3,543 4,100
2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14 2014 3M 15 6M 15
----- End of picture text -----

  1. 含少數股權

11

一銀 2015年上半年稅前獲利

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

==> picture [633 x 398] intentionally omitted <==

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

|||||||||
|---|---|---|---|---|---|---|---|
|1H15|累積淨收益|(in NT$ mn or %)|
|一銀淨收益佔比分析|(in %)|
|項目|1H14|1H15|Change|
|淨利收|72.8%|74.4%|+1.6%|
|淨手續費收益|16.0%|18.8%|+2.8%|
|18,288|18,205|
|投資收益|/|短投|0.2%|0.1%|-0.1%|
|投資收益|/|長投|1.1%|0.1%|-1.0%|
|-0.5%|
|投資收益|/|其他金融商品|9.5%|5.2%|-4.3%|
|其他|0.4%|1.4%|+1.0%|
|淨收益|100.0%|100.0%|
|1H14|1H15|
|呆帳費用|z|[1 ]|-14.3%|-5.8%|-8.5%|
|調整|:|呆帳回收|+7.5%|+7.4%|-0.1%|
|累積淨收益|
|營業費用|-45.5%|-49.8%|+4.3%|
|稅前獲利|47.7%|51.8%|+4.1%|
|2015|年上半年一銀|淨收益|&|費用比較|(in NT$ mn )|
|13,313|13,542|↑1.7%|
|↑8.9%|
|9,057|
|8,320|
|↑17.1%|↓ 59.7%|
|↓ 50.2%|
|↓3.3%|
|↓32.8% 2,931|3,432|1,964|979|2,621|1,057|1,382|1,336|
|1H14 1H15 1H14 1H15 1H14 1H15 1H14 1H15 1H14 1H15 1H14 1H15|
|淨利收|淨手收|投資收益|呆帳費用|[1 ]|呆帳回收|營業費用|

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

  1. 毛呆帳費用

12

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

一銀 2015年上半年 總放款結構

1H15 1H15 總放款1 (in NT$ bn or %)
1,467.2
1,428.4
1H14 1H15
總放款1
-2.6%		 總放款1 (in NT$ bn or %)
1,467.2
1,428.4
1H14 1H15
總放款1
-2.6%		 總放款1 (in NT$ bn or %)
1,467.2
1,428.4
1H14 1H15
總放款1
-2.6%		 總放款1 (in NT$ bn or %)
1,467.2
1,428.4
1H14 1H15
總放款1
-2.6%
項目
1H14
1H15
Change
消金放款
28.0%
28.7%
+0.7%
房貸
26.7%
27.2%
+0.5%
其他消費貸款
1.3%
1.5%
+0.2%
法金放款
72.0%
71.3%
-0.7%
企業放款
47.2%
48.1%
+0.9%
---_中小企業
38.4%
40.2%
+1.8%
外幣放款
21.6%
22.4%
+0.8%
---_海外分行
10.2%
11.4%
+1.2%
政府及公營事業放款
3.2%
0.8%
-2.4%
-2.4%
總放款1
100.0%
100.0%
392.2
18.5
46.3
388.9
21.7
10.7
319.9
692.7
317.5
687.2
1H141H15 1H141H15 1H141H15 1H141H15 1H14 1H15
↓0.8%
↑ 0.8%
↓76.9%
1H15總放款1 佔比 (in NT$ bn )
房貸
其他消費性貸款
政府及公營事業放款
企業放款
外幣放款
中小企2
562.7
中小企2
573.8
海外
149.4
中小企業
↑2.0%
海外
162.6
海外
↑ 8.8%
↑ 17.3%
↓0.8%

  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

13

==> 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) 一銀放款成長 (in NT$ bn) QoQ% YoY%
+0.1%
-0.8%
+4.3%
+17.3%
-4.2%
-12.8%
+0.9%
+2.0%
+0.3%
+0.8%
-71.7%
-76.9%		 QoQ% YoY%
+0.1%
-0.8%
+4.3%
+17.3%
-4.2%
-12.8%
+0.9%
+2.0%
+0.3%
+0.8%
-71.7%
-76.9%		 QoQ% YoY%
+0.1%
-0.8%
+4.3%
+17.3%
-4.2%
-12.8%
+0.9%
+2.0%
+0.3%
+0.8%
-71.7%
-76.9%
72.4
46.3
~~41.9~~
~~38.5~~
~~37.8~~
~~10.7~~
306.4
317.5
330.9
334.9
319.1
319.9
538.8
562.7
571.9
585.5
568.5
573.8
139.7
130.0
133.0
132
118.4
113.4
17.0
18.5
19.6
21.0
20.8
21.7
391.8
392.2
391.1
391.5
388.5
388.9
1Q14
2Q14
3Q14
4Q14
1Q15
2Q15
政府公營
中小企
房貸
企業放款1
1466.0
1467.2
1488.4
1503.4
1453.0
1428.4
外幣放款
總放款
其他消費者放款
大企業		 QoQ% YoY%
+0.1%
-0.8%
+4.3%
+17.3%
-4.2%
-12.8%
+0.9%
+2.0%
+0.3%
+0.8%
-71.7%
-76.9%
+0.1% -0.8%
+4.3% +17.3%
113.4
21.7
-4.2%
-12.8%
573.8
+0.9% +2.0%
~~107~~
319.9		 +0.3% +0.8%
-71.7% -76.9%
1Q14
2Q14
3Q14
4Q14
1Q15		 ~~.~~
2Q15
  1. 企業放款含中小企業放款

14

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

一銀存放比、利差與淨利息收益率

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

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

總放款 [1] & 存放比 [2] (in NT$ bn or % ) 總放款 [1 ] 存放比 [2 ]
88.51% 88.29%
86.54%
84.51% 84.49%
83.50% 83.48% 83.03%
80.21%
78.55%
1,437.3 1,449.2 1,447.7 1,439.9 1,470.6 1,470.9 1,491.8 1,507.1 1,456.2 1,431.1
1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15
△
存放利差 / 淨利息收益率 (NIM) ( in % ) 存放利差 [3 ] NIM [3 ]
1.60% 1.62%
1.52% 1.53% 1.54% 1.55% 1.55% 1.55% 1.55% 1.55%
1.26% 1.26% 1.26% 1.26% 1.28% 1.28% 1.28% 1.28% 1.29% 1.28%
1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15
----- 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

15

==> 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 % )
利差 (NTD)
存款利率 (NTD) 放款利率 (NTD)
1.60%
1.59% 1.59%
1.56%
1.52% 1.52%
2.13% 2.12% 2.16% 2.20% 2.18% 2.18%
0.61% 0.60% 0.60% 0.60% 0.59% 0.59%
1Q14 2Q14 3Q14 4Q14 1Q15 2Q15
一銀外幣利差及成本分析 ( in % ) 存款利率 (FX) 放款利率 (FX)
1.65% 1.67% 利差 (FX) 1.65% 1.72%
1.59%
1.45%
2.52% 2.65% 2.51% 2.52% 2.57%
2.29%
0.87% 0.98% 0.92% 0.84% 0.88% 0.85%
1Q14 2Q14 3Q14 4Q14 1Q15 2Q15
----- End of picture text -----

  • 以上利率均為 季度加權平均數字

16

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

一銀特定產業貸放集中度

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

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

2015 年上半年 - 特定貸放產業佔比
6.03% 11.93%
11.55%
5.18%
5.54% 製造業 ; 26.90%
7.71% 1H15
總放款餘額 * 5.87% 塑化
金屬
3.27%
$1,529 bn 科技
3.76% 機械
其他製造
6.55% 私人放款 ( 含房貸 )
建築營造
不動產
批發零售
32.61%
運輸
其他
----- End of picture text -----

  • 總放款不含催收款 .

17

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

一銀房貸分析

2015年上半年底房貸--依地區別 (in %)
地區
1H15
北部
大台北都會
70%
54%
桃竹苗
16%
中部
11%
大台中
南部
15%
台南/高雄
東部
4%
總計
100.0%
地區
1H15
北部
大台北都會
70%
54%
桃竹苗
16%
中部
11%
大台中
南部
15%
台南/高雄
東部
4%
總計
100.0%
地區
1H15
北部
大台北都會
70%
54%
桃竹苗
16%
中部
11%
大台中
南部
15%
台南/高雄
東部
4%
總計
100.0%
近一年各月份新承作房貸金額 (in NT$mn)
6M14
7M14
8M14
9M14
10M14
11M14
12M14
1M15
2M15
3M15
4M15
5M15
6M15

18

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

一銀2015年上半年淨手續費結構

一銀2 一銀2 一銀2 一銀2 一銀2 一銀2 一銀2
1H15累積淨手續費收益 (in NT$ mn or %) 項目
1H14
1H15
Change
財富管理1
48.4%
55.7%
+7.3%
外幣
15.9%
12.9%
-3.0%
其他
13.6%
11.4%
-2.2%
放款相關
15.6%
13.8%
-1.8%
信用卡
6.5%
6.2%
-0.3%
累積淨手續費收益
100.0%
100.0%
累積淨手續費收益佔比
2,931
3,432
1H14
1H15
+17.1%
淨手續費收益
項目
1H14
1H15
Change
財富管理1
48.4%		 55.7% +7.3%
外幣
15.9%		 12.9% -3.0%
其他
13.6%		 11.4% -2.2%
放款相關
15.6%		 13.8% -1.8%
信用卡
6.5%		 6.2% -0.3%
累積淨手續費收益
100.0%
100.0%
1H15累積淨手續費收益佔比 ( in NT$ mn )

  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

19

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

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)
1,842
1,705 QoQ% +15.9%
1,525 1,554 1,590
1,406
淨手續費收益
196
248 106
其他 * 197 100 206 195 229
106
信用卡手收 203 100 95
237
214 258
外匯手收 91 243 237
223 250 96
216
放款手收 221
232
224 100 91 QoQ +24.6%
91
保管手收 93
84 957
770 704 768 基金銷售 &
基金 & 銀行 581 660 銀行保險手收
保險手收 財管
手收
1Q14 2Q14 3Q14 4Q14 1Q15 2Q15
----- 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

20

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

一銀 2015年上半年海外業務盈餘

==> picture [648 x 429] intentionally omitted <==

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

1H15 一銀海外分行稅前獲利分析 ( in NT$ mn or % ) 2015 年上半年 一銀全行稅前獲利分析 ( in NT$ mn or %)
7.8% 稅前獲利
9.7%
44.9% OBU $9,427 mn
上海
成都 國內市場 ;
60.6%
1H15 廈門
Overseas
澳門
15.2% $3,712 mn
香港
北美
其他海外地區 ; 大中華 ; 26.5%
東協 12.9%
11.2% 6.4%
1.0% 1.9% 其他
1.9%
季度海外地區稅前獲利佔比分析 (in NT$ 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% 44.8% 37.5% 39.4%
28.8%
4,642 3,967 4,873 4,554
4,087
3,166
1,675
1,447 1,932 1,910 1,725 1,545 1,829 1,883
4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15
----- End of picture text -----

21

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

一銀2015年上半年營業費用比率

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

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

||||||||
|---|---|---|---|---|---|---|
|1H15|一銀營業費用|(in NT$ mn )|營業費用比率分析|( in NT$ mn)|
|*|所得稅率調高|3%|項目|1H14|1H15|
|9,057|
|淨收益|18,288|18,205|
|營業費用|(8,320)|(9,057)|
|8,320|+8.9%|
|呆帳費用|(|淨|)|(1,239)|279|
|所得稅|(1,202)|(1,531)|
|1H14 1H15|
|淨利|7,527|7,896|
|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|
|49.63%|49.75%|
|47.27%|47.86%|
|45.25%|45.49%|45.39%|
|9,956|
|9,032|9,256|9,276|9,202|9,003|
|8,288|
|4,176|4,087|4,232|4,501|4,916|4,404|4,653|
|4Q13|1Q14|2Q14|3Q14|4Q14|1Q15|2Q15|

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

  • 營業所得稅調高每月約增加 8,000 萬營業費用

22

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

一銀2015年上半年資產品質

==> picture [633 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 (loss reserve against performing loan)
767.32%
覆蓋率 放款覆蓋率 (LLR), 排除政府放款 680.71% 710.06%
521.72% 504.28%
453.05%
261.73%
1.26% 1.34% 1.31% 1.37% 1.37% 1.39% 1.36%
1.09% 1.09% 1.19% 1.26% 1.24% 1.26% 1.18%
逾放比 逾放 呆帳提存準備
0.47%
0.28%
0.24% 0.26%
0.20% 0.19% 0.18%
17,730 18,813 18,637 19,933 20,089 19,699 19,337
6,774
4,152 3,572 3,953 2,951 2,774 2,520
2013 3M14 6M14 9M14 2014 3M15 6M15
----- 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 %)
Individual Large Corp.
Mortagge SME
0.22%
0.20%
0.20% 0.22% 0.45%
0.19% 0.39% 0.35%
0.18% 0.31% 0.31%
0.19% 0.19%
0.17% 0.17% 0.09% 0.26%
0.03% 0.02% 0.00%
2Q14 3Q14 4Q14 1Q15 2Q15 2Q14 3Q14 4Q14 1Q15 2Q15
國內放款逾放比率 (in %) 海外放款逾放比率 (in %)
Domestic Overseas
0.30%
0.25%
0.21% 0.20% 0.20% 0.23%
0.13% 0.14%
0.08% 0.09%
2Q14 3Q14 4Q14 1Q15 2Q15
2Q14 3Q14 4Q14 1Q15 2Q15
----- 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 <==

一銀 2015年上半年 新增逾放與呆帳收回

0.00%
0.00%
0.15%
676
525
1,169
2,710
(2,097)
589
2,695
183
3Q13
4Q13
1Q14
2Q14
季度新增逾放 與 轉銷數 ( in NT$ mn)
季度新增逾放 (in NT$ mn）
季度新增逾放
3Q14
4Q14
1Q15
2Q15
---國內
1,140
39
426
484
---海外
11
200
404
(19)
小計
1,151
239
830
465		 0.09%
0.00%
0.07%
770
1,241
1,007
719
239
830
465
1,151
3Q14
4Q14
1Q15
2Q15
轉銷數
新增逾放
季度呆帳收回 (in NT$ mn)
季度呆帳收回
3Q14
4Q14
1Q15
2Q15
---國內
486
216
651
484
---海外
26
102
115
57
---信用卡
14
14
15
15
小計
526
332
781
556
季度新增逾放 (in NT$ mn）
季度新增逾放
3Q14
4Q14
1Q15
2Q15
---國內
1,140
39
426
484
---海外
11
200
404
(19)
小計
1,151
239
830
465		 季度呆帳收回 (in NT$ mn)
季度呆帳收回
3Q14
4Q14
1Q15
2Q15
---國內
486
216
651
484
---海外
26
102
115
57
---信用卡
14
14
15
15
小計
526
332
781
556
季度新增逾放
3Q14
4Q14
1Q15
2Q15
---國內
1,140
39
426
484
---海外
11
200
404
(19)
季度呆帳收回
3Q14
4Q14
1Q15
2Q15
---國內
486
216
651
484
---海外
26
102
115
57
---信用卡
14
14
15
15
小計
1,151
239
830
465
小計
526
332
781
556
0.00%
0.00%
0.15%
676
525
1,169
2,710
(2,097)
589
2,695
183
3Q13
4Q13
1Q14
2Q14
季度新增逾放 與 轉銷數 ( in NT$ mn)
(2,097)
3Q13
4Q13
1Q14
2Q14

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 (in %)
CAR
132.75%
125.55% 125.34%
123.00% 123.04%
121.24%
119.40%
117.05%
115.14%
statutory CAR 100%
一銀資本適足率與第一類資本 (in %)
CAR
12.27%
11.51% 11.50%
10.94% 11.03% 10.90% 10.88%
10.14% 10.44%
Tier 1
9.45%
8.28% 8.23% 8.41% 8.34% 8.31% 8.64% 9.02%
6.82%
1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14 1H15
1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14 1H15
----- 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

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

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

附件

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

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

第一金控綜合損益表

FFHC Consolidated Statement of Comprehensive Income (in NT$ million or %)
TW-GAPP IFRSs Year-over-Year Comparison
2012 2013
2014
25,932
28,278
6,632
7,428
688
(6,533)
859
1,373
88
172
315
417
97
(26)
1,368
2,172
3
(6)
484
911
36,466
34,186
(4,047)
(4,015)
(397)
7,101
(18,973)
(20,789)
13,049
16,483
(2,172)
(2,405)
10,877
14,078
1,262
3,420
12,139
17,497
10,889
14,085
(12)
(7)
12,242
17,542
(104)
(45)
1.18
1.52		 1H14 1H15 Change
Interest
Less: In
Net intere
Net ser
Net Ins
Gain on
at fair
Gain on
Gain on
Income
Real es
Net gai
Others
Net non-in
Net reven
Provision
Reserve fo
Operating
Other exp
Income fro
Income ta
Income fro
Income fro
Cummulat
in accou
Consolida
EPS1(NT$ Net inc
Minority		 income
terest expenses
st income
vice fee & commission
urance revenue
financial assets measured
value through P/L
AFS financial assets
HTM financial assets
from equity invest.
tate investment gain
n on F/X
terest income
ues
for 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
ted net income
)
ome attributable to parent
interests		 36,544
(12,422)
24,122
5,954
695
1,363
360
0
256
0
651
3,258
12,537
36,659
(5,890)
(656)
(18,084)
0
12,029
(1,911)
10,118
0
0
10,118
1.25
10,174
(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		 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		 14,011
4,121
(335)
779
102
200
(474)
346
3
572
19,325
246
702
(10,632)
9,641
(1,533)
8,108		 0.7%
14.1%
--
-39.9%
-28.7%
34.2%
--
-42.3%
--
15.6%
-7.8%
--
--
8.1%
2.5%
28.1%
-1.2%
Other Items
Comprehensive Income		 894
9,099		 (1,542)
6,566		 -272.5%
-27.8%
Net Income attributed to:
Parent
Minorityinterests		 8,207
(2)		 8,112
(4)		 -1.2%
--
Comprehensive Income attributed to:
Parent
Minorityinterests		 9,103
(4)		 6,614
(48)		 -27.3%
1100.0%
EPS1(NT$)
0.83 0.82 -1.2%

Note: Data		 from 2013 are stated in accordance with IFRS, whereas prior years are with ROC GAAP. The same basis applied to all appendix pages.

Note: Data from 2013 are stated in accordance with IFRS, whereas prior years are with ROC GAAP. The same basis applied to all appendix pages.

28

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 %

in NT$ million, NT$, or %
Full Year Results Year-over-Year Comparison
2012 2013 2014 1H14 1H15 Change
Operating revenues
Income from long-term investment 10,641 11,112 13,904 8,096 8,141 0.6%
Other income1 252 226 289 226 175 -22.6%
Total revenues 10,893 11,339 14,194 8,322 8,316 -0.1%
Loss from long-term investment (291) (12) (8) (2) (4) 100.0%
Operating expenses (231) (233) (264) (133) (140) 5.3%
Other expenses and losses (145) (145) (159) (135) (101) -25.2%
Income from continued op. before tax 10,226 10,949 13,763 8,052 8,071 0.2%
Income from continued po. after tax 10,226 10,889 14,085 8,207 8,112 -1.2%
Income from discontinued op., net of tax 0 0 0 0 0 --
Net income 10,226 10,889 14,085 8,207 8,112 -1.2%
EPS2(NT$) 1.18 1.18 1.52 0.83 0.82 -1.2%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

29

==> 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

2012
2013
2014
1H14
1H15
Change
137,633
145,469
167,888
154,203
167,127
8.4%
141,300
151,546
172,071
159,493
170,264
6.8%
9,156
10,817
18,126
13,988
16,187
15.7%
132,144
140,729
153,945
145,505
154,077
5.9%
2,124,279
2,263,385
2,355,709
2,336,669
2,386,009
2.1%
1,991,555
2,122,179
2,201,332
2,190,691
2,231,548
1.9%
132,724
141,206
154,377
145,978
154,461
5.8%
132,143
140,729
153,945
145,505
154,078
5.9%
581
477
432
473
383
-19.0%
81,254
86,535
92,593
92,593
98,611
6.5%
Year-over-Year Comparison
Full Year Results		 2012
2013
2014
1H14
1H15
Change
137,633
145,469
167,888
154,203
167,127
8.4%
141,300
151,546
172,071
159,493
170,264
6.8%
9,156
10,817
18,126
13,988
16,187
15.7%
132,144
140,729
153,945
145,505
154,077
5.9%
2,124,279
2,263,385
2,355,709
2,336,669
2,386,009
2.1%
1,991,555
2,122,179
2,201,332
2,190,691
2,231,548
1.9%
132,724
141,206
154,377
145,978
154,461
5.8%
132,143
140,729
153,945
145,505
154,078
5.9%
581
477
432
473
383
-19.0%
81,254
86,535
92,593
92,593
98,611
6.5%
Year-over-Year Comparison
Full Year Results		 2012
2013
2014
1H14
1H15
Change
137,633
145,469
167,888
154,203
167,127
8.4%
141,300
151,546
172,071
159,493
170,264
6.8%
9,156
10,817
18,126
13,988
16,187
15.7%
132,144
140,729
153,945
145,505
154,077
5.9%
2,124,279
2,263,385
2,355,709
2,336,669
2,386,009
2.1%
1,991,555
2,122,179
2,201,332
2,190,691
2,231,548
1.9%
132,724
141,206
154,377
145,978
154,461
5.8%
132,143
140,729
153,945
145,505
154,078
5.9%
581
477
432
473
383
-19.0%
81,254
86,535
92,593
92,593
98,611
6.5%
Year-over-Year Comparison
Full Year Results		 2012
2013
2014
1H14
1H15
Change
137,633
145,469
167,888
154,203
167,127
8.4%
141,300
151,546
172,071
159,493
170,264
6.8%
9,156
10,817
18,126
13,988
16,187
15.7%
132,144
140,729
153,945
145,505
154,077
5.9%
2,124,279
2,263,385
2,355,709
2,336,669
2,386,009
2.1%
1,991,555
2,122,179
2,201,332
2,190,691
2,231,548
1.9%
132,724
141,206
154,377
145,978
154,461
5.8%
132,143
140,729
153,945
145,505
154,078
5.9%
581
477
432
473
383
-19.0%
81,254
86,535
92,593
92,593
98,611
6.5%
Year-over-Year Comparison
Full Year Results
1H14 1H15 Change
Non-consolidated Balance Sheet Data
Long-term investment
Total non-consolidated assets
Total liabilities
Total shareholders' equity
Conolidated Balance Sheet Data
Total consolidated assets
Total liabilities
Total shareholders' equity
Parent's shareholders' equity
Minority interests
Current shares outstanding		 154,203
159,493
13,988
145,505
2,336,669
2,190,691
145,978
145,505
473
92,593		 167,127
170,264
16,187
154,077
2,386,009
2,231,548
154,461
154,078
383
98,611		 8.4%
6.8%
15.7%
5.9%
2.1%
1.9%
5.8%
5.9%
-19.0%
6.5%

*figures may not match due to rounding

30

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

第一金控主要財務比率

==> picture [624 x 342] intentionally omitted <==

31

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 Comrehensive Income Statement Summar(Standalone)
bject to final Reviewed
p y
NT$ million or %
TW-GAPP
2012
2013
2014
1H14
1H15
Change
revenue
et interest income
23,003
Net interest income
24,865
27,138
13,313
13,542
1.7%
et fee income
4,931
Net fee income
5,397
6,190
2,931
3,432
17.1%
et gain on ST invest.
162
Net gain on ST invest.
76
(151)
29
9
-69.0%
et gain on LT invest.
633
Net gain on LT invest.
711
666
207
17
-91.8%
et gain on other fin. products
2,141
Net gain on other fin. products
1,887
3,496
1,728
953
-44.8%
ad debts recovery
2,415
Other net income
(160)
181
80
252
215.0%
ther net income
446
Net revenue
32,776
37,520
18,288
18,205
-0.5%
et revenue
33,731
Operating expenses
(16,269)
(17,736)
(8,320)
(9,057)
8.9%
rating expenses
(15,730)
Pre-provisiion pre-tax profit
16,507
19,784
9,968
9,148
-8.2%
vision
(5,809)
Provision expense
(7,090)
(6,161)
(2,621)
(1,057)
-59.7%
me before tax
12,192
Adjustment: bad-debt recovery
3,168
2,240
1,382
1,336
-3.3%
come tax
(1,817)
Income before tax
12,584
15,862
8,729
9,427
8.0%
me after tax
10,375
Income tax
(1,940)
(2,481)
(1,202)
(1,531)
27.4%
mulative effect of change
0
Net income
10,645
13,381
7,527
7,896
4.9%
accounting principle
Other items
1,165
3,242
604
(1,116)
-284.8%
income
10,375
Comprehensive income
11,810
16,623
8,131
6,780
-16.6%
EPS
1.44
1.81
0.99
1.01
0.02
ing from 2013, data are stated in accordance with IFRSs, whereas 2012 are with ROC GAAP.
Year-over-Year Comparison
IFRSs
  • starting from 2013, data are stated in accordance with IFRSs, whereas 2012 are with ROC GAAP.

32

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

第一銀行主要財務比率

==> picture [576 x 396] intentionally omitted <==

33

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

第一銀行放款品質

F ~~B NPL Migration~~ in NT$ million or %

i
N		 ~~graon~~
T$ million or %		 ~~graon~~
T$ million or %		 ~~graon~~
T$ million or %		 ~~graon~~
T$ million or %		 ~~graon~~
T$ million or %
2012
2013
2014
6,373
6,423
6,774
3,493
5,341
(118)
(3,443)
(4,990)
(3,705)
6,423
6,774
2,951
13,886
15,992
17,730
5,705
6,693
5,863
(3,443)
(4,990)
(3,705)
(156)
35
201
15,992
17,730
20,089
0.44%
0.47%
0.20%
248.97%
261.73%
680.71%
1.17%
1.26%
1.37%
--
1.09%
1.24%
Full Year Results		 Q1
Q2
1H14
1H15
Change
2,951
2,774
6,774
2,951
-56.4%
830
465
(1,508)
1,295
--
(1,007)
(719)
(1,694)
(1,726)
1.9%
2,774
2,520
3,572
2,520
-29.5%
20,089
19,699
17,730
20,089
13.3%
683
320
2,602
1,003
-61.5%
(1,007)
(719)
(1,694)
(1,726)
1.9%
(66)
37
(1)
(29)
2800.0%
19,699
19,337
18,637
19,337
3.8%
0.28%
0.18%
0.24%
0.18%
-0.1%
453.05%
767.32%
521.72%
767.32%
245.6%
1.34%
1.36%
1.31%
1.36%
0.0%
1.20%
1.18%
1.19%
1.18%
0.0%
Year-over-Year Comparison
2015 Quarterly
1H15 Change
N
N
A		 PL
Ne
Ne
PL
llo
Pr
Ne
Ot
llo
PL
ove
en
ier		 - beginning
t new NPL influx
t write-offs
- ending balance
wance for loan loss- beginning
ovisions for loan loss
t write-offs
hers
wance for loan loss- ending
ratio
rage ratio
eral Provision Ratio
1 Asset Provision Ratio		 2,951
1,295
(1,726)
2,520
20,089
1,003
(1,726)
(29)
19,337
0.18%
767.32%
1.36%
1.18%		 -56.4%
--
1.9%
-29.5%
13.3%
-61.5%
1.9%
2800.0%
3.8%
-0.1%
245.6%
0.0%
0.0%

A
N
C
G
T
1. No n-consolidated basis
  1. Non-consolidated basis

34

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
Se
T$ m
Year-over-Year Comparison
2012
2013
2014
1H14
659
683
803
Brokerage commission
414
282
278
335
Net interest income
164
79
76
38
Underwriting commission
8
100
277
187
Transaction gains through F/V, net
333
113
25
63
Other operating income
(12)
1,230
1,339
1,426
Total operating income
907
(1,388)
(1,275)
(1,367)
Total operating expenses
(695)
21
93
54
Non-operating income
40
(137)
156
114
Income before tax
252
16
(17)
(40)
Income tax
(33)
0
0
0
Cummulative effect of change in
0
accounting principles
(121)
140
74
Net income
219
First Sec Key Ratios
-1.90%
2.19%
1.14%
ROAE (Annualized)
6.66%
-0.71%
0.80%
0.40%
ROAA (Annualized)
2.28%		 1H15 Change
-12.6%
6.1%
287.5%
-12.6%
866.7%
-18.2%
-0.7%
102.5%
-47.2%
-87.9%
--
-41.1%
-41.1%
-43.9%
F
T
T
N
In
In
C
a
N
F
R
R		 irs
otal
Bro
Ne
Un
Pri
Oth
Tot
otal
on-
com
com
um
cco
et in		 t Se
opera
kerag
t inter
derwr
ciple t
er op
al op
opera
opera
e be
e tax
mulat
untin
com		 c Income Statement Summary
ting income
e commission
est income
iting commission
ransaction gains, net
erating income
erating income
ting expenses
ting income
fore tax

ive effect of change in
g principles
e		 362
174
31
291
(116)
742
(690)
81
133
(4)
0
129
irs
OAE
OAA		 t Se
(Ann
(Ann		 c Key Ratios
ualized)
ualized)		 3.92%
1.28%
B
M		 roke
argi		 rage
n loa		 market share
n market share		 1.62%
1.72%
1.57%
Brokerage market share
1.66%
1.99%
2.37%
2.41%
Margin loan market share
2.42%		 1.52% -8.4%
2.5%
2.48%

35

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 %
2012
2013
2014
1H14
1H15
Change
otal operating income
Management fee
479
485
513
249
249
0.0%
Sales service fee
1
1
1
1
1
0.0%
Total operating income
480
486
514
250
250
0.0%
perating expenses
(358)
(370)
(433)
(195)
(181)
-7.2%
on-operating income
9
8
14
7
21
200.0%
ncome before tax
131
124
95
62
90
45.2%
ncome tax
(22)
(21)
(16)
(10)
(12)
20.0%
ncome after tax
109
103
79
52
78
50.0%
ummulative effect of change in accounting principles
0
0
0
0
0
--
et income
109
103
79
52
78
50.0%
y
SITC Key Ratios
UM
81,568
74,577
72,651
74,381
78,106
5.0%
UM Ranking
8
10
11
12
13
--
. Non-consolidated basis
Year-over-Year Comparison
Full Yeart Results
2012
2013
2014
479
485
513
1
1
1
480
486
514
(358)
(370)
(433)
9
8
14
131
124
95
(22)
(21)
(16)
109
103
79
0
0
0
109
103
79
Full Yeart Results		 Year-over-Year Comparison
1H14 1H15 Change
T
O
N
I
I
I
C
N		 otal operating income
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		 249
1
250
(195)
7
62
(10)
52
0
52		 249
1
250
(181)
21
90
(12)
78
0
78		 0.0%
0.0%
0.0%
-7.2%
200.0%
45.2%
20.0%
50.0%
--
50.0%
F y
SITC Key Ratios
A
A		 UM
UM Ranking		 81,568
74,577
72,651
8
10
11		 74,381 78,106 5.0%
--
12 13
1 . Non-consolidated basis

36

第一金人壽營運報告

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

第一金人壽營運報告 第一金人壽營運報告 第一金人壽營運報告
First-Aviva Financial Results Summary
in NT$ million or %
2012
2013
2014
1H14
1H15
Change
7,333
10,338
14,903
6,406
7,343
14.6%
6,381
9,301
13,436
5,700
7,465
31.0%
42
82
136
56
106
89.3%
910
955
1,331
650
(228)
-135.1%
(7,085)
(9,979)
(14,506)
(6,218)
(7,118)
14.5%
(10)
(13)
(20)
(9)
(12)
33.3%
(3,002)
(4,741)
(1,623)
(3,417)
(2,640)
-22.7%
(3,825)
(4,864)
(12,230)
(2,521)
(4,083)
62.0%
(248)
(361)
(633)
(271)
(383)
41.3%
0
0
0
0
0
--
(364)
(383)
(422)
(193)
(233)
20.7%
(60)
(59)
(88)
(29)
(51)
75.9%
(300)
(304)
(309)
(153)
(165)
7.8%
(4)
(20)
(25)
(11)
(17)
54.5%
(116)
(24)
(25)
(5)
(8)
60.0%
0
0
11
0
0
--
(116)
(24)
(14)
(4)
(8)
100.0%
0
0
(1)
0
0
--
(116)
(24)
(15)
(4)
(8)
100.0%
-9.29%
-2.21%
-1.60%
-0.92%
-2.00%
117.4%
-0.51%
-0.09%
-0.05%
-0.02%
-0.06%
200.0%
~~Year-over-Year Comparison~~
~~Full Year Result~~
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)
*
  • FFHC claims 51% of First-Aviva operating results.

37

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

企業社會責任獲獎實績

英國標準協會 (BSI)

2014年度企業社會責任報告書中、英文版通過GRI G4版指南核心選項驗證

==> picture [78 x 61] intentionally omitted <==

證券暨期貨市場發展基金會

獲證券暨期貨市場發展基金會「第十二屆上市上櫃公司資訊評鑑」最高等級 A++肯定

==> picture [45 x 61] intentionally omitted <==

台灣證券交易所股份有限公司

獲第一屆「公司治理評鑑」排名前百分之五

行政院環保署

獲「第三屆國家環境教育獎」 特優獎

==> picture [54 x 55] intentionally omitted <==

==> picture [71 x 52] intentionally omitted <==

天下雜誌

獲天下雜誌「2015天下企業公民獎」大型企業組第九名

==> picture [87 x 29] intentionally omitted <==

遠見雜誌

獲2015 第十一屆遠見雜誌CSR企業社會責任獎「環境友善組楷模獎」

==> picture [46 x 46] intentionally omitted <==

2014 年中文版企業社會責任報告書請參閱以下網址 http://ir.firstholding.com.tw/c/gov_csr.php

38

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

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

==> picture [209 x 209] intentionally omitted <==

Q&A

==> picture [720 x 26] intentionally omitted <==

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 →