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First Financial Holding Co. Ltd. Interim / Quarterly Report 2015

May 28, 2015

52222_rns_2015-05-28_e7229968-253f-4a60-855e-9df9869d8a0b.pdf

Interim / Quarterly Report

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第一金控 2015 年第一季營運報告

May 28, 2015

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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。

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內容

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- 2015 年第一季業務摘錄

  • 財務資料

  • - 營運成果

  • - 附件

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2015 年第一季業務摘錄

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– 2015 年第一季 雙豐收、雙亮點

  • : 雙豐收之淨利收與手續費收益貢獻第一季盈餘 放款量持平中由逐漸回溫的外幣利差挹注淨利息收益，大中華地區之資本市場 告捷拉抬財富管理手續費動能，極低的新增逾放使信用成本下降。

: 銀行子公司完成寮國永珍及中國廈門雙分行布點斬獲 三月份寮國永珍分行正式開業，成為台灣首批於寮國布局之銀行之一；四月 份廈門分行開業是中國的第三家分行，組合成三角服務平台。

: 恢復股利配發水準 現金股利 NT$ 0.70 元與 股票股利 NT$0.65 元 . ( 將俟 2015 年 6 月 26 日股東常會決議後辦理 )

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2015 年第一季績效總結

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一銀淨利收 , 手續費收益 (NT$ mn )
淨利息收益 手續費收益
6,601 6,712 6,926 6,899 6,762
1,406 1,525 1,705 1,554 1,590
1Q14 2Q14 3Q14 ？ 4Q14 1Q15
EPS
ROAA ROAE
(in NT$)
6.3%
3.1%
12.5%
0.61% 10.52% 0.54
1Q14: 0.50% 1Q14: 10.20% 1Q14: 0.48
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2015 年第一季財務資料

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2015 年第一季主要財務數字


1Q14
3,6551
4,701
2,306,450
0.40
16.80
86,535
10.20%
0.64%
123.76%
103.34%
1Q15
4,1091
3,617
2,356,943
0.44
17.02
92,593
10.52%
0.68%
132.91%
108.93%
YoY %
12.4%
-23.1%
2.2%
10.0%
1.3%
7.0%
3.1%
6.3%
7.4%
5.6%
稅後淨利
綜合損益2
總資產
每股盈餘
每股淨值
股本
平均淨值報酬率3
平均資產報酬率3
集團資本適足率4
雙重槓桿比率5
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
1Q15獲利組合1( in NT$ mn)
1Q14
3,6551
4,701
2,306,450
0.40
16.80
86,535
10.20%
0.64%
123.76%
103.34%
1Q15
4,1091
3,617
2,356,943
0.44
17.02
92,593
10.52%
0.68%
132.91%
108.93%
YoY %
12.4%
-23.1%
2.2%
10.0%
1.3%
7.0%
3.1%
6.3%
7.4%
5.6%
稅後淨利
綜合損益2
總資產
每股盈餘
每股淨值
股本
平均淨值報酬率3
平均資產報酬率3
集團資本適足率4
雙重槓桿比率5
經營績效 ( in NT$ dollar, NT$ mn, mn shares or %)
銀行
NT$4,100; 99.8%
證券
NT$36; 0.9%
投信
NT$35; 0.9%
其他
NT$(132);-3.2%
保險
NT$1; 0.0%
AMC
NT$69; 1.6%

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. 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]

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2015 年第一季營運成果

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2015 年第一季合併淨利與綜合損益 (in NT$ mn)
信用成本 58
保險準備 891
949
12.4%
9,272 (5,279) ↑
(833)
4,109 3,617
(492)
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 年第一季合併淨利及綜合損益 (in NT$ mn)
信用成本 (836)
保險準備 (310)
10,269
(1,146) (4,846)
(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
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2015 年第一季主要子公司 * 獲利表現 - 稅後淨利

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2015 年第一季稅後淨利 -- 主要子公司 (in NT$ mn)
↑ 12.4%
↑15.7%
4,100 4,109
FFHC 0.5
Aviva 0.5
36 35 1 69
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 年第一季稅後淨利 — 主要子公司 (in NT$ mn)
3,543 FFHC (5) 3,655
Aviva (5)
123 28 (10) 61
第一銀行 第一金證券 第一金投信 第一金人壽 第一金 AMC 金控合併
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  • 僅列示主要 5 家子公司獲利 .

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2015 年第一季營運成果

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金控與一銀獲利能力 - 稅後淨利

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金控淨利 & 年化股東權益報酬率 (in NT$ mn & %)
累積淨利 年化股東權益報酬率
11.42%
10.20% 10.73% 10.52%
9.20% 8.80% 9.48% 9.13% 9.53%
7.73% 7.94%
14,078
9,016 10,118 9,293 10,877 8,205 11,705
6,361
2,970 3,655 4,109
9M 12 2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14 2014 3M 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
9.73% 8.58% 9.44% 9.84% 9.49% 8.35% 10.60% 11.10% 10.60% 9.40% 10.56%
13,381
10,375 10,645 10,936
8,880 8,977
7,527
6,144
2,962 3,543 4,100
9M 12 2012 3M 13 6M 13 9M 13 2013 3M 14 6M 14 9M 14 2014 3M 15
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  1. 含少數股權

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一銀 2015 年第一季稅前獲利

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|||||||||
|---|---|---|---|---|---|---|---|
|1Q15|累積淨收益|(in NT$ mn or %)|一銀淨收益佔比分析|(in %)|
|項目|1Q14|1Q15|Change|
|淨利收|73.1%|73.5%|+0.4%|
|淨手續費收益|15.6%|17.3%|+1.7%|
|9,202|
|投資收益|/|短投|0.1%|0.2%|+0.1%|
|投資收益|/|長投|1.3%|0.9%|-0.4%|
|+1.9%|
|9,032|投資收益|/|其他金融商品|10.0%|7.2%|-2.8%|
|其他|-0.1%|0.9%|+1.0%|
|淨收益|[1 ]|100.0%|100.0%|
|1Q14|1Q15|呆帳費用|z|[2 ]|-17.4%|-7.7%|-9.7%|
|調整|:|呆帳回收|+7.9%|+8.5%|+0.6%|
|累積淨收益|
|營業費用|-45.2%|-47.8%|+2.6%|
|稅前獲利|45.3%|53.0%|+7.7%|
|2015|年第一季一銀|淨收益|&|費用比較|( NT$mn )|
|6,601|6,762|↑2.4%|
|↑7.7%|
|4,404|
|↑13.1%|↓ 55.1%|4,087|
|↓ 25.6%|
|↑ 9.5%|
|↓32.8% 1,406|1,590|1,028|765|1,571|705|
|713|781|
|1Q14 1Q15 1Q14 1Q15 1Q14 1Q15 1Q14 1Q15 1Q14 1Q15 1Q14 1Q15|
|淨利收|淨手收|投資收益|呆帳費用|[1 ]|呆帳回收|營業費用|

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  1. Gross Provision Expense.

13

一銀 2015 年第一季總放款結構

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391.8
17.0
72.4
388.5
20.8
37.8
319.1
678.5
306.4
686.9
1Q141Q15 1Q141Q15 1Q141Q15 1Q141Q15 1Q14 1Q15
↓0.8%
↑外幣放款4.1
↓47.8%
1Q15總放款1 (in NT$ bn or %)
1Q15總放款1 佔比 (in NT$ bn )
房貸
其他消費性貸款
企業放款
外幣放款
1,466.0
1,453.0
1Q14 1Q15
-0.9%
項目
1Q14
1Q15
Change
消金放款
27.9%
28.2%
+0.3%
房貸
26.7%
26.7%
0.0%
其他消費貸款
1.2%
1.5%
+0.3%
法金放款
72.1%
71.8%
-0.3%
企業放款
46.3%
47.3%
+1.0%
---_中小企業
36.8%
39.1%
+2.3%
外幣放款
20.9%
21.9%
+1.0%
---_海外分行
10.2%
10.6%
+0.4%
政府及公營事業放款
4.9%
2.6%
-2.3%
總放款1
100.0%
100.0%
各類放款佔比1
↑1.2%
中小企2
538.8
中小企2
568.5
海外
149.1
中小企↑5.5%
海外
154.7
海外↑ 3.
↑ 22.4%
總放款1
政府及公營事業放款		 %
8%

  1. 總放款不含催收款

  2. 中小企業放款依經濟部定義；含外幣放款

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一銀總放款結構 - 季度比較

一銀放款成長 (in NT$ bn) QoQ% YoY%
-0.8%
-0.8%
-0.9%
+22.4%
-1.9%
-15.2%
-2.9%
+5.5%
-4.7%
+4.1%
-1.9%
-47.9%
~~40.4~~
72.4
46.3
~~41.9~~
~~38.5~~
~~37.8~~
293.0
306.4
317.5
330.9
334.9
319.1
523.5
538.8
562.7
571.9
585.5
568.5
165.7
139.7
130.0
133.0
132
118.4
17.1
17.0
18.5
19.6
21.0
20.8
393.3
391.8
392.2
391.1
391.5
388.5
4Q13
1Q14
2Q14
3Q14
4Q14
1Q15
政府公營
中小企
房貸
企業放款1
1433.0
1466.0
1467.2
1488.4
1503.4
1453.0
外幣放款
其他消費者放
款
總放款
1
1.企業放款含中小企業放款		 QoQ% YoY%
-0.8%
-0.8%
-0.9%
+22.4%
-1.9%
-15.2%
-2.9%
+5.5%
-4.7%
+4.1%
-1.9%
-47.9%

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一銀存放比、利差與淨利息收益率

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總放款 [1] & 存放比 [2] (in NT$ bn or % )
總放款 [1 ]
存放比 [2 ]
89.49%
88.51% 88.29%
86.54%
84.51% 84.49%
83.50% 83.48% 83.03%
80.21%
1,445.2 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
4Q12 1Q13 2Q13 3Q13 4Q13 △ 1Q14 2Q14 3Q14 4Q14 1Q15
存放利差 / 淨利息收益率 (NIM) ( in % )
存放利差 [3 ] NIM [3 ]
1.60%
1.52% 1.53% 1.54% 1.55% 1.55% 1.55% 1.55% 1.55%
1.49%
1.28% 1.28% 1.28% 1.28% 1.29%
1.26% 1.26% 1.26% 1.26%
1.21%
4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15
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  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

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一銀台外幣利差

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一銀台幣利差及成本分析 ( in % )
利差 (NTD)
存款利率 (NTD) 放款利率 (NTD)
1.60%
1.59%
1.56%
1.53%
1.52% 1.52%
2.15% 2.13% 2.12% 2.16% 2.20% 2.18%
0.61% 0.61% 0.60% 0.60% 0.60% 0.59%
4Q13 1Q14 2Q14 3Q14 4Q14 1Q15
一銀外幣利差及成本分析 ( in % ) 存款利率 (FX) 放款利率 (FX)
1.75%
放款利差 (F/X)
1.65% 1.67%
1.65%
1.59%
1.45%
2.52% 2.65% 2.51% 2.52%
2.38%
2.29%
0.87% 0.98% 0.92% 0.84% 0.88%
0.64%
4Q13 1Q14 2Q14 3Q14 4Q14 1Q15
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* 以上利率均為 季度加權平均數字

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一銀特定產業貸放集中度

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2015 年第一季底 - 特定貸放產業佔比
6.14% 13.42%
11.00% 5.25%
5.52% 製造業 ; 27.90%
1Q15
7.48%
總放款餘額 6.00% 塑化
金屬
3.26% $1,456 bn 科技
3.56% 機械
其他製造
私人放款 ( 含房貸 )
6.51%
建築營造
不動產
批發零售
31.86%
運輸
其他
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  • 總放款不含催收款 .

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一銀房貸分析

2015年第一季底房貸--依地區別 (in %) ↑4.3%
↑17.2%
SME2
317.0
SME2
305.0

66.23%
65.99%
65.74%
65.61%
65.37%
65.25%
65.08%
48.14%
48.00%
47.59%
47.34%
46.94%
46.75%
46.33%
9M13
2013
3M14
6M14
9M14
2014
3M15
2.15%
2.15%
2.15%
2.15%
2.16%
2.16%
2.16%
5,359
5,507
5,975
4,945
7,086
5,645
3,937
5,513
YoY% -11.3%
房貸利率&房貸成數比 (in %)
單月份新承作房貸金額
新承作房貸成數比
平均房貸成數
平均房貸利率
地區
1Q15
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 % )

6,213
6,368
6,535
6,725
6,077
近一年各月份新承作房貸金額 (in NT$mn)		 ↑4.3%
↑17.2%
SME2
317.0
SME2
305.0

5,359
5,507
5,975
4,945
7,086
5,645
3,937
5,513
YoY% -11.3%
單月份新承作房貸金額
3M14
4M14
5M14
6M14
7M14		 8M14
9M14
10M14
11M14
12M14
1M15
2M15
3m15

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一銀 2015 年第一季淨手續費結構

一銀2 一銀2 一銀2 一銀2 一銀2 一銀2
1Q15累積淨手續費收益 (in NT$ mn or %) 項目
1Q14
1Q15
Change
財富管理1
47.3%
54.0%
+6.7%
外幣
15.9%
13.5%
-2.4%
其他
14.4%
12.2%
-2.2%
放款相關
15.9%
13.6%
-2.3%
信用卡
6.5%
6.7%
+0.2%
累積淨手續費收益
100.0%
100.0%
累積淨手續費收益佔比
1,406
1,590
1Q14
1Q15
+13.1%
淨手續費收益
項目
1Q14
1Q15
Change
財富管理1
47.3%		 54.0% +6.7%
外幣
15.9%		 13.5% -2.4%
其他
14.4%		 12.2% -2.2%
放款相關
15.9%		 13.6% -2.3%
信用卡
6.5%		 6.7% +0.2%
累積淨手續費收益
100.0%
100.0%
1Q15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

20

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一銀淨手續費收益 - 季度比較

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

淨手續費收益 (in NT$ mn)
1,705 QoQ% +2.3%
1,525 1,554 1,590
1,465
1,406
淨手續費
收益
248
195
206
197 100
203
其他 203 95 106
100
237
95
214
信用卡手收 91 243 237
251
外匯手收 223 250 216
221
232
237 100 91
放款手收 224 91
93 QoQ +9.1%
保管手收 86 84
770 768
704 基金銷售 &
660
594 581
基金 & 銀行 銀行保險手收
財管
保險手收 手收
4Q13 1Q14 2Q14 3Q14 4Q14 1Q15
----- 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

21

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一銀 2015 年第一季海外業務盈餘

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

1Q15 一銀海外分行稅前獲利分析 ( in NT$ mn or % ) 2015 年第一季 一銀全行稅前獲利分析 ( in NT$ mn or
%)
7.9% 稅前獲利
10.3%
48.3% OBU $4,873 mn
上海
國內市場 ;
成都 62.5%
1Q15
澳門
全體海外分行
14.8% $1,829 mn 香港
北美
東協 其他海外地區 ; 大中華 ; 25.1%
12.4%
11.2% 其他
5.5%
1.5%
季度海外地區稅前獲利佔比分析 (in NT$ mn or %)
海外 全行 累積海外稅前獲利 / 一銀全行稅前獲利
30.6% 44.0% 34.6% 44.8% 37.5%
28.8%
19.9%
4,642 4,873
4,087 3,967
3,166
3,496
1,675
150 1,447 1,932 1,910 1,725 1,545 1,829
3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15
----- End of picture text -----

  • 2012 年起數字依 IFRS 準則列示

22

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一銀 2015 年第一季營業費用比率

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

||||||||
|---|---|---|---|---|---|---|
|1Q15|一銀營業費用|(in NT$ mn )|營業費用比率分析|( in NT$ mn)|
|項目|1Q14|1Q15|
|所得稅率調高|3%|
|4,404|
|淨收益|9,032|9,202|
|營業費用|(4,087)|(4,404)|
|4,087|+7.7%|
|呆帳費用|(|淨|)|(858)|76|
|所得稅|(544)|(773)|
|1Q14 1Q15|
|淨利|3,543|4,100|
|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|
|49.38%|49.63%|
|47.27%|47.86%|
|45.25%|45.49%|45.39%|
|9,956|
|8,715|8,288|9,032|9,256|9,276|9,202|
|4,002|4,176|4,087|4,232|4,501|4,916|4,404|
|3Q13|4Q13|1Q14|2Q14|3Q14|4Q14|1Q15|

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

  • 2012 年起數字依 IFRS 準則列示

23

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一銀 2015 年第一季資產品質

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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 (loss reserve against performing loan)
680.71% 710.06%
覆蓋率 放款覆蓋率 (LLR), 排除政府放款
521.72% 504.28%
453.05%
261.73%
191.46%
1.29% 1.26% 1.34% 1.31% 1.37% 1.37% 1.39%
1.20% 1.20% 1.26% 1.24% 1.26%
1.04% 1.01%
逾放比 逾放 呆帳提存準備
0.64%
0.47%
0.28% 0.26%
0.24%
0.20% 0.19%
16,604 17,778
17,730 18,813 18,637 19,933 20,089 19,699
9,286
7,252 6,774
4,152 3,572 3,953 2,951 2,774
6M13 9M13 2013 3M14 6M14 9M14 2014 3M15
----- End of picture text -----

24

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一銀逾期放款分類表

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----- 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
0.22%
0.50% 0.45%
0.20% 0.22% 0.19% 0.39% 0.35%
0.18% 0.18% 0.31%
0.19% 0.19%
0.17% 0.17% 0.20% 0.09% 0.26% 0.03% 0.02%
1Q14 2Q14 3Q14 4Q14 1Q15 1Q14 2Q14 3Q14 4Q14 1Q15
國內 放款 逾放比率 (in %) 海外放款 逾放比率 (in %)
國內 海外
0.30%
0.28%
0.25%
0.21% 0.27%
0.20% 0.23%
0.13% 0.14%
0.08%
1Q14 2Q14 3Q14 4Q14 1Q15
1Q14 2Q14 3Q14 4Q14 1Q15
----- 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

25

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一銀 2015 年第一季 新增逾放與呆帳收回

0.00%
0.00%
0.15%
1,388
2,695
525
1,397
183
(2,097)
676
2,710
2Q13
3Q13
4Q13
1Q14
季度新增逾放
2Q14
3Q14
4Q14
1Q15
---國內
619
1,140
39
426
---海外
(30)
11
200
404
小計
589
1,151
239
830
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%
1,169
770
1,241
1,007
1,151
239
830
589
2Q14
3Q14
4Q14
1Q15
季度呆帳收回
2Q14
3Q14
4Q14
1Q15
---國內
553
486
216
651
---海外
101
26
102
115
---信用卡
15
14
14
15
小計
669
526
332
781
季度呆帳收回 (in NT$ mn)
轉銷數
新增逾放
季度新增逾放
2Q14
3Q14
4Q14
1Q15
---國內
619
1,140
39
426
---海外
(30)
11
200
404
小計
589
1,151
239
830
季度新增逾放 (in NT$ mn）		 季度呆帳收回
2Q14
3Q14
4Q14
1Q15
---國內
553
486
216
651
---海外
101
26
102
115
---信用卡
15
14
14
15
小計
669
526
332
781
季度呆帳收回 (in NT$ mn)
季度新增逾放
2Q14
3Q14
4Q14
1Q15
---國內
619
1,140
39
426
---海外
(30)
11
200
404
季度呆帳收回
2Q14
3Q14
4Q14
1Q15
---國內
553
486
216
651
---海外
101
26
102
115
---信用卡
15
14
14
15
小計
589
1,151
239
830
小計
669
526
332
781
季度新增逾放 與 轉銷數 ( in NT$ mn)
0.00%
0.00%
0.15%
1,388
2,695
525
1,397
183
676
2,710
(2,097)
2Q13
3Q13
4Q13
1Q14

26

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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
132.91%
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
12.36%
11.51% 11.50%
10.94% 11.03% 10.90% 10.88%
10.14% 10.44%
Tier 1
9.46%
9.02%
8.28% 8.23% 8.41% 8.34% 8.31% 8.64%
6.82%
1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14 1Q15
1H11 2H11 1H12 2H12 1H13 2H13 1H14 2H14 1Q15
----- 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

27

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股利政策

2012
2013
2014
0.45
0.50
0.70
0.65
0.70
0.65
1.10
1.20
1.35
38.1%
42.4%
46.1%
1.20
1.10
1.20
1.18
1.18
1.52
2012
2013
2014
1
2
0.90
1.00
1.02
1.08
2010
2011
第一金控每股盈餘與股利派發 ( in NT$ dollar )
每股盈餘
股利		 1.20
1.10
1.20
1.18
1.18
1.52
2012
2013
2014
1
0.90
1.02
2010
每股盈餘
股利
2010 2011
年度股利政策 ( in NT$ dollar )
2010 2011 2012
2013
2014
2
現金股利
0.30		 0.40 0.45
0.50
0.70
股票股利
0.60		 0.60 0.65
0.70
0.65
總計股利
0.90		 1.00 1.10
1.20
1.35
現金股利派發率
29.4%		 39.6% 38.1%
42.4%
46.1%
  1. 每股盈餘依年按增資股數後調整 2. 2014 年股利發放仍待 2015 年 6 月 26 日股東常會決議 .

28

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附件

第一金控綜合損益表

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

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

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

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

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

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

 FFHC Consolidated Statement of Comprehensive Income (in NT$ million or %)
~~TW-GAPP~~ ~~IFRS~~
2013
2014
Net interest income
25,932
28,278
Net service fee & commission
6,632
7,428
Net Insurance revenue
688
(6,533)
Gain on financial assets meas.
859
1,373
at fair value through P/L
Real estate investment gain
88
172
Gain on AFS financial assets
315
417
Income from equity invest.
97
(26)
Net gain on F/X
1,368
2,172
Assets impairment loss
3
(6)
Others
484
911
Net Revenue
36,466
34,186
Net Provision for credit losses
(4,047)
(4,015)
Recovered(provided) for insurance re
(397)
7,101
Operating Expense
(18,973)
(20,789)
Income from continued op. before
13,049
16,483
Income tax expenses
(2,172)
(2,405)
Consolidated net income
10,877
14,078
Other Items
1,262
3,420
Comprehensive Income
12,139
17,497
Net Income attributed to:
Parent
10,889
14,085
Minorityinterests
(12)
(7)
Comprehensive Income attributed to:
Parent
12,242
17,542
Minorityinterests
(104)
(45)
EPS1(NT$)
1.18
1.52		 ~~YOY Comparison~~
1Q14
1Q15
Change
6,875
6,993
1.7%
1,740
1,937
11.3%
402
(709)
--
464
553
19.2%
27
35
29.6%
34
137
302.9%
38
(5)
--
603
161
-73.3%
(5)
0
--
91
170
86.8%
10,269
9,272
-9.7%
(836)
58
--
(310)
891
--
(4,846)
(5,279)
8.9%
4,277
4,942
15.5%
(622)
(833)
33.9%
3,655
4,109
12.4%
1,046
(492)
--
4,701
3,617
--
3,660
4,109
12.3%
(5)
0
--
4,703
3,625
-22.9%
(2)
(8)
300.0%
0.40
0.44
10.0%
2012 1Q14 1Q15 Change
Interest income
36,544
Less: Interest expenses
(12,422)
Net interest income
24,122
Net service fee & commission
5,954
Net Insurance revenue
695
Gain on financial assets measured
1,363
at fair value through P/L
Gain on AFS financial assets
360
Gain on HTM financial assets
0
Income from equity invest.
256
Real estate investment gain
0
Net gain on F/X
651
Others
3,258
Net non-interest income
12,537
Net revenues
36,659
Provision for credit losses
(5,890)
Reserve for insurance
(656)
Operating expenses
(18,084)
Other expenses
0
Income from continued op. before tax
12,029
Income tax expenses
(1,911)
Income from continued op. after tax
10,118
Income from discountinued op., net of
0
Cummulative effect of change
0
in accounting principle
Consolidated net income
10,118
EPS1(NT$)
1.25
Net income attributable to parent
10,174
Minority interests
(56)		 6,875
1,740
402
464
27
34
38
603
(5)
91
10,269
(836)
(310)
(4,846)
4,277
(622)
3,655		 6,993
1,937
(709)
553
35
137
(5)
161
0
170
9,272
58
891
(5,279)
4,942
(833)
4,109		 1.7%
11.3%
--
19.2%
29.6%
302.9%
--
-73.3%
--
86.8%
-9.7%
--
--
8.9%
15.5%
33.9%
12.4%
Other Items
Comprehensive Income		 1,046
4,701		 (492)
3,617		 --
--
Net Income attributed to:
Parent
Minorityinterests		 3,660
(5)		 4,109
0		 12.3%
--
Comprehensive Income attributed to:
Parent
Minorityinterests		 4,703
(2)		 3,625
(8)		 -22.9%
300.0%
EPS1(NT$)
0.40 0.44 10.0%

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.

30

第一金控非合併損益表

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

in NT$ million, NT$, or %
2012
2013
2014
Full Year Results		 Year-over-Year Comparison
1Q14 **1Q15 ** Change
Operating revenues
Income from long-term investment
10,641
11,112
13,904
Other income1
252
226
289
Total revenues
10,893
11,339
14,194
Loss from long-term investment
(291)
(12)
(8)
Operating expenses
(231)
(233)
(264)
Other expenses and losses
(145)
(145)
(159)
Income from continued op. before tax
10,226
10,949
13,763
Income from continued po. after tax
10,226
10,889
14,085
Income from discontinued op., net of t
0
0
0
Net income
10,226
10,889
14,085
EPS2(NT$)
1.18
1.18
1.52		 3,784
11
3,795
(5)
(62)
(69)
3,659
3,659
0
3,659
0.40		 4,247
8
4,255
0
(70)
(76)
4,109
4,109
0
4,109
0.44		 12.2%
-27.3%
12.1%
100.0%
-12.9%
-10.1%
12.3%
12.3%
--
12.3%
10.0%

  1. Including income other than long-term investment

  2. EPS is adjusted retroactively for stock dividends

31

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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 Year Results Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
2012 2013 2014 1Q14 **1Q15 ** Change
Non-consolidated Balance Sheet Data
Long-term investment 137,633 145,469 167,888 150,291 171,651 14.2%
Total non-consolidated assets 141,300 151,546 172,071 156,738 174,808 11.5%
Total liabilities 9,156 10,817 18,126 11,306 17,238 52.5%
Total shareholders' equity 132,144 140,729 153,945 145,432 157,570 8.3%
Conolidated Balance Sheet Data
Total consolidated assets 2,124,279 2,263,385 2,355,709 2,306,450 2,356,943 2.2%
Total liabilities 1,991,555 2,122,179 2,201,332 2,160,543 2,198,949 1.8%
Total shareholders' equity 132,724 141,206 154,377 145,907 157,994 8.3%
Parent's shareholders' equity 132,143 140,729 153,945 145,432 157,570 8.3%
Minority interests 581 477 432 475 424 -10.7%
Current shares outstanding 81,254 86,535 92,593 86,535 92,593 7.0%

*figures may not match due to rounding

32

第一金控主要財務比率

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FFHC Key Ratios

FFHC Key Ratios
2012
2013
2014
0.48%
0.50%
0.61%
7.86%
7.94%
9.53%
16.26
16.26
16.63
81,254
86,535
92,593
104.15%
103.37%
109.06%
125.55%
123.04%
125.34%
6.48%
7.14%
10.53%
Full Year Results		 Year-over-Year Comparison
1Q14 **1Q15 ** Change
After-tax ROAA (Annualized ratio)
After-tax ROAE (Annualized ratio)
Book Per Share
Capital Stock
Double leverage1
Group CAR2
Debt Ratio3		 0.64%
10.20%
16.80
86,535
103.34%
123.76%
7.21%		 0.68%
10.52%
17.02
92,593
108.93%
132.91%
9.86%		 6.3%
3.1%
1.3%
7.0%
5.6%
9.1%
36.8%

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

  2. Updated semi-annually.

  3. Non-consolidated basis.

33

第一銀行損益表

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

TW-GAPP
2012
Net revenue
Net interest income
23,003
Net fee income
4,931
Net gain on ST invest.
162
Net gain on LT invest.
633
Net gain on other fin. products
2,141
Bad debts recovery
2,415
Other net income
446
Net revenue
33,731
Operating expenses
(15,730)
Provision
(5,809)
Income before tax
12,192
Income tax
(1,817)
Income after tax
10,375
Cummulative effect of change
0
in accounting principle
Net income
10,375		 2013
2014
1Q14
1Q15
Change
Net interest income
24,865
27,138
6,601
6,762
2.4%
Net fee income
5,397
6,190
1,406
1,590
13.1%
Net gain on ST invest.
76
(151)
7
19
171.4%
Net gain on LT invest.
711
666
115
84
-27.0%
Net gain on other fin. products
1,887
3,496
906
662
-26.9%
Other net income
(160)
181
(3)
84
--
Net revenue
32,776
37,520
9,032
9,201
1.9%
Operating expenses
(16,269)
(17,736)
(4,087)
(4,404)
7.8%
Pre-provisiion pre-tax profit
16,507
19,784
4,945
4,797
-3.0%
Provision expense
(7,090)
(6,161)
(1,571)
(705)
-55.1%
Adjustment: bad-debt recov
3,168
2,240
713
781
9.5%
Income before tax
12,584
15,862
4,087
4,873
19.2%
Income tax
(1,940)
(2,481)
(544)
(773)
42.1%
Netincome
10,645
13,381
3,543
4,100
15.7%
Other items
1,165
3,242
816
(420)
---
Comprehensiveincome
11,810
16,623
4,359
3,680
40.8%
EPS
1.44
1.81
0.48
0.54
25.7%
YoY Comparison
IFRS

*starting from 2013, data are stated in accordance with IFRS.

34

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第一銀行主要財務比率

第一銀行主要財務比率 第一銀行主要財務比率
~~FB Key Ratios~~
2012
2013
2014
1Q14
Loan to deposit spread
1.49%
1.55%
1.55%
1.55%
Net Interest Margin
1.21%
1.26%
1.28%
1.28%
Cost to income ratio4
51.39%
49.63%
47.27%
45.25%
Loan to deposit ratio1
89.49%
83.50%
83.03%
84.51%
NPL ratio
0.44%
0.47%
0.20%
0.28%
Gross Provision ratio
--
1.09%
1.24%
1.20%
LLR Ration ( excluding gov. loan)
1.17%
1.26%
1.37%
1.34%
Coverage ratio
248.97%
261.73%
680.71%
453.05%
CAR
11.51%
10.90%
11.50%
10.89%
Tier-1
8.41%
8.31%
9.02%
8.52%
ROAA2
0.51%
0.50%
0.60%
0.64%
ROAE2
8.69%
8.35%
9.40%
10.60%
1. Loan to depoist ratio = total loan / total deposit
2. Annualized figures.
3. Starting from 2013, data are illustrated with T-IFRS.

35

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第一銀行放款品質

FB NPL Migration in NT$ million or %

FB NPL Migration
in NT$ million or %
2012
2013
2014
1Q14
1Q15
Change
NPL- beginning
6,373
6,423
6,774
6,774
2,951
-56.4%
Net new NPL influx
3,493
5,341
(118)
(2,097)
830
-139.6%
Net write-offs
(3,443)
(4,990)
(3,705)
(525)
(1,007)
91.8%
NPL- ending balance
6,423
6,774
2,951
4,152
2,774
-33.2%
Allowance for loan loss- beginning
13,886
15,992
17,730
17,730
20,089
13.3%
Provisions for loan loss
5,705
6,693
5,863
1,549
683
-55.9%
Net write-offs
(3,443)
(4,990)
(3,705)
(525)
(1,007)
91.8%
Others
(156)
35
201
59
(66)
211.9%
Allowance for loan loss- ending
15,992
17,730
20,089
18,813
19,699
4.7%
NPL ratio
0.44%
0.47%
0.20%
0.28%
0.19%
-0.1%
Coverage ratio
248.97%
261.73%
680.75%
453.05%
710.06%
257.0%
General Provision Ratio
1.17%
1.26%
1.37%
1.34%
1.39%
0.0%
Tier 1 Asset Provision Ratio
--
1.09%
1.24%
1.20%
1.26%
0.1%
1. Non-consolidated basis
Year-over-Year Comparison
Full Year Result
  1. Non-consolidated basis

36

第一金證券營運報告

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First Securities Financial Results Summ

in NT$ million or %
Fi t Sriti Finnil Rlt Smm

37

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第一金投信營運報告

FSITC Income Statement Summary in NT$ million or %

2012
2013
2014
Full Yeart Res		 2012
2013
2014
Full Yeart Res		 Year-over-Year Comparison Year-over-Year Comparison Year-over-Year Comparison
1Q14 1Q15 Change
Total operating income
Management fee
479
485
513
Sales service fee
1
1
1
Total operating income
480
486
514
Operating expenses
(358)
(370)
(433)
Non-operating income
9
8
14
Income before tax
131
124
95
Income tax
(22)
(21)
(16)
Income after tax
109
103
79
Cummulative effect of change in accounting principle
0
0
0
Netincome
109
103
79		 118
1
119
(91)
5
33
(5)
28
0
28		 125
1
126
(88)
4
42
(7)
35
0
35		 -75.6%
--
-75.5%
-79.7%
-71.4%
-55.8%
-56.3%
-55.7%
--
-55.7%
y
FSITC Key Ratios
AUM
81,568
74,577
72,651
AUM Ranking
8
10
11
1. Non-consolidated basis		 72,134
12
.		 81,196
11

38

第一金人壽營運報告

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~~First-Aviva Financial Results Summary~~ in NT$ million or %

~~First-Aviva Financial Results Summar~~ ~~First-Aviva Financial Results Summar~~
~~y~~
in NT$ million or %
2012
2013
2014
1Q14
1Q15
Change
Income Statement Summary
Operating Revenue
7,333
10,338
14,903
2,974
4,045
44.2%
Premium Income
6,381
9,301
13,436
2,462
3,934
44.5%
Other insurance income
42
82
136
25
46
65.9%
Net Investment Income
910
955
1,331
487
65
39.4%
Operating Cost
(7,085)
(9,979)
(14,506)
(2,888)
(3,926)
45.4%
Reinsurance commission
(10)
(13)
(20)
(4)
(6)
53.8%
Reserves
(3,002)
(4,741)
(1,623)
(1,558)
(1,542)
-65.8%
Claims
(3,825)
(4,864)
(12,230)
(1,222)
(2,197)
151.4%
Commission
(248)
(361)
(633)
(104)
(181)
75.3%
Others
0
0
0
0
0
--
Operating Expenses
(364)
(383)
(422)
(96)
(118)
10.2%
Sales related expenses
(60)
(59)
(88)
(14)
(27)
49.2%
Management expenses
(300)
(304)
(309)
(76)
(84)
1.6%
Other expense
(4)
(20)
(25)
(6)
(7)
25.0%
Profit/Loss of Operation
(116)
(24)
(25)
(10)
1
-4.2%
Non-Operating Profit
0
0
11
0
0
--
Profit/Loss Before Tax
(116)
(24)
(14)
(10)
1
41.7%
Income tax
0
0
(1)
0
0
--
Net Income after tax
(116)
(24)
(15)
(10)
1
37.5%
Key Ratios
ROAE(Annualized ratio)
-9.29%
-2.21%
-1.60%
-4.04%
0.20%
--
ROAA(Annualized ratio)
-0.51%
-0.09%
-0.05%
-0.12%
0.00%
--
FFHC claims 51% of First-Aviva operating results.
Year-over-Year Comparison
Full Year Res*
  • FFHC claims 51% of First-Aviva operating results.

39

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企業社會責任獲獎實績

英國標準協會 (BSI)

  • 「 2014 年企業社會責任報告書」獲英國標準協會 (The British Standards Institution) G4 版指南核心選項驗證

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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

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遠見雜誌

  • 獲 2015 年遠見雜誌「第十一屆遠見企業社會責任獎」、「環境友善 組楷模獎」

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TCSA 臺灣企業永續獎

獲第七屆 TCSA 臺灣企業永續獎「臺灣 TOP50 企業永續報告獎大型 企業金融業金獎」

台灣證券交易所

第一屆上市櫃公司治理評鑑結果排名前百分之五

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